Job Summary:

Bandhan Bank is seeking a motivated and detail-oriented Entry-Level Credit Analyst to join our SME & Business Loans team. In this role, you will be responsible for evaluating creditworthiness, analyzing financial statements, and supporting the decision-making process for lending to small and medium-sized enterprises. This position offers an excellent opportunity for early-career professionals to gain hands-on experience in credit assessment, risk management, and banking operations within a fast-growing financial institution.

The ideal candidate is analytical, proactive, and eager to learn, with strong interpersonal and communication skills to collaborate effectively with clients and internal stakeholders.

Key Responsibilities:

• Analyze and assess credit applications from SMEs and business clients.

• Evaluate financial statements, cash flows, and business performance indicators.

• Conduct risk assessments to determine the creditworthiness of clients.

• Prepare detailed credit reports and recommendations for approval by senior management.

• Monitor existing credit exposures and ensure timely follow-ups on repayments.

• Collaborate with relationship managers, branch staff, and other stakeholders to ensure accurate and complete loan documentation.

• Stay updated on industry trends, regulatory requirements, and market conditions affecting SME lending.

• Support the development of innovative credit solutions tailored to SME needs.

Required Skills and Qualifications:

• Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field.

• Strong understanding of financial statements, ratios, and credit principles.

• Proficiency in Microsoft Office applications, especially Excel.

• Excellent analytical and problem-solving abilities.

• Strong verbal and written communication skills.

• Attention to detail and accuracy in financial analysis.

• Ability to work independently as well as in a collaborative team environment.

Experience:

• Fresh graduates with relevant internships in banking, finance, or credit analysis are encouraged to apply.

• 0–2 years of experience in credit evaluation, banking operations, or financial analysis is preferred but not mandatory.

Working Hours:

• Full-time position.

• Standard banking hours, Monday to Friday, with occasional extended hours as required to meet deadlines.

Knowledge, Skills, and Abilities:

• Strong numerical and analytical aptitude.

• Knowledge of banking products, SME lending processes, and financial risk assessment.

• Ability to interpret complex financial data and make informed recommendations.

• High level of integrity, confidentiality, and ethical judgment.

• Good time management and organizational skills to handle multiple tasks efficiently.

• Customer-focused mindset with the ability to build positive relationships with clients and colleagues.

Benefits:

• Competitive salary and performance-based incentives.

• Comprehensive health and insurance benefits.

• Professional development and training programs.

• Opportunities for career growth within a leading banking institution.

• Dynamic and supportive work environment.

• Employee engagement initiatives and wellness programs.

Why Join Bandhan Bank:

Bandhan Bank is a leading financial institution committed to financial inclusion and empowering SMEs. Joining our team means working in a collaborative, innovative, and growth-oriented environment where your contributions are recognized and rewarded. You will gain valuable experience in credit analysis, exposure to diverse businesses, and opportunities for professional advancement in the banking sector.

How to Apply:

Interested candidates are encouraged to submit their updated resume along with a cover letter highlighting relevant skills and experiences via the Bandhan Bank career portal or email us. Please mention “Entry-Level Credit Analyst – SME & Business Loans” in the subject line.