Senior Executive | Trade Surveillance | Bengaluru | Regulatory & Financial Risk

Job description

Job requisition ID :: 104014 Date: Jun 12, 2026 Location: Bengaluru Designation: Senior Executive Entity: Deloitte South Asia LLP **Senior Executive | Trade Surveillance | Bengaluru | Regulatory & Financial Risk** - **Job requisition ID** : 104014 - **Location**: Bengaluru - **Entity**: Deloitte South Asia LLP **The team** Deloitte Strategy, Risk & Transaction helps entities mitigate risk while discovering new opportunities to create value. Our end-to-end risk services span all domains, from managing strategic risks in the C-Suite to improving board oversight, and from balancing financial and environmental policies to addressing cyber threats.**Learn more about Risk, Regulatory & Forensic**) **Your work** - **Evaluate loan applications** for commercial and wholesale banking clients, **ensuring adherence to internal credit policies, risk appetite, and regulatory frameworks** (e.g., Basel III). - **Prepare detailed credit memos** and present recommendations to the credit committee. - **Structure and negotiate credit facilities**, including term loans, working capital, trade finance, and real estate-backed loans. - **Credit Analysis:** Assess creditworthiness by analysing borrowers’ financial statements, cash flow projections, and risk factors. - Perform thorough due diligence on borrowers, guarantors, and collateral. - **Loan Document Review:** Conduct thorough reviews of loan documentation to identify risks and ensure compliance with legal and organizational requirements. - **Financial Statement / Ratio Analysis:** Analyse key financial ratios, trends, and statements to provide recommendations on lending decisions. - **Corporate/FI Onboarding:** Collaborate with internal stakeholders to ensure smooth onboarding of corporate clients and financial institutions, while maintaining compliance standards. - **Collaboration**: Partner with relationship managers to design client-specific solutions. - Proven experience with commercial and wholesale loans, including loan structures and risk assessment methodologies. - Strong understanding of commercial/wholesale banking products, such as term loans, trade finance, and CRE lending. - Expertise in financial modelling, cash flow analysis, and debt capacity assessment. - Familiarity with credit scoring systems, loan documentation, and collateral management. - Proficiency in credit analysis, including financial statement interpretation and ratio analysis. - Ability to assess cash flows and financial trends to support sound lending decisions. - Expertise in reviewing and interpreting loan documentation to identify and mitigate associated risks. - Perform comprehensive credit assessments, including financial analysis, business evaluation, peer benchmarking, and ESG review, with emphasis on corporate clients. - Prepare underwriting papers, credit notes, renewal proposals, and new-money requests by synthesizing borrower financials, sector data, and internal risk guidelines. - Contribute analytical insights during deal discussions and credit committee/approval forums. - Support Business with financial spreading, data verification, documentation checks, and portfolio-related queries. - Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms. - Monitor portfolio performance through covenant tracking, exposure review, early-warning indicators, and adherence to approval conditions; escalate deviations when required. - Conduct sector and counterparty research, including climate-risk and sustainability-related assessments. - Tenured professionals to lead the credit underwriting team by allocating work, reviewing outputs, coaching analysts, and enhancing overall credit-writing capability. - Provide guidance on deal structuring and collaborate with RMs, Risk, Legal, and Operations to finalise covenants, terms, and execution requirements. - Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution. **Key skills required:** - Minimum relevant experience of 5 Years in credit domain. - Minimum Graduate/ Postgraduate Degree. - Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures - Financial modelling, excel proficiency, data validation - Credit policy interpretation, documentation governance, controls - ESG and climate-risk assessment exposure - Stakeholder management, negotiation, and team guidance (for senior levels) - Postgraduate degree or professional qualification preferred (CA / CFA / FRM). - Strong grounding in credit analysis, financial ratios, corporate finance, and banking products. - Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes. - Understanding of ESG/climate-risk principles (preferred). - Strong analytical and decision-making skills. - Excellent verbal and written communication skills. - Ability to work under pressure and manage multiple priorities