Credit Analyst - SME BWC

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Requisition Number: 56488

Job Location: Delhi, IND

Global Grade: Band 7

Work Type: Office Working

Employment Type: Permanent

Posting Start Date: 24/06/2026

Posting End Date: 08/07/2026

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Job Summary

Job Purpose:

This role is within Business Banking for Credit analyst is for Analyse financials, banking and other credit related activities

Assessment of documentation provided for sanctioning of facilities

Monitoring of post sanction condition compliance in time bound manner.

Coordinating with various stakeholders for sanctioning of facilities including internal and external stakeholders.

Day-to-day monitoring of MIS and control of the relationships i.e. accesses, deferrals, past dues

100% commitment to code of conduct

Timely completion of assigned mandatory e-learning’s

Portfolio management support for coordinating with CRC/SME ops

Aster compliance as per guidelines

100% commitment to code of conduct

Timely completion of mandatory e-learning’s

Key Responsibilities

Strategy

Responsible for the portfolio quality and risk including zero tolerance/ KYC.

Meeting client time to time and check customer performance, discuss debtors stretch and probability of enhancement and other required products.

Ensure to have OPAC (Operating Account) criteria satisfied, for example, Quarterly Churning in accounts, Tracking HV transactions and informing client time to time if churning not routing through us. In case of multiple banking proportionate churning to be checked.

Client servicing through the Bank’s “Out serve” mode with the aim of Customer delight

Business

Support Relationship Managers in handling a group of relationships to meet revenue and profit targets for these relationship

Handle deals, together with the RM, from concept to completion with particular emphasis on transaction structuring and documentation

Support RM for NTB clients to onboard where there is a scope of Trade and Bundles FX

To maintain close rapport with clients and provide quality service

Prepare high Quality Business Credit Applications with minimum subsequent rework and time.

Processes

Support RM Daily Annotation of the transaction as per the DOI,

Respond on Transaction Monitoring, SAR, RFI, CDD actionable timely closure within TAT. No pendency.

Review and closure of ASTAR items, covenants, deferrals, Pending Documents within TAT

People & Talent

Ensure no overdue and all covenants like Stock and Book Debt Statement/Stock Audit/NPA reporting / Exchange of Information in case Multiple Banking complied with

Risk Management

Reporting of deteriorating credit risks in his/her portfolio and ensuring that necessary steps Prompt recognition is taken to minimize loss to the Bank

Renewals of the accounts to be done in timely or any extension required then prior to BCA expired approvals to be taken, Fx Past due and MTM/Grading and actionable as per GPN and comply as per the country regulatory.

Governance

100% commitment to code of conduct

Timely completion of mandatory e-learning’s

Regulatory & Business Conduct

Display exemplary conduct and live by the Group’s Values and Code of Conduct.

Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct.

Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters.

Key stakeholders

BB RMS – Agri & BWC

Central Team – Agri & BWC

CI Team

External vendors

CRC/Ops

Policy

ECDD

Other Responsibilities

Embed Here for good and group’s brand and values in India – Business banking team

Perform other responsibilities assigned under group, country, Business or functional policies and procedures.

Multiple functions (double hats)

Skills and Experience

Computer proficiency

Credit Analysis

Stakeholder Management

Knowledge of SME Lending Products

Qualifications

Graduate plus

About Standard Chartered

We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us.

Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion.

Together we:

Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do

Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well

Are better together, we can be ourselves, be inclusive, good in others, and work collectively to build for the long term

What we offer

In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing.

Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations.

Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum.

Flexible working options based around home and office locations, with flexible working patterns.

Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits

A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning.

Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

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