Senior Associate - Risk (Private Credit Funds)

Mumbai

Experience : 6 - 8 Years of Experience

MANDATORY REQUIREMENTS:

- 6 - 8 years of post-qualification experience in Credit/Investment Risk, preferably across NBFCs, ARCs, Private Credit Funds, AMCs, Rating Agencies or Transaction Advisory.

- Strong expertise in credit assessment, financial analysis, risk evaluation and investment underwriting, including leverage, cash flows, projections and sensitivity analysis.

- Experience in Structured Finance, Special Situations/Distressed Credit, Infrastructure Finance, Real Estate Lending or Private Equity is highly preferred.

JOB ROLES & RESPONSIBILITIES:

- We are looking for a dynamic and result oriented candidate for the risk division.

- Evaluate investment proposals to highlight key risk areas in deals across diverse funds (Distress, special opportunity, real estate, and infrastructure).

Responsibilities include:

- i. Analysis of business risks (industry and company specific)

- ii. Financial statement analysis to evaluate the credit worthiness of the company and highlight important financial strengths and weaknesses

- iii. Industry analysis / Peer comparison

- iv. Vetting assumptions in financial projections and perform sensitivity analysis of key assumptions

- v. Highlight structural risks and recommend mitigating measures

- vi. Review due diligence reports

- Risk monitoring (Monthly/Quarterly/Annual) for invested portfolio and promptly alert senior management to significant risk issues.

- Timely capturing of the news alerts and feeds relevant to the investee companies and the underlying industries.

- Evaluating due diligence, debenture trust deeds and other documents and communicating observations to investment team.

- Assisting the risk team in establishing processes/policies/ frameworks and ensuring proper controls across business groups.

- Fostering a partnership among the various business and support groups to create a compliant business environment and culture.

QUALIFICATION & EXPERIENCE:

- 6 to 8 years of post-qualification experience preferably in Credit Rating, Credit/Investment Risk underwriting in Wholesale Banking/ NBFCs/ ARCs/Private Credit Funds/AMCs/Transaction Advisory/etc., across diverse sectors.

- Prior experience in Structured Finance, Special Situations/Distressed Credit, Infrastructure Project Finance, Real Estate lending, Private Equity, etc. would be an added advantage.

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

- Ability to identify key characteristics and drivers of diverse sectors / businesses.

- Knowledge of risk assessment and control.

- Prior experience in credit risk assessment, credit research or equity research will be an additional advantage.