Credit Analyst

Job Description

About the job Job Title: FIG Underwriter (Financial Institutions Group) Experience: 2–4 Years Location: Bangalore Department: Corporate & Investment Banking / Credit Underwriting Role Overview: We are seeking a dynamic and detail-oriented FIG Underwriter to support credit underwriting and risk assessment for clients in the Financial Institutions Group (FIG) , including banks, insurance companies, NBFCs, asset managers, and fintechs. The ideal candidate will possess a strong foundation in financial analysis, credit risk, and sector-specific dynamics within FIG. 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.