Credit Analysis & AI Validation Specialist

Credit Analysis & AI Validation SpecialistReal opportunities. Real impact. Your career, redefined.(NOTE: A human reviews every application at Oceans, so please apply for only one position and only once a year—if you're a better fit for another role, we’ll route your application accordingly and if we’re not quite ready for you, we’ll reach back out later.)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.AccountabilityYour 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 ControlReview and validate AI-generated credit analysis outputs against underlying debt documentationIdentify inaccuracies, inconsistencies, missing context, or overlooked risks in AI-generated conclusionsEnsure analytical outputs are complete, accurate, and commercially relevantContinuously improve the quality and reliability of AI-assisted review workflows Credit Agreement & Covenant AnalysisAnalyze senior secured credit agreements, bond indentures, loan facilities, and related debt documentationInterpret covenant structures, lender protections, borrower restrictions, and capital stack implicationsIdentify loopholes, liquidity concerns, covenant risks, and restructuring vulnerabilitiesSynthesize complex legal-financial language into concise, actionable summaries Financial Statement & Distressed Company AnalysisReview financial statements including 10-Ks, 10-Qs, balance sheets, income statements, cash flow statements, and P&LsAssess borrower financial health in relation to debt obligations and covenant complianceEvaluate distressed companies across sectors such as healthcare, software, and technologyAnalyze liquidity pressures, restructuring implications, and broader credit risk indicatorsResearch, Workflow Support & Operational ExecutionSupport distressed company research and target sourcing initiatives using public filings and market informationReview SEC EDGAR filings and related documentation to support analytical workflowsAssist in building scalable research and analysis processesOperate independently in a fast-paced startup environment with strong ownership and accountabilityInternal Communication & ReportingPrepare concise, high-signal summaries for founder and leadership reviewClearly communicate covenant concerns, documentation inconsistencies, restructuring risks, and AI validation findingsSurface issues proactively and support decision-making with structured analytical insightsColleaguesYou’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 QualificationsAt 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. Exper