Annual Review (FIG) - Financial Institution Group - Analyst/Senior/Lead Analyst

Candidates with 0-60 days' notice period are preferred!

Key Performance Indicators (KPIs)
For Financial Institutions (Banks, NBFCs, Insurance Companies)
Monitoring of capital adequacy ratios (CET1, Tier 1)
Assessment of asset quality indicators (NPA ratios, cost of risk)
Evaluation of liquidity metrics (Liquidity Coverage Ratio)
Analysis of profitability indicators (ROA, ROE, NIM)
Monitoring of leverage ratios and balance sheet strength
For Public Finance / Government Entities
Analysis of revenue stability and diversification
Evaluation of operating surplus / deficit positions
Monitoring of debt burden metrics (Debt / Revenue)
Assessment of interest coverage and fiscal sustainability
Review of liquidity position and cash balances
Tracking of budget vs actual performance and capex execution

Sections Covered in Annual Credit Review Report
Executive Summary
Summary of credit profile, rating action, and key developments
Entity Overview




Business model (FIG) or governance structure (Public Finance entity)
Operating Performance Analysis
Earnings profile (FIG) or fiscal performance (Public Finance)
Asset Quality and Portfolio Analysis (FIG-specific)
Review of loan book composition, sector exposures, and NPA trends
Capital and Leverage Analysis
Assessment of capital buffers and debt sustainability
Liquidity and Funding Profile
Evaluation of funding mix, reliance on wholesale markets, or treasury position
Regulatory and Policy Workplace
Analysis of regulatory framework and government support mechanisms
Peer Benchmarking
Comparative analysis against industry peers or similar public entities
Risk Assessment
Identification of systemic, fiscal, and institution-specific risks
Rating Recommendation and Rationale
Final credit opinion, including support assumptions and rating sensitivities

📌 Analyst/Senior/Lead Analyst (Gurugram)
🏢 Evalueserve
📍 Gurugram