1409 Credit Risk Jobs - Page 2

Chennai & Bangalore Experience: 4 to 8 years in counterparty credit risk RWA computation and data knowledge. Technical Skills: Proficiency in SQL, Excel Macros and VBA codes, Axiom, Tableau. Functional Expertise: Knowledge of Basel Credit risk norms, CRR III rules Project Experience: Experience in Transformation/Change projects within the regulatory reporting space. C oft Skills: Strong analytical and problem-solving skills, excellent communication and documentation abilities.C

Roles and Responsibilities Review and Analysis of historical loan data to understand the pattern from default point of view Experience in NBFC /Housing Loan or Wheels risk underwriting and Risk Monitoring. Should have experience either in Housing loan/ wheels or NBFC product. Experience in Process/ Policy drafting. Apply statistical tool to analyse the pattern and come with detailed assessment Review and Prepare risk dashboard for management which shows all important risk parameters Develop rating model/scorecard for various retail and corporate loans based on historical data . Coordinate with various stakeholder for the rating model implementation Prepare and maintain database of loan product from risk assessment point of view Ensure data is correctly captured in the system and coordinate with different team to fix the issue Coordinate with IT team for the automation of credit approval process Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption Manage a small team to monitor the performance of the asset portfolio Provide regular inputs for risk analytics and detailed data points impacting portfolio quality Coordinate with IT team for various project i.e. NPA, Perfios, Scorecard etc. Preparation of Bank wide Risk Dashboard to reflect Risk trend of the Bank Relevant Experience: Overall 7+ plus years of experience in Banking (preferably Risk). Technical Competencies: Good understanding of Credit risk related jargons like balance sheet, income statements, asset inventory statements Good understanding of various regulatory reports of credit risks Good command of Excel, SQL, etc. Analytical skills as well as a thorough understanding of banking laws, regulation, and policies and the ability to apply and explain complex regulatory, financial, and analytical concepts Interested candidate can share their resume on adarsh.pandey@utkarsh.bank

Formulation of Credit Policy for assigned products Review amendment proposal to credit policies Monitor effective implementation of credit policies Review and Analysis of historical loan data to understand the pattern from delinquency point of view Apply statistical tool to analyze the pattern and come with detailed assessment Review and Prepare risk dashboard for management which shows all important risk parameters Customer, vendor, competition visits & Market analysis Develop rating model/scorecard for various retail and corporate loans based on historical data Testing of scorecard/model on a regular basis and update Coordinate with various stakeholder for the rating model implementation Prepare and maintain database of loan products from risk assessment point of view Ensure data is correctly captured in the system and coordinate with different teams to fix the issue. Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption Regulatory, Audit reporting interested candidate can share their resume on adarsh.pandey@utkarsh.bank.

Department: Lending Services 0-2 months' notice candidates preferred due to business need. Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys RiskAnalyst (MRA) / CreditLens / client customized templates Analysis of financial statements including Income statement, Balance Sheet cash flow of public private companies for the credit appraisal process Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures 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 Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Department: Lending Services 0-2 months' notice candidates preferred due to business need Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities - Credit Review/ Analysis Preparing credit reports (annual/quarterly reviews) by including profile of the counterparty, key rating considerations, credit risk assessment, (including financial peer analysis, rating rationale, outlook etc.) Build forecast excel models Analyzing the business model, identifying strengths, weakness, risks, understanding the revenue models and the corporate structure of the counterparties. Analyzing and spreading the financial statements in Moodys 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 Going through the supplementary schedules, notes and MDA for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures 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 Responsible for delivering 100% quality, meeting strict deadlines and ability to work under pressure Regular communication with the client to ensure the expectations are met Analyzing financial statement, performance, and trend analysis for assessing the credit worthiness of large corporates. Managing a portfolio of clients and handling rating assignments. Adhering to standard operating procedure policies including compliance documentation. Maintaining strong relationship with the client Key Competencies Strong understanding of credit principles, policies, and regulations MBA (Finance) / CA (CPA equivalent) / CFA Experience of 3-12 years in credit report writing Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills Experience of working for a US based bank will be an added advantage

Essential Services : Role & Location fungibility At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . The role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. About the Role As a Credit Risk Analyst , the role encompasses analyzing and appraising the companies along with assessing risks and highlighting the same to the senior management. We are looking for someone with experience in financial analysis with basic understanding of accounting standards. Strong numeracy, analytical and research skills. You will be responsible for review of project/concession agreement(s) entered into with state level/central authorities. (applicable in Infrastructure Risk) Key Responsibilities Risk Analysis: Credit risk analysis and assessment of credit proposals across industries. Appraising credit risk involved in proposed transaction and assigning internal credit rating for the company and the banking facilities proposed. Draft and Review: Review of project/concession agreement(s) entered into with state level/central authorities. (applicable in Infrastructure Risk). Credit monitoring and project progress reviews (applicable in Infrastructure Risk). Articulating risk views at sanctioning forums. Articulation/presentation of credit analysis to senior management within CRMG. Knowledge on Regulations: Familiarity/knowledge of RBI Circulars pertaining to asset classification, project under implementation, large exposure framework and updates on Master Circular issued every year in July of each year. Stakeholder Management: Interfacing with other support groups such as Legal, Compliance and Credit Monitoring teams. Analyzing and appraising the companies along with assessing risks and highlighting the same to the senior management. Qualifications & Skills Educational Qualification: Chartered Accountant, MBA Finance IT Competence with proficiency in MS Office: Word, Excel (including financial modelling) and Power Point About the Business Group The Credit Risk Management Group oversees overall risk of the Bank, both at the corporate and retail level, working along with respective business counterparts. The Risk Group reflects the Banks guiding principle of "Return of Capital is Paramount". The organisational structure of the Risk Group is designed to emphasize on the independent status of the function. It is an integral part of governance, internal control and risk management process.

7+ years of experience in credit risk assessment/loan review of commercial credit with good understanding of risk policies and framework, credit lines, and counterparty credit risk Job duties Conduct independent, high quality, comprehensive reviews of borrowers across a diverse range of loan portfolios to assess adequacy of credit quality, loan documentation, credit administration, collateral valuations, risk rating accuracy, and compliance with established policies Analyse and interpret borrower specific information, including an independent assessment of repayment capacity, covenant adherence, legal documentation, and industry risk Interpreting and applying regulatory feedback and requirements as well as bank policies and credit standards and evaluate adherence of reviewed credits to these policies, credit standards, risk limits, and regulatory guidance Produce workpapers documenting review findings for internal presentation to bank management and external presentation to Line of Business partners and Regulatory review Qualification CA/MBA Finance/Graduate in Finance (Accounting) Skills required Strong knowledge of Indian banking laws and regulations, specifically those which pertain to commercial credit, underwriting, and credit department management Understanding of credit processes, such as loan origination and underwriting; credit policies; portfolio management; allowance for loan and lease losses; loan review and remediation Prior experience with risk ratings, risk rating methodology, and allowance methodology would be a plus Demonstrated experience overseeing and performing loan reviews is preferrable Effective communication skills and the ability to interact with all levels of management with limited supervision Working knowledge of project planning and project management methods and tools

Core Responsibilities: Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Individually Underwrite proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities. Study , Analysis & interpretation of legal & technical reports. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Manage Credit Managers & CPA team (Recruitment of CPA & managing all day to day activities of CM & CPA) Effectively Manage & upskill Credit Managers /CPA along with allocation of workload. Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Audit Compliance on all aspects stipulated by corporate office and regulatory compliance. Vendor Management Vendor Empanelment as per business requirement & vendor Review on periodic basis. Various MIS as per the requirement of Corporate office. Desired Experience Minimum 6 to 8 years in the field. Graduate Yes Masters/Postgraduate Yes Certifications CA Location - Mumbai,Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai

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

Role & responsibilities : Internal rating validation for Corporate, SME, Business Banking, NBFC, MFI, Broker, Bank clients across the bank. Key activities include. Detailed assessment and understanding of credit risk (industry, business, financials, management), credit ratings. Preparation of rating rationale along with rationale for any changes in risk scores Review deviations to the credit policy of the Bank. Recommendations/comments on all proposals placed to Board level credit committee with respect to policy compliance/ portfolio risk/ industry prospects, etc. Decision making along with the stakeholders (Credit/ Business) Effective interaction with business/credit groups across Large Corporates/ Emerging Local Corporates/ NBFCs/ Brokers/ MFIs/ Projects/ Small, Micro Enterprises/ Business Banking Effective resolution of internal audit/ external audit/ RBI queries Periodic review and updating of industry risk scores including assessment for new industries as deemed appropriate. Track latest industry developments by participation in seminars, conferences and client site visits, interactions with clients, rating agencies, industry database providers, Benchmarking of companies within sectors Stakeholder management: Candidate should be able to efficiently manage various stakeholders including senior management from both Credit and Business functions. Define and facilitate the achievement of goals and key performance indicators for direct reports and ensures effective implementation of the performance management process in the division. Nurture talent within the team by providing guidance, ongoing feedback, coaching and development opportunities to individuals to enable achievement of the defined goals. Develop and nurture a continuous talent pipeline for key roles in the division and provides mentoring for high potential talent in the organization. Ensure adherence to process and ability to work within pre-decided TAT Preferred candidate profile : Post qualification experience preferably in business, credit function in Wholesale/Mid Markets segments of a Bank or in Corporate ratings of Credit Rating agency . Strong understanding of finance and accounting concept Ability to identify key characteristics and drivers of diverse sectors/ businesses. Knowledge of risk assessment and control

You will be joining the CFT team as a skilled team member responsible for managing Retirals Trusts investments, financials, and other related functions of MSIL Provident Fund, Gratuity Fund, and Superannuation Fund Trusts. Your role will involve a deep understanding of financial markets, credit risk, liquidity risk, and more. Your responsibilities will include: - Monitoring cash flow forecasting and liquidity planning for retiral trust & for MSIL - Formulating and implementing strategies for equity and debt investments in G-sec, SDLs, corporate bonds, and mutual funds - Analyzing and proposing investment proposals for perusal to senior management ensuring compliance to EPFO/ other regulatory requirements - Dealing with various brokers/ market participants for purchase/sale of securities (G-sec, SDLs, corporate bonds) - Post-investments monitoring of credit quality analysis of Investment portfolio and related sectors - Exploring alternate investments opportunities to optimize returns - ALM management for retiral fund investments - Coordinating with market participants to understand developments impacting retirals trust - Managing operational aspects and related accounting for investment activities Additionally, you will be responsible for: - Monitoring cash flow forecasting and liquidity planning for retiral trust & MSIL - Record keeping and management of transactions related to Investment of retiral trusts - Periodic reconciliation of Investment register - Timely submission of data for actuarial valuation of Investment of Retirals trust - Preparation and finalization of financial statements of retiral trust, ensuring compliance with EPFO/Income tax/other regulations - Dealing with internal and external stakeholders including auditors - Exploring strategies for Equity and Debt portfolio churning to improve the return on Investment Other responsibilities will include identifying opportunities for digitization and automation to optimize processes, using tools like Power BI, Power Automate, and being ready to take up challenging assignments as required.,

The role of a Risk Manager in Credit Cards within the Retail Business Risk department at IDFC FIRST Bank involves assessing, managing, and reporting risks associated with the Credit Card vertical. As a Risk Manager, you will be responsible for the end-to-end drafting and implementation of credit policies, as well as effective stakeholder management. Your key responsibilities will include formulating credit card policies based on portfolio performance, defining and implementing intervention strategies for credit lines, portfolio monitoring through key risk metrics, and continuously improving the risk management framework for IDFC First Bank. You will collaborate with the product team to launch revenue-generating products and drive portfolio growth while focusing on retaining identified customer segments. To excel in this role, you should have prior experience in Credit Card Policy, Credit Risk, BIU, or Analytics teams, with a strong understanding of SAS, SQL, Python, Excel, and PowerPoint. You will also be involved in reviewing and assessing the portfolio, evaluating early warning signals, preparing risk assurance reports for senior management, and documenting key risk indicators and controls for critical processes or product launches. The ideal candidate for this position should have a Bachelor's degree in Engineering, Commerce, or Science, along with a Post-Graduation in MBA or PGDM. A minimum of 2 to 5 years of relevant experience is required to be considered for this role.,

As a Senior Manager Pre Sales for Financial Risk Management at Capgemini Invent, you will utilize your 12-15 years of experience to drive the Data-driven FRC Pre-Sales track. Your primary responsibilities will include leading pre-sales activities, engaging with clients to understand their business goals, and delivering high-quality experiences throughout the engagement process. You will be expected to create offers, client pitches, and business proposals, as well as respond to RFQs/RFPs to support the sales team in closing deals efficiently. In your domain role, you will leverage your expertise in measuring credit, market, and liquidity risks to provide advisory services to clients. You should demonstrate deep technical knowledge of financial products, lead client engagements effectively, and stay updated on market trends within the financial services sector. Additionally, you will be responsible for managing risk, communicating with stakeholders, and contributing to the development of consulting assets to support pre-sales activities. To excel in this role, you should possess relevant experience in the financial services industry, with a strong focus on front office sales and trading, risk management, and regulatory requirements. Your ability to communicate effectively, create compelling presentations, and interact with diverse audiences will be crucial. Proficiency in Microsoft PowerPoint and other MS Office tools is essential, along with the capability to manage complex projects and multitask efficiently. A Bachelor's degree with 12+ years of relevant work experience or a Master's degree with 10+ years of experience is required for this position. Certifications such as FRM, CQF, CFA, PRM, and knowledge/experience with Risk Management platforms will be beneficial. Strong verbal and written communication skills, problem-solving abilities, and a passion for customer-facing roles are key attributes we are looking for in a candidate for this role. If you are a proactive and results-driven professional with a keen interest in financial risk management and pre-sales activities, we encourage you to apply for this exciting opportunity to join our dynamic team at Capgemini Invent.,

Role Purpose Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Accountability Cluster 1 • Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA) Accountability Cluster 2 • Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. • Maintain system data quality. Accountability Cluster 3 • Comprehensive profile study and financial analysis and proposal making. • Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Accountability Cluster 4 • Team monitoring, mentoring and appraisals. Accountability Cluster 5 • Timely input on policy enhancements and optimization. Accountability Cluster 6 • Knowledge of regulatory reporting on account status and monitoring. Accountability Cluster 7 • Understanding market dynamics and frequent visits to customers. • Portfolio monitoring and reporting to management and relevant stakeholders.

Job Responsibilities: - Establishing and maintaining effective stakeholder engagement across organization and escalate timely and actionable information to key stakeholders. Gather training and awareness requirements basis the recurring issues/ incidents reported to ORM team. Monitor Operational Risk through operations risk tools and ensure continuous monitoring and highlighting to HORM for issues/gaps identified. Managing incident & external event database, issues and action tracker, risk register, KRI and SOP database for businesses Coordinate with first line units to complete RCA of incidents or operational issues as per timelines. Coordinate with all units and ensure Process documents / SOP are reviewed as per SOP framework, highlight to HORM for breach in timelines for SOP review completion. Prepare risk advisories, Snippets basis identified issue / gaps, highlighting mitigation strategies and publish on regular intervals. Work with BORMs, BHs, Business SPOCs for monitoring, Identification, Measurement, Evaluation, Mitigation, Testing and Reporting of risks and updating risk dashboard. Ability to manage Internal and external Auditors. Ensuring testing of Business Continuity in coordination with all business/Ops/IT units. Other Responsibilities: - Learn and develop skills and capabilities to support and address operational risk. Participate in discussions with relevant stakeholders, ensuring ORM alignment with the business agenda. Ensure to work effectively and proactively with business teams and industry participants to advise and assist in the management of risk and compliance matters. Ensure KPI or plans are tracked and met. Process mapping. Ability to prioritize amongst many conflicting needs, advocate a course of action, and pursue it consistently, while remaining flexible and responsive to dynamic situations Demonstrated ability to think strategically and innovatively and proven track record for delivering results. Strong ability to source, manage and analyse data to drive risk management strategies and decisions. High energy and a desire to work in a results and team oriented, rapid growth environment. Education Graduate / Postgraduate (15-18 years), MBA / ORM PG Certification Age 30-36 Years Work Experience At least 8 to 12 years of experience in ORM in a large BFSI organization for Retail and corporate lending business. (ORM experience in Insurance/investment/Wealth Management/IT, IS/other fields or in business & operations to be excluded) Primary Skill Superior knowledge of Retail, SME and Corporate lending business functions and associated principles Good knowledge of risk management practices and relevant regulations applicable to Operational Risk. Control testing experience. Intermediate Knowledge of Credit, Enterprise risk, underwriting, analytical models, credit process, fraud risk, third party risk, Governance. Technical Skills Advanced excel and PowerPoint presentation skills. Knowledge of BASEL framework, budgeting and planning. Strong relationship with India regulatory bodies such as RBI and the local FIU. Knowledge of risk and compliance practices / framework and Indian regulatory obligations with respect to relevant areas of law (AML/CTF, Data Privacy & Confidentiality, Consumer Protection, GST, payments etc.) Broad understanding of credit Risk. Working knowledge of data analysis and performance metrics using business management software (e.g., SAP, ERP, CRM) Additional Experience of IT & Cyber Security risk (including forensic) as well as regulatory risk is preferred. Knowledge of periodic evaluation and review of effectiveness of information security policies, procedures, standards and processes. Proven ability to plan and manage operational risk processes, develop innovative solutions for increased productivity. Management Skills Professional, organizational and communication demonstrated by previous professional success. Stakeholder Management Able to work independently under minimum supervision. Will be responsible for specific line of businesses for overall OR responsibility. Independent judgment is required to plan, prioritize and organize diversified workload, recommend changes in work practices or procedures. Ability to discern issues, escalate as needed and manage day to day operational issues. Should be comfortable with adapting and changing situations, incomplete information, and uncertainty; must be flexible and adaptable. Attention to detail & Drive for results. Soft Skills Fluent in English, Hindi and Preferably one regional language. Good interpersonal and verbal and written communication, presentation and facilitation skills. Team player with creativity, resourcefulness, a passion for problem solving, comfort with ambiguity and interpersonal acumen. Collaborate and build partnerships. Influence and inspire others. Proven ability to communicate, collaborate and manage relationships with key internal and external stakeholders. Ability to judge, analyse, evaluate, develop and effectuate solutions to complex problems.

Roles and Responsibilities Manage credit underwriting process for auto loans, including credit analysis, appraisal, and approval. Conduct thorough credit risk assessment to minimize defaults and maximize recoveries. Develop and implement effective credit policies, procedures, and guidelines for the organization. Collaborate with sales teams to identify potential customers' creditworthiness before disbursement of funds. Ensure compliance with regulatory requirements related to lending operations.

Some careers open more doors than others. If you re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. Business Descriptor HSBC Corporate and Institutional Banking is a markets-led, financing-focused business that provides investment and financial solutions. Through our international network, we connect emerging and mature markets, covering key growth areas. We partner with our corporate, government and institutional clients to help them achieve consistent, long-term performance. Our products and services include advisory, financing, prime services, research and analysis, securities services, trading and sales and transaction banking. Job Introduction We are currently seeking an experienced professional to join the GTS team at GIFT City branch, Gandhinagar, Gujarat. The purpose of the role is to develop, grow & position HSBC as top trade solution and service provider as an international business Unit in GIFT. The job holder responsibility includes leveraging the offshore unit as a corridor for driving business opportunities in line with GTS and CIB strategic priorities. The incumbent must identify business opportunities, propose needful GTS solutions, manage transactions, credit assessment/approval, coordinate with coverage and business development team along with ensuring diligence related to the outlined processes. The remit area may be an entire country, entire region or may be global and may cater for single or multiple business areas in HSBC. The nature of the activities may include account management, client onboarding, credit proposal evaluation, documentation, internal business services, internal transactions and credit services. Principal Responsibilities Responsible for being the primary contact for the relationship. Interacting with the senior management at the client s end. Responsible for revenue generation for the clients in the portfolio Ensuring that the financial and credit risks associated with clients is mitigated and controlled Cross Sell for different products to the client base To work with the product teams towards formulating and delivering client strategy. Working with RRM / GRB teams to ensure that local business strategy is aligned to global strategies on respective clients Run with the portfolio management approvals and other necessary reviews Managing daily credit exceptions, limit allocation, liaising with credit services for appropriate maintenance of limits Managing one off credit requirements including credit approvals and documentation Managing credit documentation negotiation and execution across all clients Liaising with internal teams for non-standard client requirements, ensuring due execution To ensure that the clients and our interactions with them, are in compliance with the existing regulatory guidelines. To support product / process / system rollouts related to any regulatory changes introduced by the regulators from time to time To build Corporate and Inst. Banking franchise value and reputation by ensuring that all responsibilities are executed flawlessly and HSBC promise delivered to the client in a timely, professional and cost-efficient manner Requirements Graduate / Post Graduate Degree Self-driven individual with ability to multi-task and manage time exceedingly well Client centricity and pro-activeness to drive business High levels of integrity in client dealing Robust knowledge / strong inclination to learn bank systems, processes, key local regulations, product offering of HSBC, documentation Understanding of credit risk Good communication and networking skills Good Analytical and reasoning skills Useful Link Link to Careers Site: Click HERE You ll achieve more at HSBC. HSBC is committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and opportunities to grow within an inclusive and diverse environment. Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.

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

To carry out the file audit of assigned locations as per hind sighting process and observe deficiency if any and follow up for their remarks / feedbacks for appropriate closure. Core Responsibilities: o Conduct periodical inspection of disbursed files to ensure process and polices norms are followed, highlighting areas of improvements at regular intervals. o Support the internal customers (credit and operations) team by providing feedback on qualitative processing and supporting improvements. o Implement effective controls and improvements in the process design, system and operation wherever required. o Prepare reports on the documention process adhering to timelines and accuracy. o Review customer data entry - demographic details (including income related & other additional information ), efficiency in LOS/Finone and ensure maximum files are processed and sanctioned with minimium error rate. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Coordinating for NHB & other statutory audit related to file maangement. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Prepare accurate and efficient reports and MIS for the review. o Understand policies and provide training to location teams to ensure process and polices norms are followed. o Ensure all PMAY files are validated before submission of claim to regulator. o Ensure and validate KYC checking at 100% Qualification: Graduate, Masters/Post Graduate

Job Description: Job Title: Senior Business Functional Analyst, AVP Location: Pune, India Role Description The Algorithmic Solutions (AlgoS) team is part of the Group Strategic Analytics (GSA) is seeking a highly motivated analyst to join our team. AlgoS is a small, dynamic team of specialists responsible for design and development of the financial algorithms on which regulatory risk measures such credit risk weighted assets, leverage ratio, expected credit losses and economic capital are based. The team has a deep understanding of existing and newly drafted regulations on capital requirement under both European and US rules with a particular focus on Credit Risk. AlgoS is an international team based in Frankfurt, London, and Pune. As a member of AlgoS, you will interact with a variety of divisions around the firm (Finance, Credit, Market Risk, Regulatory policy, Front Office, Audit and Technology). The interaction with numerous departments technology, front office, quant, credit risk methodology and reporting and the diverse projects that ensue allow for a challenging, varied, and multi-dimensional work environment. 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: Algorithmic Design: Understand new and amended capital regime regulations and translate these into intelligent, strategic, and sustainable calculations supporting a more accurate and transparent analysis and reporting of its impact. Business Programming: Design, document and write algorithms in a bespoke AlgoS business language, from which machine generated code is automatically created. Technical build : Facilitate in direct partnership with other technology department the creation of functional design and actual technical build and assure a precise and complete testing of the changes. Change Governance: Run algorithmic book of work in an Agile environment, face off Finance and GT change functions, and ensure successful build of solutions for continuous enhancements on existing and new regulatory framework. Sophisticated Data Analysis: Ad hoc analytic services for senior stakeholders on specific topics such as regulatory quantitative impact studies and what-if analysis for capital planning purposes. Your skills and experience: Master s degree in natural sciences, math, computer science, engineering, finance, or economics. At least 5 years of working experience, ideally in banking with exposure to credit risk and associated regulatory concepts. Engineer mind-set (curiosity, desire to change things, to design and shape processes, and to make projects happen). Work autonomously and feel comfortable working with teams that both welcome and challenge new ideas. Practical experience in programming (SAS, R, SQL, or Python) and working with big datasets. Practical experience on Basel 4 /CRR3 and reporting frameworks FINREP,COREP and Pillar 3 and US and European local regulations 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

About The Role : Job TitlePMO Risk Reduction and Service Owner for Key Vendors Corporate TitleVP LocationPune, India Role Description The Project Manager Risk reduction is responsible for leading risk and audit remediation initiatives for Hybrid Cloud Infrastructure division. This includes managing end to end delivery of risk mitigation plans, ensuring timely closure of audit findings and strengthening control environments. Strong project management, stakeholder engagement and risk oversight are key success to the role. The Service Owner (SO) is responsible for managing the entire lifecycle of third-party relationships within the organization. This role involves ensuring that all risk assessment tasks and activities are completed accurately and in a timely manner, overseeing the selection and screening of third parties, and ensuring compliance with regulatory requirements. The SO will work closely with various stakeholders to mitigate risks, manage subcontractors, and ensure continuous risk monitoring. What well offer you , 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Project Manager Risk Reduction : Promote risk awareness, encourage prioritization of risk remediation, process re-engineering and strategic risk management Provide processes for systematic, proactive, and forward-looking risk identification, risk assessment, monitoring, reporting and keeping GTI risk profile up to date Plan and execute thematic risk assessments and input into risk scenario testing and macro threat assessments Identify material remediation priorities for GTI and key cross divisional priorities impacting GTI (control / remediation book of work) Track project status, maintain action logs, and ensure documentation Be a catalyst and an enabler to the global leadership for achieving the objectives in line with changing regulatory and industry operating landscape and reducing risk against overall technology operations portfolio Ensure management transparency by way of timely risk reporting and proactive engagement and representing controls team at different governing forums Ensure alignment with internal risk frameworks and regulatory expectations. Service Owner Risk Assessment and Management: Complete risk assessments, ensure proper screening, and report third-party issues. Regulatory Compliance: Nominate Local Service Owners and ensure compliance with local regulatory requirements. Third-Party Selection and Screening: Select third parties, consider risk aspects, and review screening outputs. Control Assessments and Mitigation: Ensure third parties complete required tasks, develop continuity plans, and manage risk mitigation actions. Continuous Monitoring and Termination: Update risk assessments, perform post go-live controls, and execute termination strategies. Contracting and Payment: Complete risk assessments before service commencement, ensure contractual clauses are included, and execute risk process activities for contract renewals or amendments. Stakeholder Management Identify, Partner, and Collaborate Establish relationship with external and internal Audit teams to ensure effective and robust challenge to finding and to establish smart management action plans. Partner with 2nd LoD functions within the bank to ensure alignment towards Group wide minimum control standards Collaborate closely and proactively with Divisional Control teams and Embedded Risk teams to manage the audit finding lifecycle Promote and support proactive IT/IS risk culture at the Bank Your skills and experience Overall experience in similar roles for 5-8 years in a global Bank withing Technology division or IT/IS audit Minimum 5 years of experience within Risk and Control domain steering technology risk framework / control implementation in a global organization Proven experience in Project management in Risk related programs, including managing vendor governance in a global organization Good understanding of Industry best practices such as NIST, COBIT, ITIL and ISO 27001 etc Deeper understanding of industry wide risk landscape and regulatory expectations Cloud Computing Technology (GCP, AWS, Azure etc.) certifications or similar domains Other professional qualifications and certifications in Technology risk management How well support you . . . . 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 TitleEmbedded Risk Manager Risk, DCO/Risk team, VP Location Mumbai, India Role Description The Embedded Risk Team is an independent Risk Management group aligned to IB and Cross Product Operations, with the responsibility of supporting Operational Risk & Control for Investment Bank & Cross Product Operations. You will be aligned primarily to work with operations teams that support DBs Money Market & Treasury Operations business globally, with primary responsibility for Risk Management, Risk Reporting, and Incident & Finding Management, alongside broader control-led initiatives. You will partner with our global risk team and work collaboratively with 1st line operational staff to proactively managing all risk attributes, ensuring risk is managed in line within the group appetite. This is a high visibility role requiring ability to work independently, learn complex concepts quickly, build strong relationships, working collaboratively with business teams globally. Able to challenge and be challenged whilst maintaining the highest levels of professionalism. Drive quality and consistency across the ERT processes. This role will lead multifaceted and engagement with senior stakeholders across multiple teams globally. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your Key Responsibilities This role will lead multifaceted and with engage with senior stakeholders across multiple teams globally. Organizes and assembles the peoplepower, technology and processes necessary to address the current and future requirements of the business. Understands that risk identification is key to the business, collaborating with the line in remediating risk by implementing suitable controls. Playing an active and key role in stakeholder management necessary for supporting the mission, vision strategies, objectives, and goals of business. Developing and training the team and taking the function to the next maturity level Support the collation of key management information and the conduct of periodic risk governance meetings Review and approve finding life cycle event requests with COE team (in line with the standards highlighted in findings management policy) Review and approve Operational Incidents / Problems & Events, ensuring timeliness and accuracy in the recording of all required information and that all escalation requirements are made to relevant Senior Management. Chair Monthly Risk and Control Governance forums, ensuring all reporting attributes are covered and appropriate minutes and actions are recorded. Manage requirements of any additional Risk and Control initiatives and Senior Management requested Read Across of events where required. Provide an informed and independent risk perspective, including guidance and challenge to operational stakeholders. Engage with key stakeholders to assist in the development of a risk-based assessment Book of Work by referencing various trigger events e.g. key risk indicators outside risk appetite, major incidents or major change event Deliver functional training sessions to develop / enhance skillset for ERT team members Your skills and experience 15-20 years work Experience of working in financial services industry preferably in MNC Bank with strong functional and product knowledge of investment banking, payments, SCAF, MiFID II, asset and wealth management products as well as strong awareness of risk management principles including 3 Lines of Defense model. Experience with Finding Management and engagement with Internal / External Group Audit Have a demonstrated ability in taking a proactive approach to tasks and responsibilities with capability to work independently with minimal direction and prioritize competing deliverables A strong communicator with ability to develop relationships with both senior and junior levels and provide clear and unambiguous guidance and decisions. Inquisitive and probing approach to problem solving, strong analytical skills, high attention to detail, solid organizational and interpersonal skills. Effective problem-solving, decision-making capability and leadership qualities Strong verbal and written communication skills with experience of reporting to senior management Ability to maintain objectivity and independence in raising areas of operational risk exposure as well as in having an effective working relationship with key stakeholders Experience in handling projects independently and working to deadlines and budget i.e., strong project management skills Self-starter, proactive and excellent team player with ability to work well under pressure in a fast-paced environment and always with professionalism. Ability to be open minded, share information, transfer knowledge and expertise to team members Strong delivery focus and experience in leading projects end to end How well support you 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 TitleTrade and Transaction Operator, NCT LocationBangalore, India Role Description Ensure the continued delivery of a robust and stable operating environment to support the Global Trade Services (GTS). Contribute to the overall operational strategy of GTS function and responsible for its effective implementation. Improve service delivery and productivity to maximise service quality and operational efficiency and minimising operational risk through the effective implementation of appropriate controls. Demonstrated commitment to continuous process improvement is required with good People management skills. This role is part of the Trading assistants which require the trade/risk to be captured on T0 basis. Critical task which involves constant interaction with the Trading Desk and Risk and PnL teams, Docs / Setts to ensure all the trades blottered by the desk are taken into risk for the day. What well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities Sales Support function involving booking, consenting and confirmation of trades in external and internal platforms on T0 basis. Following up with Traders, Sales, Brokers, and Clients to ensure Trades are confirmed, cleared captured in the risk system. Liaison with Client/ Front Office / Docs / Settlements and ensuring exceptions are resolved in a timely manner. Monitoring the Front of Office system to make sure Sales Led Trades are captured correctly and confirmed by Client on timely manner. Resolving all inter-company breaks / system Reconciliation (FOBO) to ensure risk is not impacted for the traders. Supporting Sales desk along the entire trade lifecycle of the derivatives trade. Work with T+1 P&L teams to resolve any accounting differences from T0 P&L reporting. Understanding F2B system / process flow, streamlining and engineering processes to bring efficiencies. Complete ad hoc requests and projects for Sales desk. Monitor and escalate any Trade Capture/ issues that could potentially result in regulatory escalations for the bank. Should have strong knowledge on OTC derivatives trade life cycle preferably on Rates Derivative products. Reviews any exceptions raised by the team and/or escalated by the supervisor. Adherence to STARC standards and procedures and ensuring that there are no lapses or gaps in control. Ensure compliance to LOA. Distribute work, assign responsibilities, ensure appropriate staff levels, and provide necessary training. Ensure EOD controls. Demonstrate a proactive approach to all activities and create the environment for others to emulate this behavior. Develop knowledge across the team in order to provide as required, support/assistance to other teams. Share knowledge and provide appropriate training, guidance or coaching for the team. Your skills and experience Minimum of 5-7 years experience in derivatives or related products. Should have strong knowledge on derivative products CDS & Interest Rates Need to have complete understanding of trade life cycle. Need to be updated of regulatory changes & Market initiatives in derivatives product. Should own & resolve complex breaks independently and guide the team in resolving the same. Should be able to independently deliver on all organization mandates. Strong analytical skills, detail orientation, service commitment, and solid organizational and interpersonal skills. Ability to effectively maintain, coordinate, prioritize multiple tasks and projects. Must be prepared to work in a shift supporting US/UK business hours. Should be able to lead teams across time zones. Self-starter with ability to take things to their logical end. How well support you

About The Role : In Scope of Position based Promotions (INTERNAL only) Job TitleProcess Re-Engineering Lead - AVP LocationMumbai, India Role Description Market and Valuation Risk Management (MVRM) provides an independent view of market risks and valuation to Deutsche Banks senior management. Market risk team manages Deutsche Banks Market Risk position in an independent and neutral way. You will be a part of the Market Risk Analysis and Control (MRAC) function within MVRM and will be responsible for the provision of all official market risk metrics and core analysis in support of risk management decision making for Global Foreign Exchange asset class. The team operates a business/asset class and risk metric aligned organizational matrix supported by central functions. The team has a global presence with staff located in London, New York, Berlin, Singapore, Mumbai and Bangalore. You will be exposed to risk management techniques viz. analysis/computation of VaR, SVaR, Economic Capital, IRC, Backtesting, FRTB for a diverse range of derivative products. The team is also proficient in combining this risk knowledge with best in class automation and visualization skills including python/VBA/Tableau to provide value added analytical outputs to its stakeholders You will be expected to be proficient in automation tools (python essentially) with sufficient knowledge of risk to enhance the output of the team. What well offer you , 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities This is a Lead role for the Capital Release Unit (CRU) and CPM covering primarily below responsibilities: Manage the CRU Book of Work of the team, provide backup coverage for CPM business Timely risk validation and sign-off by working closely with production team based out of Pune Review and understand the historical simulation VaR, SVaR and other metrics such as Economic Capital (EC), FRTB and Backtesting (outlier analysis), including staying abreast of the development of this metric and related drivers Ensure that all control checks are in place and followed by the team so that the reports generated have correct information Understand Market Data time series and how to assess the impact of new time series on each metric Facilitating better risk analysis by improving on existing process and standardizing wherever possible. Tactically automating reporting infrastructure and work with IT teams for strategic automation Perform deep dive analysis into concentrations of risk or emerging items of interest, providing high quality and accurate information at a level for senior management consumption Perform analytical analysis of our limit to generate proposals for limit changes and for new limits Support the analysis and communication of business portfolio level topics to senior management and their committees Your skills and experience University degree in Finance, Economics, Mathematics or other quantitative subjects 7+ years experience in Market Risk within the Financial Market / Investment Banking industry (other relevant backgrounds e.g. Trading, Product Control, IPV will also be considered) Working knowledge of Python/VBA, Tableau will be added advantage. A bent towards adoption of Artificial Intelligence will be a big plus Good understanding of other Market Risk measurement techniques e.g. VaR, RNiV, Economic Capital, IRC Current or previous work-ex in similar area (Credit/CPM/CVA) Excellent stakeholder management skills and communication skills; ability to articulate technical and financial topics with global stakeholders A reliable team player with the motivation to work in a dynamic, international and diverse environment Able to multi-task and deliver under tight deadlines A committed and motivated individual for self-development and growth How well support you . . . .

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 well offer you 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Accident and Term life Insurance Your key responsibilities 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 well support you 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.