Job DescriptionKey Responsibilities
n● Source annual reports, audited financial statements, and interim financials from company websites, central bank portals, regulatory filings, and platforms such as Capital IQ.
n● Perform financial spreading — accurately entering balance sheet, income statement, and cash flow data into credit platforms such as Moody's Credit Lens or FactSet.
n● Compute and interpret key credit metrics: interest coverage, debt service coverage, leverage, liquidity, and profitability ratios (ROA, ROE, NIM), and — for banks — capital adequacy (Tier 1 / CET1), asset quality (NPL ratios, provisioning), and liquidity (LCR, NSFR).
n● Apply the CAMELS methodology for financial institutions and profitability/solvency/earnings analysis for corporate entities.
n● Conduct qualitative research: business model, products, market presence, ownership structure, and external ratings from S&P;, Moody's, and Fitch.
n● Perform covenant testing — verifying client compliance with defined financial thresholds and flagging breaches.
n● Draft clear,



well-structured credit review reports identifying the key drivers of changes in financial performance, for consumption by credit officers.
n● Complete financial institution reviews while meeting quality and turnaround SLAs.
n● Maintain review records and workflow status in systems such as Salesforce or equivalent credit workflow tools.
nQualifications
n● Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA (Finance), CA (Inter), CFA Level I/II.
n● 3–7 years of experience in credit analysis, counterparty risk, ratings support, or financial spreading — ideally within banking, KPO/credit research, or a rating agency environment.
n● Solid understanding of financial statements and bank/corporate financial ratios.
n● Hands-on exposure to at least one spreading or data platform: Moody's CreditLens, FactSet, Capital IQ, S&P; Capital IQ Pro, or equivalent.
n● Advanced Excel skills (financial models

📌 Credit Risk Specialist (Karnataka)
🏢 Straive
📍 Karnataka