1409 Credit Risk Jobs - Page 12

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. we'llness benefit. Team bonding budget to foster collaboration and sense of belonging. Flexibility to work from anywhere (for up to 90 days per annum)

As an ideal candidate for this position, you should possess a solid background in Corporate Insurance, Credit Insurance, and comprehensive knowledge of the end-to-end insurance process. Your experience should cover various types of insurance such as Marine, Fire, and Corporate Insurance. Your responsibilities will include negotiating with insurance agencies to establish policy terms, finalizing insurance agencies during onboarding and renewals, and ensuring credit limits are approved before client onboarding. You will be accountable for sharing MIS files with insurance agencies, timely filing of NNP and claims, and ensuring all necessary documents are submitted for claims. Additionally, you will be required to develop and implement SOPs and policies for the insurance process, along with maintaining MIS related to NNP and claims. The essential skills for this role include a deep understanding of Credit Insurance Practices/Processes, credit limits, and credit risk. Proficiency in Excel is crucial for this position. A B.Com degree is a minimum requirement, while an MBA would be considered an added advantage.,

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's receivables. Develop and implement strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to resolve customer complaints and issues. Analyze financial data to identify trends and areas for improvement in receivables management. Ensure compliance with regulatory requirements and company policies. Maintain accurate records and reports of all transactions and interactions with customers. Job Requirements Strong knowledge of BFSI industry practices and regulations. Excellent communication and interpersonal skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Proficient in Microsoft Office and other relevant software applications. Experience working with CRM systems and managing large datasets. Competitive salary and benefits will be offered to the right candidate.

Embark on a transformative journey as an ICAAP and CCR Stress testing at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. you'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. The role holder will work both independently and as part of a team to provide expert analysis and commentary on the bank s wholesale credit and counterparty credit risk profile and internal capital assessment. This is an exciting opportunity for someone who wants to work with, Treasury and Capital Management, Trading and Banking teams to understand the risk on wholesale credit risk (WCR), derivative and financing transactions. To be a successful ICAAP and CCR Stress testing you should have experience with: Strong track record in risk management. Detailed understanding of CCR and WCR models (EEPE, PFE, RWA, LGD, EAD and Economic Capital) and capital calculations. Detailed knowledge of Financial Markets, Wholesale Credit and Derivative Products and strong analytical skills with a high attention to detail. Experience in dealing with large and complex data structures and stress testing methodologies. Some other highly valued skills may include: Related professional qualifications (eg FRM, CFA, CQF). Bachelor s degree in Finance, Engineering or a Mathematical or Quantitative related field. Regulatory knowledge (CRR, PRA, EBA). Knowledge of econometrics methods used in risk modelling. You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking, as we'll as job-specific technical skills. The job location of this role is Mumbai. Purpose of the role To assess the capital requirements of the banks credit portfolio under various economic and risk scenarios and design and execute stress testing exercises to measure the potential impact of adverse events on the banks credit losses, risk-weighted assets, and capital adequacy Accountabilities Development and maintenance of stress testing models and methodologies for different credit portfolio segments. Designing and execution of stress testing scenarios incorporating diverse macroeconomic factors, industry trends, and portfolio-specific risks. Analysis of the efficiency of capital allocation across different business lines and products. Analysis and interpretation of stress test results, including forecasting expected credit losses, risk-weighted assets, and capital needs. Management, and analysis of large datasets relevant to credit risk and stress testing. Assistant Vice President Expectations To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. Lead a team performing complex tasks, using we'll developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others. OR for an individual contributor, they will lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. Complex information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders to achieve outcomes.

The Credit Officer is responsible for the appraisal and approval of the loan application on the basis of the power delegated to the and for onward recommendation of the same to the credit team. Key Responsibilities Appraise or underwrite the loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority Assess the income, ability, intention, and credit behavior of the applicant and verify it documents and reference checks as we'll as from credit bureaus Evaluate all the credit risk parameters and implement measures to mitigate the same Prepare the Credit Approval Memo and manage the overall TAT and approval rate Ensure complete adherence to the laid down policy and procedure / process Qualifications Diploma/ Graduation from a recognized institute Role Proficiencies Knowledge of credit, banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines

Detailed job description - Skill Set: Technically strong hands-on Self-driven Good client communication skills Able to work independently and good team player Flexible to work in PST hour(overlap for some hours) Past development experience for Cisco client is preferred.

Detailed job description - Skill Set: Technically strong hands-on Self-driven Good client communication skills Able to work independently and good team player Flexible to work in PST hour(overlap for some hours) Past development experience for Cisco client is preferred.

Detailed job description - Skill Set: Technically strong hands-on Self-driven Good client communication skills Able to work independently and good team player Flexible to work in PST hour(overlap for some hours) Past development experience for Cisco client is preferred.

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time Work from Office Hours: Monday Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelors degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time Work from Office Hours: Monday Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelors degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Affordable housing loan gram panchayat and Gautham property knowledge must. • Visiting business premise, property of customer at the time of PD in HL/Lap • Ability to understand customer business and requirement from their perspective Required Candidate profile Male Graduate with 2 - 5 years’ experience underwriting and sanction of home loan/LAP Understanding credit worthiness of customers observation & findings of PD gram panchayat and Gautham property

Project description Luxoft requires a strong Business Analyst to lead several initiatives as part of the Counterparty Credit Risk Technology team. The deliverable will incorporate business and technology deliverables including system upgrades, business workflows and migrations, risk data and control implementations. In this function, the business analyst is responsible for high quality analytics requirements produced by the team, definition of target operating model, testing, training, and user support for various projects focused on Traded Credit Risk. Responsibilities Work with relevant stakeholders (Traded Risk Management, Limits Monitoring, Reporting, Front Office etc) globally to deliver solutions for Counterparty Credit Risk (CCR) management and Front Office. Responsible for the implementations of the Counterparty Credit Risk models (MtM simulation, PFE, EEPE, IM and VM collateral modelling and aggregation). Work with external vendor and internal team on the upgrade of our pricing models and support the regression testing and model validation. Manage measure implementations in ActivePivot including the dynamic collateral modelling under simulation (both IM and VM) and work closely with Model Validation to ensure approval for these models. Be an interface between Risk managers, Counterparty Credit Risk Modelling and FO teams to collate all requirements and ensuring that these are translated into tangible ITO deliveries Writing business requirements documents that fully and clearly cover the user requirements. Planning the required testing ensuring traceability between requirements and test cases Undertaking functional testing of the delivered functionality to ensure it meets the requirements, where required documenting issues and managing to resolution Providing expert support to the business during User Acceptance Testing Providing user training and support for system implementations including performing user verification testing where required. Skills Must have 6-12 years of functional experience in Counterparty Credit Risk Good understanding of financial & capital markets domain with sound knowledge of products in Financial Market trading (OTC, Derivatives and Repo products). Advanced SQL knowledge Coordinate User Acceptance Testing Ability to multi-task and liaise directly with Risk Managers, IT partners and Front Office members. Familiarity and demonstrates confidence working in an agile development environment Self-starter who can manage timelines, drive/facilitate requirements and communicate with Developers Nice to have Any experience with technologies such as PostgreSQL, Kafka or ElasticSearch is a plus. Oracle PL/SQL knowledge, SQL Tuning is a plus Scripting programming in Python is a plus

Project description Our customer is a leading private bank in India that provides front-to-back integrated treasury solution. Bank is embarking upon first ever Murex upgrade (v3.1.38 to v3.1.6x) since implementation. Luxoft has been chosen as the System Integrator partner for this project and will have key roles across all the streams - Front Office, Back Office, Finance, Risk, Integration, Reporting, Test Management, Configuration & Environment management. We are looking for experienced & motivated Murex colleagues to join this exciting program and contribute towards the success of this engagement Responsibilities Functional testing of various modules in Murex Understanding business , technical requirements, design solution and translate them into Test scenario and Test cases Execute full test cyclesscenario execution, test execution, defect logging, and re-testing. Perform file reconciliation (Source vs Target) and first level of analysis Execute test cases during SIT and Support business users during UAT Working collaboratively with other teams during test preparation and execution activities. Manage defect lifecycle using tools like JIRA Producing clear and concise reports during the lifecycle of an automation project Skills Must have 2 to 8 years of working experience in Murex projects. Exposure to FO/BO (Market Risk, Credit Risk, Collateral, Accounting, Interface Workflows, or Hedge Accounting) module would be an added advantage Good understanding of Murex trade, events life cycle & interfaces Strong manual testing skills with full-cycle testing experience in Murex projects. Good domain knowledge of at least one capital market asset class (FXC, FXD, FI, IRD, MM). Nice to have Prior experience on Murex Upgrade projects Exposure to reports development, workflow configuration or EOD Experience in working with Indian Banks

Project description This role is for a Credit Risk Consultant working with a leading bank to implement credit risk functionalities using Murex MLC. The consultant will support technical and functional delivery across modules while working closely with internal teams and vendors. Responsibilities Work as a Credit Risk Consultant on Murex MLC. Configure Risk Settings, Limits, MLC Formulas, Excess Management, and Limits Engine. Write SQL scripts and automate using shell scripting; handle scheduling via Control-M or Autosys. Support testing and deployment activities end-to-end. Liaise with cross-functional teams to implement changes. Provide troubleshooting support and documentation. Skills Must have 4+ years of experience in a similar role. Strong understanding of credit risk exposures and hands-on delivery experience. Familiarity with PFE, xVA, compliance, and collateral practices. Knowledge of IRS, CCS, FX Forward instruments, and pricing. Regulatory exposureBasel II/2.5/III, SA-CCR, SIMM, FRTB-xVA. Experience with Murex (MLC), Markit, Calypso, or similar tools. Good problem-solving and communication skills. Nice to have MLC-specific configuration knowledge (LRB, Limits Engine). Agile environment exposure. Data validation and reconciliation skills.

Project description We've been engaged by a large Australian financial institution to provide resources to their upcoming Murex Binary Upgrade project. This Bank is considering moving from Current Murex version 42 to latest higher version ( V56 or 58) to include changes Majorly impacting the Collateral / Market Risk / Credit Risk/ Ops and settlement functionalities and modules. There are also some impacts in MX technical areas , Reporting and EODs. We require an experienced Murex XVA Functional BA as a part of this upgrade project Responsibilities Co-ordinating model validation activities for credit risk/market risk Has strong analytical and problem-solving skills and excellent communication and interpersonal skills for interacting with business users and the vendor Works closely with Risk & MO users in understanding requirements to build new CR functionality Often works individually in resolving issues, and in coming up with and delivering solutions that meet Risk & MO requirements Analyses and resolves issues related to system configuration, Credit Risk, limits management, interfaces, etc Escalates identified issues / risks in a timely manner to IT and Business managers Provides detailed information about issues to the vendor, and co-ordinates with them in testing fixes / solutions Acts as an intermediary between business and vendor Is able to assist in resolving issues around general system configuration, User Groups, Access Rights, Portfolios, etc Provides training to business users and assists the business in adapting to the Murex environment Ensures documentation and deliverables are consistent with defined standardsHas the ability to work under pressure to resolve critical issues and meet project deliverables PFE configuration expertise Availability of Real-time engine on the FO date of MX. Checking the syncing static data like counterparty, currency , country, portfolio. Skills Must have Overall 5 8 years of working experience Murex Knowledge and 3+ years of experience around PFE/XVA, Credit Risk calculations Murex Knowledge and 3+ years of experience around MLC (Implementation or migration projects) Configuration / optimization experience of latest Murex PFE and XVADesired Skills: Working level knowledge around Unix & SQL Murex Knowledge around P&L, Middle Office, Dynamic Tables, Static Data, GOM, Market Data, Market Operations Nice to have Deeper understanding of financial markets from a non-Risk & MO perspective all-round knowledge of the Murex application Domain knowledge Should possess an understanding of financial markets Basic knowledge on financial instruments such as Interest Rate Derivatives, Credit Derivatives, Currency Derivatives, Swaps, Futures, Options, FRA, etc. MBA (Finance) / Chartered Accountant / CFA / FRM /

Project description We've been engaged by a large Australian financial institution to provide resources against their different BAU change initiatives and ongoing programs. There is large and complex Credit Risk engine implemented in Murex to compute both the PFE and XVA, including real-time XVA analytics. Beyond functional enhancements, a key focus on that asset concerns the recoverability as well as overall performance requiring continual fine tuning. Responsibilities Has strong analytical and problem-solving skills, and excellent communication and interpersonal skills for interacting with business users and the vendor Works closely with Risk & MO users in understanding requirements to build new CR functionality Often works individually in resolving issues, and in coming up with and delivering solutions that meet Risk & MO requirements Analyses and resolves issues related to system configuration, Credit Risk, limits management, interfaces, etc Escalates identified issues/risks in a timely manner to IT and Business managers Provides detailed information about issues to the vendor, and co-ordinates with them in testing fixes/solutions Acts as an intermediary between business and vendor Is able to assist in resolving issues around general system configuration, User Groups, Access Rights, Portfolios, etc Provides training to business users and assists the business in adapting to the Murex environment Ensures documentation and deliverables are consistent with defined standardsHas the ability to work under pressure to resolve critical issues and meet project deliverables PFE/XVA configuration expertise Underlying Murex services and batch jobs optimizations Inbound/Outbound flows from Credit Risk engine maintenance Availability of Real-time engine on the FO date of MX. Checking the syncing static data like counterparty, currency, country, and portfolio. Skills Must have Murex Knowledge and 5+ years of experience around PFE/XVA, Credit Risk calculations in Murex Murex Knowledge and 5+ years of experience around MLC (Implementation or migration projects) Configuration/optimization experience of latest Murex PFE and XVA including Murex services and batch scheduling Deep level knowledge around Unix & SQL Murex Knowledge around MXML workflows, P&L, Middle Office, Dynamic Tables, Static Data, GOM, Market Data, Market Operations Nice to have Deeper understanding of financial markets from a non-Risk & MO perspective all-round knowledge of the Murex application Domain knowledge Should possess an understanding of financial markets Basic knowledge on financial instruments such as Interest Rate Derivatives, Credit Derivatives, Currency Derivatives, Swaps, Futures, Options, FRA, etc.

Project description This role is for a Lead Consultant with a leading European bank, focusing on credit risk and regulatory implementation using Murex (MLC). The consultant will drive the configuration and delivery of credit risk components across multiple teams and project phases. Responsibilities Function as a Risk Consultant specialized in Murex MLC for credit risk implementation projects. Lead design and implementation of modules including Risk Configurations, Limits Management, MLC Formulas, Limits Engine Configuration, Excess Management, and LRB. Apply strong SQL and shell scripting skills and manage tasks using job schedulers like Control-M or Autosys. Work with IT, infrastructure, and external vendors to integrate credit risk functionalities. Participate in complete SDLC activitiesdevelopment, testing, deployment, and support. Act as a liaison between IT and business teams to ensure delivery of fit-for-purpose solutions. Investigate issues proactively and contribute to system enhancements. Skills Must have 7+ years of experience in a similar role. In-depth understanding of credit risk concepts such as exposures, PFE, xVA, compliance, and collateral. 5-8 years of hands-on implementation experience in credit risk platforms. Strong knowledge of financial products and valuation techniques across asset classes (IRS, CCS, FX Forwards). Experience with Basel II/2.5/III, SA-CCR, SIMM, and FRTB-xVA frameworks. Proven expertise in credit risk systems like Murex MLC, Markit, Calypso, or Finastra. Excellent communication skills and ability to present technical issues to non-technical stakeholders. Strong analytical thinking and the ability to work independently. Nice to have Experience specifically with LRB and Limits Engine configuration in Murex. Familiarity with Agile delivery. Understanding of risk data governance.

Project description As a Business Analyst, you will play a key role in understanding and translating business requirements into technical solutions. Working closely with stakeholders, you will analyze and document business processes related to commercial lending, identify areas for improvement, and collaborate with cross-functional teams to implement effective solutions. You will bring a combination of business acumen, analytical skills, and a deep understanding of commercial lending practices. Responsibilities Requirements GatheringCollaborate with business stakeholders to understand and document requirements. Conduct interviews, workshops, and surveys to gather information from various stakeholders. Analysis and DocumentationAnalyze and document existing processes, workflows, and business rules. Identify areas for process improvement, efficiency gains, and risk mitigation. Data AnalysisWork with large datasets to extract meaningful insights Analyze credit risk, loan portfolio trends, and other relevant financial metrics. Solution DesignDevelop detailed business requirements and specifications for commercial lending system enhancements. Collaborate with IT and development teams to design and implement technical solutions. Stakeholder CollaborationFacilitate communication and collaboration between business users, IT teams, and other relevant departments. Provide ongoing support and clarification on requirements throughout the project lifecycle. Testing and Quality AssuranceParticipate in testing activities to ensure that proposed solutions meet business requirements. Conduct user acceptance testing and facilitate the resolution of any identified issues. Continuous ImprovementStay informed about industry trends and best practices Proactively identify opportunities for continuous improvement in processes and systems. Skills Must have At least 6 years of experience as a Business Analyst Core Business Analysis Skills Proven experience in requirement elicitation, documentation (BRD), and stakeholder management Strong skills in workflow mapping, solution design, and process modeling Experience working across cross-functional teams in agile and hybrid delivery models Domain Expertise Solid understanding of banking products across Assets and Liabilities Deep knowledge of Bank Balance Sheet structure and financial statement interactions Familiarity with the Basel III regulatory framework, especially metrics like LCR (Liquidity Coverage Ratio) NSFR (Net Stable Funding Ratio) Leverage Ratio, RWA (Risk-Weighted Assets), CET1 (Common Equity Tier 1) Data Engineering & Analytical Skills Hands-on ability to write SQL queries, work with large datasets, and perform data validation and reconciliation Understanding of data modeling, ETL processes, and data pipeline design Comfort with exploring and manipulating structured data from sources like EDWs, data lakes, and relational databases Reporting & Visualization Strong proficiency in Tableau Developing dashboards and data visualizations Optimizing performance for large datasets Implementing calculated fields, parameters, and interactive visuals Bonus / Nice-to-Have Skills Exposure to AWS, especially in the context of data querying or migration projects Nice to have N/A

Project description The Business Analyst will work with Moody's Credit Risk team of UK Based Investement Bank and work collaboratively with Country Finance, Treasury, Group Liquidity Regulatory reporting and BAU teams to understand requirements and articulate them within the Business and data requirements document Responsibilities To act as a business solution owner of the projects' target state and support analysis included in relevant concept and methodology papers required for preparation of BRDs To be accountable for ensuring that detailed requirements are documented in BRDs, and are duly signed off by relevant stakeholders To ensure that the new solutions comply with internal procedures / external regulatory guidelines and project deliverables are properly understood by business stakeholders, project team, and end-users. Analysis of new data sourcing to support ETL design and development Elicitation of data requirements and documentation of data mapping specifications for Funds Transfer Pricing (FTP) computation Analysis and fixing of data quality issues Validate all downstream data extracts To validate that the strategic system architecture proposed by Technology is fit for its business purpose and is in line with the agreed business target state To drive prioritization taking into consideration business benefits, delivery timelines, system performance etc. To centrally coordinate system interfaces/dependencies/change releases for the Treasury and Liquidity Reporting work streams and ensure alignment across all centres Test planning, coordinate testing, validate test results and obtain sign off from stakeholders To support the development of testing packs with predefined results sets To review test cases ensuring completeness of UAT coverage To monitor any gaps / defects identified, and work with Technology counterparts to track progress and ensure resolution Skills Must have 6-12 years of functional experience in Credit Risk, Capital risk, regulatory reporting change Management roles Good understanding of financial & capital markets domain with sound knowledge of products like equities, fixed income, derivatives, forex etc. Knowledge of Basel Capital regulations and good understanding of financial risk Expertise in SQL and Oracle tools. Experience with both waterfall & agile methodologies Experience in analysing data to draw business-relevant conclusions and in data visualization techniques and tools Strong communication and stakeholder management skills Nice to have unctional experience with Moody's Fermat/Risk Authority risk calculation and reporting engine

: Job Title: Payments Processing Operator, NCT LocationJaipur, India Role Description Margin and Treasury Operation (MTO) is an umbrella group covering the processing of Collateral Margin, Money Markets, and Nostro Management. It is a first Line of Defense function that responsible for minimizing Deutsche Banks counterparty credit risk on its collateralized derivatives portfolio The Money Market operations is responsible for confirmation matching, settlement of trades, follow up with the Traders / Desk, etc. The various tasks in this process include confirmation matching, chasing of confirmation with counterparty, monitoring of settlement system (WSS) queues and end of day monitoring. The MM ops team in India supports the APAC, European and the Americas region What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities The person will be providing oversight and governance for Money Market process that typically have a high level of client servicing, monetary exposure, regulatory risk and reputational /financial loss due to transaction nature, which can impact client relationships. Re-engineering the current process to meet the changing needs of the business. Leading/contributing to various rejects which are kicked off in the department to increase efficiency in the process. Responsible to carry out daily tasks effectively, efficiently and accurately protecting the Bank to any financial and Regulatory risks Responsible for Timely delivery of daily/Weekly /Monthly audit requests processing / customer query resolutions within provided Benchmark with the expected fashion. Complete and Confirm all the activity and escalation of outstanding trade queries as per processing queues Maintain the Quality and completeness as required by the business. Expected to monitor KPIs and KRIs of the process. Lead and contribute to Global initiatives that could be strategic and tactical. Should have detailed understating of Settlement & confirmation process. Strong operations management and project management skills are required. Ability to work autonomously and deliver results in a high-pressured environment. Ability to understand the process risk and ensure timely reporting and escalation of critical risks & non-compliance with policies, standards, and limits. Ability to challenge the status quo and drive the automation /process efficiency. Strong attention to detail and accuracy with an ability to notice minor discrepancies / issues. Strong verbal and written communication skills and effective interpersonal skills. Your skills and experience Strong organizational skills; ability to identify and prioritize multiple tasks based on criticality, impact and franchise importance. Exceptional communication skills verbal, written and presentation. Independent problem solver who demonstrates accountability as well as execution capability. Background in Collateral, Margin, Rates, Credit, FX, Securities, Treasury or Liquidity Management. Ability to independently coordinate and manage work requirements across multiple business areas and functions. Ability to work in a fast-paced, highly regulated environment. Ability to connect with people as well as desire to learn process flows. Dedication to servicing a demanding internal and external client base. Microsoft Excel skills to a good standard. How well support you

Role Purpose The role incumbent is focused on implementation of roadmaps for business process analysis, data analysis, diagnosis of gaps, business requirements & functional definitions, best practices application, meeting facilitation, and contributes to project planning. Consultants are expected to contribute to solution building for the client & practice. The role holder can handle higher scale and complexity compared to a Consultant profile and is more proactive in client interactions. Do Assumes responsibilities as the main client contact leading engagement w/ 10-20% support from Consulting & Client Partners. Develops, assesses, and validates a clients business strategy, including industry and competitive positioning and strategic direction Develops solutions and services to suit clients business strategy Estimates scope and liability for delivery of the end product/solution Seeks opportunities to develop revenue in existing and new areas Leads an engagement and oversees others contributions at a customer end, such that customer expectations are met or exceeded. Drives Proposal creation and presales activities for the engagement; new accounts Contributes towards the development of practice policies, procedures, frameworks etc. Guides less experienced team members in delivering solutions. Leads efforts towards building go-to-market/ off the shelf / point solutions and process smethodologies for reuse Creates reusable IP from managed projects Mandatory Skills: Market Risk. Experience: 5-8 Years.

Apac Financial Services Private Limited is looking for Cluster Credit Manager to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services Private Limited is looking for Cluster Credit Manager- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services PrivateLimited is looking for Branch Credit Manager- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Apac Financial Services Private Limited is looking for Branch Credit Officer- LAP, Mortgage to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities