Associate Credit Risk II

Job Description

Associate, Credit Risk II (AS2) – Pune

At BNY, our culture allows us to run our company better and enables employees’ growth and success. As a leading global financial services company at the heart of the global financial system, we influence nearly 20% of the world’s investible assets. Every day, our teams harness cutting-edge AI and breakthrough technologies to collaborate with clients, driving transformative solutions that redefine industries and uplift communities worldwide.

Recognized as a top destination for innovators, BNY is where bold ideas meet advanced technology and exceptional talent. Together, we power the future of finance – and this is what is all about. Join us and be part of something extraordinary.

We’re seeking a future team member for the role of Associate II to join our Credit Risk team. This role will be based in Pune.

In this role, you’ll make an impact in the following ways:

• Engage in deep dive credit analysis to understand business performance and provide concise credit underwriting papers and recommendation to approvers.
• Partnering with colleagues in credit risk team to prepare credit analysis paper comprising of:
• Comprehensive fundamental analysis (P&L, B/S, C/F and Liquidity),
• Analyzing transaction structure for all product categories,
• Review of the counterparty’s strategy and its business risk,
• Researching industry dynamics, global economic conditions, and competitive environment,
• Identification and evaluations of repayment sources, including collateral valuation,
• Proposing borrower risk rating using bank’s internal model based on financial and economic data.
• Ensure adherence to deadlines for deals and timely completion of error-free annual reviews.
• Proactively monitoring the assigned portfolio by tracking the industry / economic / regulatory development, counterparty related news, and other early warning indicators.
• Liaising with various internal and external stakeholders.
• Understand and comply with all relevant policies, guidelines, procedures and applicable regulatory requirement as issued by the Group.
• Maintain BNY internal control standards. Need to implement the Group Compliance Policy, as applicable to the role.
• Complete all the mandatory trainings on time and ensure no compliance breach of data security, confidentiality, and requirements related or personal trading policies.
• Adhering strictly to compliance and operational risk controls in accordance with BNY policies.
• Depending on the experience, skill, and competence, he or she can be given additional responsibilities.
  
  

To be successful in this role, we’re seeking the following:

• Degree of MBA Finance / CA / Postgraduate in Finance + CFA (International) / FRM, with 1-3yrs of hands-on-experience in credit research / analysis / underwriting of banks/broker dealers with large MNC banks / captive unit of a large multinational bank / credit rating agencies.
• Strong verbal and written communication skills with the ability to clearly articulate well-reasoned underwriting proposals for credit approval.
• Ability to come up the learning curve faster and adapt & implement new concepts and ways of working.
• A self-starter with the ability to meet deadlines in a fast-paced and dynamic environment.
• Ability to interpret credit documents to assess credit terms & conditions, including financial covenants, security, and collateral.
• Knowledge of capital markets / traded products and commercial financing facilities.
• Ability to complete work with minimal or no supervision and meet stringent timelines.
• Understanding of internal rating methodologies and legal agreements (term sheet, ISDA & CSA).
• Stay abreast of current developments and trends in assigned sector and demonstrate it through knowledge sharing presentations at least once in a year.
• Knowledge of market data tools and external resources like S&P Capital IQ, SNL, Bloomberg, Moody’s, and Credit Sights etc.
• Handle stakeholder questions/complaints efficiently and turns mistakes into learning opportunities.
• Maintains a professional image by always being available to take care of deliverables.
• Manage fair workload and volunteer for additional work during peak periods.
• Pro-active, “Can Do” attitude, understanding that taking the initiative is utmost important.
• Self-starter & team player with positive, proactive, and open attitude.
• Ability to priorities workload and respond quickly to urgent requests.
• Innovative team player with demonstrated ability of working as part of a robust team.
  
  

At BNY, our culture speaks for itself, check out the latest BNY news at:

BNY Newsroom

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Here’s a Few Of Our Recent Awards

• America’s Most Innovative Companies, Fortune, 2025
• World’s Most Admired Companies, Fortune 2025
• “Most Just Companies”, Just Capital and CNBC, 2025
  
  

Our Benefits And Rewards

BNY offers highly competitive compensation, benefits, and wellbeing programs rooted in a strong culture of excellence and our pay-for-performance philosophy. We provide access to flexible global resources and tools for your life’s journey. Focus on your health, foster your personal resilience, and reach your financial goals as a valued member of our team, along with generous paid leaves, including paid volunteer time, that can support you and your family through moments that matter.

BNY is an Equal Employment Opportunity/Affirmative Action Employer - Underrepresented racial and ethnic groups/Females/Individuals with Disabilities/Protected Veterans.

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