Credit Analyst

AUM Capital, a premier financial brand, is seeking to add an accomplished and motivated individual to our team a Credit Analyst, to its rapidly growing Wealth Management business. AUM is the largest distributor of Mutual Fund products in Eastern India, with panIndia presence in more than 10 locations. Managing assets of more than Rs. 15,000 Crs, we cater to Large Corporates treasuries, Financial Institutions, Provident Funds, Endowments and HNI/UHNIs across the country. For more information on us, please visit www.aumcap.com

Job Summary

AUM Capital Market Pvt. Ltd. is looking for a Credit Analyst to strengthen our credit research and risk evaluation vertical.

The ideal candidate will be responsible for evaluating credit risk across corporate and financial borrowers, preparing credit notes, and providing insights into investment-grade fixed-income products.

The primary responsibilities of a Credit Analyst will be to:

 Conduct in-depth credit analysis of corporates, NBFCs, banks, and infrastructure projects.

 Review and analyze financial statements,



management discussion & analysis (MD&A;), cash flow trends, debt servicing ability, and key risk indicators.  Independently prepare credit appraisal memos with detailed ratings rationale and outlook.

 Evaluate credit ratings from agencies such as CRISIL, ICRA, CARE, etc., and interpret rating rationales.

 Monitor industry trends and macroeconomic indicators that impact issuer risk.

 Work closely with fixed-income investment teams and provide credit inputs for bond/CP investments.

 Assist in portfolio surveillance, trigger event analysis, and updating internal risk scoring models.

 Ensure compliance with internal credit policies and SEBI/RBI regulatory norms.

Qualifications & Skills

 Education: MBA (Finance) / CFA (preferred but not Mandatory).

 Experience: 2.5–5 years of experience in credit analysis roles, preferably from CRISIL, ICRA, CARE, India Ratings, Brickwork, or similar ratin

📌 Credit Analyst-Kolkata only
🏢 AUM Capital Market Private
📍 Kolkata