Job Title: Credit Analyst/Senior Credit Analyst
Department: GAC
Location: Pune
Role: This position will support the S&P Global's Ratings team and will be a part of the GAC Analytical team.
Functional Responsibility / Domain Related
- Support Global Credit Analyst(s) for monitoring and tracking the performance of a portfolio of credits, and responding to credit events.
- Track and understand International Public Finance (IPF) sector dynamics and regulatory trends, including but not limited to:
- Understanding of various sectors, asset classes within the IPF
- Analysis of macroeconomic parameters impacting the sector
- Impact of regulatory and legal framework
- Abreast with the latest happenings across IPF 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
- Work on financial models
- Prepare internal credit notes
Process Adherence
- Follow defined processes in 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 client
Education Qualification- Two years full-time MBA (Finance) or equivalent
OR CA
OR CFA
OR Bachelor/Master in Economics
Experience - 2 5 years of relevant experience in credit analysis or credit research in global Markets
Skills:
- Knowledge of French language (basic to intermediate)
- 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 oriented. 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 with pressure
