Associate Director - Credit - Rating - Mumbai

Associate Director - Credit - Rating - Mumbai

Department

Ratings

Job Description

1.  

   About CRISIL Ratings

   CRISIL Ratings is India's leading rating agency. We pioneered the concept of credit rating in India in 1987. With a tradition of independence, analytical rigour and innovation, we have a leadership position.

   We are a full-service rating agency. We rate the entire range of debt instruments: bank loans, certificates of deposit, commercial paper, non-convertible debentures, bank hybrid capital instruments, asset-backed securities, mortgage-backed securities, perpetual bonds, and partial guarantees.

   A CRISIL rating reflects CRISIL's current opinion on the relative likelihood of timely payment of interest and principal on the rated obligation. It is an unbiased, objective, and independent opinion as to the issuer's capacity to meet its financial obligations. So far, CRISIL has rated 30,000 debt instruments, covering the entire debt market.

   Who We Serve

   CRISIL Ratings serves lenders, investors, issuers, market intermediaries and regulators by improving information availability and providing benchmarks. We rate most of India's largest companies and several of the smallest. Our ratings cover manufacturing companies, banks, non-banking finance companies, public sector undertakings, financial institutions, state governments, urban local bodies, mutual funds across 190 industry sectors.

   CRISIL Ratings' clientele includes all the industry majors - 23 of the BSE Sensex constituent companies and 39 of the NSE Nifty constituent companies, accounting for 80 per cent of the equity market capitalisation.

   How We Add Value

2.  CRISIL's ratings assist issuers and borrowers in enhancing their access to funding, widening the range of funding alternatives, and optimising the cost of funds.
3. Investors and lenders use our ratings to supplement their internal evaluation process and to benchmark credit quality across investment options.
4. For the markets at large, our ratings act as a market benchmark for pricing and trading of debt instruments.
5. We help regulators in measurement and management of credit risks at a systemic level. CRISIL's ratings are used in the computation of capital adequacy in the banking sector. Our ratings are also used to determine the eligible investment pool for insurance companies, pension funds, and provident funds.

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   Business: Ratings

   Department Large Corporate Sector

   Job Role:

7. Analyse Company’s business model and financial performance and make detailed projections for the future
8. Benchmark financial and business performance against peers
9. Undertake rigorous credit risk analysis encompassing industry / business research and financial analysis of various large corporates
10. Keep a track of latest developments and updates in the underlying industry and companies and their impact on credit risk
11. Write opinion pieces on sectors and organise webinar/events to enhance investor experience
12. Make credit rating recommendation to the Rating Committee by preparing reports that cogently capture the rationale behind the rating
13. Ensure adherence to requisite compliance and regulations
14. Meet and discuss with the key management personnel of the corporates being rated to understand their strategy and business model. Maintain strong relationships with the issuers
15. Communicate the final Rating and rating drivers to the client / investors
16. In case of manager or above position, the role shall also require management of a small team of Analysts/Senior Rating Analysts and ensure quality and regulatory compliance of the team

Eligibility Criteria: For Associate Director (13A)

1. MBA Finance / CA
2. Work experience of 7-10 years preferably in credit assessment in a bank, in a rating agency, or in handling fund raising within a corporate
3. Through understanding of at least 1-2 domestic industries from a risk perspective. Power and Infrastructure are preferred.
4. Adequate experience of handling a team of at least 2-3 analysts
5. Excellent communication skills – both written and verbal

Open Positions

1

Mandatory Skills

Leadership

Education Qualification

MBA / CA

Experience

6 to 10 Years