1409 Credit Risk Jobs - Page 7

The role involves supporting the strategic intent of the business through finance and commercial, risk management, documentation, and treasury functions while ensuring compliances and controls are in place. You will support the development of short/medium/long term business plans and drive annual business plans by generating and analyzing requisite MIS/reports. This includes preparing, consolidating, and reviewing monthly MIS to evaluate the performance of various business units through profitability analysis, top-line growth, and cost control. You will manage risk through effective risk mitigation plans, identifying and tracking risk factors such as credit risk, currency risk, and country risk. Additionally, you will identify idle capital and develop action plans for unlocking its value, overseeing areas like liquidation of inventory, overdue debtors/advances, and working capital management. In terms of compliance, you will oversee accounts/audit finalization, support in structuring deals, and ensure strong adherence to Indian taxation regulations including periodic returns and tax refunds. It will be your responsibility to update the overall financial health of the company to support business decisions, conduct periodic checks on internal financial systems, manage vendor relationships, and maintain an optimal talent level in the team through engagement and development. The ideal candidate for this role should hold a CA/ICWA qualification, possess 18-20 years of experience in a similar role, and demonstrate strong knowledge of developing finance & accounting procedures, system controls, and checks. A robust understanding of Indian taxation is also required to excel in this position.,

Embark on your transformative journey as a Quant Analytics Wholesale Credit Risk - Vice President. In this role, you will be responsible for developing best-in-class credit risk models using modern model development frameworks and methodologies. Your primary focus will be on driving an increase in value by creating innovative modeling and analytical solutions that enhance the credit risk management and mitigation process through the utilization of broad data and cutting-edge technology. To excel as a Quant Analytics Wholesale Credit Risk - Vice President, you should possess hands-on coding experience, preferably as a full-stack developer or agile developer. Proficiency in languages such as Python and C/C++ is preferred. Additionally, you must have a solid understanding of Credit Risk concepts including Probability of Default (PD), Loss Given Default (LGD), Exposure of Default (EAD), IFRS9/CECL, and CCAR. Experience in Stress Testing/Scenarios Modeling, Model Development and/or Model Validation, as well as Statistical Modeling (particularly for Wholesale credit book) is essential. Highly valued skills for this role may include holding an Advanced Technical Degree (Master's/PhD or similar) in fields such as Statistics, Engineering, Numerical Analysis, Mathematics, Physics, Econometrics, Financial Engineering, Computer Science, or Financial Mathematics. Relevant certifications like GARP-FRM, PRM, CQF, AI/ML Courses, and Coding and Computer Programming are beneficial. Your performance may be evaluated based on key critical skills essential for success in the role, encompassing risk and controls, change and transformation, business acumen, strategic thinking, digital and technology, and job-specific technical skills. The position is based in Mumbai and entails designing, developing, implementing, and supporting mathematical, statistical, and machine learning models and analytics utilized in business decision-making processes. As a Vice President, your responsibilities will involve designing analytics and modeling solutions for complex business problems, collaborating with technology to specify necessary dependencies, developing high-performing analytics and model solutions, implementing models accurately, providing ongoing support, ensuring conformance to all Barclays Enterprise Risk Management Policies, and maintaining a defined control environment. Expectations for a Vice President include contributing to setting strategy, driving requirements, managing resources and policies, delivering continuous improvements, demonstrating leadership behaviors, advising key stakeholders, managing and mitigating risks, showcasing accountability for risk management, understanding organizational functions, collaborating with other areas of work, and creating solutions based on sophisticated analytical thought. All team members are expected to uphold the Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as demonstrate the Barclays Mindset of Empower, Challenge, and Drive in their conduct.,

As a qualified candidate for this role, you will be expected to demonstrate a broad expertise in Financial (Credit, Market, Liquidity) risk, Operational risk, and enterprise risk management. Your background should include proven risk and regulatory experience in financial services acquired through management consulting, banking, or other relevant industry practitioner or regulatory roles. Your responsibilities will include end-to-end project implementation and cross-functional stakeholder management, with a focus on agile project delivery. Additionally, you should be a seasoned business analyst with a strong track record in requirements analysis, requirements management, and documentation. Familiarity with tools such as JIRA, Confluence, and hands-on experience with SQL queries will be essential for success in this role. If you possess the necessary skills and experience in these areas, we encourage you to apply and be a part of our dynamic team.,

Role & responsibilities Perform in-depth fundamental credit analysis on Indian issuers including corporates, NBFCs, banks, and government entities. Analyze financial statements, cash flows, debt covenants, and credit ratios to determine creditworthiness. Track sectoral trends, regulatory developments, and economic factors affecting credit risk. Monitor macroeconomic indicators, interest rate movements, and global/local events impacting Indian debt markets. Prepare detailed credit notes, investment memos, and internal research reports with risk assessments and recommendations. Support portfolio managers in evaluating credit risk across portfolios and identifying new investment opportunities. Track and analyze credit rating movements, outlook changes, and material developments for issuers in the portfolio. Ensure compliance with internal risk guidelines and regulatory frameworks during credit evaluations. Engage with rating agencies, issuers, arrangers, and market participants to source credit information and insights Preferred candidate profile Education: CA or Masters degree in Finance, Economics, Accounting, or a related field. Certifications: CFA, FRM, or similar credentials (completed or in progress) are highly desirable. Experience: 2 to 5 years of relevant experience in credit analysis, financial research, or fixed income markets, preferably in a credit rating agency or asset management platform. Technical Skills: Strong proficiency in Excel; familiarity with Bloomberg is a plus. Understanding of credit risk, financial ratios, bond valuation, and fixed income securities (corporate and government bonds). Market Knowledge: Strong grasp of the Indian fixed income market, credit ratings, and macroeconomic indicators. Soft Skills: Excellent report writing, and communication skills with attention to detail.

Job brief We are looking for a Credit Manager to oversee our companys lending process, from evaluating clients creditworthiness to approving or rejecting loan requests. Credit Manager responsibilities include creating credit scoring models, setting loan terms and determining interest rates. To be successful in this role, you should have a degree in Accounting or Finance along with experience processing loan applications. Previous banking experience is a plus. Ultimately, you will help us minimize bad debts and increase revenues from loans. Responsibilities Research and evaluate clients creditworthiness Create credit scoring models to predict risks Approve or reject loan requests, based on credibility and potential revenues and losses Calculate and set interest rates Negotiate loan terms with clients Monitor payments Maintain records of loan applications Follow up with clients to manage debt settlements and loan renewals Ensure all lending procedures comply with regulations Develop, review and update our companys credit policies

Credit Manager About Supermoney We are looking for a dynamic Credit Manager to join our team as we scale our company. Supermoney is the trusted digital working capital solutions partner for enterprises and small businesses. We partner with leading brands such as Jiomart, Reliance, Haier, Jindals, Amaron etc. to extend customized payments and financing solutions for their supply chain ecosystem. Learn more at https://www.supermoney.in/ Location: Mumbai Roles & Responsibilities: 1. Provide analysis of customer financial statements and ensure that all data entry is accurate and complete and authorize credit limits 2. Responsible for the underwriting of loan requests and annual reviews 3. Serve as consultant in the local Credit Committees and related meetings and projects 4. Interact with current loan/credit customers, prospects, and bank lending officers 5. Discuss the decision process for credit lines exceeding the local competencies with Headquarters, if applicable 6. Responsible for reviewing legal documentation and ensure proper administrative follow up of credit decisions 7. Analyze loan data, including data provided by customers, credit bureaus, and bank records on new, renewal, and existing loans to ensure loan worthiness 8. Prepare spreadsheets, summaries, reports, and opinions for loan officers and loan committees to aid sound credit decisions on new, renewal, and existing loans 9. Ensure that clients financial statements are in line with company’s policies, and express an opinion on the financial situation of the customer 10. Based on the agreed policies of the company, decision making of approval of rejection of a particular loan application and making further connections for verification of customer’s documents. 11. Maintain current knowledge of industry and professional topics by attending relevant training sessions 12. Ensure there are timely and effective mechanisms for feedback to teams and team members on issues related to performance or compliance to policy and procedure, including retraining or other measures as needed

Mandatory Skills 8+ years relevant experience in Business Analyst role delivering projects using the agile methodology for Risk (preferably Credit Risk in Investment or Corporate Banking ) Exposure on Grading of counterparties, Limit Management & Credit Reviews Understanding of Risk Metrics - Probability of Default, Loss Given Default & Exposure at Default Product Knowledge Derivatives, Fixed incomes, Equities etc Experience of working with SQL Queries and data models using SQL based tools . Ability to assimilate information quickly, make informed decisions, ability to use own initiative to resolve issues/ investigate and find solutions. Experience of preparing and issuing a range of key business analysis deliverables Regular and confident interaction with end-users and customers having strong focus on delivering strategic solutions for the business. Proven experience of working within Software development lifecycle Defining requirements, testing & implementation Working in medium to large scale change initiatives Working with Agile Methodologies & tools E.g. Jira & Confluence Understanding data concepts and being able to perform data analysis. Flexible and adaptable working style to collaborate with multiple stakeholders Excellent verbal and written communication skills. Open to work in UK Shift (10 Am to 9 Pm IST with 8 hours of productive work) Education Qualification: B.Tech or MCA Mandatory Competencies BA - SQL Development Tools and Management - Development Tools and Management - JIRA BA - Business Knowledge Beh - Communication and collaboration QA - Agile Methodology BA - Business Analyst - Requirement Gathering

Project description The Business Analyst will work with Moody's Credit Risk team of UK Based Investement Bank and work collaboratively with Country Finance, Treasury, Group Liquidity Regulatory reporting and BAU teams to understand requirements and articulate them within the Business and data requirements document Responsibilities To act as a business solution owner of the projects' target state and support analysis included in relevant concept and methodology papers required for preparation of BRDs To be accountable for ensuring that detailed requirements are documented in BRDs, and are duly signed off by relevant stakeholders To ensure that the new solutions comply with internal procedures / external regulatory guidelines and project deliverables are properly understood by business stakeholders, project team, and end-users. Analysis of new data sourcing to support ETL design and development Elicitation of data requirements and documentation of data mapping specifications for Funds Transfer Pricing (FTP) computation Analysis and fixing of data quality issues Validate all downstream data extracts To validate that the strategic system architecture proposed by Technology is fit for its business purpose and is in line with the agreed business target state To drive prioritization taking into consideration business benefits, delivery timelines, system performance etc. To centrally coordinate system interfaces/dependencies/change releases for the Treasury and Liquidity Reporting work streams and ensure alignment across all centres Test planning, coordinate testing, validate test results and obtain sign off from stakeholders To support the development of testing packs with predefined results sets To review test cases ensuring completeness of UAT coverage To monitor any gaps / defects identified, and work with Technology counterparts to track progress and ensure resolution Skills Must have 6-12 years of functional experience in Credit Risk, Capital risk, regulatory reporting change Management roles Good understanding of financial & capital markets domain with sound knowledge of products like equities, fixed income, derivatives, forex etc. Knowledge of Basel Capital regulations and good understanding of financial risk Expertise in SQL and Oracle tools. Experience with both waterfall & agile methodologies Experience in analysing data to draw business-relevant conclusions and in data visualization techniques and tools Strong communication and stakeholder management skills Nice to have unctional experience with Moody's Fermat/Risk Authority risk calculation and reporting engine

Project description The Business Analyst will work with Moody's Credit Risk team of UK Based Investement Bank and work collaboratively with Country Finance, Treasury, Group Liquidity Regulatory reporting and BAU teams to understand requirements and articulate them within the Business and data requirements document Responsibilities To act as a business solution owner of the projects' target state and support analysis included in relevant concept and methodology papers required for preparation of BRDs To be accountable for ensuring that detailed requirements are documented in BRDs, and are duly signed off by relevant stakeholders To ensure that the new solutions comply with internal procedures / external regulatory guidelines and project deliverables are properly understood by business stakeholders, project team, and end-users. Analysis of new data sourcing to support ETL design and development Elicitation of data requirements and documentation of data mapping specifications for Funds Transfer Pricing (FTP) computation Analysis and fixing of data quality issues Validate all downstream data extracts To validate that the strategic system architecture proposed by Technology is fit for its business purpose and is in line with the agreed business target state To drive prioritization taking into consideration business benefits, delivery timelines, system performance etc. To centrally coordinate system interfaces/dependencies/change releases for the Treasury and Liquidity Reporting work streams and ensure alignment across all centres Test planning, coordinate testing, validate test results and obtain sign off from stakeholders To support the development of testing packs with predefined results sets To review test cases ensuring completeness of UAT coverage To monitor any gaps / defects identified, and work with Technology counterparts to track progress and ensure resolution Skills Must have 6-12 years of functional experience in Credit Risk, Capital risk, regulatory reporting change Management roles Good understanding of financial & capital markets domain with sound knowledge of products like equities, fixed income, derivatives, forex etc. Knowledge of Basel Capital regulations and good understanding of financial risk Expertise in SQL and Oracle tools. Experience with both waterfall & agile methodologies Experience in analysing data to draw business-relevant conclusions and in data visualization techniques and tools Strong communication and stakeholder management skills Nice to have unctional experience with Moody's Fermat/Risk Authority risk calculation and reporting engine

- Establish relationships across the organisation to understand, interpret and document the firms data flows in line with the Data Governance Framework and Methodology - Partner with business and IT SMEs to define the banks data, in line with our enterprise wide data language - Identify and document the key controls that exist along the data flows that maintain the integrity of data and facilitate control framework assessments that ensure known gaps or issues documented - Maintain an excellent standard for all aspects of project delivery and governance, including planning, status reporting and risk management - Support the Lead analyst and partner with other team members, aligned businesses and control functions across teams and divisions - Train and mentor junior analysts/YG to enhance team capabilities. - Develop training materials and conduct Knowledge sharing session \ to the team - Prepare for, attend and actively contribute to process governance meetings. - Ensure compliance with established data governance frameworks. Profile required - 4+ years of experience in Banking/Financial services, Business Operations, Group functions(Risk, Finance, Compliance,), Consulting services or Data Management space within other industries. - Excellent analysis and documentation skills with the ability to grasp new concepts easily and adapt within a changing environment - Knowledge of banking and capital markets and / or familiarity with regulations such as BCBS, CCAR, IFRS - Understanding of data governance management/platforms - Experience in Data Lineage/ Data Management office is desirable. - Methodical, concise and accurate with strong attention to detail and excellent organisational skills, including the ability to work under pressure and meet stringent deadlines - Excellent stakeholder management and communication skills, both written and oral; comfortable interacting with colleagues at all levels - Team player with a flexible, adaptable approach to work and self driven

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 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

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 Groups 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. 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 models 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: o Model estimates vs realized values (e.g. back-testing for some models); o Stability of model outcomes; o Benchmarking: model output vs output generated by comparable models or applications; o 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 models 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

Client/stakeholder management Client Centric Report and escalate Client Incidents Develop and maintain a strong connect with stake holders Provide a quick/satisfactory resolution for issues Build effective synergy with cross-functional units Operational Excellence: Deliver BAU per set benchmarks/ agreements Monitor/Escalate errors and incidents Identify production efficiencies and deliver Monitoring all the below activities handled by the team to ensure better quality, controls are maintained. Processing/Validating of Deals, Facilities and Outstanding in Loan IQ. Review credit agreement to reconcile terms and conditions to deal structure Handling of Loan Servicing activities. Processing/Validating loan participations (new borrowings, increases, rollovers, pay-downs, commitment reductions) Daily transfer of loan proceeds; receipt of funds and matching incoming cash Process/Validate Interest and Fee billing for the direct/Agented Loans, billing the customers and send pro-rata shares to the participants. Process/Validate notice for breakage fee activity for fax to agent bank; follow-up with traders on rate to be assigned and process accordingly. Process/Validate notices of activities to fax to all participants/customers for loan confirmation. Handling of Swift Payments. Review the reconciliation of positions, discrepancies in Interest and fee payments etc. Preparation/posting of manual G/L entries as required. Review various system generated reports to ensure proper monitoring of the facilities; investigating past due items, suspense, receivables, expiring SBLC, etc Ensure all process requirements are documented fully, appropriately, and sign-off is obtained from all stakeholders periodically Ensure compliance/regulatory adherence Guide the team on complex production issues Effectively manage the KRI/KP Profile required A good academic background Strong understanding of syndicated/bi-lateral financing and loan life cycle (Includes deal origination, transaction management, secondary trading, amendment/restructures and corresponding regulatory reporting) Knowledge on Basel Norms and credit risk Knowledge of Financial Products (Especially Loans, Guarantee and Stand by Letter of Credit etc.). Through knowledge of syndicated loan documentation Full suite of Loan Servicing Knowledge on Operational Risk. Ensure the risks are well anticipated and managed

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Manager and other NBFIs) located in various regions Globally. MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct sector research to support the analysis. Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Propose obligor ratings using our internal rating tools. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. Assist in special credit related assignments and projects, as required. COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines. Ability to identify and accommodate shifting priorities with little notice Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. Acquire ability to complete work with minimal or no supervision Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. TECHNICAL SKILLS Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors. Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s) Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions Develop competency with SGs internal systems. Desired: Knowledge of capital markets/traded products and committed financing facilities Knowledge of Asset Management and Banking Industry. Advanced Excel skills, such as macros and pivot table

GLOBAL BANKING AND ADVISORY (GLBA) /Credit Portfolio Management Financial Assets and Insurance (GLBA/CPM/FAI). The mission of CPM/FAI is to provide credit analysis and manage the credit relationship with clients of FAI. This position has a focus on Financial Institutions (Funds, Asset Managers, Agent Lenders and other NBFIs). MAIN ACCOUNTABILITIES The individual will be responsible for credit analysis of existing or new financial institution clients/counterparties related to the following industries: agent lenders, asset managers, regulated funds, pension funds; other NBFIs. Products lines encompass OTC derivatives, prime services products, foreign exchange, repo, securities lending and structured transactions. Clients may also require committed loan facilities. Day to day responsibilities include: Process credit requests in a timely manner to meet business deadlines and maintain the annual review cycle. Research and analyze financial data on the client to prepare high quality analysis in credit applications that address client credit risk and transaction risk. Conduct sector research to support the analysis. Develop strong credit judgment skills when recommending credit facilities, taking into consideration facility size, tenor, and suitability for client. Propose obligor ratings using our internal rating tools. Manage key components of counterparty credit administration such as internal ratings, trading documentation (ISDA/CSA, GMRA, GMSLA, GTB), and credit risk limits. Become knowledgeable of credit terms for legal documents and follow up with legal department on negotiations. Perform ongoing monitoring of client credit quality to identify a possible deterioration of credit quality. Monitor exposure and manage credit limit exceptions. Adapt to ongoing accounting and regulatory changes that affect credit limits and exposure. Coordinate all aspects of a credit request, liaising with legal staff, Risk Division and relevant parties. Assist in special credit related assignments and projects, as required. COMPETENCIES Required: Ability to organize time and manage deliverables to deadlines. Ability to identify and accommodate shifting priorities with little notice. Ability to analyze and evaluate counterparty risk and financial condition based utilizing quantitative and qualitative data. Acquire ability to complete work with minimal or no supervision. Possess a high degree of enthusiasm and energy to learn a variety of financial institution industry sectors. Ability to work in a team environment, interfacing with team members, front office bankers and salespersons, risk team, and clients. TECHNICAL SKILLS Required: Proficiency using Word for written analysis and Excel for spreadsheet analysis. Ability to acquire knowledge of the accounting, legal and regulatory issues governing relevant sectors. Ability to investigate/research/synthesize data and make appropriate conclusions as to what is causing the observed result(s). Ability to write concisely and in a way that conveys analysis and conclusions without minimal follow-up questions. Develop competency with SGs internal systems. Desired: Knowledge of capital markets/traded products and committed financing facilities. Knowledge of Asset Management and Banking Industry. Advanced Excel skills, such as macros and pivot tables

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 Gnrales 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 Groups business lines. Joining us would mean integrating into a network of proven excellent at the very center of the banks 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. Profile required 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

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 Gnrales 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 Groups business lines. Joining us would mean integrating into a network of proven excellent at the very center of the banks 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. 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

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

1.JOB PURPOSE:Responsible for Credit underwriting of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience3-5 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

JOB PURPOSE:Responsible for Area Credit Manager of Rural_ LAP proposals for L&T Finance Ltd. PRINCIPAL ACCOUNTABILITIES: Ensure credit underwriting in line with defined credit policy of Rural_ LAP BusinessEnsure appropriate judgement is taken on the credit proposals to ensure the quality of portfolioUnderstand credit policy and processes as well as credit environmentEnsure detailed PD is done for all the proposals. Further few customers need to be physically visited inline with requirementEnsure the quality of Credit approval note and the Credit approval mails.Ensure the TAT for all the proposals is maintained inline with the prescribed standardsEnsure the productivity for underwriting proposals is maintained inline with the prescribed standardsEnsure all MIS is maintained timely and correctlyContribute to the new project initiatives 3. SKILLS AND KNOWLEDGE Educational QualificationsCA/Post-graduate in FinanceFunctional SkillsAttention to Detail, Critical Thinking, Sound Knowledge of Risk Management & Credit, Process Oriented, Time Management Relevant and total years of Experience5-10 years in an underwriting team of a top tier bank/ NBFC/ fintechs in India.

As a Portfolio Manager at Deutsche Bank in Mumbai, India, you will be part of the Risk & Portfolio Management (RPM) team within the global Trade Finance and Lending (TF&L) group. Your primary responsibility will be to develop and coordinate a comprehensive risk-to-revenue strategy to maximize portfolio risk/returns while proactively managing risk and balance sheet consumption for Trade Finance & Lending. You will work closely with onshore RPM Portfolio Management colleagues to further improve the risk-reward of the TF&L and wider CB portfolio through efficient allocation of risk resources. This includes identifying and driving portfolio optimization, increasing transparency on the portfolio through reporting and analysis, facilitating the preparation of regular portfolio reports, and performing ad hoc analytics for senior management and outside requests. To excel in this role, you should have 7-10 years of work experience in a relevant field of Finance/Economics, with a background in portfolio/credit risk/rating agency desired. Strong analytical and problem-solving skills are essential, along with the ability to work in virtual teams and matrix structures. Excellent communication skills in English, both oral and written, are required, and experience with Trade Finance & Lending products and regulatory topics is a plus. A Bachelor's/Master's degree in Economics, Finance, or Engineering is recommended, along with technical competencies in advanced Excel, Power Queries, Macros, and working with large datasets. Knowledge of Python, Tableau, and other analytical/reporting tools is advantageous. At Deutsche Bank, you will have access to training and development opportunities to help you excel in your career, coaching and support from experts in your team, and a culture of continuous learning to aid progression. The company promotes a positive, fair, and inclusive work environment where employees are empowered to excel together every day. If you are looking to join a dynamic team focused on maximizing portfolio risk/returns while managing risk and balance sheet consumption, we encourage you to apply for the Portfolio Manager role at Deutsche Bank in Mumbai. Please visit our company website for further information: [Deutsche Bank Company Website](https://www.db.com/company/company.htm),

Kshema General Insurance Limited (Kshema) was established in 2018 and is India's only Digital Agri Insurance Company catering to farmers/cultivators in the Agriculture Sectors. Kshema enables cultivators with resilience from financial distress due to extreme climate events and perils through localised insurance products. Kshema is leveraging Technology to provide cutting edge insurance solutions to farmers. Kshema has a pan India presence with more than 500+ employees on roles along with 500+ employees as contractors. Required Knowledge & Experience: Looking for a Minimum of 12 years of relevant experience. Understanding of financial risk management, hedging strategies and knowledge of ALM. To develop a financial risk management framework/strategy as per company's business objectives and risk appetite. To develop, improve, and update financial risk appetite, policies, and tolerances as per changing business/market dynamics. To work collaboratively with the senior management team and credibly challenge strategies/policies based on independent risk assessments/inputs to facilitate risk-based decision-making. To conduct research/statistical analysis to assess the frequency and severity of risk events through stress testing, sensitivity analysis, etc. To develop, calibrate, and run high-quality risk models for quantification and assessment of risk. To identify material changes in risk profile proactively and emerging risks. To perform financial risk reviews for Market and Credit risk. To ensure ALM risk management - liquidity risk and interest rate risk. To ensure the execution of hedging strategies and monitoring their effectiveness continuously. To use a sound understanding of derivative instruments for the creation of hedging strategies. To monitor/analyze key financial matrices and assess the potential impact of changes in them on the company's financial strength. To develop and document the risk methodology and policies/procedures. To ensure continuous improvement in risk management framework and monitoring tools. Requirements: Educational Qualification: Preferred MBA with engineering background/CA. Certifications: FRM/IRM.,

The individual will work be responsible for Business Analysis in credit risk solutions portfolio. The job will include, but not be limited to, requirement gathering, feature documentation, user acceptance testing, functional approach documentation and market research. Representative Product Set: 1. Domain: Credit Risk related processes - Corporates 2. Solutions: Corporate Loan Origination System, financial spreading and Rating system Functional Responsibility Responsible for gathering and translation of business and technical requirements into business requirement documents for Business and Technical documents for the development team Responsible for stakeholder management, working as a mediator between Technical IT partner and Business partners. Responsible for project management, planning project delivery timelines and achieving it. Responsible for providing technical solution to business problems Responsible to design Data Model, Insightful Dashboards and reports through wireframes. Responsible for managing escalations. Ensure testing of the new developments/ new products are planned and executed as per the SLA agreed with the client Process Adherence Prepare and retain project documentation like BRD, FSD, Project Plan, signoff emails etc. for audit requirement. Educational Qualifications PGDMS / MBA / CA will be preferred Experience • 5-7 years, preferably in credit risk or analytical or client-facing roles • Strong domain knowledge in corporate credit lifecycle and credit rating is a plus Skills • Good understanding of Credit risk, Credit underwriting process and Analytics • Self-motivated individual with agile mindset who can learn quickly, support in market research, identify gaps in the existing system and help create product road map. • Excellent oral and written communication, and basic project management skills are a must • Ability to articulate complex concepts in a clear manner, execute in a fast paced environment while balancing multiple priorities and delivering on timelines • Ability to negotiate, influence, and collaborate to build successful relationships • Ability to work effectively in a team environment and across all organizational levels, where flexibility, collaboration, and adaptability are important • Strong analytical skills with high attention to detail and accuracy

Drive attainment of all sales targets for the territory Execute achievement of value volume targets for the year. Lead achievement of Numeric and Weighted Reach Target of the territory together with development of key dealers. Own up Tinting machines across the territory Action out the booking, installation and successful nurturing of Tinting Machines across outlets in the territory. Driving performance of trade schemes and on ground promotions for the territory Analyse and understand all the trade schemes and on ground promotions. Communicate the trade schemes and on ground promotional activity briefs to the relevant stakeholders. Manage and engage all dealers within the territory Conduct credit risk assessment of every dealer. Manage the receivables for all dealers. Carry out the broad inventory management for the dealers. Engage in cross functional liasoning within the organization Execute cross function interaction with commercial, CFA and other stake holders to ensure defined service level for his dealers.