Credit Risk Analyst

Key Responsibilities:

1. Investment Evaluation & Deal Support

- Support the evaluation of potential private credit transactions across targeted sectors.

- Conduct in-depth company and industry research to assist in investment thesis development.

- Engage with internal stakeholders and deal teams to align underwriting with fund strategy.

2. Credit Appraisal & Due Diligence

- Draft Credit Appraisal Memos and Investment Committee Notes capturing business risks, credit highlights and return potential.

- Assess the creditworthiness of mid-to-large corporate clients with a focus on sunrise sectors.

- Conducted in-depth financial and ratio analysis to assess profitability, leverage, liquidity, asset quality, and debt-servicing capacity.

- Performed peer benchmarking to evaluate growth potential and identify early risk signals.

- Reviewed statutory audit reports and modified opinions to assess the integrity of financial statements/ balance sheet.

- Draft credit rationales summarizing sector trends, borrower-specific risks, and financial strengths.

- Monitored borrower portfolios, tracked early warning indicators, and collaborated with internal teams to recommend timely risk mitigations.

- Analyse the business model, management quality, and promoter background, along with financial statements, GST returns, bank statements, and real-time liquidity and working capital cycles using operating data.

3. Portfolio Monitoring & Risk Oversight

Track post-investment performance through:

- Monthly financial data and collection trends.

- Covenant compliance and operational KPIs.

- Sector-specific risks and macroeconomic exposures.

- Assist in transaction documentation, CP/CS compliance, and legal/security execution.

- Proactively engage in risk flagging and initiate corrective actions where needed.

4. Fund Operations & Reporting

- Compile and analyze portfolio metrics for internal dashboards and LP reporting.

- Participate in fund-wide discussions on pipeline, strategy, and deal prioritization.

5. Internal Collaboration & Stakeholder Engagement

- Coordinate with coverage, legal, underwriting, and compliance teams to align execution.

- Build working relationships with borrowers to facilitate reporting, analysis, and issue resolution.