1409 Credit Risk Jobs - Page 19

IRB Scorecard Analyst (Python) Location: Bangalore (Hybrid) Exp: 3-8 yrs Join: Immediate to 30 days What Youll Do: Develop and maintain Basel IRB scorecards (PD/LGD/EAD) end-to-end using Python Perform feature engineering, binning, weight-of-evidence transformation & model calibration Back-test and monitor scorecard performance; investigate PSI/KS drift & data anomalies Extract and profile data via SQL; prepare regulator-ready documentation Must Have: 3-8 yrs in IRB scorecard development or credit-risk analytics at a bank/consultancy Expert in Python for statistical modeling (pandas, scikit-learn, statsmodels) Strong SQL skills for data extraction & profiling Solid understanding of Basel II/III IRB guidelines and risk-weight parameters Nice to Have: Hands-on experience with SAS or R for supplementary analyses Familiarity with model-risk management frameworks (SR 11-7/RBI MRM) Experience automating workflows via Python scripting or CI/CD If Interested, kindly share your resume on my email ID - divya.sehgal@thethreeacross.com

About Straive: Straive is a market leading Content and Data Technology company providing data services, subject matter expertise, & technology solutions to multiple domains. Data Analytics & Al Solutions, Data Al Powered Operations and Education & Learning form the core pillars of the companys long-term vision. The company is a specialized solutions provider to business information providers in finance, insurance, legal, real estate, life sciences and logistics. Straive continues to be the leading content services provider to research and education publishers. Data Analytics & Al Services: Our Data Solutions business has become critical to our client's success. We use technology and Al with human experts-in loop to create data assets that our clients use to power their data products and their end customers' workflows. As our clients expect us to become their future-fit Analytics and Al partner, they look to us for help in building data analytics and Al enterprise capabilities for them. With a client-base scoping 30 countries worldwide, Straive’s multi-geographical resource pool is strategically located in eight countries - India, Philippines, USA, Nicaragua, Vietnam, United Kingdom, and the company headquarters in Singapore. Website: https://www.straive.com/ Job Overview: We are seeking a skilled and analytical Credit Risk Manager to join our Analytics. The ideal candidate will have a strong background in data analytics and risk assessment. He will be responsible for assessing the creditworthiness of potential customers, monitoring the credit risk of existing customers, and developing strategies to mitigate potential credit losses. Roles and Responsibilities: Utilize statistical models and data analytics tools to predict credit risk and assess the impact of economic changes on credit risk. Develop and enhance credit risk and underwriting models and scorecards. Continuously monitor the credit risk of existing customers and develop strategies to manage exposure. Develop model documentation and work with model risk management to implement credit risk models and scorecards. Conduct thorough analysis of financial statements, credit reports, and other relevant data to evaluate the creditworthiness of potential customers. Generate reports and presentations outlining credit risk, and mitigation strategies for management review. Collaborate with cross-functional teams, including risk management, model risk management, operations, and compliance. Monitor industry trends, regulatory changes, and best practices to continually enhance fraud prevention strategies. Skills Required: Bachelor's degree in engineering, technology, computer science or related field. Master’s degree or certifications in fraud examination or risk management is a plus. 3+ years of proven data analytics experience in Model development, risk management, or a related field. Experience in US banking domain. Hands- on experience in Python/Pyspark, SQL, visualization tools like Power BI, Tableau, Qlikview. Experience with risk models, risk assessment methodologies, and regulatory compliance. Excellent communication and presentation skills with the ability to convey complex information clearly and concisely. Detail-oriented with a proactive mindset toward problem solving and risk mitigation. Ability to work collaboratively in a cross-functional team environment.

IRB Scorecard Analyst (Python) Location: Bangalore (Hybrid) Exp: 3-8 yrs Join: Immediate to 30 days What Youll Do: Develop and maintain Basel IRB scorecards (PD/LGD/EAD) end-to-end using Python Perform feature engineering, binning, weight-of-evidence transformation & model calibration Back-test and monitor scorecard performance; investigate PSI/KS drift & data anomalies Extract and profile data via SQL; prepare regulator-ready documentation Must Have: 3–8 yrs in IRB scorecard development or credit-risk analytics at a bank/consultancy Expert in Python for statistical modeling (pandas, scikit-learn, statsmodels) Strong SQL skills for data extraction & profiling Solid understanding of Basel II/III IRB guidelines and risk-weight parameters Nice to Have: Hands-on experience with SAS or R for supplementary analyses Familiarity with model-risk management frameworks (SR 11-7/RBI MRM) Experience automating workflows via Python scripting or CI/CD If Interested, kindly share your resume on my email ID - simran.salhotra@portraypeople.com

Position: Analyst / Sr. Analyst - Financial Spreading About bluCognition: bluCognition is an AI/ML based start-up specializing in risk analytics, data conversion and data enrichment capabilities. Founded in 2017, by some very named senior professionals from the financial services industry, the company is headquartered in the US, with the delivery centre based in Pune. We build all our solutions while leveraging the latest technology stack in AI, ML and NLP combined with decades of experience in risk management at some of the largest financial services firms in the world. Our clients are some of the biggest and the most progressive names in the financial services industry. We are entering a significant growth phase and are looking for individuals with entrepreneurial mindset who wants us to join in this exciting journey. https://www.blucognition.com/ Summary: We are seeking a detail-oriented professional to join our team, supporting credit risk management for a US corporate travel management. This role involves analyzing and spreading financial statements, ensuring data accuracy, and leveraging automation tools to enhance operational efficiency. The ideal candidate should have strong understanding of financial analysis, business analytics, and forecasting, with the ability to work with financial statements in multiple languages, including French and Spanish. Roles & Responsibilities: 1) Review and interpret financial statements, including balance sheets, profit & loss statements, cash flow statements, tax filings, and bank statements for entities across the US, Canada, and Europe. 2) Utilize automation tools to manage financial data, process case files, and handle workflows in Excel or internal portals. 3) Conduct external research to verify entity authenticity and assess financial health. 4) Maintain and update trackers, reports, MIS, and templates to ensure operational efficiency. 5) Collaborate with internal teams (Technology, Management) and clients to ensure smooth operations and data integrity. 6) Adapt to multiple processes and step in where needed to support business requirements. Requirements: 1) Bachelors degree (B.Com, BA, B.Sc) required; MBA/M.Com with finance knowledge preferred. 2) 0 to 3 years of relevant experience. 3) Strong understanding of financial statements and ability to assess an entitys financial health from a credit risk perspective. 4) Proficiency in MS Office (Excel, Word, PowerPoint) and ability to work with data, extract insights, and handle unstructured environments. 5) Excellent written and verbal communication skills with the ability to create presentations for executive audiences. 6) Should be open for flexible / rotational working hours. Location: D - 3010, Solitaire Business Hub, Viman Nagar, Pune - 411014, Maharashtra, India Mode of Work: Onsite / Work from Office (WFO) Working Days : 5 Days a Week Shift Timings: Rotational / Flexibility required

Job Description: The Market Risk team at Infosys Limited is looking to expand its presence in India to support its activities in data management Risk operations product and research We are looking for experienced professionals who have experience working with real world data and are comfortable with statistical analyses We seek motivated self starters and team players who are eager to collaborate learn new things and go the extra mile for our internal and external clients Key Responsibilities: At least 3 8 years of experience in market risk measurement within an investment bank or other financial institution previous VaR or Credit Risk experience is required Knowledge in Asset Classes any 1 2 of these Equity Fixed Income FX Commodities Derivatives Structured Products Experience knowledge of Fixed Income and Derivatives especially Corporate Bonds Interest Rate derivatives Total Return Swaps TRS Credit Derivatives CVA FVA etc Basic understanding of pricing and valuation of these products Understanding of key risk profitability concepts such as Probability of Default Event of Default Jump to Default Present Value of basis point Mark to Market volatility Yield curve parallel and point shifts in yield curve etc Ability to dissect price of a security onto its various constituent components such as interest rate curves and the corresponding relevant term structure sensitivity A higher degree in one of those areas or in finance or a professional qualification e g CFA FRM PRIMA would be an advantage General knowledge of risk issues and investment products together with some programming skills would be also desirable Ability to work well in a team and building relationships Ability to produce high quality accurate work under pressure and to tight deadlines Willingness to question and challenge the status quo and ability to provide alternative approaches Preferred Skills: Domain->Financial Risk Management->Credit Risk Management,Domain->Financial Risk Management->Market Risk Measurement & Control

1.. Achievement of Budgeted Sales Volumes. 2. Build relevant Sales structuer for State/region. 3. Work with branches on necessary productsdistribution to build the portfolio. 4. Achievement of cross sell targets. 5. Responsible for soft bucket collections and maintain the delinquency as per desired level. 6. Work closely with Credit Risk departments on product on Product process roll outs. 7. Adhere roll out Audit compliance / requirement to Sales vertical. . Monthly/Annual Sales Volumes/Portfolio as per budget plan. Responsible for metrics IRR, process fee ATS Drive cross sell initiatives like insurance , other products through the team as well as the branches . Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Excellent communication Skills English language fluency - both verbal and written 10+years of overall experience Behavioral Competencies Team work. Ability to work stretch/Multi-Tasking Environment. Effective Communication ability at different levels. Adaptable to complex Work environmentsOrganizational values. Task master having a daily grind on Sales/revenue numbers

At Capgemini Invent, we believe difference drives change. As inventive transformation consultants, we blend our strategic, creative and scientific capabilities,collaborating closely with clients to deliver cutting-edge solutions. Join us to drive transformation tailored to our client's challenges of today and tomorrow.Informed and validated by science and data. Superpowered by creativity and design. All underpinned by technology created with purpose. What you will love about working here We recognize the significance of flexible work arrangements to provide support. Be it remote work, or flexible work hours, you will get an environment to maintain healthy work life balance. At the heart of our mission is your career growth. Our array of career growth programs and diverse professions are crafted to support you in exploring a world of opportunities. Equip yourself with valuable certifications in the latest technologies such as Generative AI. Your Role We are looking for a skilled PySpark Developer with experience in Azure Databricks (ADB) and Azure Data Factory (ADF) to join our team. The ideal candidate will play a crucial role in designing, developing, and implementing data solutions using PySpark for large-scale data processing and analytics. Your Profile Design, develop, and deploy PySpark applications and workflows on Azure Databricks for data transformation, cleansing, and aggregation. Implement data pipelines using Azure Data Factory (ADF) to orchestrate ETL/ELT processes across heterogeneous data sources. Conduct regular financial risk assessments to identify potential vulnerabilities in data processing workflows. Collaborate with Data Engineers and Data Scientists to integrate and process structured and unstructured data sets into actionable insights.

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 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 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

.Our Client , a rapidly growing data-driven organization specializing in Financial Services. in Business for over 15 Years having its HQ @ Chennai Is Looking for A Lead Analyst As a Lead Data Analyst, you will be responsible for overseeing the analysis of large and complex datasets to uncover meaningful insights that support client decision-making. This role offers strong opportunities for career advancement and leadership, with exposure to advanced tools and technologies. High-performing individuals may also be considered for short-term travel to the United States for knowledge-sharing assignments. Role & responsibilities Lead a team of analysts to work on large datasets using SAS, SQL, and Excel . Drive credit risk analytics , including scorecards and portfolio analysis. Build dashboards using Tableau to present insights clearly. Mentor junior analysts on tools, techniques, and best practices. Translate complex data into actionable business recommendations . Present findings to both technical and non-technical stakeholders. Preferred candidate profile Graduate or Postgraduate in a relevant field. 5 years in data analytics, 2+ years in a lead role. Strong in SAS, SQL, Excel , and Tableau . Solid experience in credit risk modeling and regulatory reporting. Strong communication, leadership, and stakeholder management skills. Must be detail-oriented, self-driven , and a problem solver . Willingness to adapt in a dynamic work environment What You Get Competitive salary + career growth opportunities. 5-day workweek (Sat/Sun off). Exposure to global clients and latest tools & frameworks . Opportunity or short-term US travel for project alignment. For Queries contact Vasudevan @ 7845912093 Rush Email to svv@skillmine.co.in

Model Validation & Data Quality Specialist (Credit Risk) What Youll Do: Validate SAS-based PD/LGD/EAD models: back-testing, sensitivity, stress-testing Profile and fix data issues via SAS/SQL; track data-quality KPIs Draft concise validation reports and regulator-ready documentation Collaborate with model developers, data stewards, audit & regulators Must Have: 3 - 8 yrs in model validation or credit-risk analytics (bank/consultancy) Expert SAS + strong SQL; Python/R a plus Solid grasp of Basel IRB parameters & MRM frameworks (SR 11-7/RBI) Clear report-writing and stakeholder communication Nice to Have: Data-governance tool experience (Collibra/Informatica) PRMIA or similar model-risk certification Automation via SAS macros or Python If interested, Kindly share your resume on simran.salhotra@portraypeople.com

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: BBA/BCom/Master of Business Administration Years of Experience: 1 to 3 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.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for The employee should have minimum of 10 to 12 years of experience in commercial portfolio management Willing to work in night shifts Have client handling expertise Possess OM fundamental knowledge Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification BBA,BCom,Master of Business Administration

Skill required: Property & Casualty- Underwriting - Underwriting Designation: Underwriting Associate Manager Qualifications: Any Graduation Years of Experience: 10 to 14 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 As a Leader, you are respected for your technical expertise and ability to oversee programs and processes. You balance the needs of multiple stakeholders, making sound decisions using data, analysis, experience, and judgment, along with a risk mindset. Ultimately, you take ownership of key outcomes.Define Insurance policy and calucating premium including terms and condition for PropertyThe Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for In this role, you will be responsible for the strategic planning and development of all (Region/Country) Underwriting Analyst operations and report directly to Head of Operations. You will coordinate with and guide the Underwriting Analyst Managers for all product lines and identify and design processes and controls that will drive continuous improvement.Insurance Underwriting Migration Location strategy Technology for process automation Data analytics Performance Monitoring Insurance Certification (CPCU AINS IIA CII) Green/Black Belt Process restructuring Budget planning. Roles and Responsibilities: Applies strategic organizational thinking.Displays strong leadership skills.Possess deep analytical capacity for systems, processes, and controls.Develops key relationships with the field and home office underwriting leaders to execute the end-to-end underwriting processes.Manages a cross-regional team of Underwriting Analysts and develops emerging talent to ensure succession through mentoring and coaching.Provides vision, clarity, and direction to all stakeholders.Works with team members and underwriters to determine needs and provide solutions in alignment with the global strategy of standardization to manage control and maximize efficiency.Develops and implements guidelines and processes to ensure consistency, global controls adherence, workload sharing, and best practice knowledge transfer.Assumes an active role in the implementation of the Standard Commercial Underwriting Platform transformation.Communicates and collaborates across the organization to provide solutions/recommendations to achieve organizational success. Qualification Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: BCom 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.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Account ManagementAccounting Journal EntriesAccounting & Financial Reporting StandardsAccount ReconciliationsCommitment to qualityAgility for quick learningProcess-orientationAbility to work well in a teamWritten and verbal communication 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 BCom

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

Key Objective of the Job: Credit analysis of proposal and preparation of credit notes. Facilitate faster deal closures through proactive participation in deal structuring and credit enhancement, striking a balance between business growth and portfolio quality. Meeting new customers and existing customers on regular basis Monitoring of portfolio on regular basis. Identify stress in account (Early warning signal) and initiate corrective measures Ensure continuous monitoring for all high value exposures in the region. Major Deliverables: Quality of Credit Underwriting Portfolio Performance w.r.t. delinquencies, deferrals, Annual reviews/ renewals etc Portfolio Monitoring To develop good market intelligence through regular interactions with competitors, key business groups, CA firms, etc To raise early warning signals for exit of stress accounts and take due measures for timely exit. To ensure minimal audit queries including RBI and statutory audits and resolve the same within prescribed timelines.

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

Job DescriptionYou will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitabilityDevelop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies.ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasetsExperience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable).

10795 To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones

Key Responsibilities: Analyze financial risk data to identify trends and support risk mitigation strategies Collaborate with stakeholders to define business and functional requirements Assist in the development and enhancement of risk models, dashboards, and reporting tools Ensure compliance with regulatory requirements (e.g., Basel, IFRS 9, etc.) Support project management activities across risk and finance initiatives

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. Responsibilities Build and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitability Monitor and update credit policy to optimize for company risk, profitability, and growth targets Propose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into production Monitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impacts Collaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysisSupport the marketing and product team with their data needs Qualifications Fluency in SQL and R/Python Previous experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditors Strong strategic thinking and problem-solving skills 2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industry Enthusiasm for working across cultures, functions and time zones