Senior Research Analyst - Credit Analysis - Asset Backed Lending

Crisil; Gurugram District; On-site; INR 1,200,000 - 2,000,000; Full time

Job summary

Crisil is seeking an experienced professional with 4-7 years in asset-backed lending, specifically working with US clients. The candidate will prepare credit assessments and perform borrowing analyses, ensuring the accuracy of collateral evaluations.

Requirements include a postgraduate degree and familiarity with tools like Loan IQ and advanced financial modelling skills. Excellent communication and stakeholder management abilities are essential. This role is based in Gurugram, India.

Qualifications

• 4-7 years of experience in commercial lending focusing on asset-backed lending for global banks.
• Advanced Excel and financial modelling capabilities required.
• Strong presentation and communication skills necessary.

Responsibilities

• Prepare comprehensive credit assessment reports for ABL borrowers.
• Perform detailed borrowing base analyses.
• Conduct monthly collateral assessments.
• Review and summarize key deal terms and covenants.
• Ensure high-quality and timely deliverables.

Skills

Asset-backed lending expertise

Credit risk assessment

Stakeholder management

Financial modelling

Organizational skills

Communication skills

Education

MBA/CA/CFA

Tools

Loan IQ

nCino

Moody’s CreditLens

Solifi (formerly Stucky ABL)

Capital IQ

Excel

Job description

We are seeking an experienced professional with 4-7 years of demonstrated expertise in asset‑backed lending (ABL), preferably with US clients. The ideal candidate must hold a postgraduate degree and possess a robust understanding of ABL credit risk assessment and collateral management.

Key Responsibilities

• Prepare comprehensive credit assessment reports for ABL borrowers, covering business and management analysis, financial spreading and modelling, availability tracking, covenant monitoring, trend card preparation, obligor risk grading, and site evaluation reviews.
• Perform detailed borrowing base analyses, including excess availability and debtors aging, to accurately determine net collateral availability and liquidity position of borrowers.
• Conduct monthly collateral assessments, including eligibility reviews, and analyze variances between borrower‑reported figures and system‑generated outputs to ensure accuracy and compliance.
• Demonstrate a strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants.
• Ensure high‑quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback.
• Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise.
• Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement.
• Serve as a subject‑matter expert in the ABL domain, participating in client‑facing discussions and providing insights on credit and collateral‑related matters.
• Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates.
• Demonstrate the ability to work independently in a high‑pressure, deadline‑driven environment, managing multiple priorities effectively.

Essential Skills & Qualifications

• MBA/CA/CFA.
• 4‑7 years of experience in commercial lending focusing on asset‑backed lending for global banks.
• Working experience on systems such as Loan IQ, nCino, Moody’s CreditLens, Solifi (formerly Stucky ABL), and Capital IQ.
• Advanced Excel and financial modelling capabilities.
• Strong stakeholder management and presentation skills.
• Excellent organization, oral, and written communication skills with the ability to listen to requirements and business problems to respond with appropriate solutions.

Location: Gurgaon