Senior Analyst- Credit Research

Senior Analyst Credit Research

Reports To: Associate Director

Department: Professional Services and Asset & Wealth Management

Location: Gurugram

Job Summary

We are seeking a finance professional with 3-5 years of experience in credit research to perform in-depth credit analysis, build and maintain financial models, and deliver investment recommendations. The role involves evaluating company financials, capital structures, covenants, and industry trends; preparing sector summaries and credit reviews; and presenting insights to clients. Strong expertise in financial modeling, valuation techniques, and databases like Bloomberg/Capital IQ, along with excellent communication skills, is essential.

Key Responsibilities

• Responsible for credit analysis using credit metrics (liquidity, coverage, solvency etc.)
• Creating and maintaining excel based financial models with forecasts and benchmarking companies on financial and operating metrics
• Responsible for building detailed financial models that includes industry research, capital structure analysis, peers comparison, and recovery analysis
• Incorporate acquisition/merger announcements (merger models) or long-term business plan projections in the existing model of the portfolio companies
• Reviewing credit agreements and bond indentures for the covenant package and incorporating them in models for covenant testing
• Publishing quarterly and annual write-ups on portfolio companies that includes investment recommendations based on past trends and financial model projections
• Explaining the rationale to clients/onshore team behind industry drivers, company KPIs, business strategy, model assumptions, and investment recommendations
• Extensive company valuation involving approaches such as DCF, DDM, Trading and transaction multiples, etc.
• Listening to and summarizing earnings conference calls on a quarterly basis
• Responsible for writing credit reviews, including - Credit Ratios Analysis, Covenant Analysis, Capital Structure Analysis
• Credit Comparable o Impact of Macro factors (Economy, Industry) and qualitative factors including Business/Asset Quality, Management etc. on the creditworthiness of a company
• Identifying credit strengths and weaknesses
• Writing sector summaries
• Preparation of financial models using financial statements, debt schedule, and financial forecast
• Extraction of debt related information, e.g. price, maturity, Yield, Z-spread, CDS etc. from database

Required Qualifications

• CA / MBA (Finance); CFA (added advantage)
• 35 years in Credit Research
• Excellent understanding of credit research concepts
• Experience with financial modeling and writing credit reports is preferable
• Comfort with databases like Bloomberg, Capital IQ etc.
• Excellent communication skills; Experience in handling client calls and other client communication
• Excellent attention to detail with ability to ensure high quality of deliverables
• Ability to work under pressure and manage strict deadlines

Why Join Evalueserve

Evalueserve is a global leader in managed services that empower smarter decision-making and streamline critical workflows for more than 30% of the Fortune 500 companies across 45 countries. With over 4,500 professionals worldwide, our solutions are grounded in deep domain expertise and enhanced by cutting edge AI and automation to boost productivity and scale client impact. Over the last 25 years, we have helped clients transform how they work and today we are pushing the frontier further with generative and agentic AI.

We foster a merit-based and innovation-driven culture that encourages creativity, continuous learning, and professional growth. Our hybrid working model provides international exposure and flexibility. Evalueserve has been recognized as a Great Place to Work across four continents and ranks among the top 5% of global companies for diversityalongside numerous awards across its solution lines.

Recent Awards and Recognitions

• AIM Research 2025: Top 10 of the 20 Best Firms for Women in Tech
• Forrester Wave 2024: Leader in Market & Competitive Intelligence Platforms
• Chartis Research 2024: Category Leader in Credit Portfolio Management
• Credit Strategy Lending Awards 2024: Winner, Best Technology Partner
• Banking Tech Awards 2024: Highly Commended, Best LendTech

Disclaimer: The following job description serves as an informative reference for the tasks you may be required to perform. However, it does not constitute an integral component of your employment agreement and is subject to periodic modifications to align with evolving circumstances.

Please Note: We appreciate the accuracy and authenticity of the information you provide, as it plays a key role in your candidacy. As part of the Background Verification Process, we may verify your employment, education, and other details. Please ensure all information is factual and submitted on time. For any assistance, your recruiter is available to support you.