Credit Analyst-Kolkata only

AUM Capital Market Private Limited; Kolkata District; On-site; INR 800,000 - 1,500,000; Full time

Job summary

AUM Capital Market Pvt. Ltd. is seeking a Credit Analyst to strengthen credit research and risk evaluation within its Wealth Management business in India.

The ideal candidate will assess credit risk across corporate and financial borrowers, prepare credit notes, and provide insights into investment-grade fixed-income products, while ensuring SEBI/RBI compliance. Requirements include 2.5–5 years of credit analysis experience, MBA in Finance or CFA (preferred).

Qualifications

• MBA (Finance) or CFA (preferred but not mandatory).
• 2.5–5 years of experience in credit analysis roles, preferably from CRISIL, ICRA, CARE, India Ratings, Brickwork, or similar rating agencies.

Responsibilities

• Conduct in-depth credit analysis of corporates, NBFCs, banks, and infrastructure projects.
• Review and analyze financial statements, MD&A, cash flow trends, debt servicing ability, and key risk indicators. Independently prepare credit appraisal memos with detailed ratings rationale and outlook.
• Evaluate credit ratings from agencies such as CRISIL, ICRA, CARE, etc., and interpret rating rationales.
• Monitor industry trends and macroeconomic indicators that impact issuer risk.
• Work closely with fixed‑income investment teams and provide credit inputs for bond/CP investments.
• Assist in portfolio surveillance, trigger event analysis, and updating internal risk scoring models.
• Ensure compliance with internal credit policies and SEBI/RBI regulatory norms.

Skills

Credit analysis

Financial statement analysis

Credit rating methodology

Analytical mindset

Communication

Education

MBA (Finance)

CFA

Tools

Excel

Bloomberg

CMIE

Capitaline

Job description

Credit Analyst

AUM Capital, a premier financial brand, is seeking to add an accomplished and motivated individual to our team a Credit Analyst, to its rapidly growing Wealth Management business. AUM is the largest distributor of Mutual Fund products in Eastern India, with panIndia presence in more than 10 locations. Managing assets of more than Rs. 15,000 Crs, we cater to Large Corporates treasuries, Financial Institutions, Provident Funds, Endowments and HNI/UHNIs across the country. For more information on us, please visit www.aumcap.com

Job Summary

AUM Capital Market Pvt. Ltd. is looking for a Credit Analyst to strengthen our credit research and risk evaluation vertical.

The ideal candidate will be responsible for evaluating credit risk across corporate and financial borrowers, preparing credit notes, and providing insights into investment-grade fixed-income products.

Primary Responsibilities

• Conduct in-depth credit analysis of corporates, NBFCs, banks, and infrastructure projects.
• Review and analyze financial statements, management discussion & analysis (MD&A), cash flow trends, debt servicing ability, and key risk indicators. Independently prepare credit appraisal memos with detailed ratings rationale and outlook.
• Evaluate credit ratings from agencies such as CRISIL, ICRA, CARE, etc., and interpret rating rationales.
• Monitor industry trends and macroeconomic indicators that impact issuer risk.
• Work closely with fixed‑income investment teams and provide credit inputs for bond/CP investments.
• Assist in portfolio surveillance, trigger event analysis, and updating internal risk scoring models.
• Ensure compliance with internal credit policies and SEBI/RBI regulatory norms.

Qualifications & Skills

• Education: MBA (Finance) / CFA (preferred but not Mandatory).
• Experience: 2.5–5 years of experience in credit analysis roles, preferably from CRISIL, ICRA, CARE, India Ratings, Brickwork, or similar rating agencies.

Technical Skills

• Strong financial statement analysis and credit rating methodology exposure.
• Understanding of financial covenants, credit rating triggers, and structured finance.
• Good command over Excel, databases like Bloomberg / CMIE / Capitaline.

Soft Skills

• Strong written and verbal communication.
• High attention to detail and analytical mindset.
• Ability to work independently and in cross-functional teams.

REPORTING TO Director

SALARY As per the industry standards