Credit Analyst

About the job

Job Title:

Experience:

Location:

Department:

Role Overview:

FIG Underwriter

Key Responsibilities:

• Prepare and analyze

  credit memos

  , including financial spreads, peer benchmarking, and risk assessments.
• Evaluate the creditworthiness of FIG clients through in-depth analysis of

  financial statements

  ,

  regulatory filings

  , and

  industry trends

  .
• Conduct

  due diligence

  and support relationship managers in structuring new transactions or renewals.
• Monitor portfolio performance and perform periodic

  credit reviews

  ,

  covenant monitoring

  , and

  risk rating adjustments

  .
• Collaborate with stakeholders across

  risk, compliance, legal

  , and

  front office

  teams to ensure credit decisions align with internal policies.
• Stay updated on

  regulatory changes

  , macroeconomic factors, and sector-specific developments affecting FIG clients.
• Support ad-hoc credit projects, reporting, and audits as required.

Required Qualifications:

• 2–4 years of experience in

  credit underwriting

  ,

  credit risk

  , or

  financial analysis

  , preferably within

  FIG

  or

  corporate banking

  .
• Strong understanding of

  banking

  ,

  insurance

  ,

  NBFC

  , or

  financial services

  industry dynamics.
• Solid knowledge of

  credit risk principles

  ,

  financial statement analysis

  , and regulatory frameworks (e.g., Basel norms, RBI guidelines).
• Proficiency in MS Excel, PowerPoint, and credit systems; experience with Bloomberg, Capital IQ, or other financial databases is a plus.
• Excellent communication skills, both written and verbal, with an ability to present findings to senior stakeholders.

Preferred Qualifications:

• MBA (Finance) / CA / CFA Level 2+ preferred.
• Exposure to

  international credit frameworks

  or

  multi-country portfolios

  is a plus.
• Experience working with global banks or large NBFCs is advantageous.