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Date Posted
15-Jul-2026
Location
Maharashtra (MH), 1
Job Type
Full Time
Company
Huntsman
Description
Job Title:
Credit Risk Analyst – Retail Risk Operations
Location: Nagpur, Maharashtra
Job ID: 28111
Job Type: Regular Employee | Work Style: Office Working
Opening Date: 13 May 2025
Key Responsibilities
Strategy
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Contribute to shaping the strategic direction of Retail Risk Operations.
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Collaborate with in-country stakeholders to align initiatives with strategic goals.
Business
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Optimize operational efficiency while maintaining the effectiveness of credit file processing.
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Ensure cost budgets in Credit Initiation are based on robust capacity planning and delivered within discipline.
Processes
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Ensure credit files comply with defined process standards.
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Lead initiatives for standardization, automation, and process re-engineering.
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Enhance credit assessment infrastructure to improve efficiency.
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Implement Operational Risk Framework and monitor metrics to detect control weaknesses.
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Identify and track KPIs for strategic and operational insights.
People & Talent
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Lead by example and instill a culture aligned with Standard Chartered’s values.
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Ensure continuous development and supervision of team members.
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Attract, retain, and manage succession planning for critical roles.
Risk Management
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Benchmark and implement industry best practices.
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Analyze application quality and advise stakeholders on optimizing risk/reward balance.
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Ensure all policies align with group and regulatory standards.
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Maintain updated policy documentation.
Governance
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Uphold compliance with regulatory and internal policies.
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Promote ethical behavior and embed Group values in all operations.
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Ensure audit and regulatory issues are closed satisfactorily.
Regulatory & Business Conduct
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Exhibit exemplary conduct aligned with Standard Chartered’s values.
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Ensure compliance with all relevant laws and codes of conduct.
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Collaborate to escalate and resolve risk and compliance issues effectively.
Stakeholder Engagement
Internal Stakeholders
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Country Retail Risk Head
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RRO & Policy Teams
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Retail Business/Product Heads
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In-country Governance Forums
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Collections, Fraud, IT, Operations, Legal & HR Teams
External Stakeholders
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Auditors & Regulators
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Credit Bureaus and Industry Associations (Visa, MasterCard, Amex, etc.)
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External Vendors and Consultants
Additional Responsibilities
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Review credit files for compliance and documentation.
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Conduct Tele/Physical PDs as per policy.
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Manage reworks and coordination with business teams.
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Validate legal and valuation reports and determine final eligibility.
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Analyze financials, banking, and sales turnover metrics.
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Conduct fraud and external checks.
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Prepare detailed Credit Approval Memos.
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Manage and monitor vendor performance, TATs, billing, and compliance with TPSA clauses.
Skills and Experience Required
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Financial Analysis and interpretation of statements
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Legal and Technical understanding of credit processes
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Proficiency in MS Excel and MS Word
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Strong analytical, communication, and decision-making skills
Qualifications
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Education: MBA / CA with minimum 2 years of experience
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Languages: Proficiency in English and Hindi
About Standard Chartered
We’re a global bank with over 170 years of history, committed to driving commerce and prosperity through our unique diversity. If you seek a career with purpose and innovation, we welcome your application.
What We Offer
Core Benefits
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Competitive salary aligned with our Fair Pay Charter
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Health, medical, and life insurance
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Paid sick time
Work-Life & Well-being
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Flexible working arrangements (hybrid/onsite)
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Sabbatical leave (up to 12 months), parental leave (20 weeks)
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Access to Unmind digital wellness platform
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Global Employee Assistance Programme (EAP)
Growth & Learning
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Opportunities for reskilling/upskilling
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Digital, virtual, and in-person learning platforms
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Inclusive culture celebrating diversity and individuality
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