Credit Review/ Analysis_Pune (Assistant Director)

Acuity Analytics; Maharashtra; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

Acuity Analytics in Pune, India seeks a senior Credit Analyst (Assistant Director) to join the Lending Services team. You will perform credit risk assessments for large corporates, analyze financial statements, and manage client ratings, with emphasis on accuracy and compliance, in a work-from-office setting.

The role demands 12+ years of experience, strong analytical and communication skills, and ability to build forecasting models in Excel. On-site role with daily 11 AM–8 PM IST schedule.

Qualifications

• Post Graduate degree from an accredited university.
• 12+ years of credit review/appraisal experience for mid-large corporates or related financial modeling experience.
• Strong communication skills, ability to multi-task and meet deadlines.
• Analytical mindset with attention to detail and clear, logical thinking.

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 handle rating assignments.
• Conduct financial spreading using Moody’s Credit Lens or Excel templates.
• Prepare credit reports, including counterparty profile, rating considerations, and risk analysis.
• Build forecast models (projections, DCF) as added capability.
• Analyze business models, identify strengths/risks, and understand revenue structures.
• Adhere to SOPs and compliance requirements; assist with policy documentation.
• Team leadership experience is desirable.

Skills

Credit risk assessment

Financial statement analysis

Financial modeling

Rating assignments

Portfolio management

Communication skills

Education

Post Graduate degree

Tools

Moody’s Credit Lens

MS Excel

Job description

Job Title: Credit analysis & review (Assistant Director)

• Location : Pune (work from office)
• Work hours: 11 AM to 8 PM IST
• Department : Lending Services
• Experience Level: 12+ yrs

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 SLA’s.

Key Skills / 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 – Moody’s 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.
• Team handling exp. in required.

Key Competencies

• Post Graduate degree from an accredited university required.
• 12+ year’s 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 client’s requirements