Job DescriptionCredit Risk Analyst — Credit & Settlement Risk
NExperience: 3–7 years | Level: Analyst
NLocation: Bangalore, Hyderabad or Gurugram
NRole Summary
nThe Analyst executes annual and quarterly credit reviews of an assigned portfolio of financial institutions and corporate entities, producing high-quality financial spreads, ratio analyses, and credit reports that feed risk-rating decisions.
NKey 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 CreditLens 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 transparent, 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 recordsand 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 experiencein credit analysis, coun

📌 Credit Risk Specialist (Bengaluru)
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