Cointab
Credit Analyst
Job · Full-timeHybridPatna, Bihar1–4 years52K/mo2 openingsImmediate / as per notice period
About this role
Cointab is looking for a Credit Analyst to join its Patna 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
In this Credit Analyst position you will be trusted with real business questions…
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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 Patna, Bihar or willing to relocate
Perks & benefits
Provident 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 seatsClear appraisal cycle and internal mobilityEmployee wellness programmes
Interview & selection process
3 rounds — typical selection flow for this role:
- 1Resume screening and profile shortlisting by the talent acquisition team
- 2Technical interview 2 — BI tooling, dashboard design and metric definition
- 3HR discussion — compensation, notice period, joining date and offer roll-out
About Cointab
Cointab operates in the fintech saas sector and runs an active team in Patna. 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
Cointab works in fintech saas, serving…
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