224 Credit Monitoring Jobs

We are excited to invite applications from Chartered Accountants with 03 years of experience for multiple openings across the following domains: Accounts Receivables / Accounts Payable / Business Finance / Financial Planning & Analysis (FP&A) Desired Skills: AR : Expertise in Credit Risk Assessment and Collection Strategies. Strong Knowledge of Accounting, Taxation (GST, TDS), and Compliance. Excellent Negotiation and Dispute Resolution Skills. Analytical Mindset for Credit Monitoring and Risk Mitigation. Ability to Work with Cross-Functional Teams (Sales, Legal, Finance) AP : Vendor payments, Vendor reconciliations, MIS reporting, Host-to-host payments, Hands-on experience with ERP systems and advanced Excel tools Business Finance / FP&A : Knowledge of Ind AS/IFRS; should be well versed with consolidation exercise. Advance computer skills and proficiency in MS Excel and PowerPoint. Confidence to express opinions and ability to explain financial issues to non-financial management. Please fill out the form carefully and upload your updated resume. The specific role will be finalized based on your profile and the outcome of the interview process. Link to job application form:- https://forms.gle/S4VUNnvU6vYSE4E46 We look forward to reviewing your application! Show more Show less

Roles and Responsibilities Manage a team responsible for credit appraisal, monitoring, and underwriting across multiple locations. Oversee the entire credit lifecycle from application to disbursement. Develop and implement effective credit policies and procedures to minimize defaults. Collaborate with internal stakeholders to resolve complex credit issues. Ensure compliance with regulatory requirements and industry standards.

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

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 / NCR,Pune,Bangalore,Hyderabad,Chennai

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

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

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

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

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)

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)

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)

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 / NCR ,Pune,Bangalore,Hyderabad,Chennai

Monitoring of Portfolio on an ongoing basis. Strict adherence to Credit Monitoring Policy. Regular monitoring of the portfolio Conducting Credit Monitoring Committee Meetings Reporting of actionable to various authorities. Constant monitoring of events related to borrower accounts. Annual Review of Accounts. Appointments and maintenance of Vendors like Lenders Independent engineer, Lenders Legal counsel and Lenders insurance consultant. Identification of stress accounts and recommendation of actions. Handling restructuring of accounts. Portfolio modeling and analysis. Covenant monitoring. Coordination with Fincon/ accounts and Budgeting MIS and other reporting.

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)

Job Description: Job Title: Sales Coverage Support Analyst Location: Mumbai, India Role Description DIPL is looking to hire a qualified professional with business-based academic backgrounds to join the global Project Finance team within Corporate Bank. We are looking to recruit a person in the team to play an important role in actively managing the lending portfolio. The candidate will act as a contact for the ongoing credit monitoring, analytics, internal risk and other reporting. Role will involve regular interaction with other offshore teams as well as with CB onshore teams, CRM, finance, RPM etc. What we ll offer you As part of our flexible scheme, here are just some of the benefits that you ll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Periodic single transaction or portfolio credit review Assist in processing of amendment and waiver requests, preparation, and submission to Risk of credit modifications Supporting annual project risk rating updates Credit monitoring through the review of all financial covenants and operating performance (e.g. financial models, proforma adjustments, key drivers, etc.) Preparing quarterly Credit Risk Management ("CRM") portfolio review Maintaining various department and industry/sector databases/trackers Maintaining internal portfolio tracking metric Responding to ad hoc internal requests on portfolio composition and exposure Coordinating and working with front office Project Finance team Your skills and experience Bachelor s/Master s degree in Economics, Finance or Engineering. Additional certification like Chartered Financial Analyst (CFA) would be a plus 5 or more years experience in total in credit analysis or research Financial Analytical/modelling skills; including Excel PowerPoint skills Knowledge of IFRS, US/GAAP accounting standards Knowledge of lending legal documentation Experience in analysing project finance transactions is a plus Behavioural skills: Strong communication presentation skills Desire to work in a fast paced, challenging environment Good problem solving skills Demonstrated flexibility and willingness to work for a global team with intensive international exposure cross multiple time-zones (US, EMEA and APAC) How we ll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

Role & responsibilities CCSU unit will serve Corporate clients of Branches in Western Mumbai side , enjoying limits more than 10 Crs (Sister/Associate concerns of these Corporate clients enjoying limits of lesser amount, will also be served by CCSU). CCSU will serve these corporate clients in: Renewal of limits for existing Corporate Clients. Fresh Sanction Issuance of sanction letter, obtaining of compliance and co-ordination with legal and PSM Cell. Processing request of the borrower for Ad-hoc limits. Monitoring of Accounts. Document maintenance. Visit to units and offices of clients. Follow up for their request with CCC, PSM, Legal and any other department of the Bank. Attending / Arranging Consortium meetings on behalf of branch. Sending reminders for renewal/overdue, etc. to clients. Complying with Audit observations of Stock Audit / Statutory Audit / Internal Audit /Concurrent Audit Stock Statement updation on monthly basis/ QIS statement updation on quarterly basis. Exchange of information with other Banks. Follow up for Insurance Renewal and updation in the CBS. CERSAI/ROC charge updation in the system Preferred candidate profile

Interested Candidate can share CV vaibhav.macwan@efl.co.in Role & responsibilities Financial Analysis: Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants. Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications. Credit Risk Assessment: Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors. Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements. Loan Structuring: Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company. Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability. Documentation and Compliance: Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines. Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information. Communication and Decision Making: Present credit proposals and recommendations to senior management and credit committees for approval. Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications. Preferred candidate profile Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr. Perks and benefits Best as per industry standards

Some careers shine brighter than others. If you re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions. We are currently seeking an experienced professional to join our team in the role of Senior Consultant Specialist In this role, you will: Design, develop, and deploy machine learning models and algorithms especially in classical algorithms to solve business problems. Preprocess and analyze large datasets to extract meaningful insights. Build and optimize data pipelines (Extract data from Oracle, Elasticsearch, storage buckets, etc. ) for training and deploying ML models. Collaborate with ML engineers, and stakeholders to integrate ML solutions into production systems. Research and implement state-of-the-art machine learning techniques and tools. Document processes, experiments, and results for reproducibility and knowledge sharing. Stay up to date with tech, prototype with and learn new technologies, proactive in technology communities Develop & maintain ML models for Credit monitoring domain. E. g. Perpetual credit monitoring Develop innovative solutions in areas such as machine learning, Natural Language Processing (NLP), advanced and semantic information search, extraction, induction, classification and exploration Create products that provide a great user experience along with high performance, security, quality, and stability Requirements Minimum 10 years of software development experience. 5+ years of relevant experience in ML technologies mentioned below. Excellent problem-solving and communication skills. Strong experience in Python (3. x). Excellent working knowledge on scikit-learn, classical ML Model development Good experience of SQL, Oracle/PostgreSQL, any NoSQL database, File buckets. Experience in using data from data lake Excellent knowledge and demonstrable experience in using open-source NLP packages such as NLTK, Word2Vec, SpaCy. Experience in setting up supervised & unsupervised learning models including data cleaning, data analytics, feature creation, model selection & ensemble methods, performance metrics & visualization Solid understanding of ML algorithms, ML statistics, and data structures. Excellent interpersonal, presentation and analytical skills. Familiarity with MLOps practices for model deployment and monitoring. Experience working in banking domain with exposure credit monitoring Experience in automating the continuous integration/continuous delivery pipeline within a DevOps Product/Service team driving a culture of continuous improvement Location : Pune and Bangalore

Some careers shine brighter than others. If you re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions. We are currently seeking an experienced professional to join our team in the role of Senior Consultant Specialist The individual in this role as ML Engineer will be accountable for Design, develop, and deploy machine learning models and algorithms to solve business problems. Below are the key responsibilities / activities that need to be planned, attested and executed under the remit of this role by working effectively and collaboratively with the different delivery teams. In this role, you will: Design, develop, and deploy machine learning models and algorithms to solve business problems. Preprocess and analyze large datasets to extract meaningful insights. Build and optimize data pipelines (Extract data from Oracle, Elasticsearch, storage buckets, etc. ) for training and deploying ML models. Collaborate with data scientists, software engineers, and stakeholders to integrate ML solutions into production systems. Monitor and maintain deployed models to ensure performance and accuracy over time. Research and implement state-of-the-art machine learning techniques and tools. Document processes, experiments, and results for reproducibility and knowledge sharing. Stay up to date with tech, prototype with and learn new technologies, proactive in technology communities Develop & maintain ML models for Credit monitoring domain. E. g. Perpetual credit montiroing Develop innovative solutions in areas such as machine learning, Natural Language Processing (NLP), advanced and semantic information search, extraction, induction, classification and exploration Create products that provide a great user experience along with high performance, security, quality, and stability Requirements Minimum 10 years of software development experience. 5+ years of relevant experience in ML technologies mentioned below. Excellent problem-solving and communication skills. Strong experience in Python (3. x). Excellent working knowledge on scikit-learn, TensorFlow / PyTorch, Docker/Kubernetes. Good experience of SQL, Oracle/PostgreSQL, any NoSQL database, File buckets. Experience in using data from data lake Excellent knowledge and demonstrable experience in using open-source NLP packages such as NLTK, Word2Vec, SpaCy. Experience in setting up supervised & unsupervised learning models including data cleaning, data analytics, feature creation, model selection & ensemble methods, performance metrics & visualization Solid understanding of ML algorithms, ML statistics, and data structures. Excellent interpersonal, presentation and analytical skills. Familiarity with MLOps practices for model deployment and monitoring. Experience working in banking domain with exposure credit monitoring Experience in automating the continuous integration/continuous delivery pipeline within a DevOps Product/Service team driving a culture of continuous improvement Location : Pune and Bangalore

Some careers shine brighter than others. If you re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. HSBC is one of the largest banking and financial services organisations in the world, with operations in 64 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions. We are currently seeking an experienced professional to join our team in the role of Consultant Specialist The individual in this role as ML Engineer will be accountable for Design, develop, and deploy machine learning models and algorithms to solve business problems. Below are the key responsibilities / activities that need to be planned, attested and executed under the remit of this role by working effectively and collaboratively with the different delivery teams. In this role, you will: Design, develop, and deploy machine learning models and algorithms to solve business problems. Preprocess and analyze large datasets to extract meaningful insights. Build and optimize data pipelines (Extract data from Oracle, Elasticsearch, storage buckets, etc. ) for training and deploying ML models. Collaborate with data scientists, software engineers, and stakeholders to integrate ML solutions into production systems. Monitor and maintain deployed models to ensure performance and accuracy over time. Research and implement state-of-the-art machine learning techniques and tools. Document processes, experiments, and results for reproducibility and knowledge sharing. Stay up to date with tech, prototype with and learn new technologies, proactive in technology communities Develop & maintain ML models for Credit monitoring domain. E. g. Perpetual credit montiroing Develop innovative solutions in areas such as machine learning, Natural Language Processing (NLP), advanced and semantic information search, extraction, induction, classification and exploration Create products that provide a great user experience along with high performance, security, quality, and stability Requirements Minimum 10 years of software development experience. 5+ years of relevant experience in ML technologies mentioned below. Excellent problem-solving and communication skills. Strong experience in Python (3. x). Excellent working knowledge on scikit-learn, TensorFlow / PyTorch, Docker/Kubernetes. Good experience of SQL, Oracle/PostgreSQL, any NoSQL database, File buckets. Experience in using data from data lake Excellent knowledge and demonstrable experience in using open-source NLP packages such as NLTK, Word2Vec, SpaCy. Experience in setting up supervised & unsupervised learning models including data cleaning, data analytics, feature creation, model selection & ensemble methods, performance metrics & visualization Solid understanding of ML algorithms, ML statistics, and data structures. Excellent interpersonal, presentation and analytical skills. Familiarity with MLOps practices for model deployment and monitoring. Experience working in banking domain with exposure credit monitoring Experience in automating the continuous integration/continuous delivery pipeline within a DevOps Product/Service team driving a culture of continuous improvement Location : Pune and Bangalore

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

Job PurposeManage and maintain an effective Operational Risk FrameworkIdentify, evaluate, control and mitigate the organization wide operational risks by developing a pre-emptive control strategyProvide support to units in conducting process and procedure reviews, User Acceptance Test from OR perspectiveBe a point of reference for business units and share knowledge and skills Principal Accountabilities Responsible for Risk Control Self Assessments (RCSa)for various business functions and overseeing control validation testing in all key areasPeriodic review of Policies/ procedures from OR perspective with an aim to build better controls and bring efficiency Regular review of risk events reported and perform root cause analysis in consultation with business units Identification of Key Risk Indicators (KRIs) and regular monitoring and reporting of KRI breaches to senior management Tracking of action plans developed and monitor the closure of the same within timelines Supporting units in various digital initiatives from ORTroubleshoot and resolve issues related to network access control and micro segmentation Functional Skills Strong analytical skills Knowledge of Operational risk systems is preferred Knowledge of Wholesale banking processes such as credit, documentation, operations, credit monitoring In addition, the incumbent must possess softer skills such as:Strong team working skills Business acumen & drive for results