Credit Rating (Associate/ Sr. Associate/ Delivery Lead/ Manager)

Acuity Analytics; Bengaluru; On-site; INR 1,500,000 - 3,500,000; Full time

Job summary

Acuity Analytics in Bengaluru (WFO) seeks an experienced Credit Rating/Analysis professional to join the Lending Services division. You will perform credit risk assessments for General Corporate, analyze financial statements, and prepare credit reports, while building forecast models to support rating decisions.

The role requires 5-12 years of relevant experience, strong analytical abilities, and clear communication to maintain client relationships and meet SLAs.

Qualifications

• 5-12 years of relevant experience in credit review, rating, report writing, or financial modeling for mid-large corporates.
• Strong analytical and communication skills with attention to detail.
• Ability to manage multiple tasks, prioritize, and meet deadlines.

Responsibilities

• Perform credit risk assessment for General Corporate clients.
• Analyze financial statements, performance, and trends to assess credit worthiness of large corporates.
• Manage a portfolio of clients and handling rating assignments.
• Conduct financial spreading, preferably on Moody's Credit Lens or Excel templates.
• Prepare credit reports including counterparty profile, rating considerations, risk assessment, and outlook.

Skills

Credit risk assessment

Financial statement analysis

Financial modeling

Communication skills

Multi-tasking

Analytical mind

Attention to detail

Logical thinking

Tools

MS Excel

Moody's Credit Lens

Job description

Credit Rating/ Analysis (Sr. Associate/ Delivery Lead/ Manager)

Job location- Bengaluru (WFO mode)

Job Purpose

We are looking for a passionate, energetic individual to join our Lending Services division. You will be part of team working as an extension to our US based client ensuring we fulfill the applicable SLAs.

Key Responsibilities

• The candidate will perform credit risk assessment for General Corporate
• Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of large corporates
• Managing a portfolio of clients and handling rating assignments
• Financial Spreading (preferably on MCL Moodys Credit Lens or any other platform/MS Excel templates)
• Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial & peer analysis, rating rationale, outlook etc.)
• Build forecast excel models (Projections and DCF models will be an added advantage)
• Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties
• Adhering to standard operating procedure & policies including compliance documentation. Maintaining strong relationship with the client

Key Competencies

• 5-12 years relevant experience in credit review/ appraisal, credit rating, report writing, capital structure, EBITDA, leverage ratio & financial statement analysis for mid-large size corporates OR building financial model, LBO models, DCF/ relative valuations
• Good communication skills
• Ability to multi-task, priority setting and meeting deadlines
• The candidate should possess a highly analytical mind with an eye for detail, as well as a very high level of attention
• Clear and logical thinking to understand clients requirements