Credit Analyst

Overview

Evaluate and monitor the creditworthiness of investment grade corporations, primarily financial institutions, and present credit opinions and internal rating recommendations to the Rating Committee.

What you'll do

• Conduct fundamental credit research of investment grade corporate credits, primarily financial institutions (banks), assessing financial data, company filings, industry trends and market conditions.
• Perform ongoing surveillance and monitoring of assigned credits, which may include Asset Backed Commercial Paper (ABCP) and Asset Backed Securities (ABS).
• Provide timely credit research and financial analysis in response to trading and portfolio management proposals for new-issue and secondary investment opportunities.
• Make presentations to the Rating Committee with credit opinions and internal rating recommendations.
• Identify developing credit concerns before they negatively impact the portfolios, and identify potential additions to the Approved List.
• Ensure consistency of the credit research process while seeking ongoing enhancements and efficiencies that meet the needs of all stakeholders.
• Perform exposure analysis and credit risk measurement.
• Manage significant amounts of data and support database design and management for credit research, ratio and trend analyses, and management reporting.
• Undertake ad hoc credit risk projects as required.

What you'll need

• 3 to 5 years' experience in credit analysis within the investment, banking, or insurance industries.
• Bachelor's degree in Economics, Accounting, Finance or a related field.
• Keen eye for detail and a deep understanding of financial markets.
• Excellent qualitative and quantitative financial analysis skills.
• Ability to leverage tools such as Excel and Bloomberg to drive efficient credit monitoring.
• Experience with risk management principles and techniques such as VaR and Stress Testing.
• Proven database skills.
• Outstanding people skills with the ability to convey credit opinions and concerns effectively and efficiently.
• Critical thinker who can work independently with minimal supervision and also collaborate as part of a team.
• Strong work ethic with the ability to prioritize and manage multiple responsibilities.
• Ability to work proactively with portfolio managers and other key stakeholders.
• Strong interpersonal, oral and written communication and collaboration skills with all levels of management.
• Strong organizational skills, including the ability to adapt to shifting priorities and meet frequent deadlines.
• Proactive approach to problem-solving with strong judgment and decision-making capability.
• Ability to act with discretion and maintain complete confidentiality.

Nice to have

• MBA or CFA designation.

Details

• Location: Mumbai office, Goregaon (East), Mumbai.
• Reporting to: Director, Investment Risk.
• Shift: EMEA, 1:30 pm to 10:30 pm IST.
• Works 5 days a week, Monday to Friday, with varying shifts to accommodate global time zones.