Rating Analyst

Brickwork Ratings; Bengaluru; On-site; INR 800,000 - 1,200,000; Full time

Job summary

A leading credit rating agency in Bengaluru is looking for an experienced professional to undertake rating assignments for financial instruments and bank loans. The role requires strong analytical skills, the ability to assess creditworthiness, and excellent communication skills to present findings. Candidates with financial analysis experience and knowledge in credit ratings are highly preferred. Proficiency in any South Indian language is an added advantage.

Qualifications

• Good domain knowledge in credit ratings and banking.
• Experience in financial analysis and creditworthiness assessment.
• Ability to present rating recommendations to committees.

Responsibilities

• Undertake rating assignments and deliver timely reports.
• Analyze financial statements for creditworthiness.
• Interact with management and collect data.
• Interact with company management, auditors, bankers, and lenders, and visit sites for data gathering.
• Carry out regular surveillance, monitoring, and reviews on a quarterly basis or as needed.
• Strictly adhere to standard operating procedures, regulations, and policies.

Skills

Analytical skills

Communication skills

Credit assessment

Interpersonal skills

Attention to detail

Proficiency in South Indian language

Accounting standards knowledge

Interpersonal skills

Attention to numbers

South Indian language knowledge

Education

Graduate/Post-Graduate in Finance or Commerce

CA/CFA or finance certification

Job description

Brickwork Ratings (BWR) is one of India’s leading credit rating agencies, committed to providing the investment community with products and services needed to make informed investment decisions. Established in 2007, Brickwork Ratings, a SEBI‑registered and RBI‑accredited credit rating agency, has Canara Bank as its promoter and strategic partner. BWR is headquartered in Bengaluru and has a pan‑India presence. The rating team is headed by highly experienced credit analysts and bankers.

BWR offers rating services to Bank Loans, NCD, Commercial Papers, Bonds, Mutual Funds, PPMLDs, and Security Receipts. BWR has rated over 100,000 large corporates, banks, financial institutions, state and local governments, and small businesses, providing investors and lenders with timely and in‑depth research across structured finance, public finance, financial institutions, project finance, and corporate sectors.

Roles and Responsibilities

• Undertake rating assignments for financial instruments, bank loans, and other debt products, ensuring timely delivery as per regulatory timelines.
• Independently handle rating assignments, analyzing financial statements by factoring quantitative and qualitative data points, key ratios, and performance to assess creditworthiness.
• Prepare rating reports covering risk assessment with respect to management, financials, business and industry, benchmarking with peers, and key rating considerations.
• Interact with company management, auditors, bankers, and other lenders, and visit companies and factories for monitoring and data gathering.
• Carry out regular surveillance, monitoring, and reviews on a quarterly basis or material event basis, tracking performance relative to macroeconomic changes, and handling internal and external audit queries.
• Strictly adhere to standard operating procedures, regulations, and policies.

Qualifications

• Good domain knowledge in credit ratings, banking, and financial services sector with an analytical approach.
• Assessment of the creditworthiness of mid‑corporate businesses.
• Good analytical and presentation skills to present facts and rating recommendations to rating committees.
• Good written and oral communication skills in English for report‑writing and presentations.
• Customer communication skills to elicit information, ask questions, communicate rating decisions, and convince stakeholders.
• Strong understanding of accounting standards, banking‑related financial concepts, and quantitative analytical skills.
• Interpersonal skills and ability to work with the larger team under guidance of mentor team members.
• Detail oriented and comfortable working with numbers.
• Proficiency in any South Indian language (preferably Telugu, Kannada, and/or Tamil) will be an added advantage.

Graduate/Post‑Graduate in Finance or Commerce, CA/CFA or any additional certification in Finance will be an added advantage.

Candidates with financial analysis of companies/ corporate credit experience will be given high priority.