Job Description

Research Analyst / Senior Research Analyst - BFSI/NBFC -2+Years - Mumbai
Location: Mumbai, India
Summary:
We are looking for a Research Analyst / Senior Research Analyst with strong experience in research and analysis of BFSI and NBFC sectors. The role involves financial statement analysis, credit and risk assessment, financial modelling, and writing research reports to generate clear business insights.
Your Future Employer:
A leading and dynamic organization specializing in niche consulting and financial analytics, known for its collaborative culture, focus on delivering excellence, and providing employees with opportunities to grow their skill sets within a supportive and diverse environment.
Responsibilities: * Conducting in-depth financial analysis of financial statements including Balance Sheets, P&L, and Cash Flow statements.

• Evaluating asset quality through metrics like NPA, GNPA, slippages, and provisioning.
• Performing credit analysis and risk assessments for BFSI/NBFC entities.
• Building and maintaining advanced financial models in Excel to evaluate valuation, credit risk, and stress testing scenarios.
• Executing ratio analysis of key metrics such as ROA, ROE, CAR, NIM, and Cost-to-Income.
• Staying updated on and ensuring compliance with RBI regulations and banking norms.
• Interacting with bankers, NBFC management, investors, and rating agencies to build and maintain professional networks.
• Conducting primary research and asking the right questions to uncover actionable insights.
• Collaborating effectively with internal teams, including sales, product, and leadership, for better decision-making.

Requirements: * Have a minimum of 4+ years of experience in financial research and analysis, specializing in BFSI/NBFC sectors.

• Possess exceptional skills in financial statement analysis, including balance sheets, profit & loss, and cash flow.
• Demonstrate a robust understanding of BFSI/NBFC business models and asset quality analysis metrics.
• Be proficient in credit analysis and risk assessment, with strong expertise in financial modelling in Excel.
• Showcase expertise in relevant financial ratios such as ROA, ROE, CAR, NIM, etc.
• Possess strong knowledge of RBI regulations, banking norms, and compliance standards.
• Be confident in interacting with banks, NBFCs, investors, and rating agencies.
• Exhibit strong problem-solving, questioning abilities, and innovative research skills.
• Display excellent interpersonal, team collaboration, and communication skills.
• Hold a degree in Finance, Economics, or a closely related field (CFA or FRM certification would be a plus).

What's In It For You? * Work with an industry leader in the BFSI/NBFC sector with immense learning and growth opportunities.

• Be part of a diverse and inclusive team that nurtures talent and innovation.
• Competitive compensation package along with other benefits.
• The opportunity to make significant contributions to high-impact projects that shape the finance industry.
• A strict focus on employee work-life balance and wellness.

Reach Us: If you feel this opportunity is well-aligned with your career progression plans, please feel free to reach out to us with your updated profile at hrishikesh.narayan@crescendogroup.in
Disclaimer: Crescendo Global specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging and memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
Note: We receive a high volume of applications daily, which may limit our ability to respond to each applicant individually. Please assume that your profile has not been shortlisted if you do not hear back from us within 1 week. Your patience is highly appreciated.
Profile Keywords: Financial statement analysis, Balance Sheet, P&L, Cash Flow, BFSI, NBFC business models, Asset quality analysis, NPA, GNPA, Slippages, Provisioning, Credit analysis, Financial modelling, Valuation, Stress testing, ROA, ROE, CAR, NIM, RBI regulations, primary research, Banking norms, Financial expert.

Skills Required