Job Title: VP - Senior Business Credit Advisor

Department: Client Lines, CIB – Securities Services

About Business Line/Function

Securities Services is a leading global custodian and securities services specialist that provides multi-asset post-trade and asset servicing solutions for buy and sell-side market participants, corporates and issuers.

CIB2S Business Credit Advisors (BCA) Team is positioned within SBD&T, reporting to the Head of 2S APAC Strategy and centrally to the Global Head of CIB2S Business Credit Risk Office in Paris. The team's mandate is cross Clients Lines. The team works with various stakeholders and with all CIB2S locations and interacts with different Business Lines and Functions.

Position Purpose

CIB2S BCA team is a team of experts in credit risk in relation to post trade services for CIB2S. As experts, the team provides risk assessment for these activities to CIB2S Business, FIC ICAT and RISK credit delegation holders in the context of credit requests and credit annual reviews. The team members also contribute to raise risk awareness across CIB2S and in particular CIB2S APAC Territory.

BCA provides globally comprehensive coverage of all CIB2S counterparties/clients. BCA APAC covers APAC Geography and other locations as determined by the Global Head of BCA. The senior role may handle more sophisticated and complex deals (e.g. clients with weak ratings, complex activity or large risks).

Responsibilities

Direct Responsibilities

Credit Risk Approval Process

Review credit requests prepared by the Coverage/Front and challenge them when proposed activity set-up and/or risk mitigants do not seem appropriate or not in line with BNPP Credit Policies.
Calibrate amount of credit limit to be requested.
Provide credit analysts and credit officers with a risk opinion on the request
Participating in credit committees representing Business in partnership with Client Development.
Follow-up post committee with the relevant stakeholders on any pending conditions
Participate to client due diligences when deemed appropriate.
Analyze the impacts from a credit risk standpoint of amendments to legal agreements and provide recommendations to decision makers.
Lead or contribute to projects related to CIB2S credit risk topics and portfolio analysis.
CIB2S activities, its environment and credit risk methodologies are constantly evolving. Maintain a proactive awareness of these evolutions and share with the team, Management and/or other Business partners when needed.

Reinforcing 2S risk awareness across the organization

Enhance the understanding of CIB2S activities and associated risks across ICAT and RISK MFI organizations.
Develop and reinforce credit risk awareness within the Client Development community by performing training sessions.

Strategic risk analysis & anticipation

Keep abreast of macro-economic developments and on those impacting individual credit perimeter.
Represent BCA in the APAC regional governance bodies to present results of risk monitoring and escalate any relevant risk topics (credit, counterparty, framework).
Country risk monitoring: use existing frameworks (country envelope) and help develop new methods to monitor holistically risk exposures to sensitive countries.

Advisory on product risk framework evolutions

Advise Products teams of potential credit risk impacts during TAC/NACs preparation phase.
Provide 2S Business input to transversal projects concerning evolutions of risk. methodologies; ensure implementation of risk methodology reviews in the APAC perimeter (Note: BCA team's involvement is not systematic, only when requested by Products team).

Key Internal Stakeholders

Sales / Relationship Managers
FIC credit analysts (ICAT team)
Group RISK (primarily Credit Officers/Senior Credit Officers)
RISK MFI monitoring teams
CIB2S Product Teams
Legal

Technical & Behavioral Competencies

Essential

Credit / counterparty risk management within a financial institution or a risk consultancy
Securities Services business Product team
Good knowledge of credit risk management techniques and risk measures
Detailed knowledge of specific Finance principles and processes with a full understanding of the area of specialism, and able to translate knowledge and experience into recommendations to improve team operating practices. Good working knowledge of a wide range of BNPP policies, procedures, regulations and legislation. Excellent written and oral English skills to articulate technical issues and to be able to take the complex and make them simple to enable effective communication with individuals across the business.
Very strong analytical skills, with the ability to challenge internal stakeholders
Autonomy, rigor, and ability to manipulate large datasets
Excellent communication and IT skills

Preferred

Regulatory knowledge

Education Level: Master's degree or equivalent

Location: Chennai

About BNP Paribas Group

BNP Paribas is the European Union's leading bank and key player in international banking. It operates in 65 countries and has nearly 185,000 employees, including more than 145,000 in Europe. The Group has key positions in its three main fields of activity: Commercial, Personal Banking & Services for the Group's commercial & personal banking and several specialized businesses including BNP Paribas Personal Finance and Arval; Investment & Protection Services for savings, investment, and protection solutions; and Corporate & Institutional Banking, focused on corporate and institutional clients. Based on its strong diversified and integrated model, the Group helps all its clients (individuals, community associations, entrepreneurs, SMEs, corporates and institutional clients) to realize their projects through solutions spanning financing, investment, savings and protection insurance. In Europe, BNP Paribas has four domestic markets: Belgium, France, Italy, and Luxembourg. The Group is rolling out its integrated commercial & personal banking model across several Mediterranean countries, Turkey, and Eastern Europe. As a key player in international banking, the Group has leading platforms and business lines in Europe, a strong presence in the Americas as well as a solid and fast-growing business in Asia-Pacific. BNP Paribas has implemented a Corporate Social Responsibility approach in all its activities, enabling it to contribute to the construction of a sustainable future, while ensuring the Group's performance and stability.

About BNP Paribas India Solutions

Established in 2005, BNP Paribas India Solutions is a wholly owned subsidiary of BNP Paribas SA, European Union's leading bank with an international reach. With delivery centers located in Bengaluru, Chennai and Mumbai, we are a 24x7 global delivery center. India Solutions services three business lines: Corporate and Institutional Banking, Investment Solutions and Retail Banking for BNP Paribas across the Group. Driving innovation and growth, we are harnessing the potential of over 10000 employees, to provide support and develop best-in-class solutions.

Commitment to Diversity and Inclusion

At BNP Paribas, we passionately embrace diversity and are committed to fostering an inclusive workplace where all employees are valued, respected and can bring their authentic selves to work. We prohibit Discrimination and Harassment of any kind and our policies promote equal employment opportunity for all employees and applicants, irrespective of, but not limited to their gender, gender identity, sex, sexual orientation, ethnicity, race, colour, national origin, age, religion, social status, mental or physical disabilities, veteran status etc. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in. As a global Bank, we truly believe that inclusion and diversity of our teams is key to our success in serving our clients and the communities we operate in.