Consultant Credit Analyst (CCA) on Contractual Basis

📋 Job Description

- Engagement of Consultant Credit Analyst (CCA) on a full-time contractual basis for the MSME sector.
- Role involves business development, credit appraisal, sanctions, disbursements, and customer management for MSMEs.
- Responsibilities include credit monitoring, account reviews, and representing SIDBI in credit committees.
- Posting locations include Mumbai, Delhi, Lucknow, and branch offices across Tamil Nadu, Gujarat, Rajasthan, and nearby states.
- Opportunity to work with SIDBI’s verticals such as Risk Management, Institutional Finance, and Digital Initiatives.
- Contract duration: Initial 3 years, extendable up to 2 more years based on performance.
- Competitive CTC of ₹12.00 lakh per annum with a 10% variable component linked to performance.
- Focus on sustainable MSME development and integration into global value chains.

✅ Eligibility Criteria

- Age limit: Maximum 28 years as of June 30, 2026.
- Age relaxation: 5 years for SC/ST, 3 years for OBC, and 10 years for PwBD candidates.
- Educational qualification: Qualified Chartered Accountant (CA Final passed in not more than two attempts).
- Relaxation in CA exam attempts may be considered for SC/ST/OBC/EWS/PwBD candidates if required.
- No prior work experience is required.
- Must be a citizen of India.
- Candidates must produce valid certificates for reserved categories as per Government of India guidelines.

🏆 Selection Process

- Selection is conducted by ICAI Placement Directorate for newly qualified Chartered Accountants.
- Shortlisting based on application and performance in a psychometric test (if conducted).
- Personal interviews will be held in Mumbai, New Delhi, Chennai, and Ahmedabad.
- Merit list prepared based on interview scores only.
- Waitlist may be drawn for future vacancies if required.
- In case of equal marks, candidates will be ranked by age (older candidates ranked higher).
- Bank reserves the right to modify the selection procedure as deemed necessary.

📊 Key Information

Organization	Small Industries Development Bank of India
Location / State	All India
Job Location	Mumbai, New Delhi, Chennai, Ahmedabad (interview locations); Mumbai, Delhi, Lucknow, and branch offices across Tamil Nadu, Gujarat, Rajasthan, and nearby states (posting locations).
Category Eligibility	Open to all categories (General, OBC, SC, ST, EWS, PwBD) with applicable reservations.
Experience Required	No prior work experience required.

📊 SIDBI Recruitment - Vacancy Details

Post Name	Total Posts
Consultant Credit Analyst (CCA)	50
Total	50

📁 Required Documents

- Valid CA Final exam pass certificate.
- Age proof (birth certificate, 10th/12th mark sheet, or government-issued ID).
- Caste certificate (for SC/ST/OBC/EWS candidates) issued by a competent authority.
- Disability certificate (for PwBD candidates) as per Government of India guidelines.
- Educational qualification certificates (CA Final mark sheet and degree).
- No-objection certificate (if currently employed).
- Passport-sized photographs.
- Any other documents as specified by ICAI or SIDBI during the application process.

🎓 Required Qualifications

📊 Vacancy Details

Total vacancies: 50.
Reservation breakdown: SC (8), ST (6 including 3 backlog), OBC (9), EWS (4), UR (23), PwBD (2 including 1 backlog each for VI/HI/MD/ID).
PwBD vacancies are horizontal and included in the parent category totals.
In case suitable PwBD candidates are not found, vacancies may be filled from other PwBD sub-categories.
Vacancies are provisional and may vary as per organizational requirements.

❓ Frequently Asked Questions

Q. What is the role of a Consultant Credit Analyst (CCA) at SIDBI?

A. The Consultant Credit Analyst (CCA) is responsible for business development, appraisal of MSME credit proposals, sanctions, disbursements, customer management, credit monitoring, and follow-up. They may also represent SIDBI on various forums, serve on credit committees, and handle operational work in specific verticals based on their posting.

Q. What are the eligibility criteria for the Consultant Credit Analyst (CCA) position?

A. Candidates must be qualified Chartered Accountants who have cleared the CA Final exams in no more than two attempts. The maximum age limit is 28 years as of June 30, 2026, with relaxations for SC/ST (5 years), OBC (3 years), and PwBD (10 years).

Q. What is the remuneration package for the Consultant Credit Analyst (CCA) role?

A. The selected candidates will receive a remuneration of ₹12.00 lakh per annum on a Cost to Company (CTC) basis, including fixed and variable components. There is also a provision for an annual increment based on performance reviews, and a variable component of 10% subject to satisfactory performance.

Q. How will the selection process for the Consultant Credit Analyst (CCA) position be conducted?

A. The selection process includes shortlisting and a personal interview at locations such as Mumbai, New Delhi, Chennai, and Ahmedabad. A psychometric test or other suitable assessments may also be conducted to evaluate candidates' personality, communication skills, problem-solving abilities, and efficiency.

Q. What is the contract duration for the Consultant Credit Analyst (CCA) position?

A. The initial contract duration is three years, subject to an interim review. The contract may be extended for up to two additional years at the sole discretion of SIDBI. Either party can terminate the contract with a three-month notice period.