Analyst, Credit

OakNorth Analytical Intelligence – Credit
With close to $4bn in loans flowing through its systems, OakNorth AI is the leading player in the bespoke mid-sized loans segment, and has partnered with lending institutions around the world to unlock this under-served market. 

OakNorth Analytical Intelligence (ONAI) is a FinTech platform unlocking the under-served and underestimated market for bespoke loans to SMEs. It does this by leveraging data, machine learning and technology to make a previously unprofitable market segment highly attractive. By deploying our platform globally, we are growing our footprint within the financial services industry and helping our clients reach previously untapped market segments.
The company was founded by Rishi Khosla and Joel Perlman, serial entrepreneurs, who proved the concept for OakNorth Analytical Intelligence via OakNorth - a bank they founded in 2015 to address the mid-market funding gap in the UK. The bank became profitable after just 11 months and within a period of less than two years, has grown its loan book to $1.7bn. The group is the fastest in European history to become a unicorn (30 months from inception) and counts GIC, Singapore’s sovereign wealth fund, among its investors. The management team has backgrounds from leading tech and financial institutions such as Palantir Technologies, Amazon, Apple, Intel and Goldman Sachs.

You will:

    • Conduct detailed analysis of loan opportunities across various sectors in different geographies
    • Develop detailed financial model comprising transaction details, financial statement analysis, projections, credit metrics, amongst others
    • Conduct sensitivity analysis on projections – for stress testing on loans for serviceability
    • Identify deal specific covenants which can act as early warning signals while monitoring loans
    • Draft credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment
    • Conduct detailed industry/market studies to understand operating environment of borrower
    • Monitor borrower performance on an ongoing basis and producing periodic review reports, including annual reviews
    • Interact with clients to discuss data gaps, inconsistencies, analytical frameworks etc.
    • Lead a team of analysts to execute and deliver tasks as per timelines
    • Manage and keeping team morale positive in testing times 
    • Coordinate with product teams to explain credit specific requirements as product features 

You have:

    • 10-14 years' experience in undertaking credit analysis with a focus on creating financial models and drafting reports (business, market, pros & cons, executive summary, etc.)
    • Exposure working in corporate lending, investment banks (research units), asset managers, direct lenders, etc.
    • Team management experience
    • The capability of managing client communication, e.g. identifying data gaps, data inconsistencies, presenting findings, etc.
    • Exposure working in corporate lending, investment banks (research units), asset managers, direct lenders, etc.
    • Personal drive and are an independent thinker who can manage tasks in a less structured environment
    • A results-driven mindset
    • A Hands on attitude, willing/capable to understand the big picture
    • Ability to succeed in a culture where change and speed are part of daily work
    • An MBA/PGDM/CA/CFA from a reputed institute
    • Strong command of written and spoken English 
Thank you very much for your interest in OakNorth Analytical Intelligence. We are happy to consider you for roles within our group of companies. If we can identify a match between your skill set and our immediate recruiting needs, please expect to hear from us very soon. If we are unable to identify a fit in the near term, please note that we intend to retain the data you send to us so we may contact you in the future.

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