Global Banking & Markets - Trade Analytics - Analyst - Bengaluru

About Goldman Sachs

At Goldman Sachs, we connect people, capital and ideas to help solve problems for our clients. We are  a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. For us, it’s all about bringing together people who are curious, collaborative and have the drive to make things possible for our clients and communities.

Global Banking & Markets

Our core value is building strong relationships with our  institutional  clients, which  include financial service providers, and fund managers. We help them buy and sell financial products exchanges around the world, raise funding, and manage risk.  This is a dynamic,  entrepreneurial with a passion for the markets, with individuals who thrive in fast-paced, changing environments and energized by a bustling trading floor.

Business Unit / Role Overview

Loan Management primarily supports the Global Banking & Markets Division at Goldman Sachs. This team is responsible for overseeing and facilitating due diligence at both the deal and asset levels for financing, asset management, and sales/securitizations of various loan portfolios across the US, EMEA, and APAC regions. The US/EMEA/APAC Mortgage desk is involved in market-making for loan businesses and Asset-Backed Securities, with a focus on financing and advisory-related workstreams. This role places Loan Management at the core of the evolving banking and capital markets landscape, designing strategies for Goldman Sachs to be a long-term participant in these new capital flows.

Loan Management is currently seeking an Analyst to support the US and EMEA loans business. The successful candidate will be responsible for trade closing analytics, quantitative analysis related to pre-trade collateral analytics and valuation, and ongoing post-trade asset management of loan portfolios. Additionally, the role involves ensuring the integrity, definition, structure, and unity of purpose of data within Goldman Sachs' system of record.

Job Responsibilities

• Analyze client portfolios, including Residential and Commercial Real estate Mortgages, and various Consumer Loans (e.g., Student, Credit Card, Auto, Personal). This involves data extraction, quality checks, portfolio segmentation based on key collateral characteristics, and data stratification.
• Learn and apply Discounted Cash Flow/ internal loan pricing models for potential financing or advisory purposes.
• Provide insightful commentary on collateral performance and key valuation drivers. Estimate credit losses using existing valuation models and rating agency models and summarize the output for Desks and Client presentations.
• Ensure the accuracy of data underlying all analytics, including timely verification of deal-related documents.
• Participate in transaction management activities for both new and existing positions.
• Interface with Loan Servicers, Controllers, Operations, Risk, and other relevant teams to ensure accurate data capture and flow to relevant systems.
• Coordinate with Technology and internal departments to develop new vendor data feeds and enhance internal databases. Manage the file load process for vendor data feeds.
• Manage and create data quality control checks for internal databases and resolve issues through analytic research.
• Automate repetitive tasks using industry-standard tools.
• Assist the mortgage and consumer desk in obtaining market securitization insights.
• Manage P&L aspects of book portfolios for multiple mortgage desks.
• Fulfill ad hoc requests from stakeholders.
• Provide portfolio analytics periodically or on-demand.

Basic Qualifications

• Strong academic background with 2-3 years of related experience in finance, business, math, statistics, or accounting, and a minimum GPA equivalent of 3.0.
• Highly motivated self-starter with strong mathematical, logical reasoning, and analytical skills.
• Attention to detail and the ability to prioritize workload and manage expectations until project completion.
• Demonstrated ability to be a strong team player, collaborating effectively within and across teams.
• Excellent communication skills, capable of conveying technical concepts clearly and concisely, and managing internal and external relationships.
• Proactive thinker who anticipates questions, plans for contingencies, finds alternative solutions, identifies clear objectives, and makes defensible judgments regarding workflow.
• Ability to see the big picture and effectively analyze complex issues.
• Preferred experience in mortgage banking, fixed income products, bonds/loans, or other financial industry sectors. US/EMEA/APAC experience is an added advantage.
• Up-to-date with emerging business, economic, and market trends.
• Proficient in Excel and SQL. Knowledge of coding languages such as Python (pandas/NumPy).
• Understanding of database objects and data structures.
• Experience working with large data sets is a plus.
• Experience in using tools like CAS, Tableau, PowerBI, Alteryx will be good
• Ability to work under tight time constraints and extended hours as required.
• Strong project management and organizational skills.
• Candidates with certifications like CFA or FRM are preferred.

About Goldman Sachs

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. We're 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. 

We’re 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

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Goldman Sachs is an equal employment/affirmative action employer