Credit Analyst

Role Overview

Credit Analyst

Key Responsibilities

• Conduct in-depth credit analysis of corporates, NBFCs, banks, and infrastructure projects.
• Review and analyze financial statements, management discussion & analysis (MD&A), cash flow trends, debt servicing ability, and key risk indicators.
• Independently prepare credit appraisal memos with detailed ratings rationale and outlook.
• Evaluate credit ratings from agencies such as CRISIL, ICRA, CARE, etc., and interpret rating rationales.
• Monitor industry trends and macroeconomic indicators that impact issuer risk.
• Work closely with fixed-income investment teams and provide credit inputs for bond/CP investments.
• Assist in portfolio surveillance, trigger event analysis, and updating internal risk scoring models.
• Ensure compliance with internal credit policies and SEBI/RBI regulatory norms.

Candidate Profile

• Education

  : MBA (Finance) / CFA (preferred).

• Experience

  : 2–5 years of experience in credit analysis roles, preferably from

  CRISIL, ICRA, CARE, India Ratings, Brickwork

  , or similar rating agencies.

• Technical Skills

  :
• Strong financial statement analysis and credit rating methodology exposure.
• Understanding of financial covenants, credit rating triggers, and structured finance.
• Good command over Excel, databases like Bloomberg / CMIE / Capitaline.

• Soft Skills

  :
• Strong written and verbal communication.
• High attention to detail and analytical mindset.
• Ability to work independently and in cross-functional teams.