Credit Analyst

Birla Pivot; Bengaluru; On-site; INR 600,000 - 900,000; Full time

Job summary

Birla Pivot, Grasim Industries' fast-growing B2B e-commerce platform for the construction industry, is looking for a Credit Analyst to join our Strategic Partnerships team, reporting to the Underwriting Lead. Great opportunity for CAs with hands-on experience in business/unsecured lending to take the next step in their career!

Join us to assess creditworthiness, analyze cash flows, and conduct due diligence to support informed credit decisions.

Qualifications

• Qualified Chartered Accountant (CA)
• 3-4 years of relevant experience in business loans / unsecured lending, credit analysis, banking, or financial services
• Strong analytical and financial modeling skills
• Excellent attention to detail and communication skills
• A collaborative, team-first mindset

Responsibilities

• Assess creditworthiness of buyers through financial statement analysis, credit scoring, and risk assessment
• Conduct cash flow, ratio, and trend analysis to evaluate financial health and flag red flags
• Own credit documentation accuracy and due diligence checks
• Communicate credit decisions and portfolio risk to key stakeholders
• Monitor the credit portfolio for early warning signs and support ongoing credit reviews

Skills

Credit analysis

Financial modeling

Cash flow analysis

Attention to detail

Communication skills

Education

Chartered Accountant (CA)

Tools

Excel

Job description

Birla Pivot, Grasim Industries' fast-growing B2B e-commerce platform for the construction industry, is looking for a Credit Analyst to join our Strategic Partnerships team, reporting to the Underwriting Lead. Great opportunity for CAs with hands-on experience in business/unsecured lending to take the next step in their career!

What you'll do:

• Assess creditworthiness of buyers through financial statement analysis, credit scoring, and risk assessment
• Conduct cash flow, ratio, and trend analysis to evaluate financial health and flag red flags
• Own credit documentation accuracy and due diligence checks
• Communicate credit decisions and portfolio risk to key stakeholders
• Monitor the credit portfolio for early warning signs and support ongoing credit reviews

What we're looking for:

• Qualified Chartered Accountant (CA)
• 3-4 years of relevant experience in business loans / unsecured lending, credit analysis, banking, or financial services
• Strong analytical and financial modeling skills
• Excellent attention to detail and communication skills
• A collaborative, team-first mindset

Join us as we build one of India's fastest-growing B2B e-commerce platforms, backed by the Aditya Birla Group's legacy.

About Birla Pivot:

In a short span of 2.5 years since inception, Birla Pivot has evolved into a comprehensive B2B e-commerce platform offering integrated procurement and financial solutions that help businesses become efficient and grow. We offer products across 35 categories, 40,000+ SKUs from 300+ brands across Building Material, Chemicals & Metals. We launched private labels in 3 categories: Tiles, Ply and Bath ware. With a robust network of suppliers and transporters, we have delivered to 4,000+ pin codes across 375 cities. Our customer base now spans top-tier EPC companies, civil contractors, real estate developers, OEMs, fabricators, manufacturing companies, dealers, and retailers. We connect Sellers, Buyers, Logistics service providers, Lending partners, Payment solution providers on a unified digital backbone thereby creating end-to-end visibility and providing a B2C-like fulfilment experience for the B2B ecosystem.

The evolution of B2B ecommerce is expected to mirror the B2C ecommerce journey, where technology transformed discovery, pricing, fulfilment, and customer experience at scale. Digital penetration today in B2B ecommerce is still under 2%, indicating massive headroom for scalable digital-first platforms. As the Aditya Birla Group, we are uniquely positioned to transform and shape the way commerce is done across these verticals by leveraging our deep industry expertise and scale. We have built a unique Quote based, Credit linked commerce journey that solves for the needs of B2B commerce with a diverse team that is a mix of deep industry expertise and experience of building complex technology platforms from the ground up. Our goal is to drive this digital adoption and create a distribution platform that can become the most trusted B2B e-commerce platform in the country.