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 individuals for its Lending Services team based in Gurgaon/Bangalore. You will analyze financial statements and enterprise performance to assess credit worthiness of mid-to-large corporates, manage client portfolios and prepare in-depth credit reports.

You will evaluate business models, identify risks, and ensure compliance with SOPs while maintaining strong client relationships and timely deliverables.

Qualifications

• Experience in credit analysis for mid/large corporates.
• Excellent written & verbal communication with stakeholders.
• Ability to multi-task under tight timelines and attention to detail.

Responsibilities

• Analyzing financial statements, performance and trend analyses to assess credit worthiness of mid/large corporates.
• Managing a portfolio of clients and handling rating assignments.
• Preparing credit reports (annual/quarterly reviews) with counterparty profile, rating rationale and outlook.
• Analyzing business models, identifying strengths/weaknesses/risks and corporate structure.

Skills

Credit principles

Credit review

Credit rating

Report writing

Financial ratio analysis

Stakeholder management

Education

Chartered Accountant

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