Straive
1 month ago
Credit Risk Specialist
Sign up to save this job, get alerts, and apply with an optimized CV.
Company information
- Company
- Straive
- Location
- India, Karnataka, Bangalore India
- Posted
- 1 month ago
Job description
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 FactSet.
● 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.
● 3–7 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 CreditLens, FactSet, Capital IQ, S&P Capital IQ Pro, or equivalent.
● Advanced Excel skills (financial models, ratio templates).
● Strong written English — ability to produce concise, analytical credit commentary
Required skills
- salesforce
- accounting
- finance
- excel
- bachelor's degree
- economics
- kpo
- banking
- financial statements
- financial models
- tier 1
- slas
- mba
- credit risk
- provisioning
- annual reports
- qualitative research
- capital iq
- credit analysis
- capital adequacy
- nim
- market presence
- financial spreading
- factset
- cfa level i
- moody's
- fitch
- credit research
- rating agency
- roe
- business model
- lcr
- s&p
- nsfr
- asset quality
- counterparty risk
- moody's credit lens
- credit metrics
- interest coverage ratio
- debt service coverage ratio
- leverage ratio
- liquidity ratio
- profitability ratios
- roa
- cet1
- npl ratios
- camels methodology
- ownership structure
- covenant testing
- credit review reports
- financial institution reviews
- credit workflow tools
- ca (inter)
- cfa level ii
- ratings support
- financial ratios
- ratio templates
Interested in this position?
Create your free account and tailor your CV to match this job.