479 Credit Risk Jobs - Page 8

: Job Titl eCredit Officer, AVP LocationMumbai, India Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

About us Target is one of the world s most recognized brands and one of America s leading retailers. Target s Global Supply Chain and Logistics is evolving at an incredible pace. We are constantly reimagining how we get the right product to the guest even better, faster and more cost effectively than before. We are becoming more intelligent, automated and algorithmic in our decision-making, so that no matter how guests shop in stores or on Target.com we deliver the convenience and immediate gratification they demand and deserve. We are on a mission to win decisively over any competitor, with a seamless and superior guest service experience unlike any they can offer. Our teams work with the agility our mission requires, and we constantly come together to implement new processes in record time. So we re looking for exceptional people who are proactive, creative, independent, innovative, risk-savvy and comfortable working in varying degrees of ambiguity. Are you a critical thinker who seeks the root cause and can analyze both qualitatively and quantitativelyAre you a creative problem-solver who simplifies problems, quickly identifies solutions, commits to a plan and then positively influences others to execute itIf so, you will have success on one of our dynamic teams. A role in Fulfillment & Last Mile means creating industry leading intelligence solutions to drive best in class omnichannel guest experiences at the lowest cost to Target. You might focus on enabling the future fulfillment operating model, optimizing inventory management, driving defect resolution for guest promise and cost improvements or leveraging deep business insights and analytics to propel Target s Supply Chain. As a network steward, we design availability, promise, order allocation, and inventory optimization strategies and leverage technology to ensure our inventory is available at the right time, in the right places and quantity to meet the needs of our guest, stores and operational goals. Super-powered first and foremost by our people, and supported by robust process and technology, we are a team of data-focused, curious minds who love to solve hard problems to enable a dynamic, fast paced Supply Chain Network. Our modern operating systems are built by Target and lead in the arena of automated large scale supply chain planning and optimization systems running large-scale solves for complex optimization problems. As a Director of Fulfillment Optimization team, You will be responsible to set strategic direction to drive core analytical insights to influence eCommerce fulfillment decisions to optimize speed, cost and guest experience. You will be responsible and accountable for the delivery of business outcomes enabled through deep analytics and insights powered by analytical products You will partner with product teams, digital business teams, supply chain and other operations teams globally to deliver on business outcomes like ship expense reduction, promise speed, inventory availability on digital channel for various service levels. You will be accountable for building, coaching, and mentoring a strong team of optimization managers/analyst while also building a strong team culture of progress, transparency, and efficiency across Product teams. You will be responsible to elevate your collective team s performance by providing insightful, motivating, and constructive feedback to all roles on the team while also working with senior leadership and peers across pyramids to negotiate and remove execution related barriers for your teams. You will leverage data and analytics to provide competitive analysis, drive decision making, assess the health and effectiveness of digital fulfilment related P&L impacts, and to deliver recommendations to key stakeholders. It will be critical that you possess an understanding of retail, eCommerce or similar area, relevant technologies and design principles to drive innovative and scalable analytics across different area in supply chain. Job duties may change at any time due to business needs. About you: BTECH/MTECH/MS degree 10+ years of retail or equivalent domain experience 5+ years of leading and developing teams, with cross-functional influence Experience in business problem solving using analytical skills Experience with Supply Chain and Ecommerce Order Fulfillment Experience in leading strong analytical and business team Ability to lead and influence a global team while fostering relationships across multiple enterprise wide teams Experience with statistical tools such as SAS, R, and with scripting languages such as Python for analyzing data and building prototypes and solutions Strong communication skills and proven ability to influence both at a strategic leadership level and cross functionally A strong passion for empirical research and for answering hard questions with data. Good understanding of analysis of algorithms, simulations, A/B testing, stochastic models, forecasting Familiarity with supply chain concepts such as forecasting, planning, optimization, and logistics - gained through work experience or graduate level education.

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

You will be working closely with the Sales and Credit Risk teams within Drip as we'll as with Drip s third-party logistics partners in the US acting as a cross-function liaison. Bachelors degree in finance, accounting, business administration, or a related field. Knowledge of credit principles, financial terminology, and risk assessment. Strong analytical skills with the ability to interpret and evaluate financial data. Excellent attention to detail and accuracy in data processing. Sound knowledge of computer software and database systems for data entry and analysis Ability to prioritize tasks and work efficiently in a fast-paced environment. Our Checklist: Minimum 6 months of Work experience B.Com Graduate we'll-versed with Microsoft Excel Document handling Data entry background

Job Information Job Opening ID ZR_1776_JOB Date Opened 24/03/2023 Industry Technology Job Type Work Experience 3-5 years Job Title Credit Manager City Bangalore Province Karnataka Country India Postal Code 560102 Number of Positions 1 Prepare credit appraisal memorandum for approval Portfolio quality management to ensure lower delinquency ratio Maintain productivity and TAT as per prescribed norms Personal Loan/Home loan/LAP/term loan relevant CPA experience 3-4 Years Knowledge about CIBIL check(event) ; career-website-detail-template-2 => apply(record.id,meta)" mousedown="lyte-button => check(event)" final-style="background-color:#2B39C2;border-color:#2B39C2;color:white;" final-class="lyte-button lyteBackgroundColorBtn lyteSuccess" lyte-rendered=""> I'm interested

Job Information Job Opening ID ZR_2032_JOB Date Opened 27/10/2023 Industry Technology Job Type Work Experience 3-5 years Job Title Market Risk City Chennai Province Tamil Nadu Country India Postal Code 600001 Number of Positions 4 Experience of 3+ years working with financial products and market risk while employed at an asset management firm or risk technology vendor. Solid working knowledge of all financial products with an emphasis on MBS, ABS and structured products. Strong knowledge of key market risk analytics including DV01/CS01/OAS/option Greeks and Value at Risk (VaR). check(event) ; career-website-detail-template-2 => apply(record.id,meta)" mousedown="lyte-button => check(event)" final-style="background-color:#2B39C2;border-color:#2B39C2;color:white;" final-class="lyte-button lyteBackgroundColorBtn lyteSuccess" lyte-rendered=""> I'm interested

Job Information Job Opening ID ZR_2127_JOB Date Opened 05/03/2024 Industry Technology Job Type Work Experience 3-5 years Job Title Market Risk Analyst City Chennai Province Tamil Nadu Country India Postal Code 600005 Number of Positions 5 Experience of 3+ years working with financial products and market risk while employed at an asset management firm or risk technology vendor. Solid working knowledge of all financial products with an emphasis on MBS, ABS and structured products. Strong knowledge of key market risk analytics including DV01/CS01/OAS/option Greeks and Value at Risk (VaR). Some experience in quantitative models and methods. Strong technical expertise in Excel and Bloomberg. BS or MS in Finance / Financial Engineering Strong communication skills, both verbally and written. Proven ability to multi task in support of multiple processes.Position and responsibilities Analyze risk position data validation, calculation & reporting of market risk exposures and metrics. Communicate with clients in support of daily market risk analytics and reporting. Support sales by responding to client questions during the trial period, implementation and on-going.Mandatory Skills: Market risk,quantitative,python,Dv01,Var** work from home option is available check(event) ; career-website-detail-template-2 => apply(record.id,meta)" mousedown="lyte-button => check(event)" final-style="background-color:#2B39C2;border-color:#2B39C2;color:white;" final-class="lyte-button lyteBackgroundColorBtn lyteSuccess" lyte-rendered=""> I'm interested

Responsibilities: Lead and manage key projects like the Falcon upgrade Manage Falcon upgrades across retail, institutional, and merchant sectors. Drive and support institutional fraud-related projects. Lead and provide expertise on fraud and financial crime risk management. Manage and deliver major projects like Falcon upgrades, AML updates, and merchant fraud migrations. Collaborate with financial institutions to develop effective fraud detection and prevention strategies. Ensure systems like Falcon and AML tools are up-to-date and optimized. Stay compliant with financial crime regulations and help develop internal policies. Train and mentor teams on fraud prevention best practices. Conduct risk assessments and report findings to senior management

Job Title: Risk and Compliance Manager Management Level: Manager / Consultant Location: Gurgaon, Mumbai, Bangalore, Pune, Hyderabad Experience: 5–12 Years Education: MBA (Finance) from a Tier-1 B-school, or CA/CMA, CFA Certifications (Preferred): FRM, PRM, CFA About the Role Join a Top-Tier Strategy & Consulting Practice , where you will support global clients in building innovative, forward-looking risk management strategies as a Risk and Compliance Manager , where you will support global clients in building innovative, forward-looking risk management strategies. In this role, you will drive consulting projects, partner with deal teams, and help shape the future of risk and compliance across diverse sectors. Key Responsibilities Lead the design and delivery of risk strategy, transformation programs, business cases, and technology solutions in areas such as: Enterprise risk management Portfolio and liquidity risk Market and credit risk modeling Fraud and financial crime risk compliance Advise clients across geographies on risk maturity assessments and regulatory frameworks. Build and manage a pipeline of consulting engagements and business development opportunities. Author thought leadership and whitepapers on emerging risk trends. Collaborate closely with global teams to ensure consistent, high-quality delivery across markets. Contribute to practice development through mentorship, capability building, and knowledge sharing. Must-Have Skills Deep expertise in risk modeling , with hands-on experience in PD, LGD, EAD methodologies. Demonstrated experience in designing and executing credit, market, or liquidity risk frameworks. Proven ability to lead consulting projects or internal risk transformation programs. Strong business acumen with a consultative mindset. Excellent written, verbal, and presentation skills. Familiarity with risk technologies and platforms like Murex, Calypso, SAP HANA, PEGA, JIRA, Bloomberg, etc. Good-to-Have Skills Exposure to areas such as: Credit underwriting frameworks, collections, and counterparty risk FRTB, IBOR transition, stress testing, and capital calculations Risk register development, RCSA, KRI/KCI, fraud analytics Third-party risk consulting and operational risk management Knowledge of regulatory environments in key global markets Experience working with global clients in distributed delivery models Why Join Us Work with G2000 clients on strategic, high-impact projects Collaborate globally with leaders across strategy, tech, and industry Access world-class learning and development opportunities Champion responsible business , inclusion, and equality in everything you do Be part of a culture that supports growth, innovation, and purpose-driven work

To underwrite mortgage business and manage the portfolio in assigned branch/location Core 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 honour 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, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. 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 mortgage business comprising of loan against property, and home loan 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. Follow up and ensure recovery of quick mortality cases between - MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

About PhonePe Group PhonePe is India s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services. Culture At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right environment for you is just one of the things we do. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us! What to expect from this role We plan to expand our risk strategy team, and we are looking for experienced risk professionals who will work on building risk strategy for our lending business. They will work in a dynamic environment, and with cross-functional teams to help manage risk while continuously supporting the business to grow. They will be expected to work on: Build Risk strategies to manage Fraud and Credit Risk for Lending business Build best in class risk models Be able to clearly communicate results and recommendations to various stakeholders Manage the overall portfolio risk and predict ECL for the portfolio Evaluate alternate data sources to solidify the risk management Work with cross-functional teams to build the anomaly detection capabilities Collaborate with Product team to build the right product to manage risk Evaluate the effectiveness of the solutions and improve upon them in a continuous manner We expect them to have a mix of a strong technical background and to have a keen eye for business implications of their work The ideal candidate for this role should BTech/ BE from Tier-I & II colleges 1-2 years of experience in Risk Analytics preferably with FinTechs Experience in SQL, Python, MS Excel Preferably experience with Statistical modeling such as Logistic Regression, Decision Trees, Gradient Boosting models etc. Be agile and highly collaborative, communicate impressively Strong analytical acumen and problem solving Be skilled in building and managing business alliances Be highly data-driven and adept at balancing needs with business goals Thrive in a competitive and a result-oriented work environment PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog . Life at PhonePe PhonePe in the news

Skill required: Insurance Services - Property and Casualty Insurance Designation: Risk Engineering Analyst Qualifications: BTech Years of Experience: 3 to 5 years What would you do? Risk Engineering provides guidance on risk mitigation for multiple disciplines and occupancies. The objective is to enable global property underwriters to make more informed underwriting decisions.The team performs the risk assessment of various commercial and industrial occupancies from a property insurance loss prevention perspective in support of global Account Engineers and Underwriters. The types of risk include large variety of occupancies like commercial and residential real estate, hospitals, hotels, IT parks, shopping and other service-oriented occupancies as well as all industrial manufacturing occupancies, including both light manufacturing (metal works, plastic works etc.) and specialized manufacturing (e.g. steel, pulp and paper, semiconductor, etc.Perform risk assessments of various light to medium hazard Commercial occupancies from a Property Insurance Loss Prevention perspective in support of Global Account Engineers and Underwriters. Such occupancies within the Manufacturing and Non-Manufacturing pillars include but would not be limited to Wholesale Trade, Commercial and Residential Real Estate, Hospitals, Hotels, Light to Medium Manufacturing (metalworkers, plastic workers, Textile Mills, Printing & Publishing, etc) and Retail Stores / Shopping Centres.The risk assessments will be completed by conducting an analysis of submitted values, as well as various construction, protection and occupancy features which would be determined through the receipt of loss prevention survey reports from a variety of sources. The candidate must be able to interpret these reports and be able to translate the information into risk quality ratings and fire/Nat Cat loss estimates following company guidelines and utilizing available tools and utilities What are we looking for? A degreed engineer (B.Tech minimum), preferably within one of the following Engineering disciplines (Chemical, Electrical, Civil or Mechanical). Candidate must be able to work with little direct supervision, reliable and dependableThe candidate ideally should have property insurance account / field engineering experience or relevant industry experience between 2 to 4 years with focus on fire protection knowledge. Recommended experience ranges for various sub levels within Knwoledge of fire protection codes and standards like NFPA is preferred Possess strong Analytical skills & Excellent Interpersonal and communications skills (verbal and written) Candidate must be organized, self-motivated and willing to learn about the concepts of desktop risk assessment, Occupancy, Hazard, Fire protection and Loss estimation. Fire Protection System DesignProperty Loss PeventionRisk Engineering Property & Casualty InsuranceHealth, Safety, Environment (HSE)Process Safety Roles and Responsibilities: Development of Engineering Service Plans Location level Risk Quality ratings for Fire and Nat-Cat (Site Review) by following established rules and guidelinesAccount Review (Light to Medium Hazard occupancies) Flood Loss Estimates for exposed locations using proprietary toolsCreate Fire Loss Estimate profileCapture account loss history and report on loss trends and mitigation strategies Qualification BTech

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: BCom Years of Experience: 0 to 1 years What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? Financial Analysis Accounting & Financial Reporting Standards Ability to work well in a team Ability to perform under pressure Commitment to quality Strong analytical skills Adaptable and flexible Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification BCom

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: BCom Years of Experience: 0 to 1 years What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? Written and verbal communication Microsoft Excel Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification BCom

Project Role : Business Analyst Project Role Description : Analyze an organization and design its processes and systems, assessing the business model and its integration with technology. Assess current state, identify customer requirements, and define the future state and/or business solution. Research, gather and synthesize information. Must have skills : Finastra Fusion Loan IQ Good to have skills : NA Minimum 7.5 year(s) of experience is required Educational Qualification : 15 years full time education Summary :As a Business Analyst, you will analyze an organization and design its processes and systems, assessing the business model and its integration with technology. You will assess the current state, identify customer requirements, and define the future state and/or business solution. Research, gather, and synthesize information to drive business decisions. Roles & Responsibilities: Strong Exposure to Credit Risk, Counterparty Risk, Financial product, Regulatory reporting, Accounting, Back-office processes within Lending Systems. Expected to be an SME, collaborate and manage the team to perform. Responsible for team decisions. Engage with multiple teams and contribute on key decisions. Provide solutions to problems for their immediate team and across multiple teams. Lead requirements gathering sessions with stakeholders. Conduct data analysis to identify trends and insights. Develop business process models and documentation. Facilitate communication between business and technology teams. Professional & Technical Skills: Must To Have Skills: Experience with ACBS v8.0 Servicing application is a MUST Other Lending systems experience such as Loan IQ would be plus. Experience on additional ACBS components such as Datamart, Notifications, APIs, ATS is appreciated Technical experience to be comfortable with data models, hands-on with SQL Additional Information: The candidate should have a minimum of 5 years of experienceas a Business Analyst in Financial Industry A 15 years full-time education is required. Qualification 15 years full time education

ROLE PURPOSE & OBJECTIVE The role is responsible undertaking constant pre-emptive monitoring of micro banking field operations in branches with the objective of early identification of potential operational process lapses, transactional risk, credit risk and reputational risk. The role is accountable for making effective use of data insights and triggers to mitigate potential loss/risks emanating from branch operations. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE NA Although this position will not be directly engaged in underwriting however the risk associated to cluster will come under the purview. Monitor the process of 4-5 branches with portfolio of 150-200 Cr. with 40,000 customers. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Visit center meeting to understand the collection and acquisition process. Visit recent disbursed cases to understand the acquisition and disbursement process. Visit Incremental overdue customers to check the reason for delinquency and to identify the gaps in collection and acquisition process. Visit Non-starter/ quick mortality cases to understand the issues in the cases. Visit NPA cases on a sample basis based on the trigger to check the collection process. Conduct sample Group Loan House visit i.e. around 30-40 customers HV in a month. Conduct HV / GRT certification for the branch staff. Shadow House visit along with branch staff. Shadowing with high DR HV/PD person having DR % more than the benchmark Sample visit of the IL customers after the disbursement. Check end use of sample high ticket size loans under group and individual loan. Verification and investigations to be conducted based on the triggers with high disbursement centers, High NCA Centers, High delinquency centers, centers/staff with sudden increase/decrease in CE, centers of staff in notice period, centers of new staff, centers with high remittance income, centers with high non-MFI loans etc. Post disbursement hindsight verification of Group loan and Individual loan applications / files. Check whether GL & IL files were processed as per policy & processes. Check high rejection (GL) branches to make understand the quality of sourcing. Sample calling to customers based on trigger as per MIS to understand feedback from customer. Check if all the information (income, obligations, occupation, requirement etc.) is properly and accurately captured while assessing the loan for customers. Check for the accuracy of collection of KYC documents, bureau generation, Phone number and geo location of the borrower as per the policy of the bank. Check if the customers have been acquired from the approved areas or non-negative areas. Monitor the disbursement process for GL and IL customers at the branch, check if the disbursement kits are handed over the customers after verifying the KYC of the customers. Ensuring healthy portfolio through regular monitoring of the branches for the adherence of policies and processes. Internal Control Conduct periodic review of adherence to existing credit policies/processes and provide feedback based on field insights & market insights to strengthen the policy & processes and quality customer acquisition. Ensure accuracy with complete details while reporting the critical observations. Highlight the issues / deviations /critical observations in the field & escalate issues to supervisor for initiating necessary action as defined in SOP for Disciplinary Proceedings. Report observations on staff frauds, process lapses, policy lapses and capturing incorrect information as per the process. Share observations and raise in IDM wherever required. Observations should be documented and highlighted to the concerned parties. Report customer related issues like sub lending, loan sharing, commission agents etc. Report on any external factors which shall impact the portfolio quality of the branches. Prepare an action plan for the branches based on the observations on policy, process and portfolio quality. Recommend for actions on policy and staff viz new customer acquisition, branch credit limits, House visit authority to branch staff. High field presence with regular visit to risk branches of assigned cluster, understand the condition & recommend the corrective actions. Find out insurance related issue, bureau dispute and cash misappropriation cases. Check whether employee/staff is certified for PD/HV authority. Cross check for the mandatory supervisory visits with respect to House visits and Center meeting visits have been done. Check if the Receipt book reconciliation / verification has been conducted by business and collection team on a sample basis. Check if the cash collected by branch and collection staff has been deposited at the branch on a sample basis. Check if the PGK kits reconciliation has been done by the operations team as per the process on a sample basis. Review the negative area and to recommend the area as negative based on the findings. Audit Score of the branch is in Excellent Grade to be ensured. Customer Coordinate with Branch team, Credit Team and Operations team. Co-ordination with Audit and Vigilance for Identification, Investigation and Escalation of issues. Ensure timely reporting of the observations and ensure necessary actions. Ensure timely response to any clarifications. Actively participate in audit closure discussions of the branch. Staff and customers to be treated with respect during interaction and investigations. Send all reports/MIS on time to the concerned department. Learning & Performance Provide suggestions, come up with new initiatives and suggestions. This should be shared in the form of report/document. Regular Training of branch team to create awareness and to educate them on the consequences of Policy and process lapses. IIBF certification Fraud management. Training to branch staffs based on the observations on policy and processes. Training them on new process and policies as well. Ensuring visits to branches of other clusters to ensure understanding and learning through experience. Keep updated about the external factors of the geography which is linked with our segment. Improve the observation skills to identify any issues in the field and report critical findings for necessary action Visit competitors to understand the best practices and learnings from their field practices. Ensure adherence to training man-days/ mandatory training programs for self and reporters. Completion of Bi- Annual Certification Test and Training. Ensuring diligent weekly plan & execution in terms of branch visit for self & team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications 10th / 12th or Graduation or post-Graduation Experience (Years and Core Experience Type) Overall minimum 2 years of experience preferably in MFI sector in Sales, Credit, collection, vigilance and risk functions Certifications IIBF certification Fraud management Functional Skills Knowledge of Underwriting of Unsecured loans Knowledge of Documentation and Regulatory requirements Report writing and feedback Knowledge of portfolio parameters Achieve productivity month on month basis Knowledge of Ujjivan loan products Co-ordination with various stake holders of the bank Willingness to travel and visit branches as per criticality Behavioral Skills Good observation skills. Should have eye on details. Ability to Prioritize the work based on the importance / urgency Strong Interpersonal skills, Ability to manage relationships both internally and externally Conflict management by resolving issues amicably Be professional while reporting the observations Respect for privacy of others Pro-activeness and initiative taking Competencies Analytical skill and information management Communication skills fluent in local language and English Knowledge of MFI and banking industry Strong computer skills - Word, Excel, PowerPoint KEY INTERACTIONS INTERNAL EXTERNAL Sales, Vigilance, Audit, Collection and branch banking Competitors, Customers

Credit Analyst / Sr. Credit Analyst Financial Institutions Summary : Seeking a credit analyst to support global rating activities for banks and financial institutions across Europe. The role involves performance tracking, financial modeling, regulatory monitoring, and report drafting. Location : Pune, India Your Future Employer : An esteemed international analytics and research firm specializing in credit ratings and financial analysis for global institutions. Responsibilities : Analyze the creditworthiness of banks and financial institutions, and support ratings preparation. Track financial and operational metrics, create projections, and conduct peer reviews. Prepare internal assessments and contribute to publishable research. Monitor regulatory updates and industry dynamics affecting credit profiles. Build strong relationships with international analysts and stakeholders. Requirements : 1–6 years of experience in credit research or ratings for financial institutions. MBA (Finance) or CA with a strong command of banking concepts and global accounting standards. Excellent analytical, writing, and communication skills. Ability to interpret financial statements and manage multiple stakeholder requests. Strong interpersonal skills with the ability to mentor and support team growth. What is in it for you : Join a globally respected team of credit experts. Work on high-profile financial institution portfolios. Learn from experienced analysts and industry leaders. Opportunity to specialize in the banking and FI sector. Professional growth through continuous learning and client exposure. Reach us – If you feel this opportunity is well aligned with your career progression plans, please feel free to reach out to me with your updated profile at radhika.agrawal@crescendogroup.in Disclaimer – Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Note – We receive a lot of applications on a daily basis, so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Scammers can misuse Crescendo Global’s name for fake job offers. We never ask for money, purchases, or system upgrades. Verify all opportunities at www.crescendo-global.com and report fraud immediately. Stay alert! Profile Keywords : Crescendo Global, Jobs in Pune, Financial Institutions Credit Analyst, Bank Ratings Jobs, CA Jobs in Pune, MBA Finance, Credit Research, Financial Modeling, Credit Rating Analyst, Banking Sector Jobs

Credit Analyst Insurance Sector Summary : Exciting role for a credit analyst to support global rating and research functions for insurance companies operating in North America and Europe. This includes financial analysis, peer benchmarking, and drafting internal reports. Location : Pune, India Your Future Employer : A leading credit analytics and ratings organization focused on delivering high-quality research and data insights to global financial markets. Responsibilities : Support global analysts in tracking the financial performance of insurance companies. Monitor industry and regulatory changes to assess credit impact. Perform financial modeling and peer comparisons for insurance portfolios. Prepare internal notes and contribute to rating and research publications. Ensure adherence to compliance, process documentation, and client expectations. Requirements : 1-3 years of relevant experience in credit analysis or research within the insurance/financial domain. Strong understanding of financial accounting and insurance sector metrics. MBA (Finance) or CA qualification is mandatory. Excellent communication, writing, and interpersonal skills. Ability to multitask, collaborate, and support global stakeholders effectively. What is in it for you : Work in a niche vertical with global exposure. Opportunity to collaborate with global analysts. Deepen domain expertise in insurance sector credit analysis. Structured learning and career progression. Competitive compensation and collaborative culture. Reach us If you feel this opportunity is well aligned with your career progression plans, please feel free to reach out to me with your updated profile at radhika.agrawal@crescendogroup.in Disclaimer Crescendo Global is specializes in Senior to C-level niche recruitment. We are passionate about empowering job seekers and employers with an engaging memorable job search and leadership hiring experience. Crescendo Global does not discriminate on the basis of race, religion, color, origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Note – We receive a lot of applications on a daily basis, so it becomes a bit difficult for us to get back to each candidate. Please assume that your profile has not been shortlisted in case you don't hear back from us in 1 week. Your patience is highly appreciated. Scammers can misuse Crescendo Global’s name for fake job offers. We never ask for money, purchases, or system upgrades. Verify all opportunities at www.crescendo-global.com and report fraud immediately. Stay alert! Profile Keywords : Crescendo Global, Jobs in Pune, Credit Analyst Jobs, Insurance Credit Research, CA Jobs, MBA Finance Jobs, Global Credit Ratings, Financial Statement Analysis, Insurance Sector Jobs, Credit Risk Jobs

Job Summary: Support Finance and Risk practice in delivering Risk and Compliance strategy and solutions across geographies. Advise financial and non-financial Institutions across risk management areas such as risk strategy, transformation programs, enterprise risk, portfolio management, capability maturity assessments, fraud and financial crime risk compliance. Partner with global deal teams in selling, shaping and solution development of client deals by providing subject matter expertise on risk related topics. Shape thought capital around current and emerging risk management topics and contribute to development of company points-of-view on risk trends and issues. Support practice development through various activities such as staffing, quality management, capability development and knowledge management. Build strong relationships with global Risk Management teams, and develop existing relationships based on mutual benefit and synergies. Roles & Responsibilities: Ability to lead the design and delivery of strategy, business case analysis, transformation programs, technology enablement, with respect to enterprise risk, portfolio management, capability maturity assessments, and fraud & financial crime risk compliance programs Ability to build sales pipeline through business development and proposals Strong business acumen and knowledge of risk management process Ability to solve complex business problems and deliver client delight Strong writing skills to build point of views on current industry trends Good analytical and problem-solving skills with an aptitude to learn quickly Excellent communication, interpersonal and presentation skills Cross-cultural competence with an ability to thrive in a dynamic consulting environment

Role & responsibilities Work Areas - As part of the Credit Portfolio Risk Analytics (CPRA) Wholesale team the candidate would be working on: 1. Develop statistical PD models to accurately capture inherent credit risk in underwriting and track model performance on an ongoing basis 2. Estimate risk parameters such as PD, LGD and CCF to be used for Banks risk management and reporting purposes 3. Develop Risk Dashboard covering various dimensions to monitor the portfolio, conduct industry analysis and outlook assessment 4. Designing of new early warning triggers by tapping various internal/external sources, rollout of various MIS pertaining to internal ratings 5. Regulatory reporting as per Basel capital computation standards (Standardized and Advanced IRB approach), provisioning computations as per IndAS, IFRS and CECL guidelines ensuring SOX compliance 6. Develop advanced analytics models making use of machine learning for predicting credit risk 7. Conduct Stress testing on the Banks portfolio under various scenarios i.e. Concentration, Climate risk etc. 8. Conduct detailed product analysis and outlook assessment for risk management using various data sources both internal and external such as Bureau etc. 9. Maintenance and revision of various credit risk and regulatory policies 10. Presentation and review with senior management Qualification - 2 years full time Post-graduate degree (preferably in Statistics or an MBA or Economics degree with a strong quantitative underpinning)

Review and Analysis of historical loan data to understand the pattern from default point of view Apply statistical tool to analyze the pattern and come with detailed assessment Review and Prepare risk dashboard for management which shows all important risk parameters Develop rating model/scorecard for various retail and corporate loans based on historical data Testing of scorecard/model on a regular basis and update Coordinate with various stakeholder for the rating model implementation Prepare and maintain database of loan product from risk assessment point of view Ensure data is correctly captured in the system and coordinate with different team to fix the issue Coordinate with IT team for the automation of credit approval process Review and Preparation of regular credit risk reports for Board meeting and other management committee meeting consumption Manage a small team to monitor the performance of the asset portfolio

This position is for Software Developer in Credit Risk Domain, The ideal candidate will have a strong understanding of .NET technologies and a passion for building high-quality software. In this role, you will be responsible for designing, developing, and maintaining software applications using .NET MVC, .NET Core, and SQL Server. Responsibilities: Design, develop, and maintain software applications using .NET MVC, .NET Core, and SQL Server. Write clean, we'll-documented, and maintainable code. Participate in all phases of the software development lifecycle, from requirements gathering to deployment. Troubleshoot and debug software issues. Work with other developers, product managers, and stakeholders to deliver innovative solutions. Stay up-to-date on the latest .NET technologies and best practices. Qualifications: 6+ years of experience in .NET development Strong understanding of .NET MVC, .NET Core, and SQL Server Experience with Angular is a plus Experience with Vendor Products, Oracle, and PostgreSQL is a plus Excellent problem-solving and debugging skills Strong communication and collaboration skills

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)

Role & responsibilities Maintaining operational and credit risk controls over sanctioned and disbursed portfolio by effectively applying monitoring tools. Monitoring portfolio to assess delinquency trends across various locations, profiles, programs, products, other parameters. Analyzing trends regularly to understand overall portfolio behaviour and also reasons for defaults by individual customers/ segments and accordingly suggesting appropriate modifications in policy, programs etc. based on trends observed. Competition benchmarking (peers and industry level) and tracking portfolio trends which will help in improving product and policy framework. Maintaining, enhancing and managing the Early Warning System (EWS) mechanism. Designing and developing various portfolio decks for the monitoring of portfolio delinquency, repayment and outstanding segment wise, disbursements and sanctions across various critical parameters and demography. Deriving and highlighting analytical insights from the portfolio monitoring to senior management and stakeholders in order to augment policy decisions across various parameters like demography, customer segments, industry, etc. Planning, developing and executing reporting activities that would help in managing the credit perspective through various analytical approaches Preparing review notes and presentations for senior stakeholders Handling internal and regulatory audit which includes circulating and highlighting summary findings to senior management Coordinating with various internal stakeholders for arranging data availability for effective review and monitoring purposes Hind-sighting of credit policy implementation Training to front-line team Portfolio house- keeping Complaint management /resolution providing to ground team related to all program and guidelines Business development and lifecycle management of RMs including driving knowledge management & KPI driving for SME segment teams Preferred candidate profile

Job Title Senior Manager - Enterprise Risk Management (ERM) Location Noida Reporting ToHead of Enterprise Risk Management About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases. Paytm provides consumers with services like utility payments and money transfers. To merchants, Paytm offers acquiring devices like Soundbox, EDC, QR, and Payment Gateway where payment aggregation is done through PA and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and the Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans, and business loans, sourced by its financial partners. About the teamPrimary responsibilities of Enterprise Risk function includes setting up of Risk governance structure at Paytm and its subsidiaries, support in development of enterprise wide risk management framework with respect to identification, prevention, monitoring, resolution, and advisory to management on existing & emerging risks and is part of the Business Assurance function at Paytm. We offer competitive compensation, opportunities for professional growth, and a dynamic work environment. About the role Senior Manager - Enterprise Risk Management will play a crucial role in strengthening and embedding a robust ERM framework across Paytm and its subsidiaries. This individual will be responsible for identifying, assessing, monitoring, and reporting on various risks faced by the organization, with a strong focus on financial, operational, strategic, compliance, technological, environment & social, reputational risks inherent to the fintech sector. This role requires a proactive approach, strong analytical skills, proficient communication skills and the ability to collaborate effectively with diverse business units & functional heads to foster a strong risk-aware culture. Key Responsibilities: Risk Identification & Assessment Facilitate and lead risk identification workshops and discussions with various business units (e.g., Product, Technology, Operations, Marketing, Sales, Finance, Legal). Develop and maintain comprehensive risk registers, ensuring accurate categorization, description, and impact assessment of identified risks. Conduct regular risk assessments (qualitative and quantitative) of new products, services, processes, and technologies to identify potential vulnerabilities. Stay abreast of emerging risks in the FinTech space, including evolving cyber threats, data privacy concerns, regulatory changes (e.g., RBI guidelines, SEBI regulations, IRDAI etc), and market dynamics. Risk Monitoring & Reporting Develop and implement Key Risk Indicators (KRIs) to monitor the effectiveness of risk controls and track risk exposure. Prepare periodic risk reports, dashboards, and presentations for senior management, the Risk Management Committee, and the Board, providing clear insights into the company's risk profile and control effectiveness. Track the status of risk mitigation plans and ensure timely closure of identified risk issues. Framework Enhancement & Implementation Support the continuous improvement and enhancement of the company's ERM framework, policies, procedures, and methodologies, aligning with industry best practices and regulatory requirements (e.g., RBI guidelines for payment systems, NBFCs, etc.). Assist in the implementation of risk management tools and systems to streamline risk processes and improve data analytics capabilities. Collaborate with internal audit, compliance, information security teams and others to ensure integrated risk management. Risk Culture & Training: Promote a strong risk-aware culture across the organization by providing training and awareness sessions to business units on risk management principles and their roles and responsibilities. Act as a go-to person for risk-related queries and provide expert advice to business stakeholders. Stakeholder Management: Build and maintain strong relationships with internal stakeholders across all levels and functions. Collaborate effectively with external auditors and consultants as required. EducationA Master’s degree or professional certification (e.g., CA, CS, CFA, FRM, MBA) is preferred. Superpowers/ Skills that will help you succeed in this role 6-10 years of experience in Enterprise Risk Management, Operational Risk, or a related risk function, with at least 3-4 years specifically in a FinTech company, banking, or payments industry in India. Strong understanding of the Indian regulatory landscape pertaining to FinTech (e.g., RBI Master Directions on IT, Cyber Security Framework, PSS Act, DPDP Act, KYC/AML norms). Demonstrated experience in developing and implementing risk assessment methodologies, risk registers, KRIs, and risk reporting as per COSO/ISO 31000. Familiarity with various risk types encountered in FinTech (e.g., credit risk, market risk, operational risk, technology risk, cyber security risk, fraud risk, compliance risk, third-party risk). Proficiency in MS Office Suite, especially Excel and PowerPoint. Experience with GRC (Governance, Risk, and Compliance) software is a plus.