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NCS Code: 5503
An agri-credit analyst evaluates the creditworthiness of farmers, farmer-producer organisations, agri-input businesses, and other rural borrowers. The role combines agricultural understanding with financial analysis to assess cash flows, seasonal risk, collateral, repayment capacity, and policy compliance. Agri-credit analysts work in banks, NABARD-linked institutions, cooperatives, NBFCs, and agribusiness finance teams.
Analytical thinking and numerical reasoning
Credit appraisal and risk assessment
Knowledge of agriculture, farm economics, and rural markets
Communication and stakeholder management
Report writing, documentation, and compliance tracking
Attention to detail and ethical judgment
Abhishek Mohapatra
Abhishek Mohapatra’s career shows how strong analytical skills and steady growth in banking can lead to leadership roles in credit management. Starting in credit underwriting in Bhubaneswar, he built expertise in credit analysis and policy, then moved into a regional credit management role covering Odisha and Jharkhand. His journey is a remarkable example of how finance professionals from Odisha can grow into positions that shape lending decisions and support business growth.
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