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Credit Analyst

1.00 to 10.00 Years   Bangalore   28 Jul, 2026
DIGITALCUBE CONSULTANCY SERVICES PRIVATE LIMITED
Job LocationBangalore
EducationNot Mentioned
SalaryNot Disclosed
IndustrySoftware Product
Functional AreaFinance / Accounts / Tax
EmploymentTypeFull-time

Job Description

    Job DescriptionDesignation: Credit AnalystLocation:BangaloreExperience-2to6yearsNotice Period:Max 30days / Serving NP/Immediate JoinersRole
    • Perform comprehensivecredit assessments, includingfinancial analysis, business evaluation, and peer benchmarkingwith emphasis on corporate clients.
    • Prepare underwriting papers, credit notes, renewal proposals, and NTB requests by synthesizing borrower financials, sector data, and internal risk guidelines.
    • Support Business withfinancial spreading, data verification, documentation checks, and portfolio-related queries.
    • Coordinate with Legal and Operations to ensure facility and security documentation is accurate and compliant with approved terms.
    • Monitor portfolio performance throughcovenant tracking, exposure review, earlywarning indicators, and adherence to approval conditions; escalate deviationswhen required.
    • Maintain clear communication with business, risk, and support teams to ensure smooth and controlled credit execution.
    Key skills
    • Required2-6 Years of experience in corporate credit memo-writing
    • Advanced financial analysis, credit ratios, cash-flow evaluation, lending structures.
    • Financial modelling, excel proficiency,data validation Credit policy interpretation,documentation governance, controls.
    • Postgraduate degree or professional qualification preferred (CA / CFA/FRM).
    • Strong grounding in credit analysis, financial ratios, corporate finance, and banking products.
    • Deep familiarity with credit controls, documentation standards, governance, and audit-focused processes.
    • Corporate banking experience preferrable.
    Required QualificationPost-Graduate Diploma in Financial Management,Master of Business Administration (M.B.A.),CA (Charted Accountant),Mandatory SkillsCredit AssessmentsFinancial Analysisbusiness evaluationData VerificationCredit RatiosCash-flow evaluationCA / CFA/FRM

Keyskills :
financial analysiscredit assessmentdata verificationcredit ratios

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