Lead Analyst - Credit Analysis - Asset Backed Lending

We are seeking an experienced professional with 8-11 years of demonstrated expertise in asset-backed lending (ABL), preferably US clients. The ideal candidate must be a postgraduate and must have a robust understanding of ABL credit risk assessment and collateral management. Candidate will lead teams working on asset-backed lending transactions, ensuring compliance with regulatory frameworks and internal risk policies.

Key Roles & Responsibilities

Key Responsibilities:

Roles and responsibilities

· Lead team of analysts, undertaking workflow management, quality checks of outputs and providing constructive feedback

· Serve as a subject matter expert in the ABL domain, participating in client-facing discussions and providing insights on credit and collateral-related matters

· Prepare detailed credit assessment reports for ABL borrowers including business & management analysis, financial spreading/modelling, borrowing base calculations (excess availability analysis, debtors aging analysis), availability tracking, collateral assessment (eligibility review), covenant monitoring, trend cards preparation, obligor risk grading and site evaluation

· Ensure robust governance and oversight through appropriate workflow planning, resource utilization, quality assurance and client satisfaction

· Demonstrate strong understanding of credit agreements, with the ability to review, interpret, and succinctly summarize key deal terms, structures, and covenants

· Ensure high-quality and timely deliverables, consistently maintaining strong client satisfaction and proactively addressing feedback

· Develop and maintain strong client relationships through effective communication, responsiveness, and domain expertise

· Act as a mentor to junior analysts by providing training, performing quality reviews, and delivering constructive feedback to drive team capability enhancement

· Support new business initiatives by engaging in client pilots, solution design, onboarding, and review processes for new mandates

· Demonstrate the ability to work independently in a high-pressure, deadline-driven environment, managing multiple priorities effectively

Client Engagement

· As a subject matter expert in the ABL space, participate in customer facing meetings

· Responsible for understanding customer needs in ABL risk assessment and portfolio monitoring

· Engage in new client pilots, solution and review processes for new opportunities

· Develop, maintain and foster strong client relationships and lead multiple client engagements independently

· Document market feedback regarding experience with Crisil's solutions and desired enhancements

Essential Skills & Qualifications Required

· MBA/CA/CFA

· 8-11 years of experience in commercial lending focussing on asset-backed lending for global banks

· Team management and problem-solving skills, with experience of leading teams

· Working experience on systems like – Loan IQ, nCino, Moody's CreditLens, Solifi (formerly Stucky ABL) and Capital IQ etc.

· Advanced Excel and financial modelling capabilities

· Strong stakeholder management and presentation skills

· Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution

Skills Required
Loan Iq, Financial Modelling, Collateral Management, capital iq, Advanced Excel