Credit Analyst Job in Mumbai at Jai Kisan

Jai Kisan is hiring for the role of Credit Analyst!

Responsibilities of the Candidate:

• Credit Assessment: Conduct a comprehensive analysis of credit proposals, including business operations, financial statements, performance, and projections to evaluate the creditworthiness of entities.
• Relationship Management: Engage with key management personnel of rated entities to understand their strategy, background, business model, and risks.
• Credit Proposal Preparation: Prepare credit notes and present proposals to lenders to facilitate quick and successful loan sanctions. Ensure adherence to the terms and conditions of each lender.
• Portfolio Management: Oversee the end-to-end borrower journey from proposal receipt to loan disbursement. Conduct periodic reviews of customer performance and monitor portfolio quality.
• Risk Mitigation: Take necessary steps for risk mitigation, ensuring compliance with legal and documentation norms. Highlight credit risks and propose mitigating actions to relevant approving authorities.
• Lender Relationship and Product Structuring: Coordinate with lenders for portfolio diversification and profitability. Structure financial products based on applicant requirements in collaboration with lenders.
• Team Leadership and Management: Lead and manage a team of credit analysts and associates, including staffing, talent retention, training, coaching, and performance management.
• Reporting and Stakeholder Coordination: Prepare and present regular management information system (MIS) reports on portfolio performance. Coordinate with stakeholders and ensure alignment of objectives.
• Process Efficiency and Automation: Identify opportunities for process efficiency and digitization using tools and technology. Collaborate with operations, product, and tech teams to implement automation solutions.
• Additional Responsibilities: Complete any additional tasks assigned by senior management as and when required.

Requirements:

• CA or MBA in Finance from a premier Institute
• 1-3 years of experience in credit evaluation or fixed-income fundamental research with Banks/NBFC/Startups/Credit rating agencies/Mutual Funds/Insurance companies.
• Experience in conducting Credit Assessments of business loans in Banks/NBFC/Fintech will be an added advantage
• Solid grasp of financial analysis and risk models.
• Ability & keen interest in understanding Businesses and their drivers.
• Hands-on experience in Excel; love working with numbers and analytical in your approach.