Wholesale Credit Risk EMEA Associate - Technology, Media & Telecoms - Mumbai

Join a team at the forefront of innovation, working with some of the most exciting clients in Technology, Media & Telecoms. As part of Wholesale Credit Risk EMEA, you'll help shape the future of credit risk management for a diverse client base, including private equity-owned, corporate, and venture-backed companies. This role offers the opportunity to collaborate with business partners across the Commercial & Investment Bank and make a real impact. If you thrive in a fast-paced environment and want to grow your career, this is the place for you.

As a Wholesale Credit Risk EMEA Associate in the Technology, Media & Telecoms (TMT) team, you will work closely with business partners across the region, including Debt Capital Markets, Acquisition and Leveraged Finance, M&A, Corporate Bank, Markets, Treasury Services, and Trade Finance to assess and manage credit risk for a broad range of clients within TMT. You will have the opportunity to support clients across Leveraged, Investment Grade, and Innovation Economy segments, including those backed by Venture Capital. We value your expertise and collaborative spirit as we drive impactful credit risk decisions together.

Job Responsibilities

• Take responsibility for due diligence, credit analysis, and financial modelling of credit counterparties
• Drive the preparation of credit memos and make recommendations on structure, risk appetite, and grading
• Build financial models and challenge industry teams on modelling assumptions
• Devise appropriate downside scenarios and clearly articulate key modelling conclusions
• Work across a variety of products including loans, derivatives, trade, and treasury products
• Negotiate loan documentation, derivatives, and other facilities to help mitigate risks
• Understand risk management policies and interact with stakeholders, including regulators and auditors
• Manage ongoing credit risk portfolio, monitoring ratings, sector trends, and client performance
• Coach and support the development of junior colleagues

Required Qualifications, Capabilities, and Skills

• Sound credit skills and judgment with a proactive approach to credit process and risk identification
• Demonstrate knowledge of transaction structures, loan documentation, and banking products
• Good interpersonal and communication skills, both written and verbal
• Ability to establish credibility and trust with key stakeholders
• Proven coaching and development ability towards junior colleagues
• Self-starting, result-driven, multi-tasking, and adaptable to change
• Prior experience in a Credit Risk department or leveraged finance underwriting
• Skills in cash flow modelling and financial analysis

Preferred Qualifications, Capabilities, and Skills

• Knowledge of European languages in addition to English
• Experience working with Venture Capital-backed clients
• Familiarity with high yield loans, corporate style loans, and venture term loans
• Understanding of risk-reward mindset in dynamic environments
• Experience interacting with regulators and auditors
• Ability to challenge and support industry teams on modelling assumptions
• Experience in portfolio management and monitoring sector trends