AVP/DVP - Credit Analytics
OakNorth · Bengaluru, Karnataka · Gurugram, Haryana
ABOUT US
At OakNorth, we're on a mission to empower the UK's most ambitious businesses. Since 2015, we've lent over $21 billion across the UK and US, helped create more than 58,000 new homes and 36,000 new jobs, and supported hundreds of thousands of personal savers — all while fuelling the UK economy.
ABOUT THE ROLE
As a Credit Analyst at OakNorth, you will play a key role in evaluating and structuring loan opportunities across a range of sectors and geographies. Reporting into the Credit team, you will produce high-quality credit analysis and financial models that directly support OakNorth's mission to back the UK's most ambitious businesses.
WHAT YOU'LL DO
- Conduct detailed analysis of loan opportunities across various sectors and geographies
- Draft concise, well-structured credit reports with clear takeaways for credit and risk teams to review
- Develop detailed financial models covering transaction details, financial statement analysis, projections, ratio analysis and credit metrics
- Conduct sensitivity and stress-testing analysis on projections to assess loan serviceability
- Identify deal-specific covenants that can serve as early warning signals during loan monitoring
- Carry out in-depth industry and market studies to understand the operating environment of borrowers
- Interact directly with clients to discuss data gaps, inconsistencies and analytical frameworks
YOU'LL BE A GREAT FIT IF YOU HAVE…
- Strong financial analysis skills with a thorough understanding of accounting and financial concepts
- Proven ability to draft clear, compelling credit reports
- 5+ years of relevant experience in credit, lending or financial analysis
- Strong communication skills with the ability to engage confidently with Debt Directors, clients and other stakeholders
- An MBA, PGDM, CA or CFA qualification from a reputed institute
Nice to Have
- A proactive, hands-on attitude with the ability to see the big picture
- Creative thinking and the ability to succeed in a fast-paced, high-change environment
- A team-player mindset — flexible, curious, result-driven and a fast learner
WHAT WE OFFER
- Health & Protection: Comprehensive medical cover for you, your family, and parents, along with life and accidental insurance cover at a multiple of your salary.
- Wellbeing: Annual health check-ups, online doctor consultations, pharmacy discounts, nutritionist support, and Employee Assistance Program (EAP) services — all sponsored by OakNorth.
- Time Off: Earned leave, casual/sick leave, public holidays, maternity leave, and paternity leave.
- Life Milestones: Financial support for important life events such as marriage, childbirth, and bereavement.
- Flexible Benefits: Tax-efficient allowances for internet, fuel, meals, leave travel, and National Pension System (NPS) contributions.
- Growth & Development: Support for professional certifications, learning and development opportunities, childcare benefits, and paid volunteering days.
- Our Workplace: Modern, centrally located offices, weekly business updates, team events, and great coffee. We work hard to build a culture worth showing up for.