Senior Credit Research Analyst - Financial Modelling

Senior Credit Research Analyst - Financial Modelling

Position Overview:

We are seeking a highly skilled and motivated Credit Research Analyst to join our dynamic team in Mumbai. The ideal candidate will have 3-6 years of experience in credit research, credit assessment, financial modeling, credit rating, and counterpart risk assessment. This role requires a strong analytical mindset, excellent research skills, and the ability to produce detailed and accurate reports.

Key Responsibilities:

Credit Research & Analysis:

- Conduct thorough research and analysis of companies and sectors to assess creditworthiness.

- Analyze financial statements, market data, industry trends, and economic factors affecting credit risk.

Credit Assessment:

- Evaluate the credit quality of potential and existing counterparties.

- Perform qualitative and quantitative assessments to determine credit ratings.

- Develop credit risk profiles and identify key risk factors.

Financial Modeling:

- Build and maintain detailed financial models to project future performance and assess financial health.

- Use financial models to simulate different scenarios and their impact on creditworthiness.

Credit Rating:

- Assign and monitor internal credit ratings based on established methodologies.

- Prepare comprehensive credit rating reports and present findings to senior management.

Counterpart Risk Assessment:

- Conduct counterpart risk assessments, including the evaluation of financial and non-financial risks.

- Monitor counterparties for changes in credit quality and recommend appropriate risk mitigation strategies.

Reporting:

- Prepare detailed credit reports, research notes, and presentations for internal and external stakeholders.

- Ensure all reports are accurate, well-organized, and submitted in a timely manner.

Collaboration & Communication:

- Work closely with other analysts, portfolio managers, and risk management teams to share insights and recommendations.

- Communicate effectively with stakeholders to provide clarity on credit decisions and risk assessments.

Qualifications:

- Bachelor's or Master's degree in Finance, Economics, Accounting, or a related field.

- 3-6 years of experience in credit research, assessment, and financial modeling.

- Strong understanding of financial statements, credit rating methodologies, and risk assessment techniques.

- Proficiency in financial modeling and analysis tools (e.g., Excel, financial databases).

- Excellent analytical, research, and problem-solving skills.

- Ability to work independently and as part of a team in a fast-paced environment.

Preferred Skills:

- Experience with credit rating agencies or financial institutions.

- Knowledge of regulatory requirements related to credit risk.

- Professional certifications such as CFA, FRM, or equivalent.