Job Description
Annual Review (FIG) - Financial Institution Group - Analyst/Senior/Lead Analyst
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nCandidates with 0-60 days' notice period are preferred
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nKey Performance Indicators (KPIs)
nFor Financial Institutions (Banks, NBFCs, Insurance Companies)
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- Monitoring of capital adequacy ratios (CET1, Tier 1)n
- Assessment of asset quality indicators (NPA ratios, cost of risk)n
- Evaluation of liquidity metrics (Liquidity Coverage Ratio)n
- Analysis of profitability indicators (ROA, ROE, NIM)n
- Monitoring of leverage ratios and balance sheet strengthn

nFor Public Finance / Government Entities
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- Analysis of revenue stability and diversificationn
- Evaluation of operating surplus / deficit positionsn
- Monitoring of debt burden metrics (Debt / Revenue)n
- Assessment of interest coverage and fiscal sustainabilityn
- Review of liquidity position and cash balancesn
- Tracking of budget vs actual performance and capex executionn

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nSections Covered in Annual Credit Review Report
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- Executive Summaryn
- Summary of credit profile,



rating action, and key developmentsn
- Entity Overviewn
- Business model (FIG) or governance structure (Public Finance entity)n
- Operating Performance Analysisn
- Earnings profile (FIG) or fiscal performance (Public Finance)n
- Asset Quality and Portfolio Analysis (FIG-specific)n
- Review of loan book composition, sector exposures, and NPA trendsn
- Capital and Leverage Analysisn
- Assessment of capital buffers and debt sustainabilityn
- Liquidity and Funding Profilen
- Evaluation of funding mix, reliance on wholesale markets, or treasury positionn
- Regulatory and Policy Settingn
- Analysis of regulatory framework and government support mechanismsn
- Peer Benchmarkingn
- Comparative analysis against industry peers or similar public entitiesn
- Risk Assessmentn
- Identification of systemic, fiscal, and institution-specific risksn
- Rating Recommendation and Rationalen
- Final c

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