Credit Risk Analyst

Location : Mumbai/Pune/Gurgaon

KEY ROLES & RESPONSIBILITIES :

- The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions.

- The credit assessment process requires the following :

o Undertaking research and analysis of corporate entities 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 a detailed peer analysis on the operating and financial side.

o The task will also involves preparing and updating financial models for the credits which includes analysis of historic trends along with projecting the future performance.

o Other activities include preparing industry databases and reports.

- Establish and maintain consistent standards and processes in credit analysis through interaction with sector specialists and senior analysts

- The role may also require training and mentoring junior colleagues on specific aspects of credit risk, sector and domain nuances.

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE :

- Good in financial modelling with fair understanding of financial statements and accounting concepts

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

- Reasonable understanding of banks internal systems

PROBLEM SOLVING :

- Assist in solving complex problems related to financial modeling

INTERACTIONS ;

- Works within own team and interacts with other related teams

- Communicates with internal & external clients and/or issuers as necessary

TYPICAL SCOPE & IMPACT :

- Impacts the quality and effectiveness of own team

MINIMUM & PREFERRED EDUCATION :

- Master's degree or equivalent

MINIMUM & PREFERRED EXPERIENCE / SKILLS :

- 1 to 3 years of work experience

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

- Ability to work under stringent timelines

- Good understanding of MS office products