Credit Analysis

2 weeks ago

Pune, Maharashtra, India Crisil Full time ₹ 9,00,000 - ₹ 12,00,000 per year

JOB Location- Pune

Functional Responsibility / Domain Related

  • Support global Credit Analyst(s) for monitoring and tracking the performance of a portfolio of credits / transactions, and responding to credit events

  • Track and understand US Public Finance (USPF) sector dynamics and regulatory trends including but not limited to

  • Understanding of various sectors within the USPF

  • Analysis of macroeconomic parameters impacting the sector
  • Impact of regulatory and legal framework
  • Abreast with the latest happenings across USPF sectors

  • Revenue & expenditure mix and factors affecting it

  • Track operational performance, which includes evaluation of:

  • Economic fundamentals

  • Competitive position
  • Strategy / execution / management

  • Profitability / peer comparisons

  • Track financial performance, which includes evaluation of:

  • Accounting

  • Financial governance and policies
  • Financial ratios and trends
  • Liquidity / short-term factors

  • Off balance sheet debt such as pension/ OPEB

  • Work on financial models

  • Prepare internal credit notes
  • Process Adherence
  • Follow defined processes in day to day execution of assignments
  • Ensure that new knowledge gained is retained and documented through operating manuals

  • Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization.

  • Client Management / Stakeholder Management

Build and maintain relationships with international clients

  • Education Qualification- Two years full-time MBA (Finance) or equivalent OR CA
  • Experience - 1 – 3 years of relevant experience in credit analysis or credit research in global market
  • Skills:
  • Excellent oral and written communication skills
  • Understanding of accounting and financial analysis and concepts
  • Positive attitude with qualities of a team player
  • Innovative and solution orientation
  • Open to new ideas and initiatives
  • Ability to build client relations and take a view based on client guidance
  • Ability to take ownership and execute tasks independently
  • Ability to deal pressure

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