Investment Credit Analyst

A Leading Life Insurance Company is seeking an analytical Investment Credit Analyst to join its investment management team in Mumbai. In this high-impact role, you will be responsible for performing in-depth credit assessments of corporate bond issuers to support the fixed-income portfolio. Furthermore, you will monitor existing credit exposures and provide timely ratings and risk updates to the Investment Committee. Consequently, this position is vital for protecting the organization’s capital and ensuring sustainable investment returns.

The Investment Credit Analyst must stay ahead of sectoral trends and macroeconomic developments that impact credit quality. Additionally, you will lead the internal credit rating process and participate in investment strategy discussions. Therefore, the company is looking for a professional with a strong foundation in financial statement analysis and credit modeling. If you are a CA or MBA Finance professional with a keen eye for risk, this Investment Credit Analyst role offers a premier professional opportunity.

Key Responsibilities

• Perform detailed fundamental credit analysis and financial modeling for corporate bond issuers.
• Assign internal credit ratings and prepare comprehensive investment notes for the front-office team.
• Conduct regular sector research to identify emerging risks and credit opportunities.
• Monitor credit events and quarterly financial results of portfolio companies to detect early warning signals.
• Interact with external credit rating agencies and sell-side analysts to gather market intelligence.
• Ensure all credit investments comply with IRDAI guidelines and internal risk management policies.
• Analyze complex instrument structures, including perpetual bonds and structured credit.
• Present credit recommendations and risk assessments to the Investment Committee and CIO.
• Collaborate with the fixed-income fund managers to optimize portfolio credit quality.
• Manage the internal credit risk database and ensure accurate documentation of all credit reviews.

Requirements and Qualifications

• CA, CFA, or MBA in Finance from a reputed institute.
• 3 to 6 years of experience in credit research, corporate banking, or investment management.
• Strong expertise in financial statement analysis and cash flow modeling.
• Excellent understanding of the Indian debt market and regulatory environment.
• Strong written and verbal communication skills for preparing high-quality investment reports.