Goldman Sachs India | Risk - Credit Risk - Associate - Bengaluru

Responsibilities

• The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm.
• Credit Risk (CR) is responsible for managing the firm’s credit exposure to its trading and lending counterparties.
• This team is also responsible for the ongoing surveillance of all corporate/financial institution/sovereign counterparties, assignment of internal credit ratings, and participation in regulatory exams.
• Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors.
• Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments.
• Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases.
• Build and maintain financial projection models.
• Present findings and recommendations to senior leadership and answer questions relating to analysis performed.
• Monitor counterparties for changes in creditworthiness and take appropriate action.
• Coordinate with global colleagues in GS Risk teams as well as with other divisions.
• Support key Risk governance and approval committees.
• Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm’s risk appetite.
• Spreading historical and projected financials in Credit systems and performing analysis including peer comparison to identify and document trends and anomalies necessary in assessing creditworthiness

Qualifications

• Minimum Bachelor’s degree in business or finance, Masters preferred.
• 3-6 years of experience in a related corporate credit risk role with experience in credit analysis, ratings analysis, corporate finance and/or research desired.
• Functional background or relevant experience in finance and accounting.
• Highly motivated with strong academic background.
• Team player with an ability to work effectively with colleagues in other regional offices.
• Flexibility, ability to learn quickly.
• Strong organizational skills and the ability to manage multiple assignments concurrently.
• Familiarity with regulatory rating requirements and application of such guidance is preferred.
• Strong analytical, presentational and communication skills require.

Goldman Sachs

Goldman Sachs is a global investment banking, securities and asset and wealth management firm, founded in New York in 1869.

Its Indian offices work on engineering, operations, finance, risk and other global functions. Finance professionals typically join controllers, tax, treasury, loan operations and risk teams.

• Industry: Investment banking, securities and asset & wealth management
• Headquarters: New York, USA
• In India: Offices in Bengaluru, Hyderabad and Mumbai