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Applications are open for the Credit Analyst position at Infosys in Visakhapatnam. You will join a working credit analytics team, own a defined set of reports and analyses end to end, and see your findings turn into decisions that people act on. About the role The Credit Analyst at Infosys is the bridge between the data and the decision. Your work centres on analysing borrower and portfolio data to support underwriting decisions using Excel, SQL and credit bureau data, and on making sure that everyone reading your numbers understands what they mean and how far they can be trusted. Key responsibilities • Analyse applicant financials and bureau data for credit decisions • Monitor portfolio delinquency, roll rates and vintage performance • Prepare credit MIS and early-warning reports • Support policy changes with data-backed recommendations • Maintain documentation for audit and regulatory review • Validate and reconcile numbers before they are published, and document known data caveats • Automate recurring reporting so the team spends its time on analysis rather than refreshes • Present findings to non-technical stakeholders in clear, plain language Required skills and tools • Advanced Excel • SQL • Credit Risk Fundamentals • Financial Statement Analysis • Bureau Data Analysis • Portfolio Monitoring • Power BI • Statistics • Underwriting Policy • Report Writing • Attention to Detail • Communication Eligibility criteria • Education: B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree. Candidates from any recognised university are welcome. • Graduation year: any, provided the experience requirement is met. • Minimum 60% / 6.0 CGPA in the highest qualification (indicative — strong practical skills can offset this). • Experience: 1–4 years in analytics, reporting, MIS or a closely related function. • Technical skills: Advanced Excel, SQL, Credit Risk Fundamentals, Financial Statement Analysis, Bureau Data Analysis, Portfolio Monitoring. • Soft skills: structured thinking, attention to detail, stakeholder communication, ownership and the confidence to flag a number that looks wrong. Salary and compensation • Annual CTC: ₹4,30,000 – ₹9,40,000 per year (4.3 LPA – 9.4 LPA), an indicative market range for this role in Visakhapatnam. • Monthly equivalent: approximately ₹57,000 per month at the mid-point of the range. • Currency: INR (₹). • Performance bonus / variable pay as per Infosys's policy, reviewed annually. • The exact offer is confirmed by Infosys based on your interview performance and current compensation. Perks and benefits • Employee wellness programmes • Team offsites and networking opportunities • Competitive salary as per market benchmarks • Annual performance bonus / variable pay • Health insurance for you and your dependants • Provident Fund and statutory benefits • Structured onboarding and mentorship • Learning & certification support (SQL, Power BI, Tableau, cloud) Location, work mode and employment type • Location: Visakhapatnam, Andhra Pradesh • Work mode: Work From Office • Employment type: Full-time, permanent • Working hours: 10:00 AM – 7:00 PM, Monday to Friday • Number of openings: 2 • Joining: immediate to 60 days, as per your notice period Selection process • Round 1 — Resume screening and profile shortlisting by the talent acquisition team • Round 2 — Business / stakeholder round — how you scope a question and communicate findings • Round 3 — Hiring manager discussion — role expectations, ownership and team fit • Round 4 — HR discussion — compensation, notice period, joining date and offer roll-out Who should apply Candidates from B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree with 1 to 4 years of relevant experience who are based in Visakhapatnam or willing to relocate. You should be comfortable with Advanced Excel, SQL, Credit Risk Fundamentals and able to explain your analysis to someone who has never seen the data. Portfolio projects, Kaggle work, a GitHub repo or published dashboards strengthen an application, especially for early-career candidates. Why join Infosys Infosys invests in its analytics people — structured onboarding, mentorship from senior analysts, certification support and a clear path from analyst to senior analyst and beyond. High performers move into senior and lead analyst roles, take ownership of a business vertical, or specialise in data science, data engineering or product analytics. You will leave every year of this role with underwriting analysis that measurably improved portfolio quality. How to apply Click Apply Now. If you are not signed in you will be asked to log in or create a free MyInternships.in candidate account first, after which you will be taken directly to Infosys's official careers page to submit your application. Applications close on 22 September 2026 and are reviewed on a rolling basis, so apply early. Additional information • Documents required at the interview stage: updated resume, degree certificates or provisional certificate, and government photo ID. • Experienced candidates should also carry recent payslips and a relieving or experience letter. • There is no service bond for this position, and no equipment deposit is taken. • A laptop and licensed analytics tooling are provided by Infosys for office and hybrid roles. • Infosys and MyInternships.in never charge a fee at any stage of the application, selection or onboarding process. If anyone asks you for money in the name of this job, do not pay — report it. Responsibilities: Analyse applicant financials and bureau data for credit decisions; Monitor portfolio delinquency, roll rates and vintage performance; Prepare credit MIS and early-warning reports; Support policy changes with data-backed recommendations; Maintain documentation for audit and regulatory review; Validate and reconcile numbers before publishing, and document data caveats; Automate recurring reporting to free up time for real analysis; Present findings clearly to non-technical stakeholders. Requirements: B.Com/M.Com/BBA/MBA (Finance)/CA Inter/B.E./B.Tech or an equivalent degree from a recognised university; 1–4 years of experience in analytics, reporting or MIS — relevant hands-on experience required; Working knowledge of Advanced Excel, SQL, Credit Risk Fundamentals; Comfort with Excel, SQL and credit bureau data and with cleaning messy, real-world data; Ability to define a metric precisely and explain a result to a non-technical stakeholder; Attention to detail, ownership and the discipline to document your work; Based in Visakhapatnam, Andhra Pradesh or willing to relocate.