12 Credit Scoring Jobs

Role: Business Analyst Exp-5-10 yrs Notice Period: 0-30 Days Location: Gurugram Domain Knowledge :- C&IB Client Onboarding, Risk and Credit scoring, Lending, AML, and KYC. Skills :- Strong communication skills (English) and documentation Roles and Responsibilities Conduct client onboarding process, including KYC verification and AML checks. Perform credit risk assessment through credit scoring and underwriting. Manage loan origination, processing, and disbursement activities. Ensure compliance with LOS (Loan Operations System) policies and procedures. Collaborate with cross-functional teams for seamless integration of new products/services. Desired Candidate Profile 5-10 years of experience in Business Analysis or related field. Strong understanding of lending processes, including credit risk management, credit scoring, and anti-money laundering regulations. Bachelor's degree in Any Specialization (B.Tech/B.E.).

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis to assess customer creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, including credit scoring and risk assessment. Excellent analytical and problem-solving skills, with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build relationships. Proficiency in financial modeling and data analysis tools. Experience working in the BFSI industry, preferably in a similar role.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry, with expertise in credit operations. Roles and Responsibility Manage and process loan applications according to company policies and procedures. Conduct thorough credit analysis and risk assessments to determine client creditworthiness. Develop and maintain relationships with existing clients to ensure timely payments and resolve any issues that may arise. Collaborate with internal teams to identify new business opportunities and grow the bank's customer base. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to mitigate risks. Ensure compliance with regulatory requirements and industry standards in all credit-related activities. Job Requirements Strong knowledge of credit operations, including credit scoring, underwriting, and risk assessment. Excellent communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Proficiency in Microsoft Office and other banking software applications. Ability to work in a fast-paced environment, meeting deadlines and achieving targets. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience working in a similar role within the BFSI industry is preferred.

We are looking for a highly skilled and experienced Credit Analyst to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-2 years of experience in the BFSI industry. Roles and Responsibility Analyze credit data to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs. Conduct thorough credit risk assessments and provide recommendations. Collaborate with cross-functional teams to develop and implement credit policies. Monitor and report on credit portfolio performance metrics. Stay up-to-date with industry trends and regulatory changes affecting credit analysis. Job Requirements Strong understanding of credit principles, including credit scoring and risk modeling. Excellent analytical and problem-solving skills with attention to detail. Ability to work effectively in a fast-paced environment and meet deadlines. Strong communication and interpersonal skills, with the ability to build rapport with clients. Proficiency in credit management software and Microsoft Office applications. Ability to think critically and make sound decisions under pressure.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2-7 years of experience in the BFSI industry, with expertise in credit analysis and risk management. Roles and Responsibility Conduct thorough credit analysis and assessments to determine client creditworthiness. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to identify and mitigate potential credit risks. Monitor and manage credit portfolios to ensure compliance with regulatory requirements. Provide expert guidance on credit-related matters to internal stakeholders. Analyze market trends and competitor activity to inform credit decisions. Job Requirements Strong understanding of credit principles, including credit scoring and risk modeling. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and interpersonal skills, with the ability to build strong relationships with clients and colleagues. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Proficiency in financial software and systems, with experience in credit management and portfolio monitoring. Strong knowledge of regulatory requirements and industry standards related to credit lending.

We are looking for a highly skilled and experienced Credit Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have a strong background in the BFSI industry, with expertise in credit management and analysis. Roles and Responsibility Manage and analyze credit data to identify trends and areas for improvement. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to ensure seamless credit processing and disbursement. Conduct thorough credit assessments and provide recommendations for approval or denial. Monitor and report on credit performance metrics to senior management. Stay up-to-date with regulatory changes and industry best practices in credit management. Job Requirements Strong knowledge of credit principles, including credit scoring and risk assessment. Experience with credit software and systems, such as loan origination and servicing platforms. Excellent analytical and problem-solving skills, with attention to detail and the ability to interpret complex data. Effective communication and collaboration skills, with experience working with diverse stakeholders. Ability to work in a fast-paced environment and meet deadlines. Strong understanding of the BFSI industry, including financial products and services.

Primary Skills Proficient in Credit, Collections, and Dispute Management; skilled in workflows and credit scoring. Experience in one end-to-end implementation or two support projects in FSCM modules on ECC and S/4 HANA. Knowledgeable in S/4 HANA functionalities and Fiori apps for FSCM processes. Experienced in integrating FSCM modules with third-party systems for credit scoring. Skilled in writing functional specifications and collaborating with technical teams. Proficient in GL, AR, AP, Asset Accounting, Intercompany Billing, and EBS. Knowledgeable in DCD, scoring, risk classifications, and workflows. Experienced in optimizing software solutions using scientific methods and supervising technical work. Strong troubleshooting skills for FSCM and FI modules. Expertise in streamlining credit approvals, collections, and dispute management processes. Secondary Skills Familiar with S/4 HANA functionalities and Fiori apps/tiles for FSCM processes. Knowledge of integrating FSCM modules with third-party systems for advanced credit scoring and updates. Experienced in GL, AR, AP, and Asset Accounting processes, including Intercompany Billing, EBS, DMEE, and Lockbox. Proficient in developing, maintaining, and optimizing software solutions using scientific methods. Skilled in writing functional specifications and collaborating with technical teams for RICEFW objects. Capable of debugging and resolving issues across FSCM and FI modules. Experienced in streamlining workflows for credit approvals, collections, and dispute management. Demonstrates strong supervisory and team collaboration skills, applying original thought and judgment in technical work.

We are a leading and fast-growing Co-operative Bank and are inviting ambitious resources to participate in our progression journey. Position: Assistant Manager - Agri. Business - Experience-Minimum 5 yrs Officer - Agri. Business - Experience-Minimum 3 yrs Location: Pune, Shirur, Baramati, Phaltan, Latur, Sangli, Karad, Satara, Kolhapur, Solapur Nashik, Ahilya Nagar, Nipani & Belgavi The resource would be responsible for following : Business Development: Identify opportunities to promote agricultural banking products and services, expanding the bank's customer base. Agricultural Loan lead Sourcing & Processing : Agriculture loan lead generation and process agricultural loan, ensuring compliance with bank policies and regulatory requirements. Credit Scoring: Maintain credit scoring models for agricultural borrowers, enhancing the bank's risk assessment capabilities. (While processing the proposal scoring model format shall be prepared and the decision to process the proposal to be taken as per grade. Risk Assessment: Assess the creditworthiness of farmers and agricultural businesses, identifying potential risks and mitigants. Loan Disbursement: Disburse agricultural loans to eligible borrowers, ensuring timely and efficient transaction processing. Loan Monitoring: Monitor agricultural loan portfolios, tracking repayment performance and addressing any issues or defaults. Reporting and Analytics: Prepare reports and analyse data on agricultural loan performance, providing insights for Agri Department. Recovery Work: Regular recovery follow up in agri loan account, identify PNPA account & recovery & follow up in NPA account.

Primary Skills Proficient in Credit, Collections, and Dispute Management; skilled in workflows and credit scoring. Experience in one end-to-end implementation or two support projects in FSCM modules on ECC and S/4 HANA. Knowledgeable in S/4 HANA functionalities and Fiori apps for FSCM processes. Experienced in integrating FSCM modules with third-party systems for credit scoring. Skilled in writing functional specifications and collaborating with technical teams. Proficient in GL, AR, AP, Asset Accounting, Intercompany Billing, and EBS. Knowledgeable in DCD, scoring, risk classifications, and workflows. Experienced in optimizing software solutions using scientific methods and supervising technical work. Strong troubleshooting skills for FSCM and FI modules. Expertise in streamlining credit approvals, collections, and dispute management processes. Secondary Skills Familiar with S/4 HANA functionalities and Fiori apps/tiles for FSCM processes. Knowledge of integrating FSCM modules with third-party systems for advanced credit scoring and updates. Experienced in GL, AR, AP, and Asset Accounting processes, including Intercompany Billing, EBS, DMEE, and Lockbox. Proficient in developing, maintaining, and optimizing software solutions using scientific methods. Skilled in writing functional specifications and collaborating with technical teams for RICEFW objects. Capable of debugging and resolving issues across FSCM and FI modules. Experienced in streamlining workflows for credit approvals, collections, and dispute management. Demonstrates strong supervisory and team collaboration skills, applying original thought and judgment in technical work.

Basic Section No. Of Position 1 Grade NA Level Analyst, Credit Organisational BUSINESS Birla Pivot BUSINESS_UNIT-1 Birla Pivot BUSINESS_UNIT-2 Birla Pivot BUSINESS_UNIT-3 Birla Pivot DEPARTMENT-1 Birla Pivot Partners Country India State Karnataka Worksite Bangalore Industry -- Function Strategy & Planning Skills Skill Underwriting Unsecured Loan Minimum Qualification Bachelor Of Commerce (Honours) CERTIFICATION No data available About The Role Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis: Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation and Due Diligence: Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication and Reporting: Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring: Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelors degree in finance, Accounting, Economics, or related field required, masters degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

Salary : 20 to 35 LPA Exp: 3 to 10 years Location :Bangalore/Pune/Gurugram (Hydrid) Notice: Immediate to 30 days..!! Roles & responsibilities: 3+ years exp on Python , ML and Banking model development Interact with the client to understand their requirements and communicate / brainstorm solutions. Contribute to how analytical approach is structured for specification of analysis Contribute insights from conclusions of analysis that integrate with initial hypothesis and business objective. Independently address complex problems 3+ years exp on ML/Python (predictive modelling) PD/LGD model development Design, implement, test, deploy and maintain innovative data and machine learning solutions to accelerate our business. Create experiments and prototype implementations of new learning algorithms and prediction techniques Collaborate with product managers, and stockholders to design and implement software solutions for science problems Use machine learning best practices to ensure a high standard of quality for all of the team deliverables Has experience working on unstructured data ( text ): Text cleaning, TFIDF, text vectorization Text classification using any of the following : decision trees, knn classification, support vector machines or LDA Exp on SQL would be a plus

Salary : 20 to 35 LPA Exp: 3 to 10 years Location :Bangalore/Pune/Gurugram (Hydrid) Notice: Immediate to 30 days..!! Roles & responsibilities: 3+ years exp on Python , ML and Banking model development Interact with the client to understand their requirements and communicate / brainstorm solutions. Contribute to how analytical approach is structured for specification of analysis Contribute insights from conclusions of analysis that integrate with initial hypothesis and business objective. Independently address complex problems 3+ years exp on ML/Python (predictive modelling) PD/LGD model development Design, implement, test, deploy and maintain innovative data and machine learning solutions to accelerate our business. Create experiments and prototype implementations of new learning algorithms and prediction techniques Collaborate with product managers, and stockholders to design and implement software solutions for science problems Use machine learning best practices to ensure a high standard of quality for all of the team deliverables Has experience working on unstructured data ( text ): Text cleaning, TFIDF, text vectorization Text classification using any of the following : decision trees, knn classification, support vector machines or LDA Exp on SQL would be a plus