{"id":2903455,"url":"https://alion.io/job/acko-credit-analyst","title":"Credit Analyst","company":{"id":6752,"name":"Acko","domain":"acko.com","url":"https://alion.io/company/acko","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Kula","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"middle","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Mumbai, India"],"countries":["IN"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":7500,"max_usd":17500,"period":"year","method":"role_seniority_country_remote_cell","sample_n":13},"experience_years_min":4,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-19T07:19:45Z","employer_posted_date":"2026-10-20","last_verified_at":"2026-11-01T22:19:27Z","board_verified":true,"closed_at":null,"days_open":13,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":13},"description":"About Us\nACKO 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.\nWe 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.\nBut 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.\nJoin 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.\nHaving 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.\nKey Responsibilities\nConduct credit analysis of proposed issuers, including corporates, PSUs, NBFCs and banks, through financial statement review, cash flow assessment and business/industry risk evaluation.\n\nPrepare credit appraisal notes and investment recommendation reports for the Sub Investment Committee.\n\nMonitor the debt portfolio for rating changes, covenant breaches, sector stress and early warning signals.\n\nTrack macroeconomic, sector and company-specific developments that may impact credit quality.\n\nTrack regulatory updates from RBI, SEBI, and IRDAI, and assess their impact on portfolio holdings.\n\nSkills & Experience Required\nStrong understanding of credit analysis principles, financial ratio analysis, and balance sheet/cash flow interpretation\n\nStrong analytical, report-writing, and presentation skills\n\nAbility to work under regulatory and reporting deadlines\n\n4-7 years of overall experience, with at least 2 years in credit research or credit analysis.\n\nPrior experience with an insurance company, mutual fund/AMC, bank credit department, NBFC, or a credit rating agency preferred\n\nEducational Qualification\nMBA (Finance) / CA / CFA from a recognized institute\n\nCFA / FRM certification preferred (completed or pursuing)","description_format":"text","description_chars":3456,"description_truncated":false,"requirements":{"experience_years_min":4,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":{"level":"master","optional":false},"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Property & Casualty Insurance","Insurance Brokers & Agencies"],"lifecycle":[{"event":"open","at":"2026-10-20T07:19:45Z"}],"visa":[],"liveness":{"score":25,"band":"fade","label":"Fading","p_open":1,"p_active":0.564,"p_room":0.45,"age_days":12,"expected_fill_days":7,"reasons":["conf:0","velocity","win:tail"],"computed_at":"2026-11-01T06:10:25Z"},"pay":null,"html_url":"https://alion.io/job/acko-credit-analyst","json_url":"https://alion.io/job/acko-credit-analyst.json","meta":{"generated_at":"2026-11-01T23:38:58Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":36030,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-11-02T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":6752},"rest":"https://alion.io/mcp/rest/get_company?id=6752"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Facko-credit-analyst"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Facko-credit-analyst"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Facko-credit-analyst"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/acko-credit-analyst\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Facko-credit-analyst"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":2903455}},{"tool":"search_jobs","arguments":{"company":"acko.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":2903455},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. Docs: https://alion.io/developers"}}