3 Risk Rating Jobs

Credit Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location - Gurgaon (Work from office) Role & responsibilities Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates. Managing a portfolio of clients and handling rating assignments. Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc). Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client. Preferred candidate profile Strong understanding of credit principles, policies and regulations. Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree. Excellent written & verbal communication skills and ability to build effective relationships with various stake holders. Ability to multi-task independently under tight timelines and eye for details. 3 - 10 years relevant experience

Credit Rating/ Analysis (Associate/ Sr. Associate/ Delivery Lead/ Manager) Job location- Bengaluru/ Gurugram (WFO mode) Job Purpose We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs. Key Responsibilities The candidate will perform credit risk assessment for General Corporate Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of large corporates Managing a portfolio of clients and handling rating assignments Financial Spreading (preferably on MCL Moodys Credit Lens or any other platform/MS Excel templates) Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.) Build forecast excel models (Projections and DCF models will be an added advantage) Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client Key Competencies 3-12 years relevant experience in credit review/ appraisal, credit rating, report writing, capital structure, EBITDA, leverage ratio & financial statement analysis for mid-large size corporates OR building financial model, LBO models, DCF/ relative valuations Good communication skills Ability to multi-task, priority setting and meeting deadlines The candidate should possess a highly analytical mind with an eye for detail, as well as a very high level of attention Clear and logical thinking to understand clients requirements

Job Description Risk Rating Unit Role: Team Member Risk Rating & Compliance Role Objective: Centralized unit independently validating the ratings for Corporate, SME, Business Banking, NBFC, MFIs, Brokers, and Bank Clients across the Bank. Reporting Authority: Head Risk Rating Unit Education: CA/ MBA/ CFA or equivalent from reputed institute Experience: 8 years of post-qualification experience preferably in Business or Credit Function of Bank/ NBFC Job Description: Internal rating validation for Corporate, SME, Business Banking, NBFC, MFI, Broker, and Bank Clients across the bank. Key activities include: Detailed review and understanding of credit (industry, business, financials, management) and credit ratings Preparation of rating rationale along with rationale for any changes in risk scores Review deviations to the Credit Policy of the Bank Recommendations/comments on all proposals placed to Board Level Credit Committee with respect to policy compliance, portfolio risk, and industry prospects Approve judgemental rating action proposed as per delegation matrix Decision making along with the stakeholders (Credit/Business) Effective interaction with Business/Credit Groups across Large Corporates, Emerging Local Corporates, NBFC, Brokers, MFI, Projects, Small Micro Enterprises, and Business Banking Effective resolution of Internal Audit, External Audit, and RBI Queries Periodic review and updation of Industry Risk Scores, including addition of new industries as deemed appropriate Track latest Industry Developments by participation in seminars, conferences, and client site visits Benchmarking of companies within sectors Define and facilitate the achievement of Goals and Key Performance Indicators for direct reports and ensure effective implementation of the Performance Management Process Nurture talent within the team by providing Guidance, Ongoing Feedback, Coaching, and Development Opportunities Develop and nurture a Continuous Talent Pipeline for key roles in the division and provide mentoring for High Potential Talent Ensure adherence to Process and ability to work within pre-decided TAT Skill Sets: Functional: Strong understanding of Finance and Accounting Concepts Ability to identify key characteristics and drivers of diverse Sectors/Businesses Knowledge of Risk Assessment and Control Soft Skills: Good Negotiation Skills Sharp Communication and Presentation Skills Team Player, handling resources Fosters a culture of Quality Focus in the organization by establishing systems/processes and encouraging, rewarding the right behavior Fosters a culture of Continuous Process Improvement and makes balanced investments in the right resources (Technology/People) for enhancing Efficiency and Productivity