Credit Analyst

ACKO; Mumbai; On-site; INR 900,000 - 1,300,000; Full time

Job summary

ACKO, a product-tech insurance company in Mumbai, is seeking a Credit Analyst to evaluate issuers, prepare credit appraisal notes, and monitor debt portfolios. The role requires deep understanding of financial statements and risk assessment.

You will track RBI/SEBI/IRDAI regulations, work under tight deadlines, and contribute to investment recommendations. The ideal candidate has 4–7 years in credit analysis, with experience in financial services, insurance, or NBFCs.

Qualifications

• 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

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 ratios

Balance sheet

Cash flow

Analytical skills

Report writing

Presentation skills

Regulatory deadlines

Education

MBA (Finance) / CA / CFA

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)