Credit Analyst in India

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: Experience- 2-7 Yrs Locations- All Capco Locations NP- Immediate to max 30 Days 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 c

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-base

About Us: Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks. Key Responsibilities: * Analyze credit risk across various products, including merchant and personal loans, postpaid. * Liaison with the business team to understand the credit risk policies and implement the same on platform. * Implement the credit risk policies on our proprietary platform. * Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement. * Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation. * Conduct testing and scenario analysis to measure policy resilience. * Monitor key risk indicators (KRIs) and provide actionable

About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances. The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making. Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design - Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management Requirements: - 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC - Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc - Ability to translate data into clear insights and recommendations - Familiarity with BI tools like Tableau, Looker , Metabase etc - Understanding of machine learning models in credit risk - Strong problem solving and stakeholder management skills

Overview The Insights product is an offering for Guidepoint's Institutional investment and corporate clients, now in its 9 th year, that offers teleconferences, surveys, in-person events, along with a plethora of AI-facilitated data and content. The teleconferences live in a transcript library portal, which covers a wide of industries/topics that enables our clients to make informed decisions. All content features experts from Guidepoint’s proprietary global network and is conceptualized and hosted by former investment professionals (i.e. private equity/hedge fund), sell-side equity research analysts, and industry professionals. What You’ll Do: Conduct bottoms-up company research including reviewing earnings releases, reading investor presentations and analyzing regulatory filings Moderate teleconferences on timely topics featuring an expert from Guidepoint’s network with the goal of producing actionable insights for buy-side and PE clients Work with our AI team to systematize diligence questions with the goals of automating certain fundamental research solutions Generate ideas and follow key investor views among relevant strategies within European credit Can be an in-person position or a fully remote work-from-home position What You Have: Must possess exceptional written and spoken English skills at a professional level Bachelor’s degree or Master’s degree 7 years or more of deep fundamental analyst experience ideally in a Private Equity setting Must follow a bottoms-up, fundamental approach to investment research focusing on individual companies Has prior experience covering single name corporates on either the sell-side or buy-side. Some familiarity with capital structure or credit analysis, via the Broadly Syndicated Loan or Private Credit / Direct Lending markets. Ability to work in a fast-paced entrepreneurial environment Outgoing personality with the ability to speak with people at all professional

About Paytm: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

WHO WE ARE: Zinnia is the leading technology platform for accelerating life and annuities growth. With innovative enterprise solutions and data insights, Zinnia simplifies the experience of buying, selling, and administering insurance products. All of which enables more people to protect their financial futures. Our success is driven by a commitment to three core values: be bold, team up, deliver value – and that we do. Zinnia has over $180 billion in assets under administration, serves 100+ carrier clients, 2500 distributors and partners, and over 2 million policyholders. WHO YOU ARE: Accounts Payable Specialist is responsible for performing daily accounts payable activities including invoice processing, expense claims processing, payment runs & vendor account reconciliations. This is a new position and will take on interesting and challenging responsibilities as our organization grows. This position will report to Assistant Manager, Finance and work closely with India team. WHAT YOU’LL DO: • Processing of PO based invoices in Tally and matching them to correct GRN. • Processing of non-PO based invoices & ensuring that they are authorized in line with company policy and that they have the correct general ledger code, budget center, client / project details etc. for proper information gathering. • Process all invoices in a timely manner to ensure they are processed in line with supplier payment terms and reporting requirements. • Reconcile supplier statements and resolve any queries relating to the same. • Maintain invoice query log and resolve queries on a timely basis. • Process supplier payments using internet banking facility on a weekly basis. Reconcile and process invoices against the company credit card and ensure invoices are received for all payments made. • Process staff expenses on a weekly basis • Maintain complete documentation accurately, in accordance with company policy and accepted accounting practices. • Perform var

Everpure (NYSE: P) has evolved from storage pioneer to data platform, closing fiscal 2026 with $3.7 billion in revenue, its first billion-dollar quarter, and accelerating growth into FY27. Our strategic agenda spans the companies defining the next era of technology - hyperscalers, AI labs, the AI hardware supply chain, data platform providers, and the broader AI ecosystem. This type of work—work that changes the world—is what the tech industry was founded on. So, if you're ready to seize the endless opportunities and leave your mark, come join us. THE ROLE Drive cash flow performance and operational excellence as a Collections Analyst at Everpure, serving as a functional ERP subject matter expert and global portfolio owner. In this high-impact position, you will bridge hands-on collections strategy with systems optimization to maximize liquidity and strengthen receivables health. Collaborating cross-functionally with Sales, Billing, Credit, CX, and Legal teams, you will turn complex financial data into proactive strategies that mitigate risk and deliver positive customer outcomes. WHAT YOU'LL DO Drive Portfolio Performance & Cash Flow: Manage a global commercial portfolio end-to-end, executing proactive dunning strategies and prioritizing high-exposure aging accounts to accelerate cash collections and reduce past-due balances. Resolve Multi-Party Disputes & Deductions: Partner with Sales, Billing, and Legal teams to investigate and resolve complex payment discrepancies, credit memo requests, and withholding tax reconciliations, protecting revenue integrity. Optimize ERP & Workflow Systems: Act as the functional ERP subject matter expert for AR and collections workflows, enhancing system usage, dunning automation, and data tracking to streamline operational efficiency across the team. Mitigate Credit Risk & Guide Order Decisioning: Evaluate customer payment trends and financial risk to advise credit teams on order hold/release statuses, balancing comm

Everpure (NYSE: P) has evolved from storage pioneer to data platform, closing fiscal 2026 with $3.7 billion in revenue, its first billion-dollar quarter, and accelerating growth into FY27. Our strategic agenda spans the companies defining the next era of technology - hyperscalers, AI labs, the AI hardware supply chain, data platform providers, and the broader AI ecosystem. This type of work—work that changes the world—is what the tech industry was founded on. So, if you're ready to seize the endless opportunities and leave your mark, come join us. THE ROLE Drive cash flow performance and operational excellence as a Collections Analyst at Everpure, serving as a functional ERP subject matter expert and global portfolio owner. In this high-impact position, you will bridge hands-on collections strategy with systems optimization to maximize liquidity and strengthen receivables health. Collaborating cross-functionally with Sales, Billing, Credit, CX, and Legal teams, you will turn complex financial data into proactive strategies that mitigate risk and deliver positive customer outcomes. WHAT YOU'LL DO Drive Portfolio Performance & Cash Flow: Manage a global commercial portfolio end-to-end, executing proactive dunning strategies and prioritizing high-exposure aging accounts to accelerate cash collections and reduce past-due balances. Resolve Multi-Party Disputes & Deductions: Partner with Sales, Billing, and Legal teams to investigate and resolve complex payment discrepancies, credit memo requests, and withholding tax reconciliations, protecting revenue integrity. Optimize ERP & Workflow Systems: Act as the functional ERP subject matter expert for AR and collections workflows, enhancing system usage, dunning automation, and data tracking to streamline operational efficiency across the team. Mitigate Credit Risk & Guide Order Decisioning: Evaluate customer payment trends and financial risk to advise credit teams on order hold/release statuses, balancing comm

WPP is the trusted growth partner for the world’s leading brands. We unite cutting-edge media intelligence and data solutions, world-class creativity, next-generation production, transformative enterprise solutions and expert strategic counsel in a single company – powered by exceptional talent and our agentic marketing platform, WPP Open, to help our clients navigate change, capture opportunity and deliver transformational growth. We work with the world's most valuable brands and have global reach across 100+ markets, with deep local expertise. Our people are the key to our success. We're committed to fostering a culture of creativity, belonging and continuous learning, attracting and developing the brightest talent, and providing exciting career opportunities that help our people grow. For more information, visit WPP.com. Why we're hiring: Filing GST monthly RETURNS (GSTR-1 & GSTR-3B) of Clients , Filing of GST returns as per GSTR -2A & GSTR-2B Available Input tax credit (ITC), Preparation of GSTR-9 & 9C Annual Return (Indirect taxation). What you'll be doing: Independently handling GST compliances which broadly involve following tasks: Amendment in registration, Preparation of the data, review and filing of the monthly returns (GSTR 1 and 3B) Addressing the queries of consultants related to input & output transactions, before arriving at the final liability. Coordinating the details of advances received and advances adjusted against subsequent billing, before finalising the monthly GST liability; Also, identify the ineligible credit from the input register and remove the same from input register; Reconciling GLs, with returns data GST Credit reconciliation – Compiling the details, sending mails, calling vendors for resolution, etc. GST Audit (9/9C) - Compiling the details for Annual GST Audit based on the monthly return and books of accounts. Provide other reports on input and

Job Title: FCD BA · Business Analyst experience working in large complex Programmes within the financial services industry and Cloud (Google Cloud Platform). · Excellent documentation skills, promoting concise and clear written deliverables. · Experience with complex regulatory data models and cross functional solution designs. · Relevant experience within regulatory change in a Finance and Risk context. · Proven track record in dynamic environments, with the ability to manage teams with diverse backgrounds and skillsets, both locally and across regional sites and to maintain a global perspective. · Exceptional drive, motivation and commitment and focus in operational excellence. · Strong decision-making, problem-solving and interpersonal skills including the ability to influence stakeholders. Ability to provide SME knowledge in specific area to continuously improve areas of practice; minimum of a Bachelor’s degree in business, finance, mathematics, related field or equivalent experience. · Advance data interrogation skills using SQL and Excel · Proficient in using Python scripts to perform business analysis on large, high-volume datasets, enabling efficient data processing and insight generation. · Understanding of Basel III/IV and PRA/COREP Regulatory Reporting Requirements · Understanding of the HSBC data (facility, products, risk parameters used for credit risk calculation and reporting) · Ability to design functional solution options and support decision by identify risks/ pros/ cons

Job Description: Data & Analytics Engineer (3-4 Years Experience) : 100% Remote Job Title: Data & Analytics Engineer Experience: 3-4 years Location: Remote Employment Type: Full-time Team: Data Engineering & Analytics About the Role Eltropy is a digital conversations platform for credit unions and community financial institutions in the US. The Data Engineering & Analytics team builds the AWS data pipelines and customer-facing dashboards that power analytics across the platform. We are looking for a Data & Analytics Engineer with 3-4 years of experience who can own dashboard delivery end to end along with the pipelines behind it. The ideal candidate learns fast, builds product context quickly, listens well, and collaborates effectively across product, engineering, DevOps, and customer-facing teams. Key Responsibilities Own dashboard changes end to end in QuickSight and ThoughtSpot - new metrics and filters, SPICE refresh management, internal-to-production promotion, and post-release validation. Build and maintain batch and streaming ETL pipelines on AWS using Glue (PySpark), S3, Redshift, and Airflow (MWAA) DAGs. Write and optimize Redshift SQL; debug query performance, connection contention, and data mismatches across sources. Support near-real-time ingestion (Kafka/MSK CDC → Glue Streaming → S3 → Redshift). Investigate customer-reported analytics discrepancies (Jira/support tickets), root-cause them in the data, and communicate findings clearly to support, product, and engineering. Set up and respond to pipeline monitoring - CloudWatch metrics and alarms, monitoring DAGs, refresh health - and participate in incident triage and RCA. Develop deep product knowledge: understand what each metric means to our credit union customers and translate product changes into data model and dashboard updates. Ensure data quality, validation, and consistency across systems. Required Skills & Qualifications 3-4 years of experience in data engineering and/or

About Us:Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology About team : DevicesTech is a strategic and critical center of technology within the Paytm payments vertical that builds scalable payment solutions to offer a secure & seamless payment experience to millions of users with devices ranging from the versatile flagship devices - All-in-One POS and Soundbox to the small yet powerful - Linux POS. The EDC machines accept all payment methods(All debit and credit cards, Paytm wallet, net-banking, All UPI apps) using our range of Paytm devices. The IoT devices support innovative payment workflows to prevent frauds and increase overall engagement of the merchants and consumers. Millions of devices are deployed in the country from large store chains to smaller merchants with an aggressive market focus accomplishing very fast growth. This scale is made possible with the underlying core technology platform built by the Devices Tech team that is scalable with robust security and a highly accurate transactional system with safe money movement. The Devices Tech builds and owns a mix blend of EDC and IoT(Internet of Things) middleware services powered by several Java microservices, mix of Sql and NoSql databases, distributed architecture on cloud with many AWS managed and self manages tools and services, and inhouse devices SDKs built by our Android and Embedded System team. About the Role: We are looking for a highly analytical and business-oriented Subscription Growth Manager to drive recurring revenue, retention, collections, renewals, and merchant lifecycle management for the Soundbox subscription business. The role will be responsible for owning subscription revenue performa

About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Role Overview We’re looking for a GM/ AVP to drive growth for Lending vertical at Paytm. This role is deeply analytical and focused on reading user and marketing funnels at an atomic level, forming strong hypotheses, and designing experiments to unlock scalable growth. You will work closely with senior stakeholders across Product, Business, Risk, Marketing and growth teams across paytm. Key Responsibilities ● Own end-to-end growth analysis across the unsecured lending, from impressions and clicks to activation, usage, and credit consumption ● Analyze marketing and acquisition funnels at an atomic level using event, clickstream, and impression data to identify gaps and inefficiencies ● Use tools like CleverTap, SQL, Looker and Superset to track funnel movement, drop-offs, and cohort behavior ● Form clear, data-backed hypotheses and design experiments to validate growth opportunities ● Work with campaign managers in the team to execute experiments, relevant campaigns, review content and suggest improvements ● Lead cohort analysis to understand differential behavior across user segments ● Partner with Product teams to identify opportunities to improve user journeys and reduce funnel friction. ● Identify new opportunities for top funnel growth, both within the Paytm ecosystem and outside it. ● Translate complex analyses into clear, actionable recommendations for senior stakeholders ● Build and maintain dashboards to monitor funnel health and experiment outcomes Requirements ● 10+ years of experience in growth, analytics, or product strategy roles ● Strong analytical and problem-solv

About Paytm Lending Paytm’s Lending marketplace connects millions of consumers and merchant partners with top NBFCs and banks across Personal Loans, Merchant Loans, Postpaid, and Credit Cards. We build cutting-edge financial products powered by real-time risk modelling, seamless distribution, and high-volume transaction processing. Role Overview We are seeking an energetic, analytical, and business-focused Manager – Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios. You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency. Key Responsibilities 1. Revenue Modelling & Portfolio Economics - Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid). Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners. - Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening. 2. Business Partnering & Decision Support - Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches. - Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy. - Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation. 3. Financial Planning & Analysis (FP&A) - Lead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and q