Credit Analysis/ Review (Associate/ Sr. Associate/ Delivery Lead/Manager)

Acuity Analytics; Gurugram District; On-site; INR 900,000 - 1,800,000; Full time

Job summary

Acuity Analytics is seeking dedicated professionals for its Lending Services team in Gurgaon/Bangalore who can lead credit assessments and collaborate with clients. You will analyze financial statements, prepare rating reports, and support the rating process for mid/large corporates.

The ideal candidate has strong knowledge of credit principles, robust report writing skills, and the ability to manage multiple tasks under tight deadlines while building effective stakeholder relationships.

Qualifications

• Strong understanding of credit principles, rating, and financial ratio analysis for mid/large corporates.
• CA/MBA Finance/CFA/M.Com or equivalent degree.
• Excellent written and verbal communication; ability to build stakeholder relationships.
• 3–10 years of relevant credit industry experience.

Responsibilities

• Analyze financial statements and trend analysis to assess credit worthiness of mid/large corporates.
• Manage a portfolio of clients and handle rating assignments.
• Prepare credit reports including financial & peer analysis and rating rationale.
• Analyze business models, identify risks, understand revenue models and corporate structure.
• Adhere to SOPs and compliance; maintain client relationships.

Skills

Credit principles & reporting

Credit review & rating

Financial statement analysis

Stakeholder communication

Multi-tasking & attention to detail

Client relationship management

EBITDA & ratio analysis

Education

CA / MBA Finance / CFA / M.Com

Job description

Acuity is currently looking for dedicated and motivated individuals who have strong leadership, organizational and teamwork skills for its Lending Services team based in Gurgaon/ Bangalore.

Responsibilities

• Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of mid-large corporates
• Managing a portfolio of clients and handling rating assignments
• Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)
• Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties.
• Adhering to standard operating procedure & policies including compliance documentation
• Maintaining strong relationship with the client

Required Background

• Strong understanding of credit principles, credit review/ appraisal, credit rating, report writing, capital structure, EBITDA & ratio analysis for mid/ large corporates
• Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree
• Excellent written & verbal communication skills and ability to build effective relationships with various stake holders
• Ability to multi-task independently under tight timelines and eye for details
• 3-10 years of relevant experience in credit industry