Senior Research Analyst

Crisil; Chennai; On-site; INR 1,600,000 - 2,100,000; Full time

Job summary

Crisil is seeking a Senior Analyst to lead wealth credit transaction management for high-net-worth clients. You will act as execution and quality lead across complex lending products, ensuring accurate configuration and lifecycle oversight.

Responsibilities include reviewing credit documents, leading facility setup, covenant and collateral monitoring, and mentoring junior analysts while supporting regulatory data remediation where needed.

Qualifications

• 5–10 years of experience in wealth credit operations or complex lending.
• Experience with margin/Lombard or bespoke secured lending structures is preferred.
• Hands-on with loan systems and credit platforms.

Responsibilities

• Act as execution and quality lead for wealth credit transactions.
• Review and translate credit/legal documents into system configurations and monitoring rules.
• Lead facility setup, booking validation, and lifecycle events.
• Monitor covenants and collateral including breaches and remediation.
• Mentor analysts and provide training to new joiners.
• Support regulatory data remediation initiatives as needed.

Skills

Wealth credit operations

Transaction management

Complex lending operations

Audit/regulator awareness

Tools

Loan IQ

Flexcube

AFS

Job description

Senior Analyst – Wealth Credit Transaction Management (5–10 years)

Primary Roles & Responsibilities

• Act as a key execution and quality lead for UHNIs across Wealth Credit transaction management activities, supporting complex and non-standard Products - Securities (Margin\\Lombard) Lending, Real Estate backed Lending (CRE), Tailored (Structured) Lending, Professional Practice Financing.
• Independently review and interpret credit and legal documentation like credit agreement, Approval memo, Term Sheets, Security and Pledge agreement, UCC Filing etc, translating approved terms into system-ready configurations and monitoring rules.
• Lead facility setup, booking validation, and lifecycle event management, including amendments, renewals, and restructures.
• Perform and oversee covenant and collateral monitoring such as LTV checks, margin monitoring including breach identification, escalation, and remediation coordination.
• Serve as a checker and mentor for analysts, ensuring accuracy, control adherence, timely delivery and provide training and guidance to new joiners.
• Support regulatory-driven data remediation and reconciliation efforts (e.g., Y-14, SNC, FR Y-2052a) where transaction data feeds into reporting.

Experience & Skill Set Required

• 5–10 years of experience in wealth credit operations, transaction management, or complex lending operations, with exposure to Private Banking or Investment Finance portfolios.
• Strong understanding of wealth lending structures, including margin/Lombard facilities, bespoke secured lending, SPVs, trusts, and holding company structures along with an understanding of underwriting process.
• Hands-on experience with loan systems and credit platforms (Loan IQ, Flexcube, AFS or similar).
• Proven experience in covenant tracking, collateral monitoring, exception handling, and lifecycle oversight.
• Ability to implement tasks and projects with minimal supervision, exercise judgment on non-standard transactions, and operate in audit and regulator facing environments.