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Credit Risk Analyst Credit & Settlement Risk Experience: 37 years | Level: Analyst Location: Bangalore, Hyderabad or Gurugram Role Summary The Analyst executes annual and quarterly credit reviews of an assigned portfolio of financial institutions and corporate entities, producing high-quality financial spreads, ratio analyses, and credit reports that feed risk-rating decisions. Key Responsibilities Source annual reports, audited financial statements, and interim financials from company websites, central bank portals, regulatory filings, and platforms such as Capital IQ. Perform financial spreading accurately entering balance sheet, income statement, and cash flow data into credit platforms such as Moody's Credit Lens or Fact Set. Compute and interpret key credit metrics: interest coverage, debt service coverage, leverage, liquidity, and profitability ratios (ROA, ROE, NIM), and for banks capital adequacy (Tier 1 / CET1), asset quality (NPL ratios, provisioning), and liquidity (LCR, NSFR). Apply the CAMELS methodology for financial institutions and profitability/solvency/earnings analysis for corporate entities. Conduct qualitative research: business model, products, market presence, ownership structure, and external ratings from S& P, Moody's, and Fitch. Perform covenant testing verifying client compliance with defined financial thresholds and flagging breaches. Draft clear, well-structured credit review reports identifying the key drivers of changes in financial performance, for consumption by credit officers. Complete financial institution reviews while meeting quality and turnaround SLAs. Maintain review records and workflow status in systems such as Salesforce or equivalent credit workflow tools. Qualifications Bachelor's degree in Finance, Accounting, Economics, or a related field; MBA (Finance), CA (Inter), CFA Level I/II. 37 years of experience in credit analysis, counterparty risk, ratings support, or financial spreading ideally within banking, KPO/credit research, or a rating agency environment. Strong understanding of financial statements and bank/corporate financial ratios. Hands-on exposure to at least one spreading or data platform: Moody's Credit Lens, Fact Set, Capital IQ, S& P Capital IQ Pro, or equivalent. Advanced Excel skills (financial models, ratio templates). Solid written English ability to produce concise, analytical credit commentary. .