Analyst/Senior/Lead Analyst
Evalueserve · India
FULL TIME
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