Credit Analyst

Role & responsibilities

Job Purpose

To support Front Office Dealing teams in the following activities:

• Preparation and submission of Credit Notes for prospective issuers
• Regular monitoring of Credit exposure
• Submission of periodic reports
• Highlighting any early warning signs of the portfolio

Key Accountabilities

• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that department deliverables are met
• Ensure all regulatory reporting & compliances are enforced.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints
• Control the quality of the exposure, using available triggers and adherence to Risk management guidelines and policies
• Monitor and ensure adherence to risk service standards

Job Duties & Responsibilities

• Providing concise and relevant financial analysis by clearly identifying risks
• Ensure reviews are completed prior to due date and are error free
• Identify new Issuers/Credits fulfilling the internal Investment guidelines
• Maintain database of Issuers & Credit proposals basis Financial results/Company specific updates
• Adhere to the risk management and regulatory guidelines of SEBI and RBI
• Control and manage the risk profile for the overall exposure
• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets

Required Experience

• Overall 5-10 years of experience in credit analysis, preferably having experience with credit analysis of Fixed Income clients banks, and NBFCs.
• Knowledge of competitors and market

Education / Preferred Qualifications

CA / MBA

Core Competencies Good written and verbal communication skills • Good Analytical skills • Self-driven and highly ambitious • Results-orientated & the ability to handle pressure • Relationship building & management skills • Understanding of competitor products • Comfortable with tight deadlines • Technical Competencies Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures • Understanding of regulatory guidelines on banking policies issued by RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general • Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients