Job Title: Underwriting Senior Analyst
Company: Accenture
Location: Gurugram
Experience Required: 5-8 years
Education Required: Any Graduation (CPA or MBA is a plus)
About Accenture
Accenture is a global professional services company with leading capabilities in digital, cloud, and security. Combining unmatched experience and specialized skills across more than 40 industries, Accenture provides strategy and consulting, interactive technology, and operations services—all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. With over 514,000 employees serving clients in more than 120 countries, Accenture embraces the power of change to create value and shared success for clients, employees, partners, shareholders, and communities.
Role Overview
The Underwriting Senior Analyst plays a critical role in analyzing and evaluating credit portfolios, financial reports, and underwriting guidelines to assess financial and risk factors impacting clients. This position requires expertise in financial analysis, risk underwriting, and understanding of GAAP financial statements.
Key Responsibilities
✅ Financial & Credit Risk Analysis
- Analyze and evaluate credit portfolios and financial reports, including interpreting financial data and assessing market trends that could impact operations and financial performance.
- Assess creditworthiness and financial strength of clients using qualitative and quantitative data from institutions such as S&P, Moody’s, and Fitch.
- Provide recommendations for risk rating and classifications.
✅ Risk Underwriting & Portfolio Assessment
- Conduct underwriting analysis of financial statements, mergers & acquisitions, claims and litigation, regulatory developments, liquidity positions, and overall corporate governance.
- Evaluate cash flow trends, industry-specific risk factors, and economic market conditions to determine underwriting eligibility.
- Ensure due diligence and compliance with underwriting guidelines and risk appetite of Accenture’s financial division.
✅ Data Interpretation & Reporting
- Complete intricate financial statement spreading to ensure financial ratios are accurate for risk assessment.
- Interpret balance sheets, income statements, cash flow statements, and stockholder equity changes to assess financial health.
- Support Underwriters and Credit Officers in buyer administration by setting up accounts, performing automated credit limits, and gathering buyer information such as financial reports, credit history, and industry research.
✅ Client & Stakeholder Communication
- Work closely with internal teams, credit officers, and underwriting teams to ensure thorough evaluation of risks.
- Communicate findings through well-structured reports and presentations to senior management.
- Provide financial and risk insights to help clients make informed decisions.
Qualifications & Skills Required
🎓 Educational Background
- Bachelor’s degree in accounting, finance, or a related field.
- CPA or MBA preferred.
📌 Technical & Analytical Skills
- 5-8 years of experience in corporate credit analysis, underwriting, or financial risk assessment.
- Expertise in analyzing US GAAP financial statements.
- Ability to interpret financial ratios (profitability, liquidity, leverage, solvency) and apply them to risk assessments.
- Familiarity with the US Industrial, Commercial, Capital, and Consumer sectors.
- Understanding of macroeconomic factors affecting financial risks.
🛠 Industry & Risk Management Knowledge
- Strong knowledge of corporate credit analysis, mortgage underwriting, and risk management principles.
- Previous experience as a credit analyst, credit risk analyst, or equity financial analyst in a bank or financial institution.
- Proficiency in credit reporting, claims management, and financial risk assessment.
💡 Communication & Collaboration
- Excellent verbal and written communication skills.
- Ability to present credit assessments to internal and external stakeholders clearly and concisely.
- Experience working with cross-functional teams to provide underwriting recommendations.
Why Join Accenture?
🌎 Global Presence & Market Leader
Be part of an organization that leads the industry in consulting, technology, and innovation. Accenture operates in over 120 countries, providing vast growth opportunities.
📈 Career Growth & Development
Accenture fosters a culture of continuous learning and professional development. Employees have access to world-class training, mentorship, and career advancement programs.
🤝 Inclusive & Collaborative Work Culture
Diversity and inclusion are at the heart of Accenture’s operations. Work in an environment that values teamwork, innovation, and professional excellence.
💼 Challenging & Impactful Work
Contribute to high-impact projects that influence major financial decisions. Accenture provides opportunities to work with industry leaders in the finance and banking sector.
🏆 Competitive Benefits & Perks
- Competitive salary and performance-based incentives.
- Comprehensive health, wellness, and retirement benefits.
- Flexible work arrangements to maintain a work-life balance.
- Employee assistance programs and professional support networks.
Application Process
If you’re ready to take your career to the next level and work with a global leader in consulting and financial services, apply now! Click on the link below to submit your application and join our dynamic team at Accenture.
Join Us & Shape the Future of Finance with Accenture! 🚀
