About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our customers. Our Institutional bank helps our largest customers move trade and capital around the region, providing our people with great opportunities to build their technical expertise and their careers.

About the Role

Join ANZ's Research & Analysis (R&A) team supporting the India Corporate business. The team manages a large and diverse portfolio of Mid-Market Enterprise clients across sectors such as Retail, Manufacturing, Industrials, Media, Entertainment and other key industries.

As a Senior Associate, you will play a critical role in supporting relationship teams through high-quality credit analysis, proactive risk management, and end-to-end portfolio management. You will work closely with Relationship Managers, Credit teams, and key stakeholders to deliver balanced outcomes for both our customers and ANZ.

Role Type: Permanent
Role Location: Bengaluru

What will your day look like?

• Perform detailed credit and financial analysis for corporate clients.
• Prepare high-quality credit submissions, annual reviews and risk assessments.
• Assess client business models, capital structures, financial performance and industry dynamics.
• Drive end-to-end credit processes including risk grading, credit approval, documentation review and portfolio monitoring.
• Manage a large and diverse portfolio while ensuring timely execution of key risk and credit deliverables.
• Monitor portfolio quality in line with ANZ's well-managed principles, regulatory requirements and internal policies.
• Partner with Relationship Managers, Credit teams, Legal and other support functions on transaction and risk-related matters.
• Identify emerging risks and provide proactive recommendations to support informed decision-making.

What will you bring?

To be successful in this role, you will ideally bring:

• Chartered Accountant (CA), MBA Finance from a premier institution, or equivalent qualifications such as a Master's in Economics.
• 3-5 years of experience in Corporate Banking, Credit Risk, Portfolio Management, Commercial Banking, Credit Analysis, or Financial Analysis.
• Strong understanding of financial statements, credit fundamentals and risk assessment frameworks.
• Proven ability to analyse complex business and industry information and translate insights into clear credit recommendations.
• Excellent report writing and financial modelling capabilities.
• Strong stakeholder management and relationship-building skills.
• Ability to manage multiple priorities and deliver high-quality outcomes within tight timelines.

So why join us?

ANZ is a place where big things happen as we work together to provide banking and financial services across more than 30 markets. With more than 7,500 people, our Bengaluru team is the bank's largest technology, data and operations centre outside Australia. In operation for over 33 years, the centre is critical in delivering the bank's strategy and making an impact for our millions of customers around the world. Our Bengaluru team not only drives the transformation initiatives of the bank, it also drives a culture that makes ANZ a great place to be. We're proud that people feel they can be themselves at ANZ and 90 percent of our people feel they belong. 

We know our people need different things to be great in their role, so we offer a range of flexible working options, including hybrid work (where the role allows it). Our people also enjoy a range of benefits including access to health and wellbeing services.

We want to continue building a diverse workplace and welcome applications from everyone. Please talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirements, let us know how we can provide you with additional support.

To find out more about working at ANZ visit https://www.anz.com/careers/. You can apply for this role by visiting ANZ Careers and searching for reference number 125896

Job Posting End Date

23/10/2026, 11.59pm, (Melbourne Australia)