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Bank of America

Credit Analyst

Job · Full-timeHybridGhaziabad, Uttar Pradesh1–4 years56K/mo1 openingImmediate / as per notice period

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About this role

Bank of America is looking for a Credit Analyst to join its Ghaziabad team. You will turn raw operational data into clear, trustworthy analysis, and work directly with the people who use it to run the business. 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 Ghaziabad, Uttar Pradesh or willing to relocate

Perks & benefits

Learning & certification support (SQL, Power BI, Tableau, cloud)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 benchmarksStructured onboarding and a formal mentor at a large, established employer

Interview & selection process

5 rounds — typical selection flow for this role:

1Resume screening and profile shortlisting by the talent acquisition team
2Hiring manager discussion — role expectations, ownership and team fit
3Online assessment — SQL, Excel and quantitative aptitude
4Technical interview 1 — SQL joins, aggregations, window functions and data modelling
5HR discussion — compensation, notice period, joining date and offer roll-out

About Bank of America

Bank of America operates in the banking sector and runs an active team in Ghaziabad. 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 Bank of America works in…

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