1060 Creditworthiness Jobs

Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer’s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations. Position Details: Position: Credit Analyst Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am – 8:00pm IST Department: President’s Choice Financial Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Fraud and Credit Risk Review: Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification. Analyze conversations with applicants in real-time to assess potential fraud risk. Document and approve requirements 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. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset. Minimum of 2-3 year of customer service experience. Credit card experience required; credit and fraud experience 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.

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 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? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses 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? Financial Analysis Underwriting Ability to work well in a team Commitment to quality Strong analytical skills Written and verbal communication Ability to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 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? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses 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? Financial Analysis Underwriting Ability to work well in a team Commitment to quality Strong analytical skills Written and verbal communication Ability to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 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? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses 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? Financial Analysis Underwriting Ability to work well in a team Commitment to quality Strong analytical skills Written and verbal communication Ability to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts

Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About Our Banking And Coverage Team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including:  Industry risks and client competitive positioning within the industry.  Client funding strategy, financial policies, treasury activities, including hedging, and cash management.  Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability.  Reputational risk profile, including climate and sustainability risks. Skills And Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Job Requirements Job Description Job Title – Credit Manager - Mortgage Rural Business Unit - Retail Banking Function - Credit - Mortgage Job Purpose The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their creditworthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Responsibilities Roles & Responsibilities: Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Conduct personal discussion with customers to establish credit worthiness. Control and contain front-end delinquencies by calling up customer on first presentation. Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Coordinate with sales to achieve targets and ensure SLAs are met. Ensuring credit policy adherence to the accepted standards. Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing. Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Educational Qualifications: Graduation (Any Field) Experience 2+ years of experience in credit.

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills . • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus.

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills . • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus.

Job description Job Title - Sales Manager - LAP Location - Chennai, Coimbatore, Thiruvallur, Kanchipuram, Kallakurichi , Trichy , Dindugal, Tirunelveli & Kumbakonam Job Summary: We are seeking an experienced Assistant Manager - MSME LAP to join our team in Chennai, Trichy, or Coimbatore. The successful candidate will be responsible for mobilizing business directly or through channels, with a focus on home loans and other MSME products. Key Responsibilities: 1. Business Development: Mobilize business directly or through channels, focusing on home loans and other MSME products. 2. Relationship Building: Establish and maintain relationships with customers, partners, and stakeholders to drive business growth. 3. Field Work: Conduct field visits to meet customers, assess creditworthiness, and promote products. 4. DSA Management: Manage and motivate Direct Sales Agents (DSAs) to achieve business targets. 5. Credit Assessment: Conduct credit assessments and due diligence on potential customers. 6. Product Knowledge: Stay up-to-date with company products, policies, and procedures. 7. Reporting and Documentation: Maintain accurate records and reports on business performance, customer interactions, and market trends. Requirements: Experience: Minimum 3-6 years of experience in NBFCs, preferably in LAP and home loan products. Skills: Strong communication, negotiation, and relationship-building skills. Field Work: Willingness to travel extensively for field work and meet customers. DSA Management: Experience in managing DSAs or similar roles. Product Knowledge: Good understanding of LAP and home loan products. Male Candidates: Preferred due to the nature of the role. Interested Candidates to share their resume at hr@dugar.co.in or WhatsApp it to 9092807676 KOMAL AGARWAL HR OFFICER Job Type: Full-time Pay: ₹20,000.00 - ₹25,000.00 per month Benefits: Paid sick time Work Location: In person Speak with the employer +91 9092807676

We are seeking a highly skilled and experienced Credit Valuations Analyst to join our esteemed buy-side client's Valuations Team, specializing in credit valuations of private companies. As a member of the team, you will play a critical role in conducting comprehensive credit valuations, updating valuation models, and providing valuable insights to support informed investment decisions. Key Responsibilities: Conduct Credit Valuations: Perform thorough credit valuations of private credit investments, including analyzing financial statements, credit agreements, and market data to determine creditworthiness and potential risks. Develop and Maintain Credit Valuation Models: Create, maintain, and refine credit valuation models tailored to specific asset classes, ensuring accuracy and relevance. Collaborate with Investment Team: Work closely with the Investment Team to assess and mitigate credit risks associated with existing investments, providing expert analysis and recommendations. Credit Risk Assessment: Perform thorough credit risk assessments on new investment opportunities, analyzing financial statements, credit reports, and market dynamics to inform investment decisions. Modeling and Reporting: Work through complex models to estimate the value of credit investments, considering credit metrics, default probabilities, and recovery rates, and prepare detailed credit valuation reports and presentations for internal and external stakeholders. Monitor Credit Portfolio Performance: Track key credit performance indicators, identify strategies for credit risk mitigation, and ensure compliance with industry standards, accounting regulations, and reporting requirements. Requirements: Master's Degree: Hold a Master's degree in Finance, Economics, Accounting, or a related field. Minimum 3 Years of Experience: Have a minimum of 3 years of experience in credit valuations within the financial services industry. Strong Technical Skills: Demonstrate strong proficiency in financial modeling, credit analysis, and data analysis, with expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. CFA Designation: Hold a CFA designation or be actively pursuing the CFA program (preferred). Advanced Proficiency in Financial Tools: Possess advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools, such as credit risk modeling software. Excellent Communication Skills: Demonstrate strong written and verbal communication skills, with the ability to present complex credit information effectively and communicate very well with on-shore analysts. Collaborative Mindset: Proven ability to work independently and collaboratively in a fast-paced, dynamic environment. Preferred Qualifications: Credit Risk Certification: Hold a credit risk certification, such as the Certified Credit Risk Manager (CCRM) or the Credit Risk Certification (CRC). Experience with Credit Risk Models: Have experience with credit risk models, such as probability of default (PD) models, loss given default (LGD) models, and expected loss (EL) models. Knowledge of Credit Markets: Have a strong understanding of credit markets, including high-yield bonds, leveraged loans, and private credit.

We are seeking a highly skilled and experienced Credit Valuations Analyst to join our esteemed buy-side client's Valuations Team, specializing in credit valuations of private companies. As a member of the team, you will play a critical role in conducting comprehensive credit valuations, updating valuation models, and providing valuable insights to support informed investment decisions. Key Responsibilities: Conduct Credit Valuations: Perform thorough credit valuations of private credit investments, including analyzing financial statements, credit agreements, and market data to determine creditworthiness and potential risks. Develop and Maintain Credit Valuation Models: Create, maintain, and refine credit valuation models tailored to specific asset classes, ensuring accuracy and relevance. Collaborate with Investment Team: Work closely with the Investment Team to assess and mitigate credit risks associated with existing investments, providing expert analysis and recommendations. Credit Risk Assessment: Perform thorough credit risk assessments on new investment opportunities, analyzing financial statements, credit reports, and market dynamics to inform investment decisions. Modeling and Reporting: Work through complex models to estimate the value of credit investments, considering credit metrics, default probabilities, and recovery rates, and prepare detailed credit valuation reports and presentations for internal and external stakeholders. Monitor Credit Portfolio Performance: Track key credit performance indicators, identify strategies for credit risk mitigation, and ensure compliance with industry standards, accounting regulations, and reporting requirements. Requirements: Master's Degree: Hold a Master's degree in Finance, Economics, Accounting, or a related field. Minimum 3 Years of Experience: Have a minimum of 3 years of experience in credit valuations within the financial services industry. Strong Technical Skills: Demonstrate strong proficiency in financial modeling, credit analysis, and data analysis, with expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. CFA Designation: Hold a CFA designation or be actively pursuing the CFA program (preferred). Advanced Proficiency in Financial Tools: Possess advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools, such as credit risk modeling software. Excellent Communication Skills: Demonstrate strong written and verbal communication skills, with the ability to present complex credit information effectively and communicate very well with on-shore analysts. Collaborative Mindset: Proven ability to work independently and collaboratively in a fast-paced, dynamic environment. Preferred Qualifications: Credit Risk Certification: Hold a credit risk certification, such as the Certified Credit Risk Manager (CCRM) or the Credit Risk Certification (CRC). Experience with Credit Risk Models: Have experience with credit risk models, such as probability of default (PD) models, loss given default (LGD) models, and expected loss (EL) models. Knowledge of Credit Markets: Have a strong understanding of credit markets, including high-yield bonds, leveraged loans, and private credit.

Job Description – FINTECH Executive (Loan Process) Company Name: LMES Academy Pvt. Ltd. Location: Chennai (Onsite) Experience Required: Minimum 1 Year Employment Type: Full-Time About the Role We are looking for a detail-oriented and proactive FINTECH Executive to join our team. The ideal candidate will have strong experience in loan processing, CIBIL score checks, and financial documentation. You will play a key role in ensuring smooth loan operations, customer verification, and compliance with financial standards. Key Responsibilities Handle end-to-end loan processing including application review, verification, and approval workflows. Perform CIBIL score checks and assess customer eligibility for loans. Verify customer documents such as KYC, income proof, and bank statements. Coordinate with banks, NBFCs, and internal teams for loan disbursal. Maintain accurate financial records and ensure compliance with policies. Address customer queries related to loan applications and provide solutions. Assist in risk assessment and report generation for management review. Requirements & Skills Graduate in Finance, Commerce, Economics, or related field. Minimum 1 year of experience in loan processing, credit check, or financial operations. Knowledge of CIBIL score evaluation and creditworthiness assessment. Strong understanding of KYC, RBI guidelines, and loan compliance norms. Excellent communication and interpersonal skills. Detail-oriented with strong problem-solving abilities. Proficiency in MS Office and basic fintech tools. Why Join Us? Opportunity to work in a fast-growing fintech environment. Exposure to diverse financial processes and compliance systems. Career growth and learning in the financial domain.

Credit Underwriters – TNPL (Travel Now Pay Later) and Business Loan (One Position Each) About Mihuru Mihuru is a dynamic travel-focused finance platform, driven by the mission to make travel more affordable and accessible to everyone. The name "Mihuru" itself embodies the essence of our vision, translating to "My Freedom". With products like "Travel Now Pay Later" for travelers and Working Capital for travel agents, Mihuru is poised to become the preferred payment provider for travel across India, GCC and Africa. Location: Corporate Office, 5 th Floor, Amit Industrial Estate, Dr. SS Rao Marg, Best Colony, Parel, Mumbai, Maharashtra 400012 Work Type: Work from Office, Monday to Saturday Salary: up to Rs. 25,000/month + Insurance Role Overview We seek two (2) Credit Underwriters to join our credit team, one focusing on Travel Now Pay Later (TNPL) and the other on Business Loan (BL) underwriting. Both roles require keen analytical skills, attention to detail, and strong adherence to credit policies to evaluate loan applications effectively. Key Responsibilities · For TNPL: Review and evaluate travel-based loan applications meticulously by verifying all customer-submitted KYC documents (such as Aadhaar, PAN, and address proof) and income proofs (salary slips, bank statements, etc.). Assess the borrower’s credit risk profile considering credit scores, repayment history, and eligibility against product criteria. Ensure that loan proposals comply with internal underwriting guidelines and flag any inconsistencies or potential fraud. · For Business Loan: Perform comprehensive analysis of business loan applications by scrutinizing financial statements (Profit & Loss, Balance Sheet), GST returns, bank statements, and other financial documents. Evaluate the creditworthiness of the business by assessing cash flow, repayment capacity, credit history, and debt obligations. Ensure all applications meet internal policy and regulatory compliance before underwriting decisions. · Ensure strict adherence to internal credit policies and regulatory guidelines throughout the underwriting process. Maintain accurate and organized documentation of all application assessments, decisions, and communication. Identify and escalate any risks, irregularities, or red flags promptly to senior credit underwriters or management. · Work closely with the sales, operations, and verification teams to clarify application details, expedite processing, and facilitate timely credit decisions, contributing to a balanced and high-quality loan portfolio. · Work closely with the sales, operations, and verification teams to clarify application details, expedite processing, and facilitate timely credit decisions, contributing to a balanced and high-quality loan portfolio. Qualifications/ Requirements · Bachelor’s degree in finance, Commerce, Business, Economics or related field. · 2 years’ experience in underwriting, credit analysis, or financial evaluation preferred. · Proficient in MS Excel and comfortable working with financial data. · Strong communication, analytical, and decision-making skills, · Self-starter who thrives in fast paced environments.

Company Description evfin, powered by Greaves Finance, is your go-to place for easy and affordable electric vehicle (EV) finance. We are committed to making EV ownership a reality for all with our advanced lending technology and personalized finance options. By joining evfin, you are not just purchasing an EV, but you are also participating in a movement toward a sustainable future. Role Description This is a full-time on-site role for a Loan Department Professional located in Agra. The Loan Department Professional will be responsible for processing loan applications, assessing creditworthiness, managing customer interactions, and preparing loan documentation. Additional tasks include maintaining accurate records, providing exceptional customer service, and ensuring compliance with regulatory requirements. Qualifications Experience in processing loan applications and assessing creditworthiness Skills in preparing loan documentation and maintaining accurate records Strong customer service and communication skills Knowledge of regulatory compliance in the finance industry Ability to work well in a team and independently Bachelor's degree in Finance, Business Administration, or a related field Experience in the electric vehicle or automotive finance industry is a plus

NOTE: We are considering only candidates from the Facility Management industry. Key Responsibilities: Credit Control & Collections Ensure accurate billing and timely collection of payments as per client contracts. Regular follow-up with clients for overdue invoices and resolution of disputes. Negotiate and enforce payment terms while maintaining healthy client relationships. Client & Internal CoordinationWork closely with Operations, Payroll, and Billing teams to ensure invoice accuracy. Liaise with clients’ accounts departments to resolve short payments or disputes. Reporting & P&L Accountability Monitor receivables and highlight risks impacting cash flow and profitability. Prepare and present Debtors Aging Reports, DSO (Days Sales Outstanding), and Collection vs. Billing performance to management. Analyze revenue leakages, delayed payments, and their impact on the P&L account. Support monthly/quarterly closing by reconciling revenue vs. receivables. Contribute to profitability by reducing bad debts, improving collection cycle, and ensuring correct revenue recognition. Credit Risk & Compliance Assess creditworthiness of new and existing clients before extending credit. Recommend credit limits and ensure compliance with company policies. Ensure compliance with statutory requirements and audit guidelines. Key Skills & Competencies: Strong understanding of P&L statements, balance sheet, and cash flow management. Hands-on experience in credit control, receivables, and financial reporting. Excellent negotiation and client relationship management. Analytical skills to link receivables impact with company’s profitability. Proficiency in MS Excel, Tally, SAP, or ERP systems. Qualifications & Experience: Bachelor’s in Commerce, Finance, or related field (MBA/CA Inter preferred). 5–10 years in credit control, accounts receivable, or finance. Experience in Facility management is a must. Proven track record of managing receivables with direct impact on P&L performance.

Job Title: Analyst/Senior Analyst Job Summary:The Senior Loan Processor is responsible for managing the loan processing workflow, ensuring compliance with regulatory requirements, and providing exceptional service to clients and loan officers. This role involves reviewing loan applications, verifying documentation, and coordinating with various stakeholders to facilitate timely loan closings. Key Responsibilities: Review and analyze loan applications and supporting documentation for completeness and accuracy Verify borrower information and creditworthiness through various sources Communicate with loan officers, underwriters, and clients to gather necessary information and resolve issues Ensure compliance with federal, state, and local regulations throughout the loan process Prepare and submit loan files to underwriting for approval Monitor loan status and provide updates to clients and stakeholders Assist in training and mentoring junior loan processors Maintain accurate records and documentation in accordance with company policies Qualifications: Bachelor's degree in finance, business, or a related field preferred Minimum of 5 years of experience in mortgage processing or a related role Thorough understanding of mortgage products, processes, and regulations Experience with loan processing software (e.g., Encompass, Calyx) is preferred Strong organizational skills and ability to work independently NMLS license preferred but not required Skills: In-depth knowledge of mortgage processing and underwriting guidelines Strong analytical and problem-solving skills Excellent communication and interpersonal skills Proficiency in loan processing software and Microsoft Office Suite Ability to manage multiple tasks and meet deadlines Attention to detail and accuracy Strong customer service orientation

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills . • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus.

* Credit Control Manager * About Schach Engineers: Schach Engineer Pvt Ltd offers a wide range of quality products and services that meets the needs of global customers operating in diverse and demanding markets. We are a perfect blend of the luxury of infrastructure and design competencies with quality consciousness at the core with essential certifications to compete in the global market. Designation: Credit Control Manager Department: Accounts Location: Borivali Experience: 4 to 7yrs Job Purpose: To lead and manage the credit control function of the organization, ensuring timely collection of outstanding receivables, minimizing bad debts, and maintaining healthy cash flow. The Credit Control Manager will be responsible for setting credit policies, evaluating credit risks, managing a team, and liaising with internal and external stakeholders. Key Responsibilities: 1. Credit Management Develop and implement credit control policies, procedures, and credit limits. Evaluate new and existing customer creditworthiness through financial analysis, credit scoring, and risk assessments. Approve or recommend credit limits and payment terms. 2. Receivables Management Monitor the accounts receivable ledger to ensure all debts are collected in a timely manner. Review and reconcile customer accounts regularly. Ensure accurate and timely allocation of receipts. 3. Collections Lead and manage the collections team to follow up on outstanding invoices. Resolve invoice disputes and escalate problematic cases to management. Maintain regular contact with key customers to secure payments. 4. Reporting & Analysis Prepare weekly/monthly reports on receivables, aging, DSO (Days Sales Outstanding), bad debt provisions, and collection efficiency. Highlight high-risk accounts and overdue balances to senior management. 5. Stakeholder Collaboration Work closely with the Sales, Legal, and Customer Service teams to resolve credit issues and support customer relationships. Liaise with external credit rating agencies and legal advisors when required. 6. Team Leadership Manage, train, and motivate the credit control team. Set performance KPIs and review team performance regularly. 7. Compliance Ensure adherence to company credit policies and regulatory requirements. Support internal and external audit processes.

Job Requirements Job Description: Company Name: IDFC FIRST Bank Job Title: Associate Debt Manager-Flows-2 Wheeler Loan Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > Debt Management-Flows > Field > 2 Wheeler Location: Kolkata, West Bengal, India IDFC FIRST Bank is seeking a highly motivated and experienced Associate Debt Manager to join our Retail Banking team in Kolkata, West Bengal. As an Associate Debt Manager, you will be responsible for managing the 2 Wheeler Loan portfolio and ensuring timely collections and recoveries. Key Responsibilities Manage the 2 Wheeler Loan portfolio and ensure timely collections and recoveries Monitor delinquent accounts and take necessary actions to minimize losses Conduct field visits to assess customer creditworthiness and collect overdue payments Build and maintain relationships with customers to ensure timely payments and customer satisfaction Collaborate with internal teams to develop and implement strategies for improving loan performance Stay updated on industry trends and regulations related to 2 Wheeler Loans Provide regular reports and updates on portfolio performance to senior management Qualifications Bachelor's degree in Finance, Business Administration or related field Minimum of 2 years of experience in debt management, preferably in the retail banking sector Knowledge of 2 Wheeler Loans and collections processes Strong communication and negotiation skills Ability to work independently and in a team environment Proficient in MS Office and other relevant software Willingness to travel for field visits as required We offer a competitive salary and benefits package, as well as opportunities for growth and development within the organization. If you are a self-starter with a passion for debt management and a drive to succeed, we encourage you to apply for this exciting opportunity at IDFC FIRST Bank. Additional Parameters Fluency in local language (Bengali) is preferred Knowledge of local market and customer behavior is a plus Experience in handling 2 Wheeler Loan collections in Kolkata is highly desirable

Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About Our Banking And Coverage Team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills And Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Qualifications About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Role: Senior Data Scientist- Agentic AI Experience: 5+ years in applied data science, with financial domain AI Mandatory Skills: Python, NLP, Pytorch, Tensorflow, Financial domain Location: Hyderabad Role Overview We are hiring a Senior Data Scientist to develop and deploy advanced AI/ML models powering mortgage automation agents . This role involves designing models for creditworthiness prediction, fraud detection, income verification, document intelligence, and conversational agents . The candidate will ensure models are accurate, explainable, and compliant with regulatory frameworks. Required Skills & Experience Strong experience with Python, PyTorch, TensorFlow, Scikit-learn, Hugging Face Transformers . NLP expertise: NER, summarization, Q&A, OCR (Tesseract, Amazon Textract, Azure Form Recognizer) . Deep understanding of statistical modeling, risk scoring, credit analytics, fraud detection . Experience with vector databases (Pinecone, Weaviate, FAISS, Milvus). Knowledge of MLOps tools (MLflow, Kubeflow, Weights & Biases). Familiarity with mortgage underwriting, risk modeling, KYC/AML checks . Strong foundation in responsible AI practices (fairness, accountability, transparency)

Job Description – FINTECH Executive (Loan Process) Company Name: LMES Academy Pvt. Ltd. Location: Chennai (Onsite) Experience Required: Minimum 1 Year Employment Type: Full-Time About the Role We are looking for a detail-oriented and proactive FINTECH Executive to join our team. The ideal candidate will have strong experience in loan processing, CIBIL score checks, and financial documentation. You will play a key role in ensuring smooth loan operations, customer verification, and compliance with financial standards. Key Responsibilities Handle end-to-end loan processing including application review, verification, and approval workflows. Perform CIBIL score checks and assess customer eligibility for loans. Verify customer documents such as KYC, income proof, and bank statements. Coordinate with banks, NBFCs, and internal teams for loan disbursal. Maintain accurate financial records and ensure compliance with policies. Address customer queries related to loan applications and provide solutions. Assist in risk assessment and report generation for management review. Requirements & Skills Graduate in Finance, Commerce, Economics, or related field. Minimum 1 year of experience in loan processing, credit check, or financial operations. Knowledge of CIBIL score evaluation and creditworthiness assessment. Strong understanding of KYC, RBI guidelines, and loan compliance norms. Excellent communication and interpersonal skills. Detail-oriented with strong problem-solving abilities. Proficiency in MS Office and basic fintech tools. Why Join Us? Opportunity to work in a fast-growing fintech environment. Exposure to diverse financial processes and compliance systems. Career growth and learning in the financial domain.

Business need We are seeking a highly skilled and motivated Risk Manager to join our dynamic team at Alvoral Private Limited. The candidate needs to have at least 3 to 5 years of experience in risk management within an NBFC or a bank. The Risk Executive will work closely with the credit and loan underwriting teams to ensure that the company’s loan portfolio is robust, compliant, and aligned with risk tolerance thresholds. Key Focus Area Risk Assessment: Identify and evaluate financial, operational, and strategic risks Reporting: Prepare risk reports and dashboards for management and compliance. Compliance Monitoring: Ensure adherence to regulatory and internal risk policies. Stakeholder Collaboration: Work with business units to understand and manage risks. Roles And Responsibilities He/she should have the authority to sanction secured loans, particularly Loan Against Property (LAP) and other secured products. Must have a thorough understanding of the end-to-end loan process for business loans, including LAP, MSME finance, working capital loans, and bill discounting. Should be capable of evaluating borrower creditworthiness and making independent lending decisions on secured products. Must be well-versed in financial and banking statement analysis relevant to business loans. Should be able to formulate and enforce credit risk mitigation policies regarding loan terms, interest rates, and collateral requirements. Collaborate with collections teams to manage recoveries and minimize NPA risks. Prepare and present risk reports and insights to senior management on a regular basis. Work closely with credit teams to streamline loan approval processes and align them with risk strategy. Skills And Experience Education: Bachelor's/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred). Tech Skills: Hands-on experience with LOS, LMS, credit risk models & data analytics tools. Regulatory Knowledge: Strong understanding of RBI guidelines & lending regulations. Soft Skills: Excellent communication, detail- oriented, and ability to work under pressure. Additional Information Interview Process- 2 Rounds Virtual 1 Round-could be Virtual/F2F Skills: nbfc,sop creation,policy drafting,documentation,financial services

Immediate joiners are highly preferred. We're looking for a highly skilled and experienced Manager-Financial Risk & Credit Evaluation to join our team. The ideal candidate will have a strong background in financial risk assessment, credit analysis, and a proven track record of managing credit portfolios. This role is crucial for our continued growth and stability, as you'll be responsible for evaluating and mitigating financial risks associated with our loan products. Key Responsibilities Risk Assessment & Credit Evaluation: Conduct in-depth financial risk assessments of loan applicants by meticulously evaluating financial documents, including balance sheets, profit and loss statements, and bank statements. Credit Line & CIBIL Assessment: Accurately assess credit lines and access CIBIL ratings to determine the creditworthiness of potential borrowers. You'll use this data to make informed decisions on loan approvals. Report & MIS Analysis: Analyze various financial reports, including credit bureau reports, company profiles, and market data, to identify potential risks and opportunities. You'll also be responsible for maintaining accurate MIS (Management Information System) documentation. Process Improvement: Identify and implement process efficiencies, including leveraging technology for streamlined evaluation processes, to enhance our ability to assess risk and make timely decisions. Compliance & Documentation: Ensure all credit evaluation and risk assessment processes comply with internal policies and external regulatory guidelines. Maintain meticulous and organized records of all assessments and decisions. Team Collaboration: Work closely with the sales and operations teams to facilitate a smooth loan application process, providing clear and concise feedback on credit decisions. Qualifications & Skills Educational Background: A degree in Chartered Accountancy (CA), MBA in Finance, or a Post Graduate in Finance & Credit Domain is essential. Technical Proficiency: Strong understanding of financial statements, ratios, and risk analysis techniques. Experience with credit risk software and financial modeling is a plus. Analytical Skills: Exceptional analytical and problem-solving skills with a keen eye for detail. Communication: Excellent written and verbal communication skills to articulate complex financial information clearly. Attention to Detail: Meticulous and detail-oriented approach to document evaluation and data analysis. Application Process This is an urgent hiring requirement for an immediate joiner. Interview Mode: The interview will be conducted in-person (F2F/Physical Mode Only) at our office in Gurgaon (ref:iimjobs.com)

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 1 to 3 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? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses 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? Ability to work well in a team Adaptable and flexible Agility for quick learning Commitment to quality Written and verbal communication The role requires a good understanding of credit analysis, creditworthiness, underwriting, third party report validation of commercial property, commercial lending, financial analysis, asset evaluation, and income calculation; analysis of property inspection reports, rent rolls, operating statement and preparation of letters based on the regulatory requirements; analysis of proof of payments, invoices, disbursement form, lien waivers & schedules. Expertise in commercial real estate underwriting or commercial underwriting is a must. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts, BCom,MCom,Master of Business Administration