- Carry out in-depth credit analysis of companies under coverage, including business, financial, and peer analysis, and prepare credit reports (annual/quarterly reviews).
- Building and updating credit models including KPI based projections, writing initiations and preparing concise earning notes for assigned coverage.
- The role requires regular surveillance of the assigned portfolio by proactively tracking the company events (including quarterly earnings, regulatory updates), peer group and other industry information sources.
- Quickly develop understanding of the operating and financial metrics relevant for any new sector in coverage.
- Engage with client teams proactively and independently
- Establish and maintain consistent standards and processes in credit analysis.
- Knowledge of data sources such as Bloomberg, S&P Capital IQ and knowledge of macros, VBA, R, Python etc. would be an added advantage.
FUNCTIONAL & BEHAVIOURAL KNOWLEDGE
- Background in conducting credit analysis of Corporates/Financial institutions.
- Strong understanding of credit principles, credit review/appraisal, credit rating, report writing, capital structure, EBITDA & ratio analysis.
- Strong quantitative skills are essential given the job also requires building and updating detailed financial models.
- Detail-oriented, with a keen interest in financial markets. Keen interest to take a deep-dive into credit analysis.
- Able to work under pressure and tight deadlines.
- Excellent written & verbal communication skills and ability to build effective relationships with various stake holders.
- Should be capable of multi-tasking and handling projects with tight deadlines.
- Ability to think and work independently.
MINIMUM & PREFERRED EDUCATION
- MBA (Finance) from reputed institute / CA / CFA is essential
- Progress towards CFA (US) would be preferred
MINIMUM & PREFERRED EXPERIENCE / SKILLS
- Prior experience of minimum 3-5 years in credit research/analysis
