2199 Credit Analysis Jobs - Page 28

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.

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.

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.

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.

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

JOB DESCRIPTION Job Purpose This position is open with Bajaj Finance ltd.” Credit Analyst for Preparation of Credit Appraisal Memo (CAMs) and underwriting of corporates for Commercial Lending Vertical of Bajaj Finance Ltd. The job role includes analyzing the proposal in details including business model, Industry analysis, financial spreads, projections and risks and mitigants. An effective communicator with the ability to coordinate with internal & external stakeholders & relate to people at all levels of business and management. Duties and Responsibilities Preparation of Credit Appraisal Memo’s (CAM) covering details of financials, business, industry and management while maintaining quick TATs. •Understanding of financials and due diligence process for lending to be carried out as per the Lending programs for Commercial lending division of Bajaj Finance Limited •Thorough monitoring of accounts sourced, keep track on customer business and report any early warning signals and take appropriate actions as identified to ensure NIL delinquency in the Portfolio. •Ensure & review that the covenants & conditions as per sanctioned terms are regularly monitored. •Monitoring of the end user industries covering the existing and prospective portfolio and identify any early warning signals •Regular tracking of progress on the agreed key metrics towards delivering on the strategy. •Track developments in the respective markets and provide feedback to the management team Required Qualifications and Experience Educational Qualifications a)Qualifications CA/MBA in Finance b)Work Experience a)Minimum 2 years in the Corporate Lending industry, preferably with a reputed Bank / NBFC. b)Exposure in u/w for Corporate Clients would be preferred. Contact Person - MitaliSingh, 9699042721 HR Team Bajaj FinServ

Keyloop bridges the gap between dealers, manufacturers, technology suppliers and car buyers. We empower car dealers and manufacturers to fully embrace digital transformation. How? By creating innovative technology that makes selling cars better for our customers, and buying and owning cars better for theirs. We use cutting-edge technology to link our clients’ systems, departments and sites. We provide an open technology platform that’s shaping the industry for the future. We use data to help clients become more efficient, increase profitability and give more customers an amazing experience. Want to be part of it? Job Role & Responsibility: Experience of working in an admin role or a similar role Good communication and interpersonal abilities Excellent organisational skills Good knowledge of Microsoft tools – word, excel Be able to demonstrate a meticulous attention to detail Ability to work to strict timescales in a fast-paced environment and deadlines and prioritise work. Team player Be self-disciplined, reliable, and capable of working to set time frames Be able to communicate effectively on the phone if required Completing customer care responses within the required timescale Communicating / emailing the various documentation to Customers, internal staff as required Prepare and respond on any copy invoices, statement requests or basic customer queries To maintain good and effective working relationships with the Collections team Be highly self-motivated, able to work independently and within a close-knit team Why join us? We’re on a journey to become market leaders in our space – and with that comes some incredible opportunities. Collaborate and learn from industry experts from all over the globe. Work with game-changing products and services. Get the training and support you need to try new things, adapt to quick changes and explore different paths. Join Keyloop and progress your career, your way. An inclusive environment to thrive We’re committed to fostering an inclusive work environment. One that respects all dimensions of diversity. We promote an inclusive culture within our business, and we celebrate different employees and lifestyles – not just on key days, but every day. Be rewarded for your efforts We believe people should be paid based on their performance so our pay and benefits reflect this and are designed to attract the very best talent. We encourage everyone in our organisation to explore opportunities which enable them to grow their career through investment in their development but equally by working in a culture which fosters support and unbridled collaboration. Keyloop doesn’t require academic qualifications for this position. We select based on experience and potential, not credentials. We are also an equal opportunity employer committed to building a diverse and inclusive workforce. We value diversity and encourage candidates of all backgrounds to apply .

Underwriting of Loan Applications for Home Loans and Mortgage Loans from Salaried and Self Employed profile all branches of South India adhering to the policies and guidelines laid by the company. High levels of quality of underwriting to be maintained and applications to be processed within the prescribed timelines. To conduct Tele PD with Salaried as well as Self Employed customer and to understand about the profile of the salaried customer and understand about the business, his financials Ability to build high quality retail portfolio. Co-ordination with other internal verticals which includes Sales, Operations, Non CPU Credit Team at branches. Co-ordination and follow up with external vendors for PD reports, FI reports and to ensure reports are received and updated as per the timelines. Ability to understand the customer requirements and to structure the loan application best suited program according to the profiles. Ensure the successful adoption of internal compliances & regulatory framework across the business. Coordinate with internal audit and regulatory audit regarding their various requirements and address their concerns on aspects of credit policies and procedures and their implementation. Language proficiency in Kannada, Tamil and Malayalam is required mandatorily Role & responsibilities

Our esteemed buy-side client is currently looking for a highly skilled and experienced Analyst to join their Valuations Team, specializing in valuations of private companies. The ideal candidate will play a critical role in conducting valuations on private investments, updating valuations models, generating reports, and providing valuable insights. The successful candidate should have more than 4 years of experience in valuations and modeling, with a strong preference for candidates holding a CFA designation or currently pursuing the CFA program. Key Responsibilities: Conduct comprehensive valuation assessments of private equity investments, including venture capital, buyouts, and real estate assets. Develop, maintain, and enhance valuation models and methodologies tailored to specific asset classes. Collaborate with the Investment Team to assess and mitigate risks associated with existing investments. Perform due diligence on new investment opportunities, analyzing financial statements, market dynamics, and risk factors. Create and maintain complex financial models to estimate the value of investments, considering revenue projections and exit strategies. Monitor the financial performance of portfolio companies, track key performance indicators, and identify strategies for value enhancement. Prepare detailed valuation reports and presentations for internal and external stakeholders. Ensure compliance with industry standards, accounting regulations, and reporting requirements. Work closely with team members to ensure a coordinated approach to valuation and investment decisions. Requirements: Masters degree in Finance, Economics, Accounting, or a related field. Minimum of 4 years of experience in private equity valuations within the financial services industry. Strong proficiency in financial modeling, credit analysis, and data analysis. Demonstrated expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. Excellent analytical and problem-solving skills, with attention to detail. Candidates with a CFA designation or those actively pursuing the CFA program will be given preference. Advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools. Strong written and verbal communication skills for presenting complex financial information effectively. Proven ability to work independently and collaboratively in a fast-paced, dynamic environment.

Roles and Responsibilities Conduct credit analysis, appraisal, and assessment of loan applications within TAT. Perform pre-underwriting activities such as data verification, KYC checks, and collateral evaluation. Ensure compliance with regulatory requirements and internal policies during the entire loan processing cycle. Collaborate with sales teams to provide timely approvals and disbursements for customers' financial needs. Identify potential risks and escalate them to senior management for further review.

About Us Lantern Capital is a leading commercial finance company providing tailored equipment financing, business lending solutions, and commercial real estate (CRE) financing across Canada. We are committed to supporting the growth of Canadian businesses by offering flexible, strategic financial solutions across diverse industries and asset classes. We are currently seeking a skilled and analytical Associate Underwriter with commercial real estate underwriting experience to join our growing team. The ideal candidate will have a strong background in credit risk assessment, financial analysis, and reviewing appraisals, environmental reports, and other supporting documentation critical to CRE. Key Responsibilities Underwriting & Financial Analysis - Underwrite a variety of financing transactions, including commercial real estate - Conduct in-depth financial analysis and modeling (e.g., DCF, debt service coverage) to support credit decisions. - Evaluate borrower strength through financial statements, personal net worth, credit reports, and loan applications. - Prepare complete and well-supported underwriting packages and Deal Summaries for lender presentation. Real Estate & Asset Valuation - Review and assess third-party reports such as property appraisals, environmental assessments, and building condition reports. - Conduct independent valuation analysis and ensure assumptions align with market trends and internal benchmarks. - Collaborate with external appraisers and consultants to validate data and support sound credit conclusions. Credit Risk & Deal Structuring Identify and analyze transaction risks; recommend structures that align with internal credit policy and mitigate potential exposure. Propose terms and conditions that reflect both client needs and prudent risk management. Documentation & Reporting Draft comprehensive credit memos and lender presentations that clearly outline deal rationale and risk factors. Maintain detailed, organized records to support audit, compliance, and internal review standards. Ensure all pre- and post-funding conditions are met and documented. Communicate and collaborate with clients, lenders, appraisers, and external stakeholders to gather and validate underwriting data. Qualifications Must-Have Bachelor s degree in Finance, Accounting, or a related field. 2-4 years of experience in underwriting commercial real estate and/or commercial financing. Experience reviewing appraisals, environmental reports, and supporting third-party documentation. Strong financial modeling skills and comfort with complex loan structures and credit analysis. Proficient in Microsoft Excel and financial analysis tools. Preferred Professional designation (CA, CPA, CFA, or equivalent). Familiarity with real estate markets and commercial asset types. Experience working in a lending, investment, or credit-focused environment. Why Join Lantern Capital? Be part of a high-performing team in Canada s commercial finance industry. Competitive salary and professional growth opportunities. Work on diverse deals in commercial real estate financing. A collaborative, entrepreneurial culture where your insights make an impact. Salary range expectation: 9.5 LPA -11.5 LPA We appreciate and will review all qualifying applications. Only those applicants selected for interviews will be contacted. ",

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of central underwriting of HF & Mortgage loans Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the central credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the central credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of central credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 5-10 years of relevant experience in Central underwriting Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

ob description Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions Handle oversight & review of central underwriting of HF & Mortgage loans Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch Functionally manage the central credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets Mentor and guide the central credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of central credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability Should be willing to adapt to digital tools and processes Preferred candidate profile 5-10 years of relevant experience in Central underwriting Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility Role & responsibilities Interested candidates can apply on the link as below: https://piramalgroup.darwinbox.in/jobs/jobsdetailed/id/a650000ffb8da4/grp_company/a64507a9f13536/custom_source/naukri

Role & responsibilities Evaluate potential customers' credit worthiness Maintain detailed records of company loans Approve or reject loan requests from customers Calculate and set loan interest rates Monitor customers' loan payments Review and update the company's credit policy when necessary Create a credit scoring model to assess risks Preferred candidate profile Qualifications - Graduation/Post Graduation Years of Experience - 4 to 5 years in credit profile We are open for multiple locations in Gujarat - Ahmedabad Vadodara Jamnagar Mehsana Rajkot Surat Jamnagar Interested candidates may share CV at samiksha.shewale@piramal.com with subject CV for BCM (Preferred location)

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions. Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster. Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level. Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch. Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy. Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment. Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix. Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines. Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets. Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability. Should be willing to adapt to digital tools and processes. Preferred candidate profile Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate. 6-10 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions. Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster. Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level. Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch. Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy. Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment. Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix. Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines. Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets. Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability. Should be willing to adapt to digital tools and processes. Preferred candidate profile Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate. 6-10 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions. Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster. Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level. Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch. Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy. Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment. Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix. Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines. Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets. Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations. Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight. Assess the training and development needs of the team and continuously improve underwriting capability. Should be willing to adapt to digital tools and processes. Preferred candidate profile Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate. 6-10 years of relevant experience in Credit underwriting high value LAP Deep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if any Knowledge of local markets and trends in retail lending Deep experience & understanding of retail financial services across NBFCs, banking Ability to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Role Details Team/ Function Credlix/Credit Underwriting Location Mumbai Designation MT Credit Underwriting Role Related Skills Credit Underwriting Portfolio Monitoring Sectoral Research Reporting Reporting Manager AD/Director - Credlix Role Objective The incumbent will be expected to do perform credit underwriting, due diligence and monitoring of borrowers related to Supply Chain Finance – both domestic and export finance Role Responsibilities Assess the credit worthiness of borrowers by analyzing financial statements, CIBIL scores, GST, Bank statements, ITRs Familiar with working capital assessment methods, cash conversion cycles including MPBF Understanding various Business models and potential risk factors impacting their credit worthiness Visit the manufacturing facilities, understand the business and identify any red flags Coordinate with relationship managers and the company to fill any information gap Prepare credit appraisal memorandum and present to the credit committee for approval Adhere to the credit process and policy documents of the organization. Work with the team members to establish the best practices in line with industry standards Continuous monitoring of the existing portfolio and identify early warning signals including various macro parameters Qualification & Experience Essential/ Desirable Work Experience 0-1 years of experience in similar profile with a Bank, NBFC or a rating agency Essential Knowledge/ Skills Ownership driven - Ability to take ownership of all the borrower related communication and clarifications Essential Comfortable working in a high-growth and start-up-oriented environment Essential Willingness to set up things from scratch Desirable Excellent communication skills with an ability to make coherent arguments Essential Education CA - Essential

About this role About BlackRock BlackRock is one of the world s preeminent asset management firms and a premier provider of global investment management, risk management and advisory services to institutional, intermediary, and individual investors around the world. BlackRock offers a range of solutions from rigorous fundamental and quantitative active management approaches aimed at maximizing outperformance to highly efficient indexing strategies designed to gain broad exposure to the world s capital markets. Our clients can access our investment solutions through a variety of product structures, including individual and institutional separate accounts, mutual funds and other pooled investment vehicles, and the industry-leading iShares ETFs. About BlackRock US Municipals Group The Municipal Fixed Income business in BlackRock s Portfolio Management Group is one of the largest managers of municipal securities in the industry with over $180 billion of assets under management. The platform offers a broad array of investment choices including mandates dedicated to both taxable and tax-exempt bonds. BlackRock seeks an analyst to join a newly established Mumbai-based team working with dedicated Municipal Credit Research staff currently located in both Gurgaon and Princeton, New Jersey, USA. The analyst will have close daily interaction with a variety of senior investment professionals on the Municipals team. Position Overview: The responsibilities of a Municipal Credit Research Analyst include: Acquire and manage financial and economic data sets to build out the firm s municipal credit database and complete timely surveillance of existing bond positions Conduct fundamental credit analysis and provide written opinions on public municipal debt issuers across a variety of sectors including US State and Local Governments, Utilities, Transportation, Healthcare, and Higher Education Establish strong connections and collaborations with analysts, portfolio managers, data scientists, and other internal BlackRock stakeholders Develop connections with rating agencies and sell-side traders/analysts focused on the municipal market Qualifications: Undergraduate degree in Finance, Accounting, or a quantitative field Excellent written and oral communication skills 1-3 years fixed income market or credit research experience; knowledge of the municipal bond market preferred Ability to work during times that at least partially overlap with financial markets hours in eastern US (approximately 12:00-21:00 IST) Technical skills SQL, Python, VBA, or other programming languages are preferred Demonstrated knowledge of Microsoft Office suite Progress towards CFA designation Key Competencies: Proven experience working both independently and as part of a team in a highly collaborative, global environment Understanding of financial statements Solid communication and analytical skills Passion for financial markets Familiarity with statistical modeling, data visualizations, and project management is a plus We are looking for people who are: Tech-Savvy: You want to find new ways to outsmart the problem Curious: You love learning, and you have a self-starting personality Passionate: You own the work you do Open: You value and respect input from others and want to be part of a team Experimental: You learn from mistakes Our benefits . Our hybrid work model BlackRock s hybrid work model is designed to enable a culture of collaboration and apprenticeship that enriches the experience of our employees, while supporting flexibility for all. Employees are currently required to work at least 4 days in the office per week, with the flexibility to work from home 1 day a week. Some business groups may require more time in the office due to their roles and responsibilities. We remain focused on increasing the impactful moments that arise when we work together in person aligned with our commitment to performance and innovation. As a new joiner, you can count on this hybrid model to accelerate your learning and onboarding experience here at BlackRock. At BlackRock, we are all connected by one mission: to help more and more people experience financial well-being. Our clients, and the people they serve, are saving for retirement, paying for their children s educations, buying homes and starting businesses. Their investments also help to strengthen the global economy: support businesses small and large; finance infrastructure projects that connect and power cities; and facilitate innovations that drive progress. This mission would not be possible without our smartest investment the one we make in our employees. It s why we re dedicated to creating an environment where our colleagues feel welcomed, valued and supported with networks, benefits and development opportunities to help them thrive. For additional information on BlackRock, please visit @blackrock | Twitter: @blackrock | LinkedIn: www. linkedin. com/company/blackrock BlackRock is proud to be an Equal Opportunity Employer. We evaluate qualified applicants without regard to age, disability, family status, gender identity, race, religion, sex, sexual orientation and other protected attributes at law.

JOB OBJECTIVE: We are looking for a seasoned professional with deep experience in NBFC/FI credit assessment , securitization structuring , and transaction execution . The ideal candidate will bring a mix of analytical expertise and client-facing exposure, with a strong background in financial markets, credit ratings, and structured finance products. Location Mumbai Must have - NBFC/FI credit assessment , securitization structuring , and transaction execution. • Prior experience with credit rating agencies (CRISIL, ICRA, India Ratings) or similar analytical institutions Key Responsibilities (KRAs): • Product Sales: Drive sales and origination of structured finance products, including securitization, direct assignments, and other credit solutions for NBFCs and financial institutions. • Structuring & Execution: Lead the end-to-end structuring and execution of transactions including legal documentation, investor interactions, and coordination with rating agencies. • Client Engagement: Build and maintain strong relationships with CXOs and senior leadership across NBFCs, FIs, and private banks. • Credit Analysis: Evaluate credit risk for underlying pools and issuers, prepare investment notes and collaborate with internal risk and credit teams. • Market Intelligence: Track regulatory developments, rating methodologies, investor appetite, and competitive landscape in structured finance. • Cross-functional Coordination: Liaise with internal stakeholders legal, compliance, finance, and operations for smooth closure of transactions. Key Skills & Competencies: Deep understanding of securitisation structures (PTC, DA, covered bonds, etc.) Strong grasp of NBFC/FI credit fundamentals and capital markets Prior experience with credit rating agencies (CRISIL, ICRA, India Ratings) or similar analytical institutions Strong communication and presentation skills; ability to interact at CXO level Analytical mindset with ability to structure bespoke solutions Proven track record in transaction execution and deal closure Preferred Background: Experience in front-office roles at rating agencies, private banks, NBFCs, or investment banks CA/MBA/CFA or relevant professional qualification Familiarity with RBI guidelines on securitisation and credit risk transfer

Analyst - Corporate (Private Credit Ratings Team) The Team : Morningstar DBRS - Credit Operations Mumbai Analytics The Group: Morningstar DBRS (MDBRS) is a global credit ratings business with about 800 employees in eight offices globally. Formed through the acquisition of DBRS by Morningstar, Inc., the credit ratings business is the fourth-largest provider of credit ratings in the world. Morningstar DBRS is committed to empowering investor success, serving the market through leading-edge technology, and raising the bar for the industry. Morningstar DBRS is a market leader in Canada, the U.S. and Europe in multiple asset classes. Morningstar DBRS rates more than 4,000 issuers and 60,000 securities worldwide, and is driven to bring more clarity, diversity, and responsiveness to the ratings process. Visit: https: / / dbrs.morningstar.com / about to learn more. Credit Operations Mumbai Analytics team enables and supports the efficient and effective delivery of credit ratings/information to the market with its specialized skills and assets, consistent frameworks, and economies of scale. We collaborate with MDBRS global stakeholders to build creative, impactful solutions and offer services for the business and the market. The Role: Morningstar DBRS s Corporate team is looking for a motivated individual with good analytical skills and a desire to learn. This role will provide unique opportunities for learning key aspects of the credit ratings process including in-depth fundamental analysis of Corporate borrowers across multiple industries in support of analysts based in North America & Europe. You will be responsible for providing data, research and financial modeling support utilized to produce company and sector specific credit reports that incorporate creative insights and support activities across the ratings value chain. This position is based in our Navi Mumbai office. Key Responsibilities: Develop an understanding of and build proficiency in credit analysis Provide support to global analytical teams in monitoring news, announcements, or other material events impacting corporate credits Assist in preparing financial models, including, but not limited to, updating financial information, reconciling data, maintain company and peer group historical financial results and credit metrics, etc. Maintain industry data through ongoing research/ review of company filings, presentations, and industry publications Provide research support and help collect, organize, and analyze data from internal and external sources for use in company-specific and industry commentaries and reports authored by the global analytical team Review and summarize credit & legal documentation, etc. Assist the global analytical teams or senior analysts in preparing credit rating memos, rationales, etc. or parts thereof Track, review and maintain documentation and various operational databases to help support the credit rating process Ensure compliance with regulatory and company policies and procedures Requirements: Master s or Postgraduate in Management (Finance) or CA or CFA Level 3 or any such equivalent qualification Minimum of 2-3 years of relevant experience in capital markets, corporate credit analysis, analyzing credit risk of high yield or leveraged loan issuers, etc. or experience in auditing corporate financial statements at a nationally recognized accounting firm with CPA license Good understanding of core finance and accounting concepts Knowledge of U.S. GAAP and/ or IFRS accounting rules is strongly desired Robust quantitative and analytical skills supported by strong attention to detail and accuracy Fluent in English, with good verbal and written communication skills Highly motivated, self-starter who is keen to learn, has a positive attitude and a strong work ethic Ability to manage multiple tasks at the same time and deliver results in a timely manner Good inter-personal skills and ability to participate/ contribute as a team player Morningstar DBRS is an equal opportunity employer. Hybrid model - partial work from home option where employee will from Morningstar s Navi Mumbai offices 3 days a week (subject to change as per organizational directive). About Us Morningstar DBRS is a leading provider of independent rating services and opinions for corporate and sovereign entities, financial institutions, and project and structured finance instruments globally. Rating more than 4,000 issuers and 60,000 securities, it is one of the top four credit rating agencies in the world. Morningstar DBRS empowers investor success by bringing more transparency and a much-needed diversity of opinion in the credit rating industry. Our approach and size allow us to be nimble enough to respond to customers needs in their local markets, but large enough to provide the necessary expertise and resources they require. Market innovators choose to work with us because of our agility, tech-forward approach, and exceptional customer service. Morningstar DBRS is the next generation of credit ratings. If you receive and accept an offer from us, we require that personal and any related investments be disclosed confidentiality to our Compliance team (days vary by region). These investments will be reviewed to ensure they meet Code of Ethics requirements. If any conflicts of interest are identified, then you will be required to liquidate those holdings immediately. In addition, dependent on your department and location of work certain employee accounts must be held with an approved broker (for example all, U.S. employee accounts). If this applies and your account(s) are not with an approved broker, you will be required to move your holdings to an approved broker. Morningstar s hybrid work environment gives you the opportunity to work remotely and collaborate in-person each week. While some positions are available as fully remote, we ve found that we re at our best when we re purposely together on a regular basis, typically three days each week. A range of other benefits are also available to enhance flexibility as needs change. No matter where you are, you ll have tools and resources to engage meaningfully with your global colleagues. R11_DBRSRatingsGmbHIndia DBRS Ratings GmbH, Branch India Legal Entity

Wholesale Lending Services supports several lines of businesses that include Business Banking, Commercial Bank, Global Wealth Management, and Investment Bank. Located in globally, the Credit Monitoring Center of Excellence, within WLS, is a high-volume production-based operation function responsible for Credit Compliance Monitoring for the Commercial Banking Loan Portfolio. Job summary As a Credit Monitoring Quality Control Analyst for the Commercial Bank, you will be responsible for providing oversight of the Credit Monitoring team s work to ensure the Monitoring Analyst has accurately reviewed and recorded the compliance results in accordance with credit agreement terms of the borrower. In this role, you will review the work of Monitoring Analysts and provide a secondary interpretation of financial and other covenants in order to confirm whether borrowers are meeting the terms of the credit agreements or in default. The credit agreements cover syndicated loans and bilateral agreements. Job Responsibilities Enforcement of the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners Review the work of Credit Monitoring Analyst to determine if they correctly identified corporate borrowers that have breached covenants, and as a result, have defaulted on the terms of their credit agreements Provide explanations regarding issues identified to ensure proper correction and resolution Interpret credit agreements and other legal documents to determine which co-borrowers, guarantors and other parties to the agreements require set up in bank s system of record for future covenant compliance evaluation, to ensure the Credit Monitoring team has accurately setup the terms of the agreement in the tracking system. Perform credit analysis, review documentation and monitor ongoing compliance with financial covenants to validate the work of others Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements as a second check on Credit Monitoring Develop strong knowledge of secured lending products including borrowing base credit facilities Validate the grid-based performance pricing that applies to borrower so the bank gets adequately compensated for credit risk Monitor the control environment and operational environment for changes which may impact quality control testing Partner closely with key stakeholders to enforce effective quality program practices Required qualifications, skills and capabilities Bachelor s degree in Business/Accounting Minimum 2 years of experience in banking and/or doing financial analysis Experience in credit monitoring activities including but not limited to legal documentation review, financial covenants, credit analysis, cash flow and leverage ratio calculations Ability to identify and summarize key points in written reviews of credit-related transactions Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc. . Strong verbal & written communication to effectively communicate with various stakeholders and across levels Ability to work independently with minimum supervision including demonstration of good time management High proficiency in using MS Office tools including MS Excel Wholesale Lending Services supports several lines of businesses that include Business Banking, Commercial Bank, Global Wealth Management, and Investment Bank. Located in globally, the Credit Monitoring Center of Excellence, within WLS, is a high-volume production-based operation function responsible for Credit Compliance Monitoring for the Commercial Banking Loan Portfolio. Job summary As a Credit Monitoring Quality Control Analyst for the Commercial Bank, you will be responsible for providing oversight of the Credit Monitoring team s work to ensure the Monitoring Analyst has accurately reviewed and recorded the compliance results in accordance with credit agreement terms of the borrower. In this role, you will review the work of Monitoring Analysts and provide a secondary interpretation of financial and other covenants in order to confirm whether borrowers are meeting the terms of the credit agreements or in default. The credit agreements cover syndicated loans and bilateral agreements. Job Responsibilities Enforcement of the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners Review the work of Credit Monitoring Analyst to determine if they correctly identified corporate borrowers that have breached covenants, and as a result, have defaulted on the terms of their credit agreements Provide explanations regarding issues identified to ensure proper correction and resolution Interpret credit agreements and other legal documents to determine which co-borrowers, guarantors and other parties to the agreements require set up in bank s system of record for future covenant compliance evaluation, to ensure the Credit Monitoring team has accurately setup the terms of the agreement in the tracking system. Perform credit analysis, review documentation and monitor ongoing compliance with financial covenants to validate the work of others Independently calculate cash flow and leverage ratios in accordance with specific terms laid out in credit agreements as a second check on Credit Monitoring Develop strong knowledge of secured lending products including borrowing base credit facilities Validate the grid-based performance pricing that applies to borrower so the bank gets adequately compensated for credit risk Monitor the control environment and operational environment for changes which may impact quality control testing Partner closely with key stakeholders to enforce effective quality program practices Required qualifications, skills and capabilities Bachelor s degree in Business/Accounting Minimum 2 years of experience in banking and/or doing financial analysis Experience in credit monitoring activities including but not limited to legal documentation review, financial covenants, credit analysis, cash flow and leverage ratio calculations Ability to identify and summarize key points in written reviews of credit-related transactions Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc. . Strong verbal & written communication to effectively communicate with various stakeholders and across levels Ability to work independently with minimum supervision including demonstration of good time management High proficiency in using MS Office tools including MS Excel

We are seeking a results-driven and detail-oriented Credit Manager to join our dynamic team in Hyderabad. The ideal candidate will have 3–5 years of hands-on experience in credit assessment, risk evaluation, credit policy implementation.

Job Responsibilities: Monitor and manage accounts receivable to ensure timely payments. Contact clients with overdue accounts through phone, email, or letters. Negotiate payment terms and arrangements with customers as required. Maintain accurate and up-to-date customer account details in the system. Ensure customers adhere to agreed-upon credit terms and conditions. Prepare and deliver weekly/monthly reports on aging accounts and overdue invoices. Report on bad debt levels and take necessary actions to mitigate risks. Investigate and resolve customer disputes related to payments. Collaborate with sales and customer service teams to improve collections. Identify and escalate high-risk accounts for legal action or third-party involvement when necessary. Maintain comprehensive records of all communications and actions for each account. Skills & Knowledge: Proficiency in Tally and MS Office (Excel, PowerPoint). Strong understanding of credit control procedures and best practices. Ability to manage multiple accounts and work effectively under pressure. Excellent communication and negotiation skills. Proficiency in English (Good verbal and written skills).

• Product Sales: structured finance products • Structuring & Execution • Client Engagement: Build and maintain strong relationships with CXOs and senior leadership • Credit Analysis • Market Intelligence