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Aditya Birla Capital

Credit Analyst

Job · Full-timeIn OfficeLudhiana, Punjab1–4 years57K/mo4 openingsImmediate / as per notice period
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About this role

Build your credit analytics career at Aditya Birla Capital as a Credit Analyst in Ludhiana. This is a full-time position with genuine ownership from the first month — your own datasets, your own dashboards, and stakeholders who rely on them. About the role This Credit Analyst role is hands-on and…

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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 Ludhiana, Punjab 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 seatsDirect access to the team that owns the data you work on

Interview & selection process

4 rounds — typical selection flow for this role:

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

About Aditya Birla Capital

Aditya Birla Capital operates in the financial services sector and runs an active team in Ludhiana. 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 Aditya Birla…
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