He is a person who scrutinizes information from various Sources like company accounts or media reports etc. and evaluates the perils, visible or hidden, in issuing loan to the client.  These trained personnel are mostly engaged with mutual fund houses, private equity firms, commercial banks, investment banks, credit rating agencies etc.


9.00 am-12 pm: Discussion on the day’s work and targets or to-do lists. Then, starting the checking the financial information as per the plan and interpret the data to fetch out desired info

1 pm: Tentative break for lunch

2 pm: Meetings and conferences with clients

7.15 pm: Confirming the day’s progress with boss and planning for travel the next day if necessary e.g. a visit to client’s Plant or Factory for verification etc.

7:30 pm: Sweet home


The average CTC of a credit analyst working in a listed company (whose shares are traded) is about Rs 5 lakh to Rs 8 lakh per year. You can grow to be a CEO or an MD. The average salary of a CEO, with a PG degree and 20years’ experience, is about Rs 40 lakh per annum


  • Excellent quantitative aptitude
  • razor-sharp investigative and managerial skills
  • Written and oral communication skills in English of the highest standard
  • Multitasker and acute performer who enjoys pressure
  • Ethically strong and Honest


The candidate can study any stream in class 12th as well as Graduation. Even students from B.Tech and B.E. streams can easily join this illustrative career because the chief criteria of this job is top-notch quantitative and analytical skills. Many employers themselves ask for BTech, CS or CA qualifications as the basic degree qualification and further you need a Master’s degree, such as an MBA (finance), to brighten your chances of landing a promising job in a reputed company. Please remember, you can’t straight away become a credit analyst after completing graduation because it is a job of the greatest responsibility and it carries an element of tremendous risk also.


  • IIMs
  • IITs
  • IIFT
  • FMS
  • ICAI
  • ICSI


  • precipitous erudition curve
  • prospects of interacting with the Board of Directors of an organization.
  • Exposure to diverse streams, avenues and Disciplines is possible as one gains experience
  • liberty to take decisions autonomously; handling delegation from an early age
  • Extensive travel is involved to meet clients and inspect the plant sites
  • You have to work with stern deadlines so day and night become one very often

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