Lead Analyst

Lead Analyst

Department

GR&RS

Job Description

KEY ROLES & RESPONSIBILITIES

• Work with team of onshore analysts to cover credit portfolio of corporates, including specialised sectors like LF, PF, CRE etc.
• 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).
  • Determine and recommend ratings to the entity based on the internal rating framework and methodology.
• Regular interaction with client to discuss reports as well as workflow
• Support the client with any ad-hoc research requests including sector research
• Engage with client teams proactively and suggest new ideas to enhance client engagement
• Support in preparing process documents, checklists, reviewing reports of junior analysts
• Train new hires and mentor juniors in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

• Experience in deal financial modeling/ surveillance/ 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

• Works within own team and interacts with other related teams
• Communicates with internal & external clients and/or issuers as necessary

TEAM MANAGEMENT

• Mentoring and handling a small team

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

• 5 to 9 years of work experience preferable in credit risk/credit research
• High level of attention to detail and accuracy; Diligence and hard work
• Organization skills and the ability to manage and prioritize workload
• Good understanding of MS office products

Open Positions

1

Mandatory Skills

credit report writing, credit risk review, financial modeling

Education Qualification

Post Graduate

Experience

6 to 9 Years