Senior Credit Analyst - FinTech

What You'll Do:

- Liaison with credit rating agencies, build relationship with the rating agencies and continuously assist with the credit rating of our regulated investment products

- To assess credit risk analysis for structured debt investment opportunities by analysing the underlying pool, by performing quantitative risk analysis (comprising default scenario analysis, sensitivity analysis for stress testing loans repaymentcapabilities, cash flows simulations, etc.) and analyzing the waterfall of the debt structure and associated collaterals

- Evaluating the creditworthiness of potential leasing partners and underlying obligors in securitized debt transactions

- Risk assessment of new and existing partners, based on research and evaluation of financial, operational and other parameters

- Prepare detailed credit memo and discuss the outcome of the credit evaluation process for every new / existing partner with the Credit Committee. Highlight observations, red flags and key issues along with the decision rationale.

- Evaluate timely collections from existing partners by coordinating with different teams and highlighting cases of delayed payments to the partner excellence team

- Monitor portfolio of existing partners periodically based on their most recent financial and operational information

- Perform ad hoc analysis and projects as requested depending on the needs of the business

- Continuously develop and polish skills useful for the role by attending trainings,informative webinars, etc.

- We are looking for an experienced CA / MBA / CFA / M.Com / MSc Finance with 4 to 5 years of experience in quantitative credit risk analysis and with good interpersonal skills.

- Candidates based out of Delhi-NCR and having work experience with a Tier 1 credit rating agency will be preferred.

Qualifications / Skills:

- CA / MBA / CFA / M.Com / MSc Finance with 4+ years of relevant post-qualification experience

- Understanding of structured debt products and securitization of pool of assets

- Credit risk modelling including quantitative risk analysis, scenario analysis (including but not limited to Monte Carlo Simulation), calculation of default probabilities, relative value analysis and assessment of key credit quality determinants

- Undertaking rigorous credit risk analysis encompassing industry / business research & financial analysis of various mid and large corporates

- Experience in analysing financial and operational information such as financial statements, MIS, operational KPIs, etc. including but not limited to analysis based on financial ratios

- Excellent verbal and written communication abilities across all level of organization

- Dedicated individual with a zeal to drive and achieve results

- Working knowledge of machine learning, Python and Microsoft Office (MS Excel, MS Word, MS Powerpoint, etc.)

- Attention to detail