Senior Rating Analyst - ARC role

Crisil; Mumbai; On-site; INR 1,500,000 - 2,100,000; Full time

Job summary

Crisil in Mumbai seeks a Senior Rating Analyst - Credit Rating (LCG) to independently manage a portfolio of Security Receipts ratings across corporate and retail stressed loans. You will analyze balance sheets, cash flows, and debt covenants while coordinating with senior management.

The role emphasizes preparing detailed rating reports, presenting to Crisil Ratings’ Rating Committee, and conducting client meetings with CXOs.

Qualifications

• Proficient in balance sheet, P&L and cash flow analysis.
• Experience with stressed assets and real estate/retail sectors.
• Experience in client meetings and CXO discussions.

Responsibilities

• Independent handling of Security Receipts rating portfolio across corporate and retail stressed loans.
• Prepare detailed rating reports and present to Rating Committee.
• Conduct in-person meetings with client senior management to discuss strategy and performance.
• Monitor portfolio and stay updated on market developments.

Skills

Balance sheet analysis

P&L analysis

Cash flow forecasting

Stressed loans knowledge

Client management

Presentation skills

Report writing

GenAI prompt writing

MS Excel

MS Word

MS PowerPoint

Education

CA/CFA / MBA

Tools

MS Excel

MS Word

MS PowerPoint

GenAI

Job description

Role: Senior Rating Analyst - Credit Rating (LCG)

Business: Ratings

Department: Large Corporate Group- Corporate Sector

Experience: 2 to 4 years

Job Role:Independent handling of portfolio of Security Receipts rating across corporate and retail stressed loans

Functional Skills / Knowledge

• Technical:
  • Good understanding of balance sheets, P&L statements and cash flows. Ability to build future cash flows and assess debt repayment ability
  • Strong understanding of stressed loans across key sectors like Real estate, Roads, Housing loans or any other retail loans.
  • Ability to understand contractual agreements including financial covenants, clauses and their repercussions
  • Knowledge of laws and regulations relating to stressed assets shall be added advantage
• Client Management / Stakeholder Management:
  • Ability to assist team in meeting preparation covering analysis of past trends and future projections
  • Undertake in-person meetings with senior management personnel at client side to discuss strategy, business and financial performance
• Writing and Presentation Skills:
  • Writing detailed rating reports to explain the rationale behind the rating
  • Making presentations to Crisil Ratings’ Rating Committee
  • Preparation of sector notes
  • Writing opinion pieces to cover developments / share outlook on various asset classes / sectors
• Regular Portfolio and Sector Monitoring
  • Monitoring and tracking the financial performance on quarterly basis aside from event-based reviews
  • Stay updated on the latest market developments and their implications

Candidate Profile

• Excellent oral and written communication skills primarily focused on managing client communication and report writing
• Ability to get execution of transactions under stringent timelines
• Has relevant experience in stressed assets management and recovery infrastructure
• Experience in handling CXO conversations at in-person meetings
• Proficient in GenAI prompt writing, MS-Excel, MS-Word, MS-Power Point

Education – CA/CFA / MBA