Credit Analyst

ACKO Technology & Services Private Limited; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

ACKO Technology & Services Private Limited, based in Mumbai, seeks an experienced Credit Analyst to conduct credit analysis of issuers, prepare appraisal notes, and monitor portfolios with respect to ratings, covenants and regulatory updates. You will evaluate macroeconomic and sector factors affecting credit quality and contribute to investment decisions.

The role requires 4–7 years in credit research or analysis, with preference for candidates from insurance, mutual funds/AMC, banks, NBFCs or

Qualifications

• Strong understanding of credit analysis principles and financial ratio analysis.
• Experience with credit research or credit analysis in financial services.
• Ability to work under regulatory and reporting deadlines.
• Prior experience with insurance, mutual funds/AMC, banks, NBFC, or credit rating agency preferred.

Responsibilities

• Conduct credit analysis of proposed issuers, including corporates, PSUs, NBFCs and banks, through financial statement review, cash flow assessment and business/industry risk evaluation.
• Prepare credit appraisal notes and investment recommendation reports for the Sub Investment Committee.
• Monitor the debt portfolio for rating changes, covenant breaches, sector stress and early warning signals.
• Track macroeconomic, sector and company-specific developments that may impact credit quality.
• Track regulatory updates from RBI, SEBI, and IRDAI, and assess their impact on portfolio holdings.

Skills

Credit analysis

Financial ratio analysis

Balance sheet interpretation

Cash flow analysis

Report writing

Presentation skills

Regulatory compliance

Education

MBA (Finance)

CA

CFA

FRM

Job description

About Us

ACKO is the protection destination for over 200 million tech-savvy families across India, protecting their families, assets and money. Launched in 2016, ACKO started by reimagining insurance, making it simple, hassle-free and customer-first. Today, our mission goes beyond that: we aim to touch the lives of 1 million users, building products that solve real-world problems with technology at the core.

We are not just another insurance company, our DNA is product-tech, and our approach is bold, innovative, and digital-first. From zero commission, zero paperwork, and instant renewals to same-day claims settlements and app-based tracking, ACKO is a Welcome Change from traditional insurers.

But what truly sets us apart? Our people. At ACKO, every Acker’s voice and ideas matter. We’re a vibrant, inclusive team of creators, thinkers, and doers, building products that redefine protection while ensuring each Acker grows, thrives and does meaningful work.

Join us at ACKO, where bold ideas, real impact and tech-driven innovation redefine protection and peace of mind - and where YOU can make a real difference in people's lives. ACKO is a product-tech company, launched in 2016, solving real-world problems for customers, starting with insurance. And as a customer-first organization serving the digitally-savvy, ACKO’s value proposition of ‘Welcome Change’ focuses on offerings that make insurance simple and hassle-free! With features such as zero commission, zero paperwork, instant renewal, same-day claim settlements, and app-based updates on claims, ACKO is a 'Welcome Change' from traditional insurers.

Having said that, we are not just another conventional insurance firm, or the people consulted solely for "claims"! Anchored in a tech-centric philosophy, ACKO’s approach fuels innovation, empowering us to develop comprehensive products that cater to every aspect of our customers' insurance requirements. And while we are at it, we put our Ackers at the heart of everything we do. We're not your typical 9-to-5 workplace; we're a vibrant and inclusive bunch of innovators and creators making sure every Acker’s idea matters, their voice is heard, and their growth is part of our mission.

Key Responsibilities

• Conduct credit analysis of proposed issuers, including corporates, PSUs, NBFCs and banks, through financial statement review, cash flow assessment and business/industry risk evaluation.
• Prepare credit appraisal notes and investment recommendation reports for the Sub Investment Committee.
• Monitor the debt portfolio for rating changes, covenant breaches, sector stress and early warning signals.
• Track macroeconomic, sector and company-specific developments that may impact credit quality.
• Track regulatory updates from RBI, SEBI, and IRDAI, and assess their impact on portfolio holdings.

Skills & Experience Required

• Strong understanding of credit analysis principles, financial ratio analysis, and balance sheet/cash flow interpretation
• Strong analytical, report-writing, and presentation skills
• Ability to work under regulatory and reporting deadlines
• 4–7 years of overall experience, with at least 2 years in credit research or credit analysis.
• Prior experience with an insurance company, mutual fund/AMC, bank credit department, NBFC, or a credit rating agency preferred

Educational Qualification

• MBA (Finance) / CA / CFA from a recognized institute
• CFA / FRM certification preferred (completed or pursuing)