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Mumbai Mumbai Maharashtra, Maharashtra, India
Competitive Salary
Closing date
Dec 3, 2023

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Job Role
Contract Type
Full Time
Do you want your voice heard and your actions to count?
Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), the 7th largest financial group in the world. Across the globe, we're 160,000 colleagues, striving to make a difference for every client, organization, and community we serve. We stand for our values, building long-term relationships, serving society, and fostering shared and sustainable growth for a better world.
With a vision to be the world's most trusted financial group, it's part of our culture to put people first, listen to new and diverse ideas and collaborate toward greater innovation, speed and agility. This means investing in talent, technologies, and tools that empower you to own your career.
Join MUFG, where being inspired is expected and making a meaningful impact is rewarded.
Position - Analyst


Responsible for developing the framework for credit portfolio analysis, tools to identify and measure credit risk, support in setting up & monitoring the risk appetite framework including related policies and procedures.
Risk Evolution & Analysis
- Ongoing engagement with the business teams to understand the evolution of business model (including new products / customer segments etc.) and estimate evolution of risk accordingly.
- Analyzing current risks and identifying potential risks that are affecting the bank, comparing potential risk with criteria set out (Risk Appetite) by the Bank and taking preventive measures.
- Maintain good working knowledge of latest industry trends, products, relevant laws and regulations so as to apply them in strengthening the risk framework. e.g. emerging risk areas under Basel
- Keeping a track of trend changes from credit data readings by deep-diving into (statistical and empirical) readings on product s and uncovers potential hidden risks.
- Support the monitoring of portfolio for compliance to bank-wide policies and procedures as well as banking regulations.


Policy, Procedures and Audit
- Responsible for creating and periodic review of credit policies, procedures and monitoring frameworks based on emerging regulatory / business requirements.
- Engagement with relevant stakeholders on the above on an ongoing basis to facilitate effective implementation, query resolution etc.
- Support periodic audits (internal and external) for the department by reviewing the recommendations and establishing countermeasures as appropriate.
- To support the preparation of various regulatory and Head Office reports
Credit Reporting
- Monitor the preparation of regulatory (RBI) reporting for credit related items including ICAAP (Internal Capital Adequacy Assessment) and Stress Testing and ensuring that regulatory stipulations are adhered to.
- Collate and review various reports prepared by the team to ensure accuracy prior to submission to Head Office.
Job Requirements:
- Experience in tools / methodologies for computation of risk, analysis of risk, risk reporting
- Knowledge of Corporate Banking products and services along with experience in establishing Credit frameworks & control mechanisms and ability to upskill in line with emerging requirements
- Knowledge of local regulations (RBI) relating to Credit in order to formulate changes to the Bank's current rules and procedures
- Must have effective communication skills and the ability to translate data into meaningful MIS/reports with recommendations for decision making
Education and Professional Qualifications Length and Type of Experience:
Having Bachelor Degree from reputable university preferably CA / MBA
3 to 7 years' experience in Banking or Financial industry, with a minimum of 1 year of experience in Risk function.
MUFG Bank Ltd & MUFG Securities Asia Limited (collectively referred to as "MUFG") is an equal opportunity employer. We view our employees as our key assets as they are fundamental to our long-term growth and success. MUFG is committed to hiring based on merit and organsational fit, regardless of race, religion or gender.
At MUFG, our colleagues are our greatest assets. Our Culture Principles provide a roadmap for how each of our colleagues must think and act to become more client-obsessed, inclusive and innovative. They reflect who we are, who we want to be and what we expect from one another. We are excited to see you take the next step in exploring a career with us and encourage you to spend more time reviewing them!
Our Culture Principles
- Client Centric
- People Focused
- Listen Up. Speak Up.
- Innovate & Simplify
- Own & Execute

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