87 Credit Research Jobs - Page 4

Wipro Limited (NYSEWIT, BSE507685, NSEWIPRO) is a leading technology services and consulting company focused on building innovative solutions that address clients’ most complex digital transformation needs. Leveraging our holistic portfolio of capabilities in consulting, design, engineering, and operations, we help clients realize their boldest ambitions and build future-ready, sustainable businesses. With over 230,000 employees and business partners across 65 countries, we deliver on the promise of helping our customers, colleagues, and communities thrive in an ever-changing world. For additional information, visit us at www.wipro.com. About The Role Business Unit Overview: The Liquid Credit Strategies Team (“LCS”) manages diversified portfolios of fixed income investments, primarily consisting of senior secured floating rate bank loans of non-investment grade companies. LCS also invests opportunistically across the capital structure in instruments including mezzanine debt, high yield bonds, distressed securities, convertible bonds, preferred stock and other credit-related instruments. The group manages and sub-advises over 75 funds accounts in US and Europe, including Collateralized Loan Obligations, Separately Managed Accounts, Commingled Funds, Closed End Funds and Business Development Companies. LCS also invests in the debt and equity tranches of CLOs. Responsibilities: The COE LCS credit analyst is an integral part of the investment team. The candidate will support the onshore LCS credit analysts in their daily work. The credit analyst will develop both quantitative and qualitative skills through the credit research process and will have the opportunity to gain exposure to a wide range of industries and investment types. As a result of the breadth of the experience, the credit analyst will develop a unique understanding of companies and capital structures. If a credit analyst demonstrates the ability to take on additional responsibilities, the onshore LCS team can evolve the role over time. Initial Responsibilities include: Work as part of a team-based structure, sourcing key data inputs to assist the lead LCS analyst in the evaluation of higher quality new credit investments in the US and European Primary and Secondary Credit Markets. Ability to learn alongside the lead LCS analyst who will perform a thorough analysis of the Borrowers’ business, industry drivers, inherent credit risks, and valuation/recovery prospects. Provide support for ongoing credit monitoring including the collection and storing of financials and diligence items from data rooms; enriching internal credit database with key deal statistics; enhancing declined deal statistics, in order to provide data to Marketing / PMs as to why we declined a deal and/or reference the deal vs. a peer. Respond to ad-hoc requests from the lead LCS credit analysts and provide relevant information as needed. Provide support to lead LCS analyst in updating and maintaining credit shell financials for higher quality credit names. In the medium / longer term - additional responsibilities could expand to include drafting of summary notes on earnings and newsworthy events. The LCS lead analyst will maintain sign-off of credit shell financials, summary notes, and commentary before distribution to the Portfolio Management teams. ? Desired Candidate Profile: The candidate should have basic experience working with US/European companies and having knowledge of US/European Financial Statements, Accounting Principles and Capital Structures. Candidates having experience in working with US/European Corporate Bonds, Financial Modelling will be an added advantage. The candidate should have hands on experience in working with or covering US/European credit companies. Strong Microsoft Office skills (MS Excel, MS PowerPoint and MS Word) with high proficiency in Microsoft Excel Highly motivated and the ability to effectively work as an individual contributor and possess strong analytical, problem solving, critical thinking and decision-making skills, multitask and deliver under tight deadlines The profile involves effective communication across Clients' facilities globally and hence possessing excellent interpersonal and communication skills in verbal and written English is a must. ? Deliver excellent customer service through effective diagnosis and troubleshooting of client queries Provide product support and resolution to clients by performing a question diagnosis while guiding users through step-by-step solutions Assist clients with navigating around product menus and facilitate better understanding of product features Troubleshoot all client queries in a user-friendly, courteous and professional manner Maintain logs and records of all customer queries as per the standard procedures and guidelines Accurately process and record all incoming call and email using the designated tracking software Offer alternative solutions to clients (where appropriate) with the objective of retaining customers’ and clients’ business Organize ideas and effectively communicate oral messages appropriate to listeners and situations Follow up and make scheduled call backs to customers to record feedback and ensure compliance to contract /SLAs ? Build capability to ensure operational excellence and maintain superior customer service levels of the existing account/client Undertake product trainings to stay current with product features, changes and updates Enroll in product specific and any other trainings per client requirements/recommendations Partner with team leaders to brainstorm and identify training themes and learning issues to better serve the client Update job knowledge by participating in self learning opportunities and maintaining personal networks ? Deliver NoPerformance ParameterMeasure1ProcessNo. of cases resolved per day, compliance to process and quality standards, meeting process level SLAs, Pulse score, Customer feedback2Self- ManagementProductivity, efficiency, absenteeism, Training Hours, No of technical training completed Reinvent your world. We are building a modern Wipro. We are an end-to-end digital transformation partner with the boldest ambitions. To realize them, we need people inspired by reinvention. Of yourself, your career, and your skills. We want to see the constant evolution of our business and our industry. It has always been in our DNA - as the world around us changes, so do we. Join a business powered by purpose and a place that empowers you to design your own reinvention. Come to Wipro. Realize your ambitions. Applications from people with disabilities are explicitly welcome.

Role:- Commercial Project Manager Location:- Gurgaon Project Management: Lead and manage projects throughout the entire project life cycle. Active involvement in sales and project initiation phases, including customer requirements analysis, commercial and contractual feasibility assessment, and ECC matters. Review and evaluation of contract conditions, including legal scrutiny. Conduct commercial project status meetings with stakeholders. Ensure the correct methodology for evaluating risks and opportunities is applied. Identify, evaluate, assess risks and opportunities, and develop appropriate response strategies. Ensure adherence to regulations, including the role of the CPM as per FRG, NCM guidelines, and specific regulations. Coordinate onshore and offshore allocations with the Project Manager. Ensure compliance with internal controls (RIC), including ICFR. Project Finances: Verify cost and pricing calculations and maintain accurate project books and records, including SAP data. Prepare commercial documentation for regular project status meetings and ensure data accuracy (FC, MIKA, cash flow). Manage asset management and initiate invoicing per project progress and contractual terms. Ensure compliance with Siemens FRG and local GAAP requirements. Oversee the application and management of financial guarantees, bonds, and project securities. Support the PM in identifying and minimizing non-conformance costs and implementing lessons learned. Risk, Contract, and Claims Management: Ensure compliance with LOA guidelines for commercial aspects and risk management processes. Participate in contract/claim/change order negotiations for commercial aspects. Establish a contract and claim management framework, involving the assigned CM when necessary. Summarize critical and legal elements, ensuring their consideration in partner/subcontractor contracts. Identify, assess, respond to, monitor, report, and escalate all commercial risks, such as calculations, tax, insurances, and currency. Communicate relevant commercial contractual obligations/conditions to project team members. Participate in the Change Management Authority (change control board) for change request review and approval. Perform credit risk analysis for potential customers, in collaboration with Global Procurement for suppliers. Compliance to Standards, Rules, and Regulations: Lead project members to adhere to Business Conduct Guidelines and promote a culture of trust and integrity. Ensure compliance with relevant tax regulations, including PATAC, NCM, and PE management. Compliance with export control regulations. Adherence to hedging/currency regulations. Support PM in establishing a framework for regular compliance checks in the project.

RoleCommercial Project Manager LocationGurgaon Project Management: Lead and manage projects throughout the entire project life cycle. Active involvement in sales and project initiation phases, including customer requirements analysis, commercial and contractual feasibility assessment, and ECC matters. Review and evaluation of contract conditions, including legal scrutiny. Conduct commercial project status meetings with stakeholders. Ensure the correct methodology for evaluating risks and opportunities is applied. Identify, evaluate, assess risks and opportunities, and develop appropriate response strategies. Ensure adherence to regulations, including the role of the CPM as per FRG, NCM guidelines, and specific regulations. Coordinate onshore and offshore allocations with the Project Manager. Ensure compliance with internal controls (RIC), including ICFR. Project Finances: Verify cost and pricing calculations and maintain accurate project books and records, including SAP data. Prepare commercial documentation for regular project status meetings and ensure data accuracy (FC, MIKA, cash flow). Manage asset management and initiate invoicing per project progress and contractual terms. Ensure compliance with Siemens FRG and local GAAP requirements. Oversee the application and management of financial guarantees, bonds, and project securities. Support the PM in identifying and minimizing non-conformance costs and implementing lessons learned. Risk, Contract, and Claims Management: Ensure compliance with LOA guidelines for commercial aspects and risk management processes. Participate in contract/claim/change order negotiations for commercial aspects. Establish a contract and claim management framework, involving the assigned CM when necessary. Summarize critical and legal elements, ensuring their consideration in partner/subcontractor contracts. Identify, assess, respond to, monitor, report, and escalate all commercial risks, such as calculations, tax, insurances, and currency. Communicate relevant commercial contractual obligations/conditions to project team members. Participate in the Change Management Authority (change control board) for change request review and approval. Perform credit risk analysis for potential customers, in collaboration with Global Procurement for suppliers. Compliance to Standards, Rules, and Regulations: Lead project members to adhere to Business Conduct Guidelines and promote a culture of trust and integrity. Ensure compliance with relevant tax regulations, including PATAC, NCM, and PE management. Compliance with export control regulations. Adherence to hedging/currency regulations. Support PM in establishing a framework for regular compliance checks in the project.

Basic Section No. Of Openings 1 External Title Credit Analyst Employment Type Permanent Employment Category Office Closing Date 06 Jun 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Credit Cards Department Credit Sub-Department Underwriting Generic Role Analyst External Title (Job Role) Credit Analyst Division Credit Cards Zone South State Tamil Nadu Region Tamil Nadu Area Chennai Cluster Chennai PT Location Chennai Branch Code 9999 Branch Name Head Office Skills Skill Sales Highest Education Bachelor of Science Working Language English Tamil About The Role Gathers and analyzes loan applicants financial data to evaluate risk. Assesses creditworthiness of individuals, companies, and institutions. Collaborates with other financial experts to approve or deny loans. Makes recommendations about whether to increase, adjust, extend, or close lines of credit. Undertakes risk analysis using regional, sector-specific, environmental, and other financial data. Prepares and presents credit reports. Completes quality assurance reviews. Gauges market trends. Monitors and adheres to collateral compliance covenants. Ensures that all loans are made in adherence with federal, state, and local financial regulations. Analyzes data to verify information and uncover fraud. Helps to update and improve credit rating criteria. Authors documents on credit risk and related financial matters. Communicates credit decisions and policies to fellow employees and credit applicants. Oversees or undertakes document preparation

Basic Section No. Of Openings 1 External Title Credit Analyst Employment Type Permanent Employment Category Field Closing Date 04 Jun 2025 Organisational Entity Equitas Small Finance Bank Business Unit Assets Division/Function (SBU) Credit Cards Department Credit Sub-Department Underwriting Generic Role Analyst External Title (Job Role) Credit Analyst Division Credit Cards Zone South State Tamil Nadu Region Tamil Nadu Area Chennai Cluster Chennai PT Location Chennai Branch Code 9999 Branch Name Head Office Skills Skill Sales Highest Education Master of Business Administration Working Language English Tamil About The Role Gathers and analyzes loan applicants financial data to evaluate risk. Assesses creditworthiness of individuals, companies, and institutions. Collaborates with other financial experts to approve or deny loans. Makes recommendations about whether to increase, adjust, extend, or close lines of credit. Undertakes risk analysis using regional, sector-specific, environmental, and other financial data. Prepares and presents credit reports. Completes quality assurance reviews. Gauges market trends. Monitors and adheres to collateral compliance covenants. Ensures that all loans are made in adherence with federal, state, and local financial regulations. Analyzes data to verify information and uncover fraud. Helps to update and improve credit rating criteria. Authors documents on credit risk and related financial matters. Communicates credit decisions and policies to fellow employees and credit applicants. Oversees or undertakes document preparation.

KEY ROLES & RESPONSIBILITIES The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions. Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Other activities include preparing industry databases and reports. Preparing a detailed peer analysis on the operating and financial side. Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances. Assist ADs/Director on pilot assignments and prepare collaterals. Engage with client teams proactively and suggest new ideas to enhance client engagement Support the client with any ad-hoc research requests including sector research Responsible for process initiatives and quality improvements of the team. Content review, mentor and train new hires in the team FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics. Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Willingness to be fungible across sectors and regions. Excellent report writing and communication skills. Ability to identify key characteristics and drivers of sectors assigned. Credit assessment and analysis (or financial analysis), including business, financial and management profiling. Experience in portfolio monitoring and credit analysis Good understanding of banking regulations, calculation of key credit metrics and capital ratios Reasonable understanding of banks internal systems PROBLEM SOLVING Identifies and resolves complex research issues and team problems Assist in solving complex problems related to financial modeling INTERACTIONS Team player and good team handling skills Excellent client management skills TYPICAL SCOPE & IMPACT Impacts the quality and effectiveness of own team MINIMUM & PREFERRED EDUCATION MBA or CA or Master’s degree preferred; CFA certification is a plus MINIMUM & PREFERRED EXPERIENCE / SKILLS 6 to 10 years of work experience High level of attention to detail and accuracy; Diligence and hard work Ability to work under stringent timelines Prior experience in credit research or credit risk assessment along with report writing experience is mandatory. Prior experience in GenAI, people and content management are a plus Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Good understanding of MS office products

About The Role : In Scope of Position based Promotions (INTERNAL only) Job Title- Credit Officer, Associate Location- Mumbai, India Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Experienced analyst for FI role. Role Summary Functional Responsibility/Domain Related • Support global Credit Analyst(s) to track the performance of a portfolio of Banks and Financial Institutions operating mostly in the European markets, and to respond to credit events with the purpose of enabling timely and accurate credit ratings and research • Track and understand industry, regional and regulatory dynamics and trends • Analyze financial and operational performance; work on financial models and projections; and conduct peer analysis • Prepare internal credit analysis and notes • Assist global Credit Analyst(s) in the preparation of publishable credit rating and research reports 1. Process Adherence • Follow defined processes in day-to-day execution of assignments • Ensure retention, documentation, and dissemination of knowledge • Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. • suggest that trading/holding in shares belonging to a Corporate entity/Infrastructure company is prohibited 2. Client Management/Stakeholder Management • Build and maintain strong relationships with international clients • Manage a wide range of requests from various global Credit Analysts • Understand and contribute proactively to client priorities Candidate Profile 1-3 OR 3-6 Years of relevant experience in credit analysis and ratings, credit research, and report writing, covering global markets (preferably European countries) or domestic markets for Banking Sector/ Financial Institute

Role & responsibilities Manage fixed income portfolios, ensuring alignment with investment objectives and risk tolerance. Conduct fundamental credit research and analysis of fixed income securities including G-secs, corporate bonds and other debt securities. Monitor and analyze macroeconomic indicators, interest rate trends, credit spreads and demand-supply dynamics of bonds to identify investment opportunities. Prepare investment notes, memos, and provide investment recommendations. Execute purchase and sale transactions for the portfolio. Manage and monitor performance, duration, credit exposures and other risks while ensuring compliance with limits and regulations. Prepare portfolio factsheets, presentations, client reports and performance commentaries. Regularly communicate with internal teams, clients and other stakeholders, providing updates on portfolio performance, market outlook and strategies. Preferred candidate profile Education: CA / CFA / MBA (Finance) / Postgraduate in Economics / Finance Experience: 37 years of experience in debt markets, credit research, or fixed income portfolio management Preference for candidates with prior exposure in PMS, mutual funds or wealth firms Strong understanding of fixed income products: G-Secs, SDLs, corporate bonds, money market instruments Sound knowledge of credit and interest rate risk Analytical mindset with financial modelling and valuation skills Proficiency in Excel, Bloomberg, and financial databases Attention to detail, strong communication, and ability to work under tight timelines

Position : Real Estate/Construction Sector Equity/Credit Rating Professional (8-14 yrs) Role and Requirements : - MBA with 8-14 yrs of experience - Should have extensive experience in equity/ credit rating/ credit research in the Indian Real Estate/Construction Sector and on Indian Companies in the Sector - Role will involve Sector Reports/ thought leadership on the sector as well as credit rating of proposals of companies in the sector - He/She should be able to write special reports on the Sector - Should have knowledge and experience in financial analysis/ credit appraisal/ credit rating/ equity research for the Indian Real Estate/Construction Sector - Excellent written and oral communication skills - Knowledge of financial analysis - Expertise in MS Suite of Products Location : Mumbai This position is for a Leading Credit Rating Agency

About The Role : We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Job Description- The primary responsibility would involve working closely with clients in understanding their requirement for investment deals in structured finance space. The individual would assist in managing the project and coordinating with IT to onboard/setup the transaction on our proprietary platform and ongoing monitoring. The individual would be involved in researching across various financials and legal agreements and also in monitoring and reporting key metrics of various investment. Key Responsibilities- Onboarding the clients investment portfolio by reviewing and interpreting legal agreements, understanding the servicer or trustees' reporting Work closely with the clients in supporting them for risk and exposure monitoring of the transactions Calculating and monitoring covenants, concentration limits, eligibility criteria, concentration tests and Borrowing Base calculations and other key metrics/tests Build financial models/reports as per clients requirements and analyze historical performance to identify the key drivers, to assess the performance Liaise with the Business Analyst and Implementation team to ensure that the data and logic on our proprietary platforms are accurate Provide enhanced surveillance to the clients on their portfolios and share critical aspects concerning overall performance proactively Required Experience/ Skill Set- Broad understanding of the Structured Finance products/ corporate credit landscape/ABL/CLO/Middle Market Portfolio Financing In-depth understanding of core financial and accounting concepts Proficiency in financial modelling using MS Excel Ability to work independently and collaboratively as part of a team in a fast-paced environment Strong communication skills - written, verbal and interpersonal Ability to work well under pressure to meet strict and aggressive deadlines