Job Description

Associate Director - Credit Analysis - Financial Sector

About CRISIL Ratings:

CRISIL Ratings is India's leading rating agency. We pioneered the concept of credit rating in India in 1987. With a tradition of independence, analytical rigour and innovation, we have a leadership position.

We are a full-service rating agency. We rate the entire range of debt instruments: bank loans, certificates of deposit, commercial paper, non-convertible debentures, bank hybrid capital instruments, asset-backed securities, mortgage-backed securities, perpetual bonds, and partial guarantees.

A CRISIL rating reflects CRISIL's current opinion on the relative likelihood of timely payment of interest and principal on the rated obligation. It is an unbiased, objective, and independent opinion as to the issuer's capacity to meet its financial obligations. So far, CRISIL has rated 30,000 debt instruments, covering the entire debt market.

Who We Serve:

CRISIL Ratings serves lenders, investors, issuers, market intermediaries and regulators by improving information availability and providing benchmarks. We rate most of India's largest companies and several of the smallest. Our ratings cover manufacturing companies, banks, non-banking finance companies, public sector undertakings, financial institutions, state governments, urban local bodies, mutual funds across 190 industry sectors.

CRISIL Ratings' clientele includes all the industry majors - 23 of the BSE Sensex constituent companies and 39 of the NSE Nifty constituent companies, accounting for 80 per cent of the equity market capitalisation.

How We Add Value:

- CRISIL's ratings assist issuers and borrowers in enhancing their access to funding, widening the range of funding alternatives, and optimising the cost of funds.

- Investors and lenders use our ratings to supplement their internal evaluation process and to benchmark credit quality across investment options.

- For the markets at large, our ratings act as a market benchmark for pricing and trading of debt instruments.

- We help regulators in measurement and management of credit risks at a systemic level. CRISIL's ratings are used in the computation of capital adequacy in the banking sector. Our ratings are also used to determine the eligible investment pool for insurance companies, pension funds, and provident funds.

Business: Ratings

Department: LCG- Financial Sector

Experience: 7 to 12 years

Job Role: Lead a team of analysts involved in rating of financial sector entities. This includes NBFCs (in vehicle finance, microfinance, housing finance asset class and broking entities) and Banks

Functional Skills / Knowledge:

Technical:

- Good understanding of regulatory framework and changes in the same

- Strong understanding of 2-3 asset classes in the NBFC space like vehicle finance / microfinance / housing loans / gold loans.

- Good overall understanding of the banking sector

- Client Management / Stakeholder Management:

- Undertake in-person meetings / telecon with senior management personnel at client side to discuss strategy, business and financial performance

- Lead the team in meeting preparation covering analysis of past trends and future projections

Writing and Presentation Skills:

- Writing detailed rating reports to explain the rationale behind the rating

- Making presentations to CRISIL Ratings' Rating Committee

- Preparation of sector notes

- Writing opinion pieces to cover developments / share outlook on various asset classes / sectors

Regular Portfolio and Sector Monitoring:

- Monitoring and tracking the financial performance on quarterly basis aside from event-based reviews

- Stay updated on the latest market developments and their implications

Candidate Profile:

- Excellent oral and written communication skills primarily focused on managing client communication and report writing

- Ability to get execution of transactions under stringent timelines

- Has relevant experience in managing teams involved in analysis of NBFCs / Banks

- Experience in handling CXO conversations at in-person meetings

- Proficient using MS-Excel, MS-Word and MS-Power Point