1847 Credit Underwriting Jobs - Page 47

Role & responsibilities Formulate and improvise the credit policy, in consultation with Risk and Credit Committee, from time to time. To constantly engaged with partners for smooth flow of accurate information. To review the credit appraisal memo and guide the team for improvisation. To present the CAM with Credit Committee. To prepare and compile MIS on the basis of credit findings To carry out the Due diligence of customer on which exposure significant or found something alarming while apprising the customer. To constantly engaged with peers for gathering market intelligence. Interested candidates can share CV on 7486884212 or ta_hr4@mas.co.in

About Corporate and Investment Banking & Investment Research (CIB & IR) As a global leader in knowledge processes, research, and analytics, youll be working with a team that specializes in global market research, working with the top-rated investment research organizations, bulge bracket investment banks, and leading asset managers. We cater to 8 of the top 10 global banks, working alongside their product and sector teams, supporting them on deal origination, execution, valuation, and transaction advisory -related projects. What you will be doing at Evalueserve • Comprehensive analysis of financial statements, cash flow projections, management capabilities, industry trends, and potential risks. • Credit Underwriting & conducting end- to end financial modelling for evaluating revenue/cost drivers. • Analysis of projections and understanding operational assumptions driving the estimates, making detailed schedules for working capital analysis, capex, debt and interest, etc. • Valuation Analysis Creation of Cash Flow models, Comparables, DCF models & sensitivity analysis • Preparation of whitepapers, fund marketing materials and presentations • Investment due-diligence including market research, investor overviews, benchmarking, credit-write-ups etc. • Calculating covenants in line with facility agreements and providing a detailed rationale for covenant Met/Breach results • Performing Annual/Quarterly/Monthly reviews and populating associated templates • Providing Ad-hoc support to portfolio managers • Mentoring and training new joiners and acting as a subject matter expert for other team members • Managing the performance and development of junior team members • Handling Client calls and periodic communication • Providing project management support to senior manager and handling project-level tasks e.g. Delivery, Dashboards, QCs, Training, Client management, etc. • Regularly interacting with Portfolio Managers to discuss tasks, templates, and deliverables, and manage expectations • Providing input and ideas for improvement in TAT and efficiency What we're looking for • Financial Modelling • Credit Underwriting • Debt Valuation • Credit Analysis • Investment Due Diligence • Good to have Loan Structuring, M&A transaction understanding, APAC focused. • Experience with Private Debt Credit Funds/Private Credit

Under direct supervision, assist in the collection and analysis of data for senior staff to use to formulate an opinion of the market value of real estate for the purposes of dispute resolution, mortgage underwriting, acquisition/disposition, portfolio analysis and estate purposes.

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

1) Carbon Credits Trading (Sale & Purchase) 2) Carbon Credits Development 3) Carbon Advisory & Consultancy Services

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. About Credit Risk Management Function Credit Risk is a centralized risk-type function within the CRO function. The team is primarily responsible for setting limits and providing credit approvals for single name credit risk, as well as monitoring and managing against these in the context of the banks Enterprise Risk Management framework. Credit Risk enables CRO to strengthen, enhance and improve control of the banks credit risk. The team provides deep technical expertise to the business aligned risk functions and facilitates strategic business decision-making to improve overall use of the banks capital. Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs, Leveraged Lending, CRE, Project Finance) 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 Derivatives, and complex/structured facilities and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposure: Updating 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. Effective resolution of conflicting views with Business in a constructive and professional manner, maintaining DBs underwriting standards, at the same time supporting the Business to achieve agreed targets. Support business units in driving strategy to drive optimum risk / return and in line with overall portfolio strategy and risk appetite while maintaining DBs high underwriting standards 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 Part of regional team supporting senior credit officers covering Southeast Asian counterparties. Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting/analysis for Corporates, Financial institutions and Non-bank Financial institutions with understanding of industry risk drivers; established negotiation skills to deal effectively with conflicting priorities & resources. Strong analytical skills, meticulous and strong knowledge of financial markets, economic/industry trends and global risk regulations. Good working knowledge of relevant banking products including Financing, Commercial Real Estate, Commercial Banking, Trade Finance, complex/structured loans and Derivative products. Ability to build strong relationships internally with stakeholders locally, regionally & globally, both functionally and with Front office Business partners.Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance

Key Deliverables for the role Build the Credit and Operations functions in the Company covering the following: o Underwriting o Transaction Documentation o Disbursements o Banking Operations o Regulatory Compliance & Reporting (CERSAI, Credit Bureaus etc.) Lead a team of Credit & Operations Officers Managing quality & delivery turnaround of loan proposals. Enabling business growth Provide relevant & regular inputs for creation refinement of Credit policy. Will drive and support other miscellaneous initiatives as part of risk credit business technology as may be taken up from time to time. CA/ MBA with 10 14 years of relevant credit risk experience with reputed NBFCs & or Commercial Banks Exposure and knowledge of credit practices and products in small ticket lending (LAP Home Loans and unsecured loans) Should have local market knowledge of key industries, acceptable collateral, high risk areas etc. Should be fully conversant with legal documentation Candidates having experience in both Operations and Credit will be preferred.

Role & responsibilities The Credit Manager is responsible for assessing the creditworthiness of loan applicants, analyzing financial data, and approving or recommending credit decisions in line with company policy. The role involves mitigating risk while supporting business growth through prudent lending decisions.

Key Accountabilities: Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Adherence to turn around times on customer loan requests, as per the agreed service level agreements Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders. If this opportunity matches your caliber, then apply for the same. Our team will connect you post the initial screening process.

Varthana - the largest school funding company in India, is urgently hiring for the post of "Assistant Credit Manager" in Pune & Chhindwara locations! If you're someone who's passionate about credit management, and are looking to transform your career in 2025, then continue reading - this vacancy is for you! ABOUT THE COMPANY: Varthana is the largest education finance company in India headquartered in Bengaluru. Started in 2013, the organization now has its presence in 15 states, 34 branches, and 150 spokes across India, with the goal of transforming affordable education in India. It caters to the needs of affordable private school owners by providing financial assistance and academic support through its school loan business and is strongly committed to serving the domestic students attending college, technical training and short-term courses, or postgraduate studies by providing them with necessary loans to pursue their dream course through the Student loan business. Varthana has successfully served over 4500 affordable private schools in 15 states which educate more than three million students and employ more than 100,000 teachers. Varthana has also partnered with over 500 educational institutions and financed over 5000 economically disadvantaged students spread across 16 cities in India, through its student loan business. JOB ROLE: Varthana is looking for Assistant Manager - Credit who will verify whether all the loan applications are assessed as per the credit policy and whether deviations if any, are appropriately mitigated and documented. The candidate will be interacting with the customers, assessing them based on personal discussions & interviews, ensuring that all files are turned around within an acceptable timeline, and building a long-lasting relationship with them. The Assistant Manager will also be coordinating with the sales team and operations team for collecting accurate data. KEY DETAILS: * This is an individual contributor profile - On roll basis. * Product is School loan/institutional funding. * 4-7 years of underwriting experience in the LAP Segment would be preferred. * Salary offered is the best in the market. * Best in industry monetary benefits - TA, insurance schemes and more! HOW TO APPLY: If you or someone you know would be a great fit for the role, then apply by sharing the CV to: piyush.a@varthana.com. Join Varthana and help build the education of tomorrow!

Bharat Financial Inclusion is looking for Territory Manager-Credit to join our dynamic team and embark on a rewarding career journey Developing territory business plans that will grow the business Developing and maintaining customer relationships Monitoring and analyzing market trends to identify new opportunities Meets regularly with regional clients Observes competitor strategies within the assigned region Responds to regional client needs with solutions from the company Monitor competition within assigned region Conducting surveys to better understand customer needs. Build and foster strong customer relationships within a particular region. Design strategies aimed at growing regional revenue by satisfying customer needs and special requests. Use consumer research to maximize potential revenues and gain the loyalty of their clientele

Bharat Financial Inclusion is looking for Branch Credit Manager to join our dynamic team and embark on a rewarding career journeyCredit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity.Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms.Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations.Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria.Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults.Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts.Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns.Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders.Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities.

Role & responsibilities Conduct credit appraisal, assessment, and evaluation of loan proposals to determine creditworthiness. Perform physical verification of assets to verify collateral value. Review financial statements, industry trends, and other relevant data to inform lending decisions. Collaborate with internal stakeholders to resolve queries and ensure smooth processing of loans. Maintain accurate records of all transactions and communicate effectively with customers. Desired Candidate Profile 3-6 years of experience in Credit Management or related field (NBFC). Strong understanding of credit underwriting principles, policies, and procedures. Excellent analytical skills for evaluating complex financial data. Ability to work independently with minimal supervision while maintaining high levels of accuracy. CA fresher candidate can apply. Interested candidates can share their updated cv on below mentioned email id Email id:- tushar.ravalji@aavas.in Contact number: 9057409096

Responsible for Credit & Risk appraisal of Secured Loans. Appraising deviations basis mitigants, relationships, local market knowledge, etc. Meeting customers to understand their needs and structure a proposal that fulfills both customers Required Candidate profile Using different avenues to get the customer information while underwriting. Experience in entire loan processing operations including scrutinizing the borrower assets, KYC, and Financial documents.

1) Carbon Credits Trading (Sale & Purchase) 2) Carbon Credits Development 3) Carbon Advisory & Consultancy Services 4) Sales & Marketing 5) Analyst 6) Nature Based Solutions

Roles and Responsibilities Urgent Requirement in NBFC Company Assistant Credit Manager Annalise risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Desired Candidate Profile 3 + Years of Experience in the field of NBFC/Banking/Any finance industry with relevant HL, Lap, and BL Products

Roles and Responsibilities Analyse risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analysed for Credit History Knowledge of Technical and Legal report Calculate financial ratios (e.g. credit scores and interest rates) Sanction TVR Desired Candidate Profile Hindsight Visit in Field Personal Discussion(PD) on Tele/Video/Physical Audit Clearance To process files for Disbursement credit manager is responsible for the entire credit granting process. Disbursement process in LMS.

This includes the consistent application of a credit policy, periodic credit reviews of existing customers, and assessing the creditworthiness of potential customers. Should have knowledge of LAP/Housing loans/BL Analyze risks and approve or reject loan requests Prepared CAM(Credit Appraisal Memo) Analyzed for Credit History Knowledge of Technical and Legal report Calculate financial ratios (e.g. credit scores and interest rates) Sanction TVR Hindsight Visit in Field Personal Discussion(PD) on Tele/Video/Physical Audit Clearance To process files for Disbursement the credit manager is responsible for the entire credit granting process.

The Smart Cube, a WNS company, is a trusted partner for high performing intelligence that answers critical business questions. And we work with our clients to figure out how to implement the answers, faster. Roles and responsibilitiesCandidate will be working as Fixed Income Research analyst for the securities across the spectrum including Investment Grade, High-Yield, Municipal and distress debt. Should have strong written and verbal communicationPreparing comprehensive financial models with forecasting based on in-depth study of operating statistics Detailed debt structure, maturity schedule and liquidity analysis Good understanding of financial covenants Writing credit research notes / profiles on corporates Relative Valuation and Industry research reports Municipal issuers credit review report for general obligation and revenue bonds Working on pilot projects with stringent timelines Qualifications Candidate should have relevant experience of at least 2-5 yearsCandidate should have done MBA (finance) or CFADesire to work in a fast paced, challenging environment where you need to push yourself all the timeExcellent communication skills, both written and verbalMotivated, fast thinking, dynamic person with strong business acumenMature individual with a professional work ethic, and high degree of ownership and accountability Job Location

Skill required: Property & Casualty- Underwriting - Underwriting Designation: Underwriting Senior Manager Qualifications: Any Graduation Years of Experience: 16 to 25 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do As a Leader, you are respected for your technical expertise and ability to oversee programs and processes. You balance the needs of multiple stakeholders, making sound decisions using data, analysis, experience, and judgment, along with a risk mindset. Ultimately, you take ownership of key outcomes.Define Insurance policy and calucating premium including terms and condition for PropertyA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for In this role, you will be responsible for the strategic planning and development of all (Region/Country) Underwriting Analyst operations and report directly to Head of Operations. You will coordinate with and guide the Underwriting Analyst Managers for all product lines and identify and design processes and controls that will drive continuous improvement.Insurance Underwriting Migration Location strategy Technology for process automation Data analytics Performance Monitoring Insurance Certification (CPCU AINS IIA CII) Green/Black Belt Process restructuring Budget planning. Roles and Responsibilities: Applies strategic organizational thinking.Displays strong leadership skills.Possess deep analytical capacity for systems, processes, and controls.Develops key relationships with the field and home office underwriting leaders to execute the end-to-end underwriting processes.Manages a cross-regional team of Underwriting Analysts and develops emerging talent to ensure succession through mentoring and coaching.Provides vision, clarity, and direction to all stakeholders.Works with team members and underwriters to determine needs and provide solutions in alignment with the global strategy of standardization to manage control and maximize efficiency.Develops and implements guidelines and processes to ensure consistency, global controls adherence, workload sharing, and best practice knowledge transfer.Assumes an active role in the implementation of the Standard Commercial Underwriting Platform transformation.Communicates and collaborates across the organization to provide solutions/recommendations to achieve organizational success. Qualification Any Graduation

We are seeking a highly skilled Project Manager. This role requires 14 to 16 years of overall IT experience, with preferred expertise in enterprise environments, particularly in Banking and BNFS domains. **Key Responsibilities:** - Collaborate with technical and business teams to define project scope, objectives, and deliverables. - Ensure seamless integration of AI capabilities with Banking products and back end services systems to enhance workflows and automation. - Proactively identify project risks and develop mitigation strategies to ensure timely delivery. - Monitor project progress, prepare detailed reports, and present updates to stakeholders and senior leadership.

1. Understanding of Smart Metering project execution across India. 2. Having rich knowledge and prior experience in Energy and Utilities' SI projects in India in the Energy & Utilities - Smart Metering sub-segment. possessing good communication skills and excellent English communication skills 3. Understanding of the internal operational management processes of Utilities' customers.. 4. Client Relationship and Vendor Management skills Required education Bachelor's Degree Preferred education Master's Degree Required technical and professional expertise Experience in prior Smart Metering projects executed in India. Hands-on knowlegde of industry domain, issues, mitigation, etc. New emerging and niche industry sub-segmemt in India, limited talent pool in market. High growth visibility with multiple Smart Metering programs getting rolled out across Indias power utilities. Experience in prior Smart Metering projects executed in India. Hands-on knowlegde of industry domain, issues, mitigation, etc. New emerging and niche industry sub-segmemt in India, limited talent pool in market. High growth visibility with multiple Smart Metering programs getting rolled out across Indias power utilities.

Role & responsibilities Evaluate loan applications, analyze financial statements, credit reports, and other relevant information to assess creditworthiness. Approve loans within delegated authority and ensure adherence to credit policies and procedures Manage and mentor a team of credit analysts, providing guidance and support in credit appraisal and approval processes . Collaborate with other departments like sales, operations, and collections to drive business growth and achieve business targets Monitor the performance of the loan portfolio within the zone, identifying and mitigating potential risks. Implement strategies to improve portfolio quality, reduce delinquencies, and enhance recoveries Monitor periodic Credit reviews Monitor & maintain quality portfolio of given Zone. Manage relationship with Zonal business team. Suggest change requirements in credit process to National Credit Manager. Compliance to norms and Audit requirement Vendor Management

Job title: Manager (Credit) Reports to: Head (Credit & Operations) Department: Credit & Operations Duties and Responsibilities: Key Deliverables for the role Responsible for assessment of loan proposals in line with the credit policy of the company. Managing quality & delivery turnaround of loan proposals. Engaging with relevant authorities for loan approvals. Assisting Business, Operations & Client for effective & smooth loan closure. Provide relevant & regular inputs for creation refinement of Credit policy. Monitor and track the portfolio health & performance and manage portfolio delinquency. Responsible for managing the risk and credit practices in line with the Risk Policy framework. Will drive and support other miscellaneous initiatives as part of risk credit business as may be taken up from time to time. Required Qualifications and Experience: CA/ MBA with 2 4 years of relevant credit risk experience in the NBFC Banking industries B Com with 5-8 years of relevant credit risk experience in the NBFC Banking industries Exposure and understanding of credit practices and products in small ticket lending (secured and unsecured) Should have local market knowledge of key industries, acceptable collateral, high risk areas etc. Should be conversant with legal documentation for secured and unsecured loans.