Rating Analyst

-Internal rating validation for corporate, SME, business banking, NBFC, MFI, broker, bank clients across the bank. Key activities include

-Detailed review and understanding of credit (industry, business, financials, management), credit ratings

-Preparation of rating rationale along with rationale for any changes in risk scores

Review deviations to the credit policy of the Bank

-Recommendations/comments on all proposals placed to Board level credit committee with respect to policy compliance/ portfolio risk/ industry prospects etc

-Approve judgemental rating action proposed as per delegation matrix

Decision making along with the stakeholders (Credit/ Business)

-Effective interaction with business/credit groups across Large Corporates/ Emerging Local Corporates/ NBFC/ Brokers/ MFI/ Projects/ Small, Micro Enterprises/ Business Banking

-Effective resolution of internal audit/ external audit/ RBI queries

-Periodic review and updation of industry risk scores including addition of new industries as deemed appropriate.

-Track latest industry developments by participation in seminars, conferences and client site visits, interactions with clients, rating agencies, industry database providers,

Benchmarking of companies within sectors

-Define and facilitate the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the division.

-Nurture talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals.

-Develop and nurture a continuous talent pipeline for key roles in the division and provides mentoring for high potential talent in the organization

-Ensure adherence to process and ability to work within pre-decided TAT