Key Accountabilities
• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that department deliverables are met
• Ensure all regulatory reporting & compliances are enforced.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints
• Control the quality of the exposure, using available triggers and adherence to Risk management guidelines and policies
• Monitor and ensure adherence to risk service standards Job Duties & Responsibilities
• Providing concise and relevant financial analysis by clearly identifying risks
• Ensure reviews are completed prior to due date and are error free
• Identify new Issuers/Credits fulfilling the internal Investment guidelines
• Maintain database of Issuers & Credit proposals basis Financial results/Company specific updates
• Adhere to the risk management and regulatory guidelines of SEBI and RBI
• Control and manage the risk profile for the overall exposure
• Manage performance against key financial (risk-adjusted contribution)



sales, service and operational targets Required Experience
• Overall 2-5 years of experience in credit analysis, preferably having experience with credit analysis of Fixed Income clients – banks, and NBFCs.
• Knowledge of competitors and market Education / Preferred Qualifications CA / MBA Core Competencies Good written and verbal communication skills
• Valuable Analytical skills
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products
• Comfortable with tight deadlines
• Technical Competencies Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general
• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

📌 Credit Analyst-Fixed Income (Mumbai)
🏢 PhillipCapital India
📍 Mumbai