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 IMPACTInnovative 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.#BEYOURSELFATWORKCapco has a tolerant, open culture that values diversity, inclusivity, and creativity.CAREER ADVANCEMENTWith no forced hierarchy at Capco, everyone has the opportunity to grow as we grow, taking their career into their own hands.DIVERSITY & INCLUSIONWe believe that diversity of people and perspective gives us a competitive advantage.MAKE AN IMPACTJob Title: Credit AnalystRole Summary:Credit Analyst• Undertake high quality industry, competitor, ESG and client level financial analysis for Global Banking (GB) and Commercial Banking (CMB) Relationship Management (RM) Team.• Analysis of financial documentation and supplemental data to support lending decision-making and recommending credit requests to appropriately meet business needs.• Preparing credit analyses in support of new and existing business relationships.• Support the RM team in the continuous collection, capture and analysis of key data and information related to GB/CMB client's emissions-intensive activities, climate commitments and low-carbon business initiatives and transition and physical risks to help build a thorough understanding of each client's plans to transition to net zero emissions over time.• Personally develop and maintain strong working relationships with GB & CMB Relationship Managers / Associates along with executives in Risk to ensure that all risks to the business, financial and non-financial, are properly recognized and thoughtfully mitigated in proposals.• Ensure that all work is delivered within agreed timeframes, PLAs and meets the required high-quality standard.• Understand and comply with all relevant policies, FIM guidelines and procedures issued by the Group.• Pro-actively suggest and design improvements in process workflow, where applicable.• Communicate clearly with team members and other parts of GBM as required.• Maintain Client internal control standards.• Need to implement the Group Compliance Policy, as applicable to their role.• Need to be aware of the Operational Risk scenario associated with their role, and to ensure that all actions during their employment with the client take account of the likelihood of operational risk occurring.• Adhering strictly to compliance and operational risk controls in accordance with client and regulatory standards, policies and practices; reporting weaknesses, compliance breaches and operational loss events.• However, depending on the relevant experience, skill and competence, he or she can be given additional responsibilities like undertaking quality checks, mentoring and training new joiners etc. Requirements• C.A. / CFA / MBA Finance, Economics or equivalent is essential, and any professional qualification is desirable.• 0 to 6 years of relevant experience in Credit Analysis.• Sustainability knowledge is an advantage• Highly proficient at Excel and Word.• Excellent verbal/written communication skills in English, proficient in credit writing in English, hard-working, organized, diligent, and above all a good team player