# Senior Analyst - Credit Analytics

**Company**: OakNorth
**Location**: Gurugram
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: full-time
**Category**: Finance
**Industry**: Finance

**Apply**: https://jobs.ashbyhq.com/oaknorth/c32190ff-5ee4-43b0-ac2e-a63a9429eeb5?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_ad5785ea-2f9

## Description

We are seeking a Senior Analyst to join our Credit Analytics team at OakNorth. As a Senior Analyst, you will be responsible for conducting detailed loan analysis across various sectors and geographies. You will build financial models, draft concise and well-structured credit reports, conduct sensitivity and stress testing, and engage directly with clients to discuss data and analytical frameworks.

**Responsibilities**

- Conduct detailed analysis of loan opportunities across various sectors and geographies, developing a thorough understanding of each borrower's business and operating environment.

- Draft concise, well-structured credit reports with clear key takeaways for Credit and Risk to review and comment on.

- Build detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis, and credit metrics.

- Conduct sensitivity analysis and stress testing on projections to assess loan serviceability under adverse scenarios.

- Identify deal-specific covenants that can serve as early warning signals for loan monitoring purposes.

- Conduct detailed industry and market studies to understand the operating environment of borrowers.

- Interact with clients to discuss data gaps, inconsistencies, and analytical frameworks; liaise with Debt Directors and other UK stakeholders throughout the credit process.

**Requirements**

- 1-3 years of relevant experience in credit analysis, financial analysis, or a related role within financial services.

- Strong financial analysis skills with a thorough understanding of accounting and financial concepts, including the ability to build and interrogate detailed financial models.

- Proven ability to draft clear, concise, and well-reasoned credit reports for senior stakeholders.

- Strong communication skills with confidence interacting with Debt Directors, clients, and other stakeholders across geographies.

- A proactive, results-driven mindset , curious, flexible, hands-on, and comfortable operating at pace in an environment where change is part of daily work.

**Nice to Have**

- MBA, PGDM, CA, or CFA from a reputed institute.

- Experience conducting industry or market studies across multiple sectors.

- Prior exposure to covenant structuring or loan monitoring frameworks.

**What We Offer**

- Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.

- Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services , all sponsored by OakNorth.

- Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.

- Financial support for important life events such as marriage, childbirth, and bereavement.

- Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.

- Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.

- Modern, centrally located offices, weekly business updates, team events, and great coffee.

## Skills

### Required
- financial analysis
- credit analysis
- financial modeling
- communication skills

### Nice to have
- MBA
- PGDM
- CA
- CFA
- industry studies
- covenant structuring
- loan monitoring frameworks

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Source: [Apply at jobs.ashbyhq.com](https://jobs.ashbyhq.com/oaknorth/c32190ff-5ee4-43b0-ac2e-a63a9429eeb5?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)