BENGALURU · FULLTIME
FS RC-FSRM - CSTC-FINANCIAL ANALYSIS-MANAGER
Ernst Young
Bengaluru · onsite · Posted 4d ago
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Undisclosed7–10 yrsfulltimeBengaluru
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Section · 01
About this role
Role Overview
As part of the financial analysis of the banks exposures to a diverse range of public, semipublic, and private counterparties - including local authorities and their affiliates, public institutions, sovereigns, public financial institutions, SPVs, corporates, PPP/concession companies, and sponsors - analysts will support creditrisk assessments and contribute to internalrating activities across France and key international markets (primarily France, Italy, Spain, the UK, and, to a lesser extent, the US).
Key Responsibilities - Conduct indepth financial analysis, including detailed review of publicsector and corporate financial statements (IFRS/French GAAP), ratio assessments (leverage, coverage, liquidity), evaluation of working capital requirements, and comprehensive cashflow analysis.
- Apply projectfinance principles to assess SPV cashflow structures, DSCR/LLCR metrics, debtsizing considerations, covenant frameworks, reserve mechanisms, security packages, and riskallocation structures across concession and PPP projects.
- Evaluate sovereign and quasisovereign credit risk by analyzing institutional frameworks, governance quality, policy stability, and levels of explicit or implicit government support.
- Perform corporate and sectoral assessments by analyzing business models, industry dynamics, competitive positioning (utilities, transportation, energy, social infrastructure), and conducting sensitivity and benchmarking analyses across markets.
- Review and interpret financing documentation, including term sheets, loan documentation, covenant packages, guarantees, and where applicable key provisions within bond indentures.
- Build, review, and validate financial models with strong command of Excel; analyze large datasets and generate comparative insights (experience with Power BI/SQL is an advantage).
- Prepare clear, structured, and analytically sound credit memoranda, including rating recommendations, risk/mitigation assessments, and identification of earlywarning indicators.
- Support and conduct gap assessments, impact analyses, and businessreadiness evaluations related to regulatory change initiatives.
- Demonstrate strong technical expertise and uptodate industry knowledge across financial products, market practices, and risk methodologies.
- Lead key workstreams within largescale client engagements or independently manage smaller engagements, ensuring consistent delivery of highquality outcomes.
- Review outputs prepared by team members to ensure analytical quality, completeness, and adherence to internal standards.
- Stay informed of emerging trends, regulatory changes, and sectorspecific developments to anticipate client needs and strengthen advisory delivery.
- Monitor project progress, proactively manage risks, and communicate priorities, challenges, and updates effectively to stakeholders.
- Mentor and guide junior consultants, fostering skill development, knowledge sharing, and professional growth within the team.
- Must-have: Masters degree in Business Administration (Finance/Economics) or CA qualification, with 7-10 years of relevant experience in financial analysis or riskrelated roles.
- Foundational experience (internship/apprenticeship/junior role) in financial analysis, credit risk, audit, or corporate finance.
- Strong understanding of financial statements, core credit risk principles, and familiarity with project finance, corporate, or sovereign risk concepts.
- Advanced proficiency in Excel, with foundational knowledge of Power BI and/or SQL considered a plus.
- Working knowledge of Risk Management, Regulatory Compliance, and Financial Reporting frameworks.
- Ability to collaborate effectively with business and technical stakeholders, including senior leadership.
- Demonstrated automation and innovation mindset, with willingness to improve processes and tools.
- Strong command of written and spoken professional English.
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Section · 02
Skills
Corporate FinanceAutomationbusiness modelsAsset ManagementCFAcapital managementActuarialArticulateCCARBankingCapital Marketscredit riskAdministrationcomplianceArtificial IntelligenceCommunication And Interpersonal Skills
Section · Company
About Ernst & Young
Ernst Young
Management Consulting
44k+
employees
2002
24 years old
Gurgaon / Gurugram, Haryana
India
₹15.3L PA avg
Avg at Ernst & Young
About
At EY, our purpose is Building a better working world. The insights and quality services we provide help build trust and confidence in the capital markets and in economies the world over.
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