IDFC FIRST Bank | Analyst-Industry Research

Primary responsibilities

• Develop in-house expertise through incisive analysis of high-exposure industries and sectors in the bank’s portfolio.
• Conduct sector-agnostic assessments covering demand-supply dynamics, cost structures, competitiveness, and regulatory frameworks.
• Identify sectors under stress or recovery using early warning indicators, industry benchmarks, and peer reviews.
• Provide medium-term outlooks on key parameters for high-exposure sectors.
• Perform portfolio analysis to evaluate financial performance trends of companies within specific industries.
• Develop industry-specific financial and operational metrics to support credit evaluation.
• Present research findings and reports to senior management and other stakeholders.
• Collaborate with internal stakeholders to leverage synergies across the Wholesale Banking business.
• Take ownership of regulatory submissions, including reports on stressed and correlated sectors.
• Recommend improvements to processes and policies to enhance operational efficiency and service quality.

Requirements

• Graduation: Bachelor's degree in a relevant field (e.g., Economics, Finance, Business, Statistics).
• Excellent research and analytical skills with the ability to interpret complex industry data.
• Strong understanding of macroeconomic and sectoral trends.
• Experience in preparing regulatory submissions and board-level presentations.
• Effective communication and presentation skills.
• Ability to work independently and collaboratively across teams.
• Proficiency in data visualization and reporting tools.

IDFC FIRST Bank Limited

IDFC FIRST Bank took its present form on 18 December 2018, when IDFC Bank and Capital First merged. IDFC Bank had been launched in November 2015 through a demerger from IDFC Limited, the infrastructure finance company set up in 1997, while Capital First brought a retail lending business built around consumers and small entrepreneurs. IDFC Limited, the former holding company, was itself merged into the bank with effect from 1 October 2024, leaving a simpler structure with no holding company and no promoter. Listed on the NSE and BSE, the bank has its corporate office at Bandra-Kurla Complex in Mumbai and its registered office in Chennai, and lends mainly to retail, rural and small-business customers.

Finance-side roles at the bank include credit managers for loans against property, rural branch lending and wholesale banking, trade finance operations staff, reconciliation and operational-risk work in wholesale banking, internal auditors (including gold-loan audit), due-diligence quality control and business finance analysis. Openings are spread over cities such as Mumbai, Navi Mumbai, Thane, New Delhi, Bengaluru, Hyderabad, Ahmedabad, Jaipur and Lucknow. Many postings accept a graduate or postgraduate in any discipline, often a B.Com, BMS or BBI, while several credit and finance roles ask for a CA or an MBA in Finance, or list CA, CFA or ICWA as preferred.

• Industry: Banking: retail, rural and MSME lending, deposits, wealth management, and wholesale and trade banking
• Headquarters: Mumbai, India (corporate office at Bandra-Kurla Complex); registered office in Chennai
• In India: IDFC FIRST Bank Limited, listed on the NSE and BSE, with its corporate office in Mumbai, its registered office in Chennai and branches across India