Jiraaf - Powered by AI Growth
Website:
jiraaf.com
Job details:
Junior Credit Analyst – Rating Agency (1-2yrs experience)
Location: Bengaluru (On-site)
Group: AI Growth Group
About the Company
AI Growth Group is transforming the fintech investment ecosystem through innovative and technology-driven investment solutions for retail investors, HNIs, and family offices.
The group powers Jiraaf, a SEBI-registered investment platform offering curated opportunities across bonds, government securities, fixed deposits, and other fixed-income products.
Role Overview
We are looking for a highly analytical and detail-oriented Credit Analyst to join our team in Bengaluru. The role involves evaluating the creditworthiness of companies and investment opportunities through in-depth financial and risk analysis.
The ideal candidate should have strong expertise in credit assessment, financial statement analysis, and risk evaluation, along with the ability to present insights clearly to internal stakeholders.
Key Responsibilities
Analyze financial statements, cash flows, and business performance to assess creditworthiness.
Evaluate industry trends, market dynamics, and key risk factors impacting credit quality.
Conduct detailed credit risk assessments and prepare comprehensive credit evaluation reports.
Monitor existing credit portfolios and identify early warning signals.
Support investment and underwriting decisions through data-driven analysis.
Ensure compliance with internal credit policies and applicable regulatory guidelines.
Collaborate with cross-functional teams including investments, operations, and leadership.
Present findings and recommendations clearly to internal stakeholders.
Qualifications & Skills
Strong understanding of credit management and credit evaluation methodologies.
Proficiency in financial analysis, ratio analysis, and risk assessment.
Excellent analytical and problem-solving skills.
Strong written and verbal communication skills.
High attention to detail with the ability to work within deadlines.
Good understanding of debt markets and fixed-income products is preferred.
Ability to interpret complex financial and business information effectively.
Educational Qualification
Master’s degree in Finance from Tier 1 institute or qualified CA
Preferred Experience (1-2yrs)
Experience in a credit rating agency, NBFC, fintech, banking, or financial services organization.
Prior experience in credit underwriting, structured finance, or fixed-income research will be an added advantage.
Why Join Us?
Opportunity to work at the intersection of fintech and fixed-income investing.
Exposure to innovative investment products and high-growth markets.
Collaborative and entrepreneurial work environment.
Meaningful role with high ownership and visibility.
If you are passionate about credit analysis, risk evaluation, and the evolving fixed-income ecosystem, we would love to hear from you.
Click on Apply to know more.