2193 Credit Analysis Jobs - Page 15

Credit Manager The key responsibilities of the role will be as follows: Assessment of credit worthiness of potential customers. Structuring & customizing the products to suit the customers requirements keeping in mind the risk profile, cash flows and security. Work closely with the Business Team to understand the business of the customer, transaction structure, collateral and terms. Preparation of detailed proposal including projections and scenarios. Ability to develop own financial models and do cashflow assessment Presenting the proposals while highlighting risks and mitigants to Approving authorities Responsible for the end to end monitoring of the portfolio Candidate Profile Preferably 6-8 years of experience in Banks / NBFCs in a Credit role preferably in structured finance or large corporate Good analytical & managerial skills. Good Communication and proposal writing Skills.

Relationship Manager LAP (Loan Against Property) & Affordable Loans : The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

What is K-CAP It is a stepping-stone into a coveted career in Credit business. You will build depth in one area as well as get a 360-degree view of the Credit function. What roles can I do as a K-CAP Preparation of Credit Appraisal notes for Large Corporates/MNCs/ SME clients Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtaining information for preparation of Credit Notes Monitor the accounts based on the terms stipulated by Sanctioning Authority Prepare Monthly Monitoring Reports for the portfolio Escalate with action plan for non-compliances Visit the units and submit inspection reports Manage and address any escalations related to risk assessments Am I eligible for K-CAPYES, if, You have a passion for credit analysis You are a 2020-2021 batch pass out of CA / Tier II MBA College / MSC / MCom Logical thinking and data interpretation e.g ability to comprehend trends like inflation impact on interest rates / fx Basic accounting and financial statement understanding Good verbal, written communication & presentation skills Which location will I be placed in All roles are based out of Mumbai, Bangalore, Chennai, Hyderabad, Ahmedabad, Delhi, Jaipur, Chandigarh, Ludhiana, Kolkata, Indore, Rajkot, Pune and Baroda How will I be trained Thorough training in credit analysis Job shadowing with senior credit analyst How will K-CAP help build my career Become an expert in your role Rotate within Credit business Branch out into RM roles in Corporate, Wealth, Consumer or Commercial Banking Roles in the Kotak Group like in KMIL, Investment Banking & etc. What are the rewards Compensation at par with best in Industry How do I apply https://hcbt.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX/requisitionskeyword=62403&mode=location

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

The key responsibilities of the role will be as follows: The role provides an opportunity to work with promoters in the structured finance sector Client facing end to end deal lead business & deal analysis, structuring, drafting term sheets, negotiations Working with credit teams for efficient drafting of credit memos and taking ownership of driving the credit approval process. Working with Service team in execution and disbursement Interacting with various internal and external stakeholders for the successful closure of the deal Job Requirements: Preferably MBAFinance / CAwith 5-10 years of relevant experience Good communication and presentation skills. Analytical and Problem Solving

Regulatory Reporting- Team Member, Mumbai Department Credit Monitoring Team Location Mumbai Number of Positions 1 Role & Responsibility Policies / Process / Board note formation and Celling / Exposure monitoring Position Grade M6 / M7 Policy formation & implementation In charge of Pan Bank Board policy of credit department. Shall be responsible for drafting Board Policy for wholesale and retail credit. Shall also be responsible for drafting processes for implementation of such policy which get placed in Board level committees and other senior management committee. Should ensure that policy and processes are modified on timely basis in adherence to changes in RBI regulations and circulars. Analysing the market trends / practices and benchmarking of policies with the market. Interacting with cross functional teams, understanding the current practice and accordingly recommending the policy / process changes. Monitoring the implementation of signed off policies/ process, identifying gaps and taking corrective action. Limits/ Celling Monitoring Monitoring of NBFC exposure celling,Environmental, Social & Governance (ESG) celling and Group consolidation CAP of large exposure of the bank at frequent interval. Setting up the process for automating the process of celling / CAP monitoring and ensuring that output is as per requirement. Highlighting the derivation/ red alert in case any deviation or higher utilization of actual limit. Releasing frequent MIS to senior management. RBI indent / Audit requirement: Understanding RBI requirement and ensuring revert submission within timeline. Identifying department/ division of the bank for RBI revert and co-ordinating with team for revert submission. Providing data / information / explanation to RBI auditor, Statutory / internal and concurrent auditor as per requirement and within timeline. Tracking and implementing all the changes suggested by Regulator / Auditor. Masters degree (CA /CS/ MBA) in Finance,Accounting,Business Administration,or related field. At least 8 - 10 years of experience in credit underwriting or as a lead in policy / process team. Knowledge of Policy drafting, Credit Appraisal, Credit Monitoring or regulatory requirements. Experience in automation of manual process and monitoring the change. Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships VP Position Grade M4/M5 Preparation of Credit Appraisal notes for MNC clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Job Title Credit Analyst Level M5 / M6 Division Commercial Real Estate Company KMBL No of positions 1 Location Mumbai Reporting to To be decided Reportee None Job Role Credit Analysis: Preliminary screening of commercial real estate financing transactions and structuring Interaction with in-house team (relationship, legal, technical and operations) to provide solution to clients in coordinated and timely manner. Interaction with client to understand their business model, organization structure and financing needs. Also resolution of queries and collection of information on ongoing basis Credit analysis & due diligence. Preparing Credit & Risk Assessment Notes (CRAN) for evaluating risk in borrower, transaction and underlying security and making initial recommendations Presenting the proposal to sanctioning authorities Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts Preparing term sheets Checking disbursements to ensure compliance with sanctioned terms Credit Surveillance: Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client. Keeping update on real estate micro markets, real estate developers, regulations and general economy Credit Administration: Ensuring the approvals are taken as per policies laid down and ensuring the internal polices on credit are not violated Ensuring and monitoring that no external regulations of lending as and when updated by the various institutions like RBI or other regulators are not violated Supervising and ensuring proper maintenance of credit files to avoid any operational risks Job Responsibility Credit Analysis & due diligence Job requirements Skills/Knowledge prerequisites A desire & attitude for understanding of real estate is essential Computer savvy with experience in Word, Excel, Access, Power point and other analytical tools. Conversant with financial modeling Knowledge of finance, accounting, corporate & general law and taxation The individual in this position must be results oriented and must possess excellent oral and written communication skills Educational Qualifications Chartered Accountant Experience Profile Upto 8-10 years of experience Personality Traits Analytical Bent of Mind Enthusiasm for Knowledge Dedication & Sincerity Towards Tasks Assigned Good Organizational Discipline Accuracy and Error Free Execution for Tasks Assigned Team player Salary range Fixed Variable As per company policy Target Companies Internal Group External Banks/HFCs/NBFCs/Real Estate Private Equity funds etc.

This is a Public document. for a Credit Card Transaction Monitoring Manager Reports toCREDIT CARD POLICY HEAD LocationMUMBAI Job Summary: We are seeking an experienced Credit Card Transaction Monitoring individual (M5-AVP) to join our Credit Risk Management team. The successful candidate will be responsible for monitoring credit card transactions data, identifying potential fraud or high risk transactions with higher bad rates, and implementing rules to prevent such transactions and reduce future financial losses coming from them. This role requires a blend of analytical skills, attention to detail, and knowledge of fraud detection technologies and methodologies. The ideal candidate will have experience in data analysis, risk analytics, and fraud prevention. They should be proficient in SAS, SQL, and Python for data querying and analysis, and have a strong understanding of fraud risk management in the financial services industry Key Responsibilities: Monitoring TransactionsResponsible for overseeing credit card transactions to detect and prevent fraudulent activities, high risk transactions on various MCCs such as rental, wallets, fuels etc. this includes analysing transaction patterns and identifying any suspicious behaviour. Rule CreationPart of the job would involve creating and implementing rules within the FALCON system to help identify and stop such transactions. Test and refine rules to ensure accuracy and effectiveness. This requires a deep understanding of fraud trends and the ability to translate this knowledge into effective fraud prevention strategies. Identifying customers who are making non retail transactions and using credit card funds for other than specified retail purposes and building rules to stop or reduce transactions on them by blocking those MIDs, initiating blocking of credit card accounts and credit limit reduction. Using FICO Falcon Fraud ManagerYou would likely be using FICOs Falcon Fraud Manager, which is a leading solution for real-time transaction protection across various channels. CollaborationThe role may require collaboration with business and financial users to define, test, and deploy these rules based on the organizations requirements and strategies Creating and maintaining reports for tracking fraud trends and the performance of fraud prevention strategies. Querying operational databases and data warehouses using SQL and other tools to extract data for analysis. Staying up-to-date on current fraud best practices and emerging threats. This is a Public document. Requirements: 5+ years of experience in credit card transaction monitoring or related field 2+ years of experience in a mid-leadership role. Strong knowledge of Falcon or similar fraud detection systems Excellent analytical and problem-solving skills Effective communication and leadership skills Ability to work in a fast-paced environment Experience with machine learning or data science Certification in fraud prevention or related field will be an added advantage

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Relationship Manager LAP (Loan Against Property) & Affordable Loans : The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Relationship Manager LAP (Loan Against Property) & Affordable Loans : The Relationship Manager LAP & Affordable Loans is responsible for sourcing new customers and managing existing relationships to grow the Loan Against Property (LAP) and Affordable Housing Loan portfolio. The role involves business development, credit analysis, and providing exceptional customer service to ensure high customer satisfaction and retention. Key Responsibilities: Business Development: Customer Relationship Management: Credit Assessment: Sales Target Achievement: Market Intelligence: Source new clients through market visits, channel partners, and referrals. Promote LAP and affordable home loan products in the assigned territory. Build and maintain relationships with key stakeholders like builders, real estate agents, and DSA partners. Manage customer lifecycle from lead generation to loan disbursement. Handle client queries and ensure timely resolution. Regularly follow up with existing customers for renewals, cross-sell opportunities, and referrals. Conduct initial credit evaluation and financial analysis of customers. Ensure compliance with companys risk policy and documentation standards. Liaise with credit and operations teams to ensure smooth processing and disbursement of loans. Achieve monthly and quarterly sales targets for LAP and affordable loans. Monitor performance and proactively take corrective actions to ensure goals are met. Keep abreast of market trends, competitor products, and pricing strategies. Provide feedback and insights to the product and marketing teams. Qualifications: Bachelors degree in Business Administration, Finance, or related field (MBA preferred) 2-5 years of experience in sales of LAP, home loans, or affordable housing loans Knowledge of local market and customer base Understanding of lending norms, credit assessment, and compliance Skills Required: Strong interpersonal and communication skills Proven sales and negotiation abilities Customer-centric mindset Ability to work independently and in a team Good knowledge of financial documents and credit underwriting

Varthana - the largest school funding company in India, is urgently hiring for the post of "Assistant Credit Manager" in Bhopal location! Varthana is the largest education finance company in India headquartered in Bengaluru. Started in 2013, the organization now has its presence in 15 states, 34 branches, and 150 spokes across India, with the goal of transforming affordable education in India. Varthana has successfully served over 4500 affordable private schools in 15 states which educate more than three million students and employ more than 100,000 teachers! Varthana is looking for an Assistant Manager - Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a long-lasting relationship with them. The Assistant Manager will also be coordinating with the sales team and operations team for collecting accurate data. The ideal candidate should have 4-8 years of experience in the credit department. Candidates localite to Bhopal are preferred, but candidates willing to relocate to Bhopal can also apply. The key skills required for this role include credit underwriting, credit analysis, and credit management. The candidate should have the ability to drive a team, ensuring that credit parameters are adhered to, and must be open to travel. What's in it for you - Competitive salary - highest in the market. - Best-in-class learning, career growth opportunities. - Best in "Industry Employee monetary benefits". - ESI + PF + comprehensive insurance (for self, family) and more! If you or someone you know would be a great fit for the role, then apply by sharing the CV to: piyush.a@varthana.com or DM me here. If you're passionate about credit and are looking to transform your career in 2025, then join Varthana and help build the education of tomorrow! Benefits include: - Commuter assistance - Flexible schedule - Health insurance - Life insurance - Provident Fund Schedule: - Day shift - Fixed shift - Monday to Friday - Morning shift Job Types: Full-time, Permanent Work Location: In person,

Responsibilities Invoicing: Creating E-invoices through Tally Prime software and sending invoices to customers for services rendered. Payment Processing: Receiving and processing customer payments through various methods such as checks, electronic transfers, and credit card payments. Account Reconciliation: Ensuring that payments received match the amounts specified in the invoices and apprise the Manager for any discrepancies and provide support to close the discussions with customers. Collections: Contact customers to remind them of overdue payments and following up on outstanding accounts. Recording Transactions: Updating financial records and databases to reflect payment activity accurately. Reporting: Preparing regular reports on accounts receivable status, aging reports, and other relevant financial metrics for management. Softex filing: Preparing the monthly returns for the softex as deemed by the department and ensuring the filling completion. GST: prepare and file the GSTR-1 returns against the revenue after obtaining confirmation form the Manager. Customer Relations: Maintaining positive customer relationships while addressing payment-related concerns. Bookkeeping: Work with the finance team to ensure accurate posting of receivable transactions in the general ledger and maintain books as required. Qualifications Bachelor's degree in accounting, Finance, or commerce. Proven experience (5 years) in accounts receivable, billing, or related financial roles. Strong knowledge of accounting principles and practices. Proficiency in using accounting software and Microsoft Office Suite. Excellent organizational skills and attention to detail. Good communication and interpersonal skills. Ability to work independently and as part of a team. Problem-solving skills to address billing issues and discrepancies. Knowledge of relevant laws and regulations related to billing and collections. Professionalism and a customer-focused attitude.

You are a highly experienced and dynamic Director who will join the International Corporate Bank team in Mumbai. Your expertise lies in relationship management and senior coverage, focusing on large conglomerates with a global presence. Your responsibilities will include representing the Bank across Corporate and Investment Banking products such as lending, transaction banking, and Global & Capital Markets. You will drive and grow revenues while working within specific budgets. Your key responsibilities will involve developing and maintaining strong relationships with large conglomerates, understanding their financial needs, and providing tailored solutions. You will collaborate with internal teams to deliver comprehensive banking solutions, ensuring a strong focus on risk management and controls. Communication and commercial skills will be crucial as you engage with clients and internal stakeholders, along with providing industry insights and credit analysis. Qualifications for this role include proven experience in relationship management within the banking industry, expertise in Corporate and Investment Banking products, strong communication skills, and a focus on risk management and controls. You should be a team player with a collaborative approach and demonstrate a thorough understanding of industry trends and credit analysis. The purpose of your role is to establish and nurture profitable partnerships with corporate and individual clients, bridging the bank's offerings and clients" needs for mutual benefit and long-term success. Your accountabilities will involve managing client relationships, understanding their financial goals, and designing customized solutions. You will communicate the value proposition of proposed solutions, provide guidance to clients, assess risks, document interactions, and monitor client satisfaction and revenue metrics. As a Director, you will manage a business function, contribute to strategic initiatives, lead a team, provide expert advice, and influence decisions. You will maintain knowledge of industry practices, solve complex problems, make strategic decisions, negotiate with stakeholders, and act as a spokesperson for the function and business division. All Senior Leaders are expected to demonstrate leadership behaviours encompassed in the LEAD acronym: Listen and be authentic, Energise and inspire, Align across the enterprise, and Develop others. Colleagues are expected to uphold Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, along with the Barclays Mindset to Empower, Challenge, and Drive.,

You will work with a team of onshore analysts to cover the credit portfolio of corporates in UAE, GCC, and international markets. Your responsibilities will include preparing opinion-based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies. The credit assessment process will involve researching and analyzing entities, assessing their credit strengths and weaknesses, weighing their business and financial risk profile, and considering potential sovereign or parent support. Your tasks will also involve preparing detailed credit assessment reports, discussing company profiles, and analyzing credit risk considerations. Additionally, you will be responsible for creating and updating detailed financial models, conducting financial analysis, capital structure analysis, calculating key credit quality determinants, financial projections (up to 7 years), determining and recommending ratings based on the internal rating framework and methodology. Regular interaction with clients to discuss reports and workflow, supporting clients with ad-hoc research requests, engaging with client teams proactively, suggesting new ideas to enhance client engagement, and training new hires and mentoring juniors in the team are also part of your responsibilities. In terms of functional and behavioral knowledge, you should have experience in deal financial modeling, surveillance, portfolio monitoring, and credit analysis. A good understanding of banking regulations, calculation of key credit metrics, capital ratios, and banks" internal systems is essential. You will be expected to identify and resolve complex research issues and team problems, as well as assisting in solving complex problems related to financial modeling. Interactions will involve working within your team, interacting with other related teams, and communicating with internal and external clients and/or issuers as necessary. Additionally, you will be responsible for mentoring and managing a small team, impacting the quality and effectiveness of your own team.,

Are you seeking an exciting opportunity to become a part of a dynamic and rapidly expanding team in a fast-paced and challenging environment As the Lead Credit Risk - Vice President of Innovation Economy Credit Risk, your primary responsibility will be to oversee the credit risk management function for the innovation economy portfolio throughout the entire Asia Pacific region. You will play a crucial role in the Risk Management and Compliance team, which is essential for maintaining the strength and resilience of JPMorgan Chase. Your expertise will contribute to the responsible growth of our business by proactively identifying new and emerging risks and leveraging your judgment to address real-world challenges that impact our company, customers, and communities. In this role, you will be encouraged to think creatively, challenge conventional practices, and strive for excellence. As a member of the Risk Management and Compliance team, you will be at the forefront of ensuring the robustness and sustainability of JPMorgan Chase. Your efforts will help the firm expand its operations in a prudent manner by identifying and addressing evolving risks while upholding our commitment to integrity and discipline. If you are a collaborative team player, solution-driven, and eager to learn, you will be a valuable addition to our team. **Job Responsibilities:** - Lead the credit risk management function for the Innovation Economy portfolio across the Asia Pacific region. - Supervise and manage a designated portfolio of corporate clients spanning various industries. - Oversee due diligence, structuring, and documentation for transactions. - Conduct forward-looking credit analysis and financial modeling to provide insights into clients" industries and the key business and financial risks they encounter. - Exercise significant credit approval authority. - Collaborate closely with transaction stakeholders, including client coverage and product bankers, credit executives, and legal counsel in different countries within the Asia Pacific region. - Review diverse credit and regulatory reporting requirements. - Mentor and develop junior CIB Credit Risk team members. - Stay abreast of market and industry developments and their implications for clients. - Recommend and monitor internal credit ratings. - Support the team with ongoing ad-hoc initiatives and work streams. - Supervise the team on all regulatory deliverables such as local credit committee notes, reporting, regulatory audits, etc. **Required Qualifications, Skills, and Capabilities:** - Minimum of seven years of experience in a credit risk or credit analysis role within corporate, institutional, and/or investment banking. Experience in credit analysis of Innovation Economy clients would be advantageous. - Proficient in both qualitative and quantitative credit risk analysis. - Comprehensive understanding of products in debt markets and derivatives, as well as related documentation. - Proactive in identifying critical issues and concerns related to clients, their industries, and transaction structures. - Excellent written and verbal communication skills, along with strong interpersonal abilities. - Effective time management skills and clarity in decision-making even when managing multiple work streams in a fast-paced environment. - Ability to cultivate relationships and confidently engage with origination teams and other internal stakeholders. - Advanced proficiency in MS Excel, including navigating financial models, and familiarity with other MS programs such as PowerPoint, Word, and Outlook. - Bachelor's degree or postgraduate qualifications in accounting, business, finance, or a quantitative-related discipline.,

As a Lending Officer at Deutsche Bank in Mumbai, India, you will be a part of a well-established team dedicated to providing customized and standardized liquidity solutions for ultra/high net worth individuals. The team operates across Mumbai, Hong Kong, and Singapore. You will have the opportunity to benefit from our flexible scheme which includes a best in class leave policy, gender-neutral parental leaves, child care assistance benefit, flexible working arrangements, sponsorship for industry relevant certifications, and comprehensive insurance coverage for you and your dependents. Your key responsibilities will involve handling initial financing enquiries and live execution, conducting financial analysis of underlying companies and collateral, preparing transaction write-ups and internal presentations, and assisting in credit approval analysis and risk management queries. Post-transaction tasks include monitoring transaction covenants, amendments, and credit renewal processes. To succeed in this role, you should possess prior experience in credit analysis within the lending business, superior analytical aptitude, problem-solving skills, and excellent communication abilities. A minimum of 6 years of experience in a financial institution in a similar role is preferred. Attention to detail, motivation, and the ability to work collaboratively are essential qualities. You will receive training, coaching, and support to excel in your career, along with a culture of continuous learning and a range of flexible benefits. Deutsche Bank fosters a positive, fair, and inclusive work environment where employees are encouraged to excel together every day. For further information about our company and teams, please visit our website: https://www.db.com/company/company.htm. We welcome applications from all individuals and strive to create a culture of empowerment, responsibility, and collaboration within Deutsche Bank Group.,

You will be responsible for underwriting and managing the portfolio in the assigned branch or location. This involves reviewing and assessing a variety of complex loan applications within specified guidelines, making decisions, or recommending them for approval to higher authorities. You will underwrite proposals according to established policies and procedures to meet agreed service level agreements and manage business volumes in the city or area. Your role will also include conducting personal discussions with customers to determine their creditworthiness, ensuring completion of credit and KYC documents, and conducting verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, have a deep understanding of the rationale behind ratio calculations, and comprehend their impact on loan performance throughout the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operational MIS for the cluster, as well as providing regular reports, will be part of your responsibilities. Building and leveraging effective relationships with third parties to achieve optimal outcomes for clients is crucial. You will need to take ownership of client queries, apply industry knowledge and experience to solve problems, exceed service quality standards, and continuously seek process improvements. Furthermore, you will be required to critically review credit proposals to identify industry, business, financial, management, and facility structure risks. Ensuring collateral and other credit risk mitigation measures are in place to support approving authorities in decision-making is essential. Collaborating closely with the sales team, you will enable quick turnaround times for credit lending proposals and conduct ongoing reviews of credit exposures to maintain their bankability. Your role also involves overseeing the credit underwriting function of your branch, ensuring efficient credit lending proposal processing in coordination with local credit analysts and the sales team. Throughout the pre-sanction to post-disbursement phases, you will monitor client and collateral creditworthiness, taking necessary risk mitigation steps while adhering to legal and documentation norms and policies. Educational Qualification: Post Graduate/ Graduate in any discipline,

As an Internal Rating Validation professional at our organization, your primary responsibility will be to assess and validate the credit ratings for corporate, SME, business banking, NBFC, MFI, broker, and bank clients across the bank. This critical role involves conducting a detailed review and understanding of credit aspects such as industry trends, business operations, financial performance, and management quality. You will be required to prepare comprehensive rating rationales and provide justifications for any adjustments made to risk scores. One of your key tasks will be to review deviations from the credit policy of the bank and provide recommendations or comments on all credit proposals presented to the Board level credit committee. Your expertise will be crucial in assessing policy compliance, portfolio risk, and industry prospects to ensure informed decision-making. Additionally, you will have the authority to approve judgemental rating actions based on the delegation matrix. Effective communication and collaboration with various stakeholders, including credit and business teams across different segments such as Large Corporates, Emerging Local Corporates, NBFCs, Brokers, MFIs, Projects, and Small Enterprises, will be essential for success in this role. You will be responsible for resolving internal and external audit queries as well as addressing concerns raised by regulatory bodies like the RBI. Furthermore, you will play a key role in reviewing and recommending the classification of borrowers experiencing financial difficulties. Your expertise will also be instrumental in regularly updating industry risk scores, identifying new industries for evaluation, and staying informed about the latest industry developments through participation in seminars, conferences, client interactions, and engagement with industry databases. In addition to your technical responsibilities, you will be tasked with defining and driving the achievement of goals and key performance indicators for your team members. Your role will involve nurturing talent within the team by providing guidance, feedback, coaching, and development opportunities to help individuals reach their objectives. You will also be responsible for developing a talent pipeline for key roles and mentoring high-potential employees within the organization. Finally, ensuring adherence to processes and working within predefined turnaround times will be essential to maintain operational efficiency and effectiveness in this role. Your commitment to excellence and ability to collaborate with diverse teams will be key to success in this challenging and rewarding position.,

The Corporate Private Credit Ratings Team at Morningstar DBRS in Mumbai is seeking an Analyst to join their Credit Operations Mumbai Analytics team. Morningstar DBRS, a global credit ratings business, is dedicated to facilitating investor success by leveraging cutting-edge technology and setting high standards for the industry. With a global presence and a commitment to clarity, diversity, and responsiveness in the ratings process, Morningstar DBRS is a market leader in various asset classes. As part of the Credit Operations Mumbai Analytics team, you will play a crucial role in delivering credit ratings and information efficiently to the market. As an Analyst in the Corporate team, you will have the opportunity to enhance your analytical skills and gain insights into the credit ratings process. Your responsibilities will include conducting fundamental analysis of corporate borrowers, updating financial models, monitoring news impacting corporate credits, and supporting the global analytical teams in various tasks. Additionally, you will collaborate with stakeholders to provide valuable insights and contribute to the overall ratings value chain. Key Responsibilities: - Develop proficiency in credit analysis and support global analytical teams - Prepare and update financial models, analyze industry data, and assist in research activities - Review and summarize credit and legal documentation - Assist in preparing credit rating memos and rationales - Maintain documentation and operational databases to support the credit rating process - Ensure compliance with regulatory and company policies Requirements: - Masters or Postgraduate in Management (Finance), CA, CFA Level 3, or equivalent qualification - 2-3 years of relevant experience in capital markets or corporate credit analysis - Good understanding of finance and accounting concepts - Knowledge of U.S. GAAP and/or IFRS accounting rules is desirable - Strong quantitative and analytical skills with attention to detail - Fluent in English with excellent communication skills - Highly motivated, self-starter with a positive attitude and strong work ethic - Ability to manage multiple tasks and deliver results timely - Good interpersonal skills and a team player Morningstar DBRS offers a hybrid work model with partial work-from-home options, providing flexibility for employees. As a leading provider of independent rating services globally, Morningstar DBRS empowers investor success through transparency and diversity of opinion in the credit rating industry. If you join the team, you will be required to disclose personal investments for compliance purposes. Morningstar DBRS values collaboration and innovation, offering a dynamic work environment with opportunities for growth and development.,

As a Credit Analyst at SCB GIFT City located in Gandhinagar, Gujarat, your main responsibility will be to grow the business of the branch with a focus on maintaining a good quality portfolio. You will be required to interact with Relationship Managers and clients to gather deal requirements, financial statements, and other necessary inputs for performing quality analysis and due diligence. Working closely with RM/product partners, you will be involved in structuring credit solutions for clients and ensuring the appropriateness of the products. Additionally, you will be responsible for the end-to-end BCA process using tools like Creditlens, RMWB, Raptor, Scorecard, etc., to conduct in-depth risk analysis, make quality presentations, and ensure fast credit approval. In terms of processes, you will monitor the quality of the portfolio by tracking excess/past dues, complying with ASTAR and EAR processes, and ensuring timely submission of quality Quarterly Credit/Performance Reports. You will review reports from various tools like Fraud Risk Analytics, Credit Analytics, monitor risk triggers, covenants, and other credit conditions, and ensure zero BCA and CaRT overdues. Proper maintenance of credit files, attending EAR/Portfolio calls, and liaising with Credit on BCA and other credit issues will also be part of your responsibilities. Furthermore, you will be expected to display exemplary conduct in line with the Group's values and Code of Conduct, take personal responsibility for embedding high ethical standards, and ensure compliance with all applicable laws, regulations, guidelines, and the Group Code of Conduct. You will also be required to engage with audit report findings and ensure feedback is acted upon. In terms of qualifications, you should have substantial experience in the banking industry, including demonstrated success in a similar role, possess sharp business acumen, excellent interpersonal skills, and multi-cultural awareness and sensitivity. Ability to work with geographically dispersed stakeholders and at least 7-8 years of relevant experience in credit analysis are essential. Standard Chartered is an international bank that values diversity, challenges the status quo, and strives to make a positive impact. If you are looking for a purpose-driven career and want to work for a bank that celebrates unique talents and advocates inclusion, we encourage you to join us. Together, we do the right thing, continuously strive to improve, and work collectively to build for the long term. At Standard Chartered, we offer core bank funding for retirement savings, medical and life insurance, flexible working options, proactive wellbeing support, continuous learning opportunities, and an inclusive and values-driven environment that celebrates diversity and respects individual potential. Join us and be part of a team that values difference, advocates inclusion, and works towards driving commerce and prosperity through unique diversity. For more information and to explore career opportunities, visit www.sc.com/careers.,

About the Company Axience is a professional business services firm, established with a credo of delivering Integrated Bespoke Solutions for our clients. We provide high-quality bespoke and boutique style financial and business research services and have established ourselves as a well-regarded research firm delivering value-added and complex work to a strong client base, through a highly capable analyst and management team. Our main office is located in Mumbai (India), along with small capabilities in Dubai (UAE) and Cluj Napoca (Romania). Our Financial Research Team The team supports reputable clients in the financial services industry including private equity and debt funds, investment banks, asset managers, and family offices, among others. Our clients are spread across Europe, the US, and the Middle East. As part of a team working on a variety of long-term and short-term engagements for global financial services firms/investors, you will gain extensive exposure to truly global professional standards. Position: VP / SVP Financial Research A VP / SVP at Axience is hired typically from peer groups or related backgrounds, with one of the key attributes being experience and expertise in areas such as equity/credit analysis (public or private), financial modeling, valuations, and investment report writing. Responsibilities will include (but not be limited to): - Work on projects such as supporting private equity clients in identifying and evaluating investment opportunities; similarly, working with investment banking/corporate advisory clients in pitching investment ideas. - Supporting sell/buy-side equity research clients in initiating coverage, annual/quarterly maintenance of models and reports, sector studies, and various thematic reports. - Work hands-on on complex projects requiring high levels of financial research expertise, as well as guide and supervise analysts. - Manage projects end-to-end from scoping and execution to keeping internal stakeholders updated and communicating directly with the client. - Assist in proposal preparation, work allocation among analyst team, work review, and finalization of deliverables. - Train, mentor, and monitor junior analysts. Academic and professional background: 8+ years of relevant experience for VP and 10+ years for SVP; prior experience of working in KPOs/captive offshore units of international investment banks/brokerage houses will be given preference. Experience in one or more of the following: - Sell/buy-side equity or credit research with highly developed financial modeling and report writing skills. - M&A analysis (for private equity, corporate finance advisory/investment banking clients) company and industry analysis, pitch book/IM/IC memos, financial modeling, valuations. MBA from top-tier colleges with a strong academic record; CFA highly preferred. Required skills: - Exceptional oral and written communication skills (English). - Quantitative analytical skills. - Ability to balance hands-on and hands-off approach. - Should be proactive in prioritizing and organizing tasks to meet deadlines while working on multiple projects. - Superior analytical, interpersonal skills, and ability to dig deeper into problems and suggest solutions. - Ability to work on unstructured situations and projects. Contact Candidates can also send their CV directly to fr.openings2@axience.com with the appropriate subject line, for a faster response. Other Requirements Only Mumbai-based candidates or those that are willing to relocate will be considered.,