FIG Credit Analysis

Acuity Analytics; Bengaluru Urban; On-site; INR 1,800,000 - 2,800,000; Full time

Job summary

Acuity Analytics in Bangalore (Bengaluru) is seeking a Delivery Lead/Manager with 5-10 years of experience in credit analysis and rating for Banks, Insurance, NBFCs, and other FI counterparties. The role focuses on analyzing financial statements, assessing credit worthiness, and delivering insightful credit reports.

You will manage client portfolios, coordinate with stakeholders, and ensure adherence to SOPs while driving process improvements across the loan lifecycle.

Qualifications

• Analyzing financial statements, performance and trend analysis to assess credit worthiness of Banks, Insurance, NBFCs and other FI counterparties.
• Managing a portfolio of clients and handling rating assignments.
• Preparing credit reports by including counterparty profile, key rating considerations, credit risk assessment, CAMEL-based financial analysis.

Responsibilities

• Analyze business models, identify strengths, weaknesses, risks, and understand revenue models and corporate structure of counterparties.
• Adhere to SOPs and policies including compliance documentation.
• Maintain strong client relationships and monitor adherence to client SLAs and policies.

Skills

Credit Analysis

Credit Rating

Portfolio Management

CAMEL Analysis

Financial Statement Analysis

Stakeholder Management

Regulatory Compliance

Education

CA / MBA Finance / CFA / M.Com

Job description

Job Title: Credit Analysis/Ratings (FIG) ( Delivery Lead/ Manager)

Acuity Analytics is currently looking for experienced professionals (5-10 years) with experience into Credit Analysis & Rating in FIG sector (Financial Institutions Group) to join our growing team in Bangalore!

• Location: Bangalore/ Gurgaon (work from office)
• Work hours: 10am to 7pm IST
• Experience Level: 5-10 years

Key Skills/ Responsibilities

• Analyzing financial statement, performance and trend analysis for assessing the credit worthiness of the Banks, Insurance, NBFC’s and other Financial Institution counterparties.
• Managing a portfolio of clients and handling rating assignments.
• Preparing credit reports by including profile of the counterparty, key rating considerations, credit risk assessment, CAMEL based financial analysis (including profitability, capitalization, liquidity etc)
• 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.
• Strong understanding of credit principles, policies and regulations for Banks and Financial Institutions counterparties.
• Qualified Chartered Accountant or MBA Finance or CFA or M. Com or equivalent degree.
• Excellent written & verbal communication skills and ability to build effective relationships with various stake holders.
• Ability to multi-task independently under tight timelines and eye for details.
• 4 - 10 year’s relevant experience in the field of credit analysis for Financial Institution.
• Analyze and deliver assigned deals/tasks within committed timelines
• Update required trackers with latest status/updates
• Responsible for value-add deliverables across different process within loan life cycle
• Identify ways for improvement in efficiency gains and process improvement
• Responsible for adherence to client SLAs and Policies
• Perform ad-hoc tasks with detailed understanding on client requirement within stipulated timelines
• Responsible for on-time identification and escalation of risks and mitigants