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Ashika Group logo — Ashika Group Credit Analyst at Ashika Group
Ashika Group

Credit Analyst

Job · Full-timeWork from HomeKozhikode, Kerala1–4 years52K/mo4 openingsImmediate / as per notice period
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About this role

Join Ashika Group in Kozhikode as a Credit Analyst. The role sits close to the business: you will define the metrics, build the reporting behind them, and be the person the team asks when a number looks wrong. About the role This Credit Analyst role is hands-on and delivery-focused. Expect to…

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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 Kozhikode, Kerala or willing to relocate (remote candidates across India may also apply)

Perks & benefits

Clear appraisal cycle and internal mobilityEmployee wellness programmesTeam offsites and networking opportunitiesCompetitive salary as per market benchmarksAnnual performance bonus / variable payHealth insurance for you and your dependantsProvident Fund and statutory benefitsStructured onboarding and mentorship

Interview & selection process

3 rounds — typical selection flow for this role:

  1. 1Resume screening and profile shortlisting by the talent acquisition team
  2. 2Technical interview 2 — BI tooling, dashboard design and metric definition
  3. 3HR discussion — compensation, notice period, joining date and offer roll-out

About Ashika Group

Ashika Group operates in the financial services sector and runs an active team in Kozhikode. 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 Ashika Group works in…
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