Rating Analyst

As an Internal Rating Validation professional at our organization, your main responsibility will be to validate ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients across the bank. Your key activities will include conducting a detailed review and analysis of credit-related aspects such as industry trends, business operations, financial status, and management structure. You will also be involved in preparing rating rationale and providing explanations for any changes in risk scores. Additionally, you will be required to review any deviations from the credit policy of the bank and make recommendations or comments on proposals presented to the Board level credit committee. You will need to ensure compliance with policies, assess portfolio risks, and evaluate industry prospects before making judgments on rating actions as per the delegation matrix. Your role will involve collaborating with various stakeholders such as Credit and Business teams to make informed decisions. Effective communication and interaction with different business units including Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, and Small & Micro Enterprises will be crucial. Moreover, you will be responsible for resolving internal and external audit queries as well as those from regulatory bodies like the RBI. Keeping abreast of industry developments through seminars, conferences, client interactions, and benchmarking of companies within sectors will also be part of your job duties. In terms of team management, you will play a vital role in defining and achieving goals and key performance indicators for your direct reports. Providing guidance, feedback, coaching, and development opportunities to team members will be essential for their growth and success. You will also be involved in nurturing talent within the team and developing a talent pipeline for key roles in the division. Lastly, ensuring adherence to processes and meeting pre-decided turnaround times (TAT) will be critical for success in this role. Your ability to work efficiently within established timelines while maintaining quality standards will be key to your performance.,