1585 Credit Management Jobs - Page 42

Customer Order Management : Regional Accounts : 228 customers - Tamil Nadu Order entry (SAP P13 system, contract pricing, Promo validation, FOC orders) Back-order management (Price change request, order validation, order rejections) Bottleneck management (Exception management - Customer order allocation) Approval Framework (Plant change, credit limits, incompletion log) Material availability Customer Returns & Claim Management : C4C - service tickets process & closure (Complaints & all queries) Creation of work-on, CQS processing Customer logistics (Fine distribution): LDC Inbound & Outbound collaboration with stakeholders (Chennai) Transport debit notes & insurance claims recovery Weekly visit to LDC Commercial Operations: AR management - collections, OD, defaulters, risk mitigation & dunning Channel finance - Onboarding new accounts, co-ordination with customer, bank & sales team Customer credit management (queries & enhancement request)- South region CD statements, CN postings (region specific) Local vendor bills validation & payment co-ordination with OSP (FSR) Demo Inventory management -Co-ordination with RSM (Respective Sales office)

Role Description The role is as a specialist desk analyst with a focus on India markets within the Global Financing & Credit Trading (GFCT) APAC franchise. The candidate will be tasked with providing management, Trading and Sales with market commentaries, trade ideas, risk management and face-to-face interactions with clients What well offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Your key responsibilities Desk Analyst roles and responsibilities include, but are not limited to: Research related tasks Fully understand the credit under analysis along with all related regulatory / legal issues and risks involved Take primary ownership for the credit and act as interface between Sourcing, Execution and Trading & Sales Identifying profitable business opportunities e.g. under / overvalued companies Weekly production of complete and accurate Risk 1 Pagers Present Risk 1 Pagers at weekly Analyst meetings when required Fully understand the implication of the companys jurisdiction on creditors / stakeholders interests Share information with other Desk Analysts on relevant names within the same industry / client / legal regime. Trading related tasks Assist Sourcers with educating banks / potential sellers Agree a strategy for approaching clients and salespersons with the Risk Manager Helping Traders manage the risk on the book by providing timely and accurate credit information Credit limit approval emails should be drafted by the desk analyst. Send email to respective traders and salesperson after each call with client summarizing topics discussed and client views Update Trader / Sales / Sourcers in the morning meeting on your credits (e.g. credit updates, new business ideas, conversations with accounts) Provide Desk Execution and Desk Operations with a summary of voting events Work with sourcing to develop list of creditors for each credit Role is required to be performed primarily on-site at the International Commerce Centre. Relevant health and safety requirements may apply. Your skills and experience Masters or Bachelors Degree from a Tier 1 institute with at least 7 years of experience in originating and evaluating special situation and private credit investment opportunities across sectors A strong network in India and experience running a loan financing process (primary, secondary and distressed) Strong analytical skillset with sound accounting and financial modelling understanding Experience dealing with senior finance executives of external counterparties especially large corporations / issuers and institutional investors like hedge funds and/or banks Strong interpersonal skills A strong work ethic and the ability to work well within a team Interest in putting on trade ideas and working closely with traders.

Role & responsibilities: Industry: Banking / NBFC Experience: 5 to 12 years Location: Vashi/Lower Parel Salary - Negotiable Openings - 8 Designation - Sr. Credit Officer/Asst. Credit Manager/Branch Credit Manager/Branch Credit Head Job profile: File & Docket checking and ensuring adherence to Login & Disbursement checklist. Underwriting HL & LAP proposals. Personal discussions for retail cases. Monitoring various reports like FI/FCU/Legal/Technical. Reverting to Audit Queries in timely manner. Disbursement Punching & Handover. Disbursal Memo signing for dockets. New recruitment & training to Sales, Credit & operations. Underwriting APF proposals. Managing customer escalation as per escalation matrix SENP cases

About The Role Experience in credit/ operations in retail MFI loans/ unsecured loans. Prepare and present reports on credit-related activities to upper management. Good with excel and added advantage if good at MIS related application Oversee and guide the credit control team, providing training and support as needed. Capable of handling team of 8-10 credit officers independently. Team Handling and co-ordination Retails Ops candidate okay to evaluate Credit appraisal Implement and maintain the company"™s credit policies and procedures to minimize bad debt losses and optimize sales. Ensuring all credit operations comply with relevant laws and regulations.

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role Role Name Department Commercial Banking - Credit Monitoring & Strategy Location Mumbai Number of Positions 1 Reporting Relationships Vice President Position Grade Senior Manager Position Purpose : With the Bank"™s growing asset portfolio, there is an imminent need for building systems and processes for analysing data from multiple sources & drilling down to industry / sector level performances through advisories as well as forecasts based on a set of assumptions, on both threats and opportunities for growth, including specific references to individual borrowers and at group level; event-based impact analyses, tight monitoring of portfolio quality, timely identification of accounts that require closer monitoring, ability to think through risk mitigating structures / follow up for implementation of review outcomes / action points. Portfolio Monitorin- Identify, manage and minimize shocks / stresses in the Credit Portfolio. Analytics and Advisory objective being to establish an enterprise approach focusing on key and emerging risks and opportunities, involving the following ; Advisories from CRILC / CRISIL and other rating agencies / Capitaline / webinars / research reports. Drill down to Industry / Sector performance. Correlate with Bank"™s portfolio on these major Industries / Sectors segments with direction on outlook. Maintaining subscription services, wherever necessary Preparation and monitoring of monthly EWS (Early Warning System) reports. Identify accounts under relevant categories, which need to be included under the EWS reporting, based on the overdue and churning and other such reports and other set identified parameters. Co-ordinate with Zonal / Regional, Business and Credit teams to analyze and update the latest information with relevance of such accounts. Discuss the identified accounts and report at a Zonal / regional level and subsequently present the EWS report made on a monthly basis to the Group Head / Business Head / Credit Head and to President (Commercial Banking). Note the directions / actionable made with regard to specific accounts, if any, and update the same to the concerned. Identify, analyze and deep dive on specific accounts which need to be carefully and specifically hind sighted. Chartered Accountant Past experience of 3 to 5 years Strong analytical skills - ability to carry out economic analysis, build quantitative and financial models to project future performance thus requiring fluency in MS Office, Advanced MS Excel (Macros, V-lookup, Pivot)\ and MS Powerpoint Knowledge of Bank"™s internal data systems Finnacle, CORE, etc. Ability to engage with internal and external stakeholders, gain their confidence and persuade them to cooperate with initiatives where required If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to priyanka.lunawat@kotak.com Please mention the following in the subject line as "˜"Position Name" "Your Name" "Your Current Business Group"

About The Role JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MIS"™s of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications

About The Role Credit Manager-RELATIONSHIP BANKING GROUP-Credit JOB DESCRIPTION Role Credit Appraisal Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on HireIncrease in volume of business Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend Analyze the NPA trend like area, industry, sector etc. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA Ensure qualitative portfolio

About The Role Job Role: Evaluating Credit requirements of potential customers (Strategic and retail) in the Commercial Vehicle business Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RM"™s and company involved Ensure adherence of credit policies and RBI guidelines Continuous monitoring of Infant Delinquencies Job Requirements: 5 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

Department Regulatory ReportingLocation MumbaiNumber of Positions 1Reporting Relationship Team Leader - Regulatory ReportingPosition Grade M3 / M4 Job Role: PAN Bank Exposure report and CRILC return :- Preparing the PAN Bank Exposure Report. Co-oridnating with various department of the bank to get the data / information for PAN Bank exposure data and other returns.Analysis of trend and reconciliation of Pan Bank exposure report with source data. Compiling, checking and filing the monthly CRILC return Highlighting major risks if any arising from the existing process or reporting and taking corrective action. Other monthly / quarterly returns/ exposure reportPreparing the Gift City Exposure Report on monthly basis. Working on WBG data points for Capital Market Exposure (CME) and Commercial Real Estate (CRE) on monthly basis. Compiling, checking and filing the Return of Large Exposure (RLE), Return on Large Corporate (RLC) & Return on Connected Exposure ( RCE) every quarter.Working on Return on Asset quality (RAQ) & SIBC Industry data point on quarterly basis. Working on Credit data points of risk based supervision (RBS) document to RBI on quarterly basisAnalyzing the trends in Key risk indicators for the Bank based on above return filing. Working on Board Note, compliance note and Substantial exposure reporting quarterly as per internal guideline. Providing exposure related data to auditors, compliance, legal, inter department, regulator, etc and resolving audit queries. Automation project : Drafting BRD and conducting UAT w.r.t automation project. Implementing automation project of the bank, drafting process note and monitoring the data flow. Qualification/ Experience/ Skill Requirement: Bachelor's/Masters degree in Finance, Accounting, Business Administration, or related field.At least 3-4 years of experience and well-versed with computers/ excel. Knowledge of Credit Appraisal, Credit Monitoring or regulatory requirements.Analytical skills, proficiency in trend analysis and understanding of data flow in banking system. Written and verbal communication skill with the ability to present information clearly and concisely.

About The Role Job Role: Looking after credit underwriting of SENP / SEP cases by having deep understanding of applicants financials and business background post visiting customer. Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry. Maintaining decent productivity levels of processing. Being a team player while assisting the team in implementing HO & local policies at ground level. Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Job Requirements: CA /MBA done from well-known Institute. Min 2 4 years of experience in mortgage with bank or NBFC. Having above exposure in SENP segment (non Salaried segment). Same Posting Description for Internal and External Candidates

About The Role Description: RBG Business under Commercial Banking at Kotak Mahindra Bank caters to all the working capital requirements of Transporters/ Logistics/ Warehousing/ Infrastructure/Dealer Finance segments. Hence, preferable industry would be these segments, however,good candidate with experience in Credit Corporate / SME/Mid-Market/Any other Dept. job role other than these segments canalso be considered. Evaluating Working Credit requirements of potential customers of RBG caters to Transporters, Automobile Dealers, Logistics & Warehousing, Govt Infrastructure Contractors, as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. Job Requirements: 3 to 8 years MBA (Finance)/CA

About The Role Risk Manager Department Kotak Mahindra Bank Ltd Consumer Durables Location Mumbai HO Number of Positions One Reporting Relationship Reporting to Business Head Consumer Durables Business Position Grade M7-M8 Job Role: Risk management & Portfolio monitoring for Consumer durable loans. Managing Risk containment unit for Consumer businesses Portfolio monitoring and continuous review of Consumer durable, Digital Business finance, Life style business, Personal loan cross sell Improving controllership by way of building strong system Building and automating credit approval engine Support launch of new products with policy & system build and implementation Formulating Risk policy & support to launch Digital product Drive and support initiatives to build scale Rural lending business Job Requirements: Qualification MBA and/or Professional Degree preferred Job Knowledge and experience Should have at least 15 years of experience in credit / risk environment Should have at least 6 years of experience in heading risk / credit for a large setup Should have good understanding of CD Business & Retail industry Should be able to drive and work with a Team reporting Should be a Team player, Relationship person and should be ready to travel widely

About The Role Credit Manager-HF LOAN AGAINST PROPERTY (LAP)-Credit JOB DESCRIPTION Job Role: Looking after credit underwriting of SENP / SEP cases by having deep understanding of applicants financials and business background post visiting customer. Delinquency monitoring for underwritten cases during the infant stage so as to keep delinquency to almost Nil levels. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in mortgage industry. Maintaining decent productivity levels of processing. Being a team player while assisting the team in implementing HO & local policies at ground level. Handling of CPAs and mentoring them to extract quality in their output. Monitoring their productivity levels. Job Requirements CA /MBA done from well-known Institute. Min 2 4 years of experience in mortgage with bank or NBFC.

Conduct credit assessment and underwriting of partner-originated proposals as per bank policy. Ensure adherence to co-lending agreements and regulatory guidelines (RBI Co-lending model). Coordinate with partner institutions for data sharing, document verification, and compliance. Manage disbursement operations, reconcile partner-bank data, and ensure seamless fund flow. Track portfolio performance, early warning signals, and ensure timely reporting/MIS. Support periodic audits, due diligence, and partner evaluations. Liaise with internal teams (legal, risk, IT, DTPC) for smooth integration and issue resolution. Conduct credit assessment and underwriting of partner-originated proposals as per bank policy. Ensure adherence to co-lending agreements and regulatory guidelines (RBI Co-lending model). Coordinate with partner institutions for data sharing, document verification, and compliance. Manage disbursement operations, reconcile partner-bank data, and ensure seamless fund flow. Track portfolio performance, early warning signals, and ensure timely reporting/MIS. Support periodic audits, due diligence, and partner evaluations. Liaise with internal teams (legal, risk, IT, DTPC) for smooth integration and issue resolution. Roles and Responsibilities Conduct credit assessment and underwriting of partner-originated proposals as per bank policy. Ensure adherence to co-lending agreements and regulatory guidelines (RBI Co-lending model). Coordinate with partner institutions for data sharing, document verification, and compliance. Manage disbursement operations, reconcile partner-bank data, and ensure seamless fund flow. Track portfolio performance, early warning signals, and ensure timely reporting/MIS. Support periodic audits, due diligence, and partner evaluations. Liaise with internal teams (legal, risk, IT, DTPC) for smooth integration and issue resolution. Conduct credit assessment and underwriting of partner-originated proposals as per bank policy. Ensure adherence to co-lending agreements and regulatory guidelines (RBI Co-lending model). Coordinate with partner institutions for data sharing, document verification, and compliance. Manage disbursement operations, reconcile partner-bank data, and ensure seamless fund flow. Track portfolio performance, early warning signals, and ensure timely reporting/MIS. Support periodic audits, due diligence, and partner evaluations. Liaise with internal teams (legal, risk, IT, DTPC) for smooth integration and issue resolution.

About the Role BharatNXT is looking for a Creative Editor to enhance our team. The ideal candidate will be responsible for editing images, videos, creating adaptations, adding sound, and crafting animations. Additionally, AI tools will be leveraged to generate creative assets. The role focuses primarily on editing tasks, delivering polished, high-quality content. A proficiency in tools like Photoshop, Canva, Premiere Pro, and Figma (good-to-have) is required. Key Responsibilities: Edit and enhance images using Photoshop and Canva. Edit videos with Premiere Pro, adding sound and effects. Create simple animations and motion graphics. Generate content using AI tools. Adapt content as per feedback, ensuring consistency and quality. Collaborate with the creative team to align with project goals. Required Skills and Qualifications: 1-2 years in creative editing or related role. Proficiency in Photoshop, Canva, Premiere Pro, and Figma (good-to-have). Basic knowledge of animation and motion graphics. Attention to detail and ability to meet deadlines. Strong time management and organizational skills. Desired Traits: Creative and technically skilled. Ability to manage multiple tasks and projects. Flexible and quick to adapt to changing priorities. Additional Information: This role requires working from the office. If youre ready to showcase your creative editing skills, please submit your resume and portfolio

Job Description Reporting to the Group Manager, Customer Support Consultant is responsible to provide customer service to our external and internal customers and third parties, being responsible for carrying out relevant and designated tasks within the External Collections and Customer Support function. Responsibilities Ensure Service Level Agreement parameters are met, including incoming post/fax/emails and work lists and export files. - 15% Facilitate verbal and written communication with customers and authorised third parties as required. - 10% Maintain accurate records on the Company s internal systems. -10% Maintain a high level of quality at all times & carry out any other ad-hoc duties as requested by management. - 10% Negotiate with the customer or authorized third parties to reach agreement on payment or resolution of issues. - 10% Provide an efficient professional service to both internal and external stakeholders at all times. - 10% Provide support, cover, assistance and or guidance to other teams within support operations as required. - 10% Use a variety of systems in addition to Cabot s internal systems to obtain, utilise and process documentation relating to customers / authorised third parties. - 10% Education Required: Bachelor; Any Experience Required: Minimum 1 year experience in International process . Candidate should be a Graduate Require Candidates can be from UK/US -Collections/Non-Collections background Candidate should not be from Tech-support background ( Non-hiring organizations- IYOGI/QUA. Basic PC Skills. GCSE level in English & Maths Good negotiations skills. Excellent communication skills (both written and verbal) . Excellent organisation and time management skills. Ability to handle a varying and demanding workload. Ability to meet tight time deadlines. Preferred: Positive can do attitude Confident communicator Intuitively empathetic Seeks learning opportunity and self development. What We Offer We understand the important balance between work and life, fun and professionalism, and corporation verse community. We strive to support your career aspirations and provide the benefits you need to live a more fulfilling life. Our compensation and benefits programs were created with an Employee-First Approach focused on supporting, developing, and recognizing YOU. We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within. All these things are just a small way to show our employees that we recognize their value, we understand what is important to them, and we reward their contributions. About Us Headquartered in the United States, (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you. Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status, or any other status protected under applicable law. If you wish to discuss potential accommodations related to applying for employment, please contact Save Our Total Rewards Package We understand the importance of the balance between work and life, between fun and professionalism, and between being a corporation and being a community. That s why we provide compensation structures and benefit plans tailored to each of our global hubs, and then enhance them with a wide range of programs that support your personal and professional growth. It s our way of showing you that we recognize your value, understand what s important to you, and want to reward your contributions. Holistic Wellness We re focused on your wellbeing, and that means supporting you across all dimensions of wellness through company sponsored team building events, wellness challenges, lunch & learns, webinars, on-site events to foster bonds with colleagues, and more! Work-Life Balance Our total rewards package is designed to help you thrive in and out of the office. Enjoy 11 paid holidays, generous PTO, leave donation program, and inclusive parental leave policies that allow new parents to bond with their growing families. Our commitment to your work-life balance is at the heart of it all. Healthcare Take advantage of comprehensive healthcare plans and options to ensure your continued health, insurance coverages, in-house gymnasium and recreation amenities, doctor consultations, health check-up camps, on-site psychologist, Employee Assistance Program (EAP), wellness app, and more. Perks Enjoy office transport services, free online books library, free daily healthy meals, on-site cafeteria, games rooms, relaxation areas, employee group discount program, and our concierge support to optimize your workday. Career Path & Development Grow at MCM with comprehensive paid training and development programs including our very own MCM Academy as well as a promote-from-within philosophy. Awards & Recognition Enjoy the spotlight with a commitment to honoring great results ranging from informal accolades to formal company-wide awards and prizes like our Encore Honors program where you get to choose the prize that best fits your needs! Pay & Bonuses Earn a competitive salary. All employees are eligible for incentives or annual bonus compensation. Tuition Assistance Unlock your full potential with tuition reimbursement program aligned to your career goals. We will support your professional development ambitions. Volunteerism Support Enjoy up to 8 hours of paid time off each year to volunteer. We also offer volunteer grants and matching financial donations for our employees. Share Job Explore Nearby the Office Learn More About MCM MCM is a great place to work. I love it for the friendly work environment and high-class facilities, smooth management, and the perks provided to its employees. MCM is top class. Suisaphy Hongvah, Midland Credit Management Internal Legal Specialist Internal Legal Specialist Life At MCM A Day In the Life of an Account Manager Get an in-depth look at what your day-to-day is going to look like once you re an MCM Account Manager. Get a feel for what the job is once youre a part of the team and gain understanding and knowledge of what an AM really does when they come in to work in the morning. Site Tour Step inside the MCM India offices and discover a vibrant community where talent and ambition thrive. Take an in-depth look at our organization and see what your passion, drive, and sense of community are helping to build. See how you can make a meaningful impact in our consumers lives, as well as your own. View our India Site Tour Video and see the future career thats waiting for you at MCM. Awards & Achievements Great Place to Work Certified 2024-2025 India Silver Employer for LGBT+ Inclusion 2024 AVTAR - Best Companies for Women 2024 - India The Economic Times - Best Organisations for Women 2024 AVTAR - Most Inclusive Companies Index 2024 - India Best CSR Project of the Year & Innovation in CSR Practices

DEPARTMENT - CREDIT SUB-DEPARTMENT - FIG REPORTS TO - National Credit Manager-FIG ROLE PURPOSE & OBJECTIVE This role is responsible for Credit analysis along with training of junior credit analyst/RMs. The incumbent will manage the best quality of assets/investments generated by FIG/Treasury in accordance with regulatory standards. SIZE OF THE ROLE FINANCIAL SIZE Managing loan / investment portfolio of ~Rs2000 crores across FIG/Treasury vertical. NON-FINANCIAL SIZE Training junior analyst PAN/RMs India. KEY DUTIES & RESPONSIBILITIES OF THE ROLE 1. Business/ Financials Ensuring complete credit under-writing and due diligence of the existing as well as prospective client within defined TAT Ensuring best quality of portfolio / investment of FIG/Treasury through Regular review of portfolio / covenant breaches Training of Junior Credit Analyst /RM Provide development opportunities to the team and ensure career paths and succession plans are charted out, reviewed and updated Handling Internal/Statutory/RBI audit in coordination with various other teams Handling Compliance related issues 2. Customer All NBFCs/MFIs/Corporate entities/Banks/Broking entities in the portfolio being managed. Client meeting to understand their on-ground functioning & actual performance while reviewing any proposal. 3. Internal Process Writing notes adhering to internal policies & RBI guidelines on Lending/investments to NBFC/MFIs/Corporates/Banks/Broking entitiesof bank. Review & updation of internal policies of the group at regular interval. Regular monitoring of portfolio & covenants 4. Innovation & Learning Updated with latest developments in the market & informing the same to all relevant stake holders at appropriate time. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications - CA/MBA Finance Experience Min 6-8 years experience (Banking/NBFC experience) Functional Skills The candidate preferably should have working experience of min 4-5 years in credit appraisal of NBFCs/MFIs/HFCs/Corporates/Banks/Broking entities. The candidate should be well verse in detailed financial analysis, analytical tools and overall risk assessment measures. The candidate should have good communication skill (written as well as oral) The candidate should be well versed with different lending structures being offered to NBFCs/MFIs/Corporates/Broking entities and should have good understanding of regulatory guidelines and general sense of market events. The candidate should be well verse with necessary regulatory guidelines on lending/investment to NBFC/Corporates/Banks/broking entities. The candidate should be able to check market standing of the borrowers in the portfolio through his off-market contacts. Behavioral Skills Disciplined, analytical thinking, team leading abilities, Inter-personal skills, self-motivated & Proactive approach KEY INTERACTIONS INTERNAL Risk FIG/Treasury Compliance Legal EXTERNAL RBI/ Statutory/Internal Auditors Clients.

What youll do? The Manager/Sr. Manager is responsible for ensuring the company is appropriately and strategically positioned with investors, and all stakeholders. The holder of this job reports to the Senior Vice President-Treasury and is responsible for assisting them in creating the appropriate strategy, framework, and tactics, as well as for providing a very compelling investor relations roadmap. The position requires excellent communication and interpersonal skills. It also requires the ability to carefully manage relationships outside the company in the investor community. The main responsibilities are: Managing debt funding requirements for the company by initiating and managing relationships with Banks, NBFCs, Mutual Funds, Family Offices and other debt capital market players to raise debt financing for KCPL. Raise funds through External Commercial Borrowings from institutional investors Develop a robust investor relations strategy and framework. Raise timely funding for the company keeping in mind the ALM and B plan requirements; and raise structured/tailor made term funding to suit the business needs of the Company. Responsible for creating awareness about the company and amongst the banking and other investor community, as a market making activity. Responsible for preparation of reports on the companys profile and performance and other marketing material and presenting it to the companys current and potential future lenders. Structuring and arranging debt capital via structured finance transactions including Securitizations, Portfolio Buyouts, Covered Bonds, Pooled Bonds and all other debt market products in India. Provide insights on market activity and present them to the leadership team. Analyze and present financial trends, competitor behaviour, shareholder issues, and anything else that could impact the business. Work with legal counsel to ensure compliance on regulatory matters. Who you need to be? The Manager/ Sr. Manager must be a seasoned professional who has extensive experience in generating business results and working with cross-functional teams. The job requires a corporate professional who also has entrepreneurial skills and looks to the future with optimism to envision what could be possible. Success in this role requires collaboration, communication, leadership, and vision. A Masters degree in business, finance, or accounting or CA CFA certification is an asset. 5-7 years of experience dealing with lenders and investors, and a strong track record of creating positive relations with the investor community. Deep knowledge and understanding of the debt capital market, as well as a thorough understanding of key metrics for companies in the industry. Intimately familiar with financial modelling techniques and valuation methods used by analysts and investors A strong understanding of macroeconomics, capital markets trends, competitor activities, industry dynamics, and customer trends A professional who is also entrepreneurial and has a client-minded focus. Must be able to perform in a high-pressure environment and be able to meet tight deadlines. Has superb written and verbal communication skills, as well as the ability to draft engaging and impactful messages for inspiring employees and investors. Prior experience in the treasury function of an NBFC is preferable Job location: Chennai: 1 Opening Mumbai: 1 Opening

I. ROLE PURPOSE & OBJECTIVE 1. MSME vertical is a growing business for Ujjivan. The Relationship Manager will be an important position that will drive this business for the particular location. 2. Focused customer acquisition of Working Capital - Fund Based & Non Fund Based customers for Facility amount up to Rs. 10 Cr and drive business. Self-sourcing of potential customer. Conversion of Leads from Channel partners (DSA/Connector) and Ujjivan Staff referrals. 4. Focus on Relationship building with clients through cross sell of CA, TD, Insurance, Salary accounts, BNB and drive transactions through Ujjivan Coordinated with team members for the disbursement and work effectively for achieving assigned business targets Portfolio management like renewal, interest servicing etc. II. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Monthly Business volume as per the business target. Productivity of around 1.5 2 Cr Monthly Fresh Limit set-up Timely Interest serving, Regular Churning to prevent Delinquency Timely Renewal of existing customers, managing 20 40 customers Coordination with Credit Manager for case approval and CAD and Operations for case disbursement. Maintains Daily sales report and sharing with supervisor. Maintains DSA tracker for pay-out processing III. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials o Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility o Implement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established. Customer (Both Internal & External) o Ensure customers are educated about all products/services offered by Ujjivan. o Ensure lower customer attrition by providing different products as per customer requirement. o Focus on lower TAT as per laid down standards. Internal Process o Monitor health of portfolio o Ensure, supervise the correct implementation of the credit procedures including all the respective tools o Discuss strategies and changes in terms of products, capacity building, procedures etc. Innovation & Learning o Ensure adherence to training man-days/ mandatory training programs for self o Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self

About the Role: We are seeking a highly experienced and skilled SAP FSCM-FICO (Credit Management) Lead with deep functional and technical expertise to spearhead critical implementations and support initiatives. The ideal candidate will have a proven track record of leading end-to-end projects, particularly in a Central Finance (CFIN) environment, and possess an in-depth understanding of SAP Credit Management, Collections Management, and Dispute Management. This role requires a strong individual who can design, configure, and integrate complex solutions, while also providing expert guidance to both technical and business stakeholders. Key Responsibilities: End-to-End Implementation & Support: Lead and support full lifecycle implementation and ongoing support of SAP FSCM components, including: Credit Management (SAP Credit Management / S/4HANA Credit Management) Collections Management Dispute Management Solution Design & Configuration: Design and configure robust SAP FSCM solutions that meticulously meet client requirements, ensuring seamless integration within Central Finance (CFIN) systems. Central Finance Integration: Drive master data mapping, process design, and data flow between diverse source systems and the Central Finance landscape. Interface Configuration: Configure interfaces for key financial entities such as Business Partner, Credit Limits, Collection Strategies, and Dispute Case Processing. Cross-Functional Collaboration: Collaborate effectively with cross-functional teams, including Finance, Technical, and Business stakeholders, to ensure cohesive solution delivery. Guidance & Best Practices: Provide expert guidance on data migration, system testing, and user training. Identify process improvement opportunities and advise on SAP best practices within the FSCM domain. Post-Go-Live Support: Support post-go-live stabilization and ongoing enhancement of FSCM functionalities, proactively resolving issues and optimizing system performance. Module Design Collaboration: Actively collaborate with cross-stream teams to comprehensively design the FSCM module. Required Skills & Experience: Experience: Minimum 8+ years of hands-on SAP FSCM experience. SAP Credit Management Expertise: Expert knowledge in SAP Credit Management, encompassing scoring, risk categories, and seamless integration with SAP SD (Sales and Distribution) and SAP FI (Financial Accounting). Collections & Dispute Management: Strong proficiency in Collections and Dispute Management, including expertise in defining strategies, managing worklists, correspondence, and the complete dispute case lifecycle. Central Finance (CFIN) Projects: Proven experience in Central Finance (CFIN) projects and significant experience with FSCM integration within CFIN. S/4HANA Finance: Familiarity with SAP S/4HANA Finance architecture. Master Data Governance: Experience with SAP MDG (Master Data Governance) for Business Partner, including understanding of relevant Business Partner roles for FSCM processes. Integration Technologies: Understanding of various integration technologies (e.g., IDocs, BAPIs, Web Services). Analytical & Communication Skills: Strong analytical, problem-solving, and excellent communication skills (written and verbal). Preferred Qualifications: Qualified CA / ICWA / MBA Finance / M.Com. Mandatory Skills: FSCM-FICO (Credit Management) Desired/Secondary Skills: FSCM-FICO (Credit Management) Domain: FSCM-FICO (Credit Management) Additional Information: Max Vendor Rate: INR 10,000 per day (in relevance to work location) Background Check: Pre-onboarding Shift Work: Europe Shift is required.

As a Senior Associate SAP SD with DSD Consultant, you will be part of a high-performing team solving complex business challenges for clients, particularly in the FMCG sector. You will support the design, configuration, and deployment of SAP LMD (Last Mile Delivery) and DSD (Direct Store Delivery) solutions, aligning technical capabilities with business needs. Key Responsibilities: Manage and support multiple client projects, reporting to managers and higher management. Lead and train junior staff members. Build and maintain strong client relationships. Stay current with industry trends, business challenges, and economic issues relevant to FMCG and consumer goods sectors. Contribute to business development by identifying and researching opportunities with existing and new clients. Develop your own and the team's technical knowledge and consulting skills. Provide on-site and remote support for end users on Pricing, LMD/DSD, Handheld Devices, and Sales Order processes. Create and implement templates for global and localized rollout of LMD/DSD solutions. Lead Train-the-Trainer and end-user training sessions. Utilize tools such as SAP Solution Manager, HP ALM, and JIRA for testing and project management. Manage stakeholders effectively and lead small to medium-sized teams. Technical Expertise and Skills Required: Minimum 2 full lifecycle implementations in SAP LMD/DSD within FMCG companies. Sound knowledge of Consumer Goods processes: Supply Chain, Trade Marketing Distribution, Direct Store Delivery, and Finance. Strong understanding of master data management for LMD/DSD Order Management, including: Customers, Drivers, Vehicles, Materials, Sales Representatives. Proficiency in Visit Control (Visit Plan), Transportation Planning, Vehicle Space Optimization, Loading Confirmation, Output Controls, Reload, Stock Visibility, Route Accounting, and Handheld Device Connectivity (Mobile LMD/DSD). Experience with LMD/DSD processes such as Pre-Sales, Van Sales, Delivery Driver, and Mixed Sale. Ability to identify integration points between SAP LMD/DSD and other modules: SAP SD, MM, LE, FICO. Capability to configure financial processes in SAP DSD and integrate third-party tools. Expertise in Credit Management, Payment Collection, Invoicing, and related integration processes. Experience with global and local rollout templates and end-user training. Strong knowledge of SAP Solution Manager and testing tools (HP ALM, JIRA). Proven leadership skills with multitasking ability and timely delivery of quality results. Strong business English communication and interpersonal skills.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce or relevant subjects Experience(Years and Core Experience Type) 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales Location - Ahmedabad,Ahmednagar,Akurdi,Ambejogai,Anand,Anklav,Aurangabad,Vadodara,Beed,Bharuch,Bhavnagar,Bhusawal,Bodeli,Botad,Chowk,Dahod,Dholka,Dhule,Gandhinagar,Halol,Himatnagar,Jalgaon,Jalna,Jamnagar,Jasdan,Kheda,Latur,Lunawada,Mehsana,Modasa,Morbi,Nadiad,Nanded,Naroda,Nashik,Petlad,Pimpri,Pune,Rajkot,Rajpipla,Shirpur,Solapur,Vadali

Job Description The Assistant Manager Compensation and Benefits is responsible for supporting the design, implementation, and administration of the organization s compensation and benefits programs. This includes salary structures, incentive plans, benefits programs, benchmarking, compliance, and reporting to ensure competitiveness and alignment with the company s strategy. Develop and administer compensation strategies including salary benchmarking and pay structures. 10% Conduct regular market analyses to ensure competitive compensation. 25% Support annual salary review processes, bonus planning, and incentive schemes. 20% Maintain compensation data and prepare reports for management. Administer and manage the Short-Term Incentive (STI) program to align employee performance with organizational goals. Oversee the Long-Term Incentive (LTI) program, including equity awards (stock options, RSUs, performance shares) and other deferred compensation plans. 20% Supports the planning and execution of the annual Merit Planning process. Performs analysis such as Comp Ratio and cost impact analysis to evaluate impact of proposals. Works with HRBP teams and business to ensure smooth delivery of merit letters. Ensures accurate payroll input for merit related changes. Supports the planning and execution of the midyear promotion and market correction process. Total Reward Statement for all employees during Merit Increase cycle. 25% TOTAL 100% MINIMUM REQUIREMENTS EDUCATION: Masters or Advanced FIELD OF STUDY: Human Resources EXPERIENCE: Required: 4-5 years in progressive HR roles, with at least 3 years in comp. Knowledge in HR research methodology, survey development, statistics, and data analysis and reporting.. Advanced Proficiency with Microsoft Word, Excel, Power Point, Outlook. HRIS, Experience maintaining confidential data. Good communication and stakeholder management skills. Detail-oriented and highly organized Assist in the development and administration of compensation policies, frameworks, and salary structures. Conduct benchmarking and market analysis using compensation surveys Support annual compensation cycles including salary reviews, bonus planning, and promotions. Analyze internal compensation data to ensure pay equity and competitiveness. Prepare compensation reports and analytics for management decision-making. CERTIFICATION(S): Certification(s) required KNOWLEDGE, SKILLS, ABILITIES, AND OTHER ATTRIBUTES: Strong analytical skills and proficiency in Excel Familiarity with HRIS systems and compensation tools. Knowledge of labor laws and statutory compliance in India (or relevant geography). Good communication and stakeholder management skills. Detail-oriented and highly organized. What We Offer We understand the important balance between work and life, fun and professionalism, and corporation verse community. We strive to support your career aspirations and provide the benefits you need to live a more fulfilling life. Our compensation and benefits programs were created with an Employee-First Approach focused on supporting, developing, and recognizing YOU. We offer a wide array of wellness and mental health initiatives, support volunteerism, and environmental efforts, encourage employee education through leadership training, skill-building, and tuition reimbursements, and always strive to provide promotion opportunities from within. All these things are just a small way to show our employees that we recognize their value, we understand what is important to them, and we reward their contributions. About Us Headquartered in the United States, (Encore) is a publicly traded international specialty finance company operating in various countries around the globe. Through our businesses - such as Midland Credit Management and Cabot Credit Management - we help consumers to restore their financial health as we further our Mission of creating pathways to economic freedom. Our commitment to building a positive workplace culture and a best-in-class employee experience have earned us accolades including Great Place to Work certifications in many geographies where we operate. If you have a passion for helping others and thrive at a company that values innovation, inclusion and excellence, then Encore Capital Group is the right place for you. Encore Capital Group and all of its subsidiaries are proud to be an equal opportunity employer and are committed to fostering an inclusive and welcoming environment where everyone feels they belong. We encourage candidates from all backgrounds to apply. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status, or any other status protected under applicable law. If you wish to discuss potential accommodations related to applying for for Results Innovation and Agility Leading and Enabling Change Building Effective Partnerships Developing Self and Others Our Values In Action Here at MCM, we are guided by a deep sense of purpose and an unwavering dedication to making a positive difference. Our doors are open to innovative and diverse perspectives, as we foster a collaborative environment where every voice is heard and celebrated. At the core of our success lies a profound commitment to our people we invest in your growth and development, empowering you to reach your fullest potential and make a lasting impact. The Encore Promise The Encore Promise is our global employee value proposition, specifically created to showcase the supportive and dynamic environment our current and prospective colleagues can expect every single day. It is co-created based on our people s feedback and is rooted in real experiences of people working at Encore. Inclusion and Belonging We are committed to fostering an environment that promotes learning, curiosity, and continuous improvement, while creating spaces for all people to bring their authentic selves to work. Improving Our Communities Just as we look to improve the financial health and wellbeing of our consumers, we look to improve the health and wellbeing of our communities. MCM is dedicated to serving our communities through our Corporate Social Responsibility (CSR) committees, along with individual and team efforts. This culminates with our Global Volunteering Month every July where we dedicate over 1,000 hours to giving back to our communities everywhere. We strive to help our consumers overcome debt by partnering with them in helping restore their financial health. Our commitment to excellence fuels our service and innovation, encouraging colleagues to support consumers, communities, and foster a collaborative workplace culture. Jaison Thomas, Midland Credit Management Managing Director, India Managing Director, India Life At MCM Step inside MCM and discover a vibrant community where talent and ambition thrive. This video offers an intimate look at the heart of our organization - a place where passionate individuals come together to drive innovation and make a meaningful impact. Join us and unlock a future filled with purpose and success. Celebrating Our Achievements Great Place to Work Certified 2024-2025 India Silver Employer for LGBT+ Inclusion 2024 AVTAR - Best Companies for Women 2024 - India The Economic Times - Best Organisations for Women 2024 AVTAR - Most Inclusive Companies Index 2024 - India Best CSR Project of the Year & Innovation in CSR Practices