Senior Analyst

Crisil; Maharashtra; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Crisil is seeking a credit risk analyst to analyze and evaluate the creditworthiness of companies by examining financial statements, industry trends, and market conditions. The role involves gathering data from financial statements, regulatory filings, and market research reports, and assessing borrowers' ability to meet debt obligations.

You will stay updated on market trends and regulatory changes, perform comprehensive risk analyses—including governance, compliance, and litigation checks—and

Responsibilities

• Analyze and evaluate the creditworthiness of companies, including their financial statements, industry trends, and market conditions.
• Gather and analyze data from various sources, including financial statements, regulatory filings, and market research reports.
• Assess and evaluate the creditworthiness of borrowers, including their ability to meet debt obligations.
• Stay up-to-date with market trends, regulatory changes, and industry developments.
• Conduct comprehensive credit/counterparty risk analyses including governance, compliance, litigation checks and financial analysis of corporates.
• Analyse past and projected financial performance, including profit & loss, balance sheet, cash flow, ratio analysis and benchmarking against peers.
• Engage with CEOs/MDs/CFOs for deep-dive discussions on business dynamics and strategic plans.
• Undertake data mining from sources like media, regulatory sites, reports, and industry publications.
• Prepare concise reports highlighting key risks, grading parameters, trends, gaps, and actionable observations for clients.
• Ensure adherence to defined processes and timelines and maintain high data and analytical quality in reports.

Skills

Credit risk analysis

Financial statement analysis

Regulatory knowledge

Industry research

Data mining

Stakeholder interviews

Job description

• Analyze and evaluate the creditworthiness of companies, including their financial statements, industry trends, and market conditions
• Gather and analyze data from various sources, including financial statements, regulatory filings, and market research reports
• Assess and evaluate the creditworthiness of borrowers, including their ability to meet debt obligations
• Stay up-to-date with market trends, regulatory changes, and industry developments
• Credit/risk analysis, counterparty assessments involving rigorous credit and counterparty risk analysis encompassing industry / business research, transparency/regulatory compliance, litigation checks and financial analysis of various corporates.
• Analyse Company’s financial performance include;
  • Past financial performance which includes profit & loss, balance sheet, cash flow/fund flow, ratio analysis & benchmark these against peer performances
  • Analysis of fund diversions/related party transactions
  • Bank statements/GST data/ credit bureau data analysis
  • Projected future performance of the company
• Thorough virtual or face to face interactions with high profile individuals and teams of professionals like CEOs/MDs/CFOs of corporates from various sectors for understanding business dynamics, strategies and plans
• Undertake data mining from sources such as media, regulatory websites, research publications, periodicals, industry sources, respective company reports, etc.
• Prepare reports that cogently capture the information available with respect to the credit, compliances highlighting key risks and grading parameters along with relevant analytical observations, trends, and queries for the client, information gaps, etc.
• Ensure adherence to set processes and timelines

Maintain a high level of data and analytical quality in report preparation