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    Goldman Sachs

    Financial Services

    Risk - Credit Risk - Vice President - Bengaluru

    Bengaluru, IndiaOn-SiteFull-time10+ yrs experiencePosted 3w ago
    All Goldman Sachs jobs

    Job description

    Who We Are

    At Goldman Sachs, we connect people, capital and ideas to help solve problems for our clients. We are a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals.

    Divisional Overview 

    The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.

    Department overview 

    Credit Risk (CR) is responsible for managing the firm’s credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm’s risk appetite. Staffed with more than 300 professionals, CR operates through 11 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment.

    Credit Research Group 

    Credit Research Group plays a key role in assessing the credit and financial strength of corporate, financial institution, and sovereign counterparties by performing fundamental credit analysis through writing research reviews (covering both the counterparty and industry in which the counterparty transacts). This team is also responsible for the ongoing surveillance of all corporate/financial institution/sovereign counterparties, assignment of internal credit ratings, and participation in regulatory exams.

    RESPONSIBILITIES AND QUALIFICATIONS

    Responsibilities 

    Performing Counterparty Analysis and Risk Management:

    • Assess the credit and financial strength of the firm's corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
    • Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments
    • Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases
    • Build and maintain financial projection models
    • Present findings and recommendations to senior leadership and answer questions relating to analysis performed
    • Monitor counterparties for changes in creditworthiness and take appropriate action
    • Perform portfolio-level stress testing and scenario analysis to evaluate the impact of macroeconomic shocks on counterparty creditworthiness and portfolio performance.
    • (Good to have) Demonstrated ability to design, test, and refine structured prompts—utilizing prompting techniques to guide Large Language Models (LLMs) in analyzing unstructured data sources, extracting key financial metrics

    Other key responsibilities include:

    • Working collaboratively with Risk Engineering colleagues to continually identify and solve for operating efficiency

    This position description is intended to describe the duties most frequently performed by an individual in this position. It is not intended to be a complete list of assigned duties but to describe a position level. The role shall be performed within a professional office environment. Goldman Sachs has health and safety polices that are available for all workers upon request. There are no specific health risks associate with the role.

    • Spreading historical and projected financials in Credit systems and performing analysis including peer comparison to identify and document trends and anomalies necessary in assessing creditworthiness
    • Coordinate with global colleagues in GS Risk teams as well as with other divisions
    • Support key Risk governance and approval committees

    Qualifications 

    • Minimum Bachelor’s degree in business or finance, Masters preferred
    • 7-10 years of experience in a related corporate credit risk role with experience in credit analysis, ratings analysis, corporate finance and/or research desired
    • Functional background or relevant experience in finance and accounting
    • Highly motivated with strong academic background
    • Team player with an ability to work effectively with colleagues in other regional offices
    • Flexibility, ability to learn quickly
    • Strong organizational skills and the ability to manage multiple assignments concurrently
    • Familiarity with regulatory rating requirements and application of such guidance is preferred
    • Strong analytical, presentational and communication skills require

    ABOUT GOLDMAN SACHS 

    At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.

    We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.

    We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html

    Job details are sourced from the employer's original posting.

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    About the company

    Goldman Sachs

    Our team of engineers builds solutions to the most complex problems. We develop cutting-edge systems and processes that form the core of our key business and enable transactions to move in milliseconds. We provide real-time access to critical deal information and crunch billions of data points each day to inform firm-wide market insights and strategies. Team members have the opportunity to work at the forefront of technology innovation alongside industry leaders and make significant contributions to the field.

    View all Goldman Sachs jobs
    Industry
    Financial Services
    Founded
    1869
    Open roles
    1195

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