Lead Analyst - Corporate Credit Analysis

KEY ROLES & RESPONSIBILITIES

• The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions.
• Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies
• The credit assessment process requires the following:
  • Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.
  • Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.
  • Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.
  • Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years).
  • Other activities include preparing industry databases and reports.
  • Preparing a detailed peer analysis on the operating and financial side.
• Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients
• The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances.
• Assist ADs/Director on pilot assignments and prepare collaterals.
• Engage with client teams proactively and suggest new ideas to enhance client engagement
• Support the client with any ad-hoc research requests including sector research
• Responsible for process initiatives and quality improvements of the team.
• Content review, mentor and train new hires in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

• Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics.
• Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.
• Willingness to be fungible across sectors and regions.
• Excellent report writing and communication skills.
• Ability to identify key characteristics and drivers of sectors assigned.
• Credit assessment and analysis (or financial analysis), including business, financial and management profiling.
• Experience in portfolio monitoring and credit analysis
• Good understanding of banking regulations, calculation of key credit metrics and capital ratios
• Reasonable understanding of banks internal systems  

PROBLEM SOLVING

• Identifies and resolves complex research issues and team problems
• Assist in solving complex problems related to financial modeling

INTERACTIONS

• Team player and good team handling skills
• Excellent client management skills

TYPICAL SCOPE & IMPACT

• Impacts the quality and effectiveness of own team

MINIMUM & PREFERRED EDUCATION

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

MINIMUM & PREFERRED EXPERIENCE / SKILLS

• 6 to 10 years of work experience
• High level of attention to detail and accuracy; Diligence and hard work
• Ability to work under stringent timelines
• Prior experience in credit research or credit risk assessment along with report writing experience is mandatory.
• Prior experience in GenAI, people and content management are a plus
• Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.
• Good understanding of MS office products