Job Description

Do you want your voice heard and your actions to count?

Discover your opportunity with Mitsubishi UFJ Financial Group (MUFG), one of the world's leading financial groups. Across the globe, we're 150,000 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 Overview

---------------------


The role of the Credit Analyst within the

Japanese Corporate Team

involves conducting comprehensive credit assessments of Japanese corporates operating in India. The analyst will support the business and risk teams by preparing high?quality credit reviews, underwriting proposals, performing financial and industry analyses, and ensuring adherence to internal credit policies and regulatory guidelines. This position requires strong analytical capability, attention to detail, and the ability to manage relationships with internal stakeholders while working on large and complex corporate clients.

Key Responsibilities

------------------------

1. Credit Assessment & Analysis

Conduct detailed

financial statement analysis

, including profitability, liquidity, leverage, cash flows, and working capital assessment. Prepare

end-to-end credit appraisal memos

for new proposals, renewals, enhancements, and annual reviews. Analyze

business models, industry outlook

, market position, and competitive landscape of Japanese corporates. Identify key

credit risks

, mitigants, and provide well?reasoned recommendations.

2. Underwriting & Portfolio Management

Underwrite large corporate exposures across working capital, term loans, trade finance, and treasury-linked products. Monitor portfolio health and track early warning indicators (EWI). Conduct

periodic portfolio reviews

, covenant monitoring, and credit limit utilization checks. Work closely with the Relationship Management (RM) team to structure facilities aligned with risk appetite.

3. Japanese Corporate Coverage

Develop a strong understanding of typical Japanese corporate business practices, group structures, and financial frameworks. Liaise with internal Japanese corporate coverage team for information collection and credit clarifications. Engage with client representatives (where needed), especially for complex credit structures.

4. Compliance, Documentation & Reporting

Ensure compliance with

internal credit policies, risk guidelines, RBI norms, and audit requirements

. Coordinate with legal, compliance, and operations for documentation and limit activation. Support preparation of

regulatory and internal management reports

.

5. Cross-functional Collaboration

Work with risk, operations, legal, and compliance teams for seamless credit processing. Provide analytical support during client meetings and negotiations alongside RM team. Assist in internal rating assessments and scorecard updates.

Key Skills & Competencies

------------------------------

Technical Skills

Strong understanding of

financial analysis

, corporate banking products, and credit underwriting. Familiarity with assessment of

large corporates

, including diversified groups and complex structures. Proficiency in Excel, financial modelling, and credit rating tools.

Behavioral Skills

Analytical thinking and ability to interpret complex financial information. High attention to detail, accuracy, and structured approach. Strong communication and presentation skills--ability to articulate credit rationale clearly. Ability to work under pressure and handle multiple transactions concurrently.

Qualifications & Experience

--------------------------------

Education:

MBA (Finance), CA, CFA, or equivalent qualification preferred.

Experience:

+ 3-6 years of experience in

corporate credit analysis

, underwriting, or risk roles.

Mitsubishi UFJ Financial Group (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.