2199 Credit Analysis Jobs - Page 24

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. • Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. • Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. • Ensuring process & underwriting efficiencies through tech initiatives/digitalization. • Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. • Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. • Support system changes to improve quality of data and ease of processes. • Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. • Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. • Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis. • Should have knowledge and experience of handling structured transactions viz. LRD and should have knowhow of products • Data analysis & Automation : Utilize the data analytics to gain insights into credit trends, customer behavior, and portfolio performance and use this information to optimize credit policy decisions. Collaborating with the Data science & Tech team for increasing the extent of automation and system decisioning to maximize the coverage of transactions through system. Developing, deploying, maintaining and updating scorecards / policy rules (BREs) in system. Ensure successful UAT is conducted for all BREs coded in the system. • Collateral Analysis and Monitoring: Identification of monitoring of risks related to collateral including PDD checks, title search, pricing valuation changes, recoverability etc. • Regulatory Compliance : Stay up to date with the latest regulatory guidelines and ensure the credit policy adheres to all the relevant legal and regulatory requirements set forth by the relevant authorities. Preferred candidate profile

Financial Spreading Financial Analysis: Conduct in-depth financial analysis of publicly traded companies to assess creditworthiness and financial health. This includes analyzing financial statements, cash flow statements, and income statements. Quantitative Modeling: Collaborate with the quantitative strategies team to develop and maintain quantitative models for credit risk assessment. This includes refining existing models and creating new ones to improve investment decision-making. Scorecard Creation: Design and implement scorecards to evaluate credit risk and identify potential investment opportunities. Continuously update and refine these scorecards to adapt to changing market conditions. Research and Due Diligence: Stay informed about market trends, industry developments, and macroeconomic factors that may impact credit markets. Conduct thorough research and due diligence on potential investments. Portfolio Management: Assist in managing and monitoring credit portfolios, making recommendations for trades and adjustments based on quantitative analysis and risk assessment. Reporting: Generate reports and presentations to communicate findings, investment recommendations, and portfolio performance to internal stakeholders and clients. Master's degree in finance, accounting, or a related field. 3-5 years of relevant experience in credit analysis, financial analysis, or quantitative modeling. Strong understanding of accounting principles and financial statement analysis. Excellent analytical and problem-solving skills. Strong communication and presentation skills. Ability to work collaboratively in a team-oriented environment. Detail-oriented with a commitment to accuracy and data integrity. Covenant Analysis , Ratio analysis , Financial spreading

What We're Looking For Bachelors degree program in Finance, Accounting, Business, or a related field check Strong analytical and problem-solving skills Proficient in Microsoft Office Suite (Excel, Word, PowerPoint) Excellent written and verbal communication skills Detail-oriented with strong organizational skills Ability to work independently and as part of a team Responsibilities Assist with credit analysis and risk assessment for new and existing clients Help maintain accurate records of credit applications and transactions Participate in team meetings and contribute to ongoing projects Perform other duties as assigned.

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) Implement risk management processes at the ground level for the construction finance business, gaining a thorough understanding of the project and developer and preparing a credit memo to assess the project viability and proposal structure as per ABHFL risk parameters and customer requirements. Key activities are analysis of project viability, assessment of market information and developer financials. 2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number Unit Workforce Number Function Workforce Number Department Workforce Number Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business / Unit / Function / Department / Section Organizational Context Key Aspects: Part of the Aditya Birla Capital Limited, Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9 th July 2014 and has aggressive growth plans. ABHFL has grown at a steady rate while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of segment like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country. The ABHFL Sales organization works broadly with 3 customer segments retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self-employed, with both of these having very different preferences and needs. Job Context Key Aspects: The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. The Business Credit Analyst is an integral part of the Construction Finance Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process. Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes. Generating various MIS s and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect. Key Challenges Cross functional coordination to enable timely approval of credit proposals Self-updating on economic / sectoral changes in the economy Improvising on TAT Seamless co-ordination with multiple internal and external entities New product development Enabling Skill Sets & Qualifications The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision-making skills, initiative & target orientation & market intelligence developed through a strong industry network. The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 2-4 years of experience in credit and risk functions of Banks/NBFCs. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas) Key Result Areas Supporting Actions To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements Carry out an analysis of the balance sheet and recent financial results of developers and their organizations Carry out background research on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of ABHFL s lending portfolio To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. Monitor statutory real estate guidelines and assess any relevant information from these sources Manage direct relationships with developer finance and accounts teams to get timely and correct information Prepare a credit memo and forward it to the Risk team /credit committee, following up on action so as to ensure minimal turn-around-time of the approval process To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favor of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. Emphasize strict compliance and adherence to internal risk management and external regulatory norms Ensure a thorough understanding and acceptance of the ABFL credit risk strategies, and ensure that appropriate credit risk parameters are incorporated in proposals To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures Monitor customer accounts on a periodic basis to ensure the maintenance of acceptable asset quality levels Track delinquent and potentially problematic accounts closely, taking action to minimize the level of NPAs within the region Vendor Management Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies. Managing TAT with various vendors a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association. Process Management Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction. Proper capturing of data in the requisite system to ensure proper MIS generation for business decisions Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects. Handling customer escalations and complaints during and post disbursements replies to mailers, correspondences with co-ordination with the legal team 5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) Credit Processing Associates(CPA) CPA who punch data of the balance sheet and projects. Coordinate with outside legal and technical agencies for valuation and reports. 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type Frequency Nature Internal CEO/CBO Head CF & RE Regional Sales Managers/SRM/RM Risk Function Credit Monitoring Team Head Risk, ABHFL Operations Function HR function IT Head/ OPS head Accounts function Marketing function Quarterly Daily/Need based Daily Daily Daily Monthly Daily Need Based Need based Need based Need based Business Review, MIS Project analysis, MIS and business review, Customer Meetings Project analysis, MIS and business review, Customer Meetings Project analysis, Resolution of Appraisal queries, MIS, Portfolio review MIS, Covenant compliance, NOC Issuance, Portfolio review, intimation on major shortfall/skips/defaults in portfolios Business Review, MIS Client servicing issues, Mortgage creation, Disbursal completion Recruitments, Performance Reviews, Incentives,Training, Talent Management Business applications, ongoing IT support Financial analysis and MIS Market feedback, marketing plans etc External Developers, Institutions and Real estate players Channel partners Auditors/ Lawyers/ Valuers/ FI & Fraud Containment Agencies Peers in the industry Daily/ Weekly Weekly/ fortnightly Daily Fortnightly/ Monthly Customer relationship management, gauging new product development opportunities Review pan India channel partner & distribution networks, effect of engagement programs CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings CRM, understanding the market pulse of new initiatives etc Ensuring proper Credit and Business discussions for smooth operations,Market intelligence & trends 7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

Oversee the end-to-end execution of KYC remediation and transformation initiatives. Coordinate cross-functional teams to ensure timely completion of project milestones. Manage risk and control issues related to KYC operations through proactive identification and mitigation strategies. Produce regular reports and dashboards to track program health and regulatory compliance. Location - Navi Mumbai,Thane,Mumbai,Chandigarh,Mohali,Pune,Mumbai,India,Gurugram,Coimbatore,Mumbai Suburban,Bengaluru,Dombivli,Chennai,Chand,Panchkula,Pimpri-Chinchwad,Panvel,Ulhasnagar,Kharar,Hyderabad, Pune, Mumbai, Gurugram, New Delhi, Chennai, Hyderabad, Noida, Ahmedabad,Bhiwandi,Manesar,Tiruppur,Andheri,Whitefield,Kalyan,Tambaram,Secunderabad,Noida,Greater Noida,Gandhinagar, Vashi, Dombivli, Navi Mumbai, Panchkula, Thane, Mohali, Kharghar, Gachibowli, Manesar, Delhi, Belapur, Kalyan, Panvel, Borivali, Dwarka, Palakkad, Kandivali, Indiranagar, Ulhasnagar, Sohna, Faridabad, Ghaziabad, Indirapuram, Airoli, Andheri, Koramangala, Badlapur, Kukatpally

: Job Title: Corporate Bank NFR Financial Crime Risk, Sanctions Oversight, VP LocationMumbai, India Corporate TitleVP Role Description The Financial Crime Risk Management Function is a Global front office function within Corporate Bank Non Financial Risk (CB NFR). The primary objective to support the Corporate Bank by creating a robust control framework as part of the first line of defence. The teams mandate is to identify non-financial risks such as regulatory, conduct and systemic risks, define mitigation processes for those risks, as well as to develop, implement and monitor Level 1 controls. In addition to working closely with the Product, Relationship & Transaction Management, Coverage and Sales desks, the groups reach and interaction will be broad, including engagement within Corporate Bank (CB) and those functions forming the 2nd Line of defence within the 3 Lines of Dfense (3LoD) program. You will be in the CB NFR function in Financial Crime Risk Management focusing on Sanctions risk oversight. You will also be participating in Cross CB NFR projects from time to time. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Support the Sanctions Business Sanctions Delegate in running Governance framework for Sanctions Oversight (Setup of forums, information flow and escalation/decision making points) Support the functions face-off to relevant 2LOD AFC team on upcoming regulatory and policy changes and implementation of changes related to Sanctions policy/procedures across CB businesses. Produce and maintain relevant procedures covering CB division along with nuances for CB products/functions (ICM, Bizbanking, TF&L, SES, TAS, CCM, Txn Filtering and Surveillance). Support Governance Meetings, validate existing risk items, update progress status and work with relevant stakeholders on key risk items, mitigation factors adopted/ to be adopted Aid in proactively managing and facing off to Audit/ CT&A on findings and observations Execute on the findings book of work in CB for Financial Crime incl Sanctions risk related items and ensure appropriate governance Challenge and quality check inputs from businesses for Sanctions Financial Crimes Risk Assessment (FCRA) Monitor, track and drive resolution of action items coming out of the Sanctions FCRA results. Procure and compile metrics for risk management. Drive/Participate in Data Analytics and MI generation to identify potential trends and risk landscape Participate in Global/regional projects & initiatives on the back of regulatory developments, policies changes affecting CB Play a proactive role in developing best practices on business process re-engineering and multi-initiative management Develop professional working relationships with colleagues, the business and respective supporting teams. Your skills and experience At least 10 years of proven experience in non-financial risk management domain (knowledge of Sanctions risk is and Corporate banking business/products is advantageous) Strong background/knowledge of Financial Crime risk topics balanced with Client Centricity. Strong leadership and management abilities to lead front-to-back risk remediations / regulatory programs and to engage with senior stakeholders across LOD. Excellent analytical, decision-making & problem solving skills. Highly motivated to drive change, self-reliant, adaptable with a structured way of working with high willingness to take responsibility, and ability to deliver highest level of quality under time pressure. Strong team player, would have led and worked in virtual global teams and in a matrix organization Excellent communication and presentation skills How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

: Job TitleOperations Analyst, NCT LocationJaipur, India Role Description Lending Operations team is part of PB Wealth management business which takes care Loan Operations, Servicing, Deal Origination, WIPs & PDs, Collateral booking & linking in Loan IQ system and various other related processes in place for private clients in USA. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Preparing daily activity sheet, processing repricing, rollover, interest, principal paydown, MFFs etc in Loan IQ system. Managing email box and processing funding requests on already set up loans in system. Setting up new deals in Loan IQ system and working on amendment requests. Generating the outstanding Invoices, Fund Transfer, Reconciliation of Accruals vs Outstanding Payments of lending business. Sharing the Invoices with Client over e-mails or mails. Adjustments of Interest rates in Deposit account when required. Preparing of automated and manual reports on outstanding Documents and sharing with business, Keeping a track of outstanding document on loan account. Following up with business for submission. Identifying a business risk and report it to respective stakeholders. Handling Audits requirements with explaining the process and providing documents Completion of day-to-day activity as per standards and ensure accurate and timely delivery of assigned production duties. Ensure adherence to all cut-off times and quality of processing as maintained in SLAs. Monitor volume inflow and assist in sufficient resource and task allocation in a justifiable manner. Ensure that all queries/first level escalations related to routine activities are responded to within the specified time frame. Act as backup for the team manager in their absence and share best practices with the team. Ensure quality/quantity of processing is maintained as per the SLA. Should be capable to handle multiple deadlines. Ensure HRM policies are followed. Ensure to process and approve all transactions in given TAT. Understanding of downstream and upstream of process workflow. Drive Partnership value with various internal teams. Checklist to be signed on daily basis and scanned to shared folder. Driving process improvements in the team. Ensure timely completion of all request and adhere to Client Confidentiality. Update volumes in various spreadsheets/work logs accurately and on time. Assist Team manager/AVP in decision making and taking complete ownership of the situation. Ensure teamwork culture is practiced. To get involved in on-going Projects driven by the management team. Ensure adequate back-ups created for all critical positions and assist other teams during contingencies (Staff shortage, high volumes etc). Escalate all issues in time, to the appropriate level, to avoid any adverse impact on the business. Ensure all the KOPs are updated properly. Flexible with business hours respective to volume received. Your skills and experience Have full understanding of Lending products & processes. This may include having at least 2 years of experience in Loan Operations, Servicing, Origination, Deal amendments, Collateral booking & linking in Loan IQ, and any other aspects of Lending business. Hands on / working knowledge of Loan IQ system is a must. Needs to be a self-starter with significant ability to undertake initiatives. Strong interpersonal / good negotiations skills are required. Follow through skills, Effective communication skills, fluency in Microsoft Office skills, ability to confidently handle internal clients, futuristic and innovative approach will be expected. Ability and willingness to work in night shift is a must. How well support you

: Job TitleInvestment Risk - Risk Manager, AVP LocationMumbai/ Pune, India Role Description Today, markets face a whole new set of pressures but also a whole lot of opportunity too. Opportunity to innovate differently. Opportunity to invest responsibly. And opportunity to make change. Join us at DWS, and you can be part of an industry-leading firm with a global presence. You can lead ambitious opportunities and shape the future of investing. You can support our clients, local communities, and the environment. Were looking for creative thinkers and innovators to join us as the world continues to transform. As whole markets change, one thing remains clear; our people always work together to capture the opportunities of tomorrow. Thats why we are Investors for a new now. As investors on behalf of our clients, it is our role to find investment solutions. Ensuring the best possible foundation for our clients financial future. And in return, well give you the support and platform to develop new skills, make an impact and work alongside some of the industrys greatest thought leaders. This is your chance to achieve your goals and lead an extraordinary career. About DWS Investment Risk The Chief Risk Office within DWS is an independent function responsible for protecting the business as well as being a trusted adviser and partner for supporting sustainable business growth. As part of the Chief Risk Office, the Investment Risk team is in charge of independent oversight of investment risk of DWS fiduciary portfolios. In this role, it designs and executes the risk programs to identify, measure, control and manage market, liquidity, sustainability, and counterparty risk of fiduciary portfolios. This includes the regular monitoring, analysis, and reporting of risk to portfolio management and DWS management boards. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Conduct portfolio risk monitoring, analysis, and reporting across risk types (market risk, liquidity risk, and counterparty risk) and asset classes (e.g. equity, fixed income, and commodities) Support and execute data quality management and escalation processes of different risk metrics Develop and prepare reports, dashboards and memos on investment risk for management and other oversight bodies Review of new / existing product risk profiles and portfolio positions to identify potential sources of investment risk Support the development of systems and tools to automate and operationalize risk limitation, measurement, monitoring and escalation processes Contribute to global and local projects in the Liquid Investment Risk Management Team Your skills and experience University degree in Finance or quantitative field, Chartered Financial Analyst or Financial Risk Manager designations a plus At least 4 years of proven experience in the financial services industry, with experience in different risk functions (market, counterparty, credit, liquidity) preferably within a buy-side firm Proven experience analysing VaR metrics Proven experience with analytical models for financial instruments Previous experience with BlackRock Solutions Aladdin preferred Strong knowledge of risk management across a diverse set of instrument types, business mandates, and risk disciplines (market risk, liquidity risk, counterparty risk) Excellent verbal and written communications skills, with ability to communicate issues to management proactively and effectively Proactive mind-set to implement process improvements and new solutions Strong organizational skills and ability to manage competing priorities Strong working knowledge of MS Word, Excel, PowerPoint, SQL, and Python How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm

: Job Title Conduct, Business Risk & Controls, AVP LocationMumbai, India Role Description The Conduct, Business Risk and Controls office is a small but high impact team within the CB IB Non-Financial Risk office, tasked to deliver a best-in-class controls and culture across Corporate Bank (CB), Investment Bank (IB) and Corporate Bank and Investment Bank Operations & Controls (CB IB Ops). We work in partnership with our leadership, business aligned control teams (i.e. within CB, IB and CB IB Ops) and our partners in Infrastructure. You will play a key role in supporting strategy execution, taking the lead in assigned projects and stakeholder management, particularly around the design and execution of strategic objectives relating to the CB IB Non-Financial Risk profile. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Analyse and interpret changes in the CB, IB and DB IB Ops non-financial risk profile Oversee the effective operation of breach management alerts, where the residual non financial risk exceeds defined tolerances, and review remediation commentary explains provided by the respective 1st line owners Support the rollout of new non-financial risk activities across CB IB, via coordination with stakeholders, to ensure that control enhancements or residual risk mitigation activities are defined, agreed and implemented on a front to back basis Contribute to the design and build of non-financial risk reporting with a continuous improvement mind-set Identify dependencies within the risk profile (e.g. where the risk appetite remediation ownershpip sits in other divisions) and underpin effective communication and sharing of information across the Bank Build and maintain effective working relationships with stakeholders across the 1st line of defense (Business) and 2nd line of defense (Infrastructure) and foster a collaborative approach Prepare regular updates / presentations for key governance fora (including Divisional Executive Committees, Supervisory Board, IB CB Controls Leadership Forum, etc) and dashboards for key stakeholders (e.g. MB-level, Non-Financial Risk Committees) Execute ad-hoc tasks and activities as and when deep-dives are required on specific topics for internal and external stakeholders Facilitate a home of best fit mindset with the utilisation of the India CBRC to progress with established activities once embedded into the business as usual operating model Your skills and experience Proven experience in risks and controls at a global bank with well-developed knowledge of front to back risk and control in Corporate and Investment Banking A knowledge of non-financial risk frameworks Attention to detail with problem-solving skills (structured, analytical, articulate) Demonstrable track record in identifying opportunities for innovation Excellent knowledge and experience with Microsoft products (e.g. Excel, Word, PowerPoint) Excellent verbal and written communication skills in English Educated to Bachelors degree level or equivalent qualification/relevant work experience How well support you

: Job Title CA Intern LocationMumbai, India Corporate Title Intern Role Description We are committed to being the best financial services provider in the world, balancing passion with precision to deliver superior solutions for our clients. This is made possible by our peopleagile minds, able to see beyond the obvious and act effectively in an ever-changing global business landscape. As youll discover, our culture supports this. Diverse, international and shaped by a variety of different perspectives, were driven by a shared sense of purpose. At every level agile thinking is nurtured. And at every level agile minds are rewarded with competitive pay, support and opportunities to excel. Your key responsibilities Global Credit Analytics Team (GCAF) Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Experience/ understanding of Risk within the Financial Market / Investment Banking industry and In-depth understanding of other Risk measurement Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance Excellent communication skills, ability to articulate technical and financial topics with global stakeholders Problem-Solving and Critical Thinking A reliable team player with the motivation to work in a dynamic, international and diverse environment A committed and motivated individual and ability to multi-task and deliver under tight deadlines Soft Skills Ability to communicate effectively (oral & written) Strong analytical / business problem-solving skills Well organized & able to clearly present results of work Ability to manage own time Passion for change and confidence in own abilities Diligent, thorough, shows initiative and is proactive Self-motivated and pro-active team-player Eligibility: Should be eligible for Industrial Training as per the ICAI rules and regulations. How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have CA Graduate (Fresher/Experience)

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have CA Graduate (Fresher/Experience)

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

Role & responsibilities Credit Officer/ Credit Manager Preferred candidate profile Candidate should have home loan & LAP Credit experience

3.6 Area Credit Manager Business Vertical: Housing Line of Business: Credit Department: Credit Line Manager: Regional Credit Manager Designation: Area Credit Manager Grade: M4/M5 On the rolls of: TCHFL Location: No. of Positions: Job Dimensions Responsible for handling team: Yes Roles reporting into this role(Direct/Indirect): Contact or Interaction with: 1) Customers 2) Internal sales teams 3)Channel Partners 4) Builders Travel Required: Yes Position Type: Full time Process Owner: 1) Credit • • Credit Manager Credit Officer Job Purpose To underwrite mortgage business and manage the portfolio in assigned area • Responsibilities Core Responsibilities: o Support and co-partner with business teams to manage end to end credit approval for the designated region o Underwrite salaried SENP/SEP for retail and high value cases and present to senior level o Authorize deviations raised and documented by underwriters in compliance with credit policy. o Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. o Approve all disbursement requests on the basis of achieved adherence to requirements on LTV, agreement value, full documentation attainment at the branch level. o Monitor and oversee PDD management and ensure timely completion of personal discussion documents through customer visits in high value cases. o 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. o Co-ordinate with the recoveries team and generate business insights. o Lead a team of credit approvers to ensure portfolio quality and delinquencies. o 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 o Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. o Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. Interdependencies Functional Competencies Competency Beginner Intermediate Advance Expert Retail Credit Strategy & Policy Retail Credit Underwriting Retail Credit Systems and Process Retail Credit Monitoring & Portfolio Management Retail Credit Team and Vendor Management Job Qualifications Graduate : Yes Desired Experience: Minimum 6 to 8 years in the field. Other desired attributes: Masters/Postgraduate: Yes Certifications: CA Others : Back to Index TCHFL JD Booklet FY 2018-19 || 23

JOB ROLE • Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. • Verifying the promoters track record & ascertaining their credit worthiness. • Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position • To ensure Bounce Rate and Delinquency are within acceptable standards. • Monitor and enforce approval rate and TAT as per prescribed standards. • Monitor and ensure that monthly Branch audit score is satisfactory. • Vendor Management. • To conduct customer meeting to evaluate credit proposal • PDD Tracking and closure • Compliance to repayment instrument replenishment to ensure regular repayment of EMI KEY RESPONSIBILITIES Credit Decisions • Take sound lending decisions based on available information & interactions with the applicants. • Manage credit quality and control delinquencies, frauds. Monitoring Performance • Managing performance in terms of key drivers i.e. Loses / Portfolio quality parameters Cost of credit administration o Employee Productivity

Role & responsibilities Job Purpose: To manage and oversee the credit underwriting function for Loan Against Property (LAP) for the assigned region, ensuring high-quality credit appraisal, policy adherence, and portfolio health, while supporting business growth objectives. Key Responsibilities: Credit Appraisal & Underwriting: Evaluate and underwrite LAP proposals in line with company policy and risk appetite. Analyze borrower financials, property documents, market valuation, and credit bureau reports. Ensure timely processing of files to support business turnarounds. Team & Stakeholder Management: Manage and guide a team of credit officers/managers across the region. Collaborate with sales, operations, and legal teams to streamline the credit approval process. Conduct regular training and development sessions for the team. Policy Compliance & Risk Management: Ensure adherence to internal credit policies, regulatory guidelines, and audit requirements. Identify early warning signals and initiate corrective measures for high-risk accounts. Recommend modifications to credit policy based on regional portfolio performance. Portfolio Quality: Monitor disbursed portfolio quality through periodic reviews and field visits. Ensure healthy portfolio performance and minimize delinquency and NPAs. Conduct post-disbursement checks and field investigations where required. MIS & Reporting: Prepare and present region-wise credit reports, portfolio analysis, and risk metrics. Share actionable insights with senior management for strategic decisions. Preferred candidate profile Graduate/Postgraduate in Finance, Commerce, or a related field. CA/MBA preferred. 712 years of experience in credit underwriting, with strong exposure to LAP segment. In-depth knowledge of credit appraisal, property legal & technical evaluation, and risk analysis. Strong analytical, decision-making, and leadership skills. Regional market understanding and hands-on field experience preferred.

Credit Manager-Mass Market Designation: Credit Manager Grade: Senior Executive Reporting to: Area Credit Manager Location: Mumbai & Pune Function: Risk (Underwriting) Job Purpose: The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans Role: Credit assessment and underwriting of mortgage loan applications based on product and policy norms end to end from login to disbursal of loans Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials Disbursal of Mortgage Loans including all checks and verifications Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices In-person meetings and discussions with clients Responsible for maintaining the processing TAT Participate in and clear regular internal and external audits Vendor management, including quality monitoring Qualification & experience Years of experience :3 to 5 years preferred Mandatory Qualification :MBA in Finance Full time/CA Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills Ability to work in unstructured and evolving situations with an open mind Adhere to expected TAT without compromising on quality Work collaboratively with Sales and Operations team in the location to achieve strategic business goals Ability to understand customer needs and be responsive Technology skills understanding of and working with existing market technologies in the mortgage industry

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Adaptable and flexibleProblem-solving skillsAgility for quick learningAbility to work well in a teamCommitment to quality Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation