Sectoral Macro-Economic Research Analyst - (Bank)

Our Client, a Leading Bank is looking out for a Sectoral Macro Economic Research Analyst (MSME, Agri, Real Estate, Infrastructure, Textiles, Auto, Pharma) to be based at Mumbai.

Job Purpose:

To provide comprehensive sectoral intelligence, macroeconomic and trade policy insights, and forward-looking risk assessments to the credit and risk functions of the bank. The role supports the development and refinement of credit policies and sectoral lending frameworks to mitigate emerging risks and safeguard asset quality.

Key Responsibilities:

1. Sectoral Research and Outlook:

MSME, Agri, Real Estate, Infrastructure, Textiles, Auto, Pharma,

o Prepare and periodically update sector outlook reports incorporating market dynamics, financial metrics, capacity utilization, demand/supply trends, and capex cycles.

o Identify leading indicators of stress or resurgence in key lending sectors.

2. Trade, Tariff and Policy Analysis:

o Track bilateral and multilateral trade agreements (FTAs, CEPA, WTO developments) and analyze their sectoral impact on borrowers.

o Evaluate changes in customs duties, tariffs, export-import restrictions, and government incentive schemes (e.g., RoDTEP, PLI) that impact sector competitiveness.

3. Macro and Socioeconomic Monitoring:

o Monitor key macroeconomic indicators (GDP, inflation, interest rates, currency, employment, etc.) and assess their influence on credit quality.

o Leverage consumer sentiment, household income, urban/rural consumption, and income disparity data to identify downstream risk trends.

4. Policy Guidance and Risk Signal Generation:

o Provide actionable recommendations to credit policy and underwriting teams to recalibrate sectoral lending norms, LTVs, risk premiums, and rating thresholds.

o Develop early warning signals and sector-specific stress testing models.

5. Internal Collaboration and Dissemination:

o Liaise closely with credit, collections, strategy, and product teams to align sectoral views with business plans.

o Prepare monthly/quarterly research dashboards, sectoral whitepapers, and presentations for senior management and board-level risk committees.

6. Regulatory and External Engagements:

o Monitor RBI, SEBI, DGFT, MoF, DPIIT, and international agency releases for regulatory updates.

o Engage with industry bodies (CII, FICCI, SIDBI), consultants, and rating agencies for external benchmarking.

Desired Candidate Profile:

• Education: Postgraduate in Economics, Management, Public Policy, or Finance. Candidates with CA, CFA, or equivalent research credentials preferred.

• Experience: 5–8 years in sector research, economic advisory, risk consulting, preferably candidate working Credit Rating agencies research wing or Bank

• Skills Required:

o Strong analytical and economic modelling skills

o Proficiency in tools like Excel, Power BI, R/Python (optional), and data platforms (CMIE, Bloomberg, TR, Capitaline)

o Excellent report writing and presentation skills

o Deep understanding of Indian regulatory and trade frameworks

o Excellent report writing and presentation skills

o Deep understanding of Indian regulatory and trade frameworks