senior process associate
TCS
5 - 15 years
Bengaluru
Posted: 15/10/2025
Job Description
Job Role: Credit Analyst
Job Process: Annual Credit Review (ACR)Shift: UK
Location: Bengaluru, Gurgaon, Mumbai, and Pune. (Initial 6 months for training at Bengaluru is mandatory)
Highest Qualifications: MBA and Professional Qualifications such as Chartered Accountant (CA), Chartered Financial Analyst (CFA), Certified Public Accountant (CPA)
Role performed by credit analyst:
- Review of credit applications & supporting documents (overall financial capacity and capability to pay back)
- Credit report (recommendation on whether to approve/decline the credit application)
- Present credit report to internal committee.
Requisite of an Individual Contributor:
- Credit underwriting / Credit risk analysis; Quality Focused and has performed quality and data analytics function. Ability to interpret and highlight risks and early warning signals.
- Good understanding of Cash flow statement analysis, Income Statement Analysis and Balance Sheet to analyze Credit Quality, Liquidity, Leverage and Coverage etc.
- Ability to weigh macro and company factors for risk analysis and recommendations.
About Company
Tata Consultancy Services (TCS) is one of the largest multinational IT services and consulting companies in the world, headquartered in Mumbai, India. It operates in over 50 countries and is a part of the Tata Group, India's largest business conglomerate. TCS offers a wide range of services including software development, consulting, digital transformation, and business solutions, serving industries such as finance, healthcare, retail, and telecommunications. Known for its global reach, technological expertise, and innovation, TCS is consistently ranked among the top IT services companies globally.
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