Job Description

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

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Candidates with 0-60 days' notice period are preferred

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Key Performance Indicators (KPIs)

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For Financial Institutions (Banks, NBFCs, Insurance Companies)

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- Monitoring of capital adequacy ratios (CET1, Tier 1)
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- Assessment of asset quality indicators (NPA ratios, cost of risk)
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- Evaluation of liquidity metrics (Liquidity Coverage Ratio)
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- Analysis of profitability indicators (ROA, ROE, NIM)
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- Monitoring of leverage ratios and balance sheet strength
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For Public Finance / Government Entities

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- Analysis of revenue stability and diversification
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- Evaluation of operating surplus / deficit positions
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- Monitoring of debt burden metrics (Debt / Revenue)
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- Assessment of interest coverage and fiscal sustainability
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- Review of liquidity position and cash balances
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- Tracking of budget vs actual performance and capex execution
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Sections Covered in Annual Credit Review Report

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- Executive Summary




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

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