2199 Credit Analysis Jobs - Page 25

We are looking for a highly motivated and detail-oriented Credit Analyst with hands-on experience in financial modeling and fundraising for real estate projects. This role is crucial in evaluating project viability, supporting funding efforts, and collaborating with lenders and investors. The ideal candidate should possess a strong understanding of real estate finance, credit risk, and project evaluation frameworks. Key Responsibilities: Financial Modeling & Analysis Build and manage comprehensive financial models for real estate projects, including revenue forecasts, cost estimations, cash flow projections, IRR, ROI, and break-even analysis. Conduct scenario and sensitivity analyses to assess the financial health and viability of projects under varying conditions. Credit Assessment Perform credit analysis for the company and individual projects. Evaluate financial statements, assess debt-servicing capacity, and prepare credit notes for internal and external stakeholders. Fundraising & Investor Collateral Prepare detailed Information Memorandums (IMs) , investor presentations, teasers, and loan proposals tailored for banks, NBFCs, and private investors. Support due diligence processes and respond to investor queries. Liaison with Lenders Engage with banks, NBFCs, rating agencies, and institutional investors for fundraising initiatives. Facilitate documentation, compliance, and disbursement processes in coordination with legal and finance teams. Project Feasibility & Evaluation Conduct project-level feasibility assessments, incorporating factors like sales velocity, construction timeline, funding requirements, and regulatory implications. Support decision-making on new launches, land acquisition, and joint development opportunities. Market Research & Benchmarking Track real estate funding trends, benchmark debt/equity structures, and monitor market-based interest rates and financial covenants. Stay updated on RERA and regulatory developments affecting funding strategies. MIS & Reporting Maintain dashboards and reports on fundraising status, loan covenants, disbursement schedules, and financial metrics. Provide timely updates to senior management on project financials and funding pipelines. Qualifications & Requirements: Bachelors or Masters degree in Finance, Accounting, Economics, or a related field (CA or MBA Finance preferred). 3 to 5 years of relevant experience in credit analysis, financial modeling, or project finance, preferably within the real estate or infrastructure sectors. Advanced proficiency in Excel and financial modeling. Strong analytical and problem-solving skills with a good understanding of project finance concepts. Effective communication and presentation skills, with the ability to work independently and manage multiple priorities. Preferred Skills Prior experience in real estate project modeling, including sales-linked inflows, construction-linked outflows, and structured drawdowns. Familiarity with lender expectations, term sheets, and financing instruments. Working knowledge of RERA, stamp duty regulations, and real estate-specific financial nuances

Are you ready to join our digital revolution journey? At Aleph, we re not just part of the digital advertising landscape we re shaping its future. Representing the world s leading platforms, including TikTok, Amazon, Google, and nearly 55 others, we operate in 130+ markets across new and existing geographies. Our mission is to empower advertisers and brands to unlock the full potential of these platforms advertising capabilities. By fostering long-lasting partnerships, we create limitless opportunities for people and businesses to advertise effectively at both local and global levels. With a presence spanning continents, Aleph offers you the chance to be part of a fast-growing, innovative team where your work makes a direct impact. If you re ambitious, forward-thinking, and eager to thrive in a dynamic, global environment, Aleph is the perfect place to build your career. Overseeing billing and collections for APAC and CIS region by serving as point person for coordination of day to day matters with finance teams in the market. This role will be responsible for APAC and CIS A/R balances by initiating direct contact with the clients in those regions. In addition, they will manage the coordination of A/R information with APAC and CIS offices who directly handle Billing & Collections in India, Indonesia, Malaysia, Myanmar, Cambodia, Laos, Bangladesh, Cyprus, Kazakhstan and Azerbaijan. What youll be doing: 50% Accounts Receivable Assess and establish credit limits according to corporate policy and assign payment terms. Maintain proper documentation in all credit files to ensure that the Record Retention and Internal Audit policies and procedures are followed. Monthly review of the Aging to include direct follow up of A/R status with all regions Monthly calls and visits to agencies and reps to inquire on remittance status to ensure our cash flow levels are adequately maintained Monitor proper allocation of cash receipts and related reporting such as cash apps and wire instructions Preparation of management reports with A/R status including monthly highlights and challenges for all markets Preparation of aging reports, bad debt analysis, agency incentive analysis, cash forecasts, collections status, and other miscellaneous reports as needed. Interface closely with Ad Sales, Client Services personnel, and external and internal departments to analyze, collect, and reconcile all accounts for collection. 50% Credit Analysis Evaluating the creditworthiness of potential customers. Creating credit scoring models for risk assessments. Approving and rejecting credit to clients based on available data. Negotiating the terms of payments with new clients. Ensuring all credits and payment terms comply with internal policy. Maintaining records of all credit records. Monitoring debt payments and bad debts. Reviewing and updating the company s credit policy. What will make you a good fit for this role: Bachelor s degree in finance, Accounting, Business Administration, or a related field. Professional certification (e.g., ACCA, CIMA) is a plus. Proven experience as a Credit Controller, with a minimum of 3 years experience. Strong understanding of credit control processes, financial analysis, and risk management. Excellent communication and negotiation skills. Good English proficiency in both written and oral is required. Proficiency in accounting software and Microsoft Office Suite (Excel, Word, PowerPoint). Detail-oriented with strong analytical skills. Proactive and able to work under pressure. Strong problem-solving abilities and a customer-focused approach. High level of integrity and professionalism. #ALEPH Why Join Us? Aleph is a place of many cultures, perspectives, and talents. We support each other, creating an environment of giving and receiving. We value partnership and communication because we believe it takes a group of people to achieve great things. We are energized by our ever-changing industry, our curiosity keeps us learning and seeking out new opportunities. We stay flexible and adaptable, and believe in moving with the speed of change. We encourage everyone to strive for more, providing our internal talent with growth opportunities and the ability to learn together. Share our similarities, celebrate our differences. - M. Scott Peck #ALEPH

Project Manager

This role will be responsible for APAC and CIS A/R balances by initiating direct contact with the clients in those regions. In addition, they will manage the coordination of A/R information with APAC and CIS offices who directly handle Billing & Collections in India, Indonesia, Malaysia, Myanmar, Cambodia, Laos, Bangladesh, Cyprus, Kazakhstan and Azerbaijan. What youll be doing: 50% Accounts Receivable Assess and establish credit limits according to corporate policy and assign payment terms. Maintain proper documentation in all credit files to ensure that the Record Retention and Internal Audit policies and procedures are followed. Monthly review of the Aging to include direct follow up of A/R status with all regions Monthly calls and visits to agencies and reps to inquire on remittance status to ensure our cash flow levels are adequately maintained Monitor proper allocation of cash receipts and related reporting such as cash apps and wire instructions Preparation of management reports with A/R status including monthly highlights and challenges for all markets Preparation of aging reports, bad debt analysis, agency incentive analysis, cash forecasts, collections status, and other miscellaneous reports as needed. Interface closely with Ad Sales, Client Services personnel, and external and internal departments to analyze, collect, and reconcile all accounts for collection. 50% Credit Analysis Evaluating the creditworthiness of potential customers. Creating credit scoring models for risk assessments. Approving and rejecting credit to clients based on available data. Negotiating the terms of payments with new clients. Ensuring all credits and payment terms comply with internal policy. Maintaining records of all credit records. Monitoring debt payments and bad debts. Reviewing and updating the company s credit policy. What will make you a good fit for this role: Bachelor s degree in finance, Accounting, Business Administration, or a related field. Professional certification (e.g., ACCA, CIMA) is a plus. Proven experience as a Credit Controller, with a minimum of 3 years experience. Strong understanding of credit control processes, financial analysis, and risk management. Excellent communication and negotiation skills. Good English proficiency in both written and oral is required. Proficiency in accounting software and Microsoft Office Suite (Excel, Word, PowerPoint). Detail-oriented with strong analytical skills. Proactive and able to work under pressure. Strong problem-solving abilities and a customer-focused approach. High level of integrity and professionalism.

KEY ROLES & RESPONSIBILITIES The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions. Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Other activities include preparing industry databases and reports. Preparing a detailed peer analysis on the operating and financial side. Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances. Assist ADs/Director on pilot assignments and prepare collaterals. Engage with client teams proactively and suggest new ideas to enhance client engagement Support the client with any ad-hoc research requests including sector research Responsible for process initiatives and quality improvements of the team. Content review, mentor and train new hires in the team FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics. Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Willingness to be fungible across sectors and regions. Excellent report writing and communication skills. Ability to identify key characteristics and drivers of sectors assigned. Credit assessment and analysis (or financial analysis), including business, financial and management profiling. Experience in portfolio monitoring and credit analysis Good understanding of banking regulations, calculation of key credit metrics and capital ratios Reasonable understanding of banks internal systems PROBLEM SOLVING Identifies and resolves complex research issues and team problems Assist in solving complex problems related to financial modeling INTERACTIONS Team player and good team handling skills Excellent client management skills TYPICAL SCOPE & IMPACT Impacts the quality and effectiveness of own team MINIMUM & PREFERRED EDUCATION MBA or CA or Master s degree preferred; CFA certification is a plus MINIMUM & PREFERRED EXPERIENCE / SKILLS 6 to 10 years of work experience High level of attention to detail and accuracy; Diligence and hard work Ability to work under stringent timelines Prior experience in credit research or credit risk assessment along with report writing experience is mandatory. Prior experience in GenAI, people and content management are a plus Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Good understanding of MS office products

Business Function Corporate and Investment Banking provides corporate customers with a full range of commercial banking products and services, including cash management services, current accounts, time deposits, trade finance, working capital finance, term loans and foreign exchange. Through our continued commitment, DBS has cultivated long-standing relationships with its customers in the region that are based on account relationship management, service differentiation, product development and rigorous credit standards. Job Purpose To support Relationship Management teams in the following activities, Preparation and submission of Credit Memos to Credit team for FIG including Micro Finance & NBFC clients Completion of documentation formalities in coordination with the client & CCU Assisting RM in completing client onboarding/KYC reviews Follow up for regularization of overdues Client servicing in coordination with internal units. Highlighting any early warning signs of the portfolio to the RMs Manage the existing portfolio of all clients for the designated relationship teams as well as explore opportunities for cross sell of other banking products and help the team in detecting early warning signals in their portfolios. Key Accountabilities- To prepare accurate credit proposals in a consistent, concise and lucid manner. To maintain close working relationship with Business Unit to ensure that IBG deliverables are met. Need-based meeting with customers to understand business and attendant risks. Cross sell of other products such as trade, cash, Fx etc. To monitor portfolio for irregularities/ excesses/ breaches/ delays. Ensure all regulatory reporting & compliances are enforced. Work with the legal team to ensure recoveries & minimize bad debts & NPAs. Also ensure assistance to external & internal audits. Ensure customer retention & increase in wallet share by constantly monitoring customer satisfaction levels through detailed MIS & tracking of operations & complaints. Control the quality of the portfolio, using available triggers and adherence to Risk management guidelines and policies. Monitor levels of complaints and quality of handling. Communicateall key messages to customers including agreed service standards, negotiated pricing, relationship team contact points (including introductions to new personnel) and new product changes. Monitor and ensure adherence to risk service standards Job Duties & Responsibilities Preparing spreads which are consistent, error-free and in line with classification parameters used in DBS. Providing concise and relevant financial analysis by clearly identifying risks. Ensure reviews are completed prior to due date and are error free. Interact and follow up with clients on required information and clarifications. Adhere to the risk management guidelines of DBS, MAS and RBI. Ensuring that irregularities/ excesses in the portfolio are kept within control. Develop and maintain a detailed knowledge of industry sectors within the customer portfolio. Control and manage the risk profile for the overall Team portfolio. Manage performance against key financial (risk-adjusted contribution) sales, service and operational targets. Develop Account Relationship Plans for customers in portfolio. Required Experience Experience in CAM writing, preferably having experience with credit analysis of FI clients banks, NBFC and Insurance Cos. A few years of sales experience in cash management/trade finance would be added advantage Knowledge of competitors and market Market knowledge and experience in the IBG 1/2 segment, with reference to customer preferences and requirement would be prefereable. Education An MBA or CA with relevant number of years of experience in Corporate Banking / FIG Core Competencies Good written and verbal communication skills Good Analytical skills. Self-driven and highly ambitious Results-orientated & the ability to handle pressure Relationship building & management skills Understanding of competitor products Comfortable with tight deadlines Technical Competencies Sound understanding of asset products and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical. Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients Work Relationship Close interaction with RMs / Branch Manager to ensure consistent on boarding of good quality customers and thereby assisting in delivery of Sales targets. Close interaction with various stakeholders to ensure consistent and reliable service delivery to the customer. DBS India - Culture & Behaviors DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: Demonstrate Business Performance through PRIDE 2.0 Value Based Propositions Ensure Customer Focus by Delighting Customers & Reduce Complaints Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement Maintain the Highest Standards of Honesty and Integrity

Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: Collaborate with clients to monitor investment transactions across multiple asset classes. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. Supervise and lead a team of financial analysts. Conduct financial statement analysis and review loan agreements. Requirements: Advanced proficiency in MS Excel. Superior communication skills written, verbal, and interpersonal. Bachelor's degree/MBA/advanced degree in finance. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: Opportunity to work with a leading financial services firm. Dynamic and growth-oriented work environment. Exposure to a variety of asset classes and geographies. Leadership and team management experience. Competitive compensation and benefits package.

Summary: We are seeking a skilled and experienced Manager to join our growing Portfolio Management Group. The primary responsibility of this role is to work closely with clients to monitor the performance of financing transactions across various asset classes in structured finance, covering different geographies. The ideal candidate will possess strong technical skills and a holistic understanding of the commercial lending domain. Your Future Employer: A leading financial services firm known for its expertise in structured finance and investment banking. The company provides a dynamic and growth-oriented environment for professionals looking to advance their careers. Responsibilities: Collaborate with clients to monitor investment transactions across multiple asset classes. Demonstrate a solid understanding of commercial lending processes, particularly corporate loans. Manage the financial spreading and covenant monitoring processes, ensuring accuracy and compliance. Supervise and lead a team of financial analysts. Conduct financial statement analysis and review loan agreements. Requirements: Advanced proficiency in MS Excel. Superior communication skills written, verbal, and interpersonal. Bachelor's degree/MBA/advanced degree in finance. Extensive experience in credit analysis/financial spreading or a similar role, with at least 1-2 years in a leadership position. What is in it for you: Opportunity to work with a leading financial services firm. Dynamic and growth-oriented work environment. Exposure to a variety of asset classes and geographies. Leadership and team management experience. Competitive compensation and benefits package.

Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions. Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Ability to work under pressure Should have problem Solving Skill Location- Mumbai,Delhi,Pune,Bengaluru,Hyderabad,Chennai

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Card 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.Review the dispute claim to determine the authenticity of the card chargeback claim and honor the request as per regulation E. What are we looking for Adaptable and flexibleCommitment to qualityPrioritization of workloadResults orientationStrong analytical skills 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

Strong understanding of core finance and accounting concepts. Excellent report writing and communication skills. High level of attention to detail and accuracy Ability to communicate analytical thoughts in a crisp, concise and precise manner. Should be able to independently assess counterparties without relying on readily available research. Willingness to operate independently and as a professional meet agreed upon timelines. Prior experience in fundamental analysis of financial institutions is mandatory. An understanding of global banking regulations would be preferable.

PaisaBuddy is looking for Zonal Credit Manager / Regional Credit Manager - [Credit & Risk - Wheels] to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

PaisaBuddy is looking for Area Credit Manager - [Credit & Risk - Wheels] to join our dynamic team and embark on a rewarding career journey Credit Risk Assessment:Evaluate the creditworthiness of new and existing customers Analyze financial statements, credit reports, and other relevant information to determine credit limits Credit Policy Development:Develop and implement credit policies and procedures in line with company objectives Ensure compliance with legal and regulatory requirements related to credit management Credit Limit Determination:Set appropriate credit limits for customers based on risk analysis Periodically review and adjust credit limits as needed Customer Relationship Management:Collaborate with sales and customer service teams to understand customer needs and payment terms Communicate credit decisions and policies to internal and external stakeholders Collections Management:Monitor accounts receivable and aging reports to identify overdue payments Implement and manage collections strategies to minimize delinquencies Dispute Resolution:Investigate and resolve disputes related to billing and collections Collaborate with sales and customer service to address customer concerns and facilitate prompt resolution Reporting and Analysis:Prepare regular reports on credit and collections performance Analyze trends and provide insights to senior management Credit Training:Provide training to internal teams on credit policies, risk assessment, and collections procedures Stay informed about industry best practices and changes in credit-related regulations Credit Portfolio Management:Manage the overall credit portfolio for the assigned area Develop strategies to optimize the balance between risk and revenue

PaisaBuddy is looking for Branch Credit Manager - [Credit & Risk - Wheels] to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

PaisaBuddy is looking for Credit Manager- [Credit - Solar Finance] to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location : - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations. Location : - Mumbai , Delhi , Pune , Bangalore , Hyderabad , Chennai

Good experience in credit monitoring - financial modelling and credit risk assessment memos Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology.

Credit Process Associate / Credit Underwriter Location: Bangalore Experience: 1-3 years Qualification: Bachelor's/Masters degree in Finance, Accounting, Economics, or a related field Job Responsibilities: Analyze financial statements, credit reports, and other relevant documents to assess creditworthiness. Conduct risk assessments and determine credit limits for loan applicants. • Evaluate applications based on predefined credit policies and regulatory guidelines. Collaborate with sales teams, risk teams, and other stakeholders to streamline credit decision-making. Monitor borrower profiles and maintain updated records of credit approvals. • Identify potential risks and recommend risk mitigation strategies. • Ensure compliance with company policies, regulatory requirements, and industry standards. Work on automation tools and credit scoring models for efficiency improvement. • Prepare detailed reports on creditworthiness, approvals, and rejections. Skills & Qualifications: Strong analytical and financial assessment skills. Knowledge of credit policies, financial ratios, and lending principles. Proficiency in financial modeling and risk assessment tools. Good communication and decision-making abilities. Experience with credit assessment software and databases (preferred) Interested and experienced candidates can apply by: Call/WhatsApp: 9205488912 (Pragati) Email: pragti.saxena@cielhr.com

Senior Associate/Team Lead/Assistant Manager- Credit Analyst (Financial Spreading Candidate Specification & Job Responsibilities Candidate should have 2+ years of experience in Credit analysis Financial Spreading & Moody Credit lens Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement Balance Sheet & cash flow of public & private companies for the credit appraisal process.Calculating the Adjusted Net Worth Recurring Cash Flows Annual Debt Service Contingent Liabilities Custom Ratios and other financial metrics.Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting.Must be flexible with shifts Contact Person - Supraja Contact Number-9840937225 Email id-supraja@gojobs.biz

About A One Advisory: A One Advisory is a leading finance consulting firm specializing in credit rating advisory and financial consultancy. Established by first-generation entrepreneurs with over 30 years of experience in the finance industry, the firm has successfully executed over 2,000 assignments. Role Overview: We are seeking a seasoned Senior Credit Analyst to lead our credit analysis team. This role involves overseeing financial assessments, guiding analytical processes and ensuring comprehensive credit evaluations for our clients. Key Responsibilities: Team Leadership: Manage and mentor a team of associate credit analysts, fostering a collaborative and high-performance environment. Financial Analysis: Conduct in-depth analysis of balance sheets, profit and loss statements, cash flow statements and notes to accounts to assess financial health. Ratio Analysis: Evaluate key financial ratios, including liquidity, solvency and profitability to determine company strength and creditworthiness. Client Engagement: Engage with company promoters to gain insights into business operations and performance relative to industry benchmarks. Report Preparation: Guide the analytical team in preparing detailed rating notes, ensuring accuracy and compliance with industry standards. Rating Process Management: Oversee end-to-end interactions with rating agencies, ensuring timely and accurate completion of the rating process. Qualifications: MBA in Finance or CA. Good communication, analytical & problem solving skills. 3-5 years in credit analysis, with at least 1 year in a leadership role managing a team.

Role & responsibilities To assess, evaluate review and approve credit proposals as a first level officer for the Wholesale Banking relationships which is referred to wholesale credit involving various products like Term Loans, Trade Finance, CC, ODs and PSR Complete ownership of assigned portfolio of accounts including regular monitoring, early warning identifications, deferral tracking and working on appropriate account strategy in conjunction with Business teams in line with the banks risk appetite Partner with business, CAD, Operations and compliance teams to help in meeting regulatory compliance with respect to credit dispensation and monitoring including end use. To convey a clear opinion regarding the acceptability of the proposed transaction/ facilities, from risk point of view, covering business model, industry risk, structure, financial risk & regulations Meet business counterparts on a defined periodicity (monthly or otherwise) for reviewing Early Warning Signals and Close Monitoring. Focused house-keeping which involves follow up on clearing deferrals/ overdue/delays appearing in daily MIS circulated by Operations team. To partner with business, CAD and operations and compliance To help review end use monitoring on defined periodicity (to be covered on a quarterly basis). To address issues/ responding to RBI auditors on credit matters. Appropriate level of client calling to develop strong understanding of client business and industry dynamics Preferred candidate profile Strong technical & analytical skills. Strong written and verbal communication & negotiating skills Expert knowledge in analyzing financial statements. Banking Product & Process Knowledge Understanding of accounting principles, banking & commercial laws and Regulatory Knowledge Excellent knowledge of competition & current trends in financial Industry .

KEY ROLES & RESPONSIBILITIES The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions. Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Other activities include preparing industry databases and reports. Preparing a detailed peer analysis on the operating and financial side. Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances. Assist ADs/Director on pilot assignments and prepare collaterals. Engage with client teams proactively and suggest new ideas to enhance client engagement Support the client with any ad-hoc research requests including sector research Responsible for process initiatives and quality improvements of the team. Content review, mentor and train new hires in the team FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics. Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Willingness to be fungible across sectors and regions. Excellent report writing and communication skills. Ability to identify key characteristics and drivers of sectors assigned. Credit assessment and analysis (or financial analysis), including business, financial and management profiling. Experience in portfolio monitoring and credit analysis Good understanding of banking regulations, calculation of key credit metrics and capital ratios Reasonable understanding of banks internal systems PROBLEM SOLVING Identifies and resolves complex research issues and team problems Assist in solving complex problems related to financial modeling INTERACTIONS Team player and good team handling skills Excellent client management skills TYPICAL SCOPE & IMPACT Impacts the quality and effectiveness of own team MINIMUM & PREFERRED EDUCATION MBA or CA or Master’s degree preferred; CFA certification is a plus MINIMUM & PREFERRED EXPERIENCE / SKILLS 6 to 10 years of work experience High level of attention to detail and accuracy; Diligence and hard work Ability to work under stringent timelines Prior experience in credit research or credit risk assessment along with report writing experience is mandatory. Prior experience in GenAI, people and content management are a plus Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Good understanding of MS office products

for Payroll Operations Associate Position Title:Payroll Operation Associate CL -12 Location: Bangalore Employment Type: Full Time Must have skills : Payroll Processing Good to have skills : India Payroll About CF/S&C Corporate Functions include Human Resources, Finance, Legal, Marketing Communications, and Workplace Solutionsthat power Accenture's people across industries and functions to keep our business leading in the New. Join the heart and soul of Accenture, partnering with our extraordinary people to bring innovation into every organization. About Accenture: Combining unmatched experience and specialized skills across more than 40 industries, the company offers Strategy and Consulting, Song (Interactive), Technology and Operations servicesall powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. With net revenues of $64 billion for 2023, their 774,000+ employees deliver on the promise of technology and human ingenuity every day, serving clients in more than 49 countries and over 200 cities. Job Summary : It involves handling various payroll-related tasks. This includes managing payroll processing, ensuring compliance with statutory requirements, and handling individual tax and social security contributions. The role also requires good technical aptitude in payroll, finance, and systems, as well as knowledge of India Payroll. Roles & Responsibilities: India Payroll Knowledge Sound Knowledge of Payroll Processing, Good technical aptitude (Payroll, Finance, Systems) Individual Tax, What is Gratuity and eligibility Leave encashment. What is Provident Fund What is ESI. Latest Tax updates. Handling Payroll queries and Induction. Job Qualification: Additional Information: - The ideal candidate will possess a strong educational background in commerce or a related field, along with good knowledge and experience in relevant countries Payroll processing. This position is based at our Bengaluru office. About Our Company | Accenture Qualification Experience: Minimum 2 year(s) of experience is required Educational Qualification: B.com

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-3 years of experience in the BFSI industry. Roles and Responsibility Manage credit operations, including loan processing and disbursement. Develop and implement effective credit policies and procedures. Conduct thorough credit assessments and risk analyses. Build strong relationships with customers and stakeholders. Monitor and report on credit performance metrics. Collaborate with cross-functional teams to achieve business objectives. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Experience with credit management software and systems. Strong attention to detail and organizational skills.