Credit Analyst

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Skills you'll use

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 Chennai, Tamil Nadu or willing to relocate

Perks & benefits

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 ESAF Small Finance Bank

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