1409 Credit Risk Jobs - Page 9

ROLEPURPOSE & OBJECTIVE Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines. Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers. Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures. ProvideMarket intelligence from a competition and customer stand point Recommendationson new processes & fraud Control initiative etc ManageCredit Officers team NON-FINANCIALSIZE Manageentire Area underwriting teams Handlingportfolio from 50 Cr to 200 Cr Supervisingthe monthly disbursement of 60-150 files from the assigned area EfficientTAT management by credit team Ensureto strengthen area credit team to include more responsibilities Tomanage direct and indirect team of close to 4-10 people. Involvein process reengineering, Audits, Policy change discussions etc. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business EnsureCredit policy and process adherence in the Cluster. Co-ordinatewith Legal & Technical Agencies. Guide/MonitorCredit Officers of the cluster. Ensuretimely training to branches in the cluster. SuggestPolicy revisions in line with changing market conditions. Customer Expertknowledge of customer segments in various markets of India andtheir performance histories. Expertknowledge of negative profiles, negative property types andnegative property locations Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage Knowledgeof property valuation process through vendors and knowledge &keen interestin monitoring current property price / historical propertyprices. Meetappropriate customers for understanding of their needs Conductunderwriting for cases under purview Pickup EWS for the set of clients in his area Maintainportfolio quality of the Cluster as per company norms. Monitoringand tracking of HL Loan cases. Maintainvarious standard MIS for HL Loan. Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies. InternalProcess AppropriateIntervention to manage ground level risk effectively. Ensureadherence to RBI regulations on documentation and KYC compliance. LUCand periodic loan monitoring framework ProvideAudit Compliance. Timelyhiring of Credit Officer for the Cluster as per the budget Learning& Performance Maintainup to date knowledge of HL and other related products. Upgradeself and team about changes happening in the market. Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives Ensureon time appraisal and suggest suitable career paths for staff Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Qualifications Graduateor Post graduate (preferred MBA) from a reputed college. Experience(Yearsand Core Experience Type) Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products. Teamhandling is a must. FunctionalSkills Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts BusinessAnalysis Skills CommunicationSkills. BehavioralSkills TeamManagement Skills Leadership Possessesgood interpersonal skills. Location - Bengaluru,Kalburagi,Hyderabad,Tambaram,Vijayawada

We are looking for a highly skilled and experienced Branch Credit Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 14 years of experience in the BFSI industry, with a strong background in credit management and emerging enterprise banking. Roles and Responsibility Manage and oversee the credit function of the branch, ensuring compliance with regulatory requirements and internal policies. Develop and implement effective credit strategies to drive business growth and profitability. Build and maintain relationships with key stakeholders, including customers, partners, and internal teams. Conduct thorough credit assessments and risk analyses to identify potential risks and opportunities. Collaborate with cross-functional teams to develop and deliver tailored credit solutions for clients. Monitor and report on credit performance metrics, providing insights and recommendations for improvement. Job Requirements Strong knowledge of credit management principles, practices, and regulations. Proven experience in managing credit portfolios and driving business growth through strategic planning. Excellent communication, interpersonal, and analytical skills. Ability to work effectively in a fast-paced environment with multiple priorities and deadlines. Strong understanding of financial markets, instruments, and technologies. Experience working with emerging enterprise banking products and services is an added advantage.

We are looking for a highly skilled and experienced Field Risk Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably with a background in risk management. Roles and Responsibility Conduct thorough analysis of customer data to identify potential risks and develop strategies to mitigate them. Collaborate with cross-functional teams to implement effective risk management plans. Monitor and report on key performance indicators (KPIs) related to risk management. Develop and maintain relationships with customers and stakeholders to ensure compliance with regulatory requirements. Identify and assess new business opportunities to drive growth and revenue. Provide expert guidance on risk management best practices to internal teams. Job Requirements Strong understanding of risk management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills. Experience working with financial institutions or similar industries is preferred. Familiarity with regulatory requirements and industry standards is an asset. Location - Risk Containment Unit,North,Rajasthan,Rajasthan,Jaipur,Jaipur,Rajasthan,16049,Kotputli

We are looking for a highly motivated and experienced Business Development Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in liabilities, branch banking, or business development. Roles and Responsibility Develop and implement effective business strategies to achieve sales targets. Build and maintain strong relationships with clients and stakeholders. Identify new business opportunities and expand existing customer relationships. Collaborate with cross-functional teams to drive business growth. Analyze market trends and competitor activity to stay ahead in the industry. Provide excellent customer service and support to ensure high levels of customer satisfaction. Job Requirements Strong understanding of BFSI industry dynamics and regulations. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience in managing multiple priorities and projects simultaneously. Strong leadership and team management skills.

We are looking for a skilled professional with 7 to 20 years of experience to join our team as an Area Credit Manager in the Emerging Enterprise Banking sector. The ideal candidate will have a strong background in credit management and a proven track record of success in managing teams. Roles and Responsibility Manage and oversee the credit function within the bank's emerging enterprise banking segment. Develop and implement effective credit strategies to drive business growth. Lead and manage a team of credit professionals to achieve business objectives. Analyze market trends and competitor activity to identify opportunities and threats. Build and maintain relationships with key stakeholders, including customers and partners. Monitor and control credit risk to ensure compliance with regulatory requirements. Job Requirements Minimum 7 years of experience in credit management or a related field. Strong knowledge of credit principles, practices, and regulations. Excellent leadership and management skills, with the ability to motivate and inspire teams. Strong analytical and problem-solving skills, with the ability to interpret complex data sets. Effective communication and interpersonal skills, enabling strong relationship building with stakeholders. Ability to work in a fast-paced environment and adapt to changing priorities.

We are looking for a highly skilled and experienced Field Risk Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-3 years of experience in the BFSI industry, preferably with a background in risk management. Roles and Responsibility Conduct thorough analysis of customer data to identify potential risks and develop strategies to mitigate them. Collaborate with cross-functional teams to implement effective risk management plans. Monitor and report on key performance indicators (KPIs) related to risk management. Develop and maintain relationships with customers and stakeholders to ensure compliance with regulatory requirements. Identify and assess new business opportunities to drive growth and revenue. Provide expert guidance on risk management best practices to internal teams. Job Requirements Strong understanding of risk management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Effective communication and interpersonal skills. Strong attention to detail and ability to maintain accurate records. Experience working with financial institutions or similar industries is preferred.

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. 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

About Retail Portfolio Management Group The RPMG department focuses on the collections for lending business of the bank including Retail, Rural and Agri and SME Businesses among others. They also provide recovery resolutions for working capital loans and Business loans for Small Businesses and is also responsible for the receivables/collections business of the bank. About the Role The Compliance and Risk Officer (CARO) Team is responsible for ensuring the risk and compliance culture within the Retail Portfolio Management Group. Role of CARO function involves taking steps and corrective actions, wherever required, so that the processes within the department are compliant with the regulatory guidelines. Also, CARO team ensures mitigation of potential risks associated with the functions of the department through effective controls. Any gaps in processes or controls are identified and addressed by CARO either by strengthening existing controls or by designing new ones. In addition to this, CARO is also responsible for formulating management action plan (MAP) for internal audit observations, Risk Assessment Review reports resulting from RBI audit, ensuring housekeeping parameters such as review/ renewals, internal rating, EWS and RFA triggers, pending security creation, etc. are within the minimum thresholds, providing regular updates to Senior Management on status of implementation of Risk Mitigation Plan advised by RBI, sharing any new or changes in regulatory guidelines with all members of the department and ensuring facilitation of Compliance testing and RAR sustenance testing by Compliance department. For all the above function CARO team is required to coordinate across cross-functional departments such as Operational Risk, Compliance, Credit Risk, CBO, IAD and F & A. Key Responsibilities Respond to RBI queries during annual RBS audit. Co-ordinate for all the activities related to Risk Based Supervision / other regulatory inspections including the submission of data / documents and represent the department for all the queries raised during the RBI inspections. Formulate responses to RAR observations from RBI in coordination with various Business Segments and Credit Underwriting. Keep abreast with the regulatory changes and ensure dissemination and Implementation of regulations / amendments / actionable/ compliance communication in line with the milestones committed and within the timelines prescribed by regulators / internal timelines. Supervise activities of CARO team members which includes various financial reporting. monitoring of Key Risk Indicators and Key Compliance Indicators, assessment of all Risks and associated control, timely and vetted response of regulatory/ statutory correspondence to Compliance Department for onward submission, facilitation of Operational Risk and Financial Risk walkthrough, Remediation of operational risk issues and control gaps, responses to audit observations. Design new processes/ controls to address gaps highlighted by Operational Risk after risk assessment exercise and IAD after audit review. Review of Policies pertaining to Retail Lending and Collections in alignment with the regulatory guidelines Monitoring the Compliance Risk / Operational risk dashboards / risk movements of assessment units and flagging of the concerns to Head of the Department. Monitor parameters such as review/ renewals, internal rating, EWS and RFA triggers, pending security creation, etc. and ensure they are done within due dates so that the overdue cases are within the minimum thresholds, Provide regular updates to Segment Heads and Senior Management on status of implementation of Risk Mitigation Plan advised by RBI through weekly dashboards and bi-monthly RMP meeting with all Department Heads and MANCOM members. Preferred candidate profile Optimal qualification for success on the job is: Education (CA / MBA from Tier 1 Institute) Experience (~12-15 yrs in Banks Retail Credit, Collections, Compliance or Internal Audit for Retail Lending, Risk ) Role Proficiencies: In-depth knowledge of key drivers and indicators in the relevant sectors A solid understanding of financial statements, ratios Understanding of compliance, regulatory norms and operating procedures Good relationship management and strong communication and presentation skill

This is an Internal document. Role- Credit Risk and Policy Manager Job Purpose: To design, implement, and manage credit risk policies and strategies that ensure healthy portfolio performance, mitigate default risk, and support business growth. This role involves credit underwriting frameworks, portfolio analytics, risk appetite definition, and policy governance. Key Responsibilities: Credit Policy & Frameworks: Develop and regularly update credit risk policies, product programs, and underwriting guidelines for various customer segments (retail, SME, corporate, etc.). Define risk acceptance criteria based on internal data and market intelligence. Collaborate with business, operations, legal, and compliance teams to implement and operationalize credit policies. Risk Assessment & Monitoring: Analyze credit risk across new and existing products and segments. Establish early warning signals (EWS) and monitoring frameworks to track portfolio health. Design scorecards, segmentations, and risk models in collaboration with analytics and data science teams. Portfolio Management: Track key credit metrics such as delinquency, NPAs, write-offs, LGDs, and PDs. Recommend changes in credit strategies or policy thresholds based on portfolio trends. Benchmark internal performance with industry standards. Regulatory & Compliance: Ensure policies align with regulatory guidelines (RBI, Basel norms, etc.). Prepare risk-related reports and documentation for audits and regulatory reviews. Stakeholder Management: Work closely with credit, collections, risk analytics, legal, and technology teams. This is an Internal document. Provide training and guidance on credit policies to credit and sales teams. Qualifications & Experience: Bachelors degree in Finance, Economics, Statistics, or related field (MBA/CA/CFA preferred). 410 years of experience in credit risk, policy formulation, or credit underwriting (depending on seniority). Strong understanding of lending products (personal loans, SME, mortgages, BNPL, etc.). Experience with data analysis, credit scoring, and risk modeling is a plus. Skills & Competencies: Analytical thinking with sound risk judgment. Strong knowledge of credit lifecycle and portfolio management. Proficient in Excel, SQL, and/or data visualization tools (Power BI/Tableau). Excellent communication and stakeholder management skills.

KMBL Support Services-Real Estate Valuation Team Member GradeM3/M4 | LocationMumbai | Job Code94940 Analyzing the real estate securities being offered for lending in terms of the potential risks, advantages / disadvantages. Auditing of external vendor valuation reports and maintaining quality of external vendor reports. Monitoring / Ratifying Project valuations (both bank internal and external vendors) Monitoring credit risks in terms of the banks real estate portfolio. Providing professional technical support to the various verticals of the bank. Undertaking independent valuation work. BE Civil or Architect, with 10 to 15 years of experience in real estate valuations (within reputed private valuation firms or banks or nbfcs) Well versed with valuation methodologies. Acquainted with the real estate market regulatory norms and developments. Acquainted with technical due diligence of under construction projects. Spent twelve months (applicant for same grade role)/eighteen months (applicant for next grade role) in the same division function role. Applications can be made for roles in same level or one level above. KMBL Employees Click Hereto apply. Step 1 Remove the default location. Step 2 Enter the Job Code and Search For other Kotak Group Companies If you wish to apply for this position, please send in your application to jayna.jhaveri@kotak.com

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. 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

JD For Credit Manager Loan Underwriting Handling secured, unsecured and working capital and LAP Evaluate and process end to end Loan applications within agreed TAT timelines. Timely clearance of open audit queries, quality control checks Timely completion of Vendor Management related activities Providing support to Business Plan through quick turnaround of New and Existing proposals and work with team to optimize returns while remaining within Risk Appetite Conducting stock audits as per the Stock audit plan through empanelled vendors. Analyzing/ Reviewing the reports received and highlighting the observations to the Management and taking necessary action. Handling different MISs of Portfolio. Monitoring churning and overdue in accounts. Processing bills of empaneled vendors for service rendered. Coordinating with empaneled vendors and resolving issues (if any). Coordinating with Business team, Credit teams, etc as per the requirement. Other related activities. 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

Credit Manager The key responsibilities of the role will be as follows: Assessment of credit worthiness of potential customers. Structuring & customizing the products to suit the customers requirements keeping in mind the risk profile, cash flows and security. Work closely with the Business Team to understand the business of the customer, transaction structure, collateral and terms. Preparation of detailed proposal including projections and scenarios. Ability to develop own financial models and do cashflow assessment Presenting the proposals while highlighting risks and mitigants to Approving authorities Responsible for the end to end monitoring of the portfolio Candidate Profile Preferably 6-8 years of experience in Banks / NBFCs in a Credit role preferably in structured finance or large corporate Good analytical & managerial skills. Good Communication and proposal writing Skills.

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

What is K-CAP It is a stepping-stone into a coveted career in Credit business. You will build depth in one area as well as get a 360-degree view of the Credit function. What roles can I do as a K-CAP Preparation of Credit Appraisal notes for Large Corporates/MNCs/ SME clients Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtaining information for preparation of Credit Notes Monitor the accounts based on the terms stipulated by Sanctioning Authority Prepare Monthly Monitoring Reports for the portfolio Escalate with action plan for non-compliances Visit the units and submit inspection reports Manage and address any escalations related to risk assessments Am I eligible for K-CAPYES, if, You have a passion for credit analysis You are a 2020-2021 batch pass out of CA / Tier II MBA College / MSC / MCom Logical thinking and data interpretation e.g ability to comprehend trends like inflation impact on interest rates / fx Basic accounting and financial statement understanding Good verbal, written communication & presentation skills Which location will I be placed in All roles are based out of Mumbai, Bangalore, Chennai, Hyderabad, Ahmedabad, Delhi, Jaipur, Chandigarh, Ludhiana, Kolkata, Indore, Rajkot, Pune and Baroda How will I be trained Thorough training in credit analysis Job shadowing with senior credit analyst How will K-CAP help build my career Become an expert in your role Rotate within Credit business Branch out into RM roles in Corporate, Wealth, Consumer or Commercial Banking Roles in the Kotak Group like in KMIL, Investment Banking & etc. What are the rewards Compensation at par with best in Industry How do I apply https://hcbt.fa.em2.oraclecloud.com/hcmUI/CandidateExperience/en/sites/CX/requisitionskeyword=62403&mode=location

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

The key responsibilities of the role will be as follows: The role provides an opportunity to work with promoters in the structured finance sector Client facing end to end deal lead business & deal analysis, structuring, drafting term sheets, negotiations Working with credit teams for efficient drafting of credit memos and taking ownership of driving the credit approval process. Working with Service team in execution and disbursement Interacting with various internal and external stakeholders for the successful closure of the deal Job Requirements: Preferably MBAFinance / CAwith 5-10 years of relevant experience Good communication and presentation skills. Analytical and Problem Solving

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships VP Position Grade M4/M5 Preparation of Credit Appraisal notes for MNC clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

This is a Public document. for a Credit Card Transaction Monitoring Manager Reports toCREDIT CARD POLICY HEAD LocationMUMBAI Job Summary: We are seeking an experienced Credit Card Transaction Monitoring individual (M5-AVP) to join our Credit Risk Management team. The successful candidate will be responsible for monitoring credit card transactions data, identifying potential fraud or high risk transactions with higher bad rates, and implementing rules to prevent such transactions and reduce future financial losses coming from them. This role requires a blend of analytical skills, attention to detail, and knowledge of fraud detection technologies and methodologies. The ideal candidate will have experience in data analysis, risk analytics, and fraud prevention. They should be proficient in SAS, SQL, and Python for data querying and analysis, and have a strong understanding of fraud risk management in the financial services industry Key Responsibilities: Monitoring TransactionsResponsible for overseeing credit card transactions to detect and prevent fraudulent activities, high risk transactions on various MCCs such as rental, wallets, fuels etc. this includes analysing transaction patterns and identifying any suspicious behaviour. Rule CreationPart of the job would involve creating and implementing rules within the FALCON system to help identify and stop such transactions. Test and refine rules to ensure accuracy and effectiveness. This requires a deep understanding of fraud trends and the ability to translate this knowledge into effective fraud prevention strategies. Identifying customers who are making non retail transactions and using credit card funds for other than specified retail purposes and building rules to stop or reduce transactions on them by blocking those MIDs, initiating blocking of credit card accounts and credit limit reduction. Using FICO Falcon Fraud ManagerYou would likely be using FICOs Falcon Fraud Manager, which is a leading solution for real-time transaction protection across various channels. CollaborationThe role may require collaboration with business and financial users to define, test, and deploy these rules based on the organizations requirements and strategies Creating and maintaining reports for tracking fraud trends and the performance of fraud prevention strategies. Querying operational databases and data warehouses using SQL and other tools to extract data for analysis. Staying up-to-date on current fraud best practices and emerging threats. This is a Public document. Requirements: 5+ years of experience in credit card transaction monitoring or related field 2+ years of experience in a mid-leadership role. Strong knowledge of Falcon or similar fraud detection systems Excellent analytical and problem-solving skills Effective communication and leadership skills Ability to work in a fast-paced environment Experience with machine learning or data science Certification in fraud prevention or related field will be an added advantage

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

Role Name: Department Wholesale Banking Credit Location Mumbai Number of Positions 1 Reporting Relationships Credit Manager Position Grade M4/M5 Preparation of Credit Appraisal notes for SME clients. Discuss with business on Terms and Conditions for risk assessments Discuss with customers for obtention of information for preparation of CRANs. Monitor the accounts based on the terms stipulated by Sanctioning Authority. Prepare Monthly/Quarterly Monitoring Reports for the portfolio. Escalate with action plan for non-compliances. Visit the units and submit inspection reports. Manage and address any escalations related to risk assessments Job Requirements: Experience required for the Job3-6 years in Credit Underwriting for Large Corporates. Experience in Pharma sector credit analysis would be preferred (not mandatory). CA / MBA Good verbal, written communication & presentation skills.

We are looking for a skilled PL/SQL Developer with strong experience in developing and optimizing database solutions in the banking domain. The role involves working closely with business analysts and application teams to design, develop, and support critical financial applications. Key Responsibilities: Design, develop, and maintain complex PL/SQL scripts, stored procedures, packages, functions, and triggers Optimize existing queries and perform performance tuning for large-volume banking applications Collaborate with functional teams to understand data requirements and convert them into efficient SQL logic Implement data validation, cleansing, and reconciliation routines Ensure data integrity, accuracy, and security in line with banking regulations Support ETL jobs and scheduled batch processes Participate in code reviews and ensure adherence to development and security standards Prepare technical documentation and support SIT/UAT activities Required Skills: 4–7 years of strong hands-on experience in PL/SQL development Sound understanding of Oracle database architecture and tuning techniques Experience with performance tuning, query optimization, and handling large datasets Familiarity with Unix/Linux shell scripting and job scheduling tools Knowledge of SDLC and version control tools (Git, SVN) Preferred Banking Domain Knowledge: Corporate/Retail Banking data flows Loan Management / Credit Risk / Payments Familiarity with core banking systems or MIS/BI layer integration Good to Have: Exposure to Agile or Waterfall project environments Experience working in onshore-offshore models Understanding of data warehousing concepts

As a Risk Platform Developer, your primary responsibility is to develop a comprehensive understanding of business requirements related to market and credit risk calculations for integration into the strategic risk platform. You will engage with key stakeholders to gather and document these requirements effectively. Collaborating with business representatives and product leads, you will work towards devising optimal system solutions that align with the identified business needs. Enhancing data visualization, dashboard, and reporting capabilities will also be a crucial part of your role. Furthermore, you will play a pivotal role in prioritizing and breaking down system deliverables across various applications constituting the strategic risk analytical platform. Your expertise will be instrumental in guiding development teams by articulating business objectives and requirements, aiding in decision-making processes related to implementation specifics. To excel in this role, you should possess a strong grasp of concepts such as VaR, Value at Risk, ES, Expected Shortfall, derivatives pricing, and financial products. A profound understanding of market and counterparty risk processes, methodologies, and regulatory frameworks is essential. Your skill set should include proficiency in business analysis, problem-solving, effective communication, and presentation. Additionally, familiarity with software development lifecycle methodologies, particularly waterfall and Agile, is advantageous. Moreover, you must have experience in data analysis, database utilization, and data modeling. Proficiency in SQL, Python, Pyspark, or similar tools for data analysis and drill-down capabilities is mandatory. Prior leadership experience within a team and knowledge of product management, backlog creation, roadmap execution, and team leadership are highly beneficial in this role.,

Embark on a transformative journey as an ICAAP and CCR Stress testing professional at Barclays. You will spearhead the evolution of the digital landscape, driving innovation and excellence by harnessing cutting-edge technology to revolutionize digital offerings, ensuring unparalleled customer experiences. As an ICAAP and CCR Stress testing role holder, you will work independently and as part of a team to provide expert analysis and commentary on the bank's wholesale credit and counterparty credit risk profile, and internal capital assessment. This exciting opportunity involves collaborating with Treasury and Capital Management, Trading, and Banking teams to understand risk on wholesale credit risk (WCR), derivative, and financing transactions. To be successful in this role, you should have a strong track record in risk management, a detailed understanding of CCR and WCR models (EEPE, PFE, RWA, LGD, EAD, and Economic Capital), and capital calculations. Additionally, detailed knowledge of Financial Markets, Wholesale Credit and Derivative Products, strong analytical skills with high attention to detail, experience in dealing with large and complex data structures, and stress testing methodologies are essential. Highly valued skills may include related professional qualifications (e.g., FRM, CFA, CQF), a Bachelor's degree in Finance, Engineering, or a Mathematical/Quantitative related field, regulatory knowledge (CRR, PRA, EBA), and knowledge of econometrics methods used in risk modeling. The job location for this role is Mumbai. **Purpose of the Role:** To assess the capital requirements of the bank's credit portfolio under various economic and risk scenarios, design and execute stress testing exercises to measure the potential impact of adverse events on the bank's credit losses, risk-weighted assets, and capital adequacy. **Accountabilities:** - Development and maintenance of stress testing models and methodologies for different credit portfolio segments. - Designing and execution of stress testing scenarios incorporating diverse macroeconomic factors, industry trends, and portfolio-specific risks. - Analysis of the efficiency of capital allocation across different business lines and products. - Analysis and interpretation of stress test results, including forecasting expected credit losses, risk-weighted assets, and capital needs. - Management and analysis of large datasets relevant to credit risk and stress testing. **Assistant Vice President Expectations:** To advise and influence decision-making, contribute to policy development, and take responsibility for operational effectiveness. Collaborate closely with other functions/business divisions. Lead a team performing complex tasks, using well-developed professional knowledge and skills to deliver work that impacts the entire business function. Set objectives, coach employees, and appraise performance relative to objectives, determining reward outcomes. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviors to create an environment for colleagues to thrive and deliver to a consistently excellent standard. For individual contributors, they will lead collaborative assignments, guide team members, identify new directions for assignments or projects, and consult on complex issues. All colleagues are expected to demonstrate Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship, as well as the Barclays Mindset of Empower, Challenge, and Drive.,

Responsible for Independent Model validation & performance monitoring. Evaluating model assumptions & data integrity, testing model numerical, statistical, performing outcomes analysis & reviewing model governance & control process. Required Candidate profile 4+ years of experience in statistical or mathematical role with advanced experience in financial modeling in Commercial Real Estate Advanced Excel skills and experience in basic SQL query writing