Job Title: BA Loans
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.
Role purpose
You’ll support the delivery of change across our front book, combining strong Business Analysis with hands-on Project/Delivery Management. This is a fast-paced role for someone proactive who can shape ambiguous problems, drive outcomes at pace, and partner effectively across Technology, Operations, Risk, Legal and Product.
Key responsibilities
Business Analysis (core)
- Own end-to-end requirements: discovery, stakeholder interviews, process mapping, user stories, acceptance criteria, and traceability.
- Translate business needs into clear, testable requirements for Technology teams (Agile and/or hybrid delivery).
- Analyse current-state vs target-state processes for loan origination, servicing, amendments, repayments, interest/fees, covenants, and lifecycle events.
- Support solution design by clarifying business rules, data needs, controls, and operational impacts.
- Drive UAT approach: test scenarios, defect triage, sign-off criteria, and readiness for release.
Project / Delivery Management (ancillary)
- Plan and manage delivery across multiple workstreams: scope, milestones, RAID, dependencies, and governance.
Loans domain focus
- Demonstrate strong understanding of loan products and processes (e.g., syndicated/bilateral loans, facilities, drawdowns, rollovers, repricing, amendments/waivers, collateral/security considerations where relevant).
- Partner with Operations and Product to ensure solutions are workable, controlled, and scalable.
- Ensure regulatory, conduct, and control requirements are embedded into requirements and delivery.
Legal features (strong plus)
- Interpret and incorporate legal/contractual features into requirements (e.g., facility agreements, covenants, conditions precedent, representations, events of default, notice requirements).
- Work effectively with Legal and Compliance stakeholders to ensure accurate implementation of contractual obligations.
Required experience and capabilities
- Proven track record as a Business Analyst delivering complex change in fast-paced programmes/projects.
- Demonstrable experience in loans (front-to-back lifecycle knowledge preferred).
- Strong delivery management skills: planning, governance, stakeholder management, and execution discipline.
- Excellent communication skills: able to influence, simplify complexity, and drive decisions across senior stakeholders.
- Strong analytical toolkit: process mapping, data analysis, problem structuring, and benefits articulation.
- Comfortable working across global teams and multiple time zones.
Preferred / advantageous
- Experience working with legal documentation and translating legal features into operational/technology requirements.
- Exposure to AI-enabled solutions, automation, or advanced analytics in a regulated environment.
- Experience with Agile delivery (Jira/Confluence), and/or hybrid delivery models.
- Knowledge of controls, operational risk, and audit-ready documentation.
Key deliverables
- Business requirements pack (epics/user stories, acceptance criteria, traceability).
- Current-state and target-state process maps and control points.
- RAID log, delivery plan, milestone reporting, and governance updates.
- UAT plan, test scenarios, defect triage outcomes, and business sign-off.
- Cutover/runbook inputs and operational readiness artefacts.
Success measures
- Requirements are clear, testable, and reduce rework.
- Delivery milestones met with transparent management of risks and dependencies.
- Improved customer/colleague outcomes through streamlined loan processes and reduced operational friction.
- Strong stakeholder confidence and effective cross-team collaboration.
Skills Required
- Proven track record as a Business Analyst delivering complex change in programmes/projects
- Demonstrable experience in loans (loan products and lifecycle: origination, servicing, amendments, repayments, interest/fees, covenants, lifecycle events)
- Front-to-back loans lifecycle knowledge
- Strong delivery management skills: planning, governance, stakeholder management, execution discipline
- Excellent communication skills; influence senior stakeholders and simplify complexity
- Strong analytical toolkit: process mapping, data analysis, problem structuring, benefits articulation
- Comfortable working across global teams and multiple time zones
- Ability to own end-to-end requirements: discovery, stakeholder interviews, user stories, acceptance criteria, traceability
- Experience driving UAT: test scenarios, defect triage, sign-off criteria, release readiness
- Knowledge of regulatory, conduct, and control requirements and embedding them into delivery
- Experience working with legal documentation and translating legal/contract features into requirements
- Exposure to AI-enabled solutions, automation, or advanced analytics in a regulated environment
- Experience with Agile delivery tools and practices (Jira/Confluence) and/or hybrid delivery models
- Knowledge of controls, operational risk, and audit-ready documentation
What the Team is Saying
Capco Compensation & Benefits Highlights
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Healthcare Strength — Health, dental, and vision coverage are described as solid with low copays and a good variety of choices, complemented by mental‑health resources, an EAP, and wellbeing events. Company materials emphasize global availability of these supports.
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Parental & Family Support — Enhanced maternity, paternity, adoption, and shared parental leave are highlighted, with several months of maternity leave noted in the U.S. in some accounts. Additional paid leave is called out for life events such as pregnancy loss, fertility treatment, menopause, and bereavement.
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Wellbeing & Lifestyle Benefits — A global wellbeing program, coaching/mentoring, mental‑health initiatives, and wellness reimbursements (e.g., gym, fitness) are positioned as core parts of the offering. Flexible working is emphasized alongside regionally tailored wellbeing events.
Capco Insights
What We Do
Capco, a Wipro company, is a global management and technology consultancy specializing in driving transformation in the energy and financial services industries. Capco operates at the intersection of business and technology by combining innovative thinking with unrivalled industry knowledge to fast-track digital initiatives for banking and payments, capital markets, wealth and asset management, insurance, and the energy sector. Capco’s cutting edge ingenuity is brought to life through its award-winning Be Yourself At Work culture and diverse talent. TRUSTED ADVISORS - Our collaborative and entrepreneurial approach position us as trusted long-term partners to our clients. DEEP EXPERTISE - Clients look to us for clear guidance, proven expertise, and the support they need to set their companies up for success. DISRUPTIVE SOLUTIONS- We do not provide off -the-shelf answers to clients’ challenges. Instead, we work in close collaboration to understand the issues, and craft disruptive, bespoke solutions. ACCOUNTABILITY AND OWNERSHIP - We recognize every client has distinct needs and expectations, and we take ownership and accountability for the solutions we design, build, and deliver.
Why Work With Us
We support and encourage an inclusive culture, entrepreneurial outlook and independent thinking. Capco is not about organizational charts and rigid hierarchies – we want all employees to feel that Capco is their firm to own and run. We believe diversity powers innovation. Be Yourself At Work (#BYAW) is an integral and underlying part of our culture
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Capco Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
