Kotak Life
Website:
kotaklife.com
Job details:
Title - Credit Analyst (Fixed Income & Alternates)
Designation – Chief Manager / AVP
Dept – Debt, Investment
Location – BKC, Mumbai
Experience - 4 years +
Education - CA / CFA / MBA (Finance)
Role Overview
The Credit Analyst is responsible for evaluation and continuous monitoring of fixed income investments including corporate bonds, REITs and InvITs. The role requires strong grounding in credit fundamentals, financial analysis and risk assessment.
Key Responsibilities
New Credit Evaluation
Perform fundamental credit analysis of bonds, REITs and InvITs
Analyze financial statements, cash flows, leverage and coverage metrics
Assess business risk, capital structure and instrument features
Track sector dynamics and regulatory environment
Prepare credit notes for investment decision-making
Portfolio Monitoring
Monitor existing exposures on an ongoing basis
Track performance versus underwriting assumptions
Identify early warning signals and flag risks
Periodically update internal credit views
Relative Value & Risk Assessment
Evaluate risk-return across opportunities
Support portfolio positioning with credit insights
Stakeholder Interaction
Participate in management interactions and due diligence
Work closely with internal investment teams
Experience
Total Experience 4-8 years out of which minimum 3 years in credit research / fixed income (AMC, NBFC, Bank, Insurance company,Rating Agency)
Skillset
• Strong financial statement and cash flow analysis
• Understanding of credit metrics and fixed income instruments
• Basic familiarity with REITs / InvITs
• Proficiency in Excel and financial modelling
• Clear written and verbal communication
Click on Apply to know more.