POPosimind
Senior Manager
Chennai ₹5-10 LPA Posted 9 Mar 2026
FULL TIME
Credit Analysis
Risk Assessment
Cash Flow
Industry Research
Financial Statement Analysis
+1 more
Job Description
- Conduct comprehensive credit analysis and appraisal of large corporate entities, including detailed financial statement analysis, cash flow modeling, and credit risk assessment.
- Analyze counterparty credit risk by evaluating historical and projected financial performance.
- Perform in-depth reviews of company profiles, management quality, governance practices, and key financial metrics to assess overall creditworthiness.
- Carry out industry studies and prepare detailed industry research reports, including sector trends, risks, and outlook.
- Undertake peer benchmarking analysis to compare financial and operational performance across comparable entities.
- Engage in meetings with company management, auditors, bankers, and other lenders to gather qualitative insights and validate financial information.
- Conduct field visits and factory/site inspections to assess operational capabilities and risk factors.
- Develop and recommend credit ratings and/or grading, supported by well-documented analysis.
- Prepare detailed rating rationales and present rating/grading proposals to the Rating Committee.
- Undertake rating migration and portfolio studies relevant to assigned sectors or accounts.
- Collaborate closely with internal stakeholders to ensure alignment on ratings decisions and provide timely updates on market and regulatory developments.
- Stay abreast of regulatory changes impacting lending, credit assessment, and rating methodologies.
- Maintain and update MIS and analytical databases for assigned areas of responsibility.
- Mentor and guide team members, ensuring quality, consistency, and adherence to analytical standards.