Credit Analyst-Fixed Income

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

Job summary

Phillipcapital is seeking a seasoned Credit Analyst to support Front Office Dealing teams in credit notes, exposure monitoring, and periodic reporting. The role emphasizes accurate financial analysis, risk identification, and regulatory compliance within India’s SEBI/RBI framework.

Ideal candidates have 5–10 years in credit analysis, with familiarity of Fixed Income clients, banks, and NBFCs, and hold CA or MBA qualifications. Strong communication and analytical skills are essential.

Qualifications

• 5–10 years of experience in credit analysis
• Experience with Fixed Income clients banks and NBFCs
• Knowledge of SEBI and RBI regulations and compliance

Responsibilities

• Prepare accurate credit proposals in a concise and lucid manner
• Maintain close working relationship with Business Unit to meet deliverables
• Ensure regulatory reporting and compliance are enforced
• Monitor customer satisfaction and wallet share via MIS and tracking of operations and complaints
• Control risk exposure quality per risk management guidelines and policies
• Monitor adherence to risk service standards

Skills

Credit analysis

Financial analysis

Risk assessment

Regulatory awareness

Stakeholder communication

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