Credit Analyst

Job Description

🏢Company: Capco (A Wipro Company) 🌐
📍Location: India 🌍 (Multiple Locations / On-site/Hybrid)
💼Job Type: Full-Time 💼
⏳Experience: 2–5 years 📊
🎓Education: Bachelor’s Degree in Finance / Commerce / Economics / MBA (Finance preferred) 🎓
💰Expected Salary: ₹8 – ₹20 Lakhs per year 💰
📊Job Category: Accounting and Finance, Banking, Financial Services, Credit Risk, Finance 📊
🌐Website: Website
📞Contact: Contact us

🌟About the Company:
Capco, a Wipro company, is a global technology and management consulting firm 🌍 specializing in financial services and energy sectors.
With a presence in 32+ cities and serving 100+ clients, Capco is known for delivering transformation and innovation in banking and finance 🚀.
The company promotes diversity, inclusion, and a strong growth culture 🤝

💡About the Role:
Capco is hiring a Credit Analyst to handle corporate and wholesale banking credit operations 📊.
You’ll work on credit underwriting, financial analysis, and risk assessment for large corporate clients, contributing to high-impact financial decision-making 🚀

📌Key Responsibilities:
📌 Perform credit underwriting and prepare detailed credit appraisal reports 📊
📌 Build end-to-end credit proposals including risk and industry analysis 📈
📌 Conduct financial analysis (cash flow, ratios, leverage, working capital) 💻
📌 Evaluate loan structures like term loans, working capital, BG/LC 🔍
📌 Assess financial and non-financial covenants and compliance 📑
📌 Analyze collateral and security structures 🔒
📌 Build and review financial models and forecasts 📊
📌 Support credit risk assessment and internal rating frameworks ⚡

🎯Requirements:
🎯 2–5 years experience in Corporate / Wholesale Banking 💼
🎯 Strong knowledge of credit appraisal for corporates 📊
🎯 Understanding of banking products (CC/OD, Term Loans, BG/LC) 💳
🎯 Expertise in financial statement analysis and risk assessment 📈
🎯 Experience in financial modelling and forecasting 💻
🎯 Strong analytical and problem-solving skills 🧠
🎯 Good communication and stakeholder management skills 🤝

🌟Why Join Capco?
✅ Work with global banks and financial institutions 🌍
✅ Exposure to high-impact transformation projects 🚀
✅ Flat hierarchy and fast career growth 📈
✅ Inclusive and diverse work culture 🤝
✅ Opportunity to build expertise in financial services consulting 💼
✅ Recognized employer with strong industry reputation 🏆