AVP- Credit Strategy Group - Quality Assurance

Job description

**Do you want your voice heard and your actions to count?** Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world’s leading financial groups. Across the globe, we’re 150,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world. With a vision to be the world’s most trusted financial group, it’s part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career. Join MUFG, where being inspired is expected and making a meaningful impact is rewarded. **About the role:** **Position Title:** AVP- Credit strategy group- Quality Assurance- EMEA Risk **Corporate Title:** AVP **Internal Title:** Manager/AVP **Location:** Bangalore **Reporting to:** Vice President/ Director **Shift timings:** 2 pm to 11 pm **Overview Of The Department/Section** Credit Strategy Group (CSG) implements and facilitates the Chief Credit Officer’s (CCrO) responsibilities for credit portfolio risk management and ensures a robust operating environment to managing credit risk. CSG in EMEA is responsible for: - Defining Credit Strategy and Credit Culture through Credit Risk Appetite and Credit Risk Policies & Procedures. - Providing insight into portfolio risks and proposing optimisation strategies to Front Office. - Identification of emerging risks (e.g. single name, country, sector) and highlighting portfolio vulnerabilities. - Ensuring a robust Risk and Control environment to support the Credit Risk Framework - Supporting global and EMEA Credit Risk Management. - Performing robust Quality Assurance file reviews to provide feedback to enhance Credit Sanctioning processes This function includes the following teams: Credit Risk Policy & Framework (CRPF), Credit Portfolio Analysis (CPA), Quality Assurance (QA) and Credit Solutions Management (CSM). **MAIN PURPOSE OF THE ROLE** - To perform a risk‑based Quality Assurance framework over second line (2LOD) credit sanctioning activities by reviewing sampled transactions across CIB and FIG Credit and contributing to associated management information (MI) to ensure robust portfolio coverage, consistency and adherence to EMEA credit sanctioning process. - To drive insightful QA management information (MI) through analysis of themes, trends, and systemic issues, providing actionable recommendations to senior stakeholders. - To execute the assessment and review of inbound credit transactions booked in EMEA but originated and/or approved by non‑EMEA credit teams, ensuring they meet internal credit standards, risk appetite and governance requirements. - To conduct credit analysis, validate transaction information, and support the EBOC review process, ensuring robust oversight and review prior to booking. - Support the development of junior team members and contribute to strengthening overall QA capability. **Key Responsibilities** - Contribute to the execution of risk-based Quality Assurance reviews over second line credit sanctioning processes across CIB and FIG portfolios. - Own and continuously enhance QA MI and reporting, driving robust sampling approaches and delivering insightful analysis of findings, including identification of key themes, trends, and systemic issues. - Enhance and drive improvements to QA methodologies and review templates to increase effectiveness, consistency, and portfolio coverage. - Review and analysis of inbound credit transactions to be booked in EMEA, ensuring completeness, consistency, and adherence to internal standards. - Perform fundamental credit analysis and assess key transaction elements including structure, purpose, pricing, tenor, and risk mitigants. - Review and validate EBOC submission materials, ensuring all required information is accurate, clearly articulated, and aligned with supporting documentation. - Identify, document and escalate key credit risks, gaps, and inconsistencies identified during transaction review. - Prepare and enhance credit summaries, risk assessments, and committee materials to support effective and efficient review processes - Engage with Front Office, non‑EMEA Credit teams, and other stakeholders to obtain missing information and resolve queries in a timely manner. - Track and monitor conditions attached to approvals, ensuring timely follow-up, resolution, and appropriate closure in line with internal standards. - Maintain accurate documentation and audit trails for all reviewed transactions in line with internal and regulatory expectations. **Work Experience** Essential: - Experience working in financial institutions performing credit analysis - Experience in corporate banking and/or structured finance Preferred: - Minimum 3 years’ experience in credit analysis within a financial institution - Experience of setting and applying credit risk strategy within a broader business strategy. - Proven experience in investment banking in credit or front office **Skills And Experience** **Functional / Technical Competencies:** - Strong knowledge of corporate credit analysis, accounting, legal/documentation, - Excellent communication and stakeholder management skills - Excellent analytic and quantitative skills **Education / Qualifications:** **Essential** - Bachelor’s degree **Personal Requirements** - Excellent communication skills - Stakeholder management and effective communication - Results driven, with a strong sense of accountability - A proactive, motivated approach - The ability to operate with urgency and prioritise work accordingly - Strong decision-making skills, the ability to demonstrate sound judgement - A structured and logical approach to work