Senior Associate – Risk – Private Credit Funds SKS Enterpprises

The Corporate Institute; Hinoba-an; On-site; PHP 1,193,000 - 1,989,000; Full time

Job summary

The Corporate Institute in Mumbai seeks a Senior Associate – Risk to evaluate investment opportunities in Private Credit Funds, focusing on credit risk, financial analysis and underwriting. You will work across distressed, real estate, infrastructure and other private credit strategies with senior risk oversight.

Ideal candidates have 6–8 years in credit risk or underwriting, strong cash flow and leverage modelling skills, and experience across NBFCs, ARCs or private credit funds.

Qualifications

• 6–8 years post-qualification experience in Credit/Investment Risk.
• Strong expertise in credit assessment, financial analysis and underwriting.
• Experience across NBFCs, ARCs, Private Credit Funds, AMCs or rating agencies.

Responsibilities

• Assess investment proposals and identify key risk areas.
• Analyze financial statements to gauge creditworthiness.
• Perform industry and peer comparisons; vet due diligence reports.
• Monitor risk across invested portfolios and escalate issues.

Skills

Credit assessment

Financial analysis

Risk evaluation

Investment underwriting

Structured Finance

Distressed Credit

Due diligence

Job description

Senior Associate – Risk (Private Credit Funds)

Mumbai

Experience : 6 – 8 Years of Experience

MANDATORY REQUIREMENTS:

• 6 – 8 years of post-qualification experience in Credit/Investment Risk, preferably across NBFCs, ARCs, Private Credit Funds, AMCs, Rating Agencies or Transaction Advisory.
• Strong expertise in credit assessment, financial analysis, risk evaluation and investment underwriting, including leverage, cash flows, projections and sensitivity analysis.
• Experience in Structured Finance, Special Situations/Distressed Credit, Infrastructure Finance, Real Estate Lending or Private Equity is highly preferred.

JOB ROLES & RESPONSIBILITIES:

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

QUALIFICATION & EXPERIENCE:

• 6 to 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.
• 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.