374 Creditworthiness Jobs

Job ID: 32243 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 16 Jun 2025 Job Summary As a Standard Chartered Relationship Manager in SME Banking, you’ll be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the bank's strategic objectives. You’ll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements. Key Responsibilities To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. Contribute toward achieving the team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, colleagues in Client Due Diligence, and partners in Risk, Compliance, other support functions, and Product. Skills and Experience Minimum 5 years of relevant experience in serving Business, Commercial and Corporate clients. Experience servicing cross-border international businesses. Proven track record in client relationship management and business development. Demonstrates strong understanding of accounting principles, financial modelling, and financial statement analysis. Able to assess client creditworthiness and provide key risk considerations and mitigations. Sound product knowledge on trade, cash, lending, and FX. Strong understanding of local industries, supply and value chains, and market environment. Knowledge of operational procedures, documentation requirements, banking practices and regulations related to SME Banking. Strong understanding in business guidelines and compliance issues. Sound knowledge of financial markets and investment products. Outstanding communication and presentation skills. Motivated self-starter, identifying opportunities, providing innovative approaches to meet client needs. Maintains a high standard of personal conduct and lives our valued behaviours. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements 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. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

About the job Job Title: Financial Analyst / Sr. Financial Analyst Location: Noida Experience: 3+ Years Industry Preference: Banking, Investment Banking, Financial Services & Consulting & AIF Job Type: On-site, Full Time & Permanent Company: FinLender Capital About FinLender FinLender, headquartered in Noida, is recognized as India's most valuable Investment Bank. Over the past 12 months we have Closed 50+ marquee fundraising and special situation transactions. For finding the successful transactions by FinLender, visit the website below: www.finlender.com Promoters and Team Background: Promoters and Teams are CA, CFA, Ex-Banker, IIM, Ex Big 4, with 20+ years of experience each with experience of closing multiple transactions. India’s top 500+ lenders/Investors work with us: Which Includes Banks, NBFCs, Institutional Fund Houses, AIFs, ARCs, VCs, PEs, Hedge Funds, Family Offices, etc. Promoters/ Clients we work with: Average revenue our promoters & clients are making within range of 50 Cr to 2000 Cr, you will only be talking to Promoters, Founders & the CFO of the Company. Roles & Responsibilities : About the Role: As a Financial Analyst/Sr Financial Analyst at FinLender, you will be a key player in evaluating the creditworthiness of potential borrowers. Specialized in Debt Funding and Restructuring is responsible for overseeing the evaluation, approval, and management of credit risks for debt funding opportunities. This role requires in-depth knowledge of debt structuring, financial analysis, and risk mitigation strategies, as well as expertise in managing distressed debt portfolios. The individual will work closely with internal and external stakeholders to develop strategies for debt funding, restructuring negotiations, and ensure the end-to-end process from deal originate to disbursement, ensuring smooth execution and compliance with agreed terms. Strong knowledge of Debt Funding, Stressed Asset Financing, Special Situations Financing, and Debt Restructuring Opportunities to deliver optimal financial solutions and strategic capital structuring. Strong understanding in performing financial due diligence, engaging with clients, and executing deals to assess opportunities, build relationships, and drive successful transactions. Proficient in developing financial projections, conducting pre-credit assessments, and evaluating risks to ensure precise forecasting and adherence to regulatory requirements. Solid understanding of regulatory compliance, SOPs for documentation, and secondary market research to ensure informed decision-making and regulatory alignment. Expertise in preparing investor teasers, pitch decks, and funding proposals to effectively communicate investment opportunities and attract potential investors. Skilled in conducting thorough financial due diligence, compliance checks, and document verification to ensure regulatory adherence and operational integrity. Collaborate with the CRM team or other stake holders to manage the end-to-end lifecycle of transactions, including lead conversion, deal pipeline management, and timely disbursement of funds. Originate, structure, and negotiate financing transactions while building and maintaining strong relationships with client & channel partners for smoother operations. Oversee pre-credit assessment operations to ensure accurate and timely evaluation of potential deals, including review, negotiation, collateral management, and term sheet finalization. Utilize financial modelling, risk assessment, and CRM tools to enhance operational efficiency, decision-making, and business growth. Generate new business opportunities, including large-ticket-size deals, in collaboration with the CRM team & Channel Partner to meet and exceed revenue targets. Stay updated on market trends, regulatory changes, and industry best practices to maintain a competitive edge and support strategic initiatives. The candidate must consistently meet or exceed monthly targets in terms of revenue generation, client onboarding, MoU signup, securing LOI/TS/Sanctions, and disbursements. Skills & Abilities: Consistently meet and exceed targets in line with defined goals and performance expectations. Sound knowledge in presenting financial insights and customer documentation in alignment with CRM team protocols, ensuring accuracy and compliance. Optimize financial models and analytical tools to enhance efficiency and decision-making. Build and maintain strong relationships with clients and stakeholders to foster collaboration and drive successful outcomes. To Apply: Please send your updated resume to hr@finlender.com. #banking #arc #aif #NBFC #debtfunding #specialsituation #alternativeinvestmentfund #investmentbanking #venturecapitaldebt #nbfc #privateequity #instituationalfunding #workingcapital #termloan #corporatefunding #stressassertfunding #projectfinance #businessbanking Show more Show less

Job Description Job Profile Title Accounts Receivable Accountant Who We Are Do you want to join our Geo-data revolution? Fugro’s global reach and unique know-how will put the world at your fingertips. Our love of exploration and technical expertise help us to provide our clients with invaluable insights. We source and make sense of the most relevant Geo-data for their needs, so they can design, build and operate their assets more safely, sustainably and efficiently. But we’re always looking for new talent to take the next step with us. For bright minds who enjoy meaningful work and want to push our pioneering spirit further. For individuals who can take the initiative, but work well within a team. Accounts Receivable Process Management Develop and maintain accounts receivable processes and procedures to ensure efficient and accurate processing of customer invoices, collections, and reconciliations. Monitor and analyze accounts receivable metrics to identify areas for improvement and implement process enhancements. Ensure compliance with company policies, relevant accounting standards, and regulatory requirements. Customer Invoicing Ensure timely and accurate creation and issuance of customer invoices, ensuring proper documentation and adherence to contract terms. Coordinate with internal stakeholders, such as sales and customer service teams, to resolve any invoicing issues or discrepancies. Collections And Cash Application Manage the collections process, ensuring timely follow-up on outstanding customer balances. Develop and maintain relationships with customers to facilitate prompt payment and resolve any payment disputes. Monitor and analyze aging reports to identify delinquent accounts and take appropriate actions. Oversee the accurate and timely application of customer payments to their respective accounts. Credit Management Evaluate and monitor customer creditworthiness, including reviewing credit applications, credit limits, and credit terms. Collaborate with sales and finance teams to establish and adjust credit limits based on risk assessment. Implement and enforce credit control policies and procedures to minimize bad debt and credit risk exposure.. Account Reconciliation And Reporting Perform regular reconciliations of customer accounts, resolving any discrepancies and ensuring accuracy. Monitor and analyze accounts receivable metrics, such as days sales outstanding (DSO), collection effectiveness, and cash flow. Monitor and analyze Work in progress and retentions and familiar with revenue recognition under long term contracts. Prepare and analyze accounts receivable reports, including aging analysis and cash forecasting. Collaborate with GL team and Controllers to ensure accurate and timely financial reporting. Prepare balance sheet schedules on a monthly basis Review of monthly balance sheet reconciliations and schedules. Reconciling dedicated GL accounts, resolving any unreconciled items Support the Controller/FOM on P&L variance and balance sheet analysis Provide cost reports to internal stakeholders as required Revenue Recognition Key criteria and standards followed for Revenue Recognition of international transactions inculcated in end-to-end revenue assurance process. What We Offer Fugro provides a positive work environment as well as projects that will satisfy the most curious minds. We also offer great opportunities to stretch and develop yourself. By giving you the freedom to grow faster, we think you’ll be able to do what you do best, better. Which should help us to find fresh ways to get to know the earth better. We encourage you to be yourself at Fugro. So bring your energy and enthusiasm, your keen eye and can-do attitude. But bring your questions and opinions too. Because to be the world’s leading Geo-data specialist, we need the strength in depth that comes from a diverse, driven team. Our View On Diversity, Equity And Inclusion At Fugro, our people are our superpower. Their variety of viewpoints, experiences, knowledge and talents give us collective strength. Distinctive beliefs and diverse backgrounds are therefore welcome, but discrimination, harassment, inappropriate behavior and unfair treatment are not. Everybody is to be well-supported and treated fairly. And everyone must be valued and have their voice heard. Crucially, we believe that getting this right brings a sense of belonging, of safety and acceptance, that makes us feel more connected to Fugro’s purpose ‘together create a safe and livable world’ – and to each other. HSE Responsibilities Responsible for ensuring safety of self and others at site. Prevent damage of equipment and assets Responsible for following all safety signs/procedures/ safe working practices Responsible for using appropriate PPE’s Responsible for participating in mock drills. Entitled to refuse any to undertake any activity considered unsafe. Responsible for filling up of hazard observation card, wherever hazard has been noticed at site. Responsible for safe housekeeping of his work place. To stop any operation that is deemed unsafe To be able to operate fire extinguisher in case of fire To report an incident as soon as possible to immediate supervisor and HSE manager To complete HSE trainings as instructed to do so. Disclaimer For Recruitment Agencies Fugro does not accept any unsolicited applications from recruitment agencies. Acquisition to Fugro Recruitment or any Fugro employee is not appreciated . Show more Show less

Job Description Job Profile Title Accounts Receivable Accountant Who We Are Do you want to join our Geo-data revolution? Fugro’s global reach and unique know-how will put the world at your fingertips. Our love of exploration and technical expertise help us to provide our clients with invaluable insights. We source and make sense of the most relevant Geo-data for their needs, so they can design, build and operate their assets more safely, sustainably and efficiently. But we’re always looking for new talent to take the next step with us. For bright minds who enjoy meaningful work and want to push our pioneering spirit further. For individuals who can take the initiative, but work well within a team. Accounts Receivable Process Management Develop and maintain accounts receivable processes and procedures to ensure efficient and accurate processing of customer invoices, collections, and reconciliations. Monitor and analyze accounts receivable metrics to identify areas for improvement and implement process enhancements. Ensure compliance with company policies, relevant accounting standards, and regulatory requirements. Customer Invoicing Ensure timely and accurate creation and issuance of customer invoices, ensuring proper documentation and adherence to contract terms. Coordinate with internal stakeholders, such as sales and customer service teams, to resolve any invoicing issues or discrepancies. Collections And Cash Application Manage the collections process, ensuring timely follow-up on outstanding customer balances. Develop and maintain relationships with customers to facilitate prompt payment and resolve any payment disputes. Monitor and analyze aging reports to identify delinquent accounts and take appropriate actions. Oversee the accurate and timely application of customer payments to their respective accounts. Credit Management Evaluate and monitor customer creditworthiness, including reviewing credit applications, credit limits, and credit terms. Collaborate with sales and finance teams to establish and adjust credit limits based on risk assessment. Implement and enforce credit control policies and procedures to minimize bad debt and credit risk exposure.. Account Reconciliation And Reporting Perform regular reconciliations of customer accounts, resolving any discrepancies and ensuring accuracy. Monitor and analyze accounts receivable metrics, such as days sales outstanding (DSO), collection effectiveness, and cash flow. Monitor and analyze Work in progress and retentions and familiar with revenue recognition under long term contracts. Prepare and analyze accounts receivable reports, including aging analysis and cash forecasting. Collaborate with GL team and Controllers to ensure accurate and timely financial reporting. Prepare balance sheet schedules on a monthly basis Review of monthly balance sheet reconciliations and schedules. Reconciling dedicated GL accounts, resolving any unreconciled items Support the Controller/FOM on P&L variance and balance sheet analysis Provide cost reports to internal stakeholders as required Revenue Recognition Key criteria and standards followed for Revenue Recognition of international transactions inculcated in end-to-end revenue assurance process. What We Offer Fugro provides a positive work environment as well as projects that will satisfy the most curious minds. We also offer great opportunities to stretch and develop yourself. By giving you the freedom to grow faster, we think you’ll be able to do what you do best, better. Which should help us to find fresh ways to get to know the earth better. We encourage you to be yourself at Fugro. So bring your energy and enthusiasm, your keen eye and can-do attitude. But bring your questions and opinions too. Because to be the world’s leading Geo-data specialist, we need the strength in depth that comes from a diverse, driven team. Our View On Diversity, Equity And Inclusion At Fugro, our people are our superpower. Their variety of viewpoints, experiences, knowledge and talents give us collective strength. Distinctive beliefs and diverse backgrounds are therefore welcome, but discrimination, harassment, inappropriate behavior and unfair treatment are not. Everybody is to be well-supported and treated fairly. And everyone must be valued and have their voice heard. Crucially, we believe that getting this right brings a sense of belonging, of safety and acceptance, that makes us feel more connected to Fugro’s purpose ‘together create a safe and livable world’ – and to each other. HSE Responsibilities Responsible for ensuring safety of self and others at site. Prevent damage of equipment and assets Responsible for following all safety signs/procedures/ safe working practices Responsible for using appropriate PPE’s Responsible for participating in mock drills. Entitled to refuse any to undertake any activity considered unsafe. Responsible for filling up of hazard observation card, wherever hazard has been noticed at site. Responsible for safe housekeeping of his work place. To stop any operation that is deemed unsafe To be able to operate fire extinguisher in case of fire To report an incident as soon as possible to immediate supervisor and HSE manager To complete HSE trainings as instructed to do so. Disclaimer For Recruitment Agencies Fugro does not accept any unsolicited applications from recruitment agencies. Acquisition to Fugro Recruitment or any Fugro employee is not appreciated . Show more Show less

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. Show more Show less

Job Information Company Accumn Date Opened 06/17/2025 Job Type Full time Work Experience 3-8 years Industry Financial Services City Pune State/Province Maharashtra Country India Zip/Postal Code 411001 About Us Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles. Job Description About the company: Accumn - a Yubi company, is India’s most advanced AI-first credit decisioning platform, integrating machine learning (ML) and generative artificial intelligence (GenAI) to empower credit managers with precise, data-driven tools for fair and transparent lending decisions. Formed through the strategic consolidation of Corpository and FinFort, Accumn offers a comprehensive suite of solutions to support the entire credit lifecycle—from lead generation and risk management to post-disbursement monitoring. With over 1 lakh active banking and credit users, Accumn has achieved a 66% reduction in credit processing time and boasts an 85% success rate in predicting defaults. The platform has over 5 lakh entities under credit monitoring. The company has been recognized for “Best Use of AI & ML Models for Credit Default Prediction” by Banking Frontiers and “Best Use of AI in Risk Evaluation” by Dun & Bradstreet. Visit www.hello.accumn.ai and www.go-yubi.com to learn more. About the Role: We are seeking a dynamic and results-driven Senior Associate to drive our sales efforts in delivering innovative credit underwriting and risk assessment solutions to Banks/Fintech/NBFC/FIs. The ideal candidate will have extensive experience in sales leadership within the Fintech, banking, or financial services industry, with a proven track record of driving revenue growth, building strong client relationships, and leading high-performing sales teams. She/He will be responsible for developing and executing a strategic sales identifying key business opportunities. Requirements What we look for: Minimum of 3-8 years of sales experience in the fintech, banking, or financial services industry, with a focus on B2B sales of complex software or technology solutions with at least 2 to 3 years focused on selling to Banks/NBFC or Fintech or BFSI segment in India. Proven track record of successfully selling FinTech solutions, preferably in the areas of credit underwriting & risk assessment, lending or financial services, to banks/Fintech or BFSI clients. Strong knowledge of the BFSI sector, the Forensics industry, with a deep understanding of the credit evaluation process. - including financial analysis and ratio analysis to check creditworthiness of any company/business. Well-versed in other key factors such as GST, external ratings, legal matters, and other related parameters that influence credit assessments. Familiarity with the BFSI landscape in India, specifically credit risk assessment technologies and tools. Ability to travel as needed to meet with clients, attend industry events, and oversee business development initiatives.

Skills: sales, Business-to-Business (B2B), Lead Generation, Negotiation, Team Leadership, Sales Strategy, Channel Sales, Role: Sales Manager Exp: 2-4 Years Location: Kolkata Qualification: MBA Job Description: - Achieve monthly, quarterly, and yearly sales targets for the assigned territory. Develop and implement dealer-level plans to meet business objectives and work proactively towards target achievement. Drive growth for both core and high-priority products. Analyse territory data to identify opportunities, address gaps, and implement targeted strategies. Expand the dealer network by on boarding new dealers and boosting engagement. Address and resolve dealer queries promptly to maintain strong, productive relationships. Coordinate with internal teams to ensure product, service, and promotional material availability for dealers. Implement and manage marketing strategies, including promotions, pricing, product mix, and distribution policies. Collect receivables per company norms and conduct periodic creditworthiness reviews of business partners. Conduct regular meetings with architects, interior designers, and builders to establish relationships, understand project requirements, and promote the companys products and solutions. Identify opportunities for collaboration and drive business growth through strategic partnerships. Organize and execute training sessions for dealers to enhance their knowledge of products, sales techniques, and market trends. Ensure dealers are equipped with the tools and skills necessary to represent the brand effectively and achieve sales targets. Provide senior management with detailed sales reports and market analyses, offering strategic growth recommendations. Manage the sales cycle from prospecting to successful closure. Prepare and submit regular performance and client interaction reports. Utilize CRM tools and Microsoft Excel for data management and analysis Show more Show less

Company Description Aye Finance Ltd, headquartered in Gurgaon, is a new-age finance company specializing in providing business loans to small and micro enterprises across India. Since 2014, the company has shown significant growth in this underbanked segment while upholding a high standard for credit quality. Aye Finance is dedicated to leveraging technology for better financial inclusion and serving micro-enterprises nationwide in a comprehensive manner. Role Description This is a full-time on-site role as a Relationship Manager located in Navsari. The Relationship Manager will be responsible for maintaining and enhancing relationships with small and micro enterprise clients. Day-to-day tasks include conducting client meetings, assessing their financial needs, facilitating loan processing, and ensuring customer satisfaction. Qualifications Strong interpersonal and communication skills Experience in customer relationship management Good understanding of financial products and services Ability to analyze financial data and assess creditworthiness Previous experience in the financial services industry is a plus Bachelor's degree in Business Administration, Finance, or related field Show more Show less

Job Summary As a Standard Chartered Relationship Manager in SME Banking, you’ll be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the bank's strategic objectives. You’ll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements. Key Responsibilities To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. Contribute toward achieving the team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, colleagues in Client Due Diligence, and partners in Risk, Compliance, other support functions, and Product. Skills And Experience Minimum 5 years of relevant experience in serving Business, Commercial and Corporate clients. Experience servicing cross-border international businesses. Proven track record in client relationship management and business development. Demonstrates strong understanding of accounting principles, financial modelling, and financial statement analysis. Able to assess client creditworthiness and provide key risk considerations and mitigations. Sound product knowledge on trade, cash, lending, and FX. Strong understanding of local industries, supply and value chains, and market environment. Knowledge of operational procedures, documentation requirements, banking practices and regulations related to SME Banking. Strong understanding in business guidelines and compliance issues. Sound knowledge of financial markets and investment products. Outstanding communication and presentation skills. Motivated self-starter, identifying opportunities, providing innovative approaches to meet client needs. Maintains a high standard of personal conduct and lives our valued behaviours. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements 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. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers Show more Show less

About A One Advisory A One Advisory is a leading finance consulting firm specializing in credit rating advisory and financial consultancy. Established by first-generation entrepreneurs with over 30 years of experience in the finance industry, the firm has successfully executed over 2,000 assignments. Role Overview We are seeking a seasoned Senior Credit Analyst to lead our credit analysis team. This role involves overseeing financial assessments, guiding analytical processes and ensuring comprehensive credit evaluations for our clients. Key Responsibilities Team Leadership: Manage and mentor a team of associate credit analysts, fostering a collaborative and high-performance environment. Financial Analysis: Conduct in-depth analysis of balance sheets, profit and loss statements, cash flow statements and notes to accounts to assess financial health. Ratio Analysis: Evaluate key financial ratios, including liquidity, solvency and profitability to determine company strength and creditworthiness. Client Engagement: Engage with company promoters to gain insights into business operations and performance relative to industry benchmarks. Report Preparation: Guide the analytical team in preparing detailed rating notes, ensuring accuracy and compliance with industry standards. Rating Process Management: Oversee end-to-end interactions with rating agencies, ensuring timely and accurate completion of the rating process. Qualifications MBA in Finance or CA. Good communication, analytical & problem solving skills. Minimum of 4 years in credit analysis, with at least 1 year in a leadership role managing a team. Show more Show less

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 employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity Show more Show less

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. Show more Show less

Position title Credit Analyst Description We are looking for a meticulous and forward-thinking Credit Analyst to join our underwriting and credit team. You will play a key role in evaluating creditworthiness, analyzing financial statements, assessing risk, and structuring optimal credit solutions for MSMEs across various sectors. This role will directly contribute to building a robust and scalable credit infrastructure for Karncy’s lending ecosystem. Job Location Hyderabad Responsibilities Conduct in-depth financial and operational analysis of MSME borrowers including balance sheet, P&L, and cash flow assessment. Evaluate customer credit applications using data from GST returns, banking transactions, trade references, and credit bureaus. Develop credit scoring models, risk assessment tools, and early warning systems for default prevention. Prepare detailed credit appraisal notes and recommendations for approval committees. Monitor and review existing portfolios to ensure timely risk mitigation and covenant compliance. Collaborate with sales, legal, and operations teams to structure and finalize credit solutions. Maintain strong knowledge of industry trends, sector risks, and policy frameworks impacting MSMEs. Engage with underwriting partners, NBFCs, and insurers to co-design risk-sharing models. Qualifications Bachelor’s/Master’s degree in Finance, Accounting, Economics, or related field. 3+ years of experience in credit underwriting, preferably in MSME, NBFC, invoice discounting, or fintech domains. Proficiency in financial modeling, ratio analysis, and risk evaluation tools. Strong analytical and communication skills with an eye for detail. Familiarity with credit bureau reports, GST analysis, and banking transaction interpretation. Understanding of RBI and regulatory frameworks for MSME lending is a plus. Preferred Attributes Prior experience in a fintech lending or invoice discounting platform. Knowledge of escrow structures, credit insurance, and alternative data underwriting. Proficiency with credit automation tools, Excel, and financial analytics platforms. Job Benefits Why Join Karncy? Be part of a mission-driven team unlocking capital for India’s growth engines – MSMEs. Shape innovative financial products in a rapidly evolving sector. Enjoy flexibility, ownership, and a collaborative work environment. Show more Show less

About A One Advisory: A One Advisory is a leading finance consulting firm specializing in credit rating advisory and financial consultancy. Established by first-generation entrepreneurs with over 30 years of experience in the finance industry, the firm has successfully executed over 2,000 assignments. Role Overview: We are seeking a seasoned Senior Credit Analyst to lead our credit analysis team. This role involves overseeing financial assessments, guiding analytical processes and ensuring comprehensive credit evaluations for our clients. Key Responsibilities: Team Leadership: Manage and mentor a team of associate credit analysts, fostering a collaborative and high-performance environment. Financial Analysis: Conduct in-depth analysis of balance sheets, profit and loss statements, cash flow statements and notes to accounts to assess financial health. Ratio Analysis: Evaluate key financial ratios, including liquidity, solvency and profitability to determine company strength and creditworthiness. Client Engagement: Engage with company promoters to gain insights into business operations and performance relative to industry benchmarks. Report Preparation: Guide the analytical team in preparing detailed rating notes, ensuring accuracy and compliance with industry standards. Rating Process Management: Oversee end-to-end interactions with rating agencies, ensuring timely and accurate completion of the rating process. Qualifications: MBA in Finance or CA. Good communication, analytical & problem solving skills. Minimum of 4 years in credit analysis, with at least 1 year in a leadership role managing a team. Show more Show less

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. Show more Show less

Financial Analysis: Gathering, analyzing, and interpreting financial data to identify trends, risks, and opportunities. Reporting: Preparing financial reports and presentations for internal and external use. Data Entry and Management: Maintaining accurate financial records and databases. Budgeting and Forecasting: Assisting with the budgeting process, developing financial forecasts, and analyzing variances. Client Support: Providing support to clients, particularly in junior financial advisor roles. Audits and Compliance: Helping with audit procedures and ensuring compliance with financial regulations. Financial Modeling: Creating and maintaining financial models to support decision-making. Data Visualization: Creating charts and graphs to communicate financial information effectively. Communication: Communicating financial information clearly and concisely to various stakeholders. Collaboration: Working with other departments to support financial operations. Skills Required: Analytical Skills: Strong ability to analyze financial data and identify trends. Problem-Solving Skills: Ability to identify and resolve financial issues. Communication Skills: Ability to communicate financial information clearly and concisely. Financial Literacy: Understanding of financial concepts and accounting principles. Proficiency in Software: Experience with financial software and analytical tools. Time Management: Ability to manage multiple tasks and meet deadlines. Attention to Detail: Accuracy in data entry and analysis. Adaptability: Ability to learn new skills and adapt to changing business needs. Common Entry-Level Finance Roles: Financial Analyst: Analyzing financial data and providing insights for decision-making. Junior Financial Analyst: Assisting senior analysts with research and analysis. Accounting Assistant: Assisting accountants with various tasks, including data entry and reconciliation. Finance Clerk: Performing clerical duties for the finance department. Junior Financial Advisor: Providing support to financial advisors and clients. Credit Analyst: Evaluating the creditworthiness of potential borrowers. Tax Preparer: Preparing tax returns and other tax documents. Job Types: Full-time, Permanent, Fresher Pay: ₹18,000.00 - ₹38,000.00 per month Benefits: Provident Fund Schedule: Day shift Work Location: In person

About The Role Grade Level (for internal use): 10 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Design and implement innovative software solutions to enhance S&P Ratings' cloud-based data platforms. Mentor a team of engineers fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in computer science, Information Systems, Engineering, equivalent or more is required Proficient with software development lifecycle (SDLC) methodologies like Agile, Test-driven development 7+ years of development experience in enterprise products, modern web development technologies Java/J2EE, UI frameworks like Angular, React, SQL, Oracle, NoSQL Databases like MongoDB Experience designing transactional/data warehouse/data lake and data integrations with Big data eco system leveraging AWS cloud technologies Exp. with Delta Lake systems like Databricks using AWS cloud technologies and PySpark is a plus Thorough understanding of distributed computing Passionate, smart, and articulate developer Quality first mindset with a strong background and experience with developing products for a global audience at scale Excellent analytical thinking, interpersonal, oral and written communication skills with strong ability to influence both IT and business partners Superior knowledge of system architecture, object-oriented design, and design patterns. Good work ethic, self-starter, and results-oriented Excellent communication skills are essential, with strong verbal and writing proficiencies Additional Preferred Qualifications Experience working AWS Experience with SAFe Agile Framework Bachelor's/PG degree in Computer Science, Information Systems or equivalent. Hands-on experience contributing to application architecture & designs, proven software/enterprise integration design principles Ability to prioritize and manage work to critical project timelines in a fast-paced environment Excellent Analytical and communication skills are essential, with strong verbal and writing proficiencies Ability to train and mentor 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. 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: 312486 Posted On: 2025-05-14 Location: Mumbai, Maharashtra, India Show more Show less

About The Role Grade Level (for internal use): 12 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in computer science, Information Systems, Engineering, equivalent or more is required Proficient with software development lifecycle (SDLC) methodologies like Agile, Test-driven development Total 12+ years of experience with 8+ years designing enterprise products, modern data stacks and analytics platforms 6+ years of hands-on experience contributing to application architecture & designs, proven software/enterprise integration design patterns and full-stack knowledge including modern distributed front end and back-end technology stacks 5+ years full stack development experience in modern web development technologies, Java/J2EE, UI frameworks like Angular, React, SQL, Oracle, NoSQL Databases like MongoDB Exp. with Delta Lake systems like Databricks using AWS cloud technologies and PySpark is a plus Experience designing transactional/data warehouse/data lake and data integrations with Big data eco system leveraging AWS cloud technologies Thorough understanding of distributed computing Passionate, smart, and articulate developer Quality first mindset with a strong background and experience with developing products for a global audience at scale Excellent analytical thinking, interpersonal, oral and written communication skills with strong ability to influence both IT and business partners Superior knowledge of system architecture, object-oriented design, and design patterns. Good work ethic, self-starter, and results-oriented Excellent communication skills are essential, with strong verbal and writing proficiencies Additional Preferred Qualifications Experience working AWS Experience with SAFe Agile Framework Bachelor's/PG degree in Computer Science, Information Systems or equivalent. Hands-on experience contributing to application architecture & designs, proven software/enterprise integration design principles Ability to prioritize and manage work to critical project timelines in a fast-paced environment Excellent Analytical and communication skills are essential, with strong verbal and writing proficiencies Ability to train and mentor 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. 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), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312492 Posted On: 2025-05-14 Location: Mumbai, Maharashtra, India Show more Show less

Key Responsibilities of an Accounts Receivable Professional: Invoicing: Creating and sending accurate invoices to customers for goods or services provided. Payment Processing: Receiving and recording customer payments through various methods (cash, checks, credit cards, electronic transfers). Reconciling Accounts: Ensuring that all transactions are accurately recorded and matched with customer accounts. Collections: Monitoring accounts for overdue payments, contacting customers to request payment, and managing delinquent accounts. Maintaining Records: Keeping detailed and organized records of all accounts receivable transactions and related documentation. Reporting: Generating reports on outstanding balances, aging of accounts, and other key performance indicators (KPIs). Customer Service: Addressing customer inquiries related to billing, payments, and account status. Credit Management: Assessing customer creditworthiness and determining appropriate credit limits. Collaboration: Working with other departments (sales, customer service, accounting) to resolve billing or payment issues. Skills and Qualifications: Accounting and bookkeeping knowledge: Understanding accounting principles and procedures related to accounts receivable. Proficiency in accounting software and systems: Experience with ERP systems (e.g., ZohoBooks, SAP, Oracle) and other relevant software. Data entry and analysis: Ability to accurately enter data and analyze financial information. Communication and interpersonal skills: Effective written and verbal communication for interacting with customers and colleagues. Problem-solving and analytical skills: Ability to identify and resolve discrepancies and issues related to payments. Attention to detail: Ensuring accuracy in all aspects of accounts receivable management. Organization and time management: Ability to prioritize tasks and manage deadlines. Bachelor's degree in accounting or finance (preferred): Entry-level positions may not always require a degree, but it is often preferred for more advanced roles.

Job description Job Description: Branch Credit Manager (NBFC – HL, LAP & IL) Position Title: Branch Credit Manager Department: Non-Banking Financial Company (NBFC) Specialization: Home Loans (HL), Loan Against Property (LAP), and Individual Loans (IL) Location: Kaithal Reporting To: Branch Manager/Regional Credit Manager Company Description Founded in 1996, PREMIUM FINLEASE PVT. LTD. is a registered NBFC dedicated to providing tailored financial solutions to underserved communities in rural and semi-urban India. With a strong focus on Home Loans, Loan Against Property, and Individual Loans, we aim to empower individuals and families with accessible and transparent credit options. Our customer-centric approach and commitment to financial literacy ensure that clients can confidently manage their finances and achieve their long-term financial goals. Role Overview We are seeking a detail-oriented and analytical Branch Credit Manager to oversee the credit operations for Home Loans, Loan Against Property, and Individual Loans. The ideal candidate will be responsible for credit assessment, maintaining a high-quality loan portfolio, and mitigating risks while supporting the branch’s growth objectives. This position requires thorough knowledge of loan products, credit policies, and regulatory compliance. Key Responsibilities Credit Assessment and Approval Evaluate loan applications for HL, LAP, and IL customers based on creditworthiness, property valuation (where applicable), and repayment capacity. Conduct comprehensive due diligence, including financial analysis, documentation verification, field/property visits, and credit scoring. Approve or recommend loans within delegated authority limits, ensuring alignment with organizational credit policies. Risk Management Monitor and ensure adherence to credit policies, underwriting guidelines, and risk mitigation frameworks. Identify potential risks within the HL, LAP, and IL portfolios, taking proactive measures to minimize defaults and delinquencies. Regularly analyze portfolio trends and implement strategies to control Non-Performing Assets (NPA). Loan Portfolio Management Oversee the branch’s HL, LAP, and IL portfolios to ensure balanced growth and profitability. Track loan disbursements, repayments, and overdue accounts, implementing timely recovery measures. Maintain credit-to-risk ratios in line with company standards and growth objectives. Team Collaboration Work closely with the sales team to ensure high-quality loan sourcing and origination. Provide guidance and training to loan officers on credit assessment and risk management best practices. Support branch operations and collaborate with cross-functional teams to achieve overall business targets. Customer Relationship Management Engage with customers to understand their financing needs and offer customized solutions. Address customer concerns related to credit decisions promptly and maintain positive customer relationships. Compliance and Reporting Ensure all credit processes and decisions comply with internal policies and external regulatory guidelines. Prepare and submit periodic credit-related reports to the Branch Manager and Regional Credit Manager. Coordinate with auditors, regulatory bodies, and internal stakeholders during inspections or reviews. Key Performance Indicators (KPIs) Approval rate of quality loan applications (HL, LAP, IL) Reduction in delinquency and NPA levels Turnaround time (TAT) for loan processing and disbursement Portfolio health and customer satisfaction scores Compliance with credit policies and audit standards Qualifications and Experience Educational Requirements Bachelor’s degree in Finance, Accounting, Business Administration, or a related field (Master’s degree preferred). Professional Experience Minimum of 5 years of experience in credit assessment or underwriting, preferably within HL, LAP, or IL segments in NBFCs/Banks. In-depth understanding of property valuation, mortgage lending, and credit underwriting techniques. Technical Skills Proficiency in Loan Management Systems (LMS) and financial analysis tools. Familiarity with regulatory guidelines relevant to NBFCs and mortgage lending. Key Competencies Analytical Thinking and Attention to Detail Decision-Making and Problem-Solving Skills Customer-Centric Approach Effective Communication and Interpersonal Skills High Ethical Standards and Integrity Team Collaboration and Leadership Why Join Us? Be part of a mission-driven organization focused on financial inclusion and empowerment. Competitive compensation and robust career growth opportunities. Collaborative and dynamic work environment with exposure to diverse loan products. Access to professional development and training programs that enhance credit and leadership skills. Show more Show less

Branch Credit Manager(HL,Lap,IL) Job Title: Branch Credit Manager – IL, Housing Loans, & MSME Loans Company: Premium fin lease Pvt.Ltd. Location: Hisar Employment Type: Full-Time Job Summary We are seeking a dedicated and experienced Branch Credit Manager to oversee and manage our Individual Loan (IL), Housing Loan, and MSME Loan portfolios. The ideal candidate will have a strong background in credit analysis, underwriting, portfolio management, and team leadership. This role demands a proactive professional who can optimize credit processes, ensure compliance with regulatory norms, and contribute to the overall growth and profitability of the branch. Key Responsibilities Credit Appraisal & Underwriting Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans. Perform thorough financial and risk assessments, including analysis of credit reports, financial statements, collateral, and market conditions. Make well-researched, data-driven credit decisions in line with the company’s risk appetite. Portfolio Management Monitor and manage loan portfolios, ensuring timely repayment and minimal delinquency. Continuously track borrowers’ creditworthiness, market changes, and early-warning signals to mitigate risks. Develop strategies to improve asset quality and reduce Non-Performing Assets (NPAs). Compliance & Risk Management Ensure adherence to internal credit policies, regulatory guidelines (RBI/NBFC norms), and compliance standards. Maintain accurate documentation, records, and audit trails for all loan files. Implement internal controls to safeguard assets and uphold the organization’s credit integrity. Branch Operations & Team Leadership Lead and mentor the credit team at the branch, providing guidance on complex credit assessments and underwriting decisions. Collaborate closely with the sales and operations teams to streamline loan processing and enhance the customer experience. Organize training and capacity-building sessions on credit policies, risk assessment, and best practices for team members. Relationship Management Build and maintain strong relationships with local customers, community stakeholders, and referral partners. Represent the NBFC in local forums and events to promote brand visibility and business growth. Coordinate with external agencies (valuation, legal, verification) to facilitate smooth credit processing. Reporting & Analysis Prepare regular reports on key portfolio metrics, delinquency trends, and credit performance for senior management. Leverage data analytics and market insights to forecast credit demand and identify new business opportunities. Provide feedback and recommendations on product enhancements, process improvements, and new credit initiatives. Qualifications & Requirements Education: Bachelor’s degree in Finance, Commerce, Business Administration, or a related field. A Master’s degree or a professional certification (CA, MBA, CFA, etc.) will be preferred. Experience: Minimum 5+ years of experience in credit underwriting, credit appraisal, or a similar role within an NBFC or a bank. Proven track record in handling Individual Loans (IL), Housing Loans, and MSME Loans is mandatory. Technical Skills: Strong knowledge of credit risk assessment tools and methodologies. Proficiency in MS Office (Excel, Word, PowerPoint) and familiarity with loan origination systems or relevant software. Soft Skills: Excellent communication and interpersonal skills for customer interactions and internal coordination. Strong analytical, decision-making, and problem-solving abilities. Ability to work under pressure, meet targets, and manage multiple priorities. Leadership skills to guide, mentor, and motivate the branch credit team. Key Competencies In-depth understanding of credit risk and lending regulations in the NBFC sector. Customer-centric mindset with the ability to balance business objectives and risk management. Strategic thinking and continuous improvement approach to enhance credit processes and portfolio quality. Ethical conduct and integrity in all decision-making and stakeholder interactions. Why Join Us Growth Opportunities: Work in a dynamic environment with prospects for professional advancement. Impactful Role: Contribute to financial inclusion by extending credit to individuals, families, and businesses in need. Collaborative Culture: Be part of a supportive team that values innovation, integrity, and excellence. Competitive Compensation: Attractive salary package, incentives, and benefits commensurate with experience. Show more Show less

Branch Credit Manager(HL,Lap,IL) Job Title: Branch Credit Manager – IL, Housing Loans, & MSME Loans Company: Premium finlease Pvt.Ltd. Location: Bhiwani Employment Type: Full-Time Job Summary We are seeking a dedicated and experienced Branch Credit Manager to oversee and manage our Individual Loan (IL), Housing Loan, and MSME Loan portfolios. The ideal candidate will have a strong background in credit analysis, underwriting, portfolio management, and team leadership. This role demands a proactive professional who can optimize credit processes, ensure compliance with regulatory norms, and contribute to the overall growth and profitability of the branch. Key Responsibilities Credit Appraisal & Underwriting Evaluate, appraise, and underwrite credit proposals for IL, Housing Loans, and MSME Loans. Perform thorough financial and risk assessments, including analysis of credit reports, financial statements, collateral, and market conditions. Make well-researched, data-driven credit decisions in line with the company’s risk appetite. Portfolio Management Monitor and manage loan portfolios, ensuring timely repayment and minimal delinquency. Continuously track borrowers’ creditworthiness, market changes, and early-warning signals to mitigate risks. Develop strategies to improve asset quality and reduce Non-Performing Assets (NPAs). Compliance & Risk Management Ensure adherence to internal credit policies, regulatory guidelines (RBI/NBFC norms), and compliance standards. Maintain accurate documentation, records, and audit trails for all loan files. Implement internal controls to safeguard assets and uphold the organization’s credit integrity. Branch Operations & Team Leadership Lead and mentor the credit team at the branch, providing guidance on complex credit assessments and underwriting decisions. Collaborate closely with the sales and operations teams to streamline loan processing and enhance the customer experience. Organize training and capacity-building sessions on credit policies, risk assessment, and best practices for team members. Relationship Management Build and maintain strong relationships with local customers, community stakeholders, and referral partners. Represent the NBFC in local forums and events to promote brand visibility and business growth. Coordinate with external agencies (valuation, legal, verification) to facilitate smooth credit processing. Reporting & Analysis Prepare regular reports on key portfolio metrics, delinquency trends, and credit performance for senior management. Leverage data analytics and market insights to forecast credit demand and identify new business opportunities. Provide feedback and recommendations on product enhancements, process improvements, and new credit initiatives. Qualifications & Requirements Education: Bachelor’s degree in Finance, Commerce, Business Administration, or a related field. A Master’s degree or a professional certification (CA, MBA, CFA, etc.) will be preferred. Experience: Minimum 5+ years of experience in credit underwriting, credit appraisal, or a similar role within an NBFC or a bank. Proven track record in handling Individual Loans (IL), Housing Loans, and MSME Loans is mandatory. Technical Skills: Strong knowledge of credit risk assessment tools and methodologies. Proficiency in MS Office (Excel, Word, PowerPoint) and familiarity with loan origination systems or relevant software. Soft Skills: Excellent communication and interpersonal skills for customer interactions and internal coordination. Strong analytical, decision-making, and problem-solving abilities. Ability to work under pressure, meet targets, and manage multiple priorities. Leadership skills to guide, mentor, and motivate the branch credit team. Key Competencies In-depth understanding of credit risk and lending regulations in the NBFC sector. Customer-centric mindset with the ability to balance business objectives and risk management. Strategic thinking and continuous improvement approach to enhance credit processes and portfolio quality. Ethical conduct and integrity in all decision-making and stakeholder interactions. Why Join Us Growth Opportunities: Work in a dynamic environment with prospects for professional advancement. Impactful Role: Contribute to financial inclusion by extending credit to individuals, families, and businesses in need. Collaborative Culture: Be part of a supportive team that values innovation, integrity, and excellence. Competitive Compensation: Attractive salary package, incentives, and benefits commensurate with experience. Show more Show less

Hello go-getter We know that a business only thrives if our people are thriving. That’s why we always put our people first. Our global and diverse team would be happy to support you and challenge you to grow in many ways. Who knows where our joint journey will take you? Siemens Global Business Services (GBS) is a Siemens Service Company that provides innovative digital solutions and customer-oriented business services. With more than 20 years of experience, Siemens GBS taps into its understanding of how organizations and businesses work to seamlessly integrate, digitalize and optimize business processes with a portfolio that covers end-to-end business needs. You’ll make an impact by: Order Entry Receive order from the customer. Validate order details (product, quantity, price, terms). Enter order into the system (ERP/CRM). Order Management Check inventory availability. Confirm order with customer. Schedule delivery or production. Credit Management Perform credit check. Approve or decline order based on creditworthiness. Communicate credit decisions to the sales team and customer. Order Fulfillment Pick and pack items from inventory. Generate shipping documents. Ship the order to the customer. Confirm delivery. Invoicing Generate invoice based on order and delivery confirmation. Send invoice to the customer. Record invoice in the accounting system. Accounts Receivable Monitor outstanding invoices. Send payment reminders and follow-ups. Resolve any billing disputes. Cash Application Receive payment from the customer. Apply payment to the correct invoice. Update the accounts receivable ledger. Reporting and Analysis Generate reports on sales, outstanding receivables, and payment status. Analyze trends and identify areas for process improvement. Provide insights to management and other stakeholders. You’ll win us over by: A university degree. Around 2 years of experience in order processing, logistics, customer service (gained preferably in the technical sector, SSC/BPO). Knowledge of ERP software (preferably Salesforce) and/or educational background in logistics. Ability to work in a team. Good communication and customer service skills. Open-mindedness and constructive attitude to performed tasks. Willingness to work for extended hours on weekdays/ weekends during month end / quarter end close. Create a better #TomorrowWithUs! We value your unique identity and perspective and are fully committed to providing equitable opportunities and building a workplace that reflects the diversity of society. Come bring your authentic self and create a better tomorrow with us. Protecting the environment, conserving our natural resources, fostering the health and performance of our people as well as safeguarding their working conditions are core to our social and business commitment at Siemens. They are an integral part of our Business Conduct Guidelines and our corporate strategy. This role is based in Bangalore. But you’ll also get to visit other locations in India and globe, so you’ll need to go where this journey takes you. In return, you’ll get the chance to work with teams impacting entire cities, countries and the shape of things to come. We’re Siemens. A collection of over 312,000 minds building the future, one day at a time in over 200 countries. Show more Show less

About Company Artha Energy Resources is a developer and owner of Solar Energy Projects. The organisation provides IPP solutions, EPC and O&M solutions to C&I customers accross 17 states in India. Manager – Renewable Energy Investments and Channel Partner Development Job Description Portfolio Management Collect data on the performance of the renewable energy asset portfolio owned by the organisation and the investors connected with the organisation Analyse the variance of actual portfolio P&L vs budgeted P&L Work with the operations team to improve the yields of the portfolio Prepare detailed reports for the management Deal Flow Generation and Database Management Source profitable investment opportunities by developing a channel partner network of financial intermediaries, consultants, brokers and EPCs Gather relevant data to analyse the project viability Maintain the database as per the internal policies of the organisation Financial Modeling Assess the off-taker's creditworthiness and research the litigation and financial background of the off-taker and its promoters and directors. Provide a detailed report for approving a potential off-taker Decide upon the ROI for the project Use the company‘s financial model for generating Power Tariffs for greenfield projects based upon the inputs received from the Business Development, Engineering and Operations Team Acquisition Opportunities Analyse acquisition opportunities from techno-commercial basis by evaluating the PPAs, Existing Contracts, Past Asset Performance and Asset Quality. Work with the management to decide upon the ROI and acquisition price Channel Partner Meetings Preparing for meetings via structured research about the target investor/channel partner Having effective meetings to: Understand the investor/channel partner experience, background, preferences, tickets sizes and internal ecosystem of the channel partner Position Artha Energy Resources as the best partner for the channel partner Conversion Negotiate win-win deals Maintain profitability as per management guidelines Channel Partner Coordination Write emails professionally to record all discussions with the channel partner Write quarterly update emails to current and potential channel partners to keep them updated about the company's progress Be the interface between the channel partner and the operations team from term sheet to final deal closure. Qualifications 3 Years Experience in Renewable Energy investments or channel partner development for Solar Strong Financial modelling skills Competency in MS Word, PowerPoint and Excel Fluency in English, Strong persuasion and rapport-building skills Passion for creating impact and a win-win philosophy. Skills: portfolio management renewable energy investments ms excel communication ms word negotiation data analysis renewable energy channel partner development financial modeling investmentsms powerpoint

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD Business Financial Services Unit Aditya Birla Finance Limited Location Poornata Position Number of the job Reports to: Poornata Position Number Poornata Position Title of the job (30 characters max) Area Sales Head Reports to: Poornata Position Title Regional Sales Head/Cluster Sales Head Function Sales Reports to: Function Sales Department Retail LAP - Tier 1 DSA Channel Reports to: Department SME Designation of the Employee Area Sales Head Designation of the Manager Regional Sales Head/Cluster Sales Head Date of writing/updation of JD 20th Nov 2023 1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) To set business objectives for area in line with the Retail LAP Tier 1 business unit objectives of book size, profitability, MIS & portfolio management, team building etc.; to devise business strategies for Area wise achievement of business objectives and to execute the SME business’ distribution strategy by managing Retail DSA Channel Partners. To ensure the end-to-end management of SME transactions with superior product delivery and to monitor the credit quality of new acquisitions 2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job Retail LAP - Tier I Parameters Measurement Unit Last Year Current Year (LE) Next Year (Proj) FY 22-23 FY 23-24 FY 24-25 Closing Book Amt In Cr 6,048 7,800 10,700 No. of Customers (Lan) Count 5,300 6,500 9,000 Disbursement Amt In Cr 3,525 4,000 4,500 Locations/Branches Count 40 55 70 Revenue-(NII + Fee Income ) Amt In Cr 272 327 375.0 PBT Amt In Cr 191.6 226.0 255.0 PAT Amt In Cr 143 168 189 CIR % 33.4% 31% 31% ROA % 2.72% 2.55% 2.50% ROE % 18.15% 19.50% 19.00% Insurance –Xsell Net Amt In Cr 15.0 20.0 27.5 Quality/GNPA % 183 165 150 Bounce % % 16.0% 13% 11% Sales + Collection + Support (Head Count) Count 160 225 275 DSA’s & Vendor Count 1,750 2,250 2,500 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters) Aditya Birla Finance Limited ("ABFL"), a lending subsidiary of Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in areas of personal finance, SME finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. ABFL is registered with RBI as a systemically important non-deposit accepting non-banking finance company (“NBFC”) and is amongst the top five largest private diversified NBFCs in India based on AUM. For the FY ended 31st March 2023, ABFL has a book size of Rs. 66,923 Crores, net PAT of Rs 1287 Crores and net worth of 7,784 crores. The Net Interest Margin expanded by 53 bps y-o-y to 7.35% and ROA at 2.47%. ABFL’s long-term credit rating of AAA (Stable) has been reaffirmed by ICRA in February 2023. ABFL also has a long-term credit rating of AAA (Stable) by India Ratings, Perpetual debt credit rating of AA+ (Stable) by ICRA and AA+ (Stable) by India Ratings (Stable) and short-term credit rating of A1+ by ICRA & India Ratings. SME caters to the varied needs of a diverse set of customers across retail, HNI, ultra HNI, Micro, Small & Medium enterprises. It encompasses a wide variety of financing solutions for clients, ranging Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals] against a wide array of lending programs, each of which aims to estimate the client’s repayment capability accurately before the company to take an exposure. The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others. Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, Cash flows, customers & suppliers, success factors and dependencies needs to be considered given these are long term exposures [ranging upto 15 years]. The financials are assessed to understand the repayment capability in the near and long term. Collateral assessment is another complex part of the underwriting process involving checking the structural stability, marketability, valuation, regulatory / local body compliance and legal veracity – all to ensure the property can be liquidated to repay the loan if required in case of customer default. Lending is often structured to meet the client needs by deriving comfort through the hard collateral [can be a ready or under-construction property / project] and cash flows [in form of rentals, or project cash-flows – both against sold/ unsold receivables]. For the FY ended 31st March 2023, SME is significant contributor to ABFL’s Portfolio ( 35% of ABFL Book Size ) with a closing book of 23,133 crs SME has been delivering all-time high PBT of almost 563.3 crs and has posted 3.04% of ROA for FY23 SME has moved into segmented strategy model with further focus on client types considering their different complexities and expectations In Retail LAP – Tier 1 Business, robust & tiered distribution network has been put in place to expand retail footprint of SME Business to More than 75 locations across pan India with key intent to add to the Topline numbers and create a sizeable and profitable at the same time quality Portfolio. To bring in more focus on distribution and channel engagement we propose the following structure wherein Tier 1 is divided into 2 verticals: 1. Alternate Channel Business which will source from Corporate channels and 2. Retail Channel which will source from Non-Corporate channels For the FY ended 31st March 2023, Tier I has been significant contributor to SME Portfolio ( 26% of SME Book Size ) with a closing book of 6,048 crs Tier I had also delivering all-time high PBT of almost 192 crs and has posted 2.7% of ROA for FY23. Being one of the most preferred asset classes in the lending business today, this business continues to present challenge of competing with all FI’s / Banks in a highly price sensitive target segment. Key Challenges: Retail LAP – Tier I as a business faces a lot of competition from Banks, other NBFCs and Fintechs which has been intense, dynamic and ever changing considering the entry of new players in the market. Managing factors like technological advancements, changing regulations, and evolving consumer behavior Strongly imbibe the ethical way of business & drive Aditya Birla Group’s Vision & values to each and every one in the team. Develop robust processes across Credit, operations, Collections & legal. Manage profit & loss, manage portfolio, customer, customer portfolio, customer life-cycle to maintain a clean Book growth and hygiene. Spearhead & launch many campaigns to drive the business in respect to Distribution, support functions & keep the spirit & morale high for the team while imbibing the ethical way of business & drive Aditya Birla Group’s Vision & values to each and every one in the team. Manage and Monitor employee productivity and foster employee development To ensure manpower is in place to execute the desired business plan. Setting up robust, comprehensive and scalable Governance frameworks for identifying and managing risk. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Deliver Sales growth at the location and expand the customer base Identify business growth opportunities across the location, build direct/Retail DSAs channel/ new client acquisition strategies and tap growth opportunities to achieve area targets Augment the business volumes of SME lending in the location, manage client databases and tap them through Relationship Managers. Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the Area. Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the areas. Analyze product positioning and competition across the locations and develop the distribution network Scan the location market and its competitive offerings on a periodic basis, report on emerging trends and business opportunities for the SME segment to the head office Engage with retail DSA channel partners and develop a touch point management system for faster customer connectivity Conduct engagement programs and sales trainings to develop channel partners Monitor SLAs, sales efficiencies and RoIe of channels Effectively deploy schemes and prioritize sales of high revenue products and structures Drive high levels of customer satisfaction across the location through relationship managers Monitor client servicing metrics, develop relationship marketing programs and motivate RMs and channel partners to display highest levels of client servicing standards Encourage the implementation of improved processes and best practices in order to enhance operational productivity Engage with key customers on a periodic to build stronger relationships, thereby contributing to faster growth Monitor customer issues and complaints and drive necessary action to address the same Analyze and communicate information for better risk management and operational effectiveness to the management team Support the risk and review process by supervising the preparation of loan proposals and documentations to ensure controlled operations for the locations Liaise with the customers and the Risk team to provide regular information required for monitoring the creditworthiness of the proposals Prepare periodic MIS reports for profits, NPAs, new clients & report on a periodic manner to Cluster Area/Regional Heads. Team Management & Development Guide and develop RMs to facilitate better customer acquisition, retention and support, and helping them to achieve superior performance standards Nominate teams for product, behavioral and negotiation trainings and work for self development initiatives 5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) Relationship Manager - To effectively contribute towards building the SME line of business and loan book by marketing/ selling all products (LAP/LRD) and solutions to potential and existing customers at targeted yields and fee through a strong distribution network, identified and empaneled able retail DSA Channel partners through knowledge sharing and capability building. Leverage an understanding of local markets and preferences and facilitate structuring of loans in accordance, while ensuring all necessary due diligence is conducted to prevent fraudulent loans and ensure all sales processes are carried out in keeping with internal and regulatory guidelines. 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type (Max 80 Characters) Frequency Nature (Max 1325 Characters) Internal Cluster Head Relationship Managers HO HR dept Risk dept Operations dept Weekly Daily Weekly Need based Fortnightly Weekly Region business MIS, review on new market development Reviewing new leads generated & new clients developed MIS Region recruitments, performance reviews Providing market intelligence, MIS on deviations in client accounts Client servicing issues External Existing and Prospective clients Retail DSA Channel partners Daily Daily/ weekly CRM & understanding the need of new products Product and business development initiatives 7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN OFF: Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to – Manager Name Signature (needed for the hard copy) Minimum Experience Level 5 - 15 years Job Qualifications Under Graduate