661 Creditworthiness Jobs

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Job Responsibilities: Evaluating the creditworthiness of potential customers based upon multiple online and offline data sources. Understanding financials strength/ weaknesses with help of cash flow and ratio analysis. Conducting personal discussions with customers to clarify all open questions. Decision applications based on creditworthiness and business outlook. Deciding trade credit for borrowers (lending amount & period). Adhering to strict TAT for underwriting applications Maintaining quality of underwriting as per SOP Monitoring loan payments and bad debts. Reviewing and updating the company's credit policy. Defining early warning signals to track portfolio performance. Work with policy/product/operations team to ensure the right risk parameters are captured and assessed. Vendor Management. Candidate Profile: Must have a minimum 2 years of work experience in SME underwriting for products like Invoice Finance, Business Loans; prior experience in Fintech/NBFCs preferred. Thorough understanding of SME Financing, Supply Chain Finance, Financials and Credit processes. Good at market intelligence, should be able to provide inputs & feedback for policy and process improvement. Eye for detail/Diligent Personality. Good communication and interpersonal skills. Proficient in MS Excel and ability to bring out insights from data. Experience in setting up strong credit underwriting processes and scale them. Candidate must have experience in working on digital platforms. Must be solution oriented.

About VOIS VOIS (Vodafone Intelligent Solutions) is a strategic arm of Vodafone Group Plc, creating value and enhancing quality and efficiency across 28 countries, and operating from 7 locations: Albania, Egypt, Hungary, India, Romania, Spain and the UK. Over 29,000 highly skilled individuals are dedicated to being Vodafone Group’s partner of choice for talent, technology, and transformation. We deliver the best services across IT, Business Intelligence Services, Customer Operations, Business Operations, HR, Finance, Supply Chain, HR Operations, and many more. Established in 2006, VOIS has evolved into a global, multi-functional organisation, a Centre of Excellence for Intelligent Solutions focused on adding value and delivering business outcomes for Vodafone. About VOIS India In 2009, VOIS started operating in India and now has established global delivery centres in Pune, Bangalore and Ahmedabad. With more than 14,500 employees, VOIS India supports global markets and group functions of Vodafone, and delivers best-in-class customer experience through multi-functional services in the areas of Information Technology, Networks, Business Intelligence and Analytics, Digital Business Solutions (Robotics & AI), Commercial Operations (Consumer & Business), Intelligent Operations, Finance Operations, Supply Chain Operations and HR Operations and more Role Purpose The role is for a Credit risk Manager. The incumbent is required to be highly analytical and detail oriented. The role focuses on evaluating and structuring leveraged transactions, assessing creditworthiness, and ensuring compliance with regulatory standards. The ideal candidate will bring strong analytical skills and a proactive approach to risk mitigation and reporting. Key Functional Accountabilities Operational Planning, operations and service Working closely with DGM CTC, Global Process leaders and other key stakeholders. Evaluate the creditworthiness of potential and existing clients using financial analysis and risk modeling techniques. Support the structuring and negotiation of new leveraged transactions, ensuring alignment with internal risk appetite and market conditions. Develop and implement strategies to minimize exposure to credit risk. Continuously monitor the credit risk portfolio, including key KPIs such as bad debt, involuntary churn, and credit vetting rejections/approvals. Ensure the achievement of financial objectives set for the year for overall process and by key stakeholder partner. Be accountable for the end-to-end finance process for e.g. including controls functions. Implement and drive quality standard frameworks and ensure that high levels of quality accounting are maintained, including alignment with global best practices. To deliver daily, weekly and monthly reporting, internal to Finance Operations as well as for Business Partners. Participate in and manage Projects wherever appropriate. Customer Satisfaction Build and maintain strong relationships with all key stakeholders. Adopt a proactive approach for issue resolution and to prevent problems from arising in the future. Align service delivery to changing needs and ensure effective customer and stakeholder management. Ensure customer needs and requirements are satisfied through appropriate systems / processes / procedures being in place and ensuring that they deliver on customer specific strategies. Leadership & Teamwork - Responsible for business planning for the management of the CTC Team process. Responsible for succession plans for the team. Collaborate with cross-functional teams to support ongoing risk-related projects and initiatives. As a key member of the FINOPS wider leadership team ensure involvement in driving the successes of the company. The ability to work within a team environment towards the achievement of pre-defined objectives with a focus on: Credit risk analysis Service levels Month-end, half-year and year-end period closures Balance sheet reconciliations. Compliance and control - Responsible for a strong control environment, ensuring compliance to all relevant Group policies. Adherence to Group Policies, SOX, Internal Audit, External Audit and Key control questionnaires. Work with internal / external teams to conclude on all queries / issues. Ensure all credit risk activities comply with internal policies and external regulatory requirements. Performance management (CI and diagnostics) Follow the escalation path and non-surprise management philosophy. Identify initiatives to improve the function in line with Global performance metrics, analyze and interpret data and identify trends, relationships and risk. Responsible for the month-end closing activities, balance sheet reconciliations, identify gaps and steps to be taken to correct incorrect entries. Prepare detailed credit risk reports and present findings to senior management. Maintain accurate documentation for audit and compliance purposes. Ensure the achievement of financial objectives set for the year for overall process and by key stakeholder partner. Drive continuous improvement as an important element of delivery to ensure effective and efficient processes that meet World Class standards. Identify trends / patterns pertaining to customer requests and needs and filter this information through to the business to continually improve all aspects of service delivery. Support the team in resolving operational process and control issues. India VOIS is proud to be an Equal Employment Opportunity Employer. We celebrate differences and we welcome and value diverse people and insights. We believe that being authentically human and inclusive powers our employees’ growth and enables them to create a positive impact on themselves and society. We do not discriminate based on age, colour, gender (including pregnancy, childbirth, or related medical conditions), gender identity, gender expression, national origin, race, religion, sexual orientation, status as an individual with a disability, or other applicable legally protected characteristics. As a result of living and breathing our commitment, our employees have helped us get certified as a Great Place to Work in India for four years running. We have been also highlighted among the Top 10 Best Workplaces for Millennials, Equity, and Inclusion, Top 50 Best Workplaces for Women, Top 25 Best Workplaces in IT & IT-BPM and 10th Overall Best Workplaces in India by the Great Place to Work Institute in 2024. These achievements position us among a select group of trustworthy and high-performing companies which put their employees at the heart of everything they do. By joining us, you are part of our commitment. We look forward to welcoming you into our family which represents a variety of cultures, backgrounds, perspectives, and skills! Apply now, and we’ll be in touch!

Position Summary Redaptive is looking at the hiring of a Credit Associate to assess and evaluate the credit risk associated with our customers and counterparties. This role involves conducting thorough analysis of creditworthiness, preparing financial spreads, evaluating financial data, identifying potential risks that may impact our business operations, monitoring existing clients, and assigning risk ratings. This position collaborates with various teams within the organization, including Finance, Sales, IT (Salesforce), and other departments to ensure sound credit decisions align with our company's objectives and risk tolerance. Your insights and recommendations will play a crucial role in shaping our credit policies and procedures, ultimately contributing to the overall success and growth of our organization. Responsibilities And Duties Evaluate and Assign Credit Ratings: Evaluate the creditworthiness of new and existing clients and counterparties by analyzing financial statements, preparing risk rating scorecards, and recommend credit ratings and exposure limits. Earnings Snapshots and Credit Reports: Prepare concise earnings summaries and detailed credit reports by analyzing financial statements, highlighting key performance metrics, and assessing creditworthiness to support underwriting decisions. Portfolio Monitoring: Monitor and update credit portfolio tracker, develop industry specific scorecard template, conduct comprehensive review of assigned credit ratings, and manage credit owned data points in Salesforce. Support Senior Analysts: Assist senior analysts in gathering data and relevant information for credit assessments. Collaborate closely with team members to ensure the accuracy and completeness of information. Ad-Hoc Projects: Participate in ad-hoc tasks such as update daily benchmark rate files, conduct benchmark analysis, and process enhancement, and other credit-related tasks. Time Spent Performing Duty Evaluate and Assign Credit Ratings: 40% Earnings Snapshots and Credit Reports: 30% Portfolio Monitoring: 15% Support Senior Analysts and Ad-Hoc Projects: 15% Required Abilities And Skills Strong understanding of financial statements and key financial ratios. Ability to understand and articulate credit fundamentals. Ability to identify potential risk issues that need escalation. Good communication skills including the ability to build relationships. Strong attention to detail, result-oriented, curious, and proactive with an ambition to grow. Education And Experience A master’s degree in finance. 0-2 years of experience in credit risk management. Proficient with MS Office (Word and Excel) and Bloomberg. Prior internship or coursework in finance, risk management, or related fields is a plus. Travel This role does not involve any international travel. The Perks! Equity plan participation Medical and Personal Accident Insurance Support on Hybrid working – Equipment and Relocation Flexible Time Off Continuous Learning Annual bonus, subject to company and individual performance The company is an Equal Opportunity Employer, drug free workplace, and complies with Labor Laws as applicable. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. Redaptive is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

The Credit Officer plays a vital role in the Loan Department by managing the complete credit process. Their key responsibilities include evaluating loan applications, assessing the creditworthiness of borrowers, verifying documents, and ensuring compliance with the society’s lending policies. They are responsible for recommending and sanctioning loans based on risk analysis, monitoring repayment schedules, and following up on overdue accounts. Additionally, the Credit Officer coordinates with field staff, maintains accurate records, and ensures proper reporting to senior management. Their role is crucial in maintaining the financial health and integrity of the society's lending operations. Job Type: Full-time Pay: ₹18,000.00 - ₹22,000.00 per month Benefits: Cell phone reimbursement Health insurance Paid sick time Provident Fund Work Location: In person

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time - Work from Office Hours: Monday - Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer's requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

About Lowe's Lowe’s is a FORTUNE® 100 home improvement company serving approximately 16 million customer transactions a week in the United States. With total fiscal year 2024 sales of more than $83 billion, Lowe’s operates over 1,700 home improvement stores and employs approximately 300,000 associates. Based in Mooresville, N.C., Lowe’s supports the communities it serves through programs focused on creating safe, affordable housing, improving community spaces, helping to develop the next generation of skilled trade experts and providing disaster relief to communities in need. For more information, visit Lowes.com. Lowe’s India, the Global Capability Center of Lowe’s Companies Inc., is a hub for driving our technology, business, analytics, and shared services strategy. Based in Bengaluru with over 4,500 associates, it powers innovations across omnichannel retail, AI/ML, enterprise architecture, supply chain, and customer experience. From supporting and launching homegrown solutions to fostering innovation through its Catalyze platform, Lowe’s India plays a pivotal role in transforming home improvement retail while upholding strong commitment to social impact and sustainability. For more information, visit Lowes India About The Team The order-to-cash process includes all the steps from when a customer places an order to when the company receives payment. Job Summary The Order-to-Cash (O2C) process is a critical business cycle that encompasses the entire journey of receiving and fulfilling customer orders, invoicing, and collecting payments. It begins with order management, where a customer places an order that is recorded and validated. Next, credit management ensures the customer's creditworthiness to mitigate financial risks. Once approved, the order fulfillment phase involves processing, picking, packing, and shipping the goods or services. After delivery, the invoicing step generates and sends the bill to the customer. The accounts receivable team then tracks and records payments, while collections and dispute management handle overdue payments and customer concerns. Once payments are received, the cash application process reconciles them with outstanding invoices. Finally, reporting and analysis help businesses track performance and optimize the O2C cycle. A well-structured O2C process enhances cash flow, improves customer satisfaction, and reduces operational inefficiencies Roles & Responsibilities Core Responsibilities: Manage a specific portfolio of accounts Maintain records of contacts and attempted contacts with delinquent accounts as well as records of any payments collected. Contact customers with overdue accounts Initiate the dispute process on disputed invoices, or misapplications Perform credit limit reviews within their designated level of authority Negotiate payment agreements within their designated level of authority Make judgment decisions regarding the status of a customer account based on thorough analysis of the customer’s purchases, payments, history, ability to pay and our business strategy. Maintain strong communication with Outside Sales Representatives, Customer Service and Leadership Release orders Soft collections Assist with special projects as requested Years Of Experience Maximum 1 to 3 years of experience With 1 to 3 years in O2C with Collections experience must Required Minimum Qualifications Bachelors Degree / Post Graduate Degree Primary Skills (must Have) Understanding of O2C processes Experience with collection and AR management Must be able to work in night shift 8:30 PM to 5:30 AM Lowe's is an equal opportunity employer and administers all personnel practices without regard to race, color, religious creed, sex, gender, age, ancestry, national origin, mental or physical disability or medical condition, sexual orientation, gender identity or expression, marital status, military or veteran status, genetic information, or any other category protected under federal, state, or local law. Starting rate of pay may vary based on factors including, but not limited to, position offered, location, education, training, and/or experience. For information regarding our benefit programs and eligibility, please visit https://talent.lowes.com/us/en/benefits.

The Credit Officer plays a vital role in the Loan Department by managing the complete credit process. Their key responsibilities include evaluating loan applications, assessing the creditworthiness of borrowers, verifying documents, and ensuring compliance with the society’s lending policies. They are responsible for recommending and sanctioning loans based on risk analysis, monitoring repayment schedules, and following up on overdue accounts. Additionally, the Credit Officer coordinates with field staff, maintains accurate records, and ensures proper reporting to senior management. Their role is crucial in maintaining the financial health and integrity of the society's lending operations. Job Type: Full-time Pay: ₹18,000.00 - ₹22,000.00 per month Benefits: Cell phone reimbursement Health insurance Paid sick time Provident Fund Work Location: In person

Job description Plan Credit Underwriting vision & outlook. Analyzing financial statements, assessing business viability, and identifying risks related to loan applications. Implementing credit policies and procedures at the state level and ensuring compliance. Monitoring portfolio performance, identifying early warning signs, and taking corrective actions. Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaining a balanced view of business profitability across various products and geographies. Prepare Risk & Credit Decks on monthly basis.Responsible for ensuring sound understanding of credit policy across all relevant levels.Product management: managing the product function, product design, portfolios & performance at State level.Product knowledge at market level & market segmentation, is necessary.Proven experience in credit underwriting of Construction Equipment Loan Skil l Set (Must) ∙ Excellent Communication Skills : Strong communication and negotiation skills to work effectively with various stakeholders ∙Strong financial analytical skills and the ability to assess creditworthiness ∙Leadership Skills : Ability to build, coach, and mentor high-performance teams

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Service Delivery Operations Associate Manager Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 10 to 14 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.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 world’s 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. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Team would be part of Large Corporate Underwriting. You would be responsible for the below activities Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct detailed research to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Risk management Thought leadership Basics of dual risk rating Cash flow analysis Roles and Responsibilities: In this role you are required to do analysis and solving of moderately complex problems Typically creates new solutions, leveraging and, where needed, adapting existing methods and procedures The person requires understanding of the strategic direction set by senior management as it relates to team goals Primary upward interaction is with direct supervisor or team leads Generally interacts with peers and/or management levels at a client and/or within Accenture The person should require minimal guidance when determining methods and procedures on new assignments Decisions often impact the team in which they reside and occasionally impact other teams Individual would manage medium-small sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts

About The Role Grade Level (for internal use): 09 The Team The current team is composed of highly skilled engineers with solid development background who build and manage tier-0 platforms in AWS cloud environments. In their role, they will play a pivotal part in shaping the platform architecture and engineering. Their additional tasks include, exploring new innovative tools that benefit the organization needs, developing services and tools around the platform, establishing standards, creating reference implementations, and providing support for application integrations on need basis. The Impact This role is instrumental in constructing and maintaining dependable production systems within cloud environments. The team bears the crucial responsibility for ensuring high availability, minimizing latency, optimizing performance, enhancing efficiency, overseeing change management, implementing robust monitoring practices, responding to emergencies, and strategically planning for capacity. The impact of this team is pivotal for the organization, given its extensive application portfolio, necessitating a steadfast commitment to achieving and maintaining a 99.9% uptime, thus ensuring the reliability and stability of the firm's digital infrastructure. What’s In It For You S&P Global is an employee friendly company with various benefits and with primary focus on skill development. The technology division has a wide variety of yearly goals that help the employee train and certify in niche technologies like: Generative AI, Transformation of applications to CaaS, CI/CD/CD gold transformation, Cloud modernization, Develop leadership skills and business knowledge training. Essential Duties & Responsibilities As part of a global team of Engineers, deliver highly reliable technology products. Strong focus on developing robust solutions meeting high-security standards. Build and maintain new applications/platforms for growing business needs. Design and build future state architecture to support new use cases. Ensure scalable and reusable architecture as well as code quality. Integrate new use cases and work with global teams. Work with/support users to understand issues, develop root cause analysis and work with the product team for the development of enhancements/fixes. Become an integral part of a high performing global network of engineers/developers working from Colorado, New York, and India to help ensure 24x7 reliability for critical business applications. As part of a global team of engineers/developers, deliver continuous high reliability to our technology services. Strong focus towards developing permanent fixes to issues and heavy automation of manual tasks. Provide technical guidance to junior level resources. Works on analyzing/researching alternative solutions and developing/implementing recommendations accordingly. Qualifications Required: Bachelor / MS degree in Computer Science, Engineering or a related subject Good written and oral communication skills. Must have 3+ years of working experience in Java with Spring technology Must have API development experience Work experience with asynchronous/synchronous messaging using MQ, etc. Ability to use CICD flow and distribution pipelines to deploy applications Working experience with DevOps tools such as Git, Azure DevOps, Jenkins, Maven Solid understanding of Cloud technologies and managing infrastructures Experience in developing, deploying & debugging cloud applications Strong knowledge of Functional programming, Linux etc Nice To Have Experience in building single-page applications with Angular or ReactJS in conjunction with Python scripting. Working experience with API Gateway, Apache and Tomcat server, Helm, Ansible, Terraform, CI/CD, Azure DevOps, Jenkins, Git, Splunk, Grafana, Prometheus, Jaeger(or other OTEL products), Flux, LDAP, OKTA, Confluent Platform, Active MQ, AWS, Kubernetes Location: Hyderabad, India Hybrid model: twice a week work from office is mandatory. Shift time: 12 pm to 9 pm IST. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 311026 Posted On: 2025-07-30 Location: Hyderabad, Telangana, India

JD For Area Credit Manager Should have experience in Team Handling 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 Researching and evaluating clients’ creditworthiness Creating credit scoring models to predict risks Approving or rejecting loan requests, based on credibility and potential revenues and losses 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

Monitor and manage company receivables. Evaluate creditworthiness of existing and new clients. Set credit limits and ensure adherence to payment terms. Follow up on overdue accounts and resolve payment issues. Coordinate with the sales and finance teams for credit approvals and collections. Prepare aging reports and share regular updates with management. Desired Candidate Profile: CA Inter qualified with 1–3 years of relevant experience in credit control or accounts receivable. Strong communication and negotiation skills. Proficiency in Tally and MS Excel. Knowledge of credit risk analysis and collection procedures. Job Type: Full-time Pay: ₹10,000.00 - ₹20,000.00 per month Work Location: In person Speak with the employer +91 7994441046

About The Role Grade Level (for internal use): 10 S&P Global Ratings The Role: Software Engineer – Full Stack Developer We are seeking a highly skilled and experienced Full Stack Java DevOps Engineer to join our team. As a Full Stack Java DevOps Engineer, you will be responsible for designing, developing, and maintaining robust and scalable software solutions across the entire software development lifecycle. You will also be involved in implementing and managing DevOps practices to ensure efficient and reliable software delivery. Responsibilities Software Development: Design, develop, and maintain high-quality software solutions using Java technologies, frameworks, and libraries, with a strong emphasis on Spring, for both front-end and back-end applications. Experience with React or Angular is highly desirable. Full Stack Development: Work on both front-end and back-end development tasks, including user interface design, server-side development, database design, and integration of various system components. Utilize Spring framework for back-end development. DevOps Implementation: Implement and maintain DevOps practices, including continuous integration, continuous delivery, and automated testing to ensure high-quality software releases. Troubleshooting and Issue Resolution: Diagnose and resolve software defects, performance issues, and other technical problems in a timely and efficient manner. Collaboration: Work closely with cross-functional teams and other developers to ensure successful project delivery and meet business requirements. Stay Updated: Continuously stay up to date with the latest trends, tools, and technologies related to full-stack development, Java, Spring, React, Angular, and DevOps practices. What We’re Looking For Bachelor's degree in Computer Science, Software Engineering, or a related field. Minimum of 5/6 years of experience in full stack Java development, including front-end and back-end technologies. Experience with React, as well as proficiency in Spring framework, is highly desirable. Strong proficiency in Java programming language and related frameworks (e.g., Spring Boot etc.). Experience with web development technologies such as HTML, CSS, JavaScript, and front-end frameworks (e.g., React, Angular, etc.). Solid understanding of software development principles, design patterns, and best practices. Hands-on experience with DevOps practices, including CI/CD, automated testing, configuration management, and deployment automation tools (e.g., Jenkins, Docker, Kubernetes, etc.). Proficient in working with databases (SQL and NoSQL) and designing efficient data models. Familiarity with cloud platforms (e.g., AWS, Azure) and experience in deploying applications in a cloud environment. Strong analytical and problem-solving skills, with the ability to debug complex issues and provide solutions. Excellent communication and collaboration skills, with the ability to work effectively in a team environment. Proven track record of delivering high-quality software projects within deadlines. Experience in Agile software development methodologies (Scrum, Kanban) is a good to have. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 317994 Posted On: 2025-07-30 Location: Hyderabad, Telangana, India

We are seeking a skilled U.K Mortgage Underwriter with expertise in the 4 C’s of underwriting (Credit, Capacity, Collateral, and Capital). The ideal candidate will have experience in risk assessment, income calculations, and property evaluation, ensuring compliance with underwriting guidelines and regulatory standards. Shift & Working Days: Shift: U.K (11am -11pm). Working Days: 5 days of working. Key Responsibilities: Underwriting Activities: Review, analyze, and approve/deny mortgage applications based on risk assessment and investor guidelines. 4 C’s of Underwriting: Evaluate borrower’s Credit, Capacity, Collateral, and Capital to determine loan eligibility. Income Calculation: Assess borrower income using tax returns, W-2s, pay stubs, and financial statements. Risk Assessment: Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. Compliance & Quality Control: Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards. Collaboration: Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process. Requirements: Experience: Minimum 2 years in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. Attention to Detail: Strong analytical skills to assess financial documents and property risks accurately. Communication: Ability to articulate underwriting decisions effectively to internal teams and external stakeholders.

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Job ResponsibilitiesThorough understanding about finance business To design and execute various strategies related to lending & finance To ensure monthly achievement of assign disbursement targets with no delinquency Manage the Finance & lending Loans division and ensure smooth and efficient loan disbursement processes Develop and implement strategies to drive the growth of the loans portfolio Oversee the evaluation and verification of loan assets for loan disbursal Monitor loan applications, ensuring adherence to company policies and regulatory requirements Assess creditworthiness of loan applicants and determine appropriate loan amounts Train and mentor staff members on micro finance loan operations, including micro loan verification techniques Develop and maintain strong relationships with customers, providing exceptional customer service and addressing their queries and concerns Conduct market research to identify new opportunities and trends in the Micro Finance Loan industry Collaborate with internal teams, such as risk, compliance, collections and operations, to ensure compliance with regulatory guidelines and internal policies. Stay updated with industry best practices and changes in regulations related to micro finance loans Prepare regular reports on loan portfolio performance and present findings to the management of society Travel up to 15 days in a month to various branches/areas for monitoring and providing support for Finance Loan operations Ensuring monthly growth in loan portfolio with minimum delinquency Ensuring timely recruitment and training of field teams related to lending Skills RequiredStrong knowledge and experience in Finance Loan operations and processes Excellent understanding of finance verification techniques Proven experience in managing and mentoring teams Strong analytical and problem-solving skills Excellent communication and interpersonal skills

Company Description MAHINDRA AND MAHINDRA FINANCIAL SERVICES LIMITED is a financial services company headquartered in Mumbai, Maharashtra, India, at Gateway Building, Apollo Bunder. The company specializes in providing a wide range of financial products and services. Potential applicants will find an established business offering opportunities for professional growth and development within the financial services sector. Role Description This is a full-time, on-site role for a Credit Officer located in Sikar. As a Credit Officer, you will be responsible for assessing creditworthiness of potential customers, managing credit portfolios, analyzing financial data, and making informed credit decisions. Daily tasks include reviewing credit applications, conducting financial analysis, monitoring credit exposures, and collaborating with internal and external stakeholders to ensure effective credit management. Qualifications Credit Management and Credit skills Strong Analytical Skills Finance knowledge and experience Effective Communication skills Bachelor’s degree in Finance, Business Administration, or related field Attention to detail and strong organizational skills Experience in the financial services industry is a plus

Job Description CONTROLLERS Controllers ensure that the firm meets all the financial control and reporting obligations of a global, regulated, and public financial institution. Our professionals measure the profitability of, and risks associated with, every aspect of the firm's business. Controllers also ensure that the firm's activities are conducted in compliance with the regulations governing transactions in the financial markets. OUR IMPACT We're a team of specialists charged with managing the firm’s liquidity, capital, and risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The business is ideal for collaborative individuals who have strong ethics and attention to detail. BUSINESS UNIT The Controllers group is responsible for safeguarding the firm's assets: to help maintain the integrity of Goldman Sachs' finances and expenditures. Through careful consideration and analyses of firm finances, objectives and strategies, we ensure that the firm's businesses continue to be profitable and efficiently run. Controllers also ensure that all business practices are in compliance with financial and regulatory requirements worldwide. Since contact with virtually every part of the firm is essential to Controllers, professionals in the department experience Goldman Sachs businesses, products, and sophisticated technology systems in depth. Direct Hedge Funds, Hedge Funds Strategies, Private Equity Group teams within Controllers support the alternative investments within Goldman Sachs Asset Management division with oversight over complex private funds. About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html Please note that our firm has adopted a COVID-19 vaccination requirement for employees who work onsite at any of our U.S. locations to safeguard the health and well-being of all our employees and others who enter our U.S. offices. This role requires the employee to be able to work on-site. As a condition of employment, employees working on-site at any of our U.S. locations are required to be fully vaccinated for COVID-19, and to have either had COVID-19 or received a booster dose if eligible under Centers for Disease Prevention and Control (CDC) guidance, unless prohibited by applicable federal, state, or local law. Applicants who wish to request for a medical or religious accommodation, or any other accommodation required under applicable law, can do so later in the process. Please note that accommodations are not guaranteed and are decided on a case by case basis. © The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

Role : Credit Manager for Business Loans Responsible for evaluating and managing the creditworthiness of potential business borrowers, assessing risks, and ensuring compliance with company credit policies. They analyze financial information, monitor loan performance, and manage collections, ultimately minimizing financial risk and maximizing profitability for the lending institution. Key Responsibilities: Credit Assessment: Reviewing loan applications, financial statements, credit reports, and other relevant documents to assess a business's creditworthiness. Risk Analysis: Identifying potential risks associated with lending to specific businesses, evaluating their ability to repay loans, and determining appropriate loan terms. Loan Approval: Approving or rejecting loan applications based on creditworthiness and adherence to company policies. Credit Limit Determination: Setting appropriate credit limits for approved loans, ensuring they align with the borrower's financial capacity and risk profile. Interest Rate Determination: Determining interest rates for loans based on factors like credit risk, market conditions, and company policies. Loan Documentation: Ensuring the accuracy and completeness of all loan documentation, including loan agreements, security documents, and other relevant paperwork. Credit Monitoring: Continuously monitoring the performance of existing loans, identifying early warning signs of potential defaults, and taking necessary actions to mitigate risks. Relationship Management: Building and maintaining relationships with internal stakeholders, such as sales and relationship management teams, as well as external stakeholders, such as borrowers and industry professionals. Reporting: Preparing reports on loan performance, risk exposure, and other relevant metrics for management and other stakeholders.

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.

Job Title: Credit Analyst – Real Estate (Fundraising & Financial Modeling) Location : Pune Industry : Real Estate / Project Finance Experience : 3 to 5 Years Employment Type : Full-time About the Company Omicron Group, a Pune-based commercial real estate developer, has its roots in Aurangabad with over 35 years of expertise in power infrastructure. Known for delivering Grade-A office spaces across Pune, the group combines engineering precision with modern commercial real estate innovation. Job Summary We are seeking a highly motivated and detail-oriented Credit Analyst with experience in financial modeling and fundraising for real estate projects. The candidate will play a key role in supporting project financing efforts, preparing detailed financial models, analyzing project viability, and coordinating with financial institutions and investors for funding proposals. Key Responsibilities Financial Modeling : Develop and maintain detailed Excel-based financial models for real estate projects, including projections for revenue, costs, cash flows, IRR, and ROI. Credit Analysis : Analyze creditworthiness of the company and its projects, including financial ratios, debt servicing capacity, and risk assessment. Fundraising Support : Prepare information memorandums (IMs), investor pitch decks, project teasers, and loan proposals for banks, NBFCs, and private investors. Liaison with Lenders : Coordinate with banks, NBFCs, rating agencies, and investment partners to support due diligence, documentation, and disbursements. Project Evaluation : Conduct feasibility analysis and sensitivity testing on real estate projects to support decision-making for new launches or acquisitions. Market Research : Track industry trends, benchmark financing structures, and stay updated on lending terms and real estate sector funding activity. MIS & Reporting : Prepare regular reports and dashboards on fundraising status, project financials, and loan covenants compliance. Requirements Bachelor’s or Master’s degree in Finance, Accounting, Economics, or related field (CA/MBA Finance preferred). 3 to 5 years of relevant experience in financial modeling, project finance, or credit analysis, preferably in the real estate or infrastructure sector . Strong command of Excel , financial statements, and project finance concepts. Experience with debt/equity fundraising documentation is a plus. Excellent analytical, communication, and presentation skills. Ability to work independently and manage multiple tasks in a fast-paced environment. Preferred Skills Prior exposure to real estate project modeling (e.g., sales-linked cash flows, construction schedules, and loan drawdowns). Familiarity with lender requirements and project finance deal structures. Understanding of RERA, stamp duty, and real estate-specific financial considerations.

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Service Delivery Operations Associate Manager Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 10 to 14 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.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 world’s 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. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Team would be part of Large Corporate Underwriting. You would be responsible for the below activities Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct detailed research to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Risk management Thought leadership Basics of dual risk rating Cash flow analysis Roles and Responsibilities: In this role you are required to do analysis and solving of moderately complex problems Typically creates new solutions, leveraging and, where needed, adapting existing methods and procedures The person requires understanding of the strategic direction set by senior management as it relates to team goals Primary upward interaction is with direct supervisor or team leads Generally interacts with peers and/or management levels at a client and/or within Accenture The person should require minimal guidance when determining methods and procedures on new assignments Decisions often impact the team in which they reside and occasionally impact other teams Individual would manage medium-small sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Delivery Lead Manager Qualifications: MCom/Master of Business Administration/Master of Financial Management Years of Experience: 13 to 18 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.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 world’s 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. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct a through research determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Thought leadership Risk management Roles and Responsibilities: In this role you are required to identify and assess complex problems for area of responsibility The person would create solutions in situations in which analysis requires an in-depth evaluation of variable factors Requires adherence to strategic direction set by senior management when establishing near-term goals Interaction of the individual is with senior management at a client and/or within Accenture, involving matters that may require acceptance of an alternate approach Some latitude in decision-making in involved you will act independently to determine methods and procedures on new assignments Decisions individual at this role makes have a major day to day impact on area of responsibility The person manages large - medium sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Delivery Lead Manager Qualifications: MCom/Master of Business Administration/Master of Financial Management Years of Experience: 13 to 18 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.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 world’s 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. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct a through research determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Thought leadership Risk management Roles and Responsibilities: In this role you are required to identify and assess complex problems for area of responsibility The person would create solutions in situations in which analysis requires an in-depth evaluation of variable factors Requires adherence to strategic direction set by senior management when establishing near-term goals Interaction of the individual is with senior management at a client and/or within Accenture, involving matters that may require acceptance of an alternate approach Some latitude in decision-making in involved you will act independently to determine methods and procedures on new assignments Decisions individual at this role makes have a major day to day impact on area of responsibility The person manages large - medium sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts, MCom,Master of Business Administration,Master of Financial Management