479 Credit Risk Jobs - Page 14

Responsibilities Requisition ID R-10359114 Date posted 05/21/2025 End Date 06/30/2025 City Thane State/Region Maharashtra Country India Location Type Onsite Calling all innovators find your future at Fiserv. Job Title Jr. Data Scientist (Analyst III), Fraud & Credit Risk - Decision Science What does a successful Data Scientist, Fraud & Credit Risk - Decision Science do at Fiserv? As a Data Scientist in Fraud & Credit Risk - Decision Science at Fiserv, you will play a pivotal role in our Global Business Solutions (Merchant business) team. You will be responsible for developing and deploying predictive ML models that automate risk controls, reducing fraud and credit risk losses while driving top-line growth. Your efforts will generate insightful analytics, build models/rules, and create data-driven solutions to manage risk and identify new opportunities. This role interfaces with internal and external stakeholders to deliver best-in class analytical solutions and supports functions including New Merchant On-boarding & Underwriting, Existing Merchant Risk Monitoring, and more. What will you do? - Develop and deploy ML/predictive models using internal and external data. - Track and monitor model performance and provide analytical support for business decisions. - Conduct complex analysis using statistical and quantitative techniques. - Evaluate and integrate data from various sources for modeling, analytics, and reporting. - Generate insights from data to assess key performance indicators/trends. - Partner with business and technical SMEs to analyze and solve business problems. - Support the transformation of risk data capabilities through advanced technology and real-time decision-making. - Implement models and decision rules in production with IT/deployment teams. - Develop documentation to meet internal and external stakeholder requirements. - Coach junior team members and oversee project delivery. What you will need to have ? - Bachelors degree in Mathematics, Statistics, Computer Science, Engineering, or related field. - 7+ years of experience in risk/marketing data analytics or predictive modeling. - Proficiency in SQL, Python, SAS, or other analytical tools/open-source programming languages. - Strong technical skills and problem-solving ability. - Excellent communication and interpersonal skills. What would be great to have ? - Masters degree in Mathematics, Statistics, Computer Science, Engineering, or related field. - 10+ years of relevant experience. - Experience in statistical/financial modelling in the FinTech/Payment s domain. - Experience with credit bureaus and other external data sources. -Hands-on experience with AI/Money Laundering techniques Thank you for considering employment with Fiserv. Please: Apply using your legal name Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable). Our commitment to Diversity and Inclusion: Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. Note to agencies: Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions. Warning about fake job posts: Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address. Share this Job Email LinkedIn X Facebook

Job Summary As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. As a member of the Wholesale Portfolio Analytics team, you will be actively engaged in the implementation of extensive industry research and analytics initiatives tailored specifically for the Wholesale Credit Risk organization. Your role will involve conducting in-depth analyses of various industries to provide valuable insights and data-driven recommendations that will enhance our understanding of credit risk within the wholesale sector. By leveraging your expertise, you will contribute to the development of robust analytical frameworks and methodologies that will support informed decision-making and strategic planning within the organization. Job Responsibilities Industry Research Perform industry research using a combination of external and internal data sources. This research is designed to provide a credit perspective on various industries, supporting the organization in making informed credit risk evaluations and strategic decisions. Thematic and Portfolio Research Manage initiatives focused on identifying and analyzing emerging risk trends. This involves synthesizing data and insights to understand the impact of these trends on industry dynamics and credit risk. Develop Industry Models Create and refine models that project financial outcomes based on macroeconomic indicators. These models assist in forecasting industry performance and assessing potential credit risks, allowing for more accurate credit evaluations. Report Writing and Presentation Compile research findings into clear, detailed reports and presentations. Communicate analytical insights to senior management and other stakeholders, ensuring that the implications for credit risk are understood and actionable. Collaborate with Cross-Functional Teams Work with various teams to integrate industry research findings into broader credit risk management processes. This includes collaborating with stakeholders to develop tools and frameworks to manage credit risk. Monitor Industry and Economic Trends Track and evaluate industry developments and macroeconomic trends, updating models and research outputs as necessary to maintain the relevance and accuracy of credit risk assessments. Technical Skills (Optional) Use Python and SQL skills to manage and manipulate large datasets. Additionally, apply Large Language Model (LLM) skills to synthesize information from multiple sources. Required qualifications, capabilities, and skills You have a bachelors or masters degree in Economics, Mathematics, Statistics, Finance, or related fields. You have a proactive approach to identifying opportunities for improvement and innovation in research processes and methodologies. You have 2+ years of relevant work experience in Financial Risk Analytics, Industry Research, or Wholesale Credit Risk Management. You have strong problem-solving abilities with a focus on conducting thorough industry research and analysis. You have attention to detail and the ability to synthesize complex information into clear insights. You have excellent communication skills, both written and verbal, with the ability to present research findings effectively. Preferred qualifications, capabilities, and skills Proficiency in crafting we'll-structured research reports, thought pieces, and trend analyses. This includes the ability to convey complex ideas clearly and concisely, tailoring content to different audiences. Understanding of relevant regulatory and compliance frameworks that impact industry dynamics and credit risk Technical Skills (Optional) - Experience with analytics and data tools such as Python, R, SQL, and other relevant technologies. A desire to leverage modern technologies as a disruptive influence within banking.

Hiring for Multiple Roles 1. SAS, SQL, Marketing Analytics 2. SAS, SQL, Credit Risk Model 3. SAS, SQL Strategy Development 4. SAS, SQLCollection Strategy 5. SAS, SQL, MRM 6. SAS, SQL, Credit Risk Model

Analyze financial statements, credit reports, and other data to assess the creditworthiness of individuals Prepare detailed credit reports and risk assessments with recommendations for credit approval, modification, or denial Monitor existing accounts for changes in financial position or potential credit risk exposure Conduct industry and market research to support credit decisions Collaborate with sales, legal, and operations teams to ensure timely processing of credit applications and renewals Ensure compliance with internal credit policies and external regulatory guidelines Assist in the development of credit scoring models and risk mitigation strategies Maintain accurate records of credit decisions and documentation Requisites & Skills: Experience in NBFC and P2P industry is a must Experience with credit rating systems and CRM tools

Job Title:Project Management, Planning , Risk Management Experience 8-12Years Location:Bangalore : Project Management, Planning, Risk Management.

Responsible for managing and optimizing the cash flow of the automobile manufacturing company. This role includes monitoring cash inflows and outflows, forecasting future cash needs, managing working capital, to meet the company's financial needs. Required Candidate profile 10+ yrs of experience required to monitor daily cash positions, ensure sufficient liquidity to meet operational and capital expenditure needs. Interested! please apply.

NOW HIRING: Consultant Credit | Where Numbers Tell the Real Story! Ever looked at a Balance Sheet and felt like it spoke to you? Can you spot red flags in financials before anyone else does? Do you believe credit isn't just about numbers—but narratives and nuance? If yes, then this role is your calling. Who We’re Looking For: A sharp finance professional with: A degree in B.Com, CA (Inter), or MBA (Finance) Deep understanding of financial statements (Ind AS & IGAAP) Mastery of ratios, Excel, and financial modeling Jedi-like time management and multitasking skills An eye for detail and a nose for risk What You'll Do: Uncover the story behind the numbers – analyze P&L, BS, and cash flows Evaluate business models, industries, and promoter backgrounds Prepare and present credit appraisals that drive real lending decisions Recommend strategies to protect and grow our portfolio This isn’t just credit analysis. This is financial storytelling. Interested? Tag someone who fits the bill Or send in your resume to: kanimozhi.p@kiya.ai Bring: Your updated resume and a passion for finance! Let’s turn insights into impact. One financial statement at a time.

Analyze customer account balances Ensure that the individual cash targets are met on a monthly basis, thereby helping the team in achieving the overall cash target. Handle inbound queries - helping customers with copies of invoices, statements & additional documentation. Investigate, route and escalate & Resolve customer disputes Record collection activity information in [Collections Workflow System] including. collection call / e-mail details, promise to pay (for performance, target and cash forecasting), dispute details, general requests and enquires. Create customer dunning letters automatically via ERP / [Collections Workflow System] and send electronically / print and dispatch to customers Need to actively monitor and follow-up customers whose aging becomes severe. Prepare customer files for legal action Identify and recommend write off (or write back of credit balances) for uncollectable debt where appropriate Obtained payment details and help in allocation of the payments by coordinating with theAccountsReceivables, to avoid accumulation of Unallocated and unidentified cash received. Receive and validate credit assessment requests for existing & new customers Monitor existing customer and portfolio credit risk Apply cash remittances & credits/ adjustments Match related debits & credits within A/R ledger, in accordance with the agreed rules and procedures Identify short payments/deductions made by the customer from remittances and raise required transactions in ERP to reflect short payments Contact customers for missing or incomplete remittance detail in order to allocate customer payments Apply discounts for direct deposit (DD) payments and/or penalties for non-DD Process payment rejections (e.g., returned cheques, unpaid direct debits, rejected credit card payments) and raise appropriate adjustments on the A/R ledger resulting from the rejected payment Qualifications Main Requirements 4+ years accounting experience in a multinational environment 3 years of experience in OTC Prior experience in Workday or similar ERP Desired Skills & Abilities Strong skills in MS Office Suite specifically Excel and Word Excellent Voice & Communication skills Work with high volume in a systematic way With positive attitude, a team player Quick learner and can work under pressure High degree of integrity, both personally and professionally Understand and deliver on agreed SLAs and KPIs - highlight potential risks in advance and ensure all compliance and controls are being met Ability to drive projects & achieving monthly SLAs Experience in Transitioning / Setting up Accounting Processes in Shared Service Delivery Model Team management skills an advantage Education Requirements Bachelor of Commerce [B. Com (Hons)] or Any degree specialization in Accounts, MBA, M. Com, CA

Join us as a Model Risk Validation Officer This is an opportunity for a passionate and driven risk specialist to join our business We ll look to you to help review and validate credit and finance models relating to wholesale, commercial and retail portfolios across all business units and legal entities Its an ideal role to gain detailed exposure to the developing world of model risk, as well as to a range of stakeholders and senior executives Were offering this role at associate level What youll doAs a Model Risk Validation Officer, you ll be running SAS codes to match the modelling results and undertaking data analysis to make sure that the data risks are adequately highlighted. We ll look to you to review the models MI packs to identify model performance or data related issues, and support your team members by maintaining issue logs and MI on the review pipeline. You ll also be: Assisting in running Pillar 3 reviews by verifying the analysis and understanding the code logic Developing SAS libraries on validation tests and undertaking regression testing Performing sensitivity analysis to assess the adequacy of modelling or data assumptions, documenting all the analysis in a succinct and clear manner Preparing checklists for various validation activity to make sure that appropriate controls are established and consistently followed Providing expert advice on aspects of risk management, including providing senior executives with relevant MI and reports The skills youll needWe re looking for someone with a quantitative degree and experience of models within a credit risk environment. You should have an understanding of Basel requirements and good working knowledge of SAS. You ll also need: Excellent attention to detail The ability to communicate, both verbally and in writing, to senior colleagues Strong Excel, PowerPoint and Word skills Hours 45 Job Posting Closing Date: 03/06/2025

About The Role : Job Title Trade Finance & Lending LocationChennai, India Role Description Business Overview Trade Finance & Lending is part of Corporate Bank. This will be a P&L holding job from corporates relationship in South India for the TF & Lending. You will be responsible to drive business revenue for Trade Finance & Lending by managing top tier set of clients across Multinational Corporates and Local Large Corporates including NBFIs and by hunting new corporate relationships in South India. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Leading the set of assigned clients to contribute to revenue budget of South India from all TF&L products. Work and coordinate with other product teams in the bank in building out a custom solution for clients Extensive client interaction, interaction with risk, legal, compliance Managing business risk Create, maintain and assist in tracking sectoral trends and related materials. Your skills and experience 3+ years of experience in corporate bank, preferably in Trade Finance department of a bank Understanding of client balance sheet, India regulations Client Centricity, good communication skills, stakeholder management Problem solving abilities Fast thinking, dynamic and a strong work ethic while being a team player Educational qualificationMBA or CA / CFA How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

About The Role : Job TitleTFL Trade Associate LocationBangalore, India Role Description Its a popular perception that if you have experience in Trade Finance Operations, you are never out of job. We handle multiple products like Letter of Credit, Collections, Bank Guarantees etc. Depending on your appetite to learn, you will get enough opportunities to learn multiple products/processes. The learning never ends in Trade Finance Operations. Our subject matter experts will ensure that you get the necessary training on the products and processes. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Day to day management of Process Service Delivery Serve as Internal/external escalation point Serve as technical operational expert for queries from clients/team members etc. Monitoring and controlling workflows Spearhead various process improvement initiatives Ensuring closure of tasks within prescribed SLAs Identifying operational risks proactively and mitigating appropriately. Offering guidance with individual and team challenges Effective Multitasking Effective Delegation to direct reports Ensure structured upward & downward communication Assist with recruitment and training process Supervise and manage development of team members Drive projects and efficiency initiatives Ensure adequate back-ups created for all critical positions and assist other teams during contingencies (Staff shortage, high volumes etc). Work very closely with the process owners/stakeholders and other internal clients for overall growth of the banks business Your skills and experience Possesses adequate understanding of Trade related rules and guidelines as commissioned by ICC (ICC/UCP/URC etc) Good understanding of legal, credit and operational risks in handling of Trade product/services Good communication skills (oral and written) Flexible to work in late night shifts.CDCS Certification is an added advantage How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

Job TitleCredit Risk & Policy Audit - Fintech Industry DepartmentRisk Management / Audit LocationAndheri East Reports toCOO Job TypeFull-Time Job Overview: The Credit Risk & Policy Audit role in the Fintech industry is responsible for evaluating, assessing, and auditing the company's credit risk policies, procedures, and practices. The role ensures that the fintech organization's credit policies align with regulatory standards, best practices, and business objectives, while mitigating credit risk effectively. The position involves conducting internal audits, identifying gaps in credit risk management processes, and working with cross-functional teams to ensure the implementation of sound risk controls. This role is critical to safeguarding the company's portfolio and preventing credit defaults and fraud.Key Responsibilities:Credit Risk Management Audit:- Conduct regular audits of the company's credit risk management framework to ensure compliance with internal policies, industry standards, and regulatory requirements.- Review credit risk models, approval processes, and credit assessment tools to ensure they are appropriate, effective, and up-to-date.- Assess credit underwriting standards, credit scoring models, and decision-making algorithms for accuracy and reliability in predicting creditworthiness.- Identify areas of credit risk exposure, including fraud, defaults, and bad debt, and recommend corrective actions to mitigate these risks. Policy Compliance and Effectiveness:- Audit and assess the company's credit risk policies and procedures to ensure they are consistent with business goals, risk appetite, and regulatory requirements.- Review and validate credit policies related to personal loans, credit cards, digital lending, and other fintech products to ensure adherence to legal and ethical standards.- Work with legal and compliance teams to identify any regulatory changes and ensure that credit risk policies and procedures are updated accordingly. Credit Portfolio Monitoring:- Perform regular audits on the credit portfolio to assess risk, performance, and quality of loans or credit products.- Evaluate the loan origination process, monitoring for any potential systemic risks or weaknesses in the portfolio.- Analyze portfolio metrics such as delinquency rates, non-performing loans (NPLs), default rates, and recovery performance.- Work with credit operations teams to ensure proper documentation and compliance with established policies for credit transactions. Risk Control and Mitigation:- Identify opportunities to enhance or improve risk controls in credit operations, including new systems, processes, or tools.- Collaborate with the credit risk team to develop strategies for risk mitigation, including the setting of credit limits, loan-to-value ratios, and risk-based pricing.- Recommend best practices for credit policy governance and ensure that credit risk is managed consistently across all products and services. Audit Reporting and Documentation:- Prepare detailed audit reports outlining findings, risks, and recommended actions to senior management and relevant stakeholders.- Provide actionable insights to improve credit risk policies, processes, and controls, ensuring alignment with company objectives and regulatory frameworks.- Track the implementation of audit recommendations and ensure that corrective measures are adopted in a timely manner.- Ensure proper documentation of audit activities and findings, maintaining compliance with internal and external audit standards. Stakeholder Collaboration and Advisory;- Act as a subject matter expert for credit risk management policies and audits, advising key stakeholders on potential risks and best practices.- Collaborate with risk, compliance, and credit operations teams to address issues related to risk exposure, fraud, and credit management.- Support the development of training and awareness programs to ensure staff understand and adhere to credit risk policies and procedures. Continuous Improvement and Process Optimization;- Regularly assess and update audit methodologies to reflect changes in the fintech industry, emerging risks, and new regulatory requirements.- Leverage technology, including data analytics and automation tools, to improve the effectiveness and efficiency of the credit risk management audit process.- Identify trends or emerging risks in credit risk and make proactive recommendations to mitigate potential issues before they impact the business.Qualifications and Skills: EducationBachelor's degree in Finance, Business, Economics, or a related field (Master's or professional certifications such as FRM, CFA, or CPA are preferred).Experience:- 6-10 years of experience in credit risk management, policy audit, or internal audit roles, preferably in the fintech, banking, or financial services sector.- Experience with credit risk models, underwriting processes, and credit portfolio management.- Strong understanding of regulatory frameworks related to lending, credit risk, and fintech operations.- Familiarity with industry-specific risk tools, credit scoring systems, and fintech products. Skills: - In-depth knowledge of credit risk management principles, policies, and processes.- Strong analytical skills with the ability to identify and assess complex risks in credit portfolios.- Excellent attention to detail and the ability to conduct thorough audits.- Proficient in risk management software, audit tools, and MS Excel (or other data analytics tools).- Strong written and verbal communication skills, with the ability to present audit findings and risk assessments to senior management.- Knowledge of fintech products and services, including personal loans, digital lending, credit cards, and alternative lending models.Personal Attributes:- Strong problem-solving skills, with the ability to identify issues and provide effective solutions.- Independent and self-motivated, with the ability to manage multiple audits and priorities simultaneously.- Detail-oriented with a keen eye for identifying gaps or inefficiencies in credit risk management processes.- High ethical standards and commitment to maintaining confidentiality and compliance.- Collaborative mindset with the ability to work across teams and influence stakeholders.Benefits:- Organisation ESOPs.- Health insurance.- Opportunities for career growth and professional development.- Flexible work arrangements (depending on company policy)ApplySaveSaveProInsights

Job TitleCredit Risk & Compliance - Fintech Industry LocationAndheri East Reports toCOO Job TypeFull-Time Job Overview: The Credit Risk & Policy Audit role in the Fintech industry is responsible for evaluating, assessing, and auditing the company's credit risk policies, procedures, and practices. The role ensures that the fintech organization's credit policies align with regulatory standards, best practices, and business objectives, while mitigating credit risk effectively. The position involves conducting internal audits, identifying gaps in credit risk management processes, and working with cross-functional teams to ensure the implementation of sound risk controls. This role is critical to safeguarding the company's portfolio and preventing credit defaults and fraud. Key Responsibilities: 1. Credit Risk Management Audit: - Conduct regular audits of the company's credit risk management framework to ensure compliance with internal policies, industry standards, and regulatory requirements. - Review credit risk models, approval processes, and credit assessment tools to ensure they are appropriate, effective, and up-to-date. - Assess credit underwriting standards, credit scoring models, and decision-making algorithms for accuracy and reliability in predicting creditworthiness. - Identify areas of credit risk exposure, including fraud, defaults, and bad debt, and recommend corrective actions to mitigate these risks. 2. Policy Compliance and Effectiveness: - Audit and assess the company's credit risk policies and procedures to ensure they are consistent with business goals, risk appetite, and regulatory requirements. - Review and validate credit policies related to personal loans, credit cards, digital lending, and other fintech products to ensure adherence to legal and ethical standards. - Work with legal and compliance teams to identify any regulatory changes and ensure that credit risk policies and procedures are updated accordingly. 3. Credit Portfolio Monitoring: - Perform regular audits on the credit portfolio to assess risk, performance, and quality of loans or credit products. - Evaluate the loan origination process, monitoring for any potential systemic risks or weaknesses in the portfolio. - Analyze portfolio metrics such as delinquency rates, non-performing loans (NPLs), default rates, and recovery performance. - Work with credit operations teams to ensure proper documentation and compliance with established policies for credit transactions. 4. Risk Control and Mitigation: - Identify opportunities to enhance or improve risk controls in credit operations, including new systems, processes, or tools. - Collaborate with the credit risk team to develop strategies for risk mitigation, including the setting of credit limits, loan-to-value ratios, and risk-based pricing. - Recommend best practices for credit policy governance and ensure that credit risk is managed consistently across all products and services. 5. Audit Reporting and Documentation: - Prepare detailed audit reports outlining findings, risks, and recommended actions to senior management and relevant stakeholders. - Provide actionable insights to improve credit risk policies, processes, and controls, ensuring alignment with company objectives and regulatory frameworks. - Track the implementation of audit recommendations and ensure that corrective measures are adopted in a timely manner. - Ensure proper documentation of audit activities and findings, maintaining compliance with internal and external audit standards. 6. Stakeholder Collaboration and Advisory: - Act as a subject matter expert for credit risk management policies and audits, advising key stakeholders on potential risks and best practices. - Collaborate with risk, compliance, and credit operations teams to address issues related to risk exposure, fraud, and credit management. - Support the development of training and awareness programs to ensure staff understand and adhere to credit risk policies and procedures. 7. Continuous Improvement and Process Optimization: - Regularly assess and update audit methodologies to reflect changes in the fintech industry, emerging risks, and new regulatory requirements. - Leverage technology, including data analytics and automation tools, to improve the effectiveness and efficiency of the credit risk management audit process. - Identify trends or emerging risks in credit risk and make proactive recommendations to mitigate potential issues before they impact the business. Qualifications and Skills: EducationBachelor's degree in Finance, Business, Economics, or a related field (Master's or professional certifications such as FRM, CFA, or CPA are preferred).Experience:- 6-10 years of experience in credit risk management, policy audit, or internal audit roles, preferably in the fintech, banking, or financial services sector.- Experience with credit risk models, underwriting processes, and credit portfolio management.- Strong understanding of regulatory frameworks related to lending, credit risk, and fintech operations.- Familiarity with industry-specific risk tools, credit scoring systems, and fintech products. Skills: - In-depth knowledge of credit risk management principles, policies, and processes.- Strong analytical skills with the ability to identify and assess complex risks in credit portfolios.- Excellent attention to detail and the ability to conduct thorough audits.- Proficient in risk management software, audit tools, and MS Excel (or other data analytics tools).- Strong written and verbal communication skills, with the ability to present audit findings and risk assessments to senior management.- Knowledge of fintech products and services, including personal loans, digital lending, credit cards, and alternative lending models.Personal Attributes:- Strong problem-solving skills, with the ability to identify issues and provide effective solutions.- Independent and self-motivated, with the ability to manage multiple audits and priorities simultaneously.- Detail-oriented with a keen eye for identifying gaps or inefficiencies in credit risk management processes.- High ethical standards and commitment to maintaining confidentiality and compliance.- Collaborative mindset with the ability to work across teams and influence stakeholders.Benefits:- Organisation ESOPs.- Health insurance.- Opportunities for career growth and professional development.- Flexible work arrangements (depending on company policy).ABOUT THE COMPANY:FatakPay Digital Private Ltd (FatakPay) is a digital-only lending platform that provides virtual credit cards. The solution provides a 100% digital and paperless quick, transparent and secure way to transact in multilingual format with a 'scan now, pay later' facility and easy repayment options. We're a company that strongly believes in teamwork, design, creativity and tech. We love to build the best possible Financial Tech products that make the world a better place.It was founded by a team of four IIT- B, Erasmus University alum and with 70+ years of combined experience in Tech and Finance.WHAT HAPPENS NEXTIf selected for an interview, you will hear directly from someone from the HR department, usually within a week of the closing date ApplySaveSaveProInsights

About The Role : Job TitleVendor Management Specialist, AS LocationMumbai, India Role Description Vendor Management is responsible for the service relationship with a vendor on a transactional level and for transactional vendor related support tasks. Work includes: Managing or performing strategic sourcing work to manage risk and optimize the value/resilience of materials/services sourcing including Establishing supplier relationship management processes and continuous improvement goals/programs Negotiating contracts and coordinating supplier integration plans with internal clients Monitoring market dynamics that impact materials/services availability and/or pricing Partnering with internal clients to identify sourcing needs, develop buyer/market profiles, identify marketplace trends, and define acceptable service levels What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Manage end-to-end vendor service relationship, which includes but not limited to Sourcing, Contracting, Negotiation and third-party risk management Primary contact for the vendor engagement and responsibility for the vendor related risk management process Deliver the daily workload, activities and tasks of the vendor management functions to ensure all vendor remediation activities are timely completed Support the wider team by identifying the process improvement ideas and drive the key initiatives to make process more efficient Monitor and develop supplier performance and optimize relationships Collaborate closely with the businesses, respective CB Vendor & Service Owners, Procurement, and 2nd LoD functions (RTCs) Your skills and experience University degree in economics, apprenticeship in banking or equivalent qualification Several years of banking experience, preferably with Corporate Bank products General knowledge and experience of contract, service delivery, project management and performance management of Vendor performance Experienced in working with third parties and cross-functional teams and solid understanding of Non-Financial Risk Management (NFRM), Service Delivery Management (SDM) and Third-Party Management (TPM) functions Analytical skills and a problem-solving mind-set, strongly motivated and the ability to challenge and be challenged whilst maintaining the highest levels of professionalism Strong communicative skills in English (verbal and written) How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

About The Role : Job Title Credit Analyst Location Mumbai, India Corporate Title Analyst Role Description GFCT Pacific ABS and Special Situations Desks provide asset backed financing and ABS capital markets solutions to clients. The ABS business provides warehouse financing in respect of a range of RMBS, ABS and esoteric assets that have a public capital markets exit, while the focus of the special situations desk is portfolio financing and acquisition of performing and non-performing loans and lending platforms as well as warehousing asset classes that do not have a traditional capital markets exit. The key sub-business verticals include ABS, Alternate ABS and Special Situations The role on offer primarily entails supporting onshore team in managing all activities through the life cycle of a trade once executed. It also includes liaising with various internal stakeholders to ensure correct execution/monitoring. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities You would be working closely with the onshore team (Pacific ABS and Special Situations) and will perform following activities: Weekly Review of the existing facilities Managing drawdowns/repayment requestsborrowing base check, managing LS2/TS bookings, P&L reconciliation, treasury funding update, rate set etc. Monthly Performance Summarypreparing performance summary pack, strats review, comp analysis refresh, monthly review of trust manager reports Industry/Company research Managing internal DB process/systemNTA, SPPI, LOUD, Covenant tool etc. Other adhoc tasks as required Your skills and experience Highly motivated person who is willing to learn, be intellectually curious and actively blend with Candidate/Applicant onshore and offshore colleagues. Superior analytical aptitude, problem solving abilities and excellent communication skills Team player with strong work ethics Strong excel and writing skills Experience in securitisation is a plus How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

As a Manager in our Retail Methodology team, you ll play a key role in helping to provide insights and calculate credit metrics impact on Risk Weighted Assets, Provisions and other Credit Risk measurements for current and proposed regulatory and accounting environments. Banking is changing and we re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you ll be building your future, while helping to build ours. Role Location: Bengaluru Role Type: Permanent, Fulltime What will your day look like? As a Manager, Retail Methodology, you will: Develop methodology compliant with credit risk regulatory capital or accounting requirements. Build strong relationships with key stakeholders to ensure Basel III Capital and IFRS 9 Provisioning outcomes are clearly communicated. Manage and respond to APRA/Regulator queries and data requests (quarterly and adhoc). Liaise with product owners to assist with product approvals. Deliver accurate quantitative data with clearly documented assumptions. Help embed a great risk culture in ANZ. Ensure policies and processes relevant to the role are complied with. What will you bring? To grow and be successful in this role, you will ideally bring the following: Understanding of Basel framework and Credit Risk components SAS and SQL and Advanced Excel Quantitative Degree in statistics, actuarial, econometrics, mathematics, operations research or related field Ability to work independently and as part of a team

Job Description Job Title Project & Change Specialist, AS Location Mumbai, India Role Description Group Strategic Analytics is part of Group Chief Operation Office (COO) which acts as the bridge between the Bank s businesses and infrastructure functions to help deliver the efficiency, control, and transformation goals of the Bank. You will be joining the GSA Credit Risk Change Team. Project Management & Change Execution is responsible for delivery of the value and strategic outcomes of their Change BoW that ensures successful transition into the organisation s goals, processes and technologies. Adopting values and principles that follow agreed processes and practices to allow teams to continually improve their performance. What we ll offer you As part of our flexible scheme, here are just some of the benefits that you ll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Management of milestones in clarity including running a control process and raising/exception on change requests. Monitor / track Jira milestones to ensure alignment to the book of work. Monitoring dependencies across multiple inter-related projects, Managing and reporting status of programme and/ or project status, Managing RAID logs using Clarity and Tableau. Assisting in removing blockers to ensure the team is successful and working with end users to ensure successful adoption Preparing artefacts for management meetings, including Operating Forums and Steering Committees. Establish, manage, and drive the Governance and reporting framework in line with Change the Bank (CTB) governance frameworks. This will include definition of roles responsibilities within and outside the Change team. Report progress and escalate issues across the book of work transparently, undertaking active risk, issue and dependency to keep stakeholders informed. This will be in partnership with Credit Risk IT teams. Management of benefits for key deliverable initiative including monthly reporting, control checks and financial validation Your skills and experience Demonstrable experience of managing projects, and experience in using Clarity. Jira and Tableau experience would be advantageous. Ability to confidently work with mid-senior management. Ability to communicate complex messages to stakeholders simply and clearly, both verbally and written Ability to analyze financial data include budget reports, risk and resource allocations. Ability to work and solve problems independently. Thrive in time critical environment How we ll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

Join us as a Model Risk Validation Officer This is an opportunity for a passionate and driven risk specialist to join our business We ll look to you to help review and validate credit and finance models relating to wholesale, commercial and retail portfolios across all business units and legal entities Its an ideal role to gain detailed exposure to the developing world of model risk, as well as to a range of stakeholders and senior executives Were offering this role at associate level What youll do As a Model Risk Validation Officer, you ll be running SAS codes to match the modelling results and undertaking data analysis to make sure that the data risks are adequately highlighted. We ll look to you to review the models MI packs to identify model performance or data related issues, and support your team members by maintaining issue logs and MI on the review pipeline. You ll also be: Assisting in running Pillar 3 reviews by verifying the analysis and understanding the code logic Developing SAS libraries on validation tests and undertaking regression testing Performing sensitivity analysis to assess the adequacy of modelling or data assumptions, documenting all the analysis in a succinct and clear manner Preparing checklists for various validation activity to make sure that appropriate controls are established and consistently followed Providing expert advice on aspects of risk management, including providing senior executives with relevant MI and reports The skills youll need We re looking for someone with a quantitative degree and experience of models within a credit risk environment. You should have an understanding of Basel requirements and good working knowledge of SAS. You ll also need: Excellent attention to detail The ability to communicate, both verbally and in writing, to senior colleagues Strong Excel, PowerPoint and Word skills Hours 45 Job Posting Closing Date: 03/06/2025

Join us as a Model Risk Validation Officer This is an opportunity for a passionate and driven risk specialist to join our business We ll look to you to help review and validate credit and finance models relating to wholesale, commercial and retail portfolios across all business units and legal entities Its an ideal role to gain detailed exposure to the developing world of model risk, as well as to a range of stakeholders and senior executives Were offering this role at associate level What youll do As a Model Risk Validation Officer, you ll be running SAS codes to match the modelling results and undertaking data analysis to make sure that the data risks are adequately highlighted. We ll look to you to review the models MI packs to identify model performance or data related issues, and support your team members by maintaining issue logs and MI on the review pipeline. You ll also be: Assisting in running Pillar 3 reviews by verifying the analysis and understanding the code logic Developing SAS libraries on validation tests and undertaking regression testing Performing sensitivity analysis to assess the adequacy of modelling or data assumptions, documenting all the analysis in a succinct and clear manner Preparing checklists for various validation activity to make sure that appropriate controls are established and consistently followed Providing expert advice on aspects of risk management, including providing senior executives with relevant MI and reports The skills youll need We re looking for someone with a quantitative degree and experience of models within a credit risk environment. You should have an understanding of Basel requirements and good working knowledge of SAS. You ll also need: Excellent attention to detail The ability to communicate, both verbally and in writing, to senior colleagues Strong Excel, PowerPoint and Word skills Hours 45 Job Posting Closing Date: 03/06/2025

Job Description: Understanding of Basel Framework, PD, EAD, LGD and Regulatory Capital. Proficiency in SAS and Python for Model Development Good Understanding of Regulations and has experience of IRB Model Development Good understanding of retail credit risk products and their key variables.

Looking for 5+ Yrs of working experience into Credit underwriting from NBFC , BFSI Industry . Job details : Dealing with different quality of financial information, analysis of financial statements, identifying & making risk relevant adjustments & calculating key ratios Research into industries competitive environment and risk Taking a view in situations of limited information and giving solid motivation of the same Assessing corporate credit risk, rating corporates and writing concise credit notes on identified risk and mitigating factors

In this role, you will: Conducts reviews of bank customers (individuals/entities), related parties (owners, board of directors, executives) and/or transactions that present a moderate degree of complexity and risk to determine appropriateness for Wells Fargo. Conducts comprehensive research and/or background investigations on individuals, entities, organizations or locations to identify and mitigate associated sanctions, credit, financial crime, and reputational risks and thoroughly documenting findings. Reviews and analyzes due diligence data from a variety of sources to determine overall risk. Screens customers, prospects and/or transactions against various regulatory reporting lists and regionally based sanctions watch lists. Evaluates risks to determine permissibility under sanctions, regulations and/or BSA/AML regulations. Works with high risk customers (e.g. casinos, MSBs, payment processors) to understand controls and activities. Provides appropriate direction to the line of business. Escalates confirmed sanctions alerts, PEP matches and other risks appropriately. Performs non-documentary Customer Identification Program on domestic customers in accordance with regulations and bank policy. Ensures compliance with guidelines set forth in federal/state anti-money laundering laws and regulations including the Bank Secrecy Act and various sanctions regulations, and in accordance with policy/procedures set by the bank. Consults with peers, line of business managers and other external parties regarding due diligence findings. Participates in moderate size project initiatives. Operates independently with minimal supervision, and effectively manages work requests to meet performance expectations. Required Qualifications: 5+ years of experience in risk (includes compliance, financial crimes, operational risk, audit, legal, credit risk, market risk) and a university degree in Business or related discipline Experience in Due Diligence, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Ability to take initiative and work independently with minimal supervision in a structured environment Ability to research, analyze, and determine a course of action for financial transactions Knowledge and understanding of regulatory compliance requirements surrounding USA PATRIOT Act and Anti Money Laundering (AML) requirements Basic Microsoft Office (Word, Excel, Outlook, and PowerPoint) skills Ability to provide strong customer service and develop customer relationships

RRSD Unit faces the Group Risk Function which handles wide spectrum of activities to support the Enterprise Risk Analytics, Traded Risk Management, Risk Compliance Reporting teams of the Group Risk. Group Risk Information (GRI) GRI is primarily responsible to provide a consolidated view across Risk Types, prepare packs for the various committees and timely submissions. To maintain oversight of the Group / Regional risk exposures and for the respective Risk Framework owners (RFOs) / Report owners to highlight material exposure changes to the Risk Committee To produce PowerPoint packs to these Risk Committees with a consolidated overview covering multiple risk verticals based on committee meeting dates. Report Group / Regional Risk Appetite metrics and breaches for all risk verticals. Collation of packs from different Risk units, query management, review challenge the data where required. Key Responsibilities Strategy * Help to ensure appropriate BAU controls being established and deployed effectively in GBS. Help to support new Business requests through Product programmes and Country addendums Help to look for possibilities of leveraging on synergy within the various processes through automation thereby bringing in improvements. Skills and Experience Participate in at least 2 days of volunteering per year Participate in engagement activities Be motivated and actively engage in activities like innovation and automation initiatives To hold assigned roles of First Aider / Fire Warden / ADCC as appropriate and discharge the expected responsibilities. Qualifications Post-Graduation in Finance with relevant 5+ years experience. Risk Certifications from established institutions is preferred. General Skill Set: Strong knowledge in banking products across asset classes (FX/Rates/ Equity/ Credit and Commodities) Strong knowledge in Data Analytics (including ML capabilities) Working knowledge in MS Excel, PowerPoint. Knowledge about Market and Credit Risk. About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 170 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www. sc. com/careers 24884

Please Note: ========== One of our Gulf client is looking for Credit Risk Analyst in their financial department. Spectrum Consulting is acting as Recruitment Services company for this position. You can email your CV directly to: spectrumconsulting1977@gmail.com ========== Job Title: Credit Risk Analyst Onsite Job Location: Dubai - UAE Doha - Qatar Riyadh - Saudi Arabia Onsite Monthly Salary: 15k to 20k AED [ Depending on Experience ] , Full Tax free Salary Gulf Work permit & visa will be sponsored by the company Offshore Job Location: Mumbai Bangalore Hyderabad Offshore India Annual CTC: INR. 15 LPA to 40 LPA (Depending on Experience) No. of positions: 03 Project Duration: 24 Months Experience Needed: 10 - 20 Years Job Description: We are looking for an experienced Credit Risk Analyst with BASEL / IFRS9 / CCAR Skills Job Responsibilities As a credit risk analyst, you should be: Expert in 1 or more of the following: - Credit Risk Modelling with: - BASEL - IFRS9 - CCAR - Structural Models - Strong knowledge of credit risk measures, PFE, xVA, compliance rules, and collateral management. - Experience with Basel 2, Basel 2.5, Basel 3, SA-CCR, SIMM, FRTB-xVA. - Able to do credit evaluations of counter parties for financial/non-financial institutions - Carry out financial qualification of service providers for new assignments and new projects - Conduct in-depth analysis of financial statements and employ the company internal credit model to derive credit ratings. - Ensure new business transactions and related risks are appropriately defined, captured, and managed, by the Company's risk methodologies and systems. - Maintain approved credit limits and ratings in credit database. - Actively monitor counterparty credit ratings and latest market developments to keep management informed on potential risks. - Perform stress testing on various portfolios in order to identify and mitigate unwanted exposure. - Review policies, procedures, and align risk policies across the Group - Assist in the consolidation and preparation of reports for top management Nice to have: - Experience with Murex (MLC), Markit, Calypso, Finastra is added advantage but not mandatory Experience Level: 5 - 20 Years Business Verticals: Banking and Financial Services -- Insurance / Banking Insurance Stock Market / Investment Banking Retail Telecom Healthcare Oil and Gas Travel and Hospitality Supply Chain / Logistics Capital Markets / Stock Markets / Forex Trading Job REF Code: CREDITRISK_0525 You can EMAIL your CV to: spectrumconsulting1977@gmail.com If you are interested, please email your CV as ATTACHMENT & - write about your CREDIT RISK experience as covering note and - explaining your CREDIT RISK experience with job ref. code [ CREDITRISK_0525 ] as subject

About this role: Wells Fargo is seeking a Risk Analytics Consultant. In this role, you will: Participate in less complex analysis and modeling initiatives, and identify opportunity for process production, data reconciliation, and model documentation improvements within Risk Management Review and analyze programing models to extract data, and manipulate databases to provide statistical and financial modeling, and exercise independent judgment to guide new and existing projects with medium risk deliverables Coordinate and consolidate the production of monthly, quarterly, and annual performance reports for more experienced management Present recommendations for resolving data reconciliation, production, and database issues Exercise independent judgment while developing expertise in policy governance, risk projects, and regulatory requests Collaborate and consult with peers, managers, experienced managers, compliance, including various lines of business Required Qualifications: 2+ years of Risk Analytics experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Knowledge and understanding of Commercial Banking practices, policies, and procedures. Management experience leading teams of analysts / risk professionals Ability to contribute to strategic decisions and coordinate with multiple stakeholders. Develop consensus and gain buy-in for strategic priorities. Strong project management skills with ability to prioritize work, meet deadlines, achieve goals, and work under pressure in a dynamic and complex environment. Strong ability to develop partnerships and collaborate with other business and functional area. Excellent verbal, written, and interpersonal communication skills. Ability to identify and evaluate trends, isolate root cause, and provide swift/thorough resolution. Knowledge and understanding of the key factors impacting credit offerings, including credit risks and regulatory requirements. Ability to develop partnerships and collaborate with other business and functional areas. Understanding of risk management practices, extensive knowledge of financial data Strong communication, interpersonal and leadership abilities. Lead projects individually and come up with solutions with little to no support from anyone. Job Expectations: Masters/Bachelors degree in a quantitative field such as applied mathematics, statistics, engineering, finance, economics, econometrics or computer sciences Relevant experience in BFSI domain. 2+ years of experience in SQL and big data platforms and one of the visualization tools like Power BI or Tableau. 2+ years of Credit Risk experience. Strong Credit Risk analytics skills and comprehensive understanding of commercial products and risk drivers Ability to design and structure complex data & modeling framework for monitoring and analytical reporting. Ability to lead project teams and coordinate with multiple stakeholders.