AVP - Credit Analytics

OakNorth; Gurugram District; On-site; INR 1,500,000 - 2,100,000; Full time

Benefits offered by this job

Health & Protection

Wellbeing benefits

Time Off

Life milestones

Flexible benefits

Growth & development

Our Workplace culture

Job summary

OakNorth is seeking a Senior Associate for the Credit Analytics team to own detailed loan analysis across sectors and geographies. You will build financial models, draft concise credit reports, conduct sensitivity and stress testing, and engage with clients to discuss data and frameworks.

This high-impact role requires 5+ years in credit or financial analysis, strong modeling skills, and clear communication with stakeholders across geographies.

Qualifications

• 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.

Responsibilities

• Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrowers' 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.

Skills

Credit analysis

Financial analysis

Financial modeling

Client interaction

Stakeholder management

Education

MBA / CA / CFA (Nice to Have)

Job description

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 borrowers' 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 borrowers' 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.