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GramCover

Credit Analyst

Job · Full-timeIn OfficeGhaziabad, Uttar Pradesh1–4 years52K/mo1 openingImmediate / as per notice period
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About this role

Build your credit analytics career at GramCover as a Credit Analyst in Ghaziabad. This is a full-time position with genuine ownership from the first month — your own datasets, your own dashboards, and stakeholders who rely on them. About the role As a Credit Analyst at GramCover, your core…

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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

Structured 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 programmesTeam offsites and networking opportunities

Interview & selection process

4 rounds — typical selection flow for this role:

  1. 1Resume screening and profile shortlisting by the talent acquisition team
  2. 2Business / stakeholder round — how you scope a question and communicate findings
  3. 3Hiring manager discussion — role expectations, ownership and team fit
  4. 4HR discussion — compensation, notice period, joining date and offer roll-out

About GramCover

GramCover operates in the rural insurance 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 GramCover works in rural…
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