Job Description
Divisional Overview
The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. Whether assessing the creditworthiness of the firms counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firms success. The division is ideal for collaborative individuals who have strong ethics and attention to detail.
Department Overview
Credit Risk (CR) is responsible for managing the firms credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firms risk appetite. Staffed with more than 300 professionals, CR operates through 11 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment.
Credit Research Group
Credit Research Group plays a key role in assessing the credit and financial strength of corporate, financial institution, and sovereign counterparties by performing fundamental credit analysis through writing research reviews (covering both the counterparty and industry in which the counterparty transacts). This team is also responsible for the ongoing surveillance of all corporate/financial institution/sovereign counterparties, assignment of internal credit ratings, and participation in regulatory exams.
Responsibilities
RESPONSIBILITIES AND QUALIFICATIONS
Performing Counterparty Analysis And Risk Management
- Assess the credit and financial strength of the firms corporate borrowers and counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors
- Review and provide recommendations for loan transactions, determine appetite and regulatory ratings, monitor credit trends in the portfolio, perform distressed analysis and estimate potential impairments
- Analyze the credit implications on corporate clients of various financial transactions including debt, equity and hybrid offerings, mergers and acquisitions, restructuring and share repurchases
- Build and maintain financial projection models
- Present findings and recommendations to senior leadership and answer questions relating to analysis performed
- Monitor counterparties for changes in creditworthiness and take appropriate action
- Spreading historical and projected financials in Credit systems and performing analysis including peer comparison to identify and document trends and anomalies necessary in assessing creditworthiness
- Coordinate with global colleagues in GS Risk teams as well as with other divisions
- Support key Risk governance and approval committees
- Minimum Bachelors degree in business or finance, Masters preferred
- 3-6 years of experience in a related corporate credit risk role with experience in credit analysis, ratings analysis, corporate finance and/or research desired
- Functional background or relevant experience in finance and accounting
- Highly motivated with strong academic background
- Team player with an ability to work effectively with colleagues in other regional offices
- Flexibility, ability to learn quickly
- Strong organizational skills and the ability to manage multiple assignments concurrently
- Familiarity with regulatory rating requirements and application of such guidance is preferred
- Strong analytical, presentational and communication skills require
At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world.
We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers.
Were committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html
Skills
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About Company
Goldman Sachs India Careers 2025
Goldman Sachs is a leading global investment banking, securities, and investment management firm, renowned for advising corporations, governments, and institutions on strategic transactions, capital raising, and risk management. Founded in 1869 and headquartered in New York, Goldman Sachs established its India presence in 2004 with offices in Bengaluru, Hyderabad, and Mumbai. The India operations serve as both a front‑office hub for client coverage and a global capability center for engineering, risk, and operations.
Business Model – Goldman Sachs operates across four primary segments: Investment Banking, Global Markets, Asset & Wealth Management, and Platform Solutions. Its B2B revenue model is driven by advisory fees, trading revenues, asset management fees, and lending income. In India, the firm combines client‑facing deal teams with global service delivery, leveraging deep domain expertise in M&A, capital markets, quantitative research, and technology engineering to support global mandates.
Recent Wins & Recognition –
- In 2024, Goldman Sachs was awarded Platinum‑level Champion in WEConnect International’s Top Global Champions for Supplier Diversity & Inclusion, recognising its leadership in inclusive procurement. (https://www.goldmansachs.com/our-firm/sustainable-finance/our-operational-impact/historical-milestones-awards-and-recognitions)
- The firm opened its new LEED Platinum and WELL Platinum certified Hyderabad campus, reinforcing its commitment to sustainable operations and employee well‑being. (https://www.goldmansachs.com/our-firm/sustainable-finance/our-operational-impact/historical-milestones-awards-and-recognitions)
- Goldman Sachs accelerated its generative AI initiatives, developing over a dozen projects including natural‑language code generation and automated documentation tools. (https://economictimes.indiatimes.com/topic/goldman-sachs-generative-ai-projects/news)
- FY‑2024 results saw net income jump +67.6% and a 33% dividend increase, alongside a rebound in M&A advisory activity in 2025. (https://www.monexa.ai/blog/goldman-sachs-ai-strategy-m-a-challenges-and-divid-GS-2025-03-24)
Culture & Values – Goldman Sachs is anchored by its Business Principles, which emphasise client service, excellence, integrity, and teamwork. The firm fosters a high‑performance culture with a strong focus on meritocracy, continuous learning, and diversity & inclusion. In India, employees benefit from global mobility programs, mentorship networks, and community engagement initiatives such as 10,000 Women and 10,000 Small Businesses.
Client‑Facing & Internal Domains – Goldman Sachs India
Investment Banking
What it is – Advisory on mergers, acquisitions, restructurings, and capital raising. India‑based roles include:
- M&A Advisory – Deal structuring, valuation, and negotiation support.
- Equity & Debt Capital Markets – IPOs, bond issuances, and syndications.
- Strategic Advisory – Cross‑border transactions and shareholder activism defense.
Global Markets
What it is – Sales, trading, and market‑making in equities, fixed income, currencies, and commodities. India‑based roles include:
- Trading & Structuring – Derivatives, structured products, and hedging solutions.
- Sales & Client Coverage – Institutional client relationship management.
- Quantitative Research – Pricing models, risk analytics, and algorithmic strategies.
Asset & Wealth Management
What it is – Investment management for institutions, high‑net‑worth individuals, and retail clients. India‑based roles include:
- Portfolio Management – Multi‑asset strategies and ESG integration.
- Research & Analytics – Equity, credit, and macroeconomic research.
- Client Advisory – Wealth planning and customised investment solutions.
Platform Solutions & Engineering
What it is – Technology‑driven financial products and operational platforms. India‑based roles include:
- Transaction Banking – Digital cash management and payments.
- Consumer Platforms – Credit cards, lending, and digital finance products.
- Engineering & AI – Software development, data engineering, and generative AI projects.
Internal Functions
What it is – Corporate services that enable global operations. India‑based roles include:
- Risk Management – Credit, market, and operational risk oversight.
- Compliance & Legal – Regulatory adherence and policy governance.
- Finance & Operations – Treasury, accounting, and trade settlement.
Important dates & deadlines?
Application Deadline
16 Oct 26, 01:34 PM IST
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Risk - Credit Risk - Associate - Bengaluru
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