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Risk Hub India:Credit Analytics-Senior Analyst

Gurgaon, HR
Job Code:
  • Banking & Finance
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Job Details

Risk Infrastructure India (RII) provides second line risk management support to Corporate & Institutional Banking (C&I) functional areas including Credit Risk, Market Risk, COO, Operational Risk and Regulatory Risk. It performs a key role in the C&I Risks global operating model and has extensive interaction with other front to back teams in C&I trading hubs, processing centers and branches. The division provides services to C&I risk functions in EMEA, APAC and North America. There are close interactions with C&I teams with an aim to expand this division to provide support for C&I risk activities.The role comprises supporting onshore Credit Officers on credit risk assessment of Corporate and Institutional Banking counterparties. The role entails undertaking thorough, accurate and high quality counterparty credit analysis. Responsibilities1Write end-to-end credit analysis report, primarily for complex names including sector/industry review, and recommend appropriate internal credit rating to Credit Officer for approval.2Closely monitor developments related to regulatory, industry, counterparty, external ratings and carryout appropriate action.3Manage caseload effectively and ensure that work is completed within agreed timeline.4Perform quality check on deliverables prepared by junior team members (Senior Analysts/Analysts/Risk Trainees) and provide a constructive feedback.5Participate in ad-hoc projects as and when required.6Prepare New Transaction Proposal (NTP) and support onshore Credit Officers in live deals/transactions.7Good knowledge on credit related systems (e.g. PRiSM, CORT, Phoenix, Capital IQ etc) and credit policies.8Manage the assigned counterparty portfolio under the guidance of senior team member.9Strive to achieve continuous improvement in the work processes and quality of deliverables.10Provide guidance/training to junior team members (Senior Analysts/Analysts/Risk Trainees) within the team.11Assist senior team members in maintaining a continuous training program and identifying training requirements for the team.Deliverables 1. Credit application write-up2. Sector / industry review3. Financial spreads, including forecast and/or stress test4. Refreshed credit grade (PD) and LGD in PRiSM5. New transaction proposal (credit application write-up, financial spreads with forecast, refreshed PD and LGD) Dimensions Scope of the Role Financial NoLine Management Responsibility NoThe Requirements Knowledge, Skills and Qualifications1Chartered Accountant / MBA / CFA / Post GraduateAt least 4 years of relevant experience in credit risk environment in a KPO / Bank2Good understanding of finance and accounting conceptsExcellent knowledge and understanding of financial statement analysis together with ability to identify key characteristics and drivers of an industry/counterpartyAdvanced knowledge of financial as well as non-financial risks, including legal, reputational, regulatory, and operationalProficiency in Microsoft officeGood knowledge of research databases like Bloomberg, CapitalIQ, Factiva, Thomson etc.Excellent communication skills, written and verbal, with ability to communicate analytical thoughts in a crisp, concise and precise mannerAbility to work under pressure and meet tight deadlinesSelf-motivated, good interpersonal skills and a demonstrated ability to form successful working relationshipsAbility to work in a team oriented environment
Degree: CA (Chartered Accountant) | MBA/ PGDM

Additional Degree: BA (Arts) | B.Com. (Commerce) | B.Pharm. (Pharmacy) | B.Plan. (Planning) | B.Sc. (Science) | BBA/ BBM/ BBS | BCA (Computer Application) | Diploma-Other Diploma | B.Ed. (Education) | BHM (Hotel Management)

Experience: 4-8


Credit Control & Collections | Finance/Budgeting | Financial Analysis
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