Lead Analyst

KEY ROLES & RESPONSIBILITIES

- The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions.

- Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies

- The credit assessment process requires the following:

- Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile.

- Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments.

- Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations.

- Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years).

- Other activities include preparing industry databases and reports.

- Preparing a detailed peer analysis on the operating and financial side.

- Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients

- The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances.

- Assist ADs/Director on pilot assignments and prepare collaterals.

- Engage with client teams proactively and suggest new ideas to enhance client engagement

- Support the client with any ad-hoc research requests including sector research

- Responsible for process initiatives and quality improvements of the team.

Content review, mentor and train new hires in the team

FUNCTIONAL & BEHAVIOURAL KNOWLEDGE

- Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics.

- Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.

- Willingness to be fungible across sectors and regions.

- Excellent report writing and communication skills.

- Ability to identify key characteristics and drivers of sectors assigned.

- Credit assessment and analysis (or financial analysis), including business, financial and management profiling.

- Experience in portfolio monitoring and credit analysis

- Good understanding of banking regulations, calculation of key credit metrics and capital ratios

Reasonable understanding of banks internal systems

PROBLEM SOLVING

- Identifies and resolves complex research issues and team problems

- Assist in solving complex problems related to financial modeling

INTERACTIONS

- Team player and good team handling skills

- Excellent client management skills

TYPICAL SCOPE & IMPACT

- Impacts the quality and effectiveness of own team

MINIMUM & PREFERRED EDUCATION

- MBA or CA or Masters degree preferred; CFA certification is a plus

MINIMUM & PREFERRED EXPERIENCE / SKILLS

- 6 to 10 years of work experience

- High level of attention to detail and accuracy; Diligence and hard work

- Ability to work under stringent timelines

- Prior experience in credit research or credit risk assessment along with report writing experience is mandatory.

- Prior experience in GenAI, people and content management are a plus

- Ability to manage a team and provide coaching, query handling and analytical mentoring to the team.

- Good understanding of MS office products