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Senior Manager Credit Research

Mumbai, MH
Job Code:
  • Banking & Finance
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Job Details

Carrying out fundamental research on credits, analyzing liquidity profiles & quantitative analysis to support researchAnalyzing credit risk and assigning internal risk ratings to companies and several debt instruments (bank loans and bonds) across diversified sectorsAnalyzing key areas like business and financial risk profiles, management evaluation, appropriateness of strategic plans, industry prospects and future outlook. Along with performing liquidity, free cash flow, covenant and recovery analysis for companies, identified companies having potential for ratings upgrades/downgrades and monitoring companys actual performance versus set goals and targets in line with global ratings criteria of credit rating agencies.Analyzing sector drivers and economic data to assist the research and ratings.Detailed analysis of financial statements and other publicly available information (annual/quarterly reports, press releases, earnings release, companies websites, etc.)Comprehensive analysis of companies capital structure and liquidity profileDetailed analysis of covenants, contingencies, and other qualitative elements for inherent risks.Analyzing the impact of latest corporate actions/significant events of the companiesManaging financial models / databases (including constructing new and managing existing ones)Conducting due diligence on market dynamics involving bonds, stocks & CDS.Collating various risks and mitigants involved in a case after rigorous analysis on the past performance of the company, peers performance and sensitizing the future shape of the company.Interacting closely with analysts and traders on short and long-term projects.Assisting and contributing to daily, weekly and monthly research publications.Producing financial summary with trends ad-hoc reports, topical research pieces and presentationsExtracting and analyzing data from websites, publications, data vendors and internal databases.Following news flow on companies under coverage and identify market impact of this news.Preparing/writing credit market view on existing companies and companies to be initiated/added to the coverageIdentifying valuation impacting elements/signalsIdentifying the credit, financial and operational risksDesired Candidate ProfileCA /MBA with 5 to 8 years of experience in Credit ResearchExcellent understanding of financial models (spreads), forecasting modelsExcellent understanding of the credit rating scale of major rating agenciesCredit assessment and analysis, including business, financial and management profilingReport writing on individual credits, sector and the industryExperience in analyzing financial institutions, especially commercial banks with an emphasis on credit qualityVery good writing and presentation skills
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: 5-8


Credit Control & Collections | Finance/Budgeting | Financial Analysis | Funds Management
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