Lead Analyst - Credit Analysis - Asset Backed Lending

We are seeking an experienced professional with 8-11 years of demonstrated expertise in asset-backed lending (ABL), preferably US clients. The ideal candidate must be a postgraduate and must have a robust understanding of ABL credit risk assessment and collateral management. Candidate will lead teams working on asset-backed lending transactions, ensuring compliance with regulatory frameworks and internal risk policies.

Key Responsibilities:

Roles and responsibilities

·       Lead team of analysts, undertaking workflow management, quality checks of outputs and providing constructive feedback

·       Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters

·       Prepare detailed credit assessment reports for ABL borrowers including business & management analysis, financial spreading/modelling, borrowing base calculations (excess availability analysis, debtors aging analysis), availability tracking, collateral assessment (eligibility review), covenant monitoring, trend cards preparation, obligor risk grading and site evaluation

·       Ensure robust governance and oversight through appropriate workflow planning, resource utilization, quality assurance and client satisfaction

·       Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants

·       Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback

·       Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise

·       Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement

·       Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates

·       Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively

Client Engagement

·       As a subject matter expert in the ABL space, participate in customer facing meetings

·       Responsible for understanding customer needs in ABL risk assessment and portfolio monitoring

·       Engage in new client pilots, solution and review processes for new opportunities

·       Develop, maintain and foster strong client relationships and lead multiple client engagements independently

·       Document market feedback regarding experience with Crisil's solutions and desired enhancements

·       MBA/CA/CFA

·       8-11 years of experience in commercial lending focussing on asset-backed lending for global banks

·       Team management and problem-solving skills, with experience of leading teams

·       Working experience on systems like – Loan IQ, nCino, Moody's CreditLens, Solifi (formerly Stucky ABL) and Capital IQ etc.

·       Advanced Excel and financial modelling capabilities

·       Strong stakeholder management and presentation skills

·       Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution