Credit Analyst

About the Position

Job Title: Credit Analyst

“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 the globe, we support 100+ clients across banking, financial, and energy sectors. We are recognized for our deep transformation execution and delivery."

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

Requirements

• 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

We Offer

• Work on engaging projects with the largest international and local banks, insurance companies, payment service providers, and other key players in the industry
• Innovative thinking, delivery excellence, and thought leadership to help our clients transform their business
• A tolerant, open culture that values diversity, inclusivity, and creativity
• Opportunity for career advancement with no forced hierarchy

About the Company

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 the globe, we support 100+ clients across banking, financial, and energy sectors. We are recognized for our deep transformation execution and delivery.