Senior Associate – Corporate Credit Risk – Banking/Financial Services ARIN CONSULTANCY

The Corporate Institute; Mumbai; On-site; INR 2,400,000 - 4,000,000; Full time

Job summary

The Corporate Institute in Mumbai is seeking a seasoned Risk professional to join the risk division. The role focuses on evaluating investment proposals, identifying key risk factors, and ensuring robust risk controls across business units.

You will analyze financial statements, perform industry and peer comparisons, and monitor risk in the invested portfolio. A CA/MBA/CFA or equivalent and 6–8 years of post-qualification experience are preferred; sector experience in credit/equity research is

Qualifications

• CA/MBA/CFA or equivalent from reputed institute.
• 6–8 years post-qualification experience in credit rating or credit risk underwriting.
• Experience in structured finance, distressed credit, infrastructure lending, or private equity would be an added advantage.

Responsibilities

• Evaluate investment proposals to highlight key risk areas across diverse funds (distress, real estate, infrastructure).
• Analyze business risks (industry and company-specific) and financial statements to assess creditworthiness.
• Perform industry analysis and peer comparison; vet assumptions in projections and conduct sensitivity analysis.
• Highlight structural risks and suggest mitigating measures; review due diligence reports.
• Support risk team in establishing processes, policies, frameworks and ensure proper controls.
• Foster collaboration across business groups to maintain compliance and risk-aware culture.

Skills

Finance & accounting concepts

Credit risk assessment

Industry analysis

Communication skills

Analytical mindset

Education

CA / MBA / CFA or equivalent

Job description

Role objective:

To support the Risk function and ensure proper risk management practices at all levels of business.

Reporting Authority:

Director – Risk.

Education:

CA / MBA / CFA or equivalent from reputed institute.

Experience:

6 – 8 years of post-qualification experience preferably in Credit Rating, Credit / Investment risk underwriting in Wholesale Banking / NBFCs / ARCs / Private Credit Funds / AMCs / Transaction Advisory / etc., across diverse sectors. Prior experience in Structured Finance, Special Situations / Distressed Credit, Infrastructure Project Finance, Real Estate lending, Private Equity, etc. would be an added advantage.

Job Description:

We are looking for a dynamic and result oriented candidate for the risk division.

The candidate would be responsible to:

• Evaluate investment proposals to highlight key risk areas in deals across diverse funds (Distress, special opportunity, real estate, and infrastructure). Responsibilities include:
  • i. Analysis of business risks (industry and company specific)
  • ii. Financial statement analysis to evaluate the credit worthiness of the company and highlight important financial strengths and weaknesses
  • iii. Industry analysis / Peer comparison
  • iv. Vetting assumptions in financial projections and perform sensitivity analysis of key assumptions
  • v. Highlight structural risks and recommend mitigating measures
  • vi. Review due diligence reports
• Risk monitoring (Monthly / Quarterly / Annual) for invested portfolio and promptly alert senior management to significant risk issues.
• Timely capturing of the news alerts and feeds relevant to the investee companies and the underlying industries.
• Evaluating due diligence, debenture trust deeds and other documents and communicating observations to investment team.
• Assisting the risk team in establishing processes / policies / frameworks and ensuring proper controls across business groups.
• Fostering a partnership among the various business and support groups to create a compliant business environment and culture.

Skill Sets:

Functional Skills:

• Strong understanding of finance and accounting concepts, especially adjustments in cash flow and leverage metrics.
• Ability to identify key characteristics and drivers of diverse sectors / businesses.
• Knowledge of risk assessment and control.
• Prior experience in credit risk assessment, credit research or equity research will be an additional advantage.

Soft skills:

• Excellent communication and presentation skills.
• Analytical mind with problem solving aptitude.