Growthally Advisors – Analyst – Debt Syndication GrowthAlly Advisors

The Corporate Institute; Mumbai; On-site; INR 800,000 - 1,400,000; Full time

Job summary

Growthally Advisors is seeking an Analyst – Debt Syndication to support credit analysis, financial modelling, and debt structuring for corporate clients. You will evaluate cash flows, prepare proposals, and coordinate with banks, NBFCs, AIFs, and private credit funds.

You will work with senior bankers to understand borrower businesses, assess creditworthiness, and help structure suitable debt solutions across term loans, project finance, refinancing and private credit.

Qualifications

• MBA/PGDM in Finance or equivalent preferred.
• CA/CA Inter or CFA considered as strong credential.
• Finance degree with strong analytical background required.

Responsibilities

• Analyse credit profiles of prospective borrowers and assess risks.
• Build financial models and perform scenario analysis for debt funding.
• Prepare credit proposals, information memorandums and lender presentations.
• Coordinate with lenders and internal teams to drive transaction execution.
• Maintain transaction MIS and trackers with high accuracy.

Skills

Financial analysis

Credit appraisal

Debt products

Excel skills

Attention to detail

Presentation skills

Education

MBA / PGDM – Finance

CA / CA Inter

CFA

M.Com / B.Com / BBA – Finance

Tools

PowerPoint

MS Excel

Financial modelling tools

Job description

Analyst – Debt Syndication

Location: Andheri East, Mumbai

Experience: 1 – 5 Years

Function: Debt Syndication / Credit Analysis / Debt Capital Markets

Employment Type: Full-time

About Growthally Advisors:

Growthally Advisors is a leading investment banking and financial advisory firm with over 15 years of experience in delivering comprehensive financial solutions to businesses across India.

The firm specializes in:

• Debt Syndication
• Equity Advisory
• Mergers & Acquisitions (M&A)
• Leasing Solutions
• Growth CFO Services

Led by a distinguished team of Chartered Accountants, former senior bankers, and MBA professionals, Growthally Advisors is recognized for its execution excellence, deep financial expertise, and client-centric approach.

With a growing team of 50+ professionals and a pan-India presence, the firm partners with corporates across diverse industries and growth stages.

About the Role:

We are looking for a detail-oriented and analytically strong Analyst – Debt Syndication to join our Debt Syndication / Debt Capital Markets (DCM) team.

The role involves credit assessment, financial analysis, transaction evaluation, debt structuring support and execution of corporate debt fundraising transactions.

The candidate will work closely with senior investment banking professionals to understand borrower businesses, analyse financial performance and cash flows, assess creditworthiness, evaluate funding requirements and prepare transaction materials for banks, NBFCs, AIFs, private credit funds and institutional investors.

The role provides exposure to corporate debt transactions across a wide range of financing requirements, including term loans, working capital, structured debt, refinancing, project finance, acquisition finance, NCDs/bonds and private credit.

Key Responsibilities:

1. Credit Analysis & Appraisal:

• Analyse the financial performance and credit profile of prospective corporate borrowers.
• Review and interpret: Balance Sheet, Profit & Loss Statement, Cash Flow Statement, CMA Data, Audited Financial Statements, Provisional Financials, Financial Projections.
• Assess the company’s business model, industry position, operating performance and financial strength.
• Identify key credit risks, business risks and financial risks.
• Prepare detailed credit assessment and borrower analysis reports.

2. Financial Analysis:

• Analyse key financial and credit parameters including: Debt/Equity, Net Debt/EBITDA, Interest Coverage Ratio, DSCR, FCCR, Cash Flow/Debt, Current Ratio, Working Capital Cycle, Profitability and cash flow metrics.
• Analyse historical performance and projected financials.
• Evaluate debt servicing capacity and repayment ability.
• Conduct sensitivity and scenario analysis on key assumptions.
• Identify trends, deviations and potential red flags in financial performance.

3. Debt Structuring Support:

• Understand the borrower’s funding requirement and existing capital structure.
• Assist in evaluating suitable debt financing options.
• Support senior team members in structuring appropriate debt solutions based on funding requirement, cash flows, existing debt, security/collateral, repayment capacity and lender appetite.
• Assist in lender mapping and identifying suitable banks, NBFCs, AIFs and private credit funds.

4. Transaction Execution:

• Support debt transactions across: Term Loans, Working Capital, Structured Debt, NCDs / Bonds, Refinancing, Acquisition Finance, Project Finance, Private Credit / Structured Finance.
• Prepare and maintain transaction-related financial models and analysis.
• Prepare transaction teasers, company profiles, financial summaries and Information Memorandums.
• Assist in preparing lender presentations and credit proposals.
• Coordinate with internal teams for data collection and transaction analysis.
• Support discussions with lenders/investors by providing required financial and credit information.
• Track lender queries and coordinate responses with the client/internal team.
• Assist in monitoring transactions from initial assessment – mandate – structuring – lender engagement – sanction – documentation – disbursement.

5. Industry & Company Research:

• Conduct industry and sector research for prospective transactions.
• Analyse industry trends, competitive positioning and key business risks.
• Research comparable companies and relevant financial benchmarks.
• Prepare industry and company analysis for inclusion in transaction documents.

6. Documentation & MIS:

• Maintain accurate transaction trackers, financial data and credit analysis files.
• Ensure completeness and accuracy of financial information received from clients.
• Prepare regular transaction updates and MIS for senior management.
• Maintain databases of borrower financials, lender requirements and transaction information.

Key Performance Indicators:

• Quality and accuracy of credit analysis
• Timely completion of financial analysis and transaction assignments
• Quality of financial models and projections
• Accuracy of credit ratios and financial calculations
• Quality of lender presentations and transaction documents
• Turnaround time for credit appraisal and analysis
• Effective support in debt transaction execution
• Quality of industry and borrower research
• Ability to identify key credit risks and transaction issues

Candidate Profile:

1. Experience: 1 – 5 years in:

• Credit Analysis, Credit Appraisal, Debt Syndication, Corporate Banking, Investment Banking, Debt Capital Markets, Corporate Finance, Structured Finance, NBFC / Financial Services, Rating Agencies.

2. Qualification:

• MBA / PGDM – Finance preferred
• CA / CA Inter
• CFA
• M.Com / B.Com / BBA – Finance
• Equivalent qualification in Finance / Accounting

Must-Have Skills:

• Strong financial statement analysis skills
• Good understanding of credit appraisal and corporate finance
• Strong knowledge of financial ratios and credit metrics
• Understanding of CMA data and financial projections
• Good understanding of debt products and financing structures
• Strong MS Excel skills
• Ability to analyse cash flows and debt servicing capacity
• Strong analytical and numerical ability
• Excellent attention to detail
• Good report writing and presentation skills
• Ability to work with large volumes of financial information
• Strong communication and coordination skills
• Ability to work under tight deadlines

Preferred Skills:

• Financial modelling experience
• Exposure to debt syndication / loan syndication
• Experience in preparing credit appraisal notes or credit proposals
• Understanding of banking credit processes
• Knowledge of lender requirements and credit evaluation
• Exposure to transaction teasers, Information Memorandums and lender presentations
• Knowledge of PowerPoint and financial presentation preparation

Who Should Apply?:

This role is ideal for a professional who can confidently answer two critical questions:

1. Can I understand the financial strength, cash flows and creditworthiness of a corporate borrower?

2. Can I analyse the funding requirement and support the team in structuring a debt solution that lenders can fund?

If you have strong financial analysis skills, a sound understanding of credit and corporate finance, and an interest in working on live debt fundraising and investment banking transactions, we would like to hear from you.

Location: Andheri East, Mumbai