AUM Capital
Website:
aumcap.com
Job details:
Job Description – Credit Analyst (AIF)
Position: Credit Analyst – AIF
Location: Kolkata, Mumbai
Department: Alternative Investments / Investment Team
Experience: 2–5 Years (Relevant Experience Mandatory)
About the Role
We are looking for an experienced and detail-oriented Credit Analyst to join our Alternative Investment team. The ideal candidate should possess strong experience in credit underwriting, financial analysis, and investment evaluation, specifically within an AMC, AIF, or institutions managing their own Alternative Investment Funds.
The candidate should have hands-on exposure to credit assessment, deal origination, deal evaluation, financial modelling, risk analysis, and monitoring of debt investment opportunities.
Mandatory Eligibility Criteria (Non-Negotiable)
Candidate must have worked with an Asset Management Company (AMC) or an organization managing its own AIF/fund platform.
Key Responsibilities
Conduct detailed credit assessment and financial analysis of investment opportunities.
Perform due diligence on borrowers/issuers including business model evaluation, industry analysis, management assessment, and financial health review.
Build and evaluate financial models, cash flow analysis, debt servicing capability, and repayment structures.
Prepare investment notes, credit memos, and recommendation reports for investment committee discussions.
Monitor existing portfolio companies and track credit risk, covenant compliance, repayment behaviour, and financial performance.
Evaluate deal structures, collateral/security arrangements, and downside risk scenarios.
Coordinate with internal stakeholders including investment teams, legal, compliance, and business heads.
Stay updated on market trends, sector developments, and regulatory changes impacting AIF and structured credit investments.
Desired Skill Set
Strong understanding of credit underwriting, structured debt, fixed income, private credit, and AIF ecosystem.
Strong command over financial statement analysis and ratio analysis.
Proficiency in Excel, financial modelling, MIS, and investment presentations.
Ability to independently analyze transactions and present investment viewpoints.
Strong analytical, communication, and stakeholder management skills.
Educational Qualification
MBA (Finance), CA, CFA (preferred), FRM, or equivalent finance qualification.
Strong academic foundation in finance, investments, or credit analysis preferred.
What We Are Looking For
A candidate who understands the credit side of alternative investments, has worked in a fund-driven environment, and can independently evaluate opportunities from a risk-return perspective while supporting investment decisions.
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