1409 Credit Risk Jobs - Page 11

What role you will play in team Supporting senior underwriters in the assessment of loan applications for various financial products What you will do Analyze financial data conduct credit checks and prepare reports to assist in credit decision making Key responsibility Assist senior underwriters in evaluating loan applications Analyze financial statements credit reports and other relevant document s Conduct credit checks and verify applicant information Prepare detailed credit reports and risk assessments Contribute to the development and maintenance of underwriting guidelines Maintain accurate records of all underwriting activities Required Qualification and Skills Bachelor s degree in finance accounting or related field 1-2 years of experience in a financial services role Strong analytical and problem solving skills Excellent attention to detail and organizational skills Proficiency in Microsoft Office Suite Good understanding of credit risk management principles Benefits Included Competitive salary and benefits Professional growth opportunities Positive team environment Medical insurancePaid time offA Day in the Life Reviewing loan applications conducting credit checks analyzing financial data and preparing reports for senior underwriters

As an experienced Business Analyst in the Regulatory domain, you will be responsible for leading the techno-functional role within our organization. Your expertise in credit risk, market risk, regulatory reporting, and data lineage, combined with a solid understanding of governance, risk, and compliance processes, will be crucial for success in this role. Your main responsibilities will include but not be limited to: - Having prior experience with regulatory reporting (Minimum 5+ years) - Demonstrating the ability to understand an application and draw information/data workflow diagrams - Working effectively in a large project environment - Creating mock-ups of dashboards/charts for user review during requirements finalization - Utilizing Agile/JIRA experience, being SCRUM Trained - Previous experience in GSIB is preferred - Participating in Scrum Calls for assigned EPIC - Formatting EPIC summary authoring - Creating EPIC Feature List/Product Design - Analyzing, writing, and grooming stories - Classifying/Maintaining stories - Conducting Data Analysis - Writing Application Services User Guides - Providing Prod Support upon code delivery - Supporting Test Analysis for SIT/UAT - Possessing excellent communication skills In this role, you will work closely with stakeholders across Business lines for transformation projects, understanding their business processes, and providing functional design inputs for proposed technology solutions. You will be responsible for creating high-quality documentation for Business and Functional Requirements and ensuring traceability of requirements from BRD to Test Plan/Results. Additionally, your role will involve analyzing large data sets, creating flow diagrams, preparing high-level summaries and workflows, and collaborating closely with development leads on enhancements and defects. You will engage successfully with software developers and testers to ensure quality delivery on time. Your responsibilities will also include planning, estimating, managing risks and issues, project reporting, managing stakeholders, and building strong relationships with the business. You will assist in project execution through JIRA, providing tracking to technical teams, and offering status updates to internal and business stakeholders.,

The role of VP - Regulatory Reporting at OakNorth Bank is an individual contributor role based in Gurugram ONGPL. As a new fast-growing bank in the UK, OakNorth Bank is a CRDV firm subject to a full suite of regulatory returns including COREP, FINREP, PRA/FSA, FCA returns, and BOE returns. The bank is in the process of implementing a new end-to-end regulatory reporting system, with the implementation expected to commence from June 2023. The ideal candidate for this role will be responsible for driving this project and fulfilling key responsibilities within the regulatory reporting domain. One of the key opportunities in this role is to learn all regulatory returns across capital, liquidity, and leverage. The Regulatory Reporting team is also accountable for daily liquidity reporting, ALCO reporting, and IRRBB reporting to support Treasury balance sheet management activities. With a diverse range of products and continuous new product launches, the candidate will be expected to research the regulatory impact and provide insights into new product development. Working in a small team, this role offers the opportunity to closely collaborate with individuals across all levels, teams, and locations, thereby contributing to team-building as the bank grows. The candidate will gain experience in various regulatory areas such as liquidity, credit, interest rate risk, treasury, and other balance sheet reporting. Furthermore, involvement in cross-functional projects and exposure to new product initiatives during the bank's growth phase are additional highlights of this role. Key responsibilities include producing liquidity, credit, and banking exposure reports, handling balance sheet driven returns, managing capital and RWA returns, ensuring compliance with regulations and SOPs, preparing management information, supporting the production of treasury ALCO packs, and maintaining reporting integrity. The candidate will also be responsible for governance tasks such as maintaining finance team governance tracker, SOP updates, audit/regulatory action tracking, and responding to regulatory queries. The ideal candidate should possess very strong Excel skills, data analytical skills, and problem-solving abilities. A minimum of 5+ years of post-qualification experience in Regulatory Reporting, particularly Basel Reporting - Liquidity, Capital, and RWA reporting, is required. Experience in the Financial Services industry, particularly in the UK Regulatory (PRA/BOE), Treasury, Risk management, or related fields is essential. Strong communication skills, adaptability to change, a control mind-set, and a keen learner attitude are also expected from the candidate. Academically, a degree qualification in Accounting/Finance and graduation/post-graduation from a top-rated college/CA/MBA Finance/CFA/FRM/PRM/ACT is preferred. About OakNorth Bank: OakNorth Bank empowers entrepreneurs to realize their ambitions, understand their markets, and apply data intelligence to scale successfully at pace. The bank's belief in barrier-free banking is inspired by its entrepreneurial spirit, unmet financial needs, and data-driven tools. OakNorth Bank strives to create an inclusive and diverse workplace where individuals can thrive professionally and personally. The bank's story is rooted in frustrations with traditional banking, leading to the establishment of a bank founded by entrepreneurs, for entrepreneurs, offering a better borrowing experience for businesses.,

We are seeking self-motivated and analytically driven professionals to join our Risk Analytics team. The ideal candidate to have a strong background in Credit Risk or Portfolio Risk Management , with the ability to derive actionable insights through robust data analysis. You will work closely with cross-functional teams and contribute toward maintaining and improving portfolio quality across lending products. Key Responsibilities Develop insights and recommendations to support business decisions and risk mitigation strategies Contribute to Expected Credit Loss (ECL) modeling, loss forecasting, and stress testing exercises Evaluate Early Warning Signal (EWS) frameworks using internal and external data sources as well as developing & deploying new models Collaborate with Credit, Product, and Business teams to drive risk-based strategies Participate in portfolio performance reviews and highlight emerging risk trends Required Skills & Competencies Experience in portfolio risk assessment, especially in Retail and/or SME lending Strong analytical skills with an eye for detail and a problem-solving mindset Proficiency in Python for data analysis and model development Advanced Excel user able to work with pivot tables, lookups, and automation Self-starter with the ability to work independently as well as in a team environment Familiarity with credit appraisal processes and risk assessment methodologies is an added advantage Educational Qualifications CA / MBA / B.Tech / Postgraduate degree in Statistics, Economics, or related quantitative field Experience 1-2 years of experience in the lending business of a Bank or NBFC Preferably worked in Credit Risk / Portfolio Monitoring / Risk Analytics functions

Experience in credit monitoring - financial modelling and credit risk assessment memos Preparing opinion-based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology.

Senior Team Manager- Credit Risk Data Analytics It is recognized that the size and complexity of Shell Trading & Supply (T&S) has increased substantially over the past few years and the expectations around risk management from a regulatory perspective have also shifted for Energy Trading. As a result, and also recognising the potential to unlock additional value from enhanced risk management of our trading activities, a strategic decision has been made to make a major investment over the next 3-4 years to strengthen the risk management capabilities of the organisation from a people, process, data and systems perspective in both the first and second lines of defence. The Credit Data Analytics team within Credit focuses on the delivery of regular and ad hoc credit risk reporting and portfolio analytics to the commercial teams, the risk management teams and various other stakeholders such as the TSLT, EC and the production of risk information which will flow into external financial reporting. This role relates to Trading & Supply division (T&S). Primary stakeholders are commercial teams, credit risk managers located in T&S hubs of London, Houston, Rotterdam, Dubai and Singapore. The role is focused on providing support for credit reporting and analytics activities globally. Principal Accountabilities: The candidate will be responsible to lead and manage a high performing team that supports the development and operations of global credit risk reporting activities within T&S, including working with IT and other organisations to resolve issues where they arise. Develop and conduct credit risk analytics on both a pre- and post-deal basis; including, but not limited to, Potential Future Exposure (PFE), portfolio analytics, expected credit loss (ECL), credit value adjustment (CVA), credit reserves and cost of credit analysis. Combine business understanding with logical data modelling and process design skills to integrate new T&S businesses and enhanced activities into global operations. Ensure reporting and analytical tools have clear and appropriate documentation and controls. Develop and enhance appropriate data visualisations to support the use of credit reporting and analytics e.g. Spotfire, Power BI and/or other visualisation tools. Understand the key ETRMs of T&S, with in-depth knowledge of how systems in their region interact with Risk systems and tools. Train users on how to conduct analysis in tools developed and supported by Risk. Provide support and direction to Risk colleagues. Collaborate with and support Commercial Credit Market Risk Valuation teams with production reporting, transformation projects and other ad-hoc requests. Technical/Experience Requirements for the role: 2-5 yrs of team management will be required for this role and a min. of 8 years of professional experience on the following requirements below: Commodities Trading Risk Management Credit Risk Managment- Strong knowledge of Credit Risk fundamentals required and a desire to develop knowledge in other risk areas, such as Market or Operational Risk, preferred. Credit Risk concepts - ECL (Expected credit loss), Net Credit Exposure, PFE (Potential Future Exposure), Credit Reserves Technical Skills - SQL Server, BI tools like PBI or Tableau Experience with advanced Excel, SQL, Alteryx and/or database knowledge desirable. Experience in data visualisation Power BI, Spotfire, QlikSense or other, preferred. Finance or Mathematics Degree preferred CFA or GARP certificates preferred Prior risk experience within commodity markets , such as LNG, Oil, Gas, Power and/or Carbon preferred. Exposure to the types of conceptual, quantitative and data challenges faced in a complex trading environment with multiple ETRMs and sources of data is preferred. Excellent attention to detail, methodical, organized and able to plan to meet deadlines. Resilient when working under pressure, with the ability to prioritise tasks to meet deadlines Self-starter, highly motivated,outcome driven. Good judgement to provide advice, question discrepancies, escalate issues. Learner mindset: innovative and creative, excellent problem-solving capabilities including the ability to analyse, model and interpret data. Strong interpersonal and team working skills in order to communicate with various different stakeholders across Risk, IT and Commercial, all with varying needs.

At Aspire, we re more than just a FinTech company we re the leading all-in-one financial operating system built to empower the world s innovators and entrepreneurs. We are on a mission to reinvent business finance, empowering startups and businesses to realise their full potential. Founded in 2018, Aspire has raised over USD 300M+ across equity and debt from world-class investors. In 2023, we successfully closed an oversubscribed USD 100 million Series C equity round led by Sequoia Capital and Lightspeed Ventures with participation of Tencent, Paypal Ventures, LGT Capital Partners, Picus Capital and MassMutual Ventures. To power our solutions, we have partnered with some of the best companies in the world such as Visa and Wise and empowered more than 50,000 businesses using our suite of products. Aspire has consistently been recognized for excellence, earning Best Employer and Startup of the Year by the Asia FinTech Awards in 2022 and 2023 , ranked as LinkedIn s Top Startup in Singapore , and listed on CB Insights Top 100 Global Fintech in 2023 and 2024. You will be amazed by the energy and experience of our team! Aspire serves as an environment for you to innovate and drive change with our team of ex-entrepreneurs, ex-founders, and high-achievers with international and diverse backgrounds. Are you a top talent who is passionate about entrepreneurship? Join our rapidly growing team to make an impact in the fintech space! About the team At Aspire, the Finance team plays a strategic and pivotal role in Aspires continued expansion. Our comprehensive Finance function encompasses six key verticals: Financial Controlling, Treasury, Finance Analytics, Strategic Finance & Planning, Credit Risk, and Finance Strategy & Operations. From conducting in-depth strategic data analysis to spearheading Finance transformation initiatives with our Aspire software, youll directly contribute to critical business decisions in a dynamic market. This is an exciting chance to be part of a team that values strategic thinking, innovation, and robust controls in a hyper-growth environment. About the role Credit Underwriting for Aspires MSME loan portfolio Responsible for evaluating and underwriting small business loan applications Analyze financials, banking behavior, and business viability of micro and small enterprises while ensuring compliance with internal credit policies and regulatory norms Analyze and create credit memo for new and renewal applications for credit products Minimum Qualifications: Bachelor Degree in Finance, Commerce, or Economics 0-2 years of experience in MSME loan underwriting / credit analysis Freshers with strong internships in credit/risk welcome Proficiency in bank statement analysis, ITR review, and GST cash flow trends Strong understanding of financial statements and financial ratios Preferred Qualifications: BA/PGDM (Finance/Risk) Strong analytical and documentation skills Basic understanding of cash flow-based lending or surrogate income models Good communication skills to coordinate with sales and operations teams What we offer Uncapped flexible annual leave. Hybrid work arrangement. Training subsidy for your professional growth. Wellness benefit. Team bonding budget to foster collaboration and sense of belonging. Flexibility to work from anywhere (for up to 90 days per annum). Culture is Key: We always strive to cultivate a special culture that brings special talents together - You can learn more about our culture on our careers site and LinkedIn Life page .

The role of the Credit Manager will require a strong understanding of industry knowledge market intelligence and underwriting processes at BFL to ensure that only credit worthy firms Individuals are extended loans in line with BFL s risk policies. BFL is currently in the process of scaling up its used car business and the incumbent for this role is expected to bring in industry level insights from credit, risk as well as process perspective. 1. FTL 2 - Used Car loans Monthly disbursements are expected to cross INR 100 Cr in these businesses by September 2018. This role reports to the Regional Credit Manager. This role covers pan India strategy for used car loans from sale purchase, balance transfer as well as re-finance perspective. Key Responsibilities: 1. Underwriting of used car loans business 2. Incorporate industry best practices with respect to processing turn-around, risk metrics and policy 3. To provide an inside perspective on under-writing as managed by the leading financiers in the industry 4. Drive ownership of internal processes compliance with underwriting policies 5. Support Business, Risk Operations in meeting the long term goals of the respective businesses Required Qualifications and Experience "1. Chartered Accountant / MBA with atleast 3 years of experience in financial services under-writing 2. Atleast 3 years under-writing experience in used car loans with a reputed bank/NBFC Skills 1. High process orientation 2. Good analytical skills 3. Positive attitude. 4. Good communication skills, with proficiency in English. 5. Ability to interact and build common ground with various stake-holders in the business"

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

Key Qualifications: Proven experience as a Business Analyst in Capital Markets and Finance domains. Preferred experience in Model Risk and Operational Risk areas. Technical & Methodology Skills: Strong understanding and hands-on experience with Agile methodologies. Basic knowledge of SQL ability to query and analyze data at a foundational level. Core Responsibilities: Engage with business users and stakeholders to gather, analyze, and groom requirements. Create Functional Requirement Documents (FRDs) and other supporting documentation. Develop and maintain user stories with clearly defined functional acceptance criteria. Coordinate and assist users during User Acceptance Testing (UAT) phases. Act as a liaison between business and development teams to provide clarifications and resolve requirement-related queries. Interact effectively with senior stakeholders and communicate project updates or blockers in a timely manner. Certifications (Preferred): IIBA - Certified Business Analysis Professional Mandatory Competencies BA - BA - Requirement Gathering BA - SQL Domain Areas - FS Domain - Capital Markets BA - Create Specifications BRD/ FRD Beh - Communication and collaboration Agile - Agile - SCRUM

What will your day look like - Leading a dynamic team to deliver high impact risk solutions across credit risk (underwriting, exposure controls and line management). - Work with stakeholders across product management, data science, and engineering to build relationship with the partner teams and drive implementation of risk strategies - Manage challenging time constraints to ensure on-time delivery of projects. - Work closely with partner teams in identifying, evaluating, and recommending new data that helps in risk differentiation. - Analyze loss trends and simulate risk decisioning strategies that help optimize revenue, approval rates etc. - Work closely with data science team and recommends credit risk decisioning and model deployment strategy. - Build a risk scorecard that leverages both internal performance data and external performance data that will be leveraged for credit decisioning at both underwriting and account management reviews for existing customers. - Collates analysis and builds presentations that helps articulate the risk strategy for the leadership team. To Help Us Level Up, You Will Ideally Have : - Quantitative background in engineering, statistics, math, economics, business, or related disciplines. - 5+ years experience in analyzing data and using database query language (e. SQL) analysis and programming and developer tools such as Python, R, data bricks in a finance or analytics field. - 2+ years of experience in leading high performing team of analysts. - Experience in working with non-traditional data such as social media will be a big plus. - Prior model building experience is a plus but not critical. - Possesses an analytical mindset and strong problem-solving skills. - Attention to detail and ability to multitask. - Comfortable working in a fast-paced environment and dealing with ambiguity. - Possesses strong communication, interpersonal and presentation skills; and ability to engage and collaborate with multiple stakeholders across teams. - Extremely proactive communicator willing to raise flags when needed and keep team members informed of ongoing risk or fraud related activities.

About The Role Grade M3/M4/M5 Role Team Member - Credit Risk Analyst Department Risk Management Reporting Relationship Team Lead Credit Risk Location Mumbai Role Requirements Credit Risk Analytics and Modelling Analyse, model, validate and document various measures of Credit Risk for use in Expected Credit Loss and Capital computations. Hands-on experience in building, implementing, documenting, monitoring, validating, refining models and scorecards in particular for PD, LGD, EAD and related Credit Risk metrics - using statistical methods and or expert judgement based techniques. In depth understanding of the techniques and functional insights that drive Credit Risk models and the experience of having used modelled output in computing Expected Credit Loss (ECL) under Ind AS, Credit Risk Capital under Internal Ratings based approaches, Economic Capital and having taken these measures through the scrutiny of auditors and regulators. This is the main requirement of the role and the individual should have a good knowledge of this function. Derive insights from data and effectively communicate these insights to Risk, Credit and Business teams. Develop Risk Dashboards and analytical reports for Senior Management. Preparing and submitting reports to the regulator and or senior management on a periodic and adhoc basis. The job-holder will be responsible for computing and reporting ECL and related metrics on an on-going basis. Ability to work with (gather, consolidate, prepare, summarise) large data sets on a routine basis with an eye for detail and flair for numbers. Data cleansing and preparation for use in model building. Ensure reliability, integrity and consistency of reported and underlying data Pre-Requisites About 4 to 8 years of experience in a Bank, NBFC, Consulting Firm, Rating Agency in the areas of working PD, LGD, ECL, EAD. Exposure to risk reporting or financial reporting would be an advantage. Degree in statistics, mathematics or econometrics (or equivalent professional qualifications) with hands-on experience in statistical model development, implementation, validation would be an advantage. Experience and expertise in using any one or more among Python SAS R. Intermediate level SQL skills will be useful. Strong experience in areas like delinquency or loan loss forecasting, expected credit losses capital computation under advanced approaches. Above average to advanced excel skills Experience in projects involving automation data consolidation in the areas of risk or financial reporting would be an advantage Skills and Knowledge CA or MBA with FRM preferred Understanding analysis of various types of credits Proven management and supervisory skills Excellent interpersonal skills, verbal/written communication skills and strong project management skills Above average to advanced excel skills Experience in working with Python, SQL or SAS would be an added advantage.

About The Role 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 evaluationStock 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

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations New Associate Qualifications: BBA/BCom/Bachelor of Corporate Secretaryship Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do You will be aligned to our Financial Services and banking sector by helping the client on lending Residential Mortgages to qualified borrowers.You will be working as a part of Lending operations team which requires validation on Credit, Income, Asset & Collateral documents in line with the client credit policy, procedures, and turnaround times.The mortgage team focuses on lending home mortgages to the qualified borrowers by complete validation of required documents. The role requires a good understanding of credit analysis, financial analysis, onshore collaboration and document evaluations. What are we looking for Ability to work well in teamCommitment to qualityExcellent analytical and problem-solving skillsDetail orientationWritten and verbal communicationProficient in relevant software applications, such as Microsoft Office and financial analysis tools Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines.Your primary interaction is within your own team and your direct supervisor.In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised.You will be an individual contributor as a part of a team with a predetermined, narrow scope of work.Please note that this role may require you to work in USA shift which operates between 06:00PM to 03:30AM IST. Qualification BBA,BCom,Bachelor of Corporate Secretaryship

We are looking for a highly motivated and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch's receivables, ensuring timely payments and minimizing bad debts. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and disputes related to loan recoveries. Analyze financial data to identify trends and areas for improvement in the bank's receivables portfolio. Maintain accurate records and reports on receivables, including aging analysis and credit risk assessments. Ensure compliance with regulatory requirements and internal policies related to loan recovery practices. Job Requirements Strong knowledge of banking regulations and laws governing loan recoveries and collections. Excellent communication and interpersonal skills to build strong relationships with customers and internal stakeholders. Ability to analyze financial data and provide insights to inform business decisions. Proficiency in MS Office and other software applications relevant to accounting and finance. Experience working in a fast-paced environment with multiple priorities and deadlines. Strong problem-solving skills to resolve complex issues related to loan recoveries and collections. Location - Arakonam,Chennai,Ponneri,Vellore

We are looking for a highly skilled and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-4 years of experience in the BFSI industry. Roles and Responsibility Manage and oversee the daily operations of the branch receivables function. Develop and implement strategies to improve cash flow and reduce bad debts. Collaborate with cross-functional teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement. Ensure compliance with regulatory requirements and internal policies. Maintain accurate records and reports of all transactions and activities. Job Requirements Strong knowledge of accounting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other software applications. Strong analytical and problem-solving skills. Ability to maintain confidentiality and handle sensitive information. Experience working in a similar role within the BFSI industry is preferred.

About The Role - Kotak Mahindra Bank looking to hire Team Member-Credit Risk " Credit Risk Analytics and Modelling Analyse, model, validate and document various measures of Credit Risk for use in Expected Credit Loss and Capital computations. Hands-on experience in building, implementing, documenting, monitoring, validating, refining models and scorecards in particular for PD, LGD, EAD and related Credit Risk metrics - using statistical methods and or expert judgement based techniques In depth understanding of the underlying statistical techniques and functional insights that drive Credit Risk models and the experience of having used modelled output in computing Expected Credit Loss (ECL) under Ind AS or Credit Risk Capital under Internal Ratings based approaches, Economic Capital and having taken these measures through the scrutiny of auditors and regulators Derive insights from data and effectively communicate these insights to Risk, Credit and Business teams" Preparing and submitting reports to the regulator and or senior management on a periodic and adhoc basis. The job-holder will be responsible for computing and reporting ECL and related metrics on an on-going basis." Ability to work with (gather, consolidate, prepare, summarise) large data sets on a routine basis with an eye for detail and flair for numbers. Data cleansing and preparation for use in model building." Ensure reliability, integrity and consistency of reported and underlying data" Build and manage a team of like-minded data analysts and modellers" Between 8 and 12 years of experience in the areas of risk and data analytics particularly in the area of Credit Risk. Exposure to risk reporting or financial reporting would be an advantage." Degree in statistics or econometrics (or equivalent professional qualifications) with hands-on experience in statistical model development, implementation, validation and use is highly desirable" Extensive experience and expertise in using any one or more among Python SAS R. Intermediate level SQL skills will be useful." Strong experience in areas like delinquency or loan loss forecasting, expected credit losses capital computation under advanced approaches." Experience in projects involving automation data consolidation in the areas of risk or financial reporting would be an advantage

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing. Monitor and analyze credit portfolio performance to identify areas for improvement. Provide expert guidance on credit-related matters to internal stakeholders. Stay updated with regulatory changes and industry trends to enhance credit operations. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Proficiency in credit software applications and systems. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment with multiple priorities. Strong communication and interpersonal skills to build relationships with customers and stakeholders. Experience in the BFSI industry, preferably in a similar role as a Credit Officer.

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance 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. MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies Infants Job Requirements : CA Inter CA MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance 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 Requirement: 3 to 8 years MBA (Finance)/CACredit Analyst/Credit Manager

Ambit Finvest Pvt. Ltd. is a systemically important ND-SI Non-Banking Financial Company (NBFC) with an AUM of approximately 5000 Cr. Backed by the renowned Ambit Group, India's most respected investment banking and financial services group, Ambit Finvest focuses on helping Entrepreneurs and Business Owners realize the true potential of their businesses through SME Finance. With a presence across PAN India, Ambit strives for continuous growth. The team at Ambit comprises individuals with intellectual depth, extensive experience, incisive knowledge, and an appetite for sustainable growth. As a Policy and Risk Manager in the Vehicle Finance department within the Credit and Risk division, you will report directly to the Chief Risk Officer (CRO) and be based in Mumbai. The ideal candidate should hold a CA or MBA qualification with 5-6 years of relevant experience. Your responsibilities will include: - Monitoring industry trends, key factors affecting the industry, local market trade performance, and regulatory impacts. - Reviewing the portfolio monthly in terms of delinquency, losses, and fraud for the underwritten period, utilizing advanced Excel and PowerPoint skills. - Supporting the delivery of Business Volumes by focusing on operational efficiency through process enhancements and effective policy implementation. - Developing various Policies and Programs in a timely manner and ensuring adherence to the policies and procedures by the Credit Function. - Conducting policy trainings and tests to clarify the stand on Policies continuously. - Compiling and extracting data for various analyses, preparing structured MIS for meaningful interpretation. - Creating DGV (Depreciated Grid Value) and regularly monitoring Vehicle prices for timely corrections if necessary. - Identifying Early Warning Risk Indicators by monitoring triggers and periodically reviewing the portfolio against various parameters. - Monitoring triggers as outlined in LPOs and other schemes, updating, and following up with Credit/sales for adherence/exceptions. - Continuously monitoring Risk Triggers set against each program and tracking disbursements to ensure sourcing quality aligns with projections. - Quantifying major parameters for objective monitoring of portfolio quality and initiating corrective action plans for triggered deviations. - Modifying approval matrices, following up with sales/credit for sourcing corrections, and reporting key trends in markets. - Ensuring corrective plans maintain Net Credit Losses within budgeted levels and discontinuing policies contributing to higher losses. - Addressing unplanned growth affecting portfolio quality in geographies and delegating deviations to line teams. - Developing scorecards and possessing good knowledge of systems for faster TAT delivery without compromising on Risk parameters. If you believe you meet the qualifications and are ready to take on this challenging role, please send your application to shweta.rathore@ambit.co.,

Work with team of onshore analysts to cover Lev Fin credit portfolio Prepare quarterly financial spreads and memos Prepare opinion based annual credit risk reports and financial spreads based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Determine and recommend ratings to the entity based on the internal rating framework and methodology. Regular interaction with client to discuss reports as well as workflow Engage with client teams proactively

Job Title: RSK-Credit Risk Job Code: 10660 Country: IN City: Mumbai Skill Category: Risk Description: to be updated