140 Corporate Credit Jobs

Job Description The Group Credit is a credit origination that enables business growth of First Abu Dhabi Bank s Corporate and investment banking (CIB) business, meets the service aspiration of all our customers and remains an independent assurance provider of credit quality through the possession of sound credit risk, product and market knowledge. This role is primarily responsible for providing specialized support to Abu Dhabi / Dubai and NE/PCG clients on the credit processes and administration of sanctioned limits. The role is responsible for Processing / Encoding of credit limits relating to credit facilities and ensure accurate detailing before inputting the same into the Bank s system. Further, he/she is responsible to comply with the approved terms and adhere to policies, process and procedures of FAB Head office, representative offices, international branches and regulators. Key job responsibilities. Ensuring accurate and timely fulfilment of day-to-day tasks, business requirements and regular housekeeping activities in accordance with the regulatory and performance standards of the organization Encode/Process of Credit limits, Facility Offer Letter (FOL) and other related releases from documentation unit, Project Payment Certificate (PPC) discounting / settlements, Share Valuation Report (SVR), availment tickets (ATs), suspension of interest, write-off entries, charges and fees, fixed deposit lien release and all other limit control related tasks. Preparation of Internal Memos (IOMs), Customer grade change, Liability / No Liability Certificates Process of Corporate obligor details based on the requests received from UAE or International Credit Units in line with the local regulations of the respective jurisdictions. Adherence to published Standard Operation Procedures (SOP), understanding of relevant products, procedures and Delegation of Authority (DOA) of the Bank. Ensure encoding/processing of daily or periodic tasks, updation of daily unit activity tracker, proper archival of documents in custody, monthly activities including review of Credit limits in GLCMS, accuracy with regards to application of interest rates in system (ADI/ACI/GDI/GCI) Ensure completion of all daily task allocated through emails or any other workflow channels in use and to update internal stakeholders accordingly. Efficiently manage key stakeholders & business unit expectations Proactive engagement with key stakeholders and ensure operational continuity without any process breach. Ensure 100% satisfaction rating by internal customers by providing superior service quality, manage internal customer relationships and ensure that queries and exceptions are addressed efficiently with proactive measures. Ensure adherence to published Standard Operation Procedures (SOP), understanding of relevant products, procedures and Delegation of Authority (DOA) of the Bank. Pro-active engagement and adherence to various departmental policies and process Adherence to effective leave plan as per Department/Unit Policy Create adequate back-ups for self to ensure operational continuity. Report Key Risk Indicators (KRI) and Operational near miss/loss incidents in a timely manner Recognizing process enhancement opportunities Participate in creation and periodic updation of Standard Operation Procedures (SOP) and Process Notes and other related operational guidelines. Undertake special projects/assignments as and when delegated by Manager, Team leader, HCCU and HCAD ensuring timely and adequate engagement. KEY ACCOUNTABILITIES: Policies, Systems, Processes & Procedures Follow all relevant departmental policies, processes, standard operating procedures, and instructions so that work is carried out in a controlled and consistent manner. Demonstrate compliance to organization s values and ethics at all times to support the establishment of a value drive culture within the bank. Continuous Improvement Contribute to the identification of opportunities for continuous improvement and sustainability of systems, processes and practices considering global standards, productivity improvement and cost reduction. Reporting Assist in the preparation of timely and accurate statements and reports to meet department requirements, policies and quality standards. JOB CONTEXT: Zero Loss; NIL near miss / income leakage event; target zero high risk error Target zero complaints, minimum 95 % adherence to TAT standards as agreed with business. Achieve more than 90% satisfaction score in the internal customer survey. Nil unauthorized breaches in Policy/regulatory requirements and SOPs. Satisfactory rating in all audits - INA/RMU/ORC Nil breaches in housekeeping (reconciliations, tracers, activity tracker, etc.). NIL critical findings in regulatory /external/internal audits. No. of PI (process improvement) proposals found beneficial by management. No. of successful PIs implemented Work with the line manager in introducing strong tools/processes to identify/ease BAU risks attached to the unit. Pursue opportunities for enhancing operative efficiencies along with adequate monitoring Ensure excellent housekeeping standards at all times. Qualifications QUALIFICATIONS & EXPERIENCE: Minimum Qualification Bachelor s degree or related discipline. Minimum Experience With at least

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification Graduate, Masters/Post Graduate Certifications CA/MBA (Preferable) Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Requirements from Candidate Candidate should be from Tier 1 B-school with excellent academic background 2-6 years of experience in credit analysis, financial modelling, risk assessment in an organization of repute Excellent written and verbal communication skills Ability to work in a fast-paced environment, with strong analytical and problem-solving skills Strong understanding of financial markets, instruments, and regulatory frameworks Job Role Description Analyze Company’s financial performance, including past financial and business performance, benchmarking against peers, and projecting future performance Undertake rigorous credit risk analysis, encompassing industry/business research and financial analysis of various large corporates Prepare rating reports that cogently capture the rationale behind the rating Ensure adherence to timelines and maintain high-quality analytics and presentations Manage client relationships, discuss with key management personnel, and communicate final ratings Make presentations to the Rating Committee and respond to questions/provide clarifications in support of the rating recommendation Ensure adherence and compliance with regulatory frameworks Collaborate with internal stakeholders, including research teams, to stay updated on market trends and developments Work on franchise building activities

Requirements from Candidate Candidate should be from Tier 1 B-school with excellent academic background 2-6 years of experience in credit analysis, financial modelling, risk assessment in an organization of repute Excellent written and verbal communication skills Ability to work in a fast-paced environment, with strong analytical and problem-solving skills Strong understanding of financial markets, instruments, and regulatory frameworks Job Role Description Analyze Company’s financial performance, including past financial and business performance, benchmarking against peers, and projecting future performance Undertake rigorous credit risk analysis, encompassing industry/business research and financial analysis of various large corporates Prepare rating reports that cogently capture the rationale behind the rating Ensure adherence to timelines and maintain high-quality analytics and presentations Manage client relationships, discuss with key management personnel, and communicate final ratings Make presentations to the Rating Committee and respond to questions/provide clarifications in support of the rating recommendation Ensure adherence and compliance with regulatory frameworks Collaborate with internal stakeholders, including research teams, to stay updated on market trends and developments Work on franchise building activities

The Role: If you re someone who is versatile and can switch across mediums while telling stories through digital design - you re in the right space. It s quite possible that today you might be optimizing GTM pages and the next day you might be working on our corporate cards. The nature of the work is quite vast and challenging. You re someone who believes in prioritizing craftsmanship over just getting it done, caring deeply about users needs over building something generic and getting the last detail right over hovering on the surface. Roles and Responsibilities: Brand strategy & Designing for growth Identifying and refining the key experiences on our website with a mindset to constantly experiment with a clear hypothesis. Create, maintain, and manage the visual systems, brand identity, production quality, and style guide. Understanding customer needs and requirements for physical products such as corporate credit cards (plastic and metal), conceptualizing product design, outlining technical specifications, creating models with vendors and testing product prototypes, crafting the unboxing experience and end user communication assets. Develop a distinct form of storytelling for the brand by focusing on the latest trends, styling advice, and engagement data from past campaigns. Think on a campaign level and execute big-picture ideas. Create unique, compelling visual content that engages new and potential customers, reflects the consumer mindset and amplifies growth metrics, and supports key business initiatives. Conceptualize new and innovative ways to incorporate content and commerce. Deliver brand and product storytelling consistently across all channels like websites, e-mailers, landing pages, collaterals and growth campaigns. Project ideation Deliver insight, direction, and feedback on projects in all stages of production. Facilitate fresh and inspiring creative direction that helps to clearly communicate through our products. Kick-off brainstorms with the marketing, sales and the PR team. Design advocacy and evangelism Be a strong advocate for exceptional visual experiences and demonstrate their impact. Evangelize the goals of design and communicate them to the marketing, product and other teams in the organization. Should be obsessive over details and have an extensive understanding in overseeing the implementation of visual systems with accuracy, consistency, and high levels of quality. Represent Razorpay outside by speaking in external design conferences/meetups, publishing blogs/articles or running events. Resource management and collaboration Take responsibility for the growth of the communication designers in the Capital design team. Help them grow their soft and hard skills. Help them define their career paths, identify opportunities and level up to do the best work of their lives. Take responsibility for attracting and hiring excellent people across Razorpay. You ll work to create the systems for you (and others) to effectively evaluate and hire designers. Build strong relationships throughout the company to help unify our narrative and amplify our mission internally and externally. Work closely with Marketing, Product, Engineering & Sales partners of your business unit to deliver delightful customer experiences. Manage the team and the work Mentor a team of communication designers and guide them along their careers and personal growth areas. Along with the design managers, manage various design projects and their priorities. Help the team in resolving blockers. Ensure the output meets business goals, deadlines and design excellence. Mandatory Qualifications: You are someone who increases the effectiveness of the entire team, not just in your business unit a leader and an example-setter for the entire Capital design team. Your processes are celebrated, emulated and copied by teams in and out of the organization. You are an amazing designer who has shipped out many great designs. At least 3-5 years of experience in designing digital assets and physical products. A portfolio of inspiring design work, executed either by yourself or a team that you led, conveys an ability to ship successful products that people love. A great understanding of Branding and Visual Design with relentless attention to detail and consistency. Awareness and practical understanding of current technologies, and their application and relevance to digital media and consumer consumption. You re creative-minded and intensely customer-focused. You care about design all the way from a strategic level down to design details and getting the pixels right. Location: Bengaluru Important Links: Razorpay Official LinkedIn Page Razorpay Design Page

Requirements from Candidate Candidate should be from Tier 1 B-school with excellent academic background 5-8 years of experience in credit analysis, financial modelling, risk assessment in an organization of repute Excellent written and verbal communication skills Strong client management skills, with the ability to build and maintain relationships with key stakeholders Ability to work in a fast-paced environment, with strong analytical and problem-solving skills Strong understanding of financial markets, instruments, and regulatory frameworks Job Role Description Analyze Company’s financial performance, including past financial and business performance, benchmarking against peers, and projecting future performance Independently undertake rigorous credit risk analysis, encompassing industry/business research and financial analysis of various large corporates Prepare rating reports that cogently capture the rationale behind the rating Ensure adherence to timelines and maintain high-quality analytics and presentations Manage client relationships, discuss with key management personnel, and communicate final ratings Make presentations to the Rating Committee and respond to questions/provide clarifications in support of the rating recommendation Work on franchise building activities, including but not limited to Sectoral Press Releases, Webinar presentations, thought leadership pieces and Industry conferences Ensure adherence and compliance with regulatory frameworks Collaborate with internal stakeholders, including research teams, to stay updated on market trends and developments Eventually manage a small team of Analysts/Senior Rating Analysts, ensuring quality and regulatory compliance of the team, and providing guidance and mentorship to team members

Key accountabilities: Review and sign off credit analysis performed (and credit judgement exercised) by more junior team members; you will undertake end-to-end (i.e. independently, without junior contributors) reviews of individual exposures / obligors when necessary. Present analysis influence senior management and peers with independent and contrasting views. Lead and own the completion of credit reviews / projects as assigned within the CRRG Annual Plan or on an ad hoc basis. Support the Head of CRRG in the annual plan development and resource allocation; Work with the Head of CRRG and co-Directors within the team in writing and updating the credit review baseline methodologies. Support reviews outside of corporate credit, e.g. FI (Banks, NBFI), counterparty credit risk. Interface with various Regulators as needed. Manage the continuous monitoring program with regard to various assigned portfolios. Manage on-going stakeholder relationships with Risk Sanctioning Units and also Senior Management as necessary. Produce commentary for presentations going to Senior Management and governance committees, including at Board level. Lead training of the team with regard to corporate credit and, specifically, leveraged lending, including technical aspects of credit analysis as well as relevant Barclays internal systems and processes. Contribute to the management of personal development of junior team members, including as a line manager. Essential skills required: Minimum 12 years of financial services experience in investment or corporate banking, or the rating agencies; 5+ years experience as a senior credit sanctioner, loan underwriter, credit risk or loan reviewer, or credit audit within a large financial institution; 5+ years experience in people management, project leadership or consulting Desirable skills/Preferred Qualifications: Strong in-depth technical expertise in corporate credit analysis; Strong organizational skills and the ability to manage multiple assignments concurrently; Professional qualification, undergraduate or graduate degree in finance or a risk related discipline; Confident communicator, particularly in delivering challenging messages to senior management and colleagues; Expertise in two or more industry sectors such as Technology / Media / Telecommunications, Industrials, Natural Resources, etc. Holder of senior-level individual credit approval authority; Familiarity with the Barclays Corporate and Investment Banking credit processes; Familiarity with wholesale loan underwriting standards, particularly leverage finance across Barclays; Familiarity with the syndication market for corporate loans in the US and Europe; Familiarity with loan and counterparty agreements and documentation; Familiarity with credit risk and capital models including those used for Default Grade generation, LGDs, EADs and RWAs; Familiarity with FI (Banks and NBFIs) credit analysis, and Counterparty Credit Risk. CPA/CA, CFA, FRM, other broadly recognized certifications or a credit training program from a large financial institution.

Record Keeping: Maintain accurate and organized records of all accounts payable transactions for day to day transactions and accruals for month end close for various group entities across locations like UK, US, India, Jersey, Mauritius etc Invoice Processing: Review, verify, and process invoices for payment, ensuring accuracy and compliance with company policies. Payment Management: Prepare and execute payment runs, including checks, ACH, and wire transfers. Credit cards management: Reviewing the transactions on the corporate credit cards and ensuring compliances as per company policy and maintain accurate and organized records of all transactions Automation and projects: Identify opportunities for automation and participation in active projects from accounts payable perspective. Vendor Relations: Communicate with vendors to resolve discrepancies, answer inquiries, and maintain positive relationships. Reconciliation: Perform Bank reconciliation, monthly reconciliations of accounts payable transactions and resolve any discrepancies. Compliance: Ensure compliance with internal controls, company policies, and relevant regulations and prepare statutory filings as applicable for accounts payable Reporting: Assist in the preparation of accounts payable reports and provide support during audits. Stakeholder management : Dealing with internal stakeholders for periodic reporting and day to day matters Required Experience: CA Intermediated cleared. Proficiency in Microsoft Excel. Strong communication and interpersonal skills. Excellent organizational and time management skills.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications: CA/MBA (Preferable) Location - Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai

You will be responsible for managing the Banks Credit Risk Policies in the role of Wholesale Credit Policy within the Risk Management department at Yes Bank Limited in Mumbai (YBH). Your primary duties will include preparing and maintaining various Bank policies in alignment with RBI guidelines and best practices in Risk Management. Additionally, you will be tasked with creating and managing Credit Underwriting CAMs and Spreads, conducting Sectoral reviews, and monitoring sectoral limits. To excel in this role, you must have a strong understanding of Corporate Credit, Underwriting, and experience in credit underwriting, credit risk management, risk monitoring, and credit policies. Proficiency in Excel, Word, and Power-point is essential, along with knowledge of major Risk Management Guidelines such as Master circulars on Credit and Risk Management by RBI. You will also be required to prepare dashboards, reports for Top Management, Board, and Risk Committees, and stay updated on regulatory guidelines to provide necessary analysis to Senior/Top Management. Non-Functional Skills including organizational abilities, multitasking, attention to detail, and the capacity to work independently are crucial for success in this role. Moreover, effective written and verbal communication skills, as well as strong interpersonal and relationship-building capabilities, will be essential for collaborating with cross-functional teams and engaging effectively with senior management, risk, and business units.,

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Job Description Financial statement analysis Industry benchmarking Preparation of project/credit/fund raising report Handling queries of credit rating agencies /lenders Creating Financial/valuation Models Supporting Seniors in client management Assisting Seniors in business development Responsibilities and Duties Excellent understanding of financial statements /ratios/ cash flow Good understanding of Excel Well versed with Indian /Global economic scenario Required Experience, Skills and Qualifications : Experienced in Corporate Credit and / or Fresh MBAs or CAs Chartered Accountant and / or MBA (Finance) from premier institute Additional certifications such as CFA / FRM would be preferred Proficiency in English (Written /oral)

Role & responsibilities CCSU unit will serve Corporate clients of Branches in Western Mumbai side , enjoying limits more than 10 Crs (Sister/Associate concerns of these Corporate clients enjoying limits of lesser amount, will also be served by CCSU). CCSU will serve these corporate clients in: Renewal of limits for existing Corporate Clients. Fresh Sanction Issuance of sanction letter, obtaining of compliance and co-ordination with legal and PSM Cell. Processing request of the borrower for Ad-hoc limits. Monitoring of Accounts. Document maintenance. Visit to units and offices of clients. Follow up for their request with CCC, PSM, Legal and any other department of the Bank. Attending / Arranging Consortium meetings on behalf of branch. Sending reminders for renewal/overdue, etc. to clients. Complying with Audit observations of Stock Audit / Statutory Audit / Internal Audit /Concurrent Audit Stock Statement updation on monthly basis/ QIS statement updation on quarterly basis. Exchange of information with other Banks. Follow up for Insurance Renewal and updation in the CBS. CERSAI/ROC charge updation in the system Preferred candidate profile

We have an immediate opening for a bright, energetic individual with the requisite skills to join our firm in the role of Admin Intern to leaders in the firm s Pune office. This individual will be responsible for providing extensive support to Director-level professionals and their broad range of activities. This is primarily an inside role with broad exposure across the firm. General reception duties including greeting/assisting visitors; answering/screening/routing incoming calls; relaying messages; receiving/routing/handling all incoming/outgoing mail and deliveries; maintaining sign-in/sign-out of staff; scheduling conference rooms. Take initiative to relieve management and production staff of all possible administrative tasks by providing general clerical support to all staff including typing, copying, coordinating calendars/scheduling, general and project filing and archiving, ordering supplies. Assist project accountant, corporate finance and human resources as needed will assist with payables, expense reports, corporate credit card reconciliations, new employee set up. Maintain appearance and organization of all public spaces including conference rooms, break rooms and casual meeting areas. Assist with internal and external activities such as staff activities, in office lunches, trainings, social events, and client development activities as needed. Perform other duties as required. Qualifications Excellent verbal and written communication skills with staff, management, and clients. Ability to plan, organize, manage, prioritize, coordinate work flow, and successfully execute multiple tasks. Strong computer and office equipment operation skills including competence in Microsoft Office Suite (specifically Outlook, Word, Excel, and PowerPoint). Proven competence in managing all administrative activities and needs of a small office environment. Personal Characteristics required include: Strong organizational and communication skills Attention to detail Discrete, dependable and conscientious Excellent inter-personal skills Proactive Client-service oriented Walter P Moore is an equal employment opportunity employer, and provides equal employment opportunities (including offering competitive compensation and benefit packages) to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to any characteristic protected by federal, state or local laws. Overview Walter P Moore is an international company of engineers, architects, innovators, and creative people who solve some of the world s most complex structural and infrastructure challenges. Providing structural, diagnostics, civil, traffic, parking, transportation, enclosure, WPM technology and construction engineering services, we design solutions that are cost- and resource-efficient, forward-thinking, and help support and shape communities worldwide. Founded in 1931 and headquartered in Houston, Texas, our 1000+ professionals work across 24 U. S. offices and 7 international locations.

The individual will work be responsible for Business Analysis in credit risk solutions portfolio. The job will include, but not be limited to, requirement gathering, feature documentation, user acceptance testing, functional approach documentation and market research. Representative Product Set: 1. Domain: Credit Risk related processes - Corporates 2. Solutions: Corporate Loan Origination System, financial spreading and Rating system Functional Responsibility Responsible for gathering and translation of business and technical requirements into business requirement documents for Business and Technical documents for the development team Responsible for stakeholder management, working as a mediator between Technical IT partner and Business partners. Responsible for project management, planning project delivery timelines and achieving it. Responsible for providing technical solution to business problems Responsible to design Data Model, Insightful Dashboards and reports through wireframes. Responsible for managing escalations. Ensure testing of the new developments/ new products are planned and executed as per the SLA agreed with the client Process Adherence Prepare and retain project documentation like BRD, FSD, Project Plan, signoff emails etc. for audit requirement. Educational Qualifications PGDMS / MBA / CA will be preferred Experience 5-7 years, preferably in credit risk or analytical or client-facing roles Strong domain knowledge in corporate credit lifecycle and credit rating is a plus Skills Good understanding of Credit risk, Credit underwriting process and Analytics Self-motivated individual with agile mindset who can learn quickly, support in market research, identify gaps in the existing system and help create product road map. Excellent oral and written communication, and basic project management skills are a must Ability to articulate complex concepts in a clear manner, execute in a fast paced environment while balancing multiple priorities and delivering on timelines Ability to negotiate, influence, and collaborate to build successful relationships Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important Strong analytical skills with high attention to detail and accuracy

Key Responsibilities: Conduct detailed credit analysis of existing middle market loans across various sectors. Deliver insightful credit evaluations to support positive client outcomes. Present credit recommendations (approve/reject) to the credit committee. Calculate key credit metrics (e.g., EBITDA, leverage, repayment) based on loan documentation. Monitor and assess compliance with financial covenants. Proactively identify and flag potential credit risks. Manage transaction data using Oxane's proprietary technology platform.

The individual will work be responsible for Business Analysis in credit risk solutions portfolio. The job will include, but not be limited to, requirement gathering, feature documentation, user acceptance testing, functional approach documentation and market research. Representative Product Set: 1. Domain: Credit Risk related processes - Corporates 2. Solutions: Corporate Loan Origination System, financial spreading and Rating system Functional Responsibility Responsible for gathering and translation of business and technical requirements into business requirement documents for Business and Technical documents for the development team Responsible for stakeholder management, working as a mediator between Technical IT partner and Business partners. Responsible for project management, planning project delivery timelines and achieving it. Responsible for providing technical solution to business problems Responsible to design Data Model, Insightful Dashboards and reports through wireframes. Responsible for managing escalations. Ensure testing of the new developments/ new products are planned and executed as per the SLA agreed with the client Process Adherence Prepare and retain project documentation like BRD, FSD, Project Plan, signoff emails etc. for audit requirement. Educational Qualifications PGDMS / MBA / CA will be preferred Experience • 5-7 years, preferably in credit risk or analytical or client-facing roles • Strong domain knowledge in corporate credit lifecycle and credit rating is a plus Skills • Good understanding of Credit risk, Credit underwriting process and Analytics • Self-motivated individual with agile mindset who can learn quickly, support in market research, identify gaps in the existing system and help create product road map. • Excellent oral and written communication, and basic project management skills are a must • Ability to articulate complex concepts in a clear manner, execute in a fast paced environment while balancing multiple priorities and delivering on timelines • Ability to negotiate, influence, and collaborate to build successful relationships • Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important • Strong analytical skills with high attention to detail and accuracy

Candidate should be good enough to learn Credit Analysis Credit Underwriting Credit Management Credit Control

Shift Timings-: 2:00 PM - 11:30 PM IST Job Summary We are seeking a highly motivated Investment Management Analyst to join our Private High Grade (PHG) team. As an integral part of our team, you will gain exposure to a diverse portfolio of Private Credit investments and play a pivotal role in underwriting, monitoring, and managing these deals for our institutional clients. ncepts and the ability to critically implement them. Responsibilities: Deal Management: Collaborate closely with PHG Deal Analysts to assist in investment management and monitoring activities for the deals. IC Memos: Support the deal team in updating Investment Committee approval memos, ensuring a comprehensive understanding of each deal's intricacies. Term sheets: Analyze closing documents such as credit agreements, indentures and note purchase agreements and set up processes for analyzing and monitoring the deal post-closing. Due Diligence: Perform pre-deal due diligence to assess risk and investment potential. Surveillance and Reporting: Update surveillance data and create one-pagers for presentations to senior management for both Public and Private deals. Cashflow Modeling: Develop and update cashflow models for PHG deals. Monitor key metrics to assess risk and expected returns. Projection Models and Sensitivity Analysis: Create and update projection models and run sensitivity analysis to judge the performance of the deal. Sector-Level Analysis: Update monthly sector-level presentations and pro-actively highlight potential issues to senior management. Covenant Monitoring: Continuously monitor covenants and key performance indicators (KPIs) at the deal level, thereby assist the Business Analytics team to run portfolio-level analysis. Ad Hoc Projects: Undertake multiple ad hoc projects as requested by senior management to assess the impact of macro events. Client request/ Compliances: Ensure compliance with investor requirements from an investment management perspective. Data and Tools: Leverage advanced tools such as Python for in-depth analysis. Utilize Tableau for enhanced data visualization. Skills Required: MBA in Finance, CFA, or CA qualification. Experience in analyzing Corporate Credit Analysis is a plus. Strong analytical and quantitative skills. Proficiency in Microsoft Office tools (MS Excel, MS PowerPoint, and MS Word). Ability to summarize complex information succinctly and efficiently. Excellent written and verbal communication skills. Ability to manage multiple projects in a fast-paced environment. Detail-oriented with a commitment to accuracy and precision. Ability to work independently and collaboratively while demonstrating high sense of ownership and accountability. Thorough understanding of basic financial concepts and the ability to critically implement them.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Job Purpose Support and co-partner with the sales team to underwrite mortgage business and manage the portfolio of respective zone. Responsibilities Core Responsibilities: Own theentirecreditunderwriting process for his/her zone, including the consistent application of acreditpolicy, periodiccreditreviews of existing customers, early warning and delinquency management and the assessment of thecredit-worthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organisation needs and regulatory framework Assess customers sourced by the Sales team as per thecreditpolicy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. Arrange forCreditprograms and training within company'screditframework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality ofcredit& maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems