Sector Lead - Credit Analysis of Financial Institutions

As a Credit Risk Analyst, you will work closely with a team of onshore analysts to cover credit risk monitoring for the Financial Institutions portfolio. Your role will involve reviewing credit reports and financial models submitted by the portfolio monitoring team, conducting fundamental analysis for an assigned set of credits/companies. Your key responsibilities will include: - Undertaking research and analysis of entities to assess credit strengths and weaknesses, and evaluate business and financial risk profiles. - Considering potential sovereign or parent support in credit assessments. - Preparing detailed credit assessment reports discussing company profiles and credit risk considerations. - Developing and updating financial models, analyzing key ratios. - Recommending ratings based on internal rating frameworks. - Engaging with clients to discuss reports and workflow, supporting ad-hoc research requests. - Proactively interacting with client teams, suggesting ideas to enhance client engagement. - Training and mentoring new hires and junior team members. Your functional and behavioral knowledge should include experience in financial modeling, surveillance, portfolio monitoring, and credit analysis. You should have a good understanding of credit risk divisions, banking regulations, key credit metrics, and capital ratios. Familiarity with internal banking systems is desirable. Minimum and preferred education qualifications include an MBA, CA, or a Masters degree, with a CFA certification being a plus. You should ideally have 7-9 years of work experience in credit risk or credit research, demonstrating high attention to detail, accuracy, diligence, and hard work. Strong organizational skills, the ability to manage workloads efficiently, and proficiency in MS Office products are essential. In addition to the above requirements, candidates with educational qualifications such as CA, MBA Finance, or any relevant postgraduate degree will be considered.