Lead Analyst - Credit Analysis - Asset Backed Lending

Crisil; Gurugram District; On-site; INR 2,800,000 - 4,200,000; Full time

Job summary

Crisil is seeking an experienced professional with 8-11 years in asset-backed lending (ABL) to lead teams on ABL transactions, ensuring compliance with regulatory frameworks and internal risk policies.

The role focuses on credit risk assessment, collateral management, and delivering high-quality analyses for global banking clients, while mentoring junior analysts and driving client satisfaction.

Qualifications

• 8–11 years of experience in commercial lending focusing on asset-backed lending for global banks.
• Postgraduate degree required; MBA/CA/CFA preferred.

Responsibilities

• Lead team of analysts, undertaking workflow management, quality checks of outputs and providing constructive feedback.
• Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters.
• Prepare detailed credit assessment reports for ABL borrowers including business & management analysis, financial spreading/modelling, borrowing base calculations, availability tracking, collateral assessment, covenant monitoring, trend cards preparation, obligor risk grading and site evaluation.
• Ensure robust governance and oversight through appropriate workflow planning, resource utilization, quality assurance and client satisfaction.
• Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants.
• Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback.
• Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise.
• Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement.
• Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates.
• Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively.

Skills

Asset-backed lending

Credit risk assessment

Team leadership

Financial modelling

Stakeholder management

Communication skills

Education

MBA/CA/CFA

Tools

LoanIQ

nCino

Moody’s CreditLens

Solifi

Capital IQ

Job description

We are seeking an experienced professional with 8-11 years of demonstrated expertise in asset-backed lending (ABL), preferably US clients. The ideal candidate must be a postgraduate and must have a robust understanding of ABL credit risk assessment and collateral management. Candidate will lead teams working on asset-backed lending transactions, ensuring compliance with regulatory frameworks and internal risk policies.

Key Roles & Responsibilities

Key Responsibilities:

Roles and responsibilities

• Lead team of analysts, undertaking workflow management, quality checks of outputs and providing constructive feedback
• Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters
• Prepare detailed credit assessment reports for ABL borrowers including business & management analysis, financial spreading/modelling, borrowing base calculations (excess availability analysis, debtors aging analysis), availability tracking, collateral assessment (eligibility review), covenant monitoring, trend cards preparation, obligor risk grading and site evaluation
• Ensure robust governance and oversight through appropriate workflow planning, resource utilization, quality assurance and client satisfaction
• Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants
• Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback
• Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise
• Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement
• Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates
• Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively

Client Engagement

• As a subject matter expert in the ABL space, participate in customer facing meetings
• Responsible for understanding customer needs in ABL risk assessment and portfolio monitoring
• Engage in new client pilots, solution and review processes for new opportunities
• Develop, maintain and foster strong client relationships and lead multiple client engagements independently
• Document market feedback regarding experience with Crisil’s solutions and desired enhancements

Essential Skills & Qualifications Required

• MBA/CA/CFA
• 8-11 years of experience in commercial lending focussing on asset-backed lending for global banks
• Team management and problem-solving skills, with experience of leading teams
• Working experience on systems like – Loan IQ, nCino, Moody’s CreditLens, Solifi (formerly Stucky ABL) and Capital IQ etc.
• Advanced Excel and financial modelling capabilities
• Strong stakeholder management and presentation skills
• Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution

Essential Skills & Qualifications Required

We are seeking an experienced professional with 8-11 years of demonstrated expertise in asset-backed lending (ABL), preferably US clients. The ideal candidate must be a postgraduate and must have a robust understanding of ABL credit risk assessment and collateral management. Candidate will lead teams working on asset-backed lending transactions, ensuring compliance with regulatory frameworks and internal risk policies.

Key Roles & Responsibilities

Key Responsibilities:

Roles and responsibilities

• Lead team of analysts, undertaking workflow management, quality checks of outputs and providing constructive feedback
• Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters
• Prepare detailed credit assessment reports for ABL borrowers including business & management analysis, financial spreading/modelling, borrowing base calculations (excess availability analysis, debtors aging analysis), availability tracking, collateral assessment (eligibility review), covenant monitoring, trend cards preparation, obligor risk grading and site evaluation
• Ensure robust governance and oversight through appropriate workflow planning, resource utilization, quality assurance and client satisfaction
• Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants
• Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback
• Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise
• Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement
• Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates
• Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively

Client Engagement

• As a subject matter expert in the ABL space, participate in customer facing meetings
• Responsible for understanding customer needs in ABL risk assessment and portfolio monitoring
• Engage in new client pilots, solution and review processes for new opportunities
• Develop, maintain and foster strong client relationships and lead multiple client engagements independently
• Document market feedback regarding experience with Crisil’s solutions and desired enhancements

Essential Skills & Qualifications Required

• MBA/CA/CFA
• 8-11 years of experience in commercial lending focussing on asset-backed lending for global banks
• Team management and problem-solving skills, with experience of leading teams
• Working experience on systems like – Loan IQ, nCino, Moody’s CreditLens, Solifi (formerly Stucky ABL) and Capital IQ etc.
• Advanced Excel and financial modelling capabilities
• Strong stakeholder management and presentation skills
• Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution