1409 Credit Risk Jobs - Page 16

Role Brief: In this role, the employee will serve as the Single Point of Contact (SPOC) for clients using Hotfoot's software solutions. They will act as a liaison between the client team and the delivery team, facilitating communication and understanding. The employee is expected to gain knowledge in three key areas: Software Development Lifecycle (with a focus on Business Analysis), the Lending Domain, and the Product (Platform). They will work closely with both internal and external stakeholders to provide solutions to the clients business needs, enhancing the delivery process and overall client experience. Role & responsibilities: To coordinate between the stakeholders - Internal and External and ensure timely closure of open points and information is available for Delivery teams. To conduct JAD/Requirements gathering sessions and perform details documentation -requirement tracker, minutes of Meeting, Open Points To provide regular and pre-active status updates to the Management on current andfuture sprints To follow the agile process in full spirit To create required documentation - Epic/ Story/ FSD To conduct show & tell sessions with customer for deliveries To conduct daily scrum calls and standy calls with client and internal team to follow upon open points and bring to logical closure To highlight dependencies and high risk items to Project team Preferred candidate profile Strong knowledge of Banking & Financial Services, preferably in lending and Loan Origination Systems. Experience in Agile methodologies for software development and project management. Ability to Elicitate requirements and perform detailed documentation Clear and precise communication of complex technical concepts to non-technical stakeholders, both verbally and in writing. Technical Knowledge on components on Software development Technical Knowledge of Integrations/APIs Sprint Planning and Delivery Tracking

Sound domain knowledge on Performance Management, Liquidity Risk Management, Profitability, Capital Adequacy, IFRS9, BASEL, Credit Risk Management. Experience in Risk Modelling (PD, LGD, EAD etc), Asset Liability Management, Funds Transfer Pricing, Balance Sheet. Experience as a Business Analyst in implementing OFSAA EPM, ERM (ALM, LRM, LLFP-IFRS9, FTP, PFT, BASEL, IFRS9.

Model Development EXL (NASDAQ:EXLS) is a leading operations management and analytics company that helps businesses enhance growth and profitability in the face of relentless competition and continuous disruption. Using our proprietary, award-winning methodologies, that integrate advanced analytics, data management, digital, BPO, consulting, industry best practices and technology platforms, we look deeper to help companies improve global operations, enhance data-driven insights, increase customer satisfaction, and manage risk and compliance. EXL serves the insurance, healthcare, banking and financial services, utilities, travel, transportation and logistics industries. Headquartered in New York, New York, EXL has more than 30,000 professionals in locations throughout the United States, Europe, Asia (primarily India and Philippines), Latin America, Australia and South Africa. EXL Analytics provides data-driven, action-oriented solutions to business problems through statistical data mining, cutting edge analytics techniques and a consultative approach. Leveraging proprietary methodology and best-of-breed technology, EXL Analytics takes an industry-specific approach to transform our clients decision making and embed analytics more deeply into their business processes. Our global footprint of nearly 2,000 data scientists and analysts assist client organizations with complex risk minimization methods, advanced marketing, pricing and CRM strategies, internal cost analysis, and cost and resource optimization within the organization. EXL Analytics serves the insurance, healthcare, banking, capital markets, utilities, retail and e-commerce, travel, transportation and logistics industries. Please visit www.exlservice.com for more information about EXL Analytics. Home EXL Service is a global analytics and digital solutions company serving industries including insurance, healthcare, banking and financial services, media, retail, and others Role Details : We are seeking a strong credit risk model professional with experience in model monitoring, validation, implementation and maintenance of regulatory models. Responsibilities: Helping with various aspects of ML Models (first line or second line) and regulations Perform all required tests (e.g. model performance, sensitivity, back-testing, etc.) Interact with model governance team on model build and model monitoring Work closely with cross functional teams including business stakeholders, model validation and governance teams Deliver high quality client services, including model documentations, within expected timeframes Requirements : Minimum 2+ years of experience in executing end to end monitoring/validation/production/implementation of ML models from Risk background Strong understanding of Machine learning models understanding with respect to marketing/general analytics problems Managing assigned projects in a timely manner, ensuring accuracy and that deliverables are met. Training, coaching and development of team members Qualifications: Previous experience (2+ years) in analytics, preferably in BFSI Good knowledge in General Analytics, Fraud Analytics Past experience in problem solving roles, strategic initiatives Hands on experience python OR SQL is must Hands on work experience in R or any other analytical software would be a plus Good problem-solving skills

Role & responsibilities Job Purpose: To manage and oversee the credit underwriting function for Loan Against Property (LAP) for the assigned region, ensuring high-quality credit appraisal, policy adherence, and portfolio health, while supporting business growth objectives. Key Responsibilities: Credit Appraisal & Underwriting: Evaluate and underwrite LAP proposals in line with company policy and risk appetite. Analyze borrower financials, property documents, market valuation, and credit bureau reports. Ensure timely processing of files to support business turnarounds. Team & Stakeholder Management: Manage and guide a team of credit officers/managers across the region. Collaborate with sales, operations, and legal teams to streamline the credit approval process. Conduct regular training and development sessions for the team. Policy Compliance & Risk Management: Ensure adherence to internal credit policies, regulatory guidelines, and audit requirements. Identify early warning signals and initiate corrective measures for high-risk accounts. Recommend modifications to credit policy based on regional portfolio performance. Portfolio Quality: Monitor disbursed portfolio quality through periodic reviews and field visits. Ensure healthy portfolio performance and minimize delinquency and NPAs. Conduct post-disbursement checks and field investigations where required. MIS & Reporting: Prepare and present region-wise credit reports, portfolio analysis, and risk metrics. Share actionable insights with senior management for strategic decisions. Preferred candidate profile Graduate/Postgraduate in Finance, Commerce, or a related field. CA/MBA preferred. 712 years of experience in credit underwriting, with strong exposure to LAP segment. In-depth knowledge of credit appraisal, property legal & technical evaluation, and risk analysis. Strong analytical, decision-making, and leadership skills. Regional market understanding and hands-on field experience preferred.

Role & responsibilities Evaluating the financial performance of dealers through analysis of dealers performance vis a vis industry performance and financials statement analysis using financial ratios. Preparation of Credit Proposal Note and Credit Recommendation of Inventory Funding limit and Term loans for new dealers as well as existing dealers, Determining the key credit risks and mitigating factors while evaluating the proposal. Conducting Due Diligence Review for appointment of new dealers PAN India. Monitoring of limit by way of Overdue Tracking, Stock Audit monitoring and other related MIS. Preparation and maintenance of Master Database and various MIS. Regular follow up on overdue cases and highlighting concern dealer accounts having low retails, irregularity in repayments etc. Interaction with dealers and sales manager for proposal evaluation. Preferred candidate profile CA fresher in wholesale credit team

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Adaptable and flexibleProblem-solving skillsAgility for quick learningAbility to work well in a teamCommitment to quality Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Responsible for coverage of clients and investors to advance business relationships and for origination of private credit transactions Liaising with various internal stakeholders such as Trading, Credit Risk, Compliance, Legal etc. to enable smooth execution of transactions Evaluating investment opportunities by undertaking fundamental credit assessment of companies from a credit underwriting lens Preparing credit memos detailing credit considerations to enable lending decisions for the Investment Committee Leading the structuring, reviewing, and finalizing transaction-related legal documentation Required Qualifications, Capabilities, and Skills Minimum of 6 years of relevant experience in private financing or related fields A well-rounded academic background from a top-tier educational institution. Strong leadership and strategic thinking skills, with the ability to navigate complex financial environments Excellent communication and negotiation skills, with experience in managing high-level client relationships Proven ability to work collaboratively across multiple business lines and geographies Preferred Qualifications, Capabilities, and Skills Experience in private financing or related fields Ability to engage effectively with diverse stakeholders and drive business growth

Hands-on experience in OFSAA EPM, ERM implementation. String technical expertise in implementation of Performance Management, Liquidity Risk Management, Profitability, Asset Liability Management, Funds Transfer Pricing, LLFP-IFRS9, BASEL. Excellent working knowledge on JAVA, PLSQL and Linux.

Project Manager

Position- Consultant: Job Summary: We are seeking a highly motivated risk consultant to join our team in Mumbai. Successful candidate should have a decent background in credit risk and banking. Key Responsibilities: Work on credit risk consulting offerings, utilizing knowledge of Probability of Default, transition matrix, ratings, Merton Model. Responsible for translation of requirements into specifications for the software development ensuring seamless implementation of credit risk models. Configure and implement credit rating models, ensuring accuracy and precision. Requirements: A graduate degree in a relevant field (e.g., Finance, Economics, Statistics, Mathematics), CFA or FRM is beneficial. 0-2 years of relevant work experience in the risk domain. Proficiency- MS Office (Excel, MS Word, Power-point, VBA) and Python. Familiarity with credit risk concepts Excellent analytical, problem-solving, and communication skills. Ability to work in a fast-paced environment and meet tight deadlines. Strong attention to detail and ability to work accurately.

We have Offshore SAS developer with Credit Risk skill requirements with SAS expertise , for location Bangalore & Chennai . This is an urgent requirement, looking forward to your prompt support. Number of Openings* 2 Approved TMS RQ# * ECMS is down,will share ECMS number asap once it is up Duration of contract* 6 month Total Yrs. of Experience* 5+ Relevant Yrs. of experience* 5+ Detailed JD *(Roles and Responsibilities) Given below Mandatory skills* SAS developer with Credit Risk domain skills with SAS proficiency, SAS Enterprise preferably Desired skills* Given below Domain* Risk Work Model Hybrid Approx. vendor billing rate* (INR/Month) Excluding service tax 10000 (INR/Month) Work Location* Bangalore/ Chennai Background check process to be followed: * Before onboarding / After onboarding: * BGV Agency: * Before Onboarding/FADV Mode of Interview: Telephonic/Face to Face/Skype Interview* Skype The job description is as follows: Deep expertise and hands-on project experience on Credit Risk with SAS skills-based projects (SAS Enterprise preferably) in banking and financial services industry Proven problem-solving and analytical skills, with hands on experience handling - SAS dataset, Excel spreadsheets/CSVs. SAS programming and development skills are a must have, to write SAS code, designing/ developing SAS applications, developing SAS macros, libraries, and templates etc. Proven communication and negotiation skills Ability to work with minimal supervision Ability to build and maintain good client relationship / work with multiple key stakeholders Exposure in working in agile methodology. Exposure in using industry accepted tools for agile methodology JIRA / Rally Total Exp at least 5+yrs

Role & responsibilities : Excellent communication Hand-on experience on SAS and SQL + Excel Risk Background

Mandatory Skills: SAP FI Treasury Risk Cash Liquidity Mgmt. Experience5-8 Years.

Mandatory Skills: SAP FI Treasury Risk Cash Liquidity Mgmt. Experience5-8 Years.

Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions. Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Ability to work under pressure Should have problem Solving Skill Location- Mumbai,Delhi,Pune,Bengaluru,Hyderabad,Chennai

Job Title Risk and Compliance- Analyst- S&C GN-CFO&EV Management Level:11 Analyst Location:Gurgaon, Mumbai, Bangalore, Pune, Hyderabad Must have skills:Risk modelling Good to have skills:Credit risk, Market risk, Liquidity risk Experience:1-3 years Educational Qualification:MBA(Finance) or CA or CMA Job Summary : Advise financial and non-financial Institutions across risk management areas such as risk strategy, transformation programs, enterprise risk, portfolio management, capability maturity assessments, fraud and financial crime risk compliance. Partner with global deal teams in selling, shaping and solution development of client deals by providing subject matter expertise on risk related topics. Shape thought capital around current and emerging risk management topics and contribute to development of Accenture points-of-view on risk trends and issues. Support practice development through various activities such as staffing, quality management, capability development and knowledge management. Build strong relationships with global Accenture Risk Management teams, and develop existing relationships based on mutual benefit and synergies. Roles & Responsibilities: Good project management skills and demonstrated experience in managing teams across functions and geographies Strong business acumen and knowledge of risk management process Ability to solve complex business problems and deliver client delight Strong writing skills to build point of views on current industry trends Good analytical and problem-solving skills with an aptitude to learn quickly Excellent communication, interpersonal and presentation skills Cross-cultural competence with an ability to thrive in a dynamic consulting environment Professional & Technical Skills: MBA from Tier-1 B-schools with specialization in risk management 2-5 years of risk management experience at one or more Financial Services institutions, Rating Agency or Professional Services OR Risk Advisory with an understanding of one or more of the following areas: Credit risk measurement for the purpose of financial instruments impairment and/or capital requirements calculation (PD, LGD, EAD methodologies), Credit Risk Underwriting Frameworks, Risk Based Pricing, Early Warning Systems, Credit Policy & Limit Management, Collections Frameworks, Counterparty credit risk management and experience on counterparty risk methodologies such as PFE, EPE. Market risk measurement and management-related topics including operational processes, technologies, modelling approaches, risk aggregation and reporting, FRTB:Expected Shortfall, Default Risk Charge, NMRF; IBOR or LIBOR Transition experience. Operational risk management framework and methodology. Liquidity risk measurement , reporting and management, balance sheet framework, contingency funding requirement Hands-on experience in VaR/SVaR/IRC/CRM calculations for variety of financial instruments across Currencies, Credit, Commodities and Rates; In-depth understanding of new/evolving regulations in the Market Risk management space including treatment of off-balance sheet exposures, proprietary trading, systemic risk, stress testing, capital calculations, reporting standards etc. Treasury experiences in areas such as Asset Liability Management, Fund Transfer Pricing, and Interest Rate Risk in Banking Book with FO touchpoints. Hands-on experience in developing risk registers, conducting RCSAs, defining KRIs for risk management and control indicators, Risk Scenario Library & Analysis, Cyber and Tech Risk & Controls Assessment, SOX Compliance/ Internal Controls over Financial Reporting (ICOFR). Regulatory reporting compliance-European reg. reports:FINREP/COREP/Anacredit. Experience in platforms like Axiom, Wolters Kluwer etc. Experience in managing financial crime and compliance with a focus on fraud risk management, compliance/AML analytics, enterprise risk management (financial services and non-financial services), data analysis & aggregation, trade surveillance, robotic process automation. Experience in platforms like Quantexa, Actimize, Featurespace etc. Using Open AI in Modelling Enterprise Risk Management experience Strong understanding of risk regulatory framework of one more of the major economies across globe Knowledge of Risk Platforms such as Sungard, Murex, Sungard , Calypso, OpenPage, Fenergo, PEGA, JIRA, SAP HANA, Bloomberg, Reuters, and so on Experience in third-party risk consulting will be preferred. Prior Risk Consulting experience at pre-eminent, global risk management consulting firms desirable Industry certifications such as FRM, PRM, CFA preferred Additional Information: An opportunity to work on transformative projects with key G2000 clients Potential to Co-create with leaders in strategy, industry experts, enterprise function practitioners and, business intelligence professionals to shape and recommend innovative solutions that leverage emerging technologies. Ability to embed responsible business into everythingfrom how you service your clients to how you operate as a responsible professional. Personalized training modules to develop your strategy & consulting acumen to grow your skills, industry knowledge and capabilities Opportunity to thrive in a culture that is committed to accelerate equality for all. Engage in boundaryless collaboration across the entire organization. About Our Company | AccentureQualification MBA from Tier-1 B-schools with specialization in risk management 2-5 years of risk management experience at one or more Financial Services institutions, Rating Agency or Professional Services OR Risk Advisory with an understanding of one or more of the following areas: Credit risk measurement for the purpose of financial instruments impairment and/or capital requirements calculation (PD, LGD, EAD methodologies), Credit Risk Underwriting Frameworks, Risk Based Pricing, Early Warning Systems, Credit Policy & Limit Management, Collections Frameworks, Counterparty credit risk management and experience on counterparty risk methodologies such as PFE, EPE. Market risk measurement and management-related topics including operational processes, technologies, modelling approaches, risk aggregation and reporting, FRTB:Expected Shortfall, Default Risk Charge, NMRF; IBOR or LIBOR Transition experience. Operational risk management framework and methodology. Liquidity risk measurement , reporting and management, balance sheet framework, contingency funding requirement Hands-on experience in VaR/SVaR/IRC/CRM calculations for variety of financial instruments across Currencies, Credit, Commodities and Rates; In-depth understanding of new/evolving regulations in the Market Risk management space including treatment of off-balance sheet exposures, proprietary trading, systemic risk, stress testing, capital calculations, reporting standards etc. Treasury experiences in areas such as Asset Liability Management, Fund Transfer Pricing, and Interest Rate Risk in Banking Book with FO touchpoints. Hands-on experience in developing risk registers, conducting RCSAs, defining KRIs for risk management and control indicators, Risk Scenario Library & Analysis, Cyber and Tech Risk & Controls Assessment, SOX Compliance/ Internal Controls over Financial Reporting (ICOFR). Regulatory reporting compliance-European reg. reports:FINREP/COREP/Anacredit. Experience in platforms like Axiom, Wolters Kluwer etc. Experience in managing financial crime and compliance with a focus on fraud risk management, compliance/AML analytics, enterprise risk management (financial services and non-financial services), data analysis & aggregation, trade surveillance, robotic process automation. Experience in platforms like Quantexa, Actimize, Featurespace etc. Using Open AI in Modelling Enterprise Risk Management experience Strong understanding of risk regulatory framework of one more of the major economies across globe Knowledge of Risk Platforms such as Sungard, Murex, Sungard , Calypso, OpenPage, Fenergo, PEGA, JIRA, SAP HANA, Bloomberg, Reuters, and so on Experience in third-party risk consulting will be preferred. Prior Risk Consulting experience at pre-eminent, global risk management consulting firms desirable Industry certifications such as FRM, PRM, CFA preferred

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Card Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Review the dispute claim to determine the authenticity of the card chargeback claim and honor the request as per regulation E. What are we looking for Adaptable and flexibleCommitment to qualityPrioritization of workloadResults orientationStrong analytical skills Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

PaisaBuddy is looking for Zonal Credit Manager / Regional Credit Manager - [Credit & Risk - Wheels] 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

PaisaBuddy is looking for Area Credit Manager - [Credit & Risk - Wheels] to join our dynamic team and embark on a rewarding career journey Credit Risk Assessment:Evaluate the creditworthiness of new and existing customers Analyze financial statements, credit reports, and other relevant information to determine credit limits Credit Policy Development:Develop and implement credit policies and procedures in line with company objectives Ensure compliance with legal and regulatory requirements related to credit management Credit Limit Determination:Set appropriate credit limits for customers based on risk analysis Periodically review and adjust credit limits as needed Customer Relationship Management:Collaborate with sales and customer service teams to understand customer needs and payment terms Communicate credit decisions and policies to internal and external stakeholders Collections Management:Monitor accounts receivable and aging reports to identify overdue payments Implement and manage collections strategies to minimize delinquencies Dispute Resolution:Investigate and resolve disputes related to billing and collections Collaborate with sales and customer service to address customer concerns and facilitate prompt resolution Reporting and Analysis:Prepare regular reports on credit and collections performance Analyze trends and provide insights to senior management Credit Training:Provide training to internal teams on credit policies, risk assessment, and collections procedures Stay informed about industry best practices and changes in credit-related regulations Credit Portfolio Management:Manage the overall credit portfolio for the assigned area Develop strategies to optimize the balance between risk and revenue

PaisaBuddy is looking for Branch Credit Manager - [Credit & Risk - Wheels] 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

PaisaBuddy is looking for Credit Manager- [Credit - Solar Finance] 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

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

Senior Associate/Team Lead/Assistant Manager- Credit Analyst (Financial Spreading Candidate Specification & Job Responsibilities Candidate should have 2+ years of experience in Credit analysis Financial Spreading & Moody Credit lens Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement Balance Sheet & cash flow of public & private companies for the credit appraisal process.Calculating the Adjusted Net Worth Recurring Cash Flows Annual Debt Service Contingent Liabilities Custom Ratios and other financial metrics.Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting.Must be flexible with shifts Contact Person - Supraja Contact Number-9840937225 Email id-supraja@gojobs.biz

Role & responsibilities Job Title: Financial Analyst Credit, Growth & Risk Location: [Vadodara] Type: Full-Time About the Role We are seeking a highly analytical and detail-oriented Financial Analyst to join our team. This role will focus on ensuring accurate credit assignment to clients , tracking the performance of all company divisions and ventures , and providing data-driven insights to guide future growth and underwriting decisions. The ideal candidate is a proactive problem solver who thrives in fast-paced, multi-venture environments and can balance operational accuracy with strategic foresight. Key Responsibilities Ensure proper credit assignment to clients across all company ventures and divisions Develop and maintain financial models to monitor the growth and performance of each business unit Analyze financial data to identify trends, opportunities, and risks Support underwriting of new ventures with detailed risk assessments and projections Partner with division heads to ensure alignment between financial health and business goals Track KPIs and prepare regular reports for executive leadership Assist in forecasting, budgeting, and scenario planning across ventures Identify process improvements to enhance financial tracking and reporting Key Skills & Qualifications Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA or CPA/CFA a plus) 3+ years of experience in financial analysis, credit risk, or corporate finance Strong understanding of credit risk, financial modeling, and business performance tracking Advanced Excel / Google Sheets skills (financial models, pivot tables, macros) Experience with financial systems (Zoho Books, QuickBooks, NetSuite, or similar) Ability to analyze complex data and communicate insights clearly High attention to detail, integrity, and a proactive mindset What You’ll Gain Exposure to multi-venture, high-growth business environments Opportunity to directly influence strategic decisions and future growth Collaborative, entrepreneurial culture

KEY ROLES & RESPONSIBILITIES The role comprises working on credit risk assessment of corporate entities spread across multiple sectors and regions. Preparing opinion based credit reports and financial models based on fundamental analysis for a set of assigned credits/companies The credit assessment process requires the following: Undertaking research and analysis of an entity through thorough assessment of its credit strengths and weakness and weighing its business and financial risk profile. Understanding the potential for sovereign support or parent support which would need to be factored into the credit assessments. Preparing a detailed credit assessment report and elaborately discuss the company profile and credit risk considerations. Preparing and updating detailed financial models encompassing financial analysis, capital structure analysis, calculation of key credit quality determinants and financial projections (upto 7 years). Other activities include preparing industry databases and reports. Preparing a detailed peer analysis on the operating and financial side. Establish and maintain consistent standards and processes in credit analysis through interaction with team members and clients The role also requires training and mentoring colleagues on specific aspects of credit risk, sector and domain nuances. Assist ADs/Director on pilot assignments and prepare collaterals. Engage with client teams proactively and suggest new ideas to enhance client engagement Support the client with any ad-hoc research requests including sector research Responsible for process initiatives and quality improvements of the team. Content review, mentor and train new hires in the team FUNCTIONAL & BEHAVIOURAL KNOWLEDGE Strong understanding of finance and accounting concepts; especially, adjustments in calculation of adjusted earnings, cash flow and leverage metrics. Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Willingness to be fungible across sectors and regions. Excellent report writing and communication skills. Ability to identify key characteristics and drivers of sectors assigned. Credit assessment and analysis (or financial analysis), including business, financial and management profiling. Experience in portfolio monitoring and credit analysis Good understanding of banking regulations, calculation of key credit metrics and capital ratios Reasonable understanding of banks internal systems PROBLEM SOLVING Identifies and resolves complex research issues and team problems Assist in solving complex problems related to financial modeling INTERACTIONS Team player and good team handling skills Excellent client management skills TYPICAL SCOPE & IMPACT Impacts the quality and effectiveness of own team MINIMUM & PREFERRED EDUCATION MBA or CA or Master’s degree preferred; CFA certification is a plus MINIMUM & PREFERRED EXPERIENCE / SKILLS 6 to 10 years of work experience High level of attention to detail and accuracy; Diligence and hard work Ability to work under stringent timelines Prior experience in credit research or credit risk assessment along with report writing experience is mandatory. Prior experience in GenAI, people and content management are a plus Ability to manage a team and provide coaching, query handling and analytical mentoring to the team. Good understanding of MS office products