Credit Risk Specialist

About the Role

KPMG India is hiring a Credit Risk Specialist to support credit analysis, portfolio oversight, and broader risk and control activities for client portfolios. The role sits within a fast-moving professional services environment and calls for strong collaboration across business, risk, and regional stakeholders.

KPMG entities in India operate as professional services firms affiliated with KPMG International Limited. Established in India in August 1993, the firm works across local and international markets with a focus on industry-led, technology-enabled delivery. Its footprint spans Ahmedabad, Bengaluru, Chandigarh, Chennai, Gurugram, Jaipur, Hyderabad, Kochi, Kolkata, Mumbai, Noida, Pune, Vadodara, and Vijayawada.

Why Join KPMG India

• You will be part of an energetic environment that values new ideas and innovation.
• The organization offers learning support, mentoring, and room for career growth.
• Benefits are stated to include competitive compensation and health coverage, among other offerings.

Key Responsibilities

• Own delivery of BCO activities for a client portfolio in line with agreed OKRs, SLAs, and KPIs, including a portion of moderate-to-high complexity accounts that may take up around 30% of available time.
• Lead the complete CCM process so that internal and external stakeholders experience a smooth, efficient workflow.
• Coordinate with regional heads, WMR, and other stakeholders to close out optimization and transformation work effectively.
• Set up, guide, and manage a largely ODC-based team, including workflow allocation, capability building, and timely delivery of the BCO model.
• Improve team productivity while strengthening the client experience at the same time.
• Support technology and digital adoption initiatives, aligned to a globally consistent C&L operating model.
• Review customer and stakeholder feedback regularly and turn insights into actions that improve outcomes.
• Work with the Head of BCO COE to escalate and resolve CCM-related risks and issues with country, regional, and global stakeholders.
• Partner with senior management and Regional Sustainability Champions on net-zero transition initiatives and other strategic programs across BCO teams.
• Continuously enhance credit analysis processes to ensure a consistently high standard of work.
• Build trusted working relationships across teams and maintain credibility with both business and risk partners.
• Develop and sustain a diverse, innovative, and engaged BCO team.
• Join client or credit-risk discussions when required.
• Act as a first line of defense and ensure that controls are followed to protect the bank.
• Identify current and emerging risks across industry, portfolio, diversification, sovereign, commercial, currency, and other dimensions; work with WCRM and business leaders to adjust underwriting criteria and carry out rapid portfolio reviews.
• Maintain constructive, balanced dialogue with risk partners that supports both commercial objectives and risk discipline.
• Ensure the right credit risk controls and management information are embedded in operational processes and tracked against agreed thresholds.
• Handle talent management, performance management, and succession planning where applicable.
• Coordinate with other USA co-leads to deliver CCM/BCO goals smoothly.
• Run regular team exchanges and ensure action plans are created and executed for issue resolution.
• Promote a strong compliance culture across the BCO team in line with Group Compliance Policy.

Knowledge and Experience

• A Chartered Accountant, master’s degree in Business, Finance, Economics, or an equivalent qualification is required; a CFA, Chartered Banker, or similar professional credential is preferred.
• Where formal qualifications are not available, substantial experience in credit analysis or credit approvals may be considered.
• Solid experience managing loan portfolios is necessary.
• Experience leading senior stakeholders and contributing to organizational design and strategic planning is expected.
• Investment banking knowledge is mandatory, including exposure to securities, treasury, foreign exchange, derivatives, ESG, and climate risk.
• Strong credit risk management and control assessment capability is required.
• Excellent analytical and problem-solving ability is needed, along with the skill to summarize customer feedback and identify priority areas.
• Hands-on expertise in credit underwriting is required, including preparing and reviewing wholesale lending proposals while following internal policy and regulatory requirements.
• You should be able to structure credit proposals covering the business model, risks and mitigants, financial analysis, industry analysis, forecasting, cash flow modelling, risk rating, and business recommendations.
• Strong financial statement analysis, cash flow modelling, and stress-testing skills are essential.
• Experience monitoring credit exposure across varied portfolios and putting effective risk mitigation measures in place is required.
• Good communication, analytical, and presentation skills are mandatory.
• The hiring process is expected to include 2 to 3 rounds of personal or telephonic interviews.
• Selected candidates are expected to join within 30 days or immediately.

Additional Information

This opportunity is suited to professionals who can balance commercial thinking with risk discipline, contribute to operational excellence, and help strengthen compliance and control standards across credit-related activities.

About the Opportunity

The role is designed for someone who can contribute to a dynamic advisory environment and work closely with both business and risk teams on portfolio oversight, credit decisioning, and process improvement.