Credit Analyst

About this role

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Skills you'll use

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 Kochi, Kerala or willing to relocate

Perks & benefits

Interview & selection process

4 rounds — typical selection flow for this role:

1. 1Resume screening and profile shortlisting by the talent acquisition team
2. 2Business / stakeholder round — how you scope a question and communicate findings
3. 3Hiring manager discussion — role expectations, ownership and team fit
4. 4HR discussion — compensation, notice period, joining date and offer roll-out

About EY India

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