1409 Credit Risk Jobs - Page 32

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Palanpur, S9 Complex, JM. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 10 years of experience in credit underwriting and risk management. Possess strong knowledge of credit underwriting principles, practices, and regulations. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills.

Job Title: AVP- Regulatory Reporting Location: Chennai, Tamil Nadu (Onsite) Role Overview: Lead the end-to-end production of capital and RWA reports, embed robust controls and continuously strengthen our Basel/Pillar framework to ensure full compliance and data integrity. Key Responsibilities: Reporting Ownership: Compile, validate and submit all prudential returns (capital, leverage, RWA) within regulatory deadlines. Risk & Control: Identify reporting gaps, design mitigation measures and oversee remediation through regular controls testing. Process Improvement: Collaborate with IT to automate workflows, enhance report accuracy and reduce manual interventions. Regulator Engagement: Act as the primary point of contact for PRA queries, audits and ad-hoc data requests. Stakeholder Training: Develop targeted sessions and documentation to keep business and risk teams aligned on reporting standards. Must Haves: Technical Expertise : 5+ years working on Basel/Pillar frameworks, RWA calculations and PRA submissions. Analytical Mindset: Skilled at dissecting large datasets, identifying anomalies and driving data-backed decisions. Controls Experience: Proven ability to build, test and refine governance frameworks in a banking environment. Influence & Communication: Confident presenting complex topics to senior stakeholders and regulators. Project Drive: Track record of leading cross-functional initiatives to improve efficiency and accuracy. If interested, please share your resumes to sunidhi.manhas@portraypeople.com

Processing of each disbursal by scrutinizing profile, documentation, process & risk Helping the Head Process & Credit Risk in Controlling credit monitoring process In-personal verification & Reporting Checking the authenticity of documentation Management of Prize Money Distribution by complying Security Norms & Financial Delegation Implement Process flow of credit. Scrutinizing profile, documentation, process & risk Credit monitoring process Review of In-personal verification & authenticity Review of authenticity of documentation Stock Taking of receivables & Payment track for the debt outstanding Report for recovery/legal action to collect the money owned Other duties as delegated from time to time

Collection Lead MSME Loan Location: Bangalore Experience: 7+ Years What is Muthoot FinCorp ONE Muthoot Fincorp ONE, is a fintech startup and SBU of Muthoot FinCorp Ltd., building a financial ecosystem where customers can access relevant and reliable digital services across an expansive range of digital financial products in segments like Lending, Saving & Investment, Protection, and Remittance. Our products are designed to ensure a simple, reliable, and responsive financial environment for our customers. Envisioned to be the most trusted financial service provider, our app has an easy-to-use interface aimed to enhance user experience and comfortable navigation. Our promoter, Muthoot FinCorp Ltd., is one of the most reputed names in the Fintech industry and has the customers trust in diverse segments like Financial Services, Automotive, Hospitality, Alternate Energy, Real Estate, and Precious Metals. We continue to uphold the values of our parent, the Muthoot Pappachan Group by providing you with easily accessible services, replete with our unmistakable quality. Muthoot FinCorp ONE believes in an ownership driven startup culture, where cumulative success is paramount, and each team member is valued and nurtured. Job Description As a Collection Lead, you will be responsible for strategizing and managing the collections process for MSME loans disbursed through Anchor Partners. Your primary focus will be on ensuring timely and effective repayment from borrowers, minimizing delinquencies, and preserving portfolio quality while maintaining positive customer and Anchor relationships. Key Responsibilities: Develop and implement effective collection strategies tailored to the MSME loan pro ducts . Monitor and analyze collection performance to identify trends and areas for improvement. Oversee the entire loan portfolio, ensuring timely collection of dues and reducing delinquency rates. Identify high-risk accounts and develop action plans to mitigate potential losses. Engage with MSME clients to negotiate repayment plans and settlements. Maintain positive relationships with borrowers to ensure ongoing cooperation. Address and resolve customer complaints and disputes effectively. Ensure all collection activities comply with relevant laws, regulations, and internal policies. Prepare regular reports on collection activities, performance metrics, and recovery rates for senior management. Maintain accurate and up-to-date records of all collection efforts and outcomes. Conduct regular risk assessments and develop strategies to manage and mitigate risks associated with loan collections. Work closely with the risk management and credit teams to enhance the overall credit risk framework. Analyze financial statements and other relevant documents of MSME clients to understand their repayment capacity. Use financial data to inform collection strategies and negotiation approaches.

Processing of each disbursal by scrutinizing profile, documentation, process & risk Helping the Head Process & Credit Risk in Controlling credit monitoring process In-personal verification & Reporting Checking the authenticity of documentation Stock Taking of receivables & Payment track for the debt outstanding Other duties as delegated from time to time

Processing of each disbursal by scrutinizing profile, documentation, process & risk Helping the Head Process & Credit Risk in Controlling credit monitoring process In-personal verification & Reporting Checking the authenticity of documentation Management of Prize Money Distribution by complying Security Norms & Financial Delegation Implement Process flow of credit Review the credit policy periodically Scrutinizing profile, documentation, process & risk Credit monitoring process Review of In-personal verification & authenticity Review of authenticity of documentation Stock Taking of receivables & Payment track for the debt outstanding Report for recovery/legal action to collect the money owned Other duties as delegated from time to time

Key Responsibilities. Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving student's queries. Manage the process from eligibility to the sanctioning of the loan. About CompanyWeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

Our esteemed buy-side client is currently looking for a highly skilled and experienced Analyst to join their Private Credit team, specializing in financial modeling of private companies. The ideal candidate will play a critical role in portfolio monitoring & surveillance and providing valuable insights. The successful candidate should have experience in credit financial modeling, with a strong preference for candidates holding a CFA designation or currently pursuing the CFA program. Key Responsibilities: Monitor financial performance and key performance indicators of portfolio companies Gathering business, financial data on borrower companies on a regular basis for consumption by investment team Presentation and write-ups support for investment team for internal and external meeting Financial reporting on portfolio companies on an ongoing basis Research support on an adhoc basis in supporting investment team needs in securing new business eg. market studies and research, market trends, Development of standardised info pack for each investment in the portfolio. Monthly management reporting and variance analysis Financial analysis, financial modelling, credit scoring assistance to investment team including scenario Analysis Development and maintenance of valuation models for all investments Monitor financial performance and key performance indicators of portfolio companies News and information search support for existing and potential investments Requirements: Master’s degree in finance, accounting, or a related field. Experience in private credit. Strong proficiency in financial modeling, credit analysis, and data analysis. Demonstrated expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. Excellent analytical and problem-solving skills, with attention to detail. Candidates with a CFA designation or those actively pursuing the CFA program will be given preference. Advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools. Strong written and verbal communication skills for presenting complex financial information effectively. Proven ability to work independently and collaboratively in a fast-paced, dynamic environment.

Today, markets face a whole new set of pressures but also a whole lot of opportunity too. Opportunity to innovate differently. Opportunity to invest responsibly. And opportunity to make change. Join us at DWS, and you can be part of an industry-leading firm with a global presence. You can lead ambitious opportunities and shape the future of investing. You can support our clients, local communities, and the environment. Were looking for creative thinkers and innovators to join us as the world continues to transform. As whole markets change, one thing remains clear; our people always work together to capture the opportunities of tomorrow. Thats why we are Investors for a new now. As investors on behalf of our clients, it is our role to find investment solutions. Ensuring the best possible foundation for our clients financial future. And in return, well give you the support and platform to develop new skills, make an impact and work alongside some of the industrys greatest thought leaders. This is your chance to achieve your goals and lead an extraordinary career. About DWS Investment Risk: The Chief Risk Office within DWS is an independent function responsible for protecting the business as well as being a trusted adviser and partner for supporting sustainable business growth. As part of the Chief Risk Office, the Investment Risk team is in charge of independent oversight of investment risk of DWS fiduciary portfolios. In this role, it designs and executes the risk programs to identify, measure, control and manage market, liquidity, sustainability, and counterparty risk of fiduciary portfolios. This includes the regular monitoring, analysis, and reporting of risk to portfolio management and DWS management boards. Your key responsibilities Conduct portfolio risk monitoring, analysis, and reporting across risk types (market risk, liquidity risk, counterparty risk and sustainability risk) and asset classes (e.g. equity, fixed income, and commodities) Support and execute data quality management and escalation processes of different risk metrics Develop and prepare reports, dashboards and memos on investment risk for management and other oversight bodies Review of new / existing product risk profiles and portfolio positions to identify potential sources of investment risk Support the development of systems and tools to automate and operationalize risk limitation, measurement, monitoring and escalation processes Contribute to global and local projects in the Liquid Investment Risk Management Team Your skills and experience University degree in Finance or quantitative field, Chartered Financial Analyst or Financial Risk Manager designations a plus At least 5 years of proven experience in the financial services industry with experience in different risk functions (market, counterparty, credit, liquidity, sustainability) preferably within a buy-side firm Proven experience analysing VaR metrics Proven experience with analytical models for financial instruments Previous experience with BlackRock Solutions Aladdin preferred Strong knowledge of risk management across a diverse set of instrument types, business mandates, and risk disciplines (market risk, liquidity risk, counterparty, sustainability risk) Excellent verbal and written communications skills, with ability to communicate issues to management proactively and effectively Proactive mind-set to implement process improvements and new solutions Strong organizational skills and ability to manage competing priorities Strong working knowledge of MS Excel, PowerPoint, VBA, SQL, and Python

Position Summary The ideal candidate will play a key role in setting up and managing our credit & Fraud risk management frameworks and strategies. They will oversee a team responsible for developing, implementing, and refining risk management rules and collection strategies to support our digital lending initiatives. This position requires strong analytical, strategic, and technical skills, as well as a deep understanding of risk management in the lending domain, specifically within NBFCs, banks, or fintech organizations. Key Responsibilities Lead, mentor, and manage a team of analysts and data scientists focused on credit risk, fraud detection, and collection strategies. Design and implement credit risk management rules and models for digital lending, ensuring robust credit risk assessment. Define risk segmentation strategies and establish differential pricing models for varying risk profiles to support profitable growth Conduct portfolio analysis to monitor and control exposure across various lending products, ensuring adherence to risk appetite limit Develop and implement fraud detection and prevention strategies using advanced analytics and machine learning techniques Create robust fraud risk management policies, incorporating rule-based and behavioral analytics to identify potential fraud patterns. Define and implement data-driven collection strategies to optimize recovery and minimize losses • Develop scorecards and segmentation models to prioritize collections efforts, customizing approaches for different customer segments. Collaborate with operations and customer service teams to ensure effective deployment of collection strategies. Use advanced analytics to continuously monitor collections performance, adjusting strategies to maximize recovery rates Develop and maintain Python-based models and scripts to automate risk and fraud analytics processes. Work closely with product, compliance, technology, and operations teams to ensure credit and fraud risk strategies align with business objectives and regulatory requirements. Collaborate with external partners and vendors, as needed, to enhance risk management capabilities. Ensure compliance with regulatory standards and best practices in risk management, credit underwriting, and collections. Core Skills & Experience Masters or Postgraduate degree in Finance, Economics, Statistics, Data Science, or a related field. Minimum of 10 years in credit risk, fraud risk management, or collections strategy within the lending industry (NBFCs, banks, fintechs), with significant experience in digital lending. Proficiency in Python for data analysis, model development, and automation of risk strategies. Familiarity with data visualization tools (e.g., Tableau, Power BI) and statistical tools (e.g., R, SAS) is a plus. In-depth understanding of credit and fraud risk management frameworks, digital lending processes, and industry best practices. Strong quantitative and analytical skills, with a demonstrated ability to interpret complex data and translate findings into actionable strategies. Excellent written and verbal communication skills to effectively present insights and strategies to technical and non-technical stakeholders. Proven experience managing and motivating a high-performing team, with a collaborative approach to cross-functional work.

Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. About Credit Risk Management Function Credit Risk is a centralized risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the banks Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the banks credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the banks capital. Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs, Leveraged Lending, CRE, Project Finance) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance Derivatives, and complex/structured facilities and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposure: Updating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DBs underwriting standards, at the same time supporting the Business to achieve agreed targets. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite while maintaining DBs high underwriting standards Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Part of regional team supporting senior credit officers covering Southeast Asian counterparties. Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting/analysis for Corporates, Financial institutions and Non-bank Financial institutions with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources. Strong analytical skills, meticulous and strong knowledge of financial markets, economic/industry trends and global risk regulations. Good working knowledge of relevant banking products including Financing, Commercial Real Estate, Commercial Banking, Trade Finance, complex/structured loans and Derivative products. Ability to build strong relationships internally with stakeholders locally, regionally & globally, both functionally and with Front office Business partners.Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

Role Description The candidate will be part of the Intraday Liquidity Management function responsible for the active monitoring and management of the Banks intraday liquidity position for EUR, USD, GBP, JPY currencies and securities at BoNY and Euroclear. Further expansions of the scope of the currencies will offer the opportunity to work on an evolving system with associated business processes. The role will focus upon the activities and liquidity risks associated with intraday activity across all businesses globally. It will also include preparation for and participation in the governance structure, centered on the monthly Intraday Liquidity Management Council. Candidate should have good Data Analytical skill to apply on large set of data. And generate Intraday Liquidity Buffer optimization opportunity. The candidate will develop strong working relationships with key stakeholders, including business heads and Treasury ExCo members, with the aim of communicating complex liquidity concepts to influence senior level decision-making. Treasury Treasury at Deutsche Bank is responsible for the sourcing, management and optimization of liquidity and capital to deliver high value risk management decisions. This is underpinned by a best-in-class integrated and consistent Treasury risk framework, which enables Treasury to clearly identify the Banks resource demands, transparently set incentives by allocating resource costs to businesses and manage to evolving regulation. Treasurys fiduciary mandate, which encompasses the Banks funding pools, Asset and liability management (ALM) and fiduciary buffer management, supports businesses in delivering on their strategic targets at global and local level. Further Treasury manages the optimization of all financial resources through all lenses to implement the groups strategic objective and maximize long term return on average tangible shareholders equity (RoTE). The current role is part of Treasury Office in DIPL Mumbai. The role requires interactions with all key regions i.e. APAC, EMEA and US. Function Description Liquidity management is responsible for managing the Banks liquidity position across a variety of liquidity metrics, both regulatory and internal, against agreed risk appetites across a number of dimensions: Group, entity and currency. The main purpose of liquidity management is to always ensure that DB can meet its liabilities as they arise. Your key responsibilities Understanding the liquidity risks arising from the intraday activities of all divisional businesses. Understanding intraday behaviours and advising businesses on how they can optimize their intraday liquidity footprint. The candidate will be required to use in-depth knowledge of intraday liquidity risk concepts combined with detailed MI in order to help optimise business activity on the intraday liquidity risks they generate. Coordinate with various stakeholders viz. Risk as 2nd line of defence, Business heads, Regulators and other areas of Treasury including Capital Management, Funds Transfer Pricing and Treasury ExCo. Suitable candidate would have Your skills and experience Experience/ Exposure: Experience within a Treasury department or business unit / support unit of an investment banks trading division. Experience in having dealt with fixed income, derivatives and equity products / businesses (Preferably). Exposure to payments, operations and intraday related activities (Preferably). Basic understanding of Basel III liquidity requirements. Working experience in Coding/Python skill (Preferably). Hands on experience in dealing Microsoft Office especially strong Excel skills is a must. Core Skills Strong analytical, problem-solving skills & numerical mindset. Possess high degree of commercial awareness. An Educational background in Finance. Effective organizational and inter personnel skills while interacting with business units and stakeholders. Articulate with excellent communication and presentation skills. Ability to communicate complex topics and to influence senior level decision-making. Self-starting willingness to get things done Curiosity being inquisitive willingness to question and strong drive to improve Manage innovative solutions in close cooperation with all relevant functions

Key Deliverables for the role Build the Credit and Operations functions in the Company covering the following: o Underwriting o Transaction Documentation o Disbursements o Banking Operations o Regulatory Compliance & Reporting (CERSAI, Credit Bureaus etc.) Lead a team of Credit & Operations Officers Managing quality & delivery turnaround of loan proposals. Enabling business growth Provide relevant & regular inputs for creation refinement of Credit policy. Will drive and support other miscellaneous initiatives as part of risk credit business technology as may be taken up from time to time. CA/ MBA with 10 14 years of relevant credit risk experience with reputed NBFCs & or Commercial Banks Exposure and knowledge of credit practices and products in small ticket lending (LAP Home Loans and unsecured loans) Should have local market knowledge of key industries, acceptable collateral, high risk areas etc. Should be fully conversant with legal documentation Candidates having experience in both Operations and Credit will be preferred.

We are growing our world-class team of mission-driven, entrepreneurial Data Scientists who are passionate about broadening financial inclusion by untapping insights from non-traditional data. Be part of the team responsible for developing and enhancing Oportuns core intellectual property used in scoring risk for underbanked consumers that lack a traditional credit bureau score. In this role you will be on the cutting edge working with large and diverse (i.e. data from dozens of sources including transactional, mobile, utility, and other financial services) alternative data sets and utilize machine learning and statistical modeling to build scores and strategies for managing risk, collection/loss mitigation, take-up rates and fraud. You will also drive growth and optimize marketing spend across channels by leveraging alternative data to help predict which consumers would likely be interested in Oportuns affordable, credit building loan product. RESPONSIBILITIES: Develop data products and machine learning models used in Risk, Fraud, Collections, and portfolio management, and provide frictionless customer experience for various products and services Oportun provides. Build accurate and automated monitoring tools which can help us to keep a close eye on the performance of the models and rules. Build model deployment platform which can shorten the time of implementing new models. Build end-to-end reusable pipelines from data acquisition to model output delivery. Lead initiatives to drive business value from start to finish including project planning, communication, and stakeholder management. Lead discussions with Compliance, Bank Partners, and Model Risk Management teams to facilitate the Model Governance Activities such as Model Validations and Monitoring. Lead, coach and partner with the DS and non-DS team to deliver results QUALIFICATIONS: A relentless problem solver and out of the box thinker with a proven track record of driving business results in a timely manner Masters degree or PhD in Statistics, Mathematics, Computer Science, Engineering or Economics or other quantitative discipline Hands on experience leveraging machine learning techniques such as Gradient Boosting, Logistic Regression and Neural Network to solve real world problems 7+ years of hands-on experience with data extraction, cleaning, analysis and building reusable data pipelines; Proficient in SQL, Spark SQL and/or Hive 7+ years of experience in leveraging modern machine learning toolset and programming languages such as Python Excellent written and oral communication skills Strong stakeholder management and project management skills Comfortable in a high-growth, fast-paced, agile environment Experience working with AWS EMR, Sage-maker or other cloud-based platforms is a plus Experience with HDFS, Hive, Shell script and other big data tools is a plus

Role Description This role focuses on a number of activities across Market Risk Metric Production and Analysis , Data Quality and Reporting for individual asset classes and Deutsche Bank as a whole. The role involved data validation and reporting and front to back process control of an asset class e.g. Equity, Credit, FX, Rates, Emerging Markets, and Treasury etc. The role includes market Risk Metric Production and Analysis using Historical Simulation, provision of analysis and explains across all relevant risk metrics. The role involves Run the Bank (RTB) Change Support through continuous improvement, business process reengineering, stability and process optimisation, test execution management. The role extends into Data Quality and Operational Governance - data standards, completeness and accuracy, BCBS compliance, governance, documentation (KOP). Team / division overview Market Risk Management (MRM) provides an independent view of market risks to Deutsche Banks senior management and manages Deutsche Banks Market Risk position in an independent and neutral way. The Market Risk Analysis and Control (MRAC) function is responsible for the provision of all official market risk metrics and core analysis in support of risk management decision making, on behalf of the Market Risk Management department. The team has a global presence with staff located in London, New York, Singapore, Mumbai and Pune. Your key responsibilities As a Market Risk Analyst primary responsibilities will be: Risk feed validation, mapping and related control Running of daily, weekly and month risk metrics like VaR, SVaR, IRC etc Review of various risk metrics at a business & portfolio level Generation and review of critical risk reports across different risk metrics VaR/ SVaR, EC, PST, IRC Work closely with other Market Risk functions, MRMs and Finance teams for risk analysis and resolve issues around respective asset classes Collate and analyse data to help highlight the issues that are impacting the daily production process and contribute to initiatives to resolve them. Contribute to governance forums around BCBS239 Support testing of the banks risk models e.g Stressed Period Selection etc. Your skills and experience Grad/post-grad degree. Qualified in a numerate discipline (Engineering/Maths/Statistics) will be plus. Strong understanding of financial markets, products, derivative pricing, and methodology. Excellent 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. A committed and motivated individual for self-development and growth Keen interest in various risk frameworks and how they are interconnected for banks capital Basic experience in using large datasets with experience in relevant software packages, e.g. MS Excel, MS Access, VBA, and SQL. Experience with additional programming languages is a plus, e.g. Python, Matlab, Sql Knowledge of coding in Python and Tableau exploration useful Able to multi-task and deliver under tight deadlines Able to work different shifts

job Responsibilities: Producing Liquidity and credit and banking exposure reports: Monthly /Quarterly Liquidity returns - NSFR, LCR, ALMM, PRA110 with reconciliation with Financials. Balance sheet driven returns: FINREP, PRA108, BOE statistical returns - (BT, ELS, GT, AD, AL, BE, CC, PL) Additional exposures related returns: FSA015, PRA loan book data, Asset encumbrance, Mortgages returns (MLAR) Capital and RWA returns: own funds, Credit exposure returns, Leverage ratio, Large exposure. Working experience and knowledge of the Liquidity reporting or Capital and RWA returns is necessary. Appropriate training will be provided in other balance sheet and Liquidity/Capital - RWA returns (as the case may be) but awareness and working experience in some of the returns will be a plus. Preparation of Management Information, both pre-defined and ad-hoc, as directed by the manager. Support in production of treasury ALCO packs Ensure compliance to Various regulations and SOPs. Ensure accurate, timely and completeness of reporting. Maintain reporting integrity and compliance with the regulations by highlighting any gaps or error in the processes or logic and actively look to improve/develop them further. Governances: Maintain finance team governance tracker, regular SOP updates, audit/regulatory action tracking, projects tracking, new regulations/compliance driven projects tracking. Maintaining tracker of regulatory queries and supporting response gathering. Work closely with the UK Financial Controller and provide input into internal policy forum discussions regarding interpretation of regulations and guidance. Key skills expected from the candidate: Very strong Excel skills Strong data analytical skillsand problem-solving skills Work experience-Minimum 5+ years of post-qualification experience in Regulatory Reporting- particularly Basel Reporting - Liquidity, Capital and RWA reporting. Experience in the Financial Services industry is essential - background in UK Regulatory (PRA/BOE) / Treasury / Risk management or related fields. Experience in handling large data, reconciliations and exercising controls- like building cross report controls and recs. Experience in Handling Regulatory Systems. New system implementation experience will be a plus Exhibit a control mind-set:cross check, build validation and cross validations, think through the impact. Adaptableto a fast changing, flexible working structure rather than being driven by instructions and hierarchies Diligentin routine tasks (some tasks will be daily, and routine and the candidate will be expected to ensure timely and correct updates to the regulatory reporting system) Keen learner and reader- assist with interpretation of new regulatory requirements. Be able to interpret reporting guidelines Team player and relationship builder: Support colleagues and peers and build working strong relationship across functions. Independently and effectively interact with confidence across teams (finance, credit risk, project, IT, operations, compliance), across jurisdictions (UK and India) to ensure all activities impacting regulatory reporting are executed efficiently and timely Enthusiastic-for taking up new assignments and projects and learning more Strong communication skillsare required as the role will involve interaction with management & colleagues at various levels; ability to engage senior stakeholders. Challenge and questionand not wait for instructions Have an organized and focused work ethic Improve processes and standardisethem as much as possible for a growing bank.

Producing Liquidity and credit and banking exposure reports: Monthly /Quarterly Liquidity returns - NSFR, LCR, ALMM, PRA110 with reconciliation with Financials. Balance sheet driven returns: FINREP, PRA108, BOE statistical returns - (BT, ELS, GT, AD, AL, BE, CC, PL) Additional exposures related returns: FSA015, PRA loan book data, Asset encumbrance, Mortgages returns (MLAR) Capital and RWA returns: own funds, Credit exposure returns, Leverage ratio, Large exposure. Working experience and knowledge of the Liquidity reporting or Capital and RWA returns is necessary. Appropriate training will be provided in other balance sheet and Liquidity/Capital - RWA returns (as the case may be) but awareness and working experience in some of the returns will be a plus. Preparation of Management Information, both pre-defined and ad-hoc, as directed by the manager. Support in production of treasury ALCO packs Ensure compliance to Various regulations and SOPs. Ensure accurate, timely and completeness of reporting. Maintain reporting integrity and compliance with the regulations by highlighting any gaps or error in the processes or logic and actively look to improve/develop them further. Governances: Maintain finance team governance tracker, regular SOP updates, audit/regulatory action tracking, projects tracking, new regulations/compliance driven projects tracking. Maintaining tracker of regulatory queries and supporting response gathering. Work closely with the UK Financial Controller and provide input into internal policy forum discussions regarding interpretation of regulations and guidance. Key skills expected from the candidate: Very strong Excel skills Strong data analytical skillsand problem-solving skills Work experience-Minimum 5+ years of post-qualification experience in Regulatory Reporting- particularly Basel Reporting - Liquidity, Capital and RWA reporting. Experience in the Financial Services industry is essential - background in UK Regulatory (PRA/BOE) / Treasury / Risk management or related fields. Experience in handling large data, reconciliations and exercising controls- like building cross report controls and recs. Experience in Handling Regulatory Systems. New system implementation experience will be a plus Exhibit a control mind-set:cross check, build validation and cross validations, think through the impact. Adaptableto a fast changing, flexible working structure rather than being driven by instructions and hierarchies Diligentin routine tasks (some tasks will be daily, and routine and the candidate will be expected to ensure timely and correct updates to the regulatory reporting system) Keen learner and reader- assist with interpretation of new regulatory requirements. Be able to interpret reporting guidelines Team player and relationship builder: Support colleagues and peers and build working strong relationship across functions. Independently and effectively interact with confidence across teams (finance, credit risk, project, IT, operations, compliance), across jurisdictions (UK and India) to ensure all activities impacting regulatory reporting are executed efficiently and timely Enthusiastic-for taking up new assignments and projects and learning more Strong communication skillsare required as the role will involve interaction with management & colleagues at various levels; ability to engage senior stakeholders. Challenge and questionand not wait for instructions Have an organized and focused work ethic Improve processes and standardisethem as much as possible for a growing bank.

Key Accountabilities: 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. Adherence to turn around times on customer loan requests, as per the agreed service level agreements Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders. If this opportunity matches your caliber, then apply for the same. Our team will connect you post the initial screening process.

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

Project Manager - Trade Finance in OFSAA related activities. Strong knowledge of Oracle Financial Services Analytical Applications (OFSAA) suite and its modules. Knowledge in OFSAA modules like ALM, LRM, FTP, PFT, GL Recon, IFRS9, Credit Risk.

Responsible for Credit & Risk appraisal of Secured Loans. Appraising deviations basis mitigants, relationships, local market knowledge, etc. Meeting customers to understand their needs and structure a proposal that fulfills both customers Required Candidate profile Using different avenues to get the customer information while underwriting. Experience in entire loan processing operations including scrutinizing the borrower assets, KYC, and Financial documents.

Roles and Responsibilities Urgent Requirement in NBFC Company Assistant Credit Manager Annalise risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Desired Candidate Profile 3 + Years of Experience in the field of NBFC/Banking/Any finance industry with relevant HL, Lap, and BL Products

Reference 25000CMT Responsibilities DEPARTMENT DESCRIPTION GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI) The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally Main Accountabilities The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions Clients may also require committed loan facilities Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk Conduct sector research to support the analysis Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client Propose obligor ratings using our internal rating tools Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality Monitor exposure and manage credit limit exceptions Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties Assist in special credit related assignments and projects, as required Required Profile required COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines Ability to identify and accommodate shifting priorities with little notice Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data Acquire ability to complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients Technical Skills Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SGs internal systems Desired: Knowledge of capital markets/traded products and committed financing facilities Knowledge of Asset Management and Banking Industry Advanced Excel skills, such as macros and pivot tables Why join us We are committed to creating a diverse environment and are proud to be an equal opportunity employer All qualified applicants receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status Business insight At SocitGnrale, we are convinced that people are drivers of change, and that the world of tomorrow will be shaped by all their initiatives, from the smallest to the most ambitious Whether youre joining us for a period of months, years or your entire career, together we can have a positive impact on the future Creating, daring, innovating, and taking action are part of our DNA If you too want to be directly involved, grow in a stimulating and caring environment, feel useful on a daily basis and develop or strengthen your expertise, you will feel right at home with us! Still hesitating You should know that our employees can dedicate several days per year to solidarity actions during their working hours, including sponsoring people struggling with their orientation or professional integration, participating in the financial education of young apprentices, and sharing their skills with charities There are many ways to get involved We are committed to support accelerating our Groups ESG strategy by implementing ESG principles in all our activities and policies They are translated in our business activity (ESG assessment, reporting, project management or IT activities), our work environment and in our responsible practices for environment protection Diversity and Inclusion We are an equal opportunities employer and we are proud to make diversity a strength for our company Societe Generale is committed to recognizing and promoting all talents, regardless of their beliefs, age, disability, parental status, ethnic origin, nationality, gender identity, sexual orientation, membership of a political, religious, trade union or minority organisation, or any other characteristic that could be subject to discrimination

Roles and Responsibilities Analyse risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Calculate financial ratios (e.g. credit scores and interest rates) Sanction TVR Desired Candidate Profile Hindsight Visit in Field Personal Discussion(PD) on Tele/Video/Physical Audit Clearance To process files for Disbursement credit manager is responsible for the entire credit granting process. Disbursement process in LMS.