Credit Analyst

2 weeks ago

Mumbai, India PhillipCapital India Full time
Required Experience

• Overall 2-5 years of experience in credit analysis, preferably having experience with credit analysis of Fixed Income clients – banks, and NBFCs.• Knowledge of competitors and marketJob Purpose

To support Front Office Dealing teams in the following activities:• Preparation and submission of Credit Notes for prospective issuers• Regular monitoring of Credit Exposure• Submission of periodic reports• Highlighting any early warning signs of the portfolio

Key Accountabilities• To prepare accurate credit proposals in a consistent, concise and lucid manner.• To maintain a close working relationship with the Business Unit to ensure that department deliverables are met• Ensure all regulatory reporting & compliances are enforced.• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints• Control the quality of the exposure, using available triggers and adherence to Risk management guidelines and policies• Monitor and ensure adherence to risk service standards

Job Duties & Responsibilities• Providing concise and relevant financial analysis by clearly identifying risks• Ensure reviews are completed prior to the due date and are error-free• Identify new Issuers/Credits fulfilling the internal Investment guidelines• Maintain a database of Issuers & Credit proposals basis Financial results/Company-specific updates• Adhere to the risk management and regulatory guidelines of SEBI and RBI• Control and manage the risk profile for the overall exposure• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets

Education / Preferred QualificationsCA / MBA

Core Competencies

•

Good written and verbal communication skills• Good Analytical skills• Self-driven and highly ambitious• Results-orientated & the ability to handle pressure• Relationship building & management skills• Understanding of competitor products• Comfortable with tight deadlines• Technical Competencies•

Sound understanding of asset products and associated technology platforms and operational procedures• Understanding of regulatory guidelines on banking policies issued by RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients

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