Credit Business Modelling || Gurgaon

About Corporate and Investment Banking & Investment Research (CIB & IR) As a global leader in knowledge processes, research, and analytics, you will be working with a team that specializes in global market research, working with the top-rated investment research organizations, bulge bracket investment banks, and leading asset managers. We cater to 8 of the top 10 global banks, working alongside their product and sector teams, supporting them on deal origination, execution, valuation, and transaction advisory-related projects.

What you will be doing at Evalueserve

The Lead Analyst will join the Lending Services (Commercial / Corporate / Business Banking) team, working closely with bankers to support credit business modeling and ancillary processes. This role requires a blend of financial modeling, credit research expertise, and team leadership to deliver high-quality outputs:

• Spread and analyze financial statements (Balance Sheet, Income Statement, and Cash Flow Statement) of FIG/BFSI borrowers in a bank-specific financial modeling template
• Analyze key performance indicators (KPIs), Interpret financial ratios (Leverage ratios, Profitability ratios, Valuation Ratios) / key metrics to assess profitability, cost-efficiency, and financial health of borrowers
• Develop and maintain comprehensive financial/credit models (including revenue and expenses model) to assess credit quality
• Identify financial strengths, weaknesses, and potential risks to support lending specialists and credit officers in decision-making
• Deep understanding of banking operations, financial products, and regulatory requirements in the BFSI sector
• Monitor and interpret the impact of events, news, and economic developments on credit quality
• Present findings, analysis, and recommendations, highlighting a borrower's ability to meet obligations
• Mentor and train team members while managing workload allocation and planning
• Prepare and share periodic governance reports and trackers with internal stakeholders and clients
• Address client feedback and implement corrective measures to improve deliverables and processes
• Supervise 2-4 FTEs, ensuring performance and development objectives are met
• Manage client communications, including calls and regular updates
• Write detailed credit reviews, summarizing strengths, weaknesses, liquidity, leverage, cash flow, and coverage metrics will be an added advantage

What were looking for:

• Strong experience of financial / credit modeling

• Strong knowledge of advanced excel formulas

• Strong understanding of financial statements, planning and analysis

• Strong understanding of credit research concepts

• Familiarity with banking or credit analysis systems such as Moody's Risk Analyst, S&P Capital IQ, or similar platforms

• Excellent communication skills to manage client interactions

• Excellent interpersonal skills to build strong team culture

• Ability to complete team tasks efficiently on schedule

• Master's degree with a major in finance, accounting from a reputed institute with 5+ years experience in the similar profile

• Experience with Global banking clients is highly preferred