137 Credit Control Manager jobs in India

Location : Bangalore

Reports to : Engagement Manager / Senior Manager

Department : Risk Advisory / Assurance Services

Job Summary

We are looking for a dynamic and detail-oriented professional to join our consulting team as an Internal Audit (IA) and IFC Associate & Senior Associate . The role involves working with diverse clients to enhance their internal audit processes, implement robust internal financial controls, and drive organizational compliance with applicable regulatory frameworks. The candidate will also provide advisory support to clients for process improvement and risk mitigation strategies.

Focus on: Performing risk-based IA focused on value addition and forensic reviews. Also, should have hands on experience in developing policies, SOPs and KPIs in core business areas for large consumer product companies

Key Responsibilities Internal Audit (IA)

• Develop audit plans, strategies, and methodologies tailored to client needs and industry standards.
• Conduct risk assessments and identify key areas of concern within client operations.
• Execute end-to-end internal audits, including process walkthroughs, testing, and reporting findings.
• Draft and present audit reports with actionable recommendations to senior client stakeholders.
• Collaborate with client teams to address audit observations and follow up on remediation plans.
• Stay updated on industry trends, best practices, and regulatory changes impacting clients.

Internal Financial Controls (IFC)

• Assess clients' existing financial control frameworks and identify gaps.
• Assist in designing and implementing internal financial controls in compliance with applicable regulations (e.g., SOX, Companies Act).
• Perform control testing (design and operating effectiveness) and provide detailed reports on findings.
• Guide clients in documenting processes, controls, and related risks.
• Support clients in meeting external audit requirements and certifications.
• Deliver training and workshops on internal controls and risk management to client teams.

Skills and Qualifications

• Educational Background : CA, CPA, CIA, MBA (Finance), or equivalent qualifications.
• Experience :
• 2-3 years for Consultant Level.
• 3-5 years for Senior Consultant Level.
• Experience working in a sizeable consulting firm or Big 4 or industry is preferred.
• Strong understanding of audit methodologies, risk management frameworks, and IFC requirements.
• Familiarity with regulatory standards (e.g., SOX, COSO, Companies Act).
• Proficiency in using audit and risk management tools, ERP systems (SAP, Oracle), and analytics platforms.
• Exceptional analytical, problem-solving, and communication skills.

Key Competencies

• Strong project management and multitasking abilities.
• Ability to work with diverse client industries and deliver customized solutions.
• High professional integrity and ethical standards.
• Strong interpersonal skills for client interactions and stakeholder management.
• Ability to work in a fast-paced, dynamic consulting environment.

Preferred

• Experience in a SaaS-based control assessment environment.
• Certifications such as CISA, CRMA, or other relevant qualifications.
• Knowledge of AI and data-driven auditing tools.
• Exposure to multinational clients or global compliance frameworks.

Why Join Us?

• Opportunity to work with leading clients across industries.
• Exposure to cutting-edge tools and technologies in risk and compliance.
• Collaborative and growth-driven work environment.
• Professional development opportunities, including certifications and training.

Industry

• Business Consulting and Services

Employment Type

Full-time

• Develop, implement, and refine credit risk policies and procedures in alignment with regulatory requirements and business objectives.
• Monitor and analyze the credit risk of the institution's loan portfolio, identifying potential risks and trends.
• Conduct comprehensive credit analysis for large corporate clients, including financial statement analysis, cash flow projections, and industry risk assessment.
• Develop and manage credit scoring models and risk rating methodologies.
• Set credit limits and exposure guidelines for various client segments and products.
• Oversee the process of loan origination, review, and approval, ensuring adherence to credit policies.
• Manage the early warning system for potential credit deterioration and implement mitigation strategies.
• Prepare detailed credit risk reports for senior management, the board of directors, and regulatory bodies.
• Collaborate with business development teams to assess the creditworthiness of new clients and opportunities.
• Stay informed about economic conditions, industry trends, and regulatory changes impacting credit risk.
• Lead and mentor a team of credit analysts and risk officers.
• Conduct periodic stress testing of the credit portfolio.

• Master's degree in Finance, Economics, Business Administration, or a related quantitative field.
• Minimum of 8 years of experience in credit risk management, corporate banking, or a related financial services role.
• Strong understanding of credit risk assessment techniques, financial statement analysis, and cash flow modeling.
• Proven experience in developing and implementing credit policies and procedures.
• Knowledge of Basel Accords and other relevant banking regulations.
• Experience with credit risk modeling, including probability of default (PD), loss given default (LGD), and exposure at default (EAD) estimation.
• Proficiency in financial analysis software and tools.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong leadership, communication, and interpersonal skills, with the ability to influence stakeholders.
• Experience managing a team is essential.
• Ability to work effectively in a demanding and dynamic environment.

• Drive portfolio level analytics to assess credit quality, risk concentrations, underwriting trends and alignment with risk frameworks.
• Enable thematic reviews and early risk identification by applying analytical techniques to structured and unstructured data.
• Design and oversee development of dashboards, visualizations, and automated tools to support review execution and reporting including executive level.
• Collaborate closely with credit reviewers, and cross functional stakeholders to frame analytic approaches, interpret results and co-develop narratives.
• Ensure analytics are well documented, repeatable and governed in line with internal standards and governance protocols.

What impact will you make?

Every day, your work will make an impact that matters, while you thrive in a dynamic culture of inclusion, collaboration and high performance. As the undisputed leader in professional services, Deloitte is where you’ll find unrivaled opportunities to succeed and realize your full potential

Deloitte is where you’ll find unrivaled opportunities to succeed and realize your full potential.

The Team

Discover the various Financial Risk services, we offer to help organizations across the full life cycle of financial transaction. From governance and processes to technology and reporting, our services can enhance transparency, efficiency, compliance and financial integrity.

Work you’ll do

As a AM/DM in our team you’ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations.

Required skill set:

• ECL Computation
• Credit Risk
• IFRS9
• PD, EAD, LGD

Job Purpose

Within the practice, the group is designed to take a risk based approach help clients improve performance and operating efficiency. We work closely and collaboratively with our clients, providing the full range of services. Supporting them to be effective and efficient through usage.

Key Job Responsibilities:

· Understand business requirements

• Data Analytics, SAS, Python

• Credit Risk

• IFRS9, PD, EAD, LGD

Qualifications

• Graduates with relevant experience can also be considered.
• M.Sc.IT, MBA, M.Tech, MCA, Any PG

Your role as a leader

At Deloitte India, we believe in the importance of leadership at all levels. We expect our people to embrace and live our purpose by challenging themselves to identify issues that are most important for our clients, our people, and for society and make an impact that matters.

In addition to living our purpose, Deputy Managers across our organization:

• Builds own understanding of our purpose and values; explores opportunities for impact
• Demonstrates strong commitment to personal learning and development; acts as a brand ambassador to help attract top talent
• Understands expectations and demonstrates personal accountability for keeping performance on track
• Actively focuses on developing effective communication and relationship-building skills
• Understands how their daily work contributes to the priorities of the team and the business

How you’ll grow

At Deloitte, our professional development plan focuses on helping people at every level of their career to identify and use their strengths to do their best work every day. From entry-level employees to senior leaders, we believe there’s always room to learn. We offer opportunities to help build world-class skills in addition to hands-on experience in the global, fast-changing

business world. From on-the-job learning experiences to formal development programs at Deloitte University, our professionals have a variety of opportunities to continue to grow throughout their career. Explore Deloitte University, The Leadership Centre.

Benefits

At Deloitte, we know that great people make a great organization. We value our people and offer employees a broad range of benefits.

Learn more about what working at Deloitte can mean for you.

Our purpose

Deloitte is led by a purpose: To make an impact that matters .

Every day, Deloitte people are making a real impact in the places they live and work. We pride ourselves on doing not only what is good for clients, but also what is good for our people and the communities in which we live and work—always striving to be an organization that is held up as a role model of quality, integrity, and positive change.

Learn more about Deloitte's impact on the world

Recruiter tips

We want job seekers exploring opportunities at Deloitte to feel prepared and confident. To help you with your interview, we suggest that you do your research: know some background about the organization and the business area you’re applying to.

Check out recruiting tips from Deloitte professionals.

• Analyze financial statements, credit reports, and other relevant data to assess the credit risk of individual and corporate borrowers.
• Develop, implement, and maintain credit scoring models and risk assessment frameworks.
• Prepare comprehensive credit reports and recommendations for loan applications, outlining potential risks and mitigation strategies.
• Monitor the credit quality of the existing loan portfolio, identifying potential problem loans and implementing proactive measures.
• Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
• Collaborate with loan officers and other stakeholders to gather necessary information and provide expert advice on credit decisions.
• Conduct regular reviews of loan covenants and financial performance of borrowers.
• Assist in the development and refinement of credit policies and procedures.
• Stay informed about economic conditions, industry trends, and regulatory changes that may impact credit risk.
• Contribute to stress testing and scenario analysis for the credit portfolio.

• Conducting comprehensive credit analysis of corporate and retail clients, including financial statement analysis, ratio analysis, and cash flow projections.
• Evaluating loan applications, credit proposals, and risk assessments.
• Monitoring the credit performance of existing portfolios and identifying potential risks.
• Developing and implementing credit scoring models and risk assessment tools.
• Preparing credit reports and recommendations for senior management and credit committees.
• Ensuring compliance with internal credit policies and regulatory guidelines.
• Staying informed about industry trends, economic conditions, and regulatory changes that may impact credit risk.
• Working closely with relationship managers and other departments to understand client needs and manage risks.
• Performing stress testing and scenario analysis on the credit portfolio.
• Contributing to the continuous improvement of credit risk management processes.

• Analyze financial statements, credit reports, and other financial data to assess the credit risk of individuals and businesses.
• Develop and apply credit scoring models and risk assessment methodologies.
• Monitor the credit portfolio for potential risks and take proactive measures to mitigate them.
• Prepare comprehensive credit reports and recommendations for loan approvals or rejections.
• Ensure compliance with internal credit policies, regulatory requirements, and industry best practices.
• Conduct ongoing monitoring of existing credit facilities and identify early warning signs of default.
• Communicate credit decisions and risk assessments to loan officers and management.
• Stay informed about economic conditions and industry trends that may impact credit risk.
• Assist in the development and refinement of credit policies and procedures.
• Perform stress testing and scenario analysis on the credit portfolio.
• Collaborate with other departments, such as sales and legal, to manage credit risk effectively.
• Maintain accurate and organized records of credit analyses and decisions.
• Identify opportunities for process improvements in credit risk management.
• Prepare reports on portfolio quality and risk exposures for senior management.
• Train junior analysts on credit assessment techniques and risk evaluation.

• Bachelor's degree in Finance, Economics, Statistics, or a related quantitative field.
• Proven experience in credit analysis, risk management, or a similar role within the banking or financial services sector.
• Strong understanding of financial statements, accounting principles, and credit analysis techniques.
• Proficiency in statistical analysis and modeling.
• Experience with credit risk software and databases.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills, with the ability to present complex information clearly.
• Detail-oriented with a high degree of accuracy.
• Ability to work independently and collaboratively in a hybrid work environment.
• Knowledge of the financial regulations relevant to Indore, Madhya Pradesh, IN .

• Analyze financial statements, credit reports, and other financial data to assess the creditworthiness of individuals and businesses.
• Develop and maintain credit scoring models and risk assessment frameworks.
• Monitor the credit performance of existing loan portfolios and identify potential risks.
• Make recommendations on loan applications, including approval, denial, or modification of terms.
• Prepare comprehensive credit reports and present findings to senior management and lending committees.
• Stay updated on industry trends, economic conditions, and regulatory requirements affecting credit risk.
• Collaborate with loan officers and other departments to ensure effective risk management practices.
• Conduct portfolio stress testing and scenario analysis.
• Assist in the development and implementation of credit policies and procedures.
• Ensure compliance with all relevant banking regulations and internal controls.

• Bachelor's degree in Finance, Economics, Accounting, or a related quantitative field.
• Minimum of 3 years of experience in credit analysis, risk management, or a similar role within the financial services industry.
• Strong understanding of financial statement analysis and accounting principles.
• Proficiency in data analysis tools and techniques; experience with SQL and/or statistical software (e.g., R, Python) is highly desirable.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication skills.
• Ability to work effectively both independently and as part of a team.
• Familiarity with credit risk modeling and regulatory frameworks (e.g., Basel norms).