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. Responsibilities Responsible for end-to-end payroll processing for US/UK/Global Payroll Processing. Responsible for the compensation reporting for both external as well as internal authorities. Commitment to control, ensuring data/ information flow has gone through proper internal controls. Review, reconcile and substantiate monthly entries to general ledger accounts for their region for various payroll and accrual entries. Working closely with Global CA counterparts in the administration of compensation reporting for responsible regions. Documentation of processes. Participation in global projects. Manage Ad-hoc requests. Experience/ Qualifications Degree in Business, Accounting or Finance. 3+ years relevant work experience. Strong PC skills, Peoplesoft, MS Word, MS Excel, Outlook Knowledge on US Domestic payroll and Taxation Knowledge of Payroll processing COMPETENCIES Excellent teamwork, interpersonal and communication skills. Details and controls oriented Flexible, can easily adapt changes 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 Same Posting Description for Internal and External Candidates Show more Show less

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. 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 Sales Director 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. The Regional Head will be responsible for developing and executing a strategic sales plan for South India (Southern Region), identifying key business opportunities, and driving the overall sales performance. This individual will work closely with our sales leadership, product, marketing, Tech teams and customer success teams to ensure that our solutions align with the evolving needs of the Financial services Sector. Position: Sales Director – Growth Location: Mumbai Mode of working: Work from office, Frequent travel. Education: Bachelor/master’s degree in business/ finance/economics or Chartered Account/CFA. Key Responsibilities: Develop and execute a comprehensive sales strategy to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Need to chalk out plan for sales target achievement on MTD, QTD, YTD basis. Identify and target new business opportunities, including generating leads, building relationships with key decision-makers, and creating tailored proposals to meet client needs. Build and maintain strong relationships with senior stakeholders/Decision makers, including Chief Risk Officers, Chief Credit Officers, Business heads of various banking verticals such as Business banking, Retail Banking, Wealth etc. Lead all phases of the sales cycle (end to end), right from initial prospecting/lead generation and relationship building to contract negotiation and deal closure. Work closely with internal teams/stakeholders to ensure the product offerings align with the specific needs of the customer. Provide feedback on market trends, customer requirements – our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties – create a win-win solution, while maintaining a focus on long-term relationships and mutual success. Track sales metrics and KPIs, providing regular reports to the executive team on sales performance, pipeline status, and revenue forecasts. Requirements What we look for: Minimum of 10+ 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. Sound Understanding of banks/NBFC/Fintech structure (verticals/segments), pain points, and decision-making structures with clear focus key decision makers. Excellent communication, presentation, with strong negotiation skills. Should be to influence decision making with internal & external stakeholders. Ability to navigate complex sales cycles and build relationships with senior-level stakeholders internally as well as within banks/NBFC/Fintech and its segments/verticals. 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. Show more Show less

Role: Credit Underwriter Experience: 1-4 Years Location : Saket (Delhi) About the Company: At WeCredit, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds. About The Role: We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit & Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the company’s risk appetite and business goals. Key Responsibilities: Review and analyze loan applications, financial documents, and credit reports Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity Make clear, data-driven underwriting decisions within defined turnaround times Ensure compliance with internal policies, regulatory norms, and credit risk standards Collaborate with sales, collections, and operations teams to ensure seamless customer journeys Continuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting records Qualifications: Bachelor’s degree in Finance, Economics, Business, or related field 1–3 years of experience in credit underwriting, preferably in NBFCs or fintech companies Strong understanding of credit risk, financial ratios, and lending practices Proficiency in MS Excel and credit scoring tools High attention to detail and strong analytical skills Ability to work independently and make sound judgments Experience in underwriting unsecured loans or digital lending platforms (Preferred) If you're someone who enjoys working with data, has a sharp eye for risk, and thrives in a dynamic environment—we’d love to hear from you! Job Type: Full-time Pay: ₹300,000.00 - ₹500,000.00 per year Benefits: Flexible schedule Schedule: Day shift Work Location: In person Speak with the employer +91 9105453268

Job Title: Sales Representative Company: RS ROASTED GRAM MILLS KUMBAKONAM - Roasted Gram Manufacturer Location: Tamil Nadu, India Job Description: As a Sales and Collection Executive at RS ROASTED GRAM MILLS KUMBAKONAM , you will be responsible for driving sales growth and ensuring timely collection of payments from customers for our roasted gram products across 60 KM RADIUS FROM KUMBAKONAM 612001 . Your role will be pivotal in expanding our market presence, maintaining strong customer relationships, and optimizing the collections process to support the company’s financial objectives. Responsibilities: 1. Sales Strategy and Planning: - Develop and implement sales strategies to achieve sales targets for roasted gram products in Tamil Nadu. - Identify potential markets and customer segments, and create action plans to tap into these opportunities. 2. Customer Relationship Management: - Build and maintain strong relationships with existing and prospective customers. - Address customer inquiries, provide product information, and resolve complaints to ensure customer satisfaction and retention. 3. Sales Execution: - Conduct sales visits and presentations to potential customers. - Negotiate and finalize sales agreements, ensuring favorable terms and conditions for the company. - Manage the entire sales cycle from lead generation to order fulfillment. 4. Order Management: - Process customer orders accurately and ensure timely delivery of products. - Coordinate with production and logistics teams to manage inventory levels and fulfill orders efficiently. 5. Market Research and Analysis: - Conduct market research to understand customer needs, preferences, and competitive landscape. - Gather and analyze data on market trends and customer feedback, providing insights to the management team for product development and improvement. 6. Collection Management: - Monitor outstanding invoices and follow up with customers to ensure timely payment collection. - Implement effective collection strategies to minimize overdue accounts and reduce bad debts. - Communicate with customers to resolve payment issues and negotiate payment plans when necessary. 7. Credit Control: - Evaluate customer creditworthiness and establish credit limits in coordination with the finance department. - Review and negotiate credit terms and conditions with customers. 8. Sales Reporting: - Prepare and submit regular sales reports, including sales performance, market trends, and customer feedback, to the management team. - Provide insights and recommendations for improving sales strategies and collection processes. 9. Cross-functional Collaboration: - Collaborate with marketing, production, and finance teams to align sales and collection activities with overall business objectives. - Coordinate promotional activities and campaigns to support sales growth and customer acquisition. 10. Compliance and Documentation: - Ensure compliance with company policies and procedures, as well as legal and regulatory requirements related to sales and collection activities. - Maintain accurate records of sales transactions, customer interactions, and payment collections. Qualifications: - Bachelor’s degree in Business Administration, Marketing, Finance, or a related field. - Proven experience in sales and collection roles, preferably in the food manufacturing or FMCG industry. - Strong negotiation, communication, and interpersonal skills. - Results-driven with a track record of achieving sales targets and collection goals. - Ability to work independently, prioritize tasks, and meet deadlines. - Proficiency in MS Office applications and CRM software. - Knowledge of local market dynamics and consumer behavior in Tamil Nadu. - Willingness to travel extensively within the assigned region. Join our team RS ROASTED GRAM MILLS KUMBAKONAM at and play a vital role in the growth and success of our roasted gram manufacturing business in Tamil Nadu. Your contributions will help us expand our market presence and ensure robust financial health. Job Types: Full-time, Permanent Pay: ₹14,000.00 - ₹20,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Compensation Package: Performance bonus Yearly bonus Schedule: Day shift Experience: Field sales: 1 year (Required) License/Certification: license (Required) Willingness to travel: 75% (Required) Work Location: In person Speak with the employer +91 9842445056

Job Title: Home Loan Sales Executive Location: Ghansoli, Navi Mumbai Company: Home First Finance Company Job Summary: Home First is looking for dynamic, proactive, and tech-savvy professionals to join our team as Home Loan Sales Executives. The role involves engaging with potential customers, understanding their needs, and offering suitable home loan solutions. You will work on inbound and outbound leads, counsel prospects, and ensure successful closures. Key Responsibilities: Make inbound/outbound calls on leads generated through company marketing efforts to pitch home loan products and ensure their closure. Counsel digital leads centrally and provide end-to-end support for home loan products. Clearly and effectively communicate and counsel prospects regarding product details and queries. Evaluate basic creditworthiness and eligibility of customers based on profile, income, and submitted documents. Ensure follow-ups by passing leads to the appropriate internal teams with complete profile information and requirements. Meet monthly sales targets assigned by the organization. Requirements: Graduate in any discipline. Strong computer knowledge and good communication skills. Confidence and ability to sell financial products effectively. Ability to think on your feet and understand customer requirements. Interactive, tech-savvy, and proactive in approach. Skills & Competencies: Sales & persuasion skills Customer service orientation Attention to detail Time management Basic understanding of credit evaluation Job Type: Full-time Pay: ₹10,000.00 - ₹20,000.00 per month Work Location: In person

Job Requirements Position: Associate Relationship Manager-LAP Company Name: IDFC FIRST Bank Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > Rural Banking > Assets > Mortgages Location: Naini, Prayagraj, Uttar Pradesh, India IDFC FIRST Bank is seeking a highly motivated and experienced Associate Relationship Manager-LAP to join our Retail Banking team. As an Associate Relationship Manager, you will be responsible for managing and growing the bank's portfolio of mortgage loans in the rural banking sector. Key Responsibilities Develop and maintain relationships with existing and potential customers in the rural banking sector Identify and acquire new customers through various channels such as referrals, cold calling, and networking Conduct thorough financial analysis and risk assessment of potential customers to determine their creditworthiness Structure and negotiate loan terms and conditions with customers Monitor and manage the performance of the existing loan portfolio, ensuring timely repayments and minimizing delinquencies Cross-sell other banking products and services to customers to increase revenue and deepen relationships Stay updated on market trends and competition to identify potential business opportunities Collaborate with other departments within the bank to provide excellent customer service and ensure smooth loan processing and disbursement Qualifications Bachelor's degree in Finance, Business Administration, or a related field Minimum of 2 years of experience in retail banking, preferably in the rural banking sector Strong understanding of mortgage loan products and processes Excellent communication and interpersonal skills Proven track record of meeting and exceeding sales targets Ability to work independently and in a team environment Proficient in MS Office and other relevant software We offer a competitive salary and benefits package, as well as opportunities for career growth and development. If you are a self-starter with a passion for sales and a drive to succeed, we want to hear from you. Apply now to join our dynamic team at IDFC FIRST Bank as an Associate Relationship Manager-LAP. Show more Show less

About The Role Grade Level (for internal use): 10 S&P Global Ratings About the Role : Senior Engineer / Lead Engineer / Senior Lead Engineer - Data Engineering S&P Global Ratings is looking for a Java/Angular full stack solid engineering technologist/individual contributor to join Ingestion Pipelines Engineering team within Data Services group, a team of data and technology professionals who define and execute the strategic data roadmap for S&P Global Ratings. The successful candidate will participate in the design and build of S&P Ratings cutting edge Ingestion pipelines solutions. 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 And Impact 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. What We’re Looking For Basic Required 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 Designing/developing enterprise products, modern tech stacks and data platforms 4+ 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 4+ years full stack development experience in 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 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 Exp. with Delta Lake systems like Databricks using AWS cloud technologies and PySpark is a plus 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 Inclusive Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering an inclusive workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and equal opportunity, 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: 313193 Posted On: 2025-03-09 Location: Mumbai, Maharashtra, India Show more Show less

Job Title: Credit Analyst Location: Pune Employment Type: Full-Time Role Overview We are seeking a dynamic and analytical Credit Analyst to join our credit risk team. The ideal candidate will be responsible for preparing robust credit models, conducting credit scoring, and drafting detailed credit memos that support sound, rapid lending decisions. This role demands strong financial acumen, a deep understanding of SME and corporate credit risk, and the ability to operate in a fast-paced, high-impact environment. Key Responsibilities Credit Modeling: Develop and maintain quantitative credit risk models to assess borrower creditworthiness and design cash-flow projection models tailored to seasonal, sector-specific SME cycles. Credit Scoring: Apply proprietary and industry-standard credit scoring techniques to MSMEs and corporate clients. Credit Memos: Draft detailed and concise credit memos to support loan approval decisions, integrating financial analysis, industry outlook, and risk assessment. Financial Analysis: Analyze financial statements, cash flows, business plans, and operational metrics to assess credit risk. Experience evaluating thin-file borrowers using alternative/behavioral data. Due Diligence: Perform background checks and validation of submitted documents for credit assessment. Portfolio Monitoring: Continuously monitor existing clients’ financial health and flag early warning signs for deteriorating credit quality. Collaboration: Work closely with Business Development, Risk, and Legal teams to structure funding solutions aligned with risk appetite and customer needs. Automation & Tools: Contribute to the development and refinement of automated underwriting tools and credit scoring models, participate in training data pipelines and validating ML-based underwriting engines. Requirements CA/CFA level 3 cleared. Bachelor’s degree in Finance, Accounting, Economics, or a related field. 2–5 years of experience in credit analysis, preferably in NBFCs, fintechs, or banks. Strong understanding of SME and corporate credit dynamics, especially in emerging markets. Experience in cash-flow-based lending and forward-looking risk assessments is highly desirable. Proficiency in financial modeling and analysis tools (Excel, Python/R/PowerBi is a plus). Excellent written and verbal communication skills; ability to write concise, data-backed credit memos. Comfortable working in a dynamic, fast-paced lending environment with quick turnaround expectations. Strong attention to detail and risk-oriented mindset. Preferred Qualifications Experience with credit scoring frameworks. Exposure to lending to sectors like manufacturing, trading, or logistics. Familiarity with alternative data and digital underwriting methods. About us RCK Analytics Private Limited provides world-class custom equity research, investment research, PE/VE research support, Investment Banking support, analytics, and assurance services to global clients. We work with financial and investment companies, private equity, asset management and hedge funds, investment banks and broking houses, market research firms, consulting firms, and various sector corporates. The environment at RCK Analytics encourages not only best performance, hard work and commitment but also have fun and work life balance. We promote an open, transparent and performance-based culture in our organization. We provide regular training and feedback to people to ensure consistent performance, skill-set enhancement and systematic growth. Show more Show less

About DMI: Led by technology, powered by creative thinking and driven by innovative partnerships, DMI is reimagining the transmission of credit in India. Founded in 2008 by Shivashish Chatterjee and Yuvraja C. Singh, and supported by a deeply experienced team, DMI has grown into a pan-India credit platform with core businesses in corporate lending, housing finance, digital consumer and MSME finance and asset management. DMI is supported by global institutional investors, strategic family offices and leading banks and public market creditors in India. Job Description: Purpose: Manage and strategize on end-to-end credit underwriting and monitoring of portfolio of personal loans through digital journey. Accountabilities: Underwriting Policies: Working on solutions for credit underwriting basis different product constructs Closely work with Data Science team to analyse of the underwriting models prepared by them and validate the performance of the same on current portfolio Determining performance benchmarks and identify course of action in case of breach Automation of Credit Policies to ensure no/minimal manual Intervention in assessing the creditworthiness Determining the right pricing basis segmentation Working on standardization of policies and processes. 2. Performance monitoring: Portfolio Analysis and recommending the policy changes to Policy head basis the outcome of the analysis Periodical credit review of the existing portfolio and conducting various analysis to identify the high-risk segments. Taking actions to mitigate the risks identified based on portfolio performance Monitor the delinquent accounts to ensure the achievement of company standards/benchmark of the delinquency. Identifying technological solutions to improve existing processes and overall portfolio management functions Analysis of various MIS to monitor portfolio performance and risk. 3. New Partner Integrations Understanding the product being offered by the new channel partner and the segment being catered to. Understanding the journey, identifying the set of information available with the channel partner and requisitioning the set of data to be provided at time of application Creation of policy basis the product, information available and prevailing models Facilitate data room exercise for new segment of customers Formulation of policy keeping the expected loss rates in consideration Monitor the implementation of policy, UAT and production test run of policy and clear the bottlenecks, if any 4. Relationship Management: - Managing relations with Partners, credit reporting agencies and assisting in all credit operations of the company Qualifications: Minimum Qualification required: Postgraduate in Finance/Statistics/Management from A institutes Qualifications preferred: BTech with MBA Skills & Knowledge: Work Experience Minimum 7 years with 3 – 4 years in risk management and policy creation Should have a fair understanding of risk performance Should have a very good communication skill. Superior Stake holder management skills- Work closely and align with each of the internal functions which includes Business development, Credit and Policy, Data science, Legal, Technology, Operations, Collections, Customer Success team and external stakeholders. Hands-on experience to work on large structured and unstructured datasets using different data processing and statistical tools is must Data driven, Analytical approach, Team Player Main Skills: - Applicant should be Proficient in - Data Analytics Model Validation Policy Formulation Portfolio Management Stake Holder Management Technical Skills: - Demonstrated Experience in R/Python (preferred), SQL (MANDATORY), Advanced Excel etc. Show more Show less

Job Title: Sales Representative Company: RS ROASTED GRAM MILLS KUMBAKONAM - Roasted Gram Manufacturer Location: Tamil Nadu, India Job Description: As a Sales and Collection Executive at RS ROASTED GRAM MILLS KUMBAKONAM , you will be responsible for driving sales growth and ensuring timely collection of payments from customers for our roasted gram products across 60 KM RADIUS FROM KUMBAKONAM 612001 . Your role will be pivotal in expanding our market presence, maintaining strong customer relationships, and optimizing the collections process to support the company’s financial objectives. Responsibilities: 1. Sales Strategy and Planning: - Develop and implement sales strategies to achieve sales targets for roasted gram products in Tamil Nadu. - Identify potential markets and customer segments, and create action plans to tap into these opportunities. 2. Customer Relationship Management: - Build and maintain strong relationships with existing and prospective customers. - Address customer inquiries, provide product information, and resolve complaints to ensure customer satisfaction and retention. 3. Sales Execution: - Conduct sales visits and presentations to potential customers. - Negotiate and finalize sales agreements, ensuring favorable terms and conditions for the company. - Manage the entire sales cycle from lead generation to order fulfillment. 4. Order Management: - Process customer orders accurately and ensure timely delivery of products. - Coordinate with production and logistics teams to manage inventory levels and fulfill orders efficiently. 5. Market Research and Analysis: - Conduct market research to understand customer needs, preferences, and competitive landscape. - Gather and analyze data on market trends and customer feedback, providing insights to the management team for product development and improvement. 6. Collection Management: - Monitor outstanding invoices and follow up with customers to ensure timely payment collection. - Implement effective collection strategies to minimize overdue accounts and reduce bad debts. - Communicate with customers to resolve payment issues and negotiate payment plans when necessary. 7. Credit Control: - Evaluate customer creditworthiness and establish credit limits in coordination with the finance department. - Review and negotiate credit terms and conditions with customers. 8. Sales Reporting: - Prepare and submit regular sales reports, including sales performance, market trends, and customer feedback, to the management team. - Provide insights and recommendations for improving sales strategies and collection processes. 9. Cross-functional Collaboration: - Collaborate with marketing, production, and finance teams to align sales and collection activities with overall business objectives. - Coordinate promotional activities and campaigns to support sales growth and customer acquisition. 10. Compliance and Documentation: - Ensure compliance with company policies and procedures, as well as legal and regulatory requirements related to sales and collection activities. - Maintain accurate records of sales transactions, customer interactions, and payment collections. Qualifications: - Bachelor’s degree in Business Administration, Marketing, Finance, or a related field. - Proven experience in sales and collection roles, preferably in the food manufacturing or FMCG industry. - Strong negotiation, communication, and interpersonal skills. - Results-driven with a track record of achieving sales targets and collection goals. - Ability to work independently, prioritize tasks, and meet deadlines. - Proficiency in MS Office applications and CRM software. - Knowledge of local market dynamics and consumer behavior in Tamil Nadu. - Willingness to travel extensively within the assigned region. Join our team RS ROASTED GRAM MILLS KUMBAKONAM at and play a vital role in the growth and success of our roasted gram manufacturing business in Tamil Nadu. Your contributions will help us expand our market presence and ensure robust financial health. Job Types: Full-time, Permanent Pay: ₹14,000.00 - ₹20,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Compensation Package: Performance bonus Yearly bonus Schedule: Day shift Experience: Field sales: 1 year (Required) License/Certification: license (Required) Willingness to travel: 75% (Required) Work Location: In person Speak with the employer +91 9842445056

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 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. Job Summary And Responsbilities Safeguard the assets and reputation of the firm by controlling and supporting the investment management division, as well as ensuring that they are in compliance with the firm’s policies and with the rules/regulations that govern global financial markets. Managing the expense payment and allocation process for private equity funds and hedge funds, monitoring and liaising with third party vendors providing the expense processing service and performing review functions Handle reporting requirements to Senior Management and to IMD. Work closely with other divisions, including Business Teams, Product Services, Operations, IT and Trading Divisions Work closely with fund administrators and auditors Skills And Relevant Experience Qualified CA / Post Graduate / MBA with experience in the alternative investment/private funds and hedge funds market and process management desired Work Experience: 3 to 7 years Basic knowledge of financial statements preparation & review; USGAAP, IFRS knowledge and experience in coordinating with Big 4 accounting firms during audit cycle is an advantage Basic industry knowledge and strong accounting knowledge is desirable Strong analytical skills and detail oriented Able to grasp new concepts quickly and work in a team environment Able to handle multiple tasks and prioritize Excellent interpersonal, client relationship and communication (written and verbal) skills Self-starter, inquisitive, enthusiastic with a strong analytical mind-set MS Office knowledge (Word, Excel) required 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 CREDIT EXECUTIVE Candidate job profile involves assessing and managing creditworthiness to minimize risk for our society. They review loan applications, analyze financial data, and make decisions on approvals and terms, while also ensuring compliance with lending regulations. This role requires strong analytical and communication skills, as well as a deep understanding of financial principles and risk management. ROLES & RESPONSIBILITIES - Monitoring the lending activities of the society and ensuring that all the loan process operate within the right credit risk Developing advanced analytics and modelling of credit and retailer risk strategy and policies Ensuring that advanced analytics are compliant with the set policies and regulations. Producing reports that are accurate, insightful and relevant to society. Managing specifications, implementations and testing of loan strategy changes Supporting a loan process to perform better credit life cycle and risk analysis Working with loan hypothesis and a backend team to enhance the capabilities of a business Reviewing and assessing the financial activities of a borrower to find out their credit risks. · evaluating clients' financial information and calculating risk ratios. · To ensure that the assessment and disbursement of the proposal is in line with society guidelines/manual. · To ensure to maintain TAT for all the advances by continuously monitoring the overall progress of the proposal. · To maintain records of loan applications and monitor payments. · Responsible for loan processing and loan monitoring. DESIRED CANDIDATE PROFILE Must be a graduate from Commerce/BAF/BBI Relevant work experience of Credit Officer. Proficiency in computer applications with Excellent MS Excel Skills Job Types: Full-time, Permanent Pay: ₹18,000.00 - ₹22,000.00 per month Benefits: Leave encashment Paid time off Provident Fund Schedule: Day shift Work Location: In person Expected Start Date: 14/06/2025

Full-time Company Description Travel Super Mall is India's premier B2B travel distribution platform that empowers our partners by offering leading-edge technology, accurate pricing, and a user-friendly platform for smooth transactions. We aim to provide an extensive array of travel solutions customized for travel agents and tour operators throughout the country, catering to major cities such as New Delhi, Mumbai, Chennai, and Kolkata. Our services encompass hotel, bus and flight bookings along with travel insurance. Moving forward, we will also be introducing railway bookings and holiday packages to our range of services. Our aim is to assist these businesses in elevating their operations to unprecedented levels of success. Travel Super Mall is seeking a diligent and proactive Credit Controller for (B2B Vertical) to manage our B2B credit accounts. In this role, you will be responsible for managing outstanding balances, ensuring timely payments, and maintaining a healthy cash flow. The ideal candidate will have strong communication skills, experience in managing B2B client accounts, and the ability to resolve payment issues while building positive relationships with clients. Key Responsibilities Manage B2B Credit Accounts: Oversee the credit accounts of B2B clients, ensuring timely invoicing and collection of payments. Credit Risk Assessment: Conduct credit checks on new clients, establish appropriate credit limits, and monitor the creditworthiness of existing clients. Debt Recovery: Track overdue payments, initiate collection efforts, and follow up on pending invoices. Negotiate payment plans when necessary. Payment Reconciliation: Reconcile client accounts to ensure accurate records of outstanding amounts and payments received. Dispute Resolution: Liaise with clients and internal departments to resolve any payment-related disputes or discrepancies. Reporting: Generate regular reports on outstanding debts, collections performance, and credit control KPIs for management. Process Improvement: Identify and recommend improvements in the credit control process to increase efficiency and reduce risk. Client Relationship Management: Maintain positive relationships with clients while ensuring compliance with credit policies and timely debt collection. Qualifications Educational Background: Bachelor's degree in Finance, Accounting, or a related field. Experience: 3 years of experience in credit control, accounts receivable, or finance, preferably in the travel or hospitality sector. Communication: Excellent verbal and written communication skills with a professional demeanor. Negotiation Skills: Strong negotiation abilities to manage difficult conversations and resolve payment disputes. Attention to Detail: High level of accuracy and attention to detail when managing financial records. Problem-Solving: Ability to identify issues and find effective solutions to ensure payments are received on time. Tech-Savvy: Proficiency in accounting software (e.g., QuickBooks, SAP, or Oracle) and MS Office, especially Excel. Customer Service: A customer-focused approach with a balance between enforcing payment terms and maintaining good client relationships. Preference Added advantage from travel domain. 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. RORG is an independent review group that provides continuous monitoring and assurance of the accuracy of the Regulatory Reporting Requirements. Its primary responsibility is to effectively challenge the rigor and accuracy of the firm’s and the Bank’s internal systems/processes supporting regulatory compliance. The independent verification process helps detect and identify potential issues with conformance with instructions and firm policies, data quality, and control effectiveness. Review of this information helps to identify process and reporting gaps, and will be the foundation for determining the examination activities to be conducted. RORG serves to complement the firm’s other independent risk-management infrastructure and internal audit function. Job Summary And Responsbilities Develop an understanding of firm’s regulatory reporting requirements including Capital Planning processes and controls supporting the reporting process and systems Conduct independent reviews of the various regulatory reports filed by the Firm including verification of the regulatory instructions, data accuracy/ aggregation and reporting compliance Assess design adequacy and operating effectiveness of controls Raise action items and independently validate remediation plans Provide effective challenge of stakeholder process(es) and outcomes Liaise across relevant business, technology to prioritize risks, challenge decisions, assumptions and drive appropriate risk response Develop and maintain effective and constructive stakeholder relationships Preferred Qualiciation Attention to detail and possesses strong excel, analytical & organizational skills Proactive, strong interpersonal, written and verbal communication skills Ability to operate in a fast-paced environment with high sense of urgency/ multi-tasking skills Interest in developing a solid understanding of financial markets/ products and regulatory reporting landscape Keen to learn, adopt new skills and identify and make improvements to systems and processes BASIC QUALIFICATION Chartered Accountants/ Certified Public Accountant/ equivalent degree with 3-6 years of experience Public or internal audit experience with exposure in Financial Services sector Quality Assurance experience Understanding of U.S. Regulatory Reporting 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 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

Company Description WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees. Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Review all mortgage applications and documentation for accuracy and completeness Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Review property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meeting daily production. Meeting the daily SLA requirement Knowledge/Skills/Abilities: Experienced mortgage professional with 2-3 years with mortgage underwriting. Has a complete understanding of Conventional, FHA and VA underwriting guidelines. Has working knowledge of real estate lending criteria and federal, state, and agency compliance Can multi-task and manage time efficiently Has strong organizational skills, attention to detail, and basic Microsoft Office skills Good analytical and problem-solving skills. Strong organization and verbal and written communications skills. Highly adaptive and open to changes as the organization grows and its needs evolve.Hand on experience in Quality Tools such as RCA, Pareto Analysis etc Qualifications Any Batchelor's Degree Show more Show less

Company Description WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees. Job Description Full Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities: Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Review all mortgage applications and documentation for accuracy and completeness Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Review property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meeting daily production. Meeting the daily SLA requirement Meeting the daily Quality requirements Qualifications Education: Bachelors in any stream. Experience: 2+ years’ increasingly responsible experience in related areas. Knowledge/Skills/Abilities: Experienced mortgage professional with 2-3 years with mortgage underwriting Has a complete understanding of Conventional, FHA and VA underwriting guidelines. Has working knowledge of real estate lending criteria and federal, state, and agency compliance Can multi-task and manage time efficiently Has strong organizational skills, attention to detail, and basic Microsoft Office skills Good analytical and problem-solving skills. Strong organization and verbal and written communications skills. Highly adaptive and open to changes as the organization grows and its needs evolve. Qualifications Batchelor's Degree (Any) Show more Show less

Job Requirements Job Title : Associate Debt Manager-Flows-2 Wheeler Loan Department : Collection Responsibilities Manage the 2 Wheeler Loan portfolio and ensure timely collections and recoveries Monitor delinquent accounts and take necessary actions to minimize losses Conduct field visits to assess customer creditworthiness and collect overdue payments Build and maintain relationships with customers to ensure timely payments and customer satisfaction Collaborate with internal teams to develop and implement strategies for improving loan performance Stay updated on industry trends and regulations related to 2 Wheeler Loans Provide regular reports and updates on portfolio performance to senior management Qualification Graduation- Any Post Graduation- MBA, PGDM Work Experience 0-2 years of work experience Show more Show less

Job Title: Field Sales Executive – Home Loan Sales Company : Snapmoney Finance Pvt Ltd Location : Hyderabad Salary: ₹25,000 – ₹35,000 per month (based on experience and performance) plus incentives Experience Required : Minimum 1 year in home loan or financial product sales Job Type : Full-time Job Summary: Snapmoney Finance Pvt Ltd is hiring Field Sales Executives – Home Loan Sales to drive business through on-ground customer acquisition and relationship management. This role is ideal for Field sales executives with experience in selling housing finance products and a strong network in the real estate and property market. Key Responsibilities: Identify potential customers for home loans by visiting residential areas, and builder project sites through referrals and cold calling. Meet clients to understand their financial needs, explain loan products, interest rates, EMI options, and tailor offerings accordingly. As a Field Sales Executive Assist clients with the complete documentation process, ensuring compliance with company and regulatory guidelines. Pre-screen clients by checking eligibility based on income, property type, and creditworthiness before submission. Coordination with Credit Team for verification departments to ensure timely processing and disbursal of home loans. Build and maintain strong relationships with builders, property agents, and other key market influencers to generate regular leads. Keep updated on competitor offerings, real estate developments, interest rate changes, and RBI guidelines impacting home loan products. Consistently meet or exceed assigned monthly sales and disbursement targets. Provide post-sale support for documentation, queries, and loan status updates until final disbursement. Candidate Requirements: Minimum 1 year of Field sales experience in home loans, LAP, mortgage, or housing finance industry is mandatory Good knowledge of the local property market, builder tie-ups, and housing finance processes Strong negotiation, sales, and interpersonal skills Ability to handle pressure and work independently to achieve sales goals Should be willing to travel extensively within the city Must own a two-wheeler Graduation or equivalent qualification preferred Perks & Benefits: Competitive salary + attractive performance-based incentives Fast-track growth for high performers Field support, product training, and the opportunity to work with a growing finance company Travel allowances are provided. Job Types: Full-time, Permanent Pay: ₹2,732.43 per week Benefits: Paid time off Schedule: Day shift Work Location: In person

Company Description Hero FinCorp Limited (HFCL), initially incorporated as Hero Honda FinLease Limited, rebranded in 2011. Under the leadership of CEO Abhimanyu Munjal, HFCL aims to be India's 'Next Generation, Ultra-Lean, Credit Champion'. The company operates in Corporate Lending (SME & MME) and Retail Financing (Hero MotoCorp Two Wheelers), serving clients through more than 2000 touchpoints across India. Committed to 'Finance Made Easy', HFCL delivers a wide range of capex and opex solutions, continually expanding its financial services to provide flexible, client-centric offerings. Role Description This is a full-time, on-site role for a Credit Analyst based in Mumbai. The Credit Analyst will be responsible for evaluating creditworthiness, performing financial analysis, and managing risk assessments. Day-to-day tasks include analyzing financial statements, preparing credit reports, and maintaining client relationships to ensure compliance with lending policies. The role requires effective communication with internal teams and clients to facilitate credit decisions. Qualifications Expertise in Credit Management and Credit analysis Strong Analytical Skills and Financial acumen Effective Communication skills, both written and verbal Relevant experience in Finance and Credit sectors Bachelor's or Master’s degree in Finance, Economics, Business, or a related field Proficiency in financial modeling and risk assessment tools Attention to detail and strong organizational skills Ability to work collaboratively in a team-oriented environment 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

Senior Data Analyst, Accion Advisory Job ID 2420 Company Accion India, Mumbai About Accion: Accion is a global nonprofit on a mission to create a fair and inclusive economy for the nearly two billion people who are failed by the global financial system. We develop and scale responsible digital financial solutions for small business owners, smallholder farmers, and women, so they can make informed decisions and improve their lives. Through targeted investment strategies, advisory solutions, and expert thought leadership, we work with local partners to develop and scale cheaper, more accessible, and customer-friendly financial solutions. Since 1961, Accion has helped build 267 financial service providers serving low-income clients in 75 countries, reaching 440 million people. More at https://www.accion.org . About Accion Advisory: The Accion Advisory team combines decades of on-the-ground experience with insights into new technologies to help our partners become more sustainable and scalable. We work with a variety of organizations focused on serving the financial needs of low-income people and businesses in emerging markets. With a presence in Africa, Asia, and the Americas, our team provides strategic and operational support to strengthen our partners and maximize their impact on underserved customers. Our team is comprised of Regional Program Managers (RPMs) and their teams who are responsible for driving new business, bringing local context and hands on experience to meet customer needs; and Practice Area Leads who are technical area experts responsible for building the Advisory team’s expertise in core areas, driving execution excellence, and capturing synergies across technical practice areas and regions. The Practice Area Leads seek to improve efficiency and effectiveness of the execution of our engagements and to develop reusable tools and collateral for specific areas of expertise that Accion Advisory brings to all of our clients. Position Summary The Data analyst will support the development of web-based, cloud-based, and/or server-based analytic products required by the data team and will collaborate in analyzing and interpreting financial services providers data to develop actionable insights that enhance business decision-making. Also, S/he will support analysis, transformation, loading, and maintenance of the data received from the institutions, their processing for the calculation and development of the different tools required for impact and data analysis, conducting process mapping, and building data models to support financial services strategies. This role includes collaborating with the team of data scientists in creating models to segment clients’ profiles and predict probability of default. The ideal candidate will have a strong background in working with credit data, experience in developing analytical models, and the ability to translate complex data into meaningful insights. The position will be based in India. Position Responsibilities Data Analysis & statistical Models: Analyse large datasets to identify trends, patterns, and insights related to creditworthiness, repayment behavior, and financial performance. Collaborate with business teams to design and refine predictive models that enhance lending and collection efficiency. Process Mapping & Optimization: Map and document existing financial services processes, identifying bottlenecks and areas for improvement. Work with stakeholders to streamline data flows and optimize data collection, storage, and retrieval processes. Provide insights on how to improve data quality and accuracy through process improvements. Data Management & Reporting: Clean, validate, and manage credit and financial services datasets to ensure accuracy and consistency. Create and maintain dashboards and reports using visualization tools (e.g., Power BI) to monitor key performance indicators (KPIs). Deliver actionable insights through regular reports and presentations to internal stakeholders. Position Qualifications Required: 4+ years of overall experience. Including 2+ years of experience as a Data Analyst in financial services, preferably with exposure to credit data and collections. Hands on expertise in credit and collection scoring models using statistical and machine learning techniques. Strong skills in SQL, Python, or R for data extraction, analysis, and modelling. Experience of working on AWS or Azure platforms is a plus. Strong expertise in data visualization using Power BI or similar tools. Familiarity with financial services processes, including lending, collections, and credit risk management. Excellent analytical and problem-solving skills, with the ability to interpret and present complex data clearly. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint). Strong communication skills, with the ability to collaborate effectively with both technical and non-technical stakeholders. Preferred: Experience with statistical modelling and predictive analytics. Knowledge of regulatory requirements related to credit data and financial services. Familiarity with industry benchmarks and best practices for credit risk assessment. Certification in data science, financial analytics, or a related field. Travel Requirements Willingness and ability to travel 20% of the time. Accion is an equal opportunity employer. We are committed to a diverse and inclusive workplace culture. Accion seeks qualified applicants without regard to race, color, gender, sex, age, religion, creed, national origin, ancestry, citizenship, marital status, sexual orientation, physical or mental disability, medical condition, military and veteran status, gender identity or expression, genetic information, change of sex or transgender status, or any other basis protected by law. Accion is committed to providing reasonable accommodations to applicants with disabilities. 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. Basic Qualifications Qualified CA in Nov 2024 Strong communication skills Strong analytical skills and attention to detail Basic industry knowledge Proficiency in Microsoft Office products, in particular Excel KEY ADVANTAGES Career advancement Collaborative and supportive work environment Apprenticeship culture Exposure to different areas and banking industry insights Networking opportunities 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., 2024. 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 The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. JOB TITLE – Risk - Model Risk Management- VP - Bengaluru The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments, and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world. We commit people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Our people are our greatest asset – we say it often and with good reason. It is only with the determination and dedication of our people that we can serve our clients, generate long-term value for our shareholders and contribute to the broader public. We take pride in supporting each colleague both professionally and personally. From collaborative workspaces and ergonomic services to wellbeing and resilience offerings, we offer our people the flexibility and support they need to reach their goals in and outside the office. RISK BUSINESS The Risk Business identifies, monitors, evaluates, and manages the firm’s financial and non-financial risks in support of the firm’s Risk Appetite Statement and the firm’s strategic plan. Operating in a fast paced and dynamic environment and utilizing the best in class risk tools and frameworks, Risk teams are analytically curious, have an aptitude to challenge, and an unwavering commitment to excellence. BUSINESS UNIT: The Model Risk Management (MRM) group is a multidisciplinary group of quantitative experts at Goldman Sachs with presence in New York, Dallas, London, Warsaw, Hong Kong, and Bangalore. The MRM group is responsible for independent oversight of Model Risk at the firm, ensuring compliance with Firmwide Policy on Model Control and related standards, including documentation to evidence effective challenge over the Model development, implementation and usage of Models. The group’s primary mandate is to manage risk that arises from models used in the firm through its range of businesses– from models used for derivatives valuation to models used for risk management, liquidity and capital computations. In addition to independently reviewing these classes of models for their validity, theoretical consistency and implementation accuracy, the group is also responsible to assess the risk associated with model choice, e.g., exposure to choice of model in various contexts such as pricing exotic options or in calculating capital. The analysis and reporting team is a new function within the MRM group that is responsible for analyzing, monitoring and reporting on model risk for the firm. The group works collaboratively with the model validation team to understand and communicate results of model validation activities, changes in model risk and other model-related issues to key stakeholders and management. What We Look For This business is ideal for collaborative individuals who have strong ethics and attention to detail. 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 MRM group looks for people with strong quantitative and technical backgrounds and a strong interest in financial markets. We seek bright and dynamic individuals with a degree in quantitative fields such as math, physics, engineering, computer science, or financial engineering. Responsibilities Perform validation and approval of the firm’s models by verifying conceptual soundness, methodology, and implementation, and by identifying limitations and uncertainties Assess and quantify model risk by developing alternative benchmark models Oversee monitoring of ongoing model performance Communicate validation outcomes to key stakeholders and management Skills And Relevant Experience Excellent quantitative problem solving skills Experience in stochastic modeling, numerical simulation, and data analysis Machine learning knowledge Good communication skills with the ability to explain complex problems in a simple way Eagerness and ability to learn new technologies and programming languages Excellent organizational skills Team orientation and ability to work in a fast paced environment 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 © 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