Lead Analyst-

Work with team of onshore analysts to cover credit risk monitoring for Corporates portfolio

· Reviewing credit reports and financial models submitted by portfolio monitoring team based on fundamental analysis for a set of assigned credits/companies

· The credit assessment review requires the following:

o Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.

o Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.

o Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.

o Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years).

o Determine and recommend ratings to the entity based on the internal rating framework and methodology.

· Regular interaction with client to discuss reports as well as workflow





· Support the client with any ad-hoc research requests including sector research

· Engage with client teams proactively and suggest new ideas to enhance client engagement

· Train recent hires and mentor juniors in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

· Experience in deal financial modeling/ surveillance/ portfolio monitoring and credit analysis

Experience in working in credit risk divisions and understanding of review and challenge roles

· Good understanding of banking regulations, calculation of key credit metrics and capital ratios

· Reasonable understanding of banks internal systems

MINIMUM & PREFERRED EDUCATION

· MBA or CA or Master’s degree preferred; CFA certification is a plus

MINIMUM & PREFERRED EXPERIENCE / SKILLS

· 7-9 years of work experience preferable in credit risk/credit research

· High level of attention to detail and accuracy; Diligence and hard work

· Organization skills and the ability to manage and prioritize workload

· Good understanding of MS office products

Need early joiners

📌 Senior Research Analyst / Lead Analyst - Credit Analysis of Corporates (Mumbai)
🏢 Crisil
📍 Mumbai