Analyst/Senior/Lead Analyst

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 strengthFor Public Finance / Government EntitiesAnalysis of revenue stability and diversificationEvaluation of operating surplus / deficit positionsMonitoring of debt burden metrics (Debt / Revenue)Assessment of interest coverage and fiscal sustainabilityReview of liquidity position and cash balancesTracking of budget vs actual performance and capex executionSections Covered in Annual Credit Review ReportExecutive Summary Summary of credit profile, rating action, and key developmentsEntity 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 trendsCapital and Leverage Analysis Assessment of capital buffers and debt sustainabilityLiquidity and Funding Profile Evaluation of funding mix, reliance on wholesale markets, or treasury positionRegulatory and Policy Environment Analysis of regulatory framework and government support mechanismsPeer Benchmarking Comparative analysis against industry peers or similar public entitiesRisk Assessment Identification of systemic, fiscal, and institution-specific risksRating Recommendation and Rationale Final credit opinion, including support assumptions and rating sensitivities