Senior Credit Research Analyst – Financial Modelling

Upgrad Rekrut; Mumbai; On-site; INR 800,000 - 1,200,000; Full time

Job summary

A leading financial services company in Mumbai is seeking a highly skilled Senior Credit Research Analyst. The ideal candidate will possess 3-6 years of experience in credit research, credit assessment, and financial modeling. You will conduct thorough analyses, evaluate credit qualities, and prepare detailed reports. Strong analytical and research skills are essential for success in this role, along with a relevant degree and proficiency in analytical tools.

Qualifications

• 3-6 years of experience in credit research, assessment, and financial modeling.
• Strong understanding of financial statements and credit rating methodologies.
• Professional certifications such as CFA, FRM, or equivalent.

Responsibilities

• Conduct thorough research and analysis of companies to assess creditworthiness.
• Evaluate the credit quality of potential and existing counterparties.
• Build and maintain detailed financial models to project future performance.

Skills

Credit research

Financial modeling

Analytical skills

Research skills

Risk assessment

Education

Bachelor’s or Master’s degree in Finance, Economics, Accounting

Tools

Excel

Financial databases

Job description

Overview

Senior Credit Research Analyst – Financial Modelling

We are seeking a highly skilled and motivated Credit Research Analyst to join our dynamic team in Mumbai. The ideal candidate will have 3-6 years of experience in credit research, credit assessment, financial modeling, credit rating, and counterpart risk assessment. This role requires a strong analytical mindset, excellent research skills, and the ability to produce detailed and accurate reports.

Responsibilities

• Credit Research & Analysis: Conduct thorough research and analysis of companies and sectors to assess creditworthiness.
• Credit Research & Analysis: Analyze financial statements, market data, industry trends, and economic factors affecting credit risk.
• Credit Assessment: Evaluate the credit quality of potential and existing counterparties.
• Credit Assessment: Perform qualitative and quantitative assessments to determine credit ratings.
• Credit Assessment: Develop credit risk profiles and identify key risk factors.
• Financial Modeling: Build and maintain detailed financial models to project future performance and assess financial health.
• Financial Modeling: Use financial models to simulate different scenarios and their impact on creditworthiness.
• Credit Rating: Assign and monitor internal credit ratings based on established methodologies.
• Credit Rating: Prepare comprehensive credit rating reports and present findings to senior management.
• Counterpart Risk Assessment: Conduct counterpart risk assessments, including the evaluation of financial and non-financial risks.
• Counterpart Risk Assessment: Monitor counterparties for changes in credit quality and recommend appropriate risk mitigation strategies.
• Reporting: Prepare detailed credit reports, research notes, and presentations for internal and external stakeholders.
• Reporting: Ensure all reports are accurate, well-organized, and submitted in a timely manner.
• Collaboration & Communication: Work closely with other analysts, portfolio managers, and risk management teams to share insights and recommendations.
• Collaboration & Communication: Communicate effectively with stakeholders to provide clarity on credit decisions and risk assessments.

Qualifications

• Bachelor’s or Master’s degree in Finance, Economics, Accounting, or a related field.
• 3-6 years of experience in credit research, assessment, and financial modeling.
• Strong understanding of financial statements, credit rating methodologies, and risk assessment techniques.
• Proficiency in financial modeling and analysis tools (e.g., Excel, financial databases).
• Excellent analytical, research, and problem-solving skills.
• Ability to work independently and as part of a team in a fast-paced environment.
• Preferred Skills:
• Experience with credit rating agencies or financial institutions.
• Knowledge of regulatory requirements related to credit risk.
• Professional certifications such as CFA, FRM, or equivalent.