1409 Credit Risk Jobs - Page 40

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. 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 monthly 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 meet deadlines while maintaining attention to detail. Proficiency in using technology and software applications to manage client data and transactions. Strong knowledge of banking regulations and compliance requirements is essential.

Who we are About Stripe About the team The Risk team plays a critical role in ensuring a healthy financial eco-system for businesses around the world. The Credit Operations team directly impacts the company s bottom line and growth capabilities by supporting new and existing businesses. At the Stripe Delivery Centre, the team will provide operational leverage for scaled credit risk assessments including the underwriting of small and mid-size merchants. As a payment processor, Stripe proactively takes on credit risk in the normal course of business and as such we do not avoid credit risk, we manage it. In this role, you will lead a new team of Credit Risk Operations Associates focused on comprehensively underwriting our users. This involves analyzing their past processing trends, as well as evaluating a range of qualitative and quantitative factors, to arrive at a holistic credit risk assessment for each user. Our goal is to continuously expand the pool of merchants we can profitably support. This often requires tackling new industries and operating in unstructured, ambiguous environments. The Credit Risk Operations Manager will be an adaptable leader and cultivate the engagement of their team members while guiding them to be the best they can be, through feedback, coaching, mentoring, and advocacy within the organization. This means helping to set team goals, and using metrics to efficiently measure and guide team performance in pursuit of those goals. To be a fit, you will have a strong operations mindset, be able to move quickly, and be passionate about delivering an incredible user experience. Responsibilities Recruit, manage, coach, and develop a new team of in-office Credit Risk Operations Associates Execute on credit underwriting frameworks that allow your team to evaluate business models and financial statements of successful venture-backed startups to established entities Identify key assumptions and tradeoffs to inform the optimal course of action Drive strong operational delivery and process improvement helping to maintain credit risk tolerance and balance credit loss and customer experience Build a great culture and ensure team members are happy, effective, and growing in their career Set clear goals and direction, and provide regular feedback on team members performance Be data-driven in your analysis of performance, and in your decision making Transmit and foster our values, serving as a beacon of Stripe s user-centric philosophy and culture of transparency, empathy, inclusion, and empowerment Who you are Were looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum requirements At least 7+ years of experience serving as a manager for credit risk and/or underwriting teams Experience and knowledge of commercial credit underwriting, financial risk modeling, and cash flow forecasting Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks and presents dynamic mitigation strategies Ability to partner effectively with internal globally distributed stakeholders Operational background including new process launches and service delivery Problem-solving skills and comfort operating without clear guidelines Skill and credibility doing the core work of a user facing team with a high bar for quality, and a willingness to lead by example Excellent written and verbal communication skills in English Preferred qualifications Experience in payments, e-commerce, or fintech Experience in building and scaling new teams from zero Experience operating in a high growth technology company Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico and Bengaluru, India work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Team Operations Job type Full time

Regulatory Reporting Analyst Credit Risk | Immediate Joiners Preferred Industry: Business Consulting & Analytics Experience: 5+ Years Location: Pan-India (across major metro cities) We are looking for professionals with strong expertise in regulatory reporting and credit risk analytics , with hands-on experience in SAS and SQL . The role demands solid understanding of Basel regulations, RWA computation , and regulatory submissions for financial institutions. Ideal candidates should be self-driven, detail-oriented, and able to manage complex datasets to ensure compliance and reporting accuracy. Key Responsibilities: Prepare and review regulatory submissions aligned with Basel norms. Perform credit risk data analysis using SAS (Base/EG) and SQL . Automate reporting workflows and improve reporting accuracy. Collaborate with internal risk, finance, and compliance teams. Support audit requirements and stress testing analysis. Candidate Requirements: 5+ years of experience in regulatory reporting and credit risk analytics . Advanced skills in SAS and SQL . Deep understanding of Basel frameworks, RWA, and capital adequacy . Strong analytical and communication skills. Immediate to 30 days only. If you're ready for your next challenge, apply now! Interested candidates can apply on Shweta.arora@skillkart.co Keywords: #RegulatoryReporting #CreditRisk #SAS #SQL #RWA #Basel #RiskAnalytics #FinancialServices #BusinessConsulting #ImmediateJoiner

About this role: Wells Fargo is seeking a Senior Enterprise Risk Specialist In this role, you will: Participate and develop, implement and monitor risk based governance programs to identify, assess and mitigate risks across lines of business and risk domains in multiple risk categories Review moderately complex business, operational, or technical challenges that require an in depth evaluation of variable factors Provide oversight, develop, implement, monitor and challenge for corporate governance risk programs and manage reporting Utilize risk knowledge to issue resolutions for moderate to high risk companywide projects and initiatives Develop, implement, monitor and interpret, risk based governance programs, create new policies and guidelines Resolve moderately complex issues and lead team to meet risk area, projects and process deliverables, while leveraging solid understanding of the risk policies, procedures and compliance requirements Guide and direct the organization in terms of policies, effectiveness of companywide initiative execution, and reporting to the Board Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals, may lead projects, teams or serve as a mentor Identify training opportunities, design and coordinate development of the training materials, deliver training Required Qualifications: 4+ years of Risk Management experience (includes Compliance, Financial Crimes, Operational Risk, Audit, Legal, Credit Risk, Market Risk, IT Systems Security, Business Process Management) or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Execute the Validation processes based on model risk supervisory guidance, Model Risk Management Policy and procedures, and current industry best-practices in one or more of the above-named areas. In particular: Ensure credible challenge of models through validation process Evaluate all relevant components of models and assess model soundness across lifecycle Identify areas of weakness and work with model owners, risk partners, and other key stakeholders to ensure risk commensurate remediation Demonstrate strong knowledge of subject matter area of focus, as well as sound validation and analysis techniques Deliver high quality and timely validation reports combining intellectual rigor, analytical depth, and key model risk perspective Support timely resolution of model weaknesses Follow reporting and escalation protocols of review results and follow up on identified risks/observations Continually work to improve efficiency, consistency, and quality of independent model validation Ensure all models within scope are independently validated per expected standards and schedule Build and maintain effective working relationships with key partners and stakeholders across Wells Fargo Understand model risk supervisory guidance, Model Risk Management Policy, and current industry best-practices Degree in statistics, math, engineering, physics, accounting, finance, economics, econometrics, computer sciences, or business/social and behavioral sciences with a quantitative emphasis preferred 5+ years of experience model validation /model implementation/ model development or performing deep risk analytics across liquidity risk, capital oversight for a large multinational bank or large US bank or major consulting firm Experience in liquidity risk management and stress testing in a complex banking environment Experience in regulatory capital requirements, risk aggregation, and capital allocation Experience with Treasury risks including asset liability management (ALM), interest rate risk in banking book, and market risk in trading portfolios Strong analytical skills with high attention to detail and accuracy Technical or academic writing skills and experience Strong project management skills to ensure delivery of highest quality of work within tight timelines, as well as creating, maintaining, and supporting processes subject to intense regulatory scrutiny Excellent communication skills and experience in building and maintaining partnerships across various levels of the organization Proficiency managing databases, spreadsheets, or programming (understanding code and coding including one or more of SAS, Python, R, VBA, C, Java, or C++) License certifications in finance and risk such as CFA, FRM, preferred Understanding of model risk supervisory guidance and model validation requirements for large and complex institutions, across geographies Knowledge of Wells Fargo systems and process, and industry standard practices for CCAR/DFAST, RRP, etc.

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

J ob Responsibilities : 2-4 years preferably in financial services Experience in risk management and credit policy Sharp data analytics skills, for ad hoc analyses and policy updating. Working knowledge of data science models is a plus. Good understanding of charts and trends, to decipher changing industry and portfolio trends. Good at presentation and communication skills. SHould be able to communicate effectively with internal and external stakeholders. Work experience in a renowned NBFC or fintech is a big plus. Good understanding and hands on experience in using AI for enhancing analyses and presentations is a big plus. Educational qualification: B.Tech/B.E from Tier I / II institution Post graduation is a plus.

Reference 25000B5A Responsibilities Strong understanding of Capital markets, Investment banking domain and risk management Exposure to Credit risk computation and management of regulatory risk metrics is highly desired Ensure project requirements are delivered with acceptable quality and completed on time Ability to work autonomously on the Business analysis scope of work including requirements gathering, scope validation, drafting of functional specification, ensure business signoff on requirements Support the team on both delivery and production Ensure impediments are raised and addressed proactively in a timely fashion Build collaborative working style and good stakeholder connect with all stakeholders Experience in working on agile driven project implementations Contribute to users change management (on-line help, training) Functional Specifications, User Stories, Design and Solutioning Possess good presentation skills to articulate and build Point of View in global forums Possess effective reporting skills to keep stakeholders informed on project progress Required Profile required Business analyst with 6+ yrs of experience on Capital markets, Risk management Strong understanding of risk management on Credit risk Exposure to functional implementation of topics like Credit risk computation and management of regulatory risk metrics is highly desired Hands-on experience on documenting and building functional specifications, BDD based test strategies and test implementation Experience in working on agile driven project implementations 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,

*Responsible for end to end business analytics *Responsible for stake holder handling and strategy development *Handling end to end projects Required Candidate profile exp in SAS/SQL/Tableau (writing codes from scratch) Key skills-Strategic development, statistical modelling ,logistics Regression,Predictive modelling,Customer segmentation

About The Role Credit Manager-AGRI-FIN-PROJECTS (AF)-Credit JOB DESCRIPTION JOB ROLE Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role JOB ROLE: Evaluating Credit requirements of potential customers of RBG caters to Commercial vehicle, Infrastructure, Dealer Finance as customer segment. Underwriting and preparation of credit assessment notes covering detailed analysis of business, management and financials Balance Sheet / Other Financial statement analysis and identifying risk factors Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively Timely processing of proposals as per TAT to ensure better time to market Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved Continuous monitoring of Infant Delinquencies. JOB Requirement: 3 to 8 years MBA (Finance)/CA Credit Analyst/Credit Manager

About The Role Job Role : Responsible for processing and underwriting of Commercial Vehicles Finance deals as per credit policy for Andhra Pradesh, Karnataka and Telangana. Ensure adherence to credit policy and defined processes and CAM quality and imparting training to Credit Processing Team/ Team Management. Maintaining defined TATs for approval and TAT / Performance Management of processing Team Imparting induction and continuous training programs for credit team and MIS management To ensure audit compliance and regulatory compliance Monitoring of Delinquencies / Infants Job Requirements : CA Inter / CA / MBA (Finance) Experience of minimum 2 years in financing business, preferably in a credit role for Commercial Vehicles. Good analytical skills and understanding of Commercial Vehicle market Good inter personal and communication skills (verbal and written)

About The Role Grade M3/M4/M5 Role Team Member - Credit Risk Analyst Department Risk Management Reporting Relationship Team Lead Credit Risk Location Mumbai Role Requirements Credit Risk Analytics and Modelling Analyse, model, validate and document various measures of Credit Risk for use in Expected Credit Loss and Capital computations. Hands-on experience in building, implementing, documenting, monitoring, validating, refining models and scorecards in particular for PD, LGD, EAD and related Credit Risk metrics - using statistical methods and / or expert judgement based techniques. In depth understanding of the techniques and functional insights that drive Credit Risk models and the experience of having used modelled output in computing Expected Credit Loss (ECL) under Ind AS, Credit Risk Capital under Internal Ratings based approaches, Economic Capital and having taken these measures through the scrutiny of auditors and regulators. This is the main requirement of the role and the individual should have a good knowledge of this function. Derive insights from data and effectively communicate these insights to Risk, Credit and Business teams. Develop Risk Dashboards and analytical reports for Senior Management. Preparing and submitting reports to the regulator and / or senior management on a periodic and adhoc basis. The job-holder will be responsible for computing and reporting ECL and related metrics on an on-going basis. Ability to work with (gather, consolidate, prepare, summarise) large data sets on a routine basis with an eye for detail and flair for numbers. Data cleansing and preparation for use in model building. Ensure reliability, integrity and consistency of reported and underlying data Pre-Requisites About 4 to 8 years of experience in a Bank, NBFC, Consulting Firm, Rating Agency in the areas of working PD, LGD, ECL, EAD. Exposure to risk reporting or financial reporting would be an advantage. Degree in statistics, mathematics or econometrics (or equivalent professional qualifications) with hands-on experience in statistical model development, implementation, validation would be an advantage. Experience and expertise in using any one or more among Python / SAS / R. Intermediate level SQL skills will be useful. Strong experience in areas like delinquency or loan loss forecasting, expected credit losses capital computation under advanced approaches. Above average to advanced excel skills Experience in projects involving automation / data consolidation in the areas of risk or financial reporting would be an advantage Skills and Knowledge CA or MBA with FRM preferred Understanding analysis of various types of credits Proven management and supervisory skills Excellent interpersonal skills, verbal/written communication skills and strong project management skills Above average to advanced excel skills Experience in working with Python, SQL or SAS would be an added advantage.

Credit Risk Analytics Professional Job Specification: Candidate would be responsible for developing, validating, auditing and maintaining credit risk models. Candidates would be expected to support financial institutions on meeting jurisdictional regulatory requirements and their broader risk management initiatives. Multiple positions required; Experience level 2-12 years of experience; Location: Bangalore Core Skill Requirements Candidate must have relevant experience in in statistical / mathematical modeling, quantitative research, credit risk management, or related field at a reputed bank, investment or broker services, asset management firm, Insurance provider or a consulting firm. Wider skill requirements include: Experience in Credit Risk Modeling PD/LGD/EAD TTC, PIT, Stressed and unstressed portfolio Experience in Model Development, Model Validation, Model Audit (implementation and execution experience will not be considered directly relevant) Knowledge of one or more of global regulatory norms - CECL, IFRS 9, CCAR/DFAST, Basel II/III, SR-11/7, E-23 around data sufficiency, modeling methods, industry standards etc. Well versed with one or more statistical techniques used in credit risk modeling – Logistic Regression, Time series, OLS, Probit models, Survival techniques, Tobit, Fractional Logistic, Beta model, State Transition Matrix, Single Factor Merton model etc. Experience in Machine learning algorithms like Random Forest, SVM, Neural Network etc. and Artificial Learning use cases such as Natural Language Processing, Robotics etc. will be a plus Proficiency in one or more analytical tools such as SAS, R, Python, Matlab, Scala, VBA etc. Experience in Data Science and cloud based analytics platform will be a plus Understanding of credit risk metrics like RWA, Expected loss, Regulatory and Economic capital, OTTI, Watchlist, Asset quality etc. Conceptual understanding of the data and methodology used for credit risk regulatory models Leveraging experiential know-how of a wide range of loan types, including C&I, CRE, RRE, ABL, Leasing, Credit Card, Vehicle, Personal etc. Prior experience in domains like commercial banking, retail banking, treasury, investment management and strong knowledge of risk data analysis and development, strategy design and delivery deployment. Vendor Experience Experience in bureau data from credit unions e.g. D&B, Experian, Equifax, Transunion Experience in vendor models and ratings like Fitch, Credit pro, Moody etc. Knowledge about external / benchmark models on consumer portfolios is a plus (FICO Score, Standards and Poor's, Fitch or Moody's Ratings) Selecting, implementing and/or using commercial credit risk workflow, analytics- e.g., Moody's KMV, S&P and/or, reporting technologies- e.g., Oracle, Cognos, et al. Non-functional skill requirement Preferred candidate profile

Credit Risk Analytics Professional Job Specification: Candidate would be responsible for developing, validating, auditing and maintaining credit risk models. Candidates would be expected to support financial institutions on meeting jurisdictional regulatory requirements and their broader risk management initiatives. Multiple positions required; Experience level 2-12 years of experience; Location: Bangalore Core Skill Requirements Candidate must have relevant experience in in statistical / mathematical modeling, quantitative research, credit risk management, or related field at a reputed bank, investment or broker services, asset management firm, Insurance provider or a consulting firm. Wider skill requirements include: Experience in Credit Risk Modeling PD/LGD/EAD TTC, PIT, Stressed and unstressed portfolio Experience in Model Development, Model Validation, Model Audit (implementation and execution experience will not be considered directly relevant) Knowledge of one or more of global regulatory norms - CECL, IFRS 9, CCAR/DFAST, Basel II/III, SR-11/7, E-23 around data sufficiency, modeling methods, industry standards etc. Well versed with one or more statistical techniques used in credit risk modeling – Logistic Regression, Time series, OLS, Probit models, Survival techniques, Tobit, Fractional Logistic, Beta model, State Transition Matrix, Single Factor Merton model etc. Experience in Machine learning algorithms like Random Forest, SVM, Neural Network etc. and Artificial Learning use cases such as Natural Language Processing, Robotics etc. will be a plus Proficiency in one or more analytical tools such as SAS, R, Python, Matlab, Scala, VBA etc. Experience in Data Science and cloud based analytics platform will be a plus Understanding of credit risk metrics like RWA, Expected loss, Regulatory and Economic capital, OTTI, Watchlist, Asset quality etc. Conceptual understanding of the data and methodology used for credit risk regulatory models Leveraging experiential know-how of a wide range of loan types, including C&I, CRE, RRE, ABL, Leasing, Credit Card, Vehicle, Personal etc. Prior experience in domains like commercial banking, retail banking, treasury, investment management and strong knowledge of risk data analysis and development, strategy design and delivery deployment. Vendor Experience Experience in bureau data from credit unions e.g. D&B, Experian, Equifax, Transunion Experience in vendor models and ratings like Fitch, Credit pro, Moody etc. Knowledge about external / benchmark models on consumer portfolios is a plus (FICO Score, Standards and Poor's, Fitch or Moody's Ratings) Selecting, implementing and/or using commercial credit risk workflow, analytics- e.g., Moody's KMV, S&P and/or, reporting technologies- e.g., Oracle, Cognos, et al. Non-functional skill requirement Preferred candidate profile

Job Purpose The role holder will be responsible for supporting Credit Risk ad hoc analytical requests, made by the UK based risk and compliance functions and wider business stakeholders as required. The group is currently in the process of enhancing its risk analytics capability and the creation of this new role will facilitate acceleration in the enhancement of insights provided to Senior Management and internal and Board risk committees. The role holder will also be responsible for periodic 2nd line thematic (deep dive) reviews (e.g. lending exceptions performance analysis), and periodic testing of the quality assurance / controls implemented and executed by the 1^st line business functions (i.e. lending underwriting assurance process). The risk team at OneSavings Bank PLC plays a central role in achieving the Bank’s ambitious growth plans and the successful candidate will have a unique opportunity to liaise with other parts of the Risk and Compliance team and the wider business functions and achieve personal development goals. Core Responsibilities Ad hoc risk analysis. Thematic risk specific deep dive reviews and controls testing across the business risk functions as required. As nominated Risk Champion for your function, work alongside the Risk function in developing and maintaining a risk management agenda, acting both to ensure the necessary levels of transparency for potential risks and promoting a positive culture of awareness and accountability throughout your function Maintain the company’s compliance standards and ensure timely completion of all mandatory on-line training modules and attestations Experience Requirements 4+ years’ experience of owning and running regular ad hoc risk analysis. 4+ years previous experience using SAS/SQL and PowerBI. Advanced excel user (i.e. proficient user with respect to Vlookups, VBA, other excel formulas) essential. Proficient user of Microsoft PowerPoint, creating presentations for senior management. 4+ years’ experience of undertaking a risk related role within a retail consumer finance business is desirable Knowledge Requirements Knowledge of risk management within the banking / financial services sector. Required Qualifications/Certifications A university degree in a quantitative field (i.e. Engineering or Mathematics) is essential. Responsibilities re Information Security Management System (as per ISO 27001 Certification Requirements) Ensure strict adherence to company’s security policies and procedures (for ex: Password policy, clear screen and clear desk policy, etc.) Take ownership of all the assets/information assigned and secure it in compliance with ISO 27001 standard implemented in the company. Co-operate and co-ordinate for the internal audits conducted in the company (complying to ISO 27001 standard). Report to the Incident Response Manager, any incidents you come across in the office with regard to Security threats like threats to physical asset & stored information or any risks detrimental to the Security Policies of the company, etc.,. Responsible to supervise in ensuring that all personnel reporting to you shall observe all Security requirements and be appropriately trained in Security.

Entity : - Accenture Strategy & Consulting Team : - Global Network – Data & AI Practice : - CFO & EV - Risk Analytics Title : - Ind & Func AI Decision Science Senior Manager/Manager About S&C - Global Network : - Accenture Global Network - Data & AI practice help our clients grow their business in entirely new ways. Analytics enables our clients to achieve high performance through insights from data - insights that inform better decisions and strengthen customer relationships. From strategy to execution, Accenture works with organizations to develop analytic capabilities - from accessing and reporting on data to predictive modelling - to outperform the competition. WHAT’S IN IT FOR YOU? Accenture CFO & EV team under Data & AI team has comprehensive suite of capabilities in Risk, Fraud, Financial crime, and Finance. Within risk realm, our focus revolves around the model development, model validation, and auditing of models. Additionally, our work extends to ongoing performance evaluation, vigilant monitoring, meticulous governance, and thorough documentation of models. Get to work with top financial clients globally Access resources enabling you to utilize cutting-edge technologies, fostering innovation with the world’s most recognizable companies. Accenture will continually invest in your learning and growth and will support you in expanding your knowledge. You’ll be part of a diverse and vibrant team collaborating with talented individuals from various backgrounds and disciplines continually pushing the boundaries of business capabilities, fostering an environment of innovation. What you would do in this role Engagement Execution: Work independently/with minimal supervision in client engagements that may involve model development, validation, governance, strategy, transformation, implementation and end-to-end delivery of risk solutions for Accenture’s clients. Ability to manage workstream of small projects with responsibilities of managing quality of deliverables for junior team members. Demonstrated ability of managing day to day interactions with the Client stakeholders o Practice Enablement o Guide junior team members. o Support development of the Practice by driving innovations, initiatives. o Develop thought capital and disseminate information around current and emerging trends in Risk. Who we are looking for? 2-11+ years of relevant Risk Analytics experience at one or more Financial Services/Banking firms, or Professional Services / Risk Advisory with significant exposure to one or more of the following areas: Development, validation, and audit of: Credit Risk- PD/LGD/EAD Models, CCAR/DFAST Loss Forecasting and Revenue Forecasting Models, IFRS9/CECL Loss Forecasting Models across Retail and Commercial portfolios Credit Acquisition/Behavior/Collections/Recovery Modeling and Strategies, Credit Policies, Limit Management, Acquisition Frauds, Collections Agent Matching/Channel Allocations across Retail and Commercial portfolios Regulatory Capital and Economic Capital Models Liquidity Risk – Liquidity models, stress testing models, Basel Liquidity reporting standards o Anti Money Laundering – AML scenarios/alerts, Network Analysis o Operational risk – AMA modeling, operational risk reporting Conceptual understanding of Basel/CCAR/DFAST/CECL/IFRS9 OR other risk and compliance regulations. Experience in conceptualizing and creating risk reporting and dashboarding solutions. Experience in modeling with statistical techniques such as – linear regression, logistic regression, GLM, GBM, XGBoost, CatBoost, Neural Networks, Time series – ARMA/ARIMA, ML interpretability and bias algorithms etc. Programing Languages - SAS, R, Python, Spark, Scala etc., Tools such as Tableau, QlikView, PowerBI, SAS VA etc. Strong understanding of Risk function and ability to apply them in client discussions and project implementation. Academic Requirements: Master’s degree in a quantitative discipline mathematics, statistics, economics, financial engineering, operations research or related field or MBA from top-tier universities. Strong academic credentials and publications, if applicable. Industry certifications such as FRM, PRM, CFA preferred. Excellent communication and interpersonal skills. Accenture is an equal opportunities employer and welcomes applications from all sections of society and does not discriminate on grounds of race, religion or belief, ethnic or national origin, disability, age, citizenship, marital, domestic or civil partnership status, sexual orientation, gender identity, or any other basis as protected by applicable law.

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

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

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

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

Role & responsibilities Strong experience in Testing Treasury Systems on Kondor product for UK bank hands on experience on K+TP (Kondor 3.5.x) suite (Front Office and Back Office mandatory) good to have Kondor middle office experience Strong knowledge of Treasury and FX trades. Good knowledge of E2E trade Lifecycle i.e. knowledge of functions of various treasury departments Treasury Markets, Operations, Market Liquidity, Credit Risk, Accounting and Finance. Good functional knowledge of trade executions for different instrument types for Collateral and derivatives - Forex, swaps, loans, deposits, Call accounts, repos, reverse repos and other related FX products. Hands on experience on Front office to Back office functions i.e. Capturing a trade, settling a trade and accounting. Good Knowledge of Operations of Position Keeping i.e. cash and liquidity management through cash flow planning and forecasting. Good Knowledge in treasury operations and controls (cash pooling/sweeping, forex hedging, etc) Good knowledge of SWIFT, CHAPS and Sterling payments processing and integration of Treasury Systems with Payments Gateways. Good knowledge of Nostro Management and Nostro Reconciliation tools. Good knowledge of treasury reports e.g. Regulatory Reporting, Financial Reporting, Statuary Reporting. Good understanding of Front Office and back office integration with Reporting Platform e.g. DeltaConX, DTCC etc. Monitoring compliance with financial regulations and reporting requirements Experience of working in Reg reporting ( MIFIR, FRTB etc. ) Good Knowledge of Collateral Management System e.g. CloudMargin. Ability to analyse and triage complex treasury functional issues reported by Business teams Preferred candidate profile

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

To underwrite and manage the portfolio in assigned branch/location 1. Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. 2. Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. 3. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. 4. Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. 5. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. 6. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties 7. Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems 8. Exceed service quality standards and strive for continuous process improvement 9. Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. 10. Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. 11. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team. 12. Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 13. Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre-sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies 14. Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. Post Graduate/ Graduate in any discipline

To underwrite and manage the portfolio in assigned area. 1. Support and co-partner with business teams to manage end to end credit approval for the designated region 2. Underwrite for all customer segment for retail and high value cases and present to senior level 3. Authorize deviations raised and documented by underwriters in compliance with credit policy. 4. Finalize review of credit memos, prepared by underwriters, and approval/ decline sign-offs on every file after checking for documentation requests. 5. Approve all disbursement requests on the basis of achieved adherence to requirements and full documentation attainment at the branch level. 6. Ensure timely completion of personal discussion documents through customer visits if required. 7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. 8. Co-ordinate with the recoveries team and generate business insights. 9. Lead a team of credit approvers to ensure portfolio quality and delinquencies. 10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB 11. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. 12. Evolve underwriting norms customized to the local market needs and ensure continued enhancement and execution of consumer credit risk strategy. 13. Adhere to all norms and regulations required. MBA/PGDBA/PGPM or Equivalent in finance

Get to know the team GrabFin is an aggregate of FinTech businesses spread across 6 countries in S.E. Asia, in the Lending, Payments and Insurance domains. We are excited to provide innovative financial services to all participants of the Grab Ecosystem be it our Drivers, Consumers or Merchants. Our products are built on fundamental market insights combined with data science and engineering to bring the best product market fit across the cross section of our user base. This understanding of our ecosystem combined with world class engineering execution continues to create tremendous value for our customers. The data scientist will work in a relatively flat team structure with an independent goal of building and manage critical data science models daily. You can expect to solve hard technical problems and grow into an expert on both batch and real-time Data Science use cases. You will have experience with technology and data science. You will be reporting to Senior Manager, Data Science. This role is onsite based in Bangalore. Youll develop credit risk scoring models for consumer loans, including PD, LGD, and collection models. Youll work with alternative data sources to boost model signal and accuracy. Your role will involve full ownership of the end-to-end model lifecycle from building and validation to deployment and maintenance. Youll collaborate with business, risk, and operations teams to shape solutions and influence product strategy with your insights. This is an individual contributor role suited for professionals with 8+ years of experience. The Critical Tasks You Will Perform Build predictive models using a mix of machine learning and traditional analytics methods to segregate between Good vs Bad borrowers Build Machine learning & Deep learning models to estimate losses from of a given portfolio. Validate models on new datasets, based on in-market performance. Engineer predictive features from internal data assets to build refined customer profiles. Identify external data assets to bring into the model mix. Drive model governance by collaborating with risk policy, compliance, and audit teams to ensure adherence to regulatory expectations. Identify model gaps or performance drifts and lead model refresh cycles. Present findings to senior leadership with clear articulation of risk trade-offs and growth. Translate model insights into strategic recommendations (e.g., policy changes, pricing levers, customer targeting strategies). Solve previously unsolved analytics problems using best in class data analytics and machine learning methodologies. Read more Skills you need The Essential Skills You Need 8+ years of experience. Deep domain expertise in credit risk modelling across PD, LGD, EAD, and collections Prior experience working in FinTech/credit businesses, especially in digital lending or unsecured loan portfolios Experience applying data science to credit underwriting, risk segmentation, and portfolio management Experience with credit business - lifecycle of a loan, collections process, and credit KPIs like NPL, ECL. Expert in building machine learning and predictive models in Python and Spark is an absolute must. SQL, Presto, Hive proficiency. Sound knowledge of machine learning concepts. Illustrative machine learning concepts/methods are: Bagging, Boosting, Regularisation, Online Learning, Recommendation Engines Experience with LLMs, and Generative AI Experience with model deployment pipelines - using MLFlow, Airflow, or other MLOps tools. Demonstrated experience building machine learning models Understand the trade-offs between model performance and our needs. Mindset is critical for success in this role. Read more What we offer About Grab and Our Workplace Grab is Southeast Asias leading superapp. From getting your favourite meals delivered to helping you manage your finances and getting around town hassle-free, weve got your back with everything. In Grab, purpose gives us joy and habits build excellence, while harnessing the power of Technology and AI to deliver the mission of driving Southeast Asia forward by economically empowering everyone, with heart, hunger, honour, and humility. Read more Life at Grab Life at Grab We care about your well-being at Grab, here are some of the global benefits we offer: We have your back with Term Life Insurance and comprehensive Medical Insurance. With GrabFlex, create a benefits package that suits your needs and aspirations. Celebrate moments that matter in life with loved ones through Parental and Birthday leave, and give back to your communities through Love-all-Serve-all (LASA) volunteering leave We have a confidential Grabber Assistance Programme to guide and uplift you and your loved ones through lifes challenges. What we stand for at Grab We are committed to building an inclusive and equitable workplace that enables diverse Grabbers to grow and perform at their best. As an equal opportunity employer, we consider all candidates fairly and equally regardless of nationality, ethnicity, religion, age, gender identity, sexual orientation, family commitments, physical and mental impairments or disabilities, and other attributes that make them unique. #LI-DNI Read more