Fixed Income Credit Analyst

Role & responsibilities

• Perform in-depth fundamental credit analysis on Indian issuers including corporates, NBFCs, banks, and government entities.
• Analyze financial statements, cash flows, debt covenants, and credit ratios to determine creditworthiness.
• Track sectoral trends, regulatory developments, and economic factors affecting credit risk.
• Monitor macroeconomic indicators, interest rate movements, and global/local events impacting Indian debt markets.
• Prepare detailed credit notes, investment memos, and internal research reports with risk assessments and recommendations.
• Support portfolio managers in evaluating credit risk across portfolios and identifying new investment opportunities.
• Track and analyze credit rating movements, outlook changes, and material developments for issuers in the portfolio.
• Ensure compliance with internal risk guidelines and regulatory frameworks during credit evaluations.
• Engage with rating agencies, issuers, arrangers, and market participants to source credit information and insights

Preferred candidate profile

• Education: CA or Masters degree in Finance, Economics, Accounting, or a related field.
• Certifications: CFA, FRM, or similar credentials (completed or in progress) are highly desirable.
• Experience: 2 to 5 years of relevant experience in credit analysis, financial research, or fixed income markets, preferably in a credit rating agency or asset management platform.
• Technical Skills: Strong proficiency in Excel; familiarity with Bloomberg is a plus.
• Understanding of credit risk, financial ratios, bond valuation, and fixed income securities (corporate and government bonds).
• Market Knowledge: Strong grasp of the Indian fixed income market, credit ratings, and macroeconomic indicators.
• Soft Skills: Excellent report writing, and communication skills with attention to detail.