Financial Spreading Delivery Lead Delivery Manager

Acuity Analytics; Gurugram District; On-site; INR 800,000 - 1,200,000; Full time

Job summary

Acuity Analytics in Gurgaon (Work From Office) is seeking an experienced Financial Spreading professional to join the Lending Services team. You will analyze and spread financials to support credit evaluations for a US client, ensuring adherence to SLAs and high-quality deliverables.

The role expects 3–12 years of relevant experience, strong Excel skills, and knowledge of banking processes. It offers a dynamic, client-facing environment with定 regular project coordination.

Qualifications

• Experience in spreading and covenant monitoring.
• Strong knowledge of credit principles and regulations.
• Proficiency in MS Excel and financial modeling.

Responsibilities

• Analyze and spread financial statements in Moody’s RiskAnalyst / Creditlens / client templates.
• Evaluate income statements, balance sheets, and cash flows for credit appraisal.
• Interpret supplementary schedules and MD&A for detailed breakups.
• Normalize financial statements for exceptional items to derive true profitability.
• Compute Adjusted Net Worth, Recurring Cash Flows, debt service and other metrics.
• Review credit agreements and covenants; monitor compliance and reporting.
• Ensure 100% quality and meet deadlines; communicate with client.
• Support project scoping, staffing, and MIS reporting.

Skills

Spreading & covenants

Credit principles

Communication skills

US banking knowledge

Education

MBA (Finance)

CA/CPA

CFA

Tools

MS Excel

Job description

Job Description:

Job Title: Financial Spreading (Associate/ Sr Associate/ Delivery Lead/ Manager), GGN

• Location: Gurgaon (Work From Office)
• Work hours: 10am to 7pm IST
• Department: Lending Services
• Experience Level : 3-12 years
• 0-2 months' notice candidates preferred due to business need.

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 Responsibilities

• Analyzing and spreading the financial statements in Moody’s RiskAnalyst (MRA) / Creditlens / client customized templates
• Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process
• Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments
• Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures
• Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics
• Screening the credit agreements and analyzing the financial covenants applicable to the borrower
• Monitor Covenant compliance and reporting.
• Conduct detailed quality checks of client deliverables
• Managing capacity, efficiency and accuracy of the process
• The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans.
• Responsible for delivering 100% quality, Meeting strict deadlines and ability to work under pressure.
• Regular communication with the client to ensure the expectations are met
• Support with project scoping, client communication, resource staffing based on the requirement, end-to-end workflow management, MIS reporting, etc.

Key Competencies

• MBA (Finance) / CA (CPA equivalent) / CFA
• Experience of 3-12 years in spreading and covenant monitoring
• Strong understanding of credit principles, policies, and regulations
• Proficient in Advanced MS Excel
• Excellent written and spoken communication skills
• Experience of working for a US based bank will be an added advantage

Requirements: