Senior Credit Analyst
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ICICI Bank, a leading private sector bank with a nationwide branch network and a growing international footprint, invites applications for a Senior Credit Analyst in Mumbai. The role combines rigorous credit evaluation with strategic risk assessment to support sustainable lending across MSME and mid-market segments.
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Job Overview
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As a Senior Credit Analyst, you will assess borrower viability, structure credit facilities, and monitor risk across a diversified portfolio. You will work closely with Relationship Managers, Credit Risk Management, and Operations to ensure timely, accurate underwriting while adherence to RBI guidelines and internal policy. The position offers exposure to varied sectors and complex credit structures, enabling growth in credit risk analytics and portfolio management.
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Responsibilities
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- Underwrite new credit proposals for MSMEs and mid-market clients, evaluating cash flows, collateral, and repayment capacity.
- Prepare comprehensive credit proposals for approval, including risk ratings, covenants, and documentation needs.
- Perform in-depth financial statement analysis and cash flow modelling to project debt service coverage ratios (DSCR).
- Assess sector and borrower risk, monitor portfolio quality, and identify early warning signals.
- Collaborate with Relationship Managers to structure feasible facilities aligned with risk appetite and policy.
- Coordinate with Credit Risk Management to ensure compliance with internal standards and RBI guidelines.
- Review and verify KYC, CIBIL reports, and other credit data sources for accuracy.
- Mentor junior analysts, contribute to process improvements, and support training initiatives.
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Qualifications
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- Bachelor’s degree in Finance, Economics, Commerce, or related field; MBA or CA qualifications preferred.
- Minimum 5 years of experience in credit underwriting or risk analysis within banking/financial services.
- Strong proficiency in financial modelling, Excel, and data interpretation; familiarity with IFRS/Ind AS is a plus.
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Benefits
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- Competitive salary with annual performance bonus and PF benefits.
- Health insurance coverage for employees and dependents.
- Professional development programs and opportunities for career progression.
- Employee wellness initiatives, paid time off, and a supportive work environment.
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About Location
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Mumbai, the commercial and financial capital of India, offers a dynamic work culture with access to a wide range of industry insights, networking opportunities, and a robust banking ecosystem.
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How to Apply
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Interested candidates should submit their CV and a cover letter through ICICI Bank’s Careers portal at https://www.icicibank.com/careers. Please mention the reference code CRED-STAT-ICICIMUM-2025 in your application. Shortlisted applicants will be notified within two to three weeks for interviews.
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ICICI Bank is an equal opportunity employer. We value diversity and are committed to creating an inclusive environment for all employees.
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