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 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