Manager - Credit Risk Analysis - Global Aviation Finance

Job Title: Manager Credit Risk Analysis - Global Aviation Finance.

Location: Mumbai, India.

About the Role:

- We are seeking a Credit Risk Analyst to support the onshore credit team in the Global Aviation Finance Office.

- You will prepare borrower rating papers, draft annual Borrower Rating (BR) and Aircraft Finance Rating (AFR) reports, and update financial spreads based on quarterly and year-end results.

- Your analysis will include Loan to Value (LTV) analysis, facility summaries, loan outstanding updates, and underlying asset reviews.

- You will also develop cashflow forecast models and participate in credit due diligence for client onboarding, portfolio reviews, and key risk events.

Key Responsibilities:

- Draft annual Borrower Rating (BR) and Aircraft Finance Rating (AFR) reports for airlines and aircraft lessors.

- Prepare and update financial spreads and analysis papers for the Annual Credit Review (ACR).

- Perform Loan to Value (LTV) analysis and assess loan facility updates and loan outstanding positions.

- Develop cashflow forecast models incorporating stress testing and scenario analysis.

- Conduct credit due diligence as part of portfolio monitoring and new client onboarding.

- Monitor portfolio performance and maintain internal risk monitoring systems.

- Ensure compliance with internal credit policies, ISDA/CSA documentation awareness, and risk reporting procedures.

- Collaborate with stakeholders across credit functions, Sales/Trading teams, and international colleagues.

- Support junior team members and contribute to sectoral and jurisdictional research projects.

Qualifications:

- 1-6 years of credit risk analysis experience within aviation finance, asset finance, or structured finance risk functions.

- Experience analyzing Investment Grade (IG) and Non-Investment Grade (NIG) counterparties.

- Strong quantitative skills with solid understanding of accounting, financial statement analysis, and market risk.

- Proficiency in Microsoft Excel, including V-Lookups, Pivot Tables, and financial modeling.

- Ability to produce clear, concise credit analysis reports distilling complex data.

- Knowledge of loan documentation, market risk, and credit risk mitigants preferred.

- Excellent communication and collaboration skills with experience working with overseas stakeholders.

- In a world where aviation connects continents and economies, the ability to assess and manage credit risk in this dynamic sector is more critical than ever.