Job Description

CRO - Senior Credit Risk Officer, VP Position Overview In Scope of Position based Promotions (INTERNAL only) Job Title: Senior Credit Risk Officer, VP Location: Mumbai Role Description Chief Risk Office Vision is to provide industry-leading independent risk management capabilities in an innovative and efficient manner. Deutsche Bank is exposed to a wide range of risks every day. Credit losses, volatility of market prices, operational failures, infrastructure outages, liquidity shortages, and regulatory and legal matters can all have an impact on the bank\'s capital and reputation. The CRO function has Group-wide, supra-divisional responsibility for the management/control of all credit, market, operational & liquidity risks and the continuing development of methods for risk measurement. In addition, CRO function is responsible for monitoring, analysing and reporting risk on a comprehensive basis. CRO function is structured along three core dimensions: business aligned coverage overarching regional risk management and risk & control functions. This includes Credit Risk Management, Market & Valuation Risk Management, Liquidity Risk Management Anti-Financial Crime, Compliance, Non-Financial Risk Management, Business Selection & Conflicts Office, Enterprise Risk Management, Group Strategic Analytics, and Chief Operating Office. About Credit Risk Management Function Credit Risk is a centralised risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the bank\'s Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the bank\'s credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the bank\'s capital. What we will offer you: A healthy, engaged and well-supported workforce are better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That\'s why we are committed to providing an environment with your development and wellbeing at its center. You can expect: Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities: Credit Officer responsible for reviewing, recommending and approving complex/structured transactions across business units and wide spectrum of products. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite. Maintain DB\'s high underwriting standards and drive resolution with business units and key stakeholders. Liaise with clients, interface directly with front office staff and other CRM units on credit approvals, credit requirements and relationship matters Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DB\'s underwriting standards, at the same time supporting the Business to achieve agreed targets Perform portfolio reviews to ensure risk are proactively assessed and managed. Drive audit and regulatory agenda as required. Training/guiding juniors in reviewing structured transactions, knowledge transfer to other credit officers Your skills and experience: In depth knowledge of credit risk associated with corporate and investment banking products and business product knowledge including Financing, Commercial Real Estate, Commercial Banking, Trade Finance and Derivative products Technically strong, with a good understanding of global risk regulations Corporate and Financial Institution credit analysis skills with understanding of industry risk drivers established negotiation skills to deal effectively with conflicting priorities & resources Ability to build strong relationships internally with divisional clients locally & globally, as well as internal stakeholders Educated to Bachelor\'s degree level or equivalent qualification/relevant work experience. A related degree ideally coupled with a Risk Management qualification. How we\'ll support you: Flexible working to assist you balance your personal priorities Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs Training and development to help you excel in your career About us and our teams Please visit our company website for further information: Our values define the working environment we strive to create - diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results and encourage our people to develop to their full potential. Talk to us about flexible work arrangements and other initiatives we offer. We promote good working relationships and encourage high standards of conduct and work performance. We welcome applications from talented people from all cultures, countries, races, genders, sexual orientations, disabilities, beliefs and generations and are committed to providing a working environment free from harassment, discrimination and retaliation. Visit to discover more about the culture of Deutsche Bank including Diversity, Equity & Inclusion, Leadership, Learning, Future of Work and more besides.

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