1497 Credit Appraisal Jobs - Page 13

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problemsExceed service quality standards and strive for continuous process improvementUndertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Educational Qualification: Post Graduate/ Graduate in any discipline

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable) Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

About The Role Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Master of Business Administration/Post Graduate Diploma in Finance Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Financial AnalysisAccounting & Financial Reporting StandardsDetail orientationAbility to perform under pressureAbility to work well in a teamCommitment to qualityAbility to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification Master of Business Administration,Post Graduate Diploma in Finance

This role is r esponsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth. Responsibilities To be referred to the Credit Analyst Charter and Mission Statement. Direct Responsibilities o Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks. o Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment. o Ensure that annual review / transactions deadlines are met. o Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files. o Communicate reliably and professionally with both internal and external clients. o Liaison with different mtiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role) o Monitor clients credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution. Contributing Responsibilities o Presentation of credit proposals to local credit committees. o Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit. o Participation in discussions and on potential deals. o Keep updated on credit policies / methodologies o contribution to relevant credit projects (tools, process, methodologies including participation to tests). o To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes. o Supporting team members to maximize the efficiency and effectiveness of the team. o Assist the Head and team Lead of CTCM on ad hoc basis as required. o Provide back-up on tasks performed by CTCM team when necessary. o Contribute to the Permanent Control framework. Compliance o Being aware of the regulatory environment. o Ensure compliance with regulatory mechanisms and compliance of credit process with the same. o Support in responding on credit-related matters from the regulators / internal auditors. Technical & Behavioral Competencies Technical: Ability to analyze financial statements. Credit Appraisal - Identification of risk areas Ability to correlate credit risk with transaction risk. Industry and product knowledge Risk evaluation and monitoring Compliance with Internal Policies, Procedures, Guidelines, etc. Writing skills Advanced knowledge of Microsoft Office Behavioral: Analytical & Multi-Tasking skills Organizing and control of work. Detail orientation Adaptability Ability to work under pressure. Good interpersonal, presentation & communication skills Ability to collaborate / team work Good judgement, independent and creative thinking, able to express views and ideas. Specific Qualifications (if required): Credit Appraisal Skills Referential Behavioural Skills : (Please select up to 4 skills) Attention to detail / rigor Ability to collaborate / Teamwork Adaptability Ability to deliver / Results driven Transversal Skills: Analytical Ability Ability to manage a project Ability to develop others & improve their skills Ability to develop and leverage networks Ability to manage / facilitate a meeting, seminar, committee, training Education Level: Bachelor Degree or equivalent Experience Level At least 7 years Other/Specific Qualifications (if required) -

This role is responsible for performing credit analysis of MNC clients and recommendation for corporate advances with a view to minimize credit losses and promote business growth. Responsibilities To be referred to the Credit Analyst Charter and Mission Statement. Direct Responsibilities Prepare rigorous and synthetic credit proposals with accurate and comprehensive analysis in line with the bank policies, including analysis of financial statements, industry, economic data and identification, analysis and presentation of all key risks. Proposing to the credit committee appropriate ratings & GRR, using internal tools and Credit Analysts judgment. Ensure that annual review / transactions deadlines are met. Perform portfolio reviews, periodic covenant checks, and security monitoring as required in line with approval conditions of respective files. Communicate reliably and professionally with both internal and external clients. Liaison with different mtiers and various BNP Paribas networks to share client information, ensure smooth and timely credit process to ensure that global reviews are properly and timely executed and to minimize overdue files in collaboration with Relationship Managers (coordination role) Monitor clients credit evolution and immediately alert the management for any early warning signals. This includes, but not limited to, timely update of financial spreadsheets, regular compliance checks on financial covenants change in ratings or any major event or material evolution. Contributing Responsibilities Presentation of credit proposals to local credit committees. Meet with clients jointly with Relationship Managers, when and where possible, to deepen the understanding of a credit. Participation in discussions and on potential deals. Keep updated on credit policies / methodologies contribution to relevant credit projects (tools, process, methodologies including participation to tests). To contribute to any other portfolio or credit administrative and statistical works as require such as sector analysis, RDPC (Risk & Development Policy Committees) and watch list / doubtful processes. Supporting team members to maximize the efficiency and effectiveness of the team. Assist the Head and team Lead of CTCM on ad hoc basis as required. Provide back-up on tasks performed by CTCM team when necessary. Contribute to the Permanent Control framework. Compliance Being aware of the regulatory environment. Ensure compliance with regulatory mechanisms and compliance of credit process with the same. Support in responding on credit-related matters from the regulators / internal auditors. Technical & Behavioral Competencies Technical: Ability to analyze financial statements. Credit Appraisal - Identification of risk areas Ability to correlate credit risk with transaction risk. Industry and product knowledge Risk evaluation and monitoring Compliance with Internal Policies, Procedures, Guidelines, etc. Writing skills Advanced knowledge of Microsoft Office Behavioral: Analytical & Multi-Tasking skills Organizing and control of work. Detail orientation Adaptability Ability to work under pressure. Good interpersonal, presentation & communication skills Ability to collaborate / team work Good judgement, independent and creative thinking, able to express views and ideas. Specific Qualifications (if required) Credit Appraisal Skills Referential Behavioural Skills: Attention to detail / rigor Ability to deliver / Results driven Ability to collaborate / Teamwork Adaptability Transversal Skills: Analytical Ability Ability to manage a project Ability to develop others & improve their skills Ability to develop and leverage networks Ability to manage / facilitate a meeting, seminar, committee, training Education Level: Bachelor Degree or equivalent Experience Level At least 2 years

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

PODDAR GROUP OF INSTITUTIONS is looking for Field Investigator to join our dynamic team and embark on a rewarding career journey Data Collection: Conduct field surveys and interviews to gather primary data. Administer questionnaires and conduct structured or semi-structured interviews with research participants. Ensure the accuracy and completeness of data collected. Documentation: Maintain detailed records of all field activities, including participant information, interviews conducted, and any challenges encountered. Compile and organize collected data in a systematic manner. Data Analysis Support: Assist in the coding and categorization of collected data. Provide support in the initial stages of data analysis, including data cleaning and preparation. Community Engagement: Establish rapport with the local community and research participants. Address any concerns or queries from participants regarding the research project. Reporting: Prepare regular progress reports on field activities. Collaborate with the research team to contribute to interim and final project reports. Quality Assurance: Ensure the quality and reliability of data through rigorous adherence to research protocols and ethical standards. Report any deviations or challenges encountered during data collection. Coordination: Collaborate with the project coordinator, principal investigator, and other team members to ensure smooth project implementation. Participate in regular team meetings and training sessions.

As a Finance Executive (Back-office) at our company in Jalandhar, you will be responsible for supporting the Credit Appraisal Department in the disbursement of loan files. We are looking for individuals with a minimum qualification of Graduates in Commerce (B.Com with 60% marks). Both freshers and experienced candidates are welcome to apply for this full-time, permanent position. In this role, you will be entitled to benefits such as cell phone reimbursement, health insurance, paid sick time, and Provident Fund. The work schedule will consist of day shifts, fixed shifts, and morning shifts at our in-person work location in Jalandhar. If you join our team, the expected start date for this position is 03/04/2025. We look forward to welcoming a dedicated and enthusiastic individual to our Finance team.,

Ascend Capital is a young FinTech NBFC founded by IIT Madras and IIM Calcutta alumni, rapidly growing and disrupting the Electric Vehicle (EV) and Fintech domains. Ascend is dedicated to building India's EV ecosystem for a sustainable and greener future. Passionate about technology and innovation, we are focused on developing solutions to cater to over 1 million+ customer visits daily. If you are eager to tackle large-scale challenges in the EV industry and drive real impact, Ascend is the ideal place for you. We are currently looking for an experienced Credit Manager (Retail EV Finance) with a minimum of 3 years of experience in Banking/NBFC(s) preferably within the Vehicles finance segment. As a Credit Manager, you will be responsible for: - Conducting credit checks and appraisals for EV loan applicants. - Assessing credit reports, evaluating risks, and approving deviations. - Managing loan sanctioning and disbursement processes. - Ensuring compliance with company credit policies and regulatory guidelines. In addition, your responsibilities will include: - Performing credit assessments for new dealer code approvals. - Analyzing monthly dealer performance reports from a credit perspective. - Monitoring and adjusting dealer-level loan products and credit limits as necessary. You will also be leading a team of 20 individuals responsible for credit report checks, customer tele PD, field inspection report checks, loan backend operations, and related tasks. Qualifications & Skills Required: - Minimum 3 years of experience in credit underwriting, loan processing, or dealer financing. - Strong knowledge of EV loan products, auto financing, and risk assessment. - Proficiency in financial analysis, credit evaluation tools, and regulatory compliance. - Ability to effectively interact with dealers, OEMs, and internal stakeholders. - Strong analytical, decision-making, and team management skills. This position is based in Jaipur. If you are a detail-oriented Credit Manager with a background in vehicle financing and B2B credit assessment, we welcome you to join our dynamic team at Ascend Capital.,

Revenue Generation Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Credit Appraisal Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Risk and Internal Control Responsibilities Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPA’s(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

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

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

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

Revenue Generation and Team Handling Achieve Banks objective in terms of earnings, assets, liabilities, credit quality etc. as per agreed budgets / targets from client relationship across all product groups Relationship Management Seek and acquire new client relationships by understanding the customers financial needs and provide suitable solutions in terms of providing bank products and services Manage the client relationships by handling activities ranging from identifying clients financial needs, advising, structuring the deal, preparing the terms and conditions and closing the deal Assess banking needs and risks for clients and manage client relationships accordingly to optimize risk-reward for the Bank Communication/PR of Banks products Undertakes brand communication initiatives for designated products Communicates product positioning messaging that differentiates YES Bank’s products in the market Market Research Illustrates understanding of consumers, competition and current market conditions through primary and secondary research Credit Appraisal Appraisal of the proposals involving detailed analysis of Income Statement, Balance Sheet, Financial Ratios, Cash Flows, Management Risk, Industry Risk, Economic conditions Documentation and Compliance To maintain high quality standards of documentation, client communication, process compliance, ongoing basis with product partners / OSD / Risk Management and other Relationship Management group Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks. Risk and Internal Control Responsibilities Follows risk policy and processes to mitigate the operational, regulatory, financial, informational, reputational and audit risks as instructed by departmental manager. Executes the established internal control systems and compiles the relevant information for departmental audits, as necessary.

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

Role & responsibilities Position Summary: The Head of Fundraising will lead the organizations capital-raising initiatives to support loan portfolio growth, product expansion, and financial inclusion goals. This role involves developing and executing the fundraising strategy, cultivating investor relationships, securing debt and equity financing, and ensuring long-term financial sustainability. The ideal candidate will have a deep understanding of financial markets, impact investing, and the microfinance ecosystem. Key Responsibilities: Strategic Fundraising Leadership - Design and implement a comprehensive fundraising strategy aligned with the companys growth targets. - Identify and assess new funding sources including impact investors, DFIs (Development Finance Institutions), commercial banks, and philanthropic capital. - Drive capital structuring decisions in alignment with business needs and risk appetite. Investor Relations - Cultivate and maintain relationships with current and prospective investors and lenders. - Prepare investor decks, financial models, and due diligence materials. - Organize roadshows, pitch meetings, and investor updates. - Ensure timely and transparent communication with funders on financial performance and social impact. Capital Structuring & Transaction Management - Lead negotiation and execution of financing agreements including term sheets, loan agreements, and equity investment documents. - Collaborate with legal, finance, and compliance teams to close transactions. - Monitor covenant compliance and reporting requirements. Internal Collaboration & Reporting - Work closely with the CFO, credit, and operations teams to assess funding requirements. - Provide regular fundraising updates and forecasts to senior leadership and board members. - Support annual budgeting and strategic planning processes with capital planning input. Qualifications & Experience: - Bachelor’s/master’s degree in finance, Economics, Business Administration, or related field; MBA or master’s preferred. - 12+ years of experience in fundraising, investment banking, structured finance, or financial services, with at least 5 years in a leadership role. - Demonstrated track record of raising capital (debt and/or equity), preferably in microfinance, fintech, or social enterprise sectors. - Strong relationships with institutional investors, DFIs, and impact funds. - Understanding of microfinance principles, regulatory frameworks, and financial inclusion strategies. - Excellent negotiation, communication, and stakeholder management skills.

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.

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

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

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

Project Manager

Job Role : Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilities : Credit Decisions Take sound lending decisions based on available information & interactions with the applicants. Manage credit quality and control delinquencies, frauds. Monitoring Performance Managing performance in terms of key drivers i.e. 0-Loses / Portfolio quality parameters. 0-Cost of credit administration. 0-Employee Productivity. Mandatory Skills : Graduate/Postgraduate. 4-6 years Credit/Underwriting experience. Understanding of portfolio metrics. Strong inter-personal skills which encourages and promotes enthusiasm and team spirit. Forward your updated resume - Murugasurya.p@hdbfs.com -- Regards, Surya HR - Team HDB Financial Services murugasurya.p@hdbfs.com

Job Role : Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying the promoters track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position To ensure Bounce Rate and Delinquency are within acceptable standards. Monitor and enforce approval rate and TAT as per prescribed standards. Monitor and ensure that monthly Branch audit score is satisfactory. Vendor Management. To conduct customer meeting to evaluate credit proposal PDD Tracking and closure Compliance to repayment instrument replenishment to ensure regular repayment of EMI Key Responsibilities : Credit Decisions Take sound lending decisions based on available information & interactions with the applicants. Manage credit quality and control delinquencies, frauds. Monitoring Performance Managing performance in terms of key drivers i.e. 0-Loses / Portfolio quality parameters. 0-Cost of credit administration. 0-Employee Productivity. Mandatory Skills : Graduate/Postgraduate. 4-6 years Credit/Underwriting experience. Understanding of portfolio metrics. Strong inter-personal skills which encourages and promotes enthusiasm and team spirit. Forward your updated resume - Murugasurya.p@hdbfs.com -- Regards, Surya HR - Team HDB Financial Services murugasurya.p@hdbfs.com

Required Operations Executive to work for a Banking sector. Should be Grad/Post Grad, Should have Good communications skills & experience in Banking/Financial sector. Salary: 25K-35K. Location: Faridabad. Contact:Ajay @9811008929/info@jjindia.co.in