Crisil - Research Analyst - Credit Domain - IIM/ISB/MDI/FMS/CA

Job Description:

Role: Research Analyst (Credit Domain)

Division: GIX

Job role and responsibilities:

Analytical:

- Analyze the annual and quarterly financial statements of NBFC/MFIs and HFCs.

- Analyze the resource profile of the NBFC/MFI clients for details on interest, tenure, covenants, security, and structure of the lines from banks/DFIs.

- Analyze the asset quality of the portfolio at a product level, exposure bracket etc.

- Analyze the capital market transactions of the NBFC/MFIs.

- Analyze the securitized pool.

- Analyze the structure of co-lending tie ups.

- Cash flow analysis with comments on the projections.

Client Facing:

- Represent CRISIL while interacting with NBFC leadership, board, and officials (as part of diligent visits).

- Understand the business plans, key strategic levers, portfolio management plans etc.

- Understand and document the system, processes, and platforms for credit-risk management at NBFC/MFI.

Thought Leadership:

- Develop competency and deep domain in the NBFC/MFI sector.

- Draft research paper articles and thought leadership reports on NBFC sector.

- Develop capabilities to represent CRISILs credit research practices to industry forums, sessions with stakeholders (internal and external).

- Should be able to work on new and emerging areas in the NBFC sector and provide valuable insight to the clientele.

Candidate profile:

- Credit assessment professionals engaged with financial institutions credit assessment for a bank/NBFC in the FIG lending.

- 2-5 yrs of experience with hands-on understanding of credit ratios, financial spreading, asset quality indicators, portfolio analysis, liquidity and ALM assessment, regulatory compliances, audit report analysis etc. in the NBFC credit assessment domain.

- Understanding of the trends, industry structure and KFR in the NBFC sector.

Key Traits:

- Willingness to learn continuously, develop industry first practices on NBFC/MFI credit domain, leverage analytical tools (including AI, credit platforms at Crisil and internal knowledge ecosystem) to develop models and benchmarks relevant for the sector.

- Abilities to leverage the CRISIL ecosystem and connect the dots from macro to micro.

- Academic qualification: CA (preferred)/ MBA finance from Tier 1 institute

- Location: Crisil House, Central Avenue, Hiranandani Gardens, Powai, Mumbai, Maharashtra, India

- Education Qualification: CA/Masters of finance or equivalent

- Experience: 2 to 5 Years

Educational Qualification - CA/Masters of finance or equivalent