Gurgaon · Banking & Insurance
Credit Analyst jobs in Gurgaon
Assesses whether a borrower can repay a loan by analysing financial statements, bank statements, credit bureau reports and business risks. Works with relationship managers, credit committees and rating teams at banks, NBFCs and credit rating agencies.
Updated · ResumeGyani careers team
Quick answer
Credit Analysts in India typically earn ₹3.5L–₹7L a year starting out and ₹14L–₹25L+ with 7+ years. Employers mostly ask for Financial statement analysis and ratio analysis, Cash flow and debt-servicing assessment and Credit bureau analysis.
Current openings in Gurgaon
9 foundFrom public job boards. Apply on the employer's or board's site.
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Senior Analyst - Credit Analytics | Gurgaon, IN
OakNorth · Gurugram, Haryana
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Private Credit Research Analyst
Crisil · Gurugram, Haryana
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Senior Analyst || Credit Assurance
NAB · Gurugram, Haryana
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What does a Credit Analyst do?
Assesses whether a borrower can repay a loan by analysing financial statements, bank statements, credit bureau reports and business risks. Works with relationship managers, credit committees and rating teams at banks, NBFCs and credit rating agencies.
A typical day: The day starts with new loan files from relationship managers waiting for review. The analyst spreads financials, checks bank statements and bureau reports, and calls the borrower or RM to clear doubts. The afternoon goes into writing the credit appraisal memo and presenting it to the credit manager or committee.
How people get in: B.Com, BBA or MBA (Finance) is common; CA, CFA and FRM candidates are preferred for corporate and rating-agency roles.
How much does a Credit Analyst earn in India?
| Experience | Typical annual CTC |
|---|---|
| Entry (0–2 years) | ₹3.5L–₹7L |
| Mid (3–6 years) | ₹7L–₹14L |
| Senior (7+ years) | ₹14L–₹25L+ |
Rating agencies (CRISIL, ICRA) and large private banks pay well above retail NBFCs; corporate and project-finance credit pays more than retail or MSME credit.
India-wide estimates from public salary data (AmbitionBox), checked October 2026. Pay in Gurgaon can differ; check the salary on each listing.
Which skills and tools do employers ask for?
Skills
- Financial statement analysis and ratio analysis
- Cash flow and debt-servicing assessment (DSCR)
- Credit bureau analysis (CIBIL, Experian)
- Credit appraisal memo (CAM) writing
- Industry and promoter risk assessment
- Working capital assessment (MPBF, drawing power)
- Collateral and security evaluation
- RBI norms on asset classification and provisioning
Tools
- MS Excel (financial spreading)
- CIBIL and CRIF bureau tools
- Loan origination systems
- Moody's or S&P rating models (in MNC teams)
- Bank statement analysers (Perfios)
Certifications that help
- CFA (CFA Institute)
- FRM (GARP)
- IIBF Certified Credit Professional
Who hires Credit Analysts?
Organisations that regularly hire for this role in India. Openings in Gurgaon vary, so check the listings above.
- HDFC Bank
- ICICI Bank
- Axis Bank
- Kotak Mahindra Bank
- Bajaj Finance
- CRISIL
- ICRA
- CARE Ratings
- Tata Capital
- IDFC FIRST Bank
How to write a Credit Analyst resume that gets shortlisted
- 1
Show the loan book and segments you assessed.
ExampleAppraised 180+ MSME working capital proposals worth ₹220 Cr in FY25 with average turnaround of 4 days.
- 2
Show portfolio quality.
ExampleMaintained a 90+ DPD rate under 1.5% on a ₹75 Cr portfolio of loans I recommended.
- 3
Show process improvements.
ExampleBuilt an Excel spreading template that cut CAM preparation time from 6 hours to 2 hours.
Check your resume against a Credit Analyst job description
Paste the JD and see which of these skills your resume is missing.
Common Credit Analyst interview questions
Which ratios matter most when assessing an MSME loan?
Mention DSCR, current ratio, debt-equity, interest cover and working capital cycle, and why each matters.
How do you assess a borrower with weak financials but strong collateral?
Explain that repayment capacity comes first; collateral is a fallback, not the basis for approval.
What are the 5 Cs of credit?
Character, capacity, capital, collateral, conditions; give an example of each from a real file.
How would you spot window-dressing in financial statements?
Look at receivables jumps near year-end, related-party sales, cash flow vs profit gaps and auditor notes.
Credit Analyst career path
- Credit Analyst / Credit Officer
- Senior Credit Analyst
- Credit Manager
- Senior Credit Manager
- Head of Credit / Chief Credit Officer
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Questions people ask
How much does a Credit Analyst earn in India?
Typical annual pay is ₹3.5L–₹7L at entry level (0–2 years), ₹7L–₹14L at mid level (3–6 years) and ₹14L–₹25L+ for senior roles (7+ years). Rating agencies (CRISIL, ICRA) and large private banks pay well above retail NBFCs; corporate and project-finance credit pays more than retail or MSME credit.
What qualifications do you need to become a Credit Analyst?
B.Com, BBA or MBA (Finance) is common; CA, CFA and FRM candidates are preferred for corporate and rating-agency roles.
Which skills do employers look for in a Credit Analyst?
Most job descriptions ask for Financial statement analysis and ratio analysis, Cash flow and debt-servicing assessment, Credit bureau analysis, Credit appraisal memo writing and Industry and promoter risk assessment. Common tools include MS Excel (financial spreading), CIBIL and CRIF bureau tools, Loan origination systems and Moody's or S&P rating models (in MNC teams).
What is the career path for a Credit Analyst?
A common progression is Credit Analyst / Credit Officer → Senior Credit Analyst → Credit Manager → Senior Credit Manager → Head of Credit / Chief Credit Officer.
How do I find Credit Analyst jobs in Gurgaon?
Search current Credit Analyst openings in Gurgaon on job boards and company career pages, and tailor your resume to each job description: lead with the skills it lists and show results with numbers. Pay for Credit Analyst roles in India typically ranges ₹3.5L–₹25L+ a year depending on experience.
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