Cholamandalam Investment and Finance

Credit Analyst

Job · Full-timeIn OfficeThane, Maharashtra1–4 years50K/mo2 openingsImmediate / as per notice period

About this role

Applications are open for the Credit Analyst position at Cholamandalam Investment and Finance in Thane. You will join a working credit analytics team, own a defined set of reports and analyses end to end, and see your findings turn into decisions that people act on. About the role This Credit…

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Skills you'll use

Advanced ExcelSQLCredit Risk FundamentalsFinancial Statement AnalysisBureau Data AnalysisPortfolio MonitoringPower BIStatisticsUnderwriting PolicyReport WritingAttention to DetailCommunication

What you'll do

Analyse applicant financials and bureau data for credit decisions
Monitor portfolio delinquency, roll rates and vintage performance
Prepare credit MIS and early-warning reports
Support policy changes with data-backed recommendations
Maintain documentation for audit and regulatory review
Validate and reconcile numbers before publishing, and document data caveats
Automate recurring reporting to free up time for real analysis
Present findings clearly to non-technical stakeholders

Who can apply

B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree from a recognised university
1–4 years of experience in analytics, reporting or MIS — relevant hands-on experience required
Working knowledge of Advanced Excel, SQL, Credit Risk Fundamentals
Comfort with Excel, SQL and credit bureau data and with cleaning messy, real-world data
Ability to define a metric precisely and explain a result to a non-technical stakeholder
Attention to detail, ownership and the discipline to document your work
Based in Thane, Maharashtra or willing to relocate

Perks & benefits

Annual performance bonus / variable payHealth insurance for you and your dependantsProvident Fund and statutory benefitsStructured onboarding and mentorshipLearning & certification support (SQL, Power BI, Tableau, cloud)Paid leaves and public holidaysFlexible / hybrid working optionsModern analytics tooling and licensed BI seats

Interview & selection process

4 rounds — typical selection flow for this role:

1Resume screening and profile shortlisting by the talent acquisition team
2Technical interview 1 — SQL joins, aggregations, window functions and data modelling
3Case study / take-home assignment on a real dataset, with a walkthrough of your approach
4HR discussion — compensation, notice period, joining date and offer roll-out

About Cholamandalam Investment and Finance

Cholamandalam Investment and Finance operates in the nbfc & lending sector and runs an active team in Thane. It is an established employer with a working analytics function — data is used to run the business day to day, not filed away in a quarterly deck. Industry and what the company…

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