Is Credit Analyst actually your fit?

A 15-minute focused check — only the assessments that actually predict success in this role. No fluff, no full battery.

Role you're checking

Credit Analyst

Finance

Credit Analysts in Indian banks (HDFC Bank, ICICI Bank, Axis Bank, SBI, Kotak Mahindra Bank) and NBFCs (Bajaj Finance, L&T Finance, Shriram Finance, Mahindra Finance) evaluate the creditworthiness of corporate and retail borrowers before loans are sanctioned. The core deliverable is a Credit Monitoring Arrangement (CMA) report — a structured analysis of the borrower's audited balance sheets, P&L statements, cash flow projections, and key credit ratios including Debt Service Coverage Ratio (DSCR), Interest Coverage Ratio (ICR), Current Ratio, and Debt-Equity Ratio — culminating in a credit appraisal note that goes before a credit committee. On the rating-agency side, analysts at CRISIL, ICRA, CARE Ratings, and India Ratings produce long-form sector reports and issuer ratings under RBI-mandated Credit Rating Agency frameworks. This is not loan-officer sales work (origination) or equity research (upside forecasting) — it is rigorous solvency and default-risk analysis against RBI's Master Direction on Income Recognition, Asset Classification and Provisioning (IRACP) norms, working within the bank's credit policy.

What you'll do

1
Career Interests
7 min
Tells us if the day-to-day activities of this role energize you.
2
Personality Profile
8 min
Reveals whether the working style this role demands fits how you naturally show up.

What you'll get — free

A clear fit verdict for Credit Analyst — strong, good, worth exploring, or stretch.
The 2-3 reasons it fits (or doesn't), based on what this role actually demands.
An honest signal on whether to keep exploring this path or look elsewhere.

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Is Credit Analyst actually your fit?

Credit Analyst

Career Interests

Personality Profile