Acko Logo

Acko

Credit Analyst

Posted 18 Days Ago
Be an Early Applicant
In-Office
Mumbai, Maharashtra, IND
Senior level
In-Office
Mumbai, Maharashtra, IND
Senior level
Conduct credit analysis of corporates, PSUs, NBFCs, and banks by reviewing financial statements, cash flows, business risks, and industry conditions. Prepare credit appraisal and investment recommendation reports, monitor debt portfolios for rating changes, covenant breaches, sector stress, and early warning signals, and evaluate macroeconomic, company-specific, and RBI, SEBI, and IRDAI regulatory developments affecting portfolio holdings.
The summary above was generated by AI
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)

Acko Mumbai, Maharashtra, IND Office

Mumbai, Maharashtra, India, 400063

Similar Jobs

4 Days Ago
In-Office
Mumbai, Maharashtra, IND
Mid level
Mid level
Fintech • Information Technology • Financial Services
Supports middle-office operations for private high-grade credit, including cash and position reconciliations, trade settlement, loan and security administration, lifecycle event processing, accounting tie-outs, audit support, and discrepancy resolution. The role also supports cross-currency swap accounting, investment return reconciliation, new private placement funding, and workflow automation testing while coordinating with custodians, administrators, clients, accounting, valuation, and technology teams.
Top Skills: Accounting SystemsAladdinClearwaterCross-Currency SwapsFis VpmFixed Income SecuritiesInterest Rate SwapsIvp ProductsExcelMicrosoft OutlookSecurity Master SystemsUser Acceptance Testing (Uat)
4 Days Ago
In-Office
Mumbai, Maharashtra, IND
Mid level
Mid level
Software • Financial Services
Evaluates and monitors investment-grade corporate credit, primarily financial institutions. Performs fundamental credit research, financial and exposure analysis, surveillance, risk measurement, and stress testing. Reviews market data, company filings, and industry trends; develops credit opinions and rating recommendations; presents to rating committees; supports database and reporting processes; and identifies emerging risks and approved investment opportunities.
Top Skills: BloombergExcel
12 Days Ago
In-Office
Entry level
Entry level
Information Technology
Analyzes customer credit risk, recommends credit limits and payment terms, manages credit holds and order releases, monitors receivables and overdue accounts, prepares credit-control reporting, supports audits and financial close, maintains documentation, and contributes to process improvements. The role balances commercial requirements with credit policies while collaborating with Sales, Accounts Receivable, Order Management, Finance, and customers.
Top Skills: EssbaseExcelObieeOraclePowerPoint

What you need to know about the Mumbai Tech Scene

From haggling for the best price at Chor Bazaar to the bustle of Crawford Market, the energy of Mumbai's traditional markets is a key part of the city's charm. And while these markets will always have their place, the city also boasts a thriving e-commerce scene, ranking among the largest in the region. Driven by online sales in everything from snacks to licensed sports merchandise to children's apparel, the local industry is worth billions, with companies actively recruiting to meet the demands of continued growth.

Sign up now Access later

Create Free Account

Please log in or sign up to report this job.

Create Free Account