2193 Credit Analysis Jobs - Page 5

Requirements from Candidate Candidate should be from Tier 1 B-school with excellent academic background 5-8 years of experience in credit analysis, financial modelling, risk assessment in an organization of repute Excellent written and verbal communication skills Strong client management skills, with the ability to build and maintain relationships with key stakeholders Ability to work in a fast-paced environment, with strong analytical and problem-solving skills Strong understanding of financial markets, instruments, and regulatory frameworks Job Role Description Analyze Company s financial performance, including past financial and business performance, benchmarking against peers, and projecting future performance Independently undertake rigorous credit risk analysis, encompassing industry/business research and financial analysis of various large corporates Prepare rating reports that cogently capture the rationale behind the rating Ensure adherence to timelines and maintain high-quality analytics and presentations Manage client relationships, discuss with key management personnel, and communicate final ratings Make presentations to the Rating Committee and respond to questions/provide clarifications in support of the rating recommendation Work on franchise building activities, including but not limited to Sectoral Press Releases, Webinar presentations, thought leadership pieces and Industry conferences Ensure adherence and compliance with regulatory frameworks Collaborate with internal stakeholders, including research teams, to stay updated on market trends and developments Eventually manage a small team of Analysts/Senior Rating Analysts, ensuring quality and regulatory compliance of the team, and providing guidance and mentorship to team members

Embark on a transformative journey as a FI Credit Risk Officer at Barclays, where youll spearhead the evolution of our digital landscape, driving innovation and excellence. Youll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. Member of the Risk Centre of excellence credit Sanctioning team which is responsible for credit risk analysis, monitoring and limits administration for Financial Institution counterparties of Barclays. Engage and motivate a diverse team of analysts to deliver strategic, individual and operational business objectives/targets. Ensure target achievement adhering to Service Level Agreements. To be a successful FI Credit Risk Officer you should have experience with: Timely delivery of annual reviews, interim reviews, providing support or approval on transactions, ongoing portfolio monitoring and performing any other adhoc portfolio related exercise for the assigned portfolio of Financial Institutions. Undertake ongoing portfolio surveillance/monitoring encompassing the following key activities. Undertake fundamental credit analysis on assigned portfolio Timely action on transaction-level limit requests received from Front office and Product areas, including providing necessary approvals within individual authority. Ensure all relevant Credit Risk policies, standards and procedures are followed. Ensure that credit limits, internal grades and other credit parameters are aligned with the framework. Liaising and communicating with other departments to ensure documentation requirements are met. Maintain data integrity of relevant Credit Risk systems (and perform monthly credit grade attestation. On-going monitoring of portfolio for material developments affecting credit quality and the initiation of appropriate action. Provide coaching and mentoring to junior colleagues, transferring skills and expertise as required ensuring delivery against targets and continuing professional and personal development. Assist and support on-shore teams in responding to information requests from our banking system regulators. Stakeholder Management and Leadership. Some other highly valued skills may include: Build strong working relationships and proactively manage internal clients/stakeholders across all relevant teams. Proactively manage internal stakeholders across technology, risk etc. Actively engage and help other team members in achieving their objectives to enhance performance of the wider team. You may be assessed on essential skills relevant to succeed in role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills. The job location is Mumbai. Purpose of the role To safeguard the financial health of the bank by identifying, analysing, and mitigating potential credit risks associated with lending activities. Accountabilities Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. Assistant Vice President Expectations To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L Listen and be authentic, E Energise and inspire, A Align across the enterprise, D Develop others. OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. Complex information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders to achieve outcomes.

Job Description for Manager-Credit for Svakarma Finance Pvt. Ltd., an NBFC The candidate should be a self-starter who has worked in the Credit department of any bank / NBFC and has a flair for evaluating and analyzing financials, preparing a Credit Assessment Memorandum. The candidate will play a critical role in the Credit Assessment of a Business Loan case to assess its credit worthiness, analyse all risks and suggest solutions to mitigate the risks. The candidate will be responsible for: 1. Credit appraisal of Loan applications which are in compliance with the broad credit policy laid down by the management 2. Personal Discussions with the client as applicable. 3. Responsible for Under writing cases with desired level of quality. 4. Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending money to them. 5. Use performance history along with liquidity, debt/asset management and profitability to assess creditworthiness in evaluation 6. Evaluating financial statements and projections with stress tests to determine risks of extending credit to prospects. 7. Responsible for doing all the credit checks such as CIBIL, Highmark etc 8. Coordinate with Sales, Operations and Legal 9. Prepare Credit assessment Memo covering detailed analysis of business, industry, management, financials, etc. 10. Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved. 11. Analyzing client records and using the data to recommend payment plans. 12. Conducting physical discussion with the clients alongwith business manager. 13. Reverting to the sanctioning committee if any queries are raised. 14. Post disbursement monitoring & collections process coordination. Requirement: • Finance Professional • Experience: o Relevant experience of 4-8 years o Preferable-Experience in Business loan (preferred manufacturing -Engineering segment). o Knowledge about Working capital facilities, Invoice discounting, term loan, machinery loan, etc. o LOS/LMS software experience is preferred Competencies • Quality conscious with an eye for detail meticulous / following guidelines in work practices

Role : Credit Data Analyst Experience : 3 - 8 Years Location : Bengaluru - 5 Days WFO Must have: 3+ years in assessing credit risk for Lending and supply-chain finance products About Company: Invoyz Financial Solutions Pvt. Ltd. is a Bengaluru based financial services technology start-up with a focus on Supply Chain Financing and other Business Lending products. Invoyz also offers bi-directional data exchange among ERPs, for digital invoicing, collection and recompilation. The Credit Data Analyst will analyze the financial and transactional data to assess the creditworthiness of businesses and their channels. This role involves analyzing financial data, preparing credit assessment reports, and match-making with the suitable lenders. This person shall ensure that all documentation and processes comply with company policies and regulatory requirements. Job Content: 1. Review and analyze loan applications, credit reports, financial statements, and other relevant documents. 2. Collect, analyze, and interpret credit data from various sources to assess the creditworthiness of the customers. Verify loan documentation and ensure completeness and accuracy. 3. Develop and maintain credit scoring models to evaluate the credit risks. 4. Qualify leads by assessing the financial needs and eligibility criteria of potential clients. 5. Collect and accurately record detailed information and outcomes of each lead assessment, in the CRM system. 6. Prepare detailed reports on credit analysis findings, including risk assessments, credit ratings, and recommendations. 7. Collaborate with 3rd party lenders, banks, including internal/external finance, sales, and operations, to ensure accurate and comprehensive credit evaluations. 8. Coordinate with Lenders and LSPs for the approval or denial of loan applications and also influence their decision making, if feasible. 9. Ensure all loan processing activities comply with company policies, procedures, and regulatory requirements. 10. Communicate effectively with clients, colleagues, and third parties to obtain necessary documentation and information. 11. Educate clients on loan options, terms, and conditions. Assist clients in understanding the loan terms and application process and other requirements. 12. Stay updated on product knowledge and industry trends, market conditions to effectively communicate benefits to customers. Qualification: 1. Bachelor's degree in Finance, Economics, Statistics, or a related field. 2. Minimum 2years experience as a Credit Data Analyst or in a similar analytical role within the financial services industry. 3. Familiarity with credit risk assessment methodologies and financial statement analysis. 4. Knowledge of loan processing procedures, credit risk assessment, and regulatory requirements.

Manage credit processing for corporate lending/working capital/CC/OD/MSME terms loans/Corporate Business Loans Verify and validate customer KYC. Review and validate credit applications Financial Analysis Generate and manage MIS reports Required Candidate profile B.Com/M.Com/MBA Finance Minimum 0–3 years of experience in lending MBA-Finance fresher also welcome, who are having good knowledge of working capital.

Junior Risk/Credit Manager Northeast Chit Fund Services Private Limited, a Hyderabad-based Chit Fund company, is seeking a highly motivated Junior Risk/Credit Manager to join our team. As a part of the trusted Northeast group with over 40 years of experience in the financial services, textile and real estate industry, we have witnessed remarkable growth. Our vision is to create a financially disciplined and self-reliant India, and our mission is to build an ethical ecosystem for investments to thrive. Northeast Chit Fund is seeking a creative and results-driven Junior Risk/Credit Manager to join our dynamic team. This role involves evaluating, monitoring, and managing credit risk within our lending portfolio. This role involves analysing financial data, assessing creditworthiness, and making recommendations to senior management regarding credit decisions. https://northeastworld.com/ Responsibilities: Knowledge in risk assessment and perform in-depth analysis of credit data. Supportive to preparation of credit appraisals. Assessment of a customer portfolio based on the income criteria. Minimum knowledge of CIC score. KYC compliance. Minimum knowledge of retail/MSME businesses. Knowledge in the scrutiny of bank statements, ITRS and pay slips. Knowledge in Balance Sheet and Profit and Loss statements. Minimum knowledge of legal and valuation reports of properties. Review and approve credit documentation, ensuring accuracy and completeness. Qualifications: Any Bachelor's degree. Minimum 1-3 years of experience in credit analysis, risk management, or a related field. Strong analytical skills with the ability to interpret financial statements and data. Knowledge of credit risk management principles and practices. Familiarity with regulatory requirements and compliance standards. Excellent communication and interpersonal skills. Ability to work independently and collaboratively in a fast-paced environment. Knowledge in Microsoft Office.

Role & responsibilities Conduct loan utilization checks as per the schedule for all clients. Conducting house/on-site visits to the customer house/projects. Conducting check for high ticket size loans as per the instructions of the Regional Credit Team. Ensure publicity and awareness on products and processes to the branch staff. Imparting training to the branch staff on the products and processes. Build rapport and relationship with clients and branch staff. Reporting of daily events to Area Credit Manager. To maintain of all records & Books as per the requirement. Coordinating with the Regional Credit Team and branch branches for any queries. Preferred candidate profile MBA fresher (Full time only) - will be hired as Trainee Credit Executive and after 6 months of training based on performance will be elevated as Branch Credit Manager (BCM). Good Excel & Communication. Willingness to travel.

Roles and Responsibilities : Conduct loan utilization checks as per the schedule for all clients. Conducting house/on-site visits to the customer house/projects. Conducting check for high ticket size loans as per the instructions of the Regional Credit Team. Ensure publicity and awareness on products and processes to the branch staff. Imparting training to the branch staff on the products and processes. Build rapport and relationship with clients and branch staff. Reporting of daily events to Area Credit Manager. To maintain of all records & Books as per the requirement. Coordinating with the Regional Credit Team and branch branches for any queries. Preferred candidate profile : Graduation and Above. Min 2 years experience in Credit Underwriting on HL & LAP.

Global Credit operation ,Credit Rating , Credit Risk Rating ,Credit Rating Management, worked in any of GCC where he/she would have managed Global credit operation function, managed migration.

Join us as a Lending Ops Team Lead at Barclays, where you will play a pivotal role in leading and optimizing the banking operations. You will be assessed based on key critical skills relevant for success in the role, including a detailed understanding of the end-to-end lending process and its component functions. This involves areas such as Client, Relationship point, Credit, Post-sanction fulfillment, etc. Ideally, you should be a qualified MBA with experience in financial services, specifically focusing on Lending Operations. Your responsibilities will include team leading with a minimum team size of 5 members, along with previous experience in Corporate Case Management/Collateral related roles. You should have proven knowledge of Loan Systems (LIQ/ACBS) and possess excellent verbal and written communication skills. Additionally, having good influencing, negotiation, and interpersonal skills is essential. You should be well-versed in corporate lending products and their life cycle across Coverage, Risk, and Lending Operations. Your role will involve understanding new product offerings, collaborating with product designing, legal, and coverage teams on tight deadlines to grasp product details, and training the team on process execution. You must demonstrate strategic and analytical abilities, adapt a flexible approach to work, cope with high variability of tasks, and build strong professional relationships with senior stakeholders. Furthermore, you are expected to excel in using Excel and PowerPoint, storyboard, and produce high-quality presentations. Your role will also require driving the team's agenda in large forums spread across various locations. Purpose of the role: To support Wholesale Lending with day-to-day processing, reviewing, reporting, trading, and issue resolution. Accountabilities: - Support day-to-day Wholesale Lending initiatives, including processing, reviewing, reporting, trading, and issue resolution through lending technical expertise. - Monitor the bank's lending operations to ensure efficiency, effectiveness, and compliance with regulatory requirements. - Collaborate with teams across the bank to align and integrate Wholesale Lending processes. - Identify areas for improvement, provide recommendations for change, develop and implement procedures and controls in Wholesale Lending. - Create reports and presentations on Wholesale Lending performance, communicate findings to internal senior stakeholders. - Identify industry trends, implement best practices in Wholesale Lending Services, and participate in projects to enhance efficiency and effectiveness. As an Assistant Vice President: You are expected to advise, influence decision-making, contribute to policy development, and ensure operational effectiveness. Collaborate closely with other functions/business divisions, lead a team, set objectives, coach employees, and demonstrate clear leadership behaviors. For individual contributors: Lead collaborative assignments, guide team members, identify new directions for projects, consult on complex issues, mitigate risks, develop new policies/procedures, and collaborate with other areas of work. All colleagues are expected to demonstrate Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as the Barclays Mindset of Empower, Challenge, and Drive.,

You will be responsible for underwriting and managing the portfolio in the assigned branch/location. This includes reviewing and assessing a broad range of complex loan applications within defined guidelines, making decisions or recommendations for approval to higher authorities, and underwriting proposals in accordance with laid down policies and procedures to meet agreed SLAs and manage city/area business volumes. Your duties will also involve conducting personal discussions with customers to establish creditworthiness, ensuring completion of credit/KYC documents and verification through telephonic, field, and collateral visits. You will need to assess income to obligation ratios, have in-depth knowledge of the rationale behind the calculation of ratios, and understand their impact on loan performance during the loan tenure. Maintaining Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster, and providing regular reports, will be crucial aspects of your role. You will be expected to build and leverage effective relationships with third parties to facilitate the best outcomes for clients, take ownership of client queries, and use industry knowledge and experience to overcome challenges and solve problems. Additionally, you will need to exceed service quality standards, strive for continuous process improvement, and undertake critical reviews of credit proposals to identify risks. Ensuring collateral and other credit risk mitigation, facilitating quick turnaround time of credit lending proposals, and managing the credit underwriting function of the branch will all be part of your responsibilities. Your educational qualification should be a Post Graduate/Graduate in any discipline.,

As a Credit Manager, you will be responsible for assessing the creditworthiness of potential customers, evaluating financial information, and approving or denying credit to customers based on company policies. You will also be tasked with managing the company's overall credit exposure and risk management, ensuring that credit policies and procedures are followed. In addition, you will work closely with sales and finance teams to develop strategies for minimizing credit risk while maximizing sales and profitability. Strong analytical skills, attention to detail, and excellent communication skills are essential for success in this role.,

As part of our FY25 hiring demand for global university hiring, we are seeking individuals who are passionate about [job role]. In this role, you will be responsible for [mention key responsibilities]. Additionally, you will have the opportunity to [mention any other significant duties]. To excel in this position, you should possess [mention specific qualifications or skills required]. Furthermore, a successful candidate will demonstrate [mention any key traits or characteristics desired]. This role offers a unique opportunity to [mention any exciting projects or growth prospects]. If you are looking to make a meaningful impact and further develop your career in [job role], we would love to hear from you. Join us in our mission to [mention the overall goal or mission of the organization].,

Underwriting / Appraisal of credit proposals in line with the policy within the laid down TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/ other funding requirements of the SME. Key Responsibilities Evaluate and underwrite loan applications post credit processing. Conduct Quantitative & Qualitative Analysis including Personal Discussions (PD) to assess creditworthiness. Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Carry out Legal Checks: identify any existing complaints or legal red flags. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest policy updates based on risk insights

Portfolio Oversight : Manage the unsecured loan portfolio, ensuring effective collection strategies are in place. Collection Strategies : Develop and implement efficient recovery strategies to minimize delinquencies and improve recovery rates. Risk Management : Assess and mitigate risks associated with unsecured loans, ensuring compliance with regulatory guidelines. Team Leadership : Lead and train a team of collection agents, ensuring they meet performance targets. Legal Coordination : Collaborate with legal teams to initiate recovery procedures for delinquent accounts.

Join us as a Relationship Manager, Credit Delivery Join a dynamic team and control the strategic and daily support for client services, business development and relationship building Specialising in credit delivery, you ll be managing client relationships and aiming to exceed their expectations, every time Hone your communication and interpersonal skills, in a collaborative and fast-paced environment Were offering this role at senior analyst level What youll do We re looking for someone who ll put our clients at the heart of everything they do, joining a team who specialise in credit delivery. As a Relationship Manager, you ll be effectively managing your diary, helping to build and develop a portfolio of clients and crucially, delivering excellent service. We ll also look to you to support management in developing high quality new business proposals, support credit analysis and build a strong relationship with the credit function. You ll also be: Designing and originating new business proposals that are appropriate to the needs of our clients Understanding how our products and services compare with competitors and using this knowledge to maximise opportunities when undertaking personal reviews Building and maintaining relationships with stakeholders and leading commercial negotiations and agreements of contractual terms with new intermediaries Working closely with other product teams to deliver a comprehensive, integrated and high quality banking relationship for our clients The skills youll need We re looking for someone with knowledge of credit delivery and good experience of working in the financial services industry. You ll have an excellent appreciation of legal forms of lending and security and a broad understanding of corporate finance and capital models. Additionally, we ll also be looking for you to have excellent communication skills, with the ability to operate and influence effectively at a senior level, both internally and externally with customers and intermediary organisations. You ll also need: A QFA qualification with strong credit analysis skills Excellent relationship management skills and experience of working in a customer driven business environment A track record of successfully leading and developing a performing sales team Experience of relevant legal, regulatory and statutory obligations and risk management within a financial services environment Excellent knowledge of businesses processes including know your customer, anti-money laundering, deal structuring and preparing credit appraisals Hours 45 Job Posting Closing Date: 06/08/2025

Join us as a Relationship Manager Join a dynamic team and control the strategic and daily support for client services, business development and relationship building Specialising in credit delivery, you ll be managing client relationships and aiming to exceed their expectations, every time Hone your communication and interpersonal skills, in a collaborative and fast-paced environment Were offering this role at associate level What youll do We re looking for someone who ll put our clients at the heart of everything they do, joining a team who specialise in credit delivery. As a Relationship Manager, you ll be effectively managing your diary, helping to build and develop a portfolio of clients and crucially, delivering excellent service. We ll also look to you to support management in developing high quality new business proposals, support credit analysis and build a strong relationship with the credit function. You ll also be: Designing and originating new business proposals that are appropriate to the needs of our clients Understanding how our products and services compare with competitors and using this knowledge to maximise opportunities when undertaking personal reviews Building and maintaining relationships with stakeholders and leading commercial negotiations and agreements of contractual terms with new intermediaries Working closely with other product teams to deliver a comprehensive, integrated and high quality banking relationship for our clients The skills youll need We re looking for someone with knowledge of credit delivery and good experience of working in the financial services industry. You ll have an excellent appreciation of legal forms of lending and security and a broad understanding of corporate finance and capital models. Additionally, we ll also be looking for you to have excellent communication skills, with the ability to operate and influence effectively at a senior level, both internally and externally with customers and intermediary organisations. You ll also need: A QFA qualification with strong credit analysis skills Excellent relationship management skills and experience of working in a customer driven business environment A track record of successfully leading and developing a performing sales team Experience of relevant legal, regulatory and statutory obligations and risk management within a financial services environment Excellent knowledge of businesses processes including know your customer, anti-money laundering, deal structuring and preparing credit appraisals Hours 45 Job Posting Closing Date: 06/08/2025

Analyst, International Desk | Permanent Contract | BANGALORE | India | Cr dit Agricole Carri res Necessary They help to make a website usable by allowing for basic functions such as page navigation and access to secure parts of the Website. The Website cannot function properly without these cookies. 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Modified on 14/07/2025 Num ro de loffre : Job description Summary Cr dit Agricole Group International Desk ( PAI ), India is a part of the Global International Business Solutions serving the Credit Agricole Group, assisting the group s mid-cap clients with their international operations, by providing expertise on the local environment as well as by securing access to a wide spectrum of banking services in India. The Assistant Credit Officer at PAI will be reporting to the Manager, International Desk, India. He/she is responsible to assist in the activities of A/c opening, Credit Analysis, liaising with clients located pan India and liaising with internal teams across the CACIB India Branches to ensure smooth completion of on-boarding of clients. The officer is also involved in day-to-day transactional activities of loans, international trade and Fx related activities in client servicing and account monitoring. Job Description Undertake A/c opening activities in liaison with internal A/c opening & KYC teams and clients. Undertake accurate and timely credit analysis of counterparties (French, Italian and Spanish clients located in India) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model and peer analysis. Write credit reviews/analysis for recommendation to Risk team and Senior Management approval in liaison with Legal, Compliance, Treasury and Risk teams. Post approval, engaging in loan documentation in liaison with internal teams and ensuring smooth completion of credit line set-ups. Active participation in onshore and offshore loan bookings Monitoring of account and client portfolio along with covenants in regular discussions with internal and external stakeholders. Manage the credit portfolio and assist senior decision makers to make informed decisions based on your recommendations. Comply with the rules applicable to CACIB staff (i.e. Compliance/Financial Security), as well as legal and regulatory requirements. Handle regulatory and transactional queries from clients and address them efficiently in liaison with the Reporting officer and respective internal teams. Be the central point of contact for all client activities in co-ordination with the Reporting Manager. Handle time to time ad-hoc requests on MIS and data requested from global offices. Application criteria Starting date 20/10/2025 Position with management No Minimum level of study Postgraduate degree MA/MSc/PhD/Doctorate or equivalent Training / Specialization MBA Finance Minimum experience level 3-5 years Skills needed Strong written and verbal communication skills in English & French. Skills in and south Indian languages is preferred but not mandatory. Must be able to work on word, excel managing large data sheets for MIS. Must be a self-starter and pro-active in bringing new ideas and solutions Must demonstrate ability to manage own time efficiently and effectively, and be able to multi-task, absorb ideas and facts quickly while maintaining thorough eye for details. IT tools Key Skills: Understanding of various banking products (including trade finance and derivatives) and credit documentation. Strong analytical skills, updated knowledge in financial markets and economy / industry Keep abreast with changing RBI policies surrounding Loan & Advances, External Commercial Borrowings, BO & LO set-ups, Export Finance etc. Keep updated on Indian laws and regulations impacting our banking operations and our clients. Languages English, French Company Cr dit Agricole CIB About Cr dit Agricole Corporate and Investment Bank (Cr dit Agricole CIB) Cr dit Agricole CIB is the corporate and investment banking arm of Cr dit Agricole Group, the 10th largest banking group worldwide in terms of balance sheet size (The Banker, July 2022). 8,600 employees in more than 30 countries across Europe, the Americas, Asia-Pacific, the Middle-East and North Africa, support the Banks clients, meeting their financial needs throughout the world. Cr dit Agricole CIB offers its large corporate and institutional clients a range of products and services in capital market activities, investment banking, structured finance, commercial banking and international trade. The Bank is a pioneer in the area of climate finance, and is currently a market leader in this segment with a complete offer for all its clients. By working every day in the interest of society, we are a Group committed to diversity and inclusion and place people at the heart of all our transformations. All our job offersare open to persons with disabilities. For more information, please visit www.ca-cib.com Twitter: https://twitter.com/ca_cib LinkedIn: https: / / www.linkedin.com / company / credit-agricole-cib / By working every day in the interest of society, we are a group committed to diversity and inclusion. All our positions are open to people with disabilities. Cr dit Agricole CIB R sum de l offre Cr dit Agricole CIB Published the 14/07/2025 These offers may interest you! How would you like to apply Upload your CV and cover letter in .doc, .docx, .pdf, .txt, .rtf, .odt, .html or .png format, weighing less than 2mo only. Register or log in to your Cr dit Agricole Recrutement account to fill in the application form, as well as your CV and track your applications. I dont have an account yet This application will be deleted. Do you wish to continue This action will be irreversible. You will not be able to apply to this offer

Role Client Management / Stakeholder Management; Discuss with the key management personnel of the corporates being rated to understand their strategy and business model Communicate the final Rating to the client Analyse Company s financial performance which include; Past financial and business performance & Benchmark these against peers performance. Project future performance of the company Undertake rigorous credit risk analysis encompassing industry / business research and financial analysis of various large corporates. Assign Ratings and prepare reports that cogently capture the rationale behind the rating. Make credit rating recommendation to the Rating Committee. Ensure adherence to timelines. Maintain a high quality of analytics and rating committee presentation. Complete ownership of a client account. Responsible for all day-to-day operations of the account. Interfacing with clients for all operational activities. Handholding of 1-2 junior analysts. Should support the manager in day to day activities. Team & account management would include, but not limited to training & development of the team, coaching, sharing of best practices, providing feedback, etc. Undertake regular liaison with client management and analyst teams to gauge feedback and satisfaction. Supporting thought leadership and content building exercises in Mid Corporate Segment

Divisional Overview: The Risk Division is a team of specialists charged with managing the firm s credit, market, liquidity, operational and insurance risk. Whether assessing the creditworthiness of the firm s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail. Department Overview: Credit Risk (CR) is responsible for managing the firm s credit exposure to its trading and lending counterparties. Leveraging its extensive expertise in financial, credit and risk analysis, CR ensures that credit exposure to our counterparts is managed within the firm s risk appetite. Staffed with more than 270 professionals, CR operates through 12 different offices around the world and credit professionals work closely with many areas of the firm. Given this structure, CR professionals gain diverse financial experience and a broad perspective on how the entire firm functions. The interaction with numerous departments and the range of projects that ensue allow for a challenging, varied and multi-dimensional work environment. RESPONSIBILITIES AND QUALIFICATIONS Responsibilities: Evaluate derivatives and financing transactions across Global Market clients, reviewing and approving risk taking across this sector Assess the credit and financial strength of the firms hedge fund, mutual fund, private equity fund and Financial Institution counterparts by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors Assess risk of transactions through reviews of quantitative models, portfolio analysis, stress testing, and other methods Approve transactions and opine on risk mitigation for products (fixed income funding, equity derivatives, prime brokerage, swaps, etc) based on counterparty and trade details. Hold risk conversation with respective sales and trading teams Perform counterparty reviews, including recommending appropriate internal risk rating for each counterparty and setting credit limits Basic Qualifications: 3-5 years of experience in a finance or risk role Knowledge of capital markets, including derivatives and/or repo products preferred Strong analytical, communication, and organizational skills required Bachelor s degree (Master s preferred) in business or finance Competencies: Functional Expertise and Technical Skills Knowledge of financial markets, risk analysis and current risk management practices as well as strong technical skills required for the role. Values attention to details, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills Client and Business Focus - Builds trusting, long-term relationships with clients, helps the client to identify/define needs and manages client/business expectations Teamwork Gives evidence of being a strong team player, collaborates with others within and across teams Communication Skills - Communicates in a clear and concise manner, shares information/new ideas with peer group and team, while demonstrating judgment to escalate as appropriate Judgment and Problem Solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyzes complex issues Creativity and Influence- Looks for new ways to improve current processes and develop creative solutions that are grounded in reality and have practical value We believe who you are makes you better at what you do. Were committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers . The Goldman Sachs Group, Inc., 2020. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Female / Minority / Disability / Veteran / Sexual Orientation/Gender Identity

Job Purpose / Summary: The Auditor Concurrent Audit in Branch Banking is responsible for performing real-time audits of the branch’s financial transactions and operations. The role involves verifying compliance with internal policies, regulatory requirements, and assessing the effectiveness of internal controls. The auditor will identify risks, discrepancies, and inefficiencies in the branch's operations, providing timely feedback to branch management and recommending corrective actions to mitigate risks and ensure smooth banking operations. Concurrent Audit (Housing Finance) is responsible for performing real-time audits of various financial and operational activities within the housing finance department. The role involves examining loan origination processes, disbursements, collections, customer account management, and ensuring compliance with regulatory requirements, organizational policies, and industry best practices. The Auditor will also identify discrepancies, report issues, and provide recommendations to enhance internal controls, mitigate risks, and ensure operational efficiency. The Auditor for Concurrent Audit of Small Enterprise Loans plays a key role in assessing the loan portfolio for small enterprises by conducting real-time audits to evaluate adherence to company policies, regulatory requirements, and risk management practices. This role ensures that the loan disbursement, approval, and recovery processes are accurate, compliant, and effective. The Auditor works closely with the audit team and other business units to identify areas of improvement and mitigate potential risks. Duties and Responsibilities: Real-Time Auditing Internal Controls Review Compliance Monitoring Transaction Verification Risk Identification Audit Reporting Fraud Detection Training & Awareness Documentation & Record Keeping Experience / Skillset / Certifications Required: Educational Qualification- Bachelor's degree in Accounting, Finance, Commerce, or related fields. Relevant Job Experience- Minimum of 1-2 years of experience in auditing in branch banking, risk management, or credit analysis, preferably within the banking or financial services sector. Experience with loan documentation, financial transactions, or housing finance operations is highly beneficial Skills and Competencies-Proficiency in banking software and Core Banking Systems (CBS).Strong knowledge of MS Excel for data analysis, report preparation, and financial reconciliation.

We are seeking an experienced credit professional with excellent communication and interpersonal skills who will be joining a dynamic and fast-paced environment. PROFILE OVERVIEW As the Credit Analyst, you will be responsible for reviewing applications by analysing financial and non-financial data, assessing credit risk, credit underwriting and client interaction. This is a mid-level position and will report to Credit Manager. EXPERIENCE: 2-3 years QUALIFICATION: Chartered Accountant JOB LOCATION: Jaipur EMPLOYMENT TYPE: Full- Time YOUR JOB ROLE AT 121 FINANCE Analyse financial data - review balance sheets, profit & loss statements, cash flow statements, collateral documents Evaluate repayment capacity, credit history, industry risks, and collateral security Verify customer information KYC, employment or business details, and credit bureau reports Liaise with customers to clarify documentation requirements and resolve queries Prepare detailed credit assessment reports and risk analysis Recommend cases to higher authorities with details Work closely with sales, credit analysts, and operations teams to ensure smooth processing WHAT WILL YOU BRING TO 121 FINANCE? Experience : 2-3 Years experience in NBFC/BFSI industry Essential Skillset required: Proficiency in MS Excel Knowledge of Credit underwriting, Credit Bureau reports Understanding of Software Tools ERP, CRM etc

Key Responsibilities: Franchise and business development Leverage industry network to initiate conversation across top tier large and regional banks with the aim of generating new business in the First Line of Defense (1LoD) and Second Line of Defense (2LoD) Credit risk management Liaise with business heads and business development team to identify opportunities and drive market outreach for credit risk offerings for the Wholesale banking clients across 1LoD and 2LoD life cycle Develop an account plan for identified target clients including insights on relevant businesses and their key decision makers Work closely with the members of the sales team on proposals, Requests for Proposal and Request for Information responses Take initiatives towards franchise development to demonstrate Crisil’s domain leadership (in white papers, point of view notes, webinars, etc.) Client Engagement As a subject matter expert in credit risk management space, lead customer facing meetings Responsible for understanding customer needs in credit risk assessment, across the loan life cycle – including origination (due diligence, policy and regulatory compliance), underwriting, risk rating processes, regulations, compliance, portfolio monitoring, collateral monitoring, among others and prepare, present and promote sale of our credit solutions Determine business and methodological requirements and architect solutions based on each client use case and CRISIL’s product/service suite Engage in new client pilots, solution and review processes for new opportunities Develop, maintain and foster strong client relationships and lead multiple client engagements independently Document market feedback regarding experience with CRISIL’s solutions and desired enhancements; actively manage client relationships and drive Net Promotor Scores and CSATs for CRISIL Project and team management For client engagement assigned, ensure robust governance and oversight through appropriate workflow planning, resource utilisation, quality assurance and client satisfaction Undertake quality underwriting of the work executed by the team Lead/build large teams of analysts to deliver on client requirements Attract, develop and retain top quality staff to ensure a robust pipeline of talent Job Skills & Qualifications Essential MBA/CA/CFA 10+ years of experience in Wholesale banking including credit due diligence, regulatory compliance, credit modelling, credit underwriting, portfolio management, controls assessment, stress testing and/or loss forecasting Excellent organization, oral, and written communication skills with ability to listen to requirements and business problems to respond with appropriate solution Strong leadership, team management and problem-solving skills, with experience of leading large teams Ability to work in a high-pressure, deadline-oriented environment and work independently with minimal supervision Preferred Experience in Leveraged Finance portfolio credit monitoring Knowledge of existing and evolving regulations impacting the wholesale banking lending space Public speaking experience, publications and/or internal lead on training within an organization Experience and enthusiasm of working with senior leadership on franchise development, client acquisition/farming and related business growth activities Ability to influence and gain buy-in from sceptics

CSB Bank Opening for Customer Relationship Officer - Tirunelveli Job Purpose : Organized, attentive Customer Relationship Officer to provide exceptional service to our customers by handling routine tasks, such as processing payments, accepting deposits, and handling withdrawals The Bank Teller will respond to customer requests and inquiries, Functional Responsibilities : (1) Process transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions (2) Informing customers about bank products and services (3) Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete (4) Maintaining and balancing cash drawers and reconciling discrepancies (5) Packaging cash and rolling coins to be stored in drawers or the bank vault (6) Keeping a clean, organized work area and a professional appearance (7) Handling currency, transactions, and confidential information in a responsible manner (8) Maintains customer confidence and protects bank operations by keeping information confidential Competencies required for role : Customer service Attention to detail General math skills Verbal communication Integrity Selling to customer needs People skills Financial skills Financial software Thoroughness Documentation skills Note: Only experienced and currently employed individuals are eligible.

Job Purpose / Summary: The Auditor Concurrent Audit in Branch Banking is responsible for performing real-time audits of the branchs financial transactions and operations. The role involves verifying compliance with internal policies, regulatory requirements, and assessing the effectiveness of internal controls. The auditor will identify risks, discrepancies, and inefficiencies in the branch's operations, providing timely feedback to branch management and recommending corrective actions to mitigate risks and ensure smooth banking operations. Concurrent Audit (Housing Finance) is responsible for performing real-time audits of various financial and operational activities within the housing finance department. The role involves examining loan origination processes, disbursements, collections, customer account management, and ensuring compliance with regulatory requirements, organizational policies, and industry best practices. The Auditor will also identify discrepancies, report issues, and provide recommendations to enhance internal controls, mitigate risks, and ensure operational efficiency. The Auditor for Concurrent Audit of Small Enterprise Loans plays a key role in assessing the loan portfolio for small enterprises by conducting real-time audits to evaluate adherence to company policies, regulatory requirements, and risk management practices. This role ensures that the loan disbursement, approval, and recovery processes are accurate, compliant, and effective. The Auditor works closely with the audit team and other business units to identify areas of improvement and mitigate potential risks. Duties and Responsibilities: Real-Time Auditing Internal Controls Review Compliance Monitoring Transaction Verification Risk Identification Audit Reporting Fraud Detection Training & Awareness Documentation & Record Keeping Experience / Skillset / Certifications Required: Educational Qualification- Bachelor's degree in Accounting, Finance, Commerce, or related fields. Relevant Job Experience- Minimum of 1-2 years of experience in auditing in branch banking, risk management, or credit analysis, preferably within the banking or financial services sector. Experience with loan documentation, financial transactions, or housing finance operations is highly beneficial Skills and Competencies-Proficiency in banking software and Core Banking Systems (CBS).Strong knowledge of MS Excel for data analysis, report preparation, and financial reconciliation.