Should I stay or switch jobs?

My end goal is LevFin, BB Corporate Banking, private credit, or corporate strategy

Current Job (Currently a junior credit analyst at Moody's/S&P)

• Higher pay than new offer (by 15%)

• Good culture and very understanding manager

• WFH flexibility and relatively easy work

• Generally, I would prefer to stay at my current job and wait for better opportunities (top banks); however, my current job is not very stable in my opinion. My company has begun outsourcing a lot of junior responsibilities to India, the Global Head of my group mentioned bloated teams and the possible need to restructure/shrink junior headcount, and I also don't have much work assigned unless I ask directly for work.

New Job (Also junior credit analyst at a big international but not top bank):

• Similar job responsibilities, just at a bank

• The pay for the new job is 15% lower than current pay

• This job was relatively easy to obtain (only one 30-minute interview), so I question whether that's a red flag I need to be concerned about.

• TBH, I only accepted the offer because my current job feels unstable, not because I was genuinely interested in the new job/company; If I go to the new job/company, I would not be able to switch to better jobs/opportunities for at least one year.