Analyst/Senior Analyst/AVP - Credit/Equity Research - BFS

JOB RESPONSIBILITIES:

- Conducting detailed analysis of loan opportunities across various sectors in different geographies by integrating machine learning and data analytics with traditional financial analysis techniques

- Developing detailed credit model comprising deal details, financial statement analysis, projections, credit metrics, amongst others

- Conducting sensitivity and scenario analysis on projections - for stress testing on loans for serviceability

- Identifying deal specific covenants which can act as early warning signals while monitoring loans

- Periodic tracking of loan portfolio

- Drafting credit reports with key takeaways on opportunity; report is in concise, easy to read format for credit committee to review and comment

- Improving on product pricing models used to ascertain the pricing of all loan deals

- Helping business development managers with opportunity prospecting

- Creating industry dashboards to act as reference point for loans to particular sector / sub-sector

- Detailed industry/market studies to understand operating environment of borrower

DESIRED SKILLS

- Financial / credit modelling

- Diligence on company / sectors

- Credit paper writing and credit reviews

- Covenant analysis and setting

- Review and analysis of customer assumptions / budgets / forecasts

- Benchmarking companies against its peers in the industry

- Scenario analysis and stress testing of assumptions

KEY ATTRIBUTES - 

- Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner

- Hands on attitude, willing/capable to understand the big picture.

- Ability to succeed in a culture where change and speed are part of daily work.

ACADEMIC QUALIFICATION - 

- MBA/PGDM/CA/CFA from a reputed/Tier 1 institute with 3+ yrs experience in credit/financial analysis and report writing.