Credit Analyst in Bangalore

About This Role BankPath India is seeking a sharp and analytical Credit Analyst to evaluate loan applications, assess credit risk, and support lending decisions for our Bangalore operations. In this role, you will play a critical part in maintaining a healthy loan portfolio by ensuring that credit assessments are rigorous, data-driven, and compliant with regulatory standards. Key Responsibilities Analyse financial statements, bank statements, income tax returns, and credit bureau reports to assess the creditworthiness of individual and business loan applicants Prepare detailed credit appraisal reports with recommendations for loan approval, modification, or rejection Evaluate collateral documents, property valuations, and mortgage terms for secured lending applications Identify credit risks, fraud indicators, and anomalies in application data and escalate findings to the credit manager Ensure all credit assessments comply with RBI norms, internal credit policies, and regulatory guidelines Monitor the performance of the existing loan portfolio and flag early warning signs of delinquency Coordinate with sales, operations, and legal teams to ensure smooth loan processing and disbursement Maintain accurate records of all credit decisions, justifications, and supporting documents Required Skills and Qualifications Bachelor's or Master's degree in Finance, Accounting, Economics, or Commerce 13 years of experience in credit analysis, underwriting, or financial risk assessment Strong financial modelling, ratio analysis, and credit scoring skills Knowledge of RBI credit guidelines, CIBIL, and bank lending frameworks Proficiency in MS Excel, financial analysis tools, and loan management systems CA (Inter) or CFA Level 1 qualification is an advantage What We Offer Monthly salary of 32,00052,000 based on qualifications and experience Exposure to diverse credit portfolios across retail, SME, and corporate lending Mentoring by senior credit professionals and risk management experts Professional development support including CFA, CA, and credit certification programmes Structured career path toward Senior Credit Analyst or Credit Manager roles About BankPath India BankPath India's credit and risk division supports lending decisions for retail and SME clients across multiple banking partnerships. Our Bangalore credit team handles high volumes of mortgage, personal loan, business loan, and vehicle finance applications, maintaining a portfolio that consistently outperforms national NPA benchmarks. .