Credit Analyst

Job Title: Credit Analyst

About Us

“Capco, a Wipro company, is a global technology and management consulting firm. Awarded with Consultancy of the year in the British Bank Award and has been ranked Top 100 Best Companies for Women in India 2022 by Avtar & Seramount. With our presence across 32 cities across globe, we support 100+ clients across banking, financial and Energy sectors. We are recognized for our deep transformation execution and delivery.

WHY JOIN CAPCO?

You will work on engaging projects with the largest international and local banks, insurance companies, payment service providers and other key players in the industry. The projects that will transform the financial services industry.

MAKE AN IMPACT

Innovative thinking, delivery excellence and thought leadership to help our clients transform their business. Together with our clients and industry partners, we deliver disruptive work that is changing energy and financial services.

#BEYOURSELFATWORK

Capco has a tolerant, open culture that values diversity, inclusivity, and creativity.

CAREER ADVANCEMENT

With no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands.

DIVERSITY & INCLUSION

We believe that diversity of people and perspective gives us a competitive advantage.

Job Description:

Purpose of the Role & Responsibilities

• Perform credit underwriting and appraisal for corporate/wholesale banking clients, including detailed credit reports
• Prepare end-to-end credit proposals (industry & peer analysis, risk assessment, internal rating, documentation, collateral evaluation)
• Conduct financial analysis (cash flow, working capital, leverage, EV, ratio analysis)
• Evaluate loan structures, including term loans, working capital facilities, and trade finance exposures
• Assess financial & non-financial covenants and monitor compliance
• Analyze collateral/security structures (fund-based & non-fund-based limits)
• Build and review financial models and projections

Required Skills & Experience

• 2–5 years of mandatory experience in Corporate Banking / Wholesale Banking credit roles
• Strong experience in credit appraisal for large corporates / mid-market clients
• Solid understanding of banking products (CC/OD, term loans, BG/LC, etc.)
• Expertise in financial statement analysis, credit risk assessment, and rating frameworks
• Proficiency in financial modelling and forecasting.