Credit Analyst

Phillipcapital; Mumbai; On-site; INR 1,200,000 - 2,400,000; Full time

Job summary

Phillipcapital in Mumbai seeks an experienced credit analyst to support Front Office Dealing teams. You will prepare credit proposals, monitor credit exposure, and submit periodic MIS and regulatory reports.

The role requires strong analytical skills, stakeholder management, and adherence to RBI/SEBI guidelines. Ideal candidates have 5–10 years of credit analysis experience, preferably with banks or NBFCs, and an MBA/CA qualification.

Qualifications

• CA/MBA with strong credit & financial analysis skills.
• Experience with credit proposals and regulatory guidelines.
• Knowledge of RBI/SEBI guidelines and local banking laws.

Responsibilities

• Provide concise financial analysis with risk identification.
• Ensure reviews are completed on time and error-free.
• Identify new issuers/credits per internal guidelines.
• Maintain issuer/credit proposals database with updates.
• Adhere to regulatory guidelines including RBI/SEBI.
• Manage risk exposure and monitor performance against targets.

Skills

Credit analysis

Financial analysis

Risk management

Regulatory knowledge RBI SEBI

Communication skills

Relationship management

Deadline orientation

Market knowledge

Client dialogue

Education

CA / MBA

Job description

Role & responsibilities

Job Purpose

To support Front Office Dealing teams in the following activities:

• Preparation and submission of Credit Notes for prospective issuers
• Regular monitoring of Credit exposure
• Submission of periodic reports
• Highlighting any early warning signs of the portfolio

Key Accountabilities

• To prepare accurate credit proposals in a consistent, concise and lucid manner.
• To maintain close working relationship with Business Unit to ensure that department deliverables are met
• Ensure all regulatory reporting & compliances are enforced.
• Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints
• Control the quality of the exposure, using available triggers and adherence to Risk management guidelines and policies
• Monitor and ensure adherence to risk service standards

Job Duties & Responsibilities

• Providing concise and relevant financial analysis by clearly identifying risks
• Ensure reviews are completed prior to due date and are error free
• Identify new Issuers/Credits fulfilling the internal Investment guidelines
• Maintain database of Issuers & Credit proposals basis Financial results/Company specific updates
• Adhere to the risk management and regulatory guidelines of SEBI and RBI
• Control and manage the risk profile for the overall exposure
• Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets

Required Experience

• Overall 5-10 years of experience in credit analysis, preferably having experience with credit analysis of Fixed Income clients banks, and NBFCs.
• Knowledge of competitors and market

Education / Preferred Qualifications

CA / MBA

Core Competencies

• Good written and verbal communication skills
• Good Analytical skills
• Self-driven and highly ambitious
• Results-orientated & the ability to handle pressure
• Relationship building & management skills
• Understanding of competitor products
• Comfortable with tight deadlines
• Technical Competencies Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures
• Understanding of regulatory guidelines on banking policies issued by RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general
• Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients