Associate Vice President - Credit Analytics

OakNorth in India; Gurugram District; Sur place; INR 1 200 000 - 1 800 000; Plein temps

Avantages offerts par ce poste

Health & Protection

Wellbeing

Time Off

Life Milestones

Flexible Benefits

Growth & Development

Our Workplace

Résumé du poste

OakNorth in India is seeking a Senior Associate in Credit Analytics. You will own detailed loan analyses across sectors and geographies, building robust financial models and drafting concise credit reports for decision-makers.

You will conduct sensitivity testing, discuss data with clients, and liaise with Debt Directors and UK stakeholders to ensure rigorous credit assessment in a fast-paced environment.

Qualifications

• 5+ years of experience in credit analysis or financial analysis.
• Strong financial modelling and accounting understanding.
• Ability to draft clear, concise credit reports for senior stakeholders.
• Excellent communication with Debt Directors, clients and cross-geo teams.
• Proactive, fast-paced, and able to adapt in a dynamic environment.

Responsabilités

• Conduct detailed loan analysis across sectors and geographies.
• Draft concise credit reports with key takeaways.
• Build financial models covering projections, ratios and credit metrics.
• Perform sensitivity analyses and stress testing on projections.
• Identify covenants and early warning signals for loan monitoring.
• Undertake industry studies to understand borrower environments.
• Discuss data gaps and frameworks with clients and UK stakeholders.

Formation

MBA/PGDM/CA/CFA

Description du poste

About Us

At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

About Us

At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.

About The Team

The Credit Analytics team sits at the heart of OakNorth's lending business, providing rigorous financial analysis and credit assessment across a diverse portfolio of commercial loan opportunities. We work closely with Debt Directors, Risk, and client-facing teams in the UK to ensure every lending decision is underpinned by deep analytical insight and a thorough understanding of the borrower's operating environment.

About The Role

We're looking for a Senior Associate to join our Credit Analytics team, taking ownership of detailed loan analysis across sectors and geographies. You'll build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks. This is a high-impact role for someone who combines strong financial acumen with sharp communication skills and a genuine curiosity for business and markets.

What You'll Do

• Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrower's business and operating environment.
• Draft concise, well-structured credit reports with clear key takeaways for Credit and Risk to review and comment on.
• Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.
• Conduct sensitivity analysis and stress testing on projections to assess loan serviceability under adverse scenarios.
• Identify deal-specific covenants that can serve as early warning signals for loan monitoring purposes.
• Conduct detailed industry and market studies to understand the operating environment of borrowers.
• Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other UK stakeholders throughout the credit process.

YOU'LL BE A GREAT FIT IF YOU HAVE…

• 5+ years of relevant experience in credit analysis, financial analysis, or a related role within financial services.
• Strong financial analysis skills with a thorough understanding of accounting and financial concepts, including the ability to build and interrogate detailed financial models.
• Proven ability to draft clear, concise, and well-reasoned credit reports for senior stakeholders.
• Strong communication skills with confidence interacting with Debt Directors, clients, and other stakeholders across geographies.
• A proactive, results-driven mindset — curious, flexible, hands-on, and comfortable operating at pace in an environment where change is part of daily work.

Nice to Have

• MBA, PGDM, CA, or CFA from a reputed institute.
• Experience conducting industry or market studies across multiple sectors.
• Prior exposure to covenant structuring or loan monitoring frameworks.

What We Offer

• Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
• Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services — all sponsored by OakNorth.
• Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
• Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement.
• Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
• Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
• Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.