Credit Investment Analyst

Micro1; India; Remote; INR 1,000,000 - 1,800,000; Full time

Job summary

Cashback24x7 seeks a Credit Investment Analyst (Contractor) to help train next-generation AI systems by applying deep credit knowledge to evaluating instruments and structuring analyses. The role emphasizes underwriting, covenant review, and rigorous modeling.

You will build cash flow models and deliver clear insights to inform investment decisions. Responsibilities include 3-statement and LBO modeling, downside/stress testing, and monitoring market dynamics to manage risk and optimize returns

Qualifications

• 2–6 years in credit investing, underwriting, or related field with direct investment exposure.
• Expertise in cash flow, debt structures, covenants, liquidity profiles.
• Advanced financial modeling including 3-statement, LBO, downside stress scenarios.
• Strong ability to assess spreads, yields, and risk-adjusted returns.
• Clear written and verbal communication with precision in analyses.

Responsibilities

• Evaluate and analyze credit instruments including high yield bonds and structured products.
• Conduct underwriting reviews, assess capital structures and liquidity profiles.
• Develop cash flow, 3-statement, LBO, and stress models to gauge risk.
• Analyze spreads, yields and relative value to optimize portfolio returns.
• Review covenant packages and protections in credit documentation.
• Provide clear insights to drive investment decisions for the team.
• Stay updated on market dynamics and emerging credit risks.

Skills

Credit analysis

Financial modeling

Cash flow analysis

Debt instruments

Covenants evaluation

Underwriting

Written communication

Tools

3-statement models

LBO models

Downside/stress tests

Job description

Job Title: Credit Investment Analyst

Job Type: Contractor

Location: Remote

Job Summary

In this role, you'll apply your expertise to help train next-generation AI systems. Your work will shape how models learn, reason, and perform through high-quality, real-world input. No prior experience in AI is required — your domain knowledge is what matters.

Key Responsibilities

• Leverage deep knowledge of credit and debt investing to evaluate and analyze a broad range of credit instruments, including high yield bonds, leveraged loans, and structured credit products.


• Conduct thorough underwriting and due diligence reviews, assessing capital structures, covenants, and liquidity profiles to inform robust investment recommendations.


• Develop and refine cash flow, 3-statement, LBO, and downside/stress-case models to assess default risk, recovery analysis, sponsor quality, and refinancing risks.


• Analyze spreads, yields, and relative value opportunities across public and private credit markets to optimize risk-adjusted returns in portfolio construction.


• Review complex legal documentation, focusing on covenant packages and protections for various credit structures.


• Collaborate with the customer’s team to deliver incisive, well-articulated written and verbal insights that drive investment decision-making.


• Maintain up-to-date industry knowledge, monitoring market dynamics, industry cyclicality, and emerging risks to inform ongoing portfolio management.

Required Skills and Qualifications

• 2–6 years of experience in credit investing, underwriting, leveraged finance, or a related field, with direct transaction and investment recommendation exposure.


• Expertise in analyzing cash flow statements, debt structures, covenants, and liquidity profiles for leveraged and private credit investments.


• Advanced financial modeling capabilities, including 3-statement, LBO, downside, and stress-case scenarios.


• Solid understanding of default risk, recovery analysis, refinancing risk, and sponsor evaluation.


• Demonstrated ability to assess spreads, yields, relative value, and risk-adjusted returns within a portfolio construction context.


• Outstanding written and verbal communication skills, with a commitment to clarity and precision in complex analyses.


• Strong attention to detail and critical thinking in structured and public credit transactions, including CLOs.

Preferred Qualifications

• Top performers from investment banking (LevFin, FIG, M&A), private credit or credit hedge funds, rating agencies, or restructuring advisory backgrounds.


• Significant experience with direct underwriting and investment recommendation processes.


• Commercial banking professionals with advanced modeling and credit structuring exposure are also encouraged to apply.