About this role
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.
Other facts
About MUFG
MUFG (Mitsubishi UFJ Financial Group) is one of the world's leading financial groups. Headquartered in Tokyo and with over 360 years of history, MUFG has a global network with over 2,100 locations in more than 40 markets including the Americas, Europe, the Middle East and Africa, Asia and Oceania. The Group has over 120,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. Through close partnerships among our group companies, the Group aims to be the world's most trusted financial group, flexibly responding to all of the financial needs of its customers, serving society, and fostering shared and sustainable growth for a better world. MUFG's shares trade on the Tokyo, Nagoya, and New York stock exchanges. Watch our profile video: https://youtu.be/htyOjA1H6bQ Details of MUFG's Group companies can be found at the following websites: http://www.bk.mufg.jp/global http://www.tr.mufg.jp/english https://mufgamericas.com https://www.mufgemea.com http://www.hd.sc.mufg.jp/english
©2024Mitsubishi UFJ Financial Group, Inc. All rights reserved. The MUFG logo and name is a service mark of Mitsubishi UFJ Financial Group, Inc.
What you'll do
- The Credit Analyst will conduct comprehensive credit assessments of Japanese corporates in India, preparing high-quality credit reviews and underwriting proposals. The role also involves monitoring portfolio health and ensuring compliance with internal credit policies and regulatory guidelines.
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