Credit Analyst-Fixed Income

PhillipCapital India; Mumbai; On-site; INR 900,000 - 1,700,000; Full time

Job summary

PhillipCapital India in Mumbai seeks a skilled credit analyst to prepare concise credit proposals, identify risks, and coordinate with business units to ensure timely deliverables. The role emphasizes rigorous financial analysis, regulatory adherence to RBI/SEBI, and maintaining issuer databases.

You will monitor risk exposure, support decision making with MIS insights, and contribute to customer retention by aligning credit services with business goals.

Qualifications

• Proven ability to identify risks in financial data
• Strong written and verbal communication skills
• Understanding of asset products and related technology platforms
• Ability to work under tight deadlines and deliver quality reviews

Responsibilities

• Provide concise financial analysis highlighting risks and mitigants
• Ensure reviews are completed by due date and error-free
• Identify issuers/credits aligning with internal investment guidelines
• Maintain issuer/credit proposals database with updates from financial results
• Adhere to RBI/SEBI regulatory guidelines and risk management policies
• Control and manage overall risk exposure
• Track performance against financial, sales, service and operational targets

Skills

Credit analysis

Financial analysis

Regulatory knowledge RBI/SEBI

Communication skills

Analytical skills

Pressure handling

Relationship management

Market knowledge

Education

CA / MBA

Job description

• 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 2-5 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 byRBI/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