Associate/Sr. Associate - Credit Analyst Agency Arrangement

BNP Paribas

Education
Benefits
Qualifications

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.

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 specialised 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

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.

About Business line/Function :

Financial Institutions Coverage (FIC) is a department in charge of the relationship management of key Financial Institutions, building long-term relationships and promoting the full portfolio of Business solutions BNPP can offer.

Within FIC, the Institutional Credit Analyst Team (ICAT) is a key domain of the first line of defense of the Bank, in charge of the assessment of Institutional clients’ credit profile and recommendation to delegation holders of credit authorizations.

The team covers all type of Financial Institutions: Banks, Insurances, Sovereign, Brokers, other non-banks financial institutions, pensions funds, funds, hedge funds, regulated funds, funds of hedge funds, agency arrangements and asset managers. 

Job Title:

Credit Analyst for Agency arrangements

Date:

2024

Department:

FIC ICAT

Location:

Mumbai

Business Line / Function:

FIC ICAT APAC

Reports to:

(Direct)

Team Manager

Grade:

NA

(Functional)

Regional Managers

Number of Direct Reports:

Directorship / Registration:

NA

Position Purpose

In the context of agency arrangements, BNPP gets exposed to principals through transactions dealt by Agents which are entitle to act on behalf of their clients for the conduct of specific financial activities or transactions.

Principals covered by agents can be numerous and are often, but not exclusively, Investments Funds, Pensions Funds or Insurance Companies.

The FIC ICAT position aims at covering the Credit management of principals under agency arrangements, worldwide.

The position is part of a platform of Credit analysts incorporated into BNPP India Solutions, operating under the supervision of the Regional ICAT Teams for the counterparties incorporated in their respective Regions.

The position plays a key role in the efficiency of clients’ onboarding and in the management of the credit risk of the Bank.

It implies working in close partnership with the ICAT community, FIC bankers, Businesses (notably Global Market Client onboarding teams) and RISK.

Responsibilities

  • The credit analyst is responsible for completing credit analyses on a portfolio of Principals under agency arrangements to facilitate informed credit decisions.

Such a responsibility implies to:

  • Collect credit requests from Business lines, as well as former credit decisions if any
  • Create a request in the Credit Process Administration tool
  • Collect documentation, data points related to the principals to analyze
  • Run the rating policy associated to the principal of consideration
  • Produce and format reports for limits & exposure monitoring and other regular or Ad Hoc reports
  • Report requested limits and recommend limits as per policies
  • Check Delegation Levels and type of analysis needed for all counterparties
  • Prepare, compile and circulate books and committee packs
  • The analyst must contribute to the Bank’s reactivity vis-à-vis clients’ expectations by prioritizing urgent requests, while ensuring the performance of Annual Reviews in due time.
  • On a permanent basis, the analyst must also monitor the portfolio under coverage and report any possible credit warning signal as per market intelligence, available financial information. 

Technical & Behavioral Competencies

  • Strong and proven analytical skills
  • Adaptability and proactivity, multitasking
  • Strong presentation and communication skills (verbal and written)
  • Advanced knowledge of Microsoft Office (Word, Excel, PowerPoint)
  • Valid knowledge and understanding of banking and financial markets
  • Self-driven and organized
  • Rigorous and reliable

Specific Qualifications (if required)

  • Bachelor’s Degree in Banking, Finance, Economics, Risk Management, Financial Markets or other relevant areas

Languages

  • English (fluent) 
  • Additional Asian language would be welcomed

Skills Referential

Behavioural Skills: 

Adaptability

Communication skills - oral & written

Client focused

Attention to detail / rigor

Transversal Skills:

Analytical Ability

Ability to develop and adapt a process

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Education Level:

Bachelor Degree or equivalent

Experience Level

Other/Specific Qualifications (if required)

NA

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Confirmed 11 hours ago. Posted 30+ days ago.

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