Analyst

Crisil; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Crisil is seeking a Credit Risk Analyst in Mumbai to perform in-depth credit and counterparty risk analyses, including industry research and financial evaluation of corporates. You will interact with CEOs/MDs/CFOs to understand business dynamics and prepare comprehensive reports highlighting risks and observations.

The role requires strong Excel, analytical skills, and ability to mine data from multiple sources to support client decisions. You will work within defined processes and timelines.

Qualifications

• Credit/risk analysis of corporates, including industry research, regulatory compliance, and financial analysis.
• Analyze past and projected financial performance, ratios, and peer benchmarking.
• Interviews with CEOs/MDs/CFOs for business dynamics.
• Data mining from media, regulatory sources, reports.
• Prepare reports highlighting risks, trends, and gaps.
• Adhere to processes and timelines.
• Maintain data quality in reports.

Responsibilities

• Conduct credit and counterparty risk analysis for corporates.
• Interact with senior executives for business insights.
• Prepare and present credit reports with key risks.
• Perform data mining and trend analysis.
• Ensure timely delivery and data quality.

Skills

Credit risk analysis

Counterparty assessment

Financial analysis

Communication skills

Education

MBA

CA/Inter CA

CFA Level I or II

Tools

Python

Power BI

Tableau

MS Excel

Job description

Role

• Credit/risk analysis, counterparty assessments involving rigorous credit and counterparty risk analysis encompassing industry / business research, transparency/regulatory compliance, litigation checks and financial analysis of various corporates.
• Analyse Company s financial performance include;
  • Past financial performance which includes profit loss, balance sheet, cash flow/fund flow, ratio analysis benchmark these against peer performances
  • Analysis of fund diversions/related party transactions
  • Bank statements/GST data/ credit bureau data analysis
  • Projected future performance of the company
• Thorough virtual or face to face interactions with high profile individuals and teams of professionals like CEOs/MDs/CFOs of corporates from various sectors for understanding business dynamics, strategies and plans
• Undertake data mining from sources such as media, regulatory websites, research publications, periodicals, industry sources, respective company reports, etc.
• Prepare reports that cogently capture the information available with respect to the credit, compliances highlighting key risks and grading parameters along with relevant analytical observations, trends, and queries for the client, information gaps, etc.
• Ensure adherence to set processes and timelines
• Maintain a high level of data and analytical quality in report preparation

Candidate profile

• Background in credit/risk analysis of small/mid and large corporates with sector specific understanding
• Work experience in credit rating agencies, research firms, banks, NBFCs
• Independent and decisive mindset
• Should be capable of multi-tasking and handling projects with deadlines
• Excellent written and oral communication skills
• Advanced knowledge of MS-Excel, word and power point skills

Preferred qualifications

• MBA, CA/inter CA, CFA level 1 or 2 with 2/3 years of experience
• Knowledge of technology/tools like python, Power BI, Tableau would be added advantage