2199 Credit Analysis Jobs - Page 31

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

Evaluate customer creditworthiness before granting credit. Establish clear credit terms (e.g., 30/60/90 days payment terms).Follow up with customers for on-time payments. Use financial reports, credit scores, and payment history to assess risks etc. Required Candidate profile JOB LOCATION IS WEST DELHI

TATA AIG General Insurance Company Limited is looking for Senior Manager - SME to join our dynamic team and embark on a rewarding career journey. Provide subject matter expertise in cloud engineering and operations. Develop and implement cloud infrastructure and solutions. Monitor and optimize cloud performance and reliability. Collaborate with cross-functional teams to integrate cloud solutions with existing systems. Ensure compliance with security and regulatory requirements. Prepare and present reports on cloud performance and recommendations for improvement.

Meet customers business premises and residence and conduct a detailed verifiaction. Proper credit assessment as per template and reporting to Credit Manager Conduct study on cash flow, ability to pay of customer with utmost intergrity. Gather all relevant information thru discussion & document to make a proper credit analysis.

Position: Credit Analyst As a Credit Analyst, you will play a critical role in evaluating the creditworthiness of borrowers, monitoring portfolio risk, and ensuring robust credit practices. This position offers a blend of hands-on portfolio management, credit assessment, and cross-functional collaboration with key teams such as Operations, Legal, Tech, and Compliance. Roles & Responsibilities: Conduct comprehensive credit analysis, including financial statements, cash flows, business performance, projections, and external data to assess creditworthiness. Prepare Credit Appraisal Memos (CAMs) and supporting documentation for internal and external stakeholders, including lenders. Monitor portfolio health and credit risk at both transaction and portfolio levels. Identify early warning signals (EWS) in borrower accounts and work with business teams to recommend mitigation strategies. Support the Operations team in updating credit policies and frameworks in line with risk appetite, profitability, and growth goals. Perform ad-hoc and deep-dive analysis to identify drivers of credit performance and recommend actions. Engage with internal stakeholders, including Operations, Legal, Audit, Compliance, and Tech, to ensure seamless credit lifecycle management. Stay updated on rural economic trends and assess their potential impact on credit risk and lending strategies. Participate in cross-functional discussions and contribute to high-quality credit decisions with a balanced risk-reward approach. Competencies: Strong analytical, financial, and business evaluation skills. Ability to conduct in-depth analyses of financial statements, GST, and operational data. Working knowledge of financial modelling, credit scoring, and portfolio analytics. Ability to work in a high-volume and fast-paced environment. Effective communicator with the ability to collaborate across functions and present complex ideas clearly. High attention to detail with a structured and data-driven problem-solving approach. Ability to deliver professional analyses on spreadsheets and presentations Qualification: CA or MBA in Finance from a reputed institute. 2-4 years of experience in credit evaluation, underwriting, or credit research, preferably in Banks, NBFCs, fintech, credit rating agencies, or mutual funds. Experience in conducting Credit Assessment of business loans in Banks, NBFCs, or fintech will be a strong advantage. Location: BKC, Mumbai Setup: Full-time work from office

: In Scope of Position based Promotions (INTERNAL only) Job Title Risk Specialist, A ssociate LocationMumbai, India Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments,news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

: Job Title Corporate Bank Financial Crime Risk, AVP LocationMumbai, India Role Description The Financial Crime Risk Management Function is a Global front office function within Corporate Bank Non-Financial Risk with the primary objective to support the Corporate Bank by focusing on holistic front-to-back risk management of Financial Crime Risk as part of the 1st Line of Defence. The CB NFR teams mandate is to identify non-financial risks such as regulatory, conduct and systemic risks, define mitigation processes for those risks, as well as to develop, implement and monitor Level 1 controls. In addition to working closely with the product, coverage and sales desks, the groups reach and interaction will be broad, including engagement within Corporate Bank (CB) and those functions forming the 2nd Line of Defence within the 3 Lines of Defence (3LoD) program. You will be in the Financial Crime Risk Management Function working as part of the India Desk. You may also participate in some of the cross-CB NFR projects from time to time. What well offer you 100% reimbursement under child care assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Contribute to Governance framework for relevant Financial Crime Risk (help setup and preparation for forums, information flow and tracking of action items and escalations to resolution). Support the execution of the dynamic risk framework and assurance of controls along internal requirements and minimum control standards; as well as identification, definition, and implementation of risk metrics to help measure and manage Financial Crime risk types across CB. Face-off to relevant 2LOD AFC team on upcoming regulatory and policy changes and support implementation of changes related to Financial Crime related policy/procedures across CB businesses. Produce and maintain relevant procedures covering CB division along with nuances for CB products and functions. Help run Governance Meetings, validate existing risk items, update progress status and work with relevant stakeholders on key risk items, mitigation factors adopted/ to be adopted. Execute on the findings book of work in CB for Financial Crime risk related items and appropriate MI/Reports. Participate in Global/regional projects and initiatives related to regulatory developments and policy changes affecting CB. Develop professional working relationships with colleagues, business and respective supporting teams. Your skills and experience At least 5 years of proven experience in non-financial risk management domain combined with strong knowledge of Corporate Bank business. Strong background/knowledge of Financial Crime risk topics balanced with Client Centricity. Experience of working with an interface to a regulator will be a Plus. Demonstrated experience in setting up Governance structures in Financial Crime Risk area. Excellent analytical, decision-making & problem-solving skills. Logical thinker with a strategic mindset and exceptional tactical execution skills Highly motivated to drive change, self-reliant, adaptable with a structured way of working with high willingness to take responsibility, and ability to deliver highest level of quality under time pressure. High appreciation as well as ability to formulate a fact based, independent and objective viewpoint; good presentation / communication skills sufficient to convey complex conceptual information / ideas on issues requiring interpretation and opinion and ability to interact effectively with stakeholders and line managers Team player with the ability to address ad-hoc requests, take on a significant amount of work across multiple tasks and topics; proven ability to work in a globally divers team; attention to detail and ability to prioritize workload Excellent English language skills. Excellent German language skills a Plus. Strong proficiency of MS Office (Excel, PowerPoint, Word) and understanding of relational database and reporting tools How well support you About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

: Job Title: Quantitative Risk Manager Financial Crime Risk Tooling LocationMumbai, India Corporate TitleVP Role Description Deutsche Banks Corporate Bank (CB) a market leader in Cash Management, Trade Finance & Lending, Securities Services and Trust & Agency Services. Focusing on the treasurers and finance departments of corporate and commercial clients and financial institutions across the globe, our universal expertise and global network allows us to offer truly integrated and effective solutions. Deutsche Bank (DB) is committed to managing its Anti-Money Laundering (AML) and Sanctions risk across all businesses and geographies to minimise its likelihood of use by criminals to facilitate financial crime or to launder the proceeds of criminal acts. DB achieves this through having: Defined financial crime risk appetite statement with clearly articulated statement of clients, countries and products DB is prepared to engage with in respect of AML and sanctions risk; Holistic and embedded financial crime framework where the front-to-back organisations work together to manage and mitigate AML and sanctions risk. This will have clearly articulated roles, responsibilities and accountabilities with appropriate committee structures enabled through the provision of risk-appropriate management information and clearly defined processes, controls and handoffs; Globally consistent approach to managing AML and sanctions risk using a defined AML and sanctions policy and client risk assessment methodology which, when applied, meets the AML and sanctions risk appetite of DB and enables DB to meet its global and local regulatory requirements; An appropriate culture embedded in DB and provide specific technical AML and sanctions training to enable employees to fully understand the AML and sanctions risks that they are responsible for managing; and Remediating the Know Your Customer (KYC) files for current client base to the defined standard. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities The Financial Crime Risk Management Function is a Global front office function within Corporate Bank Non-Financial Risk (CB NFR). The primary objective of the team is to support the Corporate Bank by creating a robust control framework embedded in the First Line of Defence (1LoD). The teams mandate is to identify non-financial risks such as regulatory, conduct and systemic risks, define mitigation processes for those risks, as well as to develop, implement and monitor Level 1 controls. In addition to working closely with the Product, Relationship & Transaction Management, Coverage and Sales teams, the groups reach and interaction will be broad, including engagement within Corporate Bank (CB), and with partners in the infrastructure functions in Second Line of Defence (2LoD) as well as Group Audit in Third Line of Defence (3LOD). You will be in the Corporate Bank Non-Financial Risk (CB NFR) Financial Crime Risk Management team which is responsible for ensuring risk is effectively managed through the use data completeness and tooling (Account Activity Reviews (AAR/ENPR), Client Risk Rating Management (CRRM), Transactional Behaviour Monitoring (TBM), Sanction Screening & Transactional Filtering). This position plays an integral role in the AML/KYC framework for all Business areas within the Corporate Bank. This role is to act as a Quantitative Risk manager for key CB Risk tools. To review and identify key control gaps with a view to enhance existing models through a data driven approach. Role responsibilities PMO responsible for driving and executing key change topics including findings on the book of work in CB for Financial Crime, including Sanctions, Client Risk Rating (CRR), Transactional Behaviour Monitoring (TBM) and Account Activity Review (AAR) risk related items, with responsibility for reporting/MI on the portfolio of findings. Drive engagement with relevant stakeholders on key risk items and track them to closure. Engage relevant 2LOD AFC team on upcoming regulatory and policy changes and implementation of changes related to Financial Crime Risk policy/procedures across CB businesses. Aid in proactively managing Audit/ CT&A findings and observations, acting as CB engagement support. Act as a Change Agent, supporting delivery of Financial Crime technical solutions, including coordinating Business Documents, User Acceptance Testing, Training and KOP. Procure and compile metrics for risk management. Drive/Participate in Data Analytics and MI generation to identify potential trends with a view to enhance existing risk models (AAR, CRR, TBM, Sanctions) through a data driven approach. Create concise material and proposals for senior management with an ability to influence and attain endorsement for change requests and present/face-off to both internal and external stakeholders. Your skills and experience 7+ years of experience in Regulated Financial Services organization. 5 years of experience in non-financial risk management domain covering Sanctions/KYC/AML (knowledge of Corporate banking business/products is advantageous). PMO with significant experience in coordinating change & transformation, ability to drive change independently and influence senior stakeholders with a focus on best servicing the business Strong leadership and management abilities to lead front-to-back risk remediation / regulatory programs and to engage with senior stakeholders across LOD. Ability to enrich and interpret large data sets (excel or otherwise) with a view to create meaningful overviews for senior management consumption. Very good research and analytical skills combined with a very good sense of risk awareness, attention to detail, accuracy, diligence, and the ability to deliver high quality results within tight deadlines. Moderate to advanced user of MS Excel and PowerPoint Highly motivated to drive change, self-reliant, adaptable with a structured way of working with high willingness to take responsibility, and ability to deliver highest level of quality under time pressure Excellent communication and presentation skills. Excellent analytical, decision-making and problem-solving skills. How well support you

Our esteemed buy-side client is currently looking for a highly skilled and experienced Analyst to join their Private Credit team, specializing in financial modeling of private companies. The ideal candidate will play a critical role in portfolio monitoring & surveillance and providing valuable insights. The successful candidate should have experience in credit financial modeling, with a strong preference for candidates holding a CFA designation or currently pursuing the CFA program. Key Responsibilities: Monitor financial performance and key performance indicators of portfolio companies Gathering business, financial data on borrower companies on a regular basis for consumption by investment team Presentation and write-ups support for investment team for internal and external meeting Financial reporting on portfolio companies on an ongoing basis Research support on an adhoc basis in supporting investment team needs in securing new business eg. market studies and research, market trends, Development of standardised info pack for each investment in the portfolio. Monthly management reporting and variance analysis Financial analysis, financial modelling, credit scoring assistance to investment team including scenario Analysis Development and maintenance of valuation models for all investments Monitor financial performance and key performance indicators of portfolio companies News and information search support for existing and potential investments Requirements: Master s degree in finance, accounting, or a related field. Experience in private credit. 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.

We are looking for a skilled professional to fill the role of Associate General Manager-TSD at PIRAMAL ENTERPRISES LTD, located in [location to be specified]. The ideal candidate will have a strong background in Biotechnology/Pharmaceutical/Clinical Research and 6-10 years of experience. Roles and Responsibility Develop and implement strategic plans to achieve business objectives. Lead cross-functional teams to drive growth and innovation. Collaborate with stakeholders to identify and mitigate risks. Analyze market trends and competitor activity to inform decisions. Build and maintain relationships with key customers and partners. Drive process improvements to increase efficiency and productivity. Job Requirements Proven track record of success in a similar role. Strong leadership and management skills. Excellent communication and interpersonal skills. Ability to analyze complex data and make informed decisions. Experience in change management and organizational development. Strong problem-solving and project management skills.

What you will work on: Experience in making CAM (Credit Assessment Memo) sheets and pulling consumer and commercial CIBIL reports Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money Ensure quick turnaround of customer loan applications, including credit analyses and summaries of loan requests, and submit to credit managers for tele PD / Physical PD Analyze lending decisions accept and reject cases on an ongoing basis Generate financial ratios to evaluate customers' financial status. The ideal candidate: Highly driven and motivated individual with ability to get hands-on where required Excellent communication and documentation skills Proficient in MS Excel and ability to prepare reports Qualification and Experience: At least 1-3 Years experience in Credit and Risk department of Banks, NBFCs Experience in Business Loans. Minimum qualification- Graduation MBA/ Credit Risk course in Banking will be an added advantage

We are looking for a highly skilled and experienced Associate Program Manager to join our team at eClerx Services Ltd. The ideal candidate will have 6-10 years of experience in the IT Services & Consulting industry, with expertise in program management. Roles and Responsibility Develop and implement comprehensive project plans to ensure successful execution. Collaborate with cross-functional teams to identify and mitigate risks. Analyze program performance data to inform decision-making. Manage and allocate resources to meet program goals. Foster strong relationships with stakeholders for effective communication. Identify opportunities for process improvements and recommend changes. Job Requirements Proven experience as a Program Manager or similar role. Strong understanding of IT Services & Consulting industry trends and best practices. Excellent leadership, communication, and problem-solving skills. Ability to work in a fast-paced environment and adapt to changing priorities. Strong analytical and decision-making skills. Experience with program management tools and technologies.

Key responsibilities: Support credit underwriting through detailed financial modeling, ratio analysis, and forecast building. Perform bottom-up analysis of company financial statements, capital structure, and liquidity Draft initial credit reports and background summaries based on deal information and reporting disclosures. Participate in case reviews by analyzing the business model, industry risks, and financial health Reconcile historical financials under IFRS, identify adjustments, and assist in alignment with deal templates Collaborate with lead analysts and onshore counterparts for data validation, clarification and memo finalization Handle recurring quarterly monitoring updates, including LTM vs. Q metrics and variance tracking Skill requirements: Proficient in corporate financial modeling and credit metrics analysis (interest coverage, leverage and DSCR etc.) Strong understanding of IFRS-based reporting, including EBITDA reconciliation and lease adjustments Ability to manage multiple cases independently with attention to accuracy and turnaround timelines Strong written and communication skills for clear drafting memo and stakeholder interaction Preferred: CFA level 2 cleared candidate Exposure to sector-agnostic environment Familiarity with leveraged loan and high-yield credit analysis

Roles and Responsibilities Manage credit proposals from sourcing to disbursement, ensuring timely decision-making and high-quality appraisal reports. Conduct thorough credit analysis, assessment, and evaluation of loan applications within defined policy guidelines. Develop strong relationships with customers through effective communication and negotiation skills. Collaborate with internal teams to resolve customer queries and issues related to loan processing. Ensure compliance with regulatory requirements, risk policies, and procedures. Desired Candidate Profile 5-10 years of Credit Underwriting experience in Unsecured Lending (Business Loans) or similar roles. Strong understanding of Credit Underwriting principles, practices, and regulations. Excellent analytical skills for conducting comprehensive credit assessments and evaluations. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share their updated resume to Maruthu.PandianP@Piramal.com or whatsapp - 7305615420

We are looking for a skilled professional with 5 to 15 years of experience to join our team as a Manager - Retail Credit - Housing - EM in Rajahmundry. Roles and Responsibility Manage and oversee the retail credit housing process, ensuring timely and efficient loan disbursement. Develop and implement strategies to enhance customer satisfaction and loyalty. Collaborate with cross-functional teams to achieve business objectives and goals. Analyze market trends and competitor activity to identify growth opportunities. Ensure compliance with regulatory requirements and internal policies. Lead and motivate a team of credit professionals to achieve sales targets and performance metrics. Job Requirements Minimum 5 years of experience in retail credit or related fields, preferably in banking or financial services. Strong knowledge of housing finance, mortgage loans, and related products. Excellent communication, leadership, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Experience working with electronic systems and software applications.

Open market sales of secured loan products (specifically LAP) Strong network/connections in the market Good understanding of the local area (local candidates preferred) Required Candidate profile 1+ year of experience in LAP Avg tenure: Over 1years in each organization or across the last three organizations. Good network in Market & Client Handling. Candidate must be currently employed

1. Meet customers business premises and residence and conduct a detailed verifiaction.2. Proper credit assessment as per template and reporting to Credit Manager3. Conduct study on cash flow, ability to pay of customer with utmost intergrity.4. Gather all relevant information thru discussion & document to make a proper credit analysis.

1. Meet customers business premises and residence and conduct a detailed verifiaction.2. Proper credit assessment as per template and reporting to Credit Manager3. Conduct study on cash flow, ability to pay of customer with utmost intergrity.4. Gather all relevant information thru discussion & document to make a proper credit analysis.

1.Company Name : Muthoot Fincorp Ltd. 2 Position/Designation : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS 3 Grade : C1 4 Department : SECURED & UNSECURED LENDING BUSINESS 5 Sub Department(if any) : CREDIT 6 Employment Type : Probationer Job Role : CREDIT OFFICER-SECURED & UNSECURED LENDING BUSINESS Reporting to - Designation and Grade : CREDIT MANAGER-SECURED & UNSECURED LENDING BUSINESS-D1 Main Tasks : 1. Meet customers business premises and residence and conduct a detailed verification. 2. Proper credit assessment as per template and reporting to Credit Manager 3. Conduct study on cash flow, ability to pay of customer with utmost integrity. 4. Gather all relevant information thru discussion & documents to make a proper credit analysis. 5 Areas of Responsibility : 1. Timely customer meetings. 2. 100% compliance to right credit underwriting procedures. 3. maintain TAT within product guidelines. 4. focus Delinquency triggers as per product norms. SkillSets : Unsecured Micro /small ticket /Biz loan credit experience. LAP credit experience. Communication Skills : Excellent communication Skills English language fluency - both verbal and written. Total Experience : 3Year(s)0 Month(s) Behavioural Competencies : Need to be a Team player Ability to work stretch/MultiTasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environments& live Organizational values.