Analyst/Senior/Lead Analyst

Job description

Annual Review (FIG) - Financial Institution Group - Analyst/Senior/Lead Analyst Candidates with 0-60 days' notice period are preferred! Key Performance Indicators (KPIs) For Financial Institutions (Banks, NBFCs, Insurance Companies) • Monitoring of capital adequacy ratios (CET1, Tier 1) • Assessment of asset quality indicators (NPA ratios, cost of risk) • Evaluation of liquidity metrics (Liquidity Coverage Ratio) • Analysis of profitability indicators (ROA, ROE, NIM) • Monitoring of leverage ratios and balance sheet strength For Public Finance / Government Entities • Analysis of revenue stability and diversification • Evaluation of operating surplus / deficit positions • Monitoring of debt burden metrics (Debt / Revenue) • Assessment of interest coverage and fiscal sustainability • Review of liquidity position and cash balances • Tracking of budget vs actual performance and capex execution Sections Covered in Annual Credit Review Report • Executive Summary • Summary of credit profile, rating action, and key developments • Entity Overview • Business model (FIG) or governance structure (Public Finance entity) • Operating Performance Analysis • Earnings profile (FIG) or fiscal performance (Public Finance) • Asset Quality and Portfolio Analysis (FIG-specific) • Review of loan book composition, sector exposures, and NPA trends • Capital and Leverage Analysis • Assessment of capital buffers and debt sustainability • Liquidity and Funding Profile • Evaluation of funding mix, reliance on wholesale markets, or treasury position • Regulatory and Policy Environment • Analysis of regulatory framework and government support mechanisms • Peer Benchmarking • Comparative analysis against industry peers or similar public entities • Risk Assessment • Identification of systemic, fiscal, and institution-specific risks • Rating Recommendation and Rationale • Final credit opinion, including support assumptions and rating sensitivities