Assistant Vice President/Senior Manager/Manager - Credit Research Analyst - Bank

Credit Research Analyst(Priority Sector analysis)- Manager /Sr Manager/AVP with a leading Bank in Mumbai

Job Purpose:

Key Responsibilities:

Sectoral Research and Outlook:

- Conduct in-depth research across priority sectors (e.g., MSME, Agri, Real Estate, Infrastructure, Textiles, Auto, Pharma, etc.)

- Prepare and periodically update sector outlook reports incorporating market dynamics, financial metrics, capacity utilization, demand/supply trends, and capex cycles.

- Identify leading indicators of stress or resurgence in key lending sectors.

Trade, Tariff and Policy Analysis:

- Track bilateral and multilateral trade agreements (FTAs, CEPA, WTO developments) and analyze their sectoral impact on borrowers.

- Evaluate changes in customs duties, tariffs, export-import restrictions, and government incentive schemes (e.g., RoDTEP, PLI) that impact sector competitiveness.

Macro and Socioeconomic Monitoring:

- Monitor key macroeconomic indicators (GDP, inflation, interest rates, currency, employment, etc.) and assess their influence on credit quality.

- Leverage consumer sentiment, household income, urban/rural consumption, and income disparity data to identify downstream risk trends.

Policy Guidance and Risk Signal Generation:

- Provide actionable recommendations to credit policy and underwriting teams to recalibrate sectoral lending norms, LTVs, risk premiums, and rating thresholds.

- Develop early warning signals and sector-specific stress testing models.

Internal Collaboration and Dissemination:

- Liaise closely with credit, collections, strategy, and product teams to align sectoral views with business plans.

- Prepare monthly/quarterly research dashboards, sectoral whitepapers, and presentations for senior management and board-level risk committees.

Regulatory and External Engagements:

- Monitor RBI, SEBI, DGFT, MoF, DPIIT, and international agency releases for regulatory updates.

- Engage with industry bodies (CII, FICCI, SIDBI), consultants, and rating agencies for external benchmarking.

Desired Candidate Profile:

Education: Postgraduate in Economics, Management, Public Policy, or Finance: candidates with CA, CFA, or equivalent research credentials preferred.

Experience: 3 to 8 years in sector research, economic advisory, risk consulting, preferably candidate working Credit Rating agencies research wing or Bank.

Skills Required:

- Strong analytical and economic modelling skills

- Proficiency in tools like Excel, Power BI, R/Python (optional), and data platforms (CMIE, Bloomberg, TR, Capitaline)

- Excellent report writing and presentation skills

- Deep understanding of Indian regulatory and trade frameworks.