Evaluates the creditworthiness of individuals or businesses by analysing financial statements, credit history, and market conditions.

Assesses risk levels associated with lending and recommends approval or denial of credit applications.

Prepares detailed reports summarising findings and presenting recommendations to underwriters or management.

Monitors existing loans to identify potential risks and ensure compliance with lending policies.

Stays updated on economic trends, industry risks, and regulatory changes affecting credit decisions.

Entry-level Salary: 4 to 6 LPA

Mid-level Salary: 5 to 10 LPA

Senior-level Salary: 15 to 35 LPA

Study Finance & Accounting Basics through courses or certifications to understand financial statements, ratios, and credit principles.

Master Financial Modeling in Excel by practising debt structuring, cash flow analysis, and risk assessment scenarios.

Gain Industry Knowledge by following market trends, reading credit reports, and analysing real-world case studies.

Develop Analytical & Soft Skills like attention to detail, communication, and decision-making through projects or internships.

Network & Seek Mentorship by connecting with professionals on LinkedIn, attending finance events, and seeking guidance from experienced credit analysts.

Offers stable and rewarding career growth in the financial sector with consistent demand.

Enhances analytical and decision-making skills through real-world credit risk evaluation.

Opens opportunities across banks, NBFCs, investment firms, and credit rating agencies.

Provides strong earning potential with room for professional advancement and certifications.

Builds a solid foundation for specialised roles in corporate finance, risk, and investment analysis.