Credit Analysis & AI Validation Specialist

Credit Analysis & AI Validation Specialist

Real opportunities. Real impact. Your career, redefined.

At Oceans, we help the best and brightest of Sri Lanka to take advantage of opportunities that otherwise wouldn't be available to them, while supporting entrepreneurs around the world. Our community (we call them Divers) don't do surface work—they go deep to solve complex challenges and make a real impact. And in doing so, they support bold ideas and expand their skills, broaden their expertise, and grow their careers, all without having to leave family and friends.

As a Credit Analysis & AI Validation Specialist, you will operate at the intersection of leveraged finance, restructuring analysis, and AI-assisted credit review. You'll play a critical role in validating AI-generated financial and legal analysis, identifying covenant risks within complex debt agreements, and supporting high-quality credit intelligence workflows in a fast-moving startup environment.

This role is ideal for someone who combines deep analytical rigor with strong independent judgment, and who is comfortable navigating complex financial documentation, distressed company analysis, and AI-enabled operational systems. You'll operate at the intersection of credit analysis, restructuring insight, and AI-assisted review, translating complex legal and financial information into high-quality, actionable intelligence.

Accountability

Your success as a Credit Analysis & AI Validation Specialist will be defined by your ability to improve the quality, accuracy, and scalability of AI-assisted credit analysis workflows while delivering clear, high-quality financial insights.

Here's how you'll make an impact:

AI Output Validation & Analytical Quality Control

• Review and validate AI-generated credit analysis outputs against underlying debt documentation
• Identify inaccuracies, inconsistencies, missing context, or overlooked risks in AI-generated conclusions
• Ensure analytical outputs are complete, accurate, and commercially relevant
• Continuously improve the quality and reliability of AI-assisted review workflows

Credit Agreement & Covenant Analysis

• Analyze senior secured credit agreements, bond indentures, loan facilities, and related debt documentation
• Interpret covenant structures, lender protections, borrower restrictions, and capital stack implications
• Identify loopholes, liquidity concerns, covenant risks, and restructuring vulnerabilities
• Synthesize complex legal-financial language into concise, actionable summaries

Financial Statement & Distressed Company Analysis

• Review financial statements including 10-Ks, 10-Qs, balance sheets, income statements, cash flow statements, and P&Ls
• Assess borrower financial health in relation to debt obligations and covenant compliance
• Evaluate distressed companies across sectors such as healthcare, software, and technology
• Analyze liquidity pressures, restructuring implications, and broader credit risk indicators

Research, Workflow Support & Operational Execution

• Support distressed company research and target sourcing initiatives using public filings and market information
• Review SEC EDGAR filings and related documentation to support analytical workflows
• Assist in building scalable research and analysis processes
• Operate independently in a fast-paced startup environment with strong ownership and accountability

Internal Communication & Reporting

• Prepare concise, high-signal summaries for founder and leadership review
• Clearly communicate covenant concerns, documentation inconsistencies, restructuring risks, and AI validation findings
• Surface issues proactively and support decision-making with structured analytical insights

Colleagues

You'll work closely with founders and analytical stakeholders, contributing directly to AI-assisted credit and restructuring workflows. You'll also collaborate with internal operators supporting research, financial analysis, and workflow development initiatives.

At Oceans, you'll also receive guidance and support from your Operations Manager, who will help you succeed in the role and ensure that you're continuously growing and developing in your career.

Skills and Qualifications

At Oceans, we believe in T-shaped individuals—those who bring deep expertise in one area paired with broad curiosity across systems, operations, and emerging technologies. As a Credit Analysis & AI Validation Specialist, your vertical focus will be on credit and debt analysis, while your horizontal strengths will include AI validation, analytical communication, and independent operational execution.

To excel in this role, you should have:

• Experience : 3–6 years of experience in leveraged finance, restructuring, private credit, corporate credit analysis, or related analytical environments. Experience in fast-moving or high-accountability environments is strongly preferred.
• Credit & Debt Documentation Expertise : Strong understanding of senior secured credit agreements, bond indentures, loan facilities, covenant structures, and capital stack implications. Comfortable interpreting complex debt documentation independently.
• Financial Analysis Capability : Strong financial statement analysis skills, including experience reviewing balance sheets, income statements, cash flow statements, and broader borrower financial health indicators.
• Distressed & Restructuring Analysis : Familiarity with distressed company analysis, liquidity risk assessment, restructuring implications, covenant risk evaluation, and credit deterioration signals.
• AI & Analytical Validation : Comfort working alongside AI-assisted analysis systems, including validating machine-generated outputs, identifying inconsistencies, and improving analytical reliability through human judgment.
• Research & Critical Thinking : Strong ability to synthesize large volumes of financial and legal information into concise, actionable insights. Highly detail-oriented with excellent analytical reasoning capability.
• Communication & Ownership : Strong written communication skills with the ability to communicate complex findings clearly and operate independently with minimal oversight in startup environments.
• Technical & Modeling Exposure : Familiarity with DCF models, LBO frameworks, distressed debt analysis, or related credit modeling concepts is strongly preferred.

During the interview process, you'll have the opportunity to showcase your skills in the following areas:

• Credit Agreement Analysis : How you interpret debt documents, covenant structures, and capital stack implications
• Financial & Distressed Analysis : How you evaluate borrower health, liquidity risk, and restructuring scenarios
• AI Validation & Analytical Judgment : How you validate machine-generated outputs and identify missing risks or inconsistencies
• Research & Synthesis : How you convert complex documentation into concise, actionable insights
• Systems Thinking & Scalability : How you improve workflows and analytical processes over time
• Ownership & Independent Execution : How you operate effectively in ambiguous, high-accountability environments

Diversity of experience is core to Oceans. You are expected to work inclusively with individuals from a variety of backgrounds, ensuring that both personal and collective dignity are supported.

Role Specifications

This is a remote role, where you will be expected to work a split shift with some overlap with our client's time zone. You will, however, be expected to be present for in-person training programs during your first 3.5 weeks with us. During the offer process, we'll share more information about our benefits and compensation philosophy, considering both market trends and individual factors.

About Oceans

At Oceans Talent, we connect the world's top talent with visionary companies building what's next. Here, you're not just stepping into another role — you're joining a team that values individuality, ambition, and growth without limits. Unique, like you.

We're always excited to share more about our journey, where we're headed, and how you can grow with us throughout the interview process.

Want to learn more about our recruitment process, what to expect from interviews, and possible outcomes? Check out The Dive.