Bharat Banking:Credit Analyst - Nano Business

Axis Bank
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📍 Ahmedabad, IndiaRegular

About this role

Credit Analyst
INTERNAL USAGE:
No. of Vacancies: Reports to:Area Manager- Credit Analyst
Is a Team leader?NTeam Size:NA
  
Grade:AM/DM
Business:Bharat BankingDepartment: Bharat EnterpriseSub-Department:Nano Business
Location: 
About  
This is new vertical in Bharat Banking-Bharat Enterprise. This vertical specially caters to credit needs of Nano business enterprises wherein the credit requirement both secured and un-secured in between 1-20 Lakh.
About the Role

The Credit Analyst is responsible for credit and income assessment as per prescribed parameters for the leads generated by Sales Team for Nano secured and un-secured business loan with ticket size between 1-20 Lakh. 

The Role is expected to deliver on portfolio quality and TAT as per defined parameters of the bank

Key Responsibilities
  • Customers assessment by visiting business, residence and collateral place
  • Meet customer to capture data points with regard to income based on business specific PD sheet
  • Ensure the verification process is compiled within expected TAT with first time right approach
  • Broad assessment of collateral w.r to valuation and other parameters as per banks policy
  • Conduct holistic and quality reference checks
  • Ensure compliance w.r to documentation and other policy guidance
  • Manage early delinquencies to ensure portfolio performance
  • Should have valid two wheeler driving licenses, two wheeler and Smart phone (preferably android9/IOS 9 and above)
Qualifications

Optimal qualification for success on the job is:

  • Education: Graduation/Post Graduation 
  • Age: Max: 30 Year
  • Experience: 1-5 Years of experience in verification/PD bases assessment of customer in Bank or NBFC for- Nano/Micro Business Loans/ Small ticket LAP/ Self-employed PL/ AHL
    • Good understanding of Micro/Small unsecured Business loan, Affordable housing or Small ticket LAP
Role Proficiencies:

For successful execution of the job, a candidate should possess the following:

  • Knowledge 
  • Good knowledge of field level operations and systems
  • Experience in assessed business income is must. 
  • Should have knowledge on 
    • Local market understanding
    • Understanding on Bank statement
    • Repayment record assessment
    • Understanding of local market practices with regard to legal and valuation of property
  • Skills 
  • Good communication (both verbal & written) and inter-personal skills
  • Time management
  • Local language

 

  • Abilities 
  • Ability to work effectively across functions
  • Ability to work as a part of team and contribute towards team goals
  • Ability to travel minimum 15- 20 days a month

 

Frequently Asked Questions

Is the salary disclosed for the Bharat Banking:Credit Analyst - Nano Business position at Axis Bank?
The salary for this Bharat Banking:Credit Analyst - Nano Business role at Axis Bank is not publicly listed. Click "Apply Now" to learn more about the compensation package on their official careers page.
Where is the Bharat Banking:Credit Analyst - Nano Business position at Axis Bank located?
This Bharat Banking:Credit Analyst - Nano Business role at Axis Bank is based in Ahmedabad, India. The position is listed as on-site or hybrid. Check the full job description or apply directly to confirm the work arrangement.
Is the Bharat Banking:Credit Analyst - Nano Business role at Axis Bank full-time or part-time?
This is listed as a Regular position. It is posted as a Bharat Banking:Credit Analyst - Nano Business role at Axis Bank.
How do I apply for the Bharat Banking:Credit Analyst - Nano Business position at Axis Bank?
Click the "Apply Now" button on this page. You will be redirected to Axis Bank's official application portal hosted on ripplehire where you can submit your application directly.
When was the Bharat Banking:Credit Analyst - Nano Business job at Axis Bank posted?
This Bharat Banking:Credit Analyst - Nano Business position at Axis Bank was posted on Sep 3, 2026. Apply as soon as possible — early applications are often reviewed first.
Bharat Banking:Credit Analyst - Nano Business
Axis Bank
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