Credit Analytics
Gurugram
ONGPL – Credit Analytics /
Permanent - Full Time /
Hybrid
The incoming resource will be expected to work on detailed financial models and draft credit reports. We are looking for candidates with strong financial analysis concepts & communication skills.
Job Responsibility
- Conducting detailed analysis of loan opportunities across various sectors in different geographies
- Developing detailed financial model comprising transaction details, financial statement analysis, projections, ratio analysis, credit metrics, amongst others
- Conducting sensitivity analysis on projections – for stress testing on loans for serviceability
- Identifying deal specific covenants which can act as early warning signals while monitoring loans.
- Drafting credit reports with key takeaways on opportunity; report has to be concise, easy to read format for credit and risk to review and comment.
- Detailed industry/market studies to understand operating environment of borrower.
- Interacting with clients to discuss data gaps, inconsistencies, analytical frameworks etc.
Desired Skills
- Strong financial analysis – thorough understanding of accounting / financial concepts
- Ability to draft credit reports.
- Strong communication skills – interacting with Debt Directors, clients & other stakeholders in UK.
- Personal drive (proactive), flexible, creative (thinks out of the box), result driven, responsible, curious, team player and fast learner.
- 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.
- MBA/PGDM/CA/CFA from a reputed institute
ShortDescription
- The incoming resource will be expected to work on detailed financial models and draft credit reports. We are looking for candidates with strong financial analysis concepts & communication skills.
About Us
We’re OakNorth Bank and we embolden entrepreneurs to realise their ambitions, understand their markets, and apply data intelligence to everyday decisions to scale successfully at pace.
Banking should be barrier-free. It’s a belief at our very core, inspired by our entrepreneurial spirit, driven by the unmet financial needs of millions, and delivered by our data-driven tools.
And for those who love helping businesses thrive? Our savings accounts help diversify the high street and create new jobs, all while earning savers some of the highest interest on the market.
But we go beyond finance, to empower our people, encourage professional growth and create an environment where everyone can thrive. We strive to create an inclusive and diverse workplace where people can be themselves and succeed.
Our story
OakNorth Bank was built on the foundations of frustrations with old-school banking. In 2005, when our founders tried to get capital for their data analytics company, the computer said ‘no’. Unfortunately, all major banks in the UK were using the same computer – and it was broken.
Why was it so difficult for a profitable business with impressive cashflow, retained clients, and clear commercial success to get a loan?
The industry was backward-looking and too focused on historic financials, rather than future potential.
So, what if there was a bank, founded by entrepreneurs, for entrepreneurs? One that offered a dramatically better borrowing experience for businesses?
No more what ifs, OakNorth Bank exists.
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