Role: Senior Rating Analyst - Credit Rating (LCG)

Business: Ratings

Department: Large Corporate Group- Corporate Sector

Experience: 2 to 4 years

Job Role: Independent handling of portfolio of Security Receipts rating across corporate and retail stressed loans

Functional Skills / Knowledge

- Technical:
- Good understanding of balance sheets, P&L; statements and cash flows. Ability to build future cash flows and assess debt repayment ability
- Robust understanding of stressed loans across key sectors like Real estate, Roads, Housing loans or any other retail loans.
- Ability to understand contractual agreements including financial covenants, clauses and their repercussions
- Knowledge of laws and regulations relating to stressed assets shall be added advantage

- Client Management / Stakeholder Management:

- Ability to assist team in meeting preparation covering analysis of past trends and future projections
- Undertake in-person meetings with senior management personnel at client side to discuss strategy, business and financial performance

- Writing and Presentation Skills:





- Writing detailed rating reports to explain the rationale behind the rating
- Making presentations to Crisil Ratings’ Rating Committee
- Preparation of sector notes
- Writing opinion pieces to cover developments / share outlook on various asset classes / sectors

- Regular Portfolio and Sector Monitoring

- Monitoring and tracking the financial performance on quarterly basis aside from event-based reviews
- Stay updated on the latest market developments and their implications

Candidate Profile

- Excellent oral and written communication skills primarily focused on managing client communication and report writing
- Ability to get execution of transactions under stringent timelines
- Has relevant experience in stressed assets management and recovery infrastructure
- Experience in handling CXO conversations at in-person meetings
- Proficient in GenAI prompt writing, MS-Excel, MS-Word, MS-Power Point

Education – CA/CFA / MBA

📌 Senior Rating Analyst, LCG Mumbai
🏢 Crisil
📍 Mumbai