1409 Credit Risk Jobs - Page 38

We enable financial institutions to become digital leaders. As a professional team of global scale, we work with best clients for great and exciting projects, in an environment where we learn amazing things every day. Each code, each voice, each contribution, each challenge, each success is celebrated here. We welcome candidates who share our values, have the skills and are passionate to enjoy our journey to build the digital future of finance, together. About the job: We are looking for Senior Business Analyst with 7+ years of experience in Corporate Loan Origination Systems (CLOS) to join our rapidly growing team across regions. We are looking for someone with deep knowledge of CLOS implementations and experienced in requirements elicitation & representation of complex loan origination projects. If you enjoy working with large multi-national teams and in leading conversations with Clients on corporate banking front (focused on CLOS) then you will definitely enjoy in taking up this challenge. What you will be doing: Analyze all business requirements and provide detailed specifications Conduct and lead requirements gathering sessions using a wide variety of analysis methodologies Able to convert concepts into visual diagrams and processes using different tools like MS Visio, Balsamiq, Adobe XD Identify gaps amongst existing product and client requirements and suggest possible solutions What we are looking for: 7+ years of relevant working experience Bachelors Degree in IT, Computer Science Implemented multiple large-scale CLOS solutions in the last 5+ years and hands-on experience in managing complex business requirements Deep know-how of Corporate Banking concepts and loan processes & operations (including Loan Origination, Loan Service/Management, Credit Policy rules, Credit Administration & Operations, Collections) Good understanding of Corporate Banking Operations and Functions especially in Corporate Lending, Corporate Onboarding and Account Opening & Credit policy & decisioning Hands-on Experience working on different rule engines and process automation tools and techniques Experience in Core Banking Systems, Banking operations, End of Day& Data sync processes, API, and other Integrations. Knowledge of project lifecycle and different methodologies like waterfall or agile Possess excellent presentation and communication skills, a positive mindset, and a can-do attitude Islamic Banking knowledge is a plus Hands-on Experience in Corporate Internet and Mobile Banking Applications is a plus What we are offering: Performance-Linked Bonus: Your hard work doesn't go unnoticed! Enjoy a performance-linked bonus as a testament to your dedication! Rewards Beyond the Job: Enjoy a comprehensive benefits package, including Remote Work Support, Health Insurance, Care Program, and Online Psychological Support. We care you! Birthday Leave, Because You Matter: We value your special moments! Take the day off on your birthday and treat yourself. Global Impact, Cutting-Edge Tech: Immerse yourself in global projects with top-tier clients and stay ahead with cutting-edge technologies. Your skills will shape the future of our industry. Unleash Your Potential: Develop yourself with VeriPark Academy opportunities; webinars, and in-house training sessions. Diverse, Vibrant Community: Be part of a dynamic environment that values diversity and inclusivity. Together Culture: Even in a remote world, we cultivate connections through engaging face-to-face gatherings as well as online fun events. Special information sharing environment where you can update & align yourself. About VeriPark: We are a global technology company with more than two decades of expertise in the Financial Services industry. Our mission is to enable financial institutions to become digital leaders by delivering world class customer journeys in digital and assisted channels. We develop omni-channel delivery, customer engagement (CRM), branch automation and loan origination solutions based on Microsoft technology (Azure, Dynamics 365, Power Platform) for banks and insurance companies worldwide. With offices in 15 countries from Canada over Europe and the Middle East to Kuala Lumpur, our 900+ colleagues are serving customers in more than 30 countries worldwide. https://www.veripark.com

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

Skill required: Delivery - Credit Risk Modeling Designation: I&F Decision Sci Practitioner Sr Analyst Qualifications: Any Graduation Years of Experience: 5 to 8 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Data & AICredit risk modelling refers to the use of financial models to estimate losses a firm might suffer in the event of a borrower s default. What are we looking for Primary Skills: Banking, Financial Services Credit Risk Model Development Market Risk Modelling Financial Regulations Quantitative AnalysisSecondary Skills: SQL SAS Python R Tableau VBA Qlik Sense Snowflake MatillionSoft Skills: Adaptable and flexible Commitment to quality Ability to work well in a team Agility for quick learning Written and verbal communication Roles and Responsibilities: In this role you are required to do analysis and solving of increasingly complex problems Your day-to-day interactions are with peers within Accenture You are likely to have some interaction with clients and/or Accenture management You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments Decisions that are made by you impact your own work and may impact the work of others In this role you would be an individual contributor and/or oversee a small work effort and/or team Qualification Any Graduation

Skill required: Delivery - Credit Risk Modeling Designation: I&F Decision Sci Practitioner Specialist Qualifications: Any Graduation Years of Experience: 7 to 11 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Data & AICredit risk modelling refers to the use of financial models to estimate losses a firm might suffer in the event of a borrower s default. What are we looking for Primary Skills: Banking, Financial Services Credit Risk Model Development Market Risk Modelling Financial Regulations Quantitative AnalysisSecondary Skills: SQL SAS Python R Tableau VBA Qlik Sense Snowflake MatillionSoft Skills: Adaptable and flexible Commitment to quality Ability to work well in a team Result Oriented Problem Solving Skills Roles and Responsibilities: In this role you are required to do analysis and solving of moderately complex problems May create new solutions, leveraging and, where needed, adapting existing methods and procedures The person would require understanding of the strategic direction set by senior management as it relates to team goals Primary upward interaction is with direct supervisor May interact with peers and/or management levels at a client and/or within Accenture Guidance would be provided when determining methods and procedures on new assignments Decisions made by you will often impact the team in which they reside Individual would manage small teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Qualification Any Graduation

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 6 years of experience in Micro Finance, specifically in MLAP. Roles and Responsibility Manage relationships with existing clients to ensure timely repayment of loans and maintain high customer satisfaction. Identify new business opportunities through networking and referrals to expand the client base. Conduct thorough credit assessments and provide personalized solutions to meet client needs. Develop and implement effective sales strategies to achieve business targets. Collaborate with internal teams to resolve customer complaints and issues promptly. Maintain accurate records of client interactions and transactions. Job Requirements Proven experience in Micro Finance, preferably in MLAP, with a strong understanding of financial products and services. Excellent communication and interpersonal skills are required to build strong relationships with clients and colleagues. Strong analytical and problem-solving skills are necessary to assess credit risk and provide effective solutions. Ability to work in a fast-paced environment and consistently meet business targets. Knowledge of regulatory requirements and industry standards is essential. Familiarity with CRM software and Microsoft Office applications is desirable.

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Business Clients Credit is responsible for advising/supporting business clients with complex credit financing needs, in line with all applicable regulatory requirements. Work includes: Advising on credit-related client solutions and assessing loans from an income and risk perspective, within the existing credit processes Be responsible for preparing credit submissions for approval, and the independent application for credit authority or approvals, whilst also monitoring credit exposures and/or any credit material deterioration over the life cycle of the client relationship Identifying business clients credit needs and proposing suitable products, services and/or solutions Supporting efforts to gain new business and grow earnings potential from existing clients, e.g. at client conferences Advising and guiding teams in the development of bespoke products/solutions/platforms Working with functional and cross-functional colleagues to ensure that products/solutions/platforms meet the needs of the bank/clients. May also participate in the negotiation and execution of mandated transactions with clients Optimal utilisation of resources, and compliance with defined performance targets keeping in line with relevant internal guidelines/controls and regulatory requirements Maintaining and growing business contacts and leads in the lending businessCompliance with internal and credit-related regulations, e.g., QS audit results, etc. Implementing regulatory KYC requirements, and maintaining compliance with other applicable regulatory requirements and guidelines What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy, Best in class leave policy. Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities This is a Managerial position - Cluster Head Will manage a team of 3 ASM directly , indirectly will be managing a team size of almost 20 people including SM & ASM Will need to generate business of about 50 Cr per month through ASM & SMs Ticket size of LAP Product should be 2CR to 5-8 CR and high value upto 20-50 CR Your skills and experience Experience range of 10 yrs. relevant experience in the same geography as the job location with min of 5 yrs of Team handling Exp Sound knowledge on Legal & Technical is pre requisite Sound knowledge in reading the financials of the customers is a must Must be a strong sales person with a well connect market reach- DSAs/Channel Distribution Should be handling SME Clientele in the past organisations

Role Description Market & Valuation Risk Management (MVRM) 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, Berlin, Singapore, Mumbai and Pune. This role is within the Market risk team in Mumbai, supporting data quality initiatives in the Data Quality and Governance team which is responsible for data governance, specifically ensuring BCBS 239 compliance for existing and new processes, Data management initiatives, automation of current manual processes, analysing and implementing governance processes for any changes in the production processes, or policies and support the compliance with BCBS239 regulation. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Ensuring BCBS compliant status for all process at Market Risk Driving accurate and timely completion of recertifications (Compliance standards, Process Modelling, Data management artefacts, Stress Crisis Protocols, Lineage) Performing Annual BCBS 239 Self-Assessment for Market Risk metrics across Legal Entities Analysing KPI trends, defining remediations for non-green trends, presentation of the information to management Logging of Data quality issues and tracking to remediation Liaising with multiple teams, both internal and external to identify changes required in the governance processes for any changes/updates in the metrics production process, ensuring, compliance with the RDARR framework. Assessment and documentation of tangible benefits from the change process. Evaluating production and governance processes, driving rationalization and automation. Identification of gaps in the current processes and ensure fixes are implemented. Drive to automate manual processes in the governance framework Preparation of the plan and tracking to ensure for efficient and effective execution of the changes. Present regular updates Data Management Collaborate with cross-functional teams to promote data stewardship Understand and implement Core Data Standards Assist in the documentation and maintenance of data dictionaries and metadata repositories for Market Risk Ensure Data management artefacts are documented and updated. Perform Data analysisinvestigate and present details of lineage, completeness, and transformations via flows and processes Compile reports Implementing the governance fora including scheduling of meetings, preparation of decks for meetings, taking minutes and following up for open actions Ad hoc reporting to support management requests Ensuring governance documentation (policies, DTP, etc) are updated regularly. Your skills and experience University degree and appropriate professional experience. Experience of working with Market Risk either from a Data Management, Risk data aggregation or risk reporting perspective. A strong understanding of the regulatory environment, frameworks and compliance requirements associated with financial services. Excellent knowledge of analysis and communication tools Excellent data analytical and problem-solving skills. Excellent communication and interpersonal skills for collaboration with stakeholders. Ability to work independently and manage multiple projects simultaneously and deliver high quality results under tight deadlines Expected to have experience working with BCBS 239, data lineage, and upstream data providers. Experience in establishing governance frameworks for effective processes & performance oversight. Experience in the usage of Industry standard data management tools such as Sparx, Collibra and Solidatus is preferable Experience in translating Core Data Standards into practical implementation

Job Title Conduct, Business Risk & Controls, AVP LocationMumbai, India Role Description The Conduct, Business Risk and Controls office is a small but high impact team within the CB IB Non-Financial Risk office, tasked to deliver a best-in-class controls and culture across Corporate Bank (CB), Investment Bank (IB) and Corporate Bank and Investment Bank Operations & Controls (CB IB Ops). We work in partnership with our leadership, business aligned control teams (i.e. within CB, IB and CB IB Ops) and our partners in Infrastructure. You will play a key role in supporting strategy execution, taking the lead in assigned projects and stakeholder management, particularly around the design and execution of strategic objectives relating to the CB IB Non-Financial Risk profile. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Analyse and interpret changes in the CB, IB and DB IB Ops non-financial risk profile Oversee the effective operation of breach management alerts, where the residual non financial risk exceeds defined tolerances, and review remediation commentary explains provided by the respective 1st line owners Support the rollout of new non-financial risk activities across CB IB, via coordination with stakeholders, to ensure that control enhancements or residual risk mitigation activities are defined, agreed and implemented on a front to back basis Contribute to the design and build of non-financial risk reporting with a continuous improvement mind-set Identify dependencies within the risk profile (e.g. where the risk appetite remediation ownershpip sits in other divisions) and underpin effective communication and sharing of information across the Bank Build and maintain effective working relationships with stakeholders across the 1st line of defense (Business) and 2nd line of defense (Infrastructure) and foster a collaborative approach Prepare regular updates / presentations for key governance fora (including Divisional Executive Committees, Supervisory Board, IB CB Controls Leadership Forum, etc) and dashboards for key stakeholders (e.g. MB-level, Non-Financial Risk Committees) Execute ad-hoc tasks and activities as and when deep-dives are required on specific topics for internal and external stakeholders Facilitate a home of best fit mindset with the utilisation of the India CBRC to progress with established activities once embedded into the business as usual operating model Your skills and experience Proven experience in risks and controls at a global bank with well-developed knowledge of front to back risk and control in Corporate and Investment Banking A knowledge of non-financial risk frameworks Attention to detail with problem-solving skills (structured, analytical, articulate) Demonstrable track record in identifying opportunities for innovation Excellent knowledge and experience with Microsoft products (e.g. Excel, Word, PowerPoint) Excellent verbal and written communication skills in English Educated to Bachelors degree level or equivalent qualification/relevant work experience How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

Job Title Conduct, Business Risk & Controls, AVP LocationMumbai, India Role Description The Conduct, Business Risk and Controls office is a small but high impact team within the CB IB Non-Financial Risk office, tasked to deliver a best-in-class controls and culture across Corporate Bank (CB), Investment Bank (IB) and Corporate Bank and Investment Bank Operations & Controls (CB IB Ops). We work in partnership with our leadership, business aligned control teams (i.e. within CB, IB and CB IB Ops) and our partners in Infrastructure. You will play a key role in supporting strategy execution, taking the lead in assigned projects and stakeholder management, particularly around the design and execution of strategic objectives relating to the CB IB Non-Financial Risk profile. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Analyse and interpret changes in the CB, IB and DB IB Ops non-financial risk profile Oversee the effective operation of breach management alerts, where the residual non financial risk exceeds defined tolerances, and review remediation commentary explains provided by the respective 1st line owners Support the rollout of new non-financial risk activities across CB IB, via coordination with stakeholders, to ensure that control enhancements or residual risk mitigation activities are defined, agreed and implemented on a front to back basis Contribute to the design and build of non-financial risk reporting with a continuous improvement mind-set Identify dependencies within the risk profile (e.g. where the risk appetite remediation ownershpip sits in other divisions) and underpin effective communication and sharing of information across the Bank Build and maintain effective working relationships with stakeholders across the 1st line of defense (Business) and 2nd line of defense (Infrastructure) and foster a collaborative approach Prepare regular updates / presentations for key governance fora (including Divisional Executive Committees, Supervisory Board, IB CB Controls Leadership Forum, etc) and dashboards for key stakeholders (e.g. MB-level, Non-Financial Risk Committees) Execute ad-hoc tasks and activities as and when deep-dives are required on specific topics for internal and external stakeholders Facilitate a home of best fit mindset with the utilisation of the India CBRC to progress with established activities once embedded into the business as usual operating model Your skills and experience Proven experience in risks and controls at a global bank with well-developed knowledge of front to back risk and control in Corporate and Investment Banking A knowledge of non-financial risk frameworks Attention to detail with problem-solving skills (structured, analytical, articulate) Demonstrable track record in identifying opportunities for innovation Excellent knowledge and experience with Microsoft products (e.g. Excel, Word, PowerPoint) Excellent verbal and written communication skills in English Educated to Bachelors degree level or equivalent qualification/relevant work experience How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs

Job Title Conduct, Business Risk & Controls, AVP LocationMumbai, India Role Description The Conduct, Business Risk and Controls office is a small but high impact team within the CB IB Non-Financial Risk office, tasked to deliver a best-in-class controls and culture across Corporate Bank (CB), Investment Bank (IB) and Corporate Bank and Investment Bank Operations & Controls (CB IB Ops). We work in partnership with our leadership, business aligned control teams (i.e. within CB, IB and CB IB Ops) and our partners in Infrastructure. You will play a key role in supporting strategy execution, taking the lead in assigned projects and stakeholder management, particularly around the design and execution of strategic objectives relating to the CB IB Non-Financial Risk profile. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Analyse and interpret changes in the CB, IB and DB IB Ops non-financial risk profile Oversee the effective operation of breach management alerts, where the residual non financial risk exceeds defined tolerances, and review remediation commentary explains provided by the respective 1st line owners Support the rollout of new non-financial risk activities across CB IB, via coordination with stakeholders, to ensure that control enhancements or residual risk mitigation activities are defined, agreed and implemented on a front to back basis Contribute to the design and build of non-financial risk reporting with a continuous improvement mind-set Identify dependencies within the risk profile (e.g. where the risk appetite remediation ownershpip sits in other divisions) and underpin effective communication and sharing of information across the Bank Build and maintain effective working relationships with stakeholders across the 1st line of defense (Business) and 2nd line of defense (Infrastructure) and foster a collaborative approach Prepare regular updates / presentations for key governance fora (including Divisional Executive Committees, Supervisory Board, IB CB Controls Leadership Forum, etc) and dashboards for key stakeholders (e.g. MB-level, Non-Financial Risk Committees) Execute ad-hoc tasks and activities as and when deep-dives are required on specific topics for internal and external stakeholders Facilitate a home of best fit mindset with the utilisation of the India CBRC to progress with established activities once embedded into the business as usual operating model Your skills and experience Proven experience in risks and controls at a global bank with well-developed knowledge of front to back risk and control in Corporate and Investment Banking A knowledge of non-financial risk frameworks Attention to detail with problem-solving skills (structured, analytical, articulate) Demonstrable track record in identifying opportunities for innovation Excellent knowledge and experience with Microsoft products (e.g. Excel, Word, PowerPoint) Excellent verbal and written communication skills in English Educated to Bachelors degree level or equivalent qualification/relevant work experience 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

Key Responsibilities Credit Assessment : Risk Management : Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Underwriting & making proposals of commercial credit card & LAS. Ensuring discipline in adherence to processes involved in credit underwriting. Good understanding of financials & ratio analysis to arrive at a decision on lending and recoverability of loans granted. Ensure systematic verification processes and coordinate with sales, service, verification agencies. Be up to date on industries we lend and business environment in general. Review the portfolio sourced to prevent early delinquency. Understand and interpret the portfolio quality. Have good communication skills to interact with various stakeholders within/outside the bank.

Deutsche Bank's Corporate Bank (CB) is a market leader in Cash Management, Trade Finance & Lending and Trust & Security Services (TSS). TSS brings together capabilities in Securities Services (SeS) and Trust and Agency Services (TAS); creating a unified business providing custody, clearing, settlement and fund services to global custodians, broker dealers, and prime brokers as well as buy-side firms and other institutional clients through SeS. As well as supporting structures from the simplest to the most complex, covering Asset Backed Securities, CLOs and Managed accounts, Corporate Debt, Escrows, Project Finance, Loan Agency and Depositary Receipts through TAS. The candidate will join an existing team based out of India and London. This role forms part of the TSS Financial Risk and Resource Management team, sitting in the TSS business, the team is responsible for Balance Sheet/liquidity/financial risk management, pricing & structuring support and business development. As a key member of the team you will be responsible for monitoring and forecasting balances, ongoing pricing support for new and existing deposits, contributing to the liquidity modelling & front office credit oversight - providing a first line of defense. The successful candidate will also support decision-making and approvals around risks and preparation of key risk documentation and reports. The role will also give opportunity to consult and work with TSS businesses around the globe and face off to stakeholders in Finance, Risk and Treasury. Your key responsibilities Monitoring, management and mitigation of financial risks from client exposure in TSS across markets, including, but not limited to: Real time risk management reviewing counterparty credit exposures and investigate/validate any limit breaches. Management of breaches, including escalation and ad hoc limits increase. Review, right sizing and management of TSS CRM limits in close co-ordination with CRM and business colleagues. Advising business / sales on risk questions and queries on new deals, products and policies Overdrafts investigations and reporting Risk oversight over RWA numbers, reasons and steps to optimize the same. Periodic stress testing, client activity review etc. Risk MIS and reporting Review of processes and systems from risk management perspective UAT and simulation testing Oversight of TAS Balance Sheet reporting, financial risk MIS & financial risk controls. Track & manage to limits. Support regular financial risk and resource management MIS and presentations to senior management. Responding to client/ systemic credit events in timely manner and communicating impact / risk assessment and recommendations. Your skills and experience Preferably 7+ years experience in Balance Sheet and risk management in a top tier financial institution either in the Front Office, Risk, Treasury or Finance functions. A good understanding of the changing regulatory environment impacting financial services firms Balance Sheet both from a capital and liquidity perspective. Understanding of custody products/markets preferred Strong analytical skills and the ability to organize and summarize data Strong interpersonal and excellent communication skills (written and verbal) Proficient in the use of advanced Excel, Word and PowerPoint Educated to degree level or equivalent professional qualification. Desired background: MBA / Finance / CA / CFA An eye for detail, identify data discrepancies and exceptional problem-solving skills

Role & responsibilities Support the management of core business activities across Models, relating to: (1) Model Design, Development, Validation & Implementation, (2) Model Portfolio, Risk Analytics & Risk Mitigation, (3) Model Monitoring, Control, Standards & Documentation, and (4) Model Governance The roleholder will be responsible for development of investment and wealth models - (i) designing and execution of product risk ratings for Mutual Funds, Bonds, Structured Products and Stocks. (ii) design and maintain the Strategic Asset Allocation (SAA) and Aladdin advisory model used for Advisory and Discretionary businesses. (iii) Help develop Artificial intelligence (AI) model applications for GPB&W business. (iv) Develop different propositions and client capabilities to support ESG investing framework, margin trading, etc. As an expert in investment product risk, they will also provide key enhancements into designing future state methodologies for investment models. Optimise Expected Credit Losses (ECL) and Risk Weighted Assets (RWAs) for the GPB&W Lombard and other asset backed securities. Work across GPB&W to effectively manage model risks, increase model coverage and implement globally consistent model systems, standards, policies, processes, methodologies and governance across all regions. Engage with stakeholders across all areas, business functions, and regions in identifying local regulatory issues, feeding these requirements into global model program design and ensuring compliance with global and local model regulations. Develop and review models according to feedback or requirements from our stakeholders, prepare pre-implementation validation reports for local use (countries or legal entities), develop models specific to a country or a business if required by regulators, support annual model validations, check the run, monitoring and validation of data, develop model prototypes, implement models, UAT of the models, and maintain official model documentation. Administrate global and local governance through the GPB&W Model Oversight Forum and other technical committees, IMR and Audit, oversight the global and local model output to ensure its being appropriately used, and support the local and global business teams in model use. Run the model, produce global and local results, rollout models to new legal entities as required, run stress tests, document the processes, calculation runs and checks, monitor the model, and statistically validate the input data (scenario and internal loss data). Enhance GPB&W Data infrastructure to support all credit models.

Roles and Responsibilities Develop and maintain credit risk models using SAS, SQL, and other relevant tools. Ensure compliance with regulatory guidelines such as Basel II/III, CCAR, CECL, LGD, PD, EAD.

Job Position: Credit Risk Analyst (Periodic review process) Location: Thane Job Description: The Credit Risk Analyst will be responsible for evaluating the creditworthiness of potential clients and assessing the overall risk associated with credit decisions. This role involves analyzing financial data, monitoring credit trends, and developing risk assessment models to support informed decision-making. The ideal candidate will possess strong analytical skills, attention to detail, and a passion for driving financial performance while ensuring compliance with regulatory standards. What will you do: Analyze financial statements, credit reports, and other relevant data to assess the credit risk of potential clients. Monitor existing client accounts to identify potential credit risks and trends. Prepare regular reports on credit risk exposure and present findings to management. Work closely with the underwriting teams to provide insights and recommendations regarding credit decisions. Collaborate with compliance and legal teams to ensure adherence to regulatory requirements. Assist in the development and validation of predictive models to enhance credit decision-making processes. Stay updated on market trends, economic conditions, and regulatory changes that may impact credit risk. Investigations include the gathering of data from various sources and systems and interpreting the data to manage the risk. Qualifications: Masters degree in Finance. 2+ years of experience in credit risk analysis, preferably within the payment processing or financial services industry. Strong analytical skills with the ability to interpret complex financial data. Knowledge of credit risk assessment frameworks and regulatory requirements. Excellent communication skills, both written and verbal, with the ability to present findings to stakeholders. Detail-oriented, organized, and able to manage multiple priorities effectively.

Within Finance Solutions Office (FSO), Oversight, Layer Expertise, Dedicated solutions team within rollouts is incharge of building various dedicated solutions to interface the Sub General Ledgers to the Target General Ledger (OFS) of the Bank. This team is skilled in building solutions keeping both Financial accounting and Management accounting needs in mind to ensure the reporting needs are met through these dedicated solutions. Responsibilities The Business analyst will be in charge of building mappings and controls between the Sub GL accounts and the Target GL accounts through end to end analysis by responding to the various businesses and reporting requirements (Financial Accounting, Management Accounting, Credit Risk, Liquidity etc.) Source and transform raw data and enable a good quality of reporting through these solutions. Ensure a consistent approach for building respective Finance solutions across the regions and align to Group standard. Understand the project and program objective and ensure all user requirements are properly captured Carry out feasibility study, assess potential impact and define target solution Explain the user requirements to FRESH/FIP and other teams for implementation Define the appropriate testing strategy according to the nature of the project Design test cases and ensure adequate testing is performed Validate testing result by performing detailed checking of accounting entries and/ or reports and provide UAT sign-off on behalf of finance users Drive and manage all stages in project life cycle, from project initialization to project closure Develop project scope documentation, project plans and project schedules Continuously coordinate with IT and other finance users Undertake risk analysis and proactively identify mitigating solutions Timely track the progress of projects against agreed timeline and budget Arrange smooth go-live implementation and provide post go-live support Present project status regularly to senior management Build and maintain a trusted relationship with all project stakeholders across different functions (PMO, IT, finance users, operation teams) Provide support in case of production incidents, including root cause identification and proposing solutions to resolve the issue in a timely manner Be a centre of excellence and expertise for parameterization topics surrounding the General ledger setup for the dedicated solutions Technical & Behavioral Competencies At least 5 years of experience in Business Analysis and project management involving coordination in a complex organisational and multicultural environment with below skill sets: Strong listening skills, strong interpersonal skills and a strong cross-functional cooperation between teams Rigorous and dynamic, you like human contact, work as a team and have an excellent organization ability Knowledge of Banking and Financial services Good accounting knowledge of banking products/activity Good communication (oral and written), organisation and documentation skills Ability to adapt to change and proficient in problem solving. Capability to work and interact with various people of different expertise and level. Client oriented Collaborative worker & team player Specific Qualifications (if required) n 5+ years of experience in Financial domain within Banking sector n Experience of working in Global work environment across cultures appreciated n Desktop office tools (Excel, Power Point, Teams, Word, Outlook) expertise Skills Referential Behavioural Skills : (Please select up to 4 skills) Communication skills - oral & written Ability to synthetize / simplify Creativity & Innovation / Problem solving Ability to deliver / Results driven Transversal Skills: (Please select up to 5 skills) Ability to set up relevant performance indicators Analytical Ability Ability to develop and adapt a process Ability to develop and leverage networks Ability to manage / facilitate a meeting, seminar, committee, training Education Level: Bachelor Degree or equivalent Experience Level At least 5 years Other/Specific Qualifications (if required) Language: Fluent English, French is a plus

We are looking for a credit risk professional with excellent communication who will be joining a dynamic and fast-paced environment. As part of your role, you will be working with cross-functional teams and build ongoing relationships that will also deliver the company s vision and strategy or loan restructuring when needed. Strong financial analysis and communication skills are essential for this role. Alright, so youre sold. But who are we Diversity and humility are not just big words hung up on the walls. At CredAble, we put people at the heart of everything we do and our core values are the driving force behind our success. CredAble is an NBFC technology-powered supply chain funding solutions company Leveraging our trade finance expertise, technology platform, and access to 3rd party capital, we arrange funding programs for enterprise supply chains and do direct lending to SMEs. Led by a team of industry experts, CredAble is at the forefront of powering tech-enabled working capital financing. Programs are anchored around enterprise clients, where we provide funding linked to transactions with suppliers (payables) and distributors (receivables). We are series B funded startup with Axis Bank limited as a strategic investor. You will be responsible for: Credit Appraisal & Analysis Evaluate credit proposals for SME/Emerging corporates. Analyze financials, business models, and banking conduct. Conduct promoter and group exposure assessment. Draft credit memos with clear risk and mitigants. Review group structures and related party linkages. Due Diligence & Compliance Validate KYC, financial documents, and audit reportsPortfolio Monitoring. Track post-disbursal performance, renewals, and covenant compliance.Stakeholder Engagement. Work with RMs, legal, and operations for smooth credit processing. Support credit committee interactions and approval workflows. Key Skills: Strong financial and cash flow analysis. Understanding of credit products: WC, term loans. Clear communication and credit note writing. You will be reporting to: SVP-Credit Risk What will you bring to the table Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success. Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today. CredAble thrives on transparency and a culture to nurture growth. Being part of CredAble enables you to push beyond the ordinary. The educational qualification you ll need: MBA (Finance), CA, CFA or equivalent. Minimum 3 years experience in SME/Emerging corporate credit underwriting. Besides making the best move of your career, what s in it for you The experience of working in a highly entrepreneurial setup with a visionary team that is at the forefront of inspiring productivity and crushing business goals. 3 Years+ Apply for this position Allowed Type(s): .pdf, .doc, .docx By using this form you agree with the storage and handling of your data by this website. * Please view in portrait mode

We are currently seeking an experienced professional to join our team in the role of Assistant Vice President - Disclosures Assurance Principal Responsibilities: Support implementation of the assessment plan and development of a global Disclosures Assurance plan, ensuring all assigned controls are subject to assessment within the relevant period. Assess the effectiveness of HSBC s control environment, independently from control owners. Aid in confirming and verifying the composition of HSBC s control landscape. Support continuous oversight, collection and dissemination of any regulatory, CA, and/or audit issues in order to provide ongoing advice and guidance regarding issues, which may affect the management of controls in scope of the Disclosures Assurance team coverage. Promote and support a risk minimising culture in alignment with the culture transformation and RCAS role as the second line of defence. Developing and applying risk-based judgment and decision making when identifying, documenting and agreeing issues and root causes stemming from these tests. Build strong relationships with reviewees, and work collaboratively with other assurance team members, to adopt a joined-up, commercial and transparent approach to controls assurance, while remaining independent. Ensure that executive and senior management in the businesses and functions are advised of actionable insights and trends stemming from assurance reviews. Proactively seek timely and clear guidance and support from other CA staff when needed, on a review-by-review basis. Work as part of a team, able to collaborate to accomplish collective and common goals. Requirements Minimum of 5 years proven experience in financial services compliance, testing, audit and/or legal management experience or equivalent. Understanding of banking financial and non-financial risks, especially credit risk, and the aptitude to learn about new and emerging risk types. Exposure to concepts of BASEL, COREP, PILLAR 2 and PILLAR 3 disclosures and the metrics contained therein An innovative and forward-thinking mindset, and a proven ability to question, evaluate, and improve existing business processes and adequacy of information. Experience working with a global team and creating and working to global standards of quality. Proven organisational, planning, interpersonal, managerial, analytical, problem-solving, decision-making, and team building skills. Ability to manage conflicting priorities effectively and proven ability to meet challenging deadlines. Ability to exercise discretion, work independently within broad guidelines, tactfully handle sensitive and confidential data and complete assignments timely. 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.

Reference 250000WS. Responsibilities. ROLE DESCRIPTION KEY SKILLS:. 3+ years of experience in development of regulatory credit risk (PD, LGD and EAD) and/or provision (IFRS9) models. Exposure to banking book and knowledge of BASEL/IFRS9 guidelines is highly desirable; Exposure to guidelines from European Regulators is desirable. Programing knowledge in SAS and/or R. Excellent written (documentation) and oral communication skills in English. LEADERSHIP SKILLS: Client Focus, Team Sprit, Commitment, Responsibility and Innovation. As a part of the Risk Department, you will be at the center of Socit Gnrale’s business. The Risk Department aims to contribute to the development of business lines and their profitability through a challenging risk culture.. Working within the Risk Department is intellectually stimulating, and current economic activities guide our analysis on a daily basis. As a key business partner, the department is in close proximity to all of the Group’s business lines. Joining us would mean integrating into a network of proven excellent at the very center of the bank’s activities, opening access to new and exciting development opportunities.. Within RISQ, the department ERA (Enterprise Risk Analytics) handles the analysis and the support in the steering of all the risks of the Group: supervision and steering of the rating system of the credit risk, the measure of the capital of the Group and the provisions (reserves), the analysis of the risk profile of the Group including under stress and in forward-looking vision... These assignments, carried out in the context of projects or production processes whose scope or results are significant for the management of the Group or its compliance with banking regulations, are subject to defined and constrained schedules and resources, in the contexts demanding economic and regulatory environment.. Required. Profile required. EDUCATIONAL QUALIFICATION:. Masters or PhD (or similar) in a quantitative subject such as Mathematics, Physics, Economics or Finance, or a track record of performance that demonstrates this ability. KEY SKILLS:. 3+ years of experience in development of regulatory credit risk (PD, LGD and EAD) and/or provision (IFRS9) models. Exposure to banking book and knowledge of BASEL/IFRS9 guidelines is highly desirable; Exposure to guidelines from European Regulators is desirable. Programing knowledge in SAS and/or R. Excellent written (documentation) and oral communication skills in English. LEADERSHIP SKILLS: Client Focus, Team Sprit, Commitment, Responsibility and Innovation. 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 Socit Gnrale, 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 you’re 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 Group’s 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.. We are committed to support accelerating our Group’s 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.. Show more Show less

Reference 240009K0. Responsibilities. ROLE DESCRIPTION KEY SKILLS:. 3+ years of experience in development of regulatory credit risk (PD, LGD and EAD) and/or provision (IFRS9) models. Exposure to banking book and knowledge of BASEL/IFRS9 guidelines is highly desirable; Exposure to guidelines from European Regulators is desirable. Programing knowledge in SAS and/or R. Excellent written (documentation) and oral communication skills in English. LEADERSHIP SKILLS: Client Focus, Team Sprit, Commitment, Responsibility and Innovation. As a part of the Risk Department, you will be at the center of Socit Gnrale’s business. The Risk Department aims to contribute to the development of business lines and their profitability through a challenging risk culture.. Working within the Risk Department is intellectually stimulating, and current economic activities guide our analysis on a daily basis. As a key business partner, the department is in close proximity to all of the Group’s business lines. Joining us would mean integrating into a network of proven excellent at the very center of the bank’s activities, opening access to new and exciting development opportunities.. Within RISQ, the department ERA (Enterprise Risk Analytics) handles the analysis and the support in the steering of all the risks of the Group: supervision and steering of the rating system of the credit risk, the measure of the capital of the Group and the provisions (reserves), the analysis of the risk profile of the Group including under stress and in forward-looking vision... These assignments, carried out in the context of projects or production processes whose scope or results are significant for the management of the Group or its compliance with banking regulations, are subject to defined and constrained schedules and resources, in the contexts demanding economic and regulatory environment.. Required. Profile required. EDUCATIONAL QUALIFICATION:. Masters or PhD (or similar) in a quantitative subject such as Mathematics, Physics, Economics or Finance, or a track record of performance that demonstrates this ability. KEY SKILLS:. 3+ years of experience in development of regulatory credit risk (PD, LGD and EAD) and/or provision (IFRS9) models. Exposure to banking book and knowledge of BASEL/IFRS9 guidelines is highly desirable; Exposure to guidelines from European Regulators is desirable. Programing knowledge in SAS and/or R. Excellent written (documentation) and oral communication skills in English. LEADERSHIP SKILLS: Client Focus, Team Sprit, Commitment, Responsibility and Innovation. 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 Socit Gnrale, 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 you’re 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 Group’s 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.. Show more Show less

Reporting to:. Associate Director. Role:. Manage large teams (approximately 5-20 people across offices) supporting international clients with a strong focus on driving results, talent management and stakeholder engagement.. The manager will play an important role in fostering a talented and motivated team, understanding client needs and enhancing processes.. Functional Responsibility / Domain Related:. Responsibilities include analytical guidance to team members, talent management and recruitment, overseeing team workflow and process adherence, quality assurance, client management, governance reporting.. Provide analytical guidance to the team members?to. Assist global Credit Analyst(s) in adhering to regulatory timelines and credit events. Assist global Credit Analyst(s) in preparing segments of publishable credit reports and thematic publications. Assist global Credit Analyst(s) in managing various process improvement projects. Talent Management. Manage the performance of team members and conduct regular reviews.. Mentor and manage the aspirations of the team. Workflow Management and Process Adherence:. Oversee the workflow including planning and prioritization. Assist teams in executing tasks and monitor timeliness. Maintain the integrity of internal systems and champion continuous improvement efforts. Strictly practice and enforce all Information Security policies, procedures and guidelines of the organization. Ensure smooth running of operations. Quality Assurance. Establish governance with full accountability by emphasizing a service culture. Set quality benchmarks to guide performance. Ensure that quality is maintained through robust quality assurance practices. Foster open communication and feedback mechanism within the team. Client Management. Maintain relationship with international clients and fully own the service delivery of client processes. Conduct regular touchpoints with the client to address feedback and provide appropriate guidance to team members. Governance reporting. Oversee the preparation and analysis of governance dashboards for the teams to ensure compliance with organizational requirements for both internal and external stakeholders. Recruitment efforts. Manage the recruitment process, including shortlisting the candidates, interviewing, and selecting candidates that meet organizational needs. Support in determining and executing department strategy and priorities. Candidate Profile:. Total experience of 5+ years.. Interpersonal & Relationship Building skills. Execution skills. Analytical skills. Delegation skills. Result orientation. Ability to manage performance under stringent timelines. Essential Qualifications:. Two years full-time MBA (Finance) or equivalent OR CA. Experience. 5 – 12 years of relevant experience in credit analysis or credit research in global markets. Show more Show less

About Us. Standard. At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.. About The Role. At ANZ our purpose is to shape a world where people and communities thrive and to achieve this, we need a talented Sr. Risk Analyst to join our GCC Retail Risk Australia team, wwithin our GCC Group Risk division.. Risk is a critical function, with highly valued and innovative teams that enable ANZ to deliver its purpose.. The Retail Credit Risk Department is responsible for the management of credit risk policy, strategy, governance and oversight across the credit lifecycle, balancing customer, shareholder, and regulatory objectives. You will support strategic direction by translating insights into practical business recommendations, communicating team objectives, and presenting data in digestible, logical, and compelling ways.. Banking is changing and we’re changing with it, giving our people great opportunities to try new things, learn and grow. Whatever your role at ANZ, you’ll be building your future, while helping to build ours.. Role Type: Permanet. Role Location: Manyata Tech Park, Bengaluru. Work Hours: 7 am to 4 pm. What will your day look like?. As a Senior Risk Analyst, you will:. Deliver on actionable/value-add insights and analyses in support of the decision automation and optimisation journey of Retail Risk. Streamline credit risk strategy, policy, and process for ANZ’s Retail Credit Portfolios. Deliver improved decision automation, low friction and fast outcomes for customers whilst managing ANZ risk appropriately. Utilise analytical techniques, leveraging existing data and system infrastructure, to create more tailored decisions and offers that improve customer and business outcome. End to end delivery of changes from ideation to rollout, coordinating with stakeholders across the business. Engage with Sr. stakeholders across teams and locations in Australia, Manilla and Bengaluru. What will you bring?. To grow and be successful in this role, you will ideally bring the following:. At least five years of technical experience using data tools that require coding skills (such as SAS, SQL, Python, R, etc.). Relevant prior experience working within industries including (but not limited to): financial, professional, or consulting services, utilities, engineering, information/data providers (such as credit bureaux). Collections and Hardship risk prior experience preferred. Excellent attention to detail, operating in a thorough and well-ordered way to produce accurate, complete, consistent, and compliant work. Effective communication skills both written and verbal, with a strong capability to articulate complex analytical information clearly and simply. Can appreciate difficult problems and enjoy getting stuck into the detail, but able to keep an eye on the big picture to keep moving forward. Comfortable being uncomfortable – You are comfortable with uncertainty and can effectively manage yourself through ambiguity and change. Stakeholder management experience, as necessary to enable work to be delivered. Adjust working with Australia time (early start 7AM IST). A critical thinker, with prior experience solving business problems using data, analytics, and technology (systems), combined with complex and analytical thinking skills. You’re not expected to have 100% of these skills. At ANZ a growth mindset is at the heart of our culture, so if you have most of these things in your toolbox, we’d love to hear from you.. So why join us?. From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.. But it's not just our customers who'll feel your impact. you'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.. We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.. At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you are a candidate with a disability or access requirement, let us know how we can provide you with additional support.. To find out more about working at ANZ, visit https://www.anz.com.au/careers . You can apply for this role by visiting ANZ Careers and searching for reference number 97940. Job Posting End Date. 13/06/2025 , 11.59pm, (Indian Standard Time). Show more Show less

Reference 23000TZY. Responsibilities. The missions of a senior functional expert are varied and hinge upon the strengthening of regulatory and accounting requirements related to the supervision and monitoring of risk models. In this context, you will be responsible for conducting internal model reviews (validation of the modeling, backtesting, etc.) that have been developed by the Group’s modeling entities.. Your main missions will be:. End to end responsibility of modeling validation missions, based on the planning and framework. Interact with the modeling entities. Analyze and test methods by using both technical knowledge and critical thinking.. Conduct quantitative reviews (statistics).. Be vigilant in the analysis of the regulatory compliance, robustness and performance of these models.. Contribute to the composition of a validation report in order to communicate the conclusions of the review mission.. Contribute and present the results of the review at the Models Committee. Ensure adequate documentation and archiving of the analyses carried out.. Mentoring Junior team members. The functional expert works on many different topics such as: retail or wholesale credit risk (PD models, CCF models, LGD models, stress tests), market risk models (VaR/SVaR/FRTB, EEPE, CVA, SIMM, IRC/CRM...), models developed under the IFRS 9 framework, models developed to comply with US regulatory requirements.. Required. Profile required. Ideal candidate should be well versed in credit risk model development, validation and maintenance of models (PD, LGD and EAD) for wholesale and retail credit portfolio of the bank as per regulatory guidelines.. Exposure to banking book and understanding of trading book products and knowledge on BASEL/IFRS guidelines is highly desirable. Candidate should have excellent business communication skills.. Educational Requirements:. Post-graduation degree in quantitative discipline(Statistics, Economics, Mathematics & engineering) from Tier I/II colleges. Additional certification in machine learning techniques or estimation of credit risk parameters will be preferred.. Role & Responsibility. The ongoing monitoring of the model is a task that must be done in all phases of the model lifecycle (development, implementation, use). In order to track and measure the efficiency and adequacy of models, the model monitor conducts continuous analysis and controls as an early warning both initially at implementation (for new models) and regularly as a part of the model’s ongoing monitoring.. For the purpose of these tests, the model monitor is responsible to:. Backtest & re-calibrate each model designed and developed by the business, hence a thorough understanding of model development under Basel & IFRS norms is critical.. Choose adequate model outcome analysis techniques such as:. Model estimates vs realized values (e.g. back-testing for some models);. Stability of model outcomes;. Benchmarking: model output vs output generated by comparable models or applications;. Sensitivity analysis to test robustness.. Analyze the model output and the related components (if applicable);. Model assumptions and limitations validity;. Results of benchmarking and sensitivity analysis;. Accuracy of model’s characteristics;(ROC/AUC, KS statistics, accuracy ratio, Gini coefficient etc). Monitor over time in order to follow up trends and detect deviations;. Establish thresholds and action plan for major deviations;. Report this analysis to the different model stakeholders.. Implement a governance to monitor the corrective actions. Furthermore, as part of the model ongoing monitoring phase, the model monitor should abide by the group standards on ongoing monitoring that establish guidelines on performance assessment processes including type, scope and range of tests and appropriateness of responses to any problems that may appear.. Technical Skills:. Regulatory risk model (IRB, IFRS9) model validation, monitoring, development (good to have) using SAS, R. Initiation to machine learning model validation.. Functional Skills:. –Knowledge of Global regulatory Topics BASEL II/III & IFRS 9. –Understanding of risk management and risk quantification processes. –Understanding of forms of risk, viz. credit, market, operational, model etc.. Behavioral Aspects:. Result Orientation. Client Focus. Contribution to Strategy. Cooperation. Team Player. 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 Socit Gnrale, 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 you’re 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 Group’s 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.. Show more Show less