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Bank of Baroda logo — Bank of Baroda Credit Analyst at Bank of Baroda
Bank of Baroda

Credit Analyst

Job · Full-timeIn OfficeMumbai, Maharashtra1–4 years69K/mo3 openingsImmediate / as per notice period
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About this role

Bank of Baroda is hiring a Credit Analyst in Mumbai. This is a full-time, permanent role for candidates who want to work on real credit analytics problems — owning datasets, numbers and reporting that the business actually makes decisions on, not practice exercises. About the role As a Credit…

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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 Mumbai, Maharashtra or willing to relocate

Perks & benefits

Modern 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 payHealth insurance for you and your dependantsProvident Fund and statutory benefits

Interview & selection process

5 rounds — typical selection flow for this role:

  1. 1Resume screening and profile shortlisting by the talent acquisition team
  2. 2Case study / take-home assignment on a real dataset, with a walkthrough of your approach
  3. 3Technical interview 2 — BI tooling, dashboard design and metric definition
  4. 4Business / stakeholder round — how you scope a question and communicate findings
  5. 5HR discussion — compensation, notice period, joining date and offer roll-out

About Bank of Baroda

Bank of Baroda operates in the public sector banking sector and runs an active team in Mumbai. 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 Baroda works…
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