Credit Analyst

Credit Rating Analyst – Credit Assessment & Client Advisory

Location: Kolkata
Experience: 2–4 years
Industry: Credit Rating / Banking / Financial Services
Employment: Full-time

About Dviija Fintech

Dviija Fintech is a financial advisory firm specialising in Credit Rating Advisory, Corporate Debt Syndication and Financial Advisory. We work closely with corporates and MSMEs to help them strengthen their credit profile, improve their understanding of credit requirements and enhance their funding readiness.

Role Overview

We are looking for a Credit Rating Analyst with 2–4 years of experience in a Credit Rating Agency, Bank, NBFC or Corporate Credit function.

The ideal candidate should have strong skills in credit assessment, financial analysis and credit-note writing, along with excellent communication, presentation and client-handling abilities.

This is a client-facing role and the candidate will work closely with senior management and corporate clients.

Key Responsibilities

Credit Analysis & Assessment

• Analyse financial statements, cash flows and debt structure of corporates.
• Assess business, industry, management and financial risks.
• Analyse key credit ratios including leverage, debt coverage, liquidity and working capital.
• Conduct peer benchmarking and industry analysis.
• Evaluate repayment capacity and overall creditworthiness.
• Identify key credit strengths, weaknesses, risks and mitigants.
• Develop an independent credit view on the company.

Credit Note & Report Writing

• Prepare detailed credit assessment notes and financial analysis reports.
• Convert financial and business information into a clear and concise credit narrative.
• Prepare management presentations and client-specific analysis.
• Review financial projections and assess their reasonableness.
• Support preparation of rating-related documents and submissions.

Client Interaction

• Interact with CFOs, Finance Heads, promoters and senior management of client companies.
• Understand client businesses and obtain information required for credit assessment.
• Conduct structured discussions with clients to understand business, financial and credit-related issues.
• Follow up with clients for information and clarification.
• Explain financial analysis and credit observations to clients in a clear manner.
• Build and maintain strong professional relationships with clients.

Presentation & Communication

• Present credit assessment findings to senior management and clients.
• Participate in management meetings and client discussions.
• Prepare professional PowerPoint presentations and analytical reports.
• Communicate analytical findings confidently, both verbally and in writing.

Research & Problem Solving

• Conduct industry and sector research.
• Track developments affecting client businesses.
• Identify gaps, inconsistencies and potential risks in financial information.
• Develop practical solutions and recommendations based on the credit assessment.

Candidate Profile

• 2–4 years of relevant experience in Credit Rating Agencies / Banks / NBFCs / Corporate Credit / Credit Research.
• Strong understanding of financial statements and corporate credit.
• Experience in financial analysis, credit appraisal or rating analysis.
• Ability to independently prepare a credit note/report.
• Strong MS Excel and PowerPoint skills.
• Excellent written and verbal communication skills.
• Good presentation and interpersonal skills.
• Strong problem-solving and analytical ability.
• Professional, presentable and confident personality.
• Ability to interact comfortably with senior management and clients.
• Ability to work independently and take ownership of assignments.

Preferred Background

Candidates currently or previously working with:

Credit Rating Agencies | Corporate Banking | Credit Appraisal | NBFCs | Credit Research

Experience in corporate/bank-loan ratings will be an added advantage.

Qualifications

Graduate/Postgraduate in Commerce, Finance, Economics or Management.

CA / CFA / MBA (Finance) will be an advantage.

What We Are Looking For

We are looking for someone who is not merely good at numbers, but can connect the numbers with the business story.

The ideal candidate should be able to analyse → interpret → write → present → communicate → solve.

Pay: ₹400,000.00 - ₹500,000.00 per year

Work Location: In person