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Five Star Business Finance

Credit Analyst

Job · Full-timeHybridLudhiana, Punjab1–4 years52K/mo5 openingsImmediate / as per notice period

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About this role

Five Star Business Finance has an opening for a Credit Analyst in Ludhiana. If you enjoy digging into messy data, writing SQL that answers a real question and explaining the answer in plain language, this full-time credit analytics role will suit you. About the role This Credit Analyst role is…

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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 Ludhiana, Punjab or willing to relocate

Perks & benefits

Annual performance bonus / variable payHealth insurance for you and your dependantsProvident 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 seats

Interview & selection process

4 rounds — typical selection flow for this role:

1Resume screening and profile shortlisting by the talent acquisition team
2Technical interview 1 — SQL joins, aggregations, window functions and data modelling
3Case study / take-home assignment on a real dataset, with a walkthrough of your approach
4HR discussion — compensation, notice period, joining date and offer roll-out

About Five Star Business Finance

Five Star Business Finance operates in the nbfc / small business lending sector and runs an active team in Ludhiana. 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…

Visit Five Star Business Finance’s official website ↗

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