L&T Finance

Credit Analyst

Job · Full-timeHybridBengaluru, Karnataka1–4 years66K/mo3 openingsImmediate / as per notice period

About this role

L&T Finance has an opening for a Credit Analyst in Bengaluru. If you enjoy digging into messy data, writing SQL that answers a real question and explaining the answer in plain language, this full-time credit analytics role will suit you. About the role The Credit Analyst at L&T Finance is the…

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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 Bengaluru, Karnataka or willing to relocate

Perks & benefits

Paid leaves and public holidaysFlexible / hybrid working optionsModern analytics tooling and licensed BI seatsClear appraisal cycle and internal mobilityEmployee wellness programmesTeam offsites and networking opportunitiesCompetitive salary as per market benchmarksAnnual performance bonus / variable pay

Interview & selection process

3 rounds — typical selection flow for this role:

1Resume screening and profile shortlisting by the talent acquisition team
2Online assessment — SQL, Excel and quantitative aptitude
3HR discussion — compensation, notice period, joining date and offer roll-out

About L&T Finance

L&T Finance operates in the nbfc & lending sector and runs an active team in Bengaluru. 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 does L&T Finance works in nbfc &…

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