672 Creditworthiness Jobs - Page 10

Embark on a transformative journey as Vice President - Corporate Risk, UKCB (UK Corporate Banking), where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. You will be a part of UKCB Corporate Risk Team which plays critical role in managing credit risk through robust assessment of borrowers’ creditworthiness, applying sound risk judgment based on established credit policies and regulatory environment. To be successful in this role, you should possess the following skills: Strong appreciation of general accounting principles, financial statement analysis, financial models and modelling techniques. Proven experience in Corporate Banking credit sanctioning process. Strong commercial and credit judgement. Strong knowledge across a wide range of Corporate Banking products including trade financing, derivative products, documentation. Must be decisive and a clear communicator both written and oral. Some Other Highly Valued Skills Include Post- graduate with MBA or Chartered Accountants. Additional Professional Certifications e.g. FRM, CFA, etc. You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. This role is based in our Noida office. Purpose of the role To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. Accountabilities Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave.

Embark on a transformative journey as Vice President - Corporate Risk, UKCB (UK Corporate Banking), where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. You will be a part of UKCB Corporate Risk Team which plays critical role in managing credit risk through robust assessment of borrowers’ creditworthiness, applying sound risk judgment based on established credit policies and regulatory environment. To be successful in this role, you should possess the following skills: Strong appreciation of general accounting principles, financial statement analysis, financial models and modelling techniques. Proven experience in Corporate Banking credit sanctioning process. Strong commercial and credit judgement. Strong knowledge across a wide range of Corporate Banking products including trade financing, derivative products, documentation. Must be decisive and a clear communicator both written and oral. Some Other Highly Valued Skills Include Post- graduate with MBA or Chartered Accountants. Additional Professional Certifications e.g. FRM, CFA, etc. You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. This role is based in our Noida office. Purpose of the role To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. Accountabilities Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. 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Key Responsibilities: Evaluate creditworthiness of applicants through financial analysis, credit scores, and background checks. Approve or recommend credit limits and loan terms based on risk assessment. Monitor and review existing credit portfolios to ensure timely repayments and minimize NPAs. Collaborate with sales, FI Team, collections, and legal teams to ensure compliance with credit policy. Meet or exceed monthly targets and KPIs. Develop and refine credit risk policies and underwriting guidelines. Job Type: Full-time Pay: ₹20,000.00 - ₹27,000.00 per year Benefits: Health insurance Provident Fund Work from home Schedule: Day shift Work Location: In person

We are seeking a detail-oriented and analytical Credit Officer to evaluate and approve credit applications, manage credit risk, and ensure the organization's credit policies are upheld. The ideal candidate will assess customer creditworthiness, monitor existing accounts, and work closely with sales and finance teams to ensure healthy credit portfolio management. Job Type: Full-time Pay: ₹20,000.00 - ₹30,000.00 per month Schedule: Day shift Work Location: In person

Company Description Lendingkart Group specializes in providing working capital finance to entrepreneurs, allowing them to focus on their business operations without the stress of cash-flow gaps. Lendingkart Technologies Private Limited is a fintech startup that leverages big data analysis for evaluating creditworthiness, while Lendingkart Finance Limited is a non-deposit taking NBFC focused on SME lending in India. Their goal is to revolutionize small business lending through technology and analytics tools. Role Description This is a full-time on-site role as a Sales Manager handling DSA Vertical Channel Sales at Lendingkart in Kolkata. The Sales Manager will be responsible for day-to-day sales tasks, managing channel relationships, driving sales targets, and expanding the DSA network for the vertical channel. Qualifications Sales Management, Channel Sales, and Business Development skills Experience in the financial or fintech industry Strong communication and negotiation skills Ability to analyze market trends and identify opportunities Proven track record of meeting sales targets Bachelor's degree in Business Administration, Finance, Marketing, or related field

This role is for one of the Weekday's clients Salary range: Rs 700000 - Rs 1500000 (ie INR 7-15 LPA) Min Experience: 2 years Location: Mumbai JobType: full-time We are seeking a detail-oriented and analytical Credit Analyst with 2-6 years of experience to join our Construction Finance team. The ideal candidate will be responsible for end-to-end credit assessment of real estate and infrastructure finance proposals, facilitating loan disbursements, and ensuring comprehensive risk evaluation and monitoring throughout the loan lifecycle. Requirements Key Responsibilities: Candidate Profile: Credit Analysis & Due Diligence Conduct thorough credit assessments of borrowers and projects in the construction and real estate sectors. Analyze financial statements, cash flow projections, and project viability to determine the creditworthiness of applicants. Identify key risks, mitigants, and recommend appropriate loan structures and covenants. Processing Construction Finance Proposals Manage the credit evaluation process for new proposals from initial assessment through final approval. Prepare in-depth Credit Appraisal Memorandums (CAMs) in coordination with internal business and credit teams. Pre-Sanction Site Visits Conduct detailed site visits to assess the physical and operational status of the project, promoter track record, and on-ground risk indicators. Prepare visit reports highlighting critical observations to inform sanction decisions. Stakeholder Coordination Work closely with cross-functional teams including Business, Legal, Risk Containment Unit (RCU), and Operations to ensure timely processing of credit proposals. Liaise with external agencies such as legal counsel and property valuers to gather necessary documentation and third-party reports for credit evaluation. Verification & Credential Analysis Verify and validate customer and project credentials including title deeds, approvals, licenses, financials, and promoter background. Ensure authenticity of documents and compliance with internal credit policies and external regulations. Disbursement Facilitation Support in timely and accurate loan disbursals by coordinating with the disbursement team and ensuring documentation completeness. Assist in the release of tranches based on project progress and adherence to conditions precedent and subsequent. Post-Sanction Monitoring Monitor project progress, financial health, and utilization of funds through post-sanction visits, review of periodic MIS, and interaction with clients. Handle processing of NOC requests, fund transfers, and project-specific queries post disbursal. Track covenant compliance and initiate early warning signals in case of deviations or delays. Experience: 2-6 years in credit analysis, preferably in construction finance, project finance, or real estate lending. Educational Background: Graduate/Postgraduate in Finance, Commerce, or related field. CA/MBA preferred. Strong analytical, financial modeling, and communication skills. Proficiency in MS Excel, CAM writing, and working knowledge of legal and regulatory frameworks in the real estate sector. Ability to manage multiple stakeholders, handle on-ground assessments, and ensure timely delivery

Job Summary: We are seeking a detail-oriented and customer-focused Loan Officer to evaluate, authorize, and recommend approval of loan applications for individuals and businesses. The ideal candidate will have strong analytical skills, excellent communication abilities, and a solid understanding of lending procedures and regulations. Key Responsibilities: Evaluate loan applications and supporting documents. Assess creditworthiness and determine risk. Provide financial guidance to clients throughout the loan process. Ensure compliance with internal policies and regulatory requirements. Maintain strong relationships with clients and financial institutions. Requirements: Proven experience as a Loan Officer or similar role. Knowledge of lending products, regulations, and underwriting procedures. Strong interpersonal and negotiation skills. Proficiency in loan processing software is a plus.

EXPERIENCE AND KNOWLEDGE • Experience of more than 3 to 5 Years in US Mortgage Industry and minimum 2 years in core Underwriting. • Well versed with all 4 Cs of Underwriting • Knowledge of Non-Agency/Non-QM (Jumbo loans) underwriting guidelines demonstrated through a minimum of 1+ years’ experience of Manual underwriting. • Knowledge of major Non-QM lenders’ guidelines such as Chase, Wells Fargo, US Bank etc. • Knowledge of Bank statement only programs, asset-based income programs is added advantage. • In depth knowledge of Agency guidelines for Conventional loans (FNMA & FHLMC), FHA, VA, USDA etc will added advantage. • Detailed understanding of Mortgage documents including Income, Credit, Asset, Appraisal, other underwriting and compliance documents. • Knowledge of income, LTV and DTI ratios calculation. • Knowledge of multiple mortgage processing software like Encompass. Empower etc. will be added benefit. • Excellent written and oral communication skills in addition to interpersonal skills. • Strong problem-solving and analytical skills. • Ability to work independently, with minimal supervision. • Good working knowledge of MS Outlook and Office application. • Ability to research and provide accurate resolution to queries and escalations. DUTIES AND RESPONSIBILITIES  • Live/Post Close Manual Underwriting/QC of loan files as per Fannie Mae, Freddie Mac, Client/Investor (Chase, Wells Fargo, US Bank etc.) guidelines as required. • Reviewing the Borrower profile including Credit, Income, Assets, Collateral, Compliance and other Lending risks such as interested party involvements as per agency/investor guidelines. • Reviewing loan files thoroughly to assess the risks associated with loans and providing approval/denial basis on the information provided. • Reviewing all types of incomes (salaries, rental and self-employed) documents to determine the appropriate and reliable amount of income to be used for qualifying the borrowers. • Assessing borrowers’ creditworthiness by reviewing their Credit Reports and by other credit documents. • Determining the acceptability of subject property as per required guidelines by reviewing Title and Appraisal Report. • Reviewing Asset documents to verify borrower’s net worth and liquidity for cash to close and reserve requirements. • Reviewing all other documents related to underwriting, identifying red flags for the compliance to State and Federal laws. • Identifying the derogatory events/accounts associated with borrowers to comply with the waiting period requirements. • Providing recommendation based on the loan review such as Approved, Suspend and Denied/Ineligible etc. • Maintain the reports as required by the process and management. • Providing training and assistance to junior team members. Educational Qualification Graduate in any Stream.

Hello connection!!!! We have opening for Credit Officer – Commercial vehicle Loan Job Location: Ahmedabad H. O. Role Overview: The Credit Officer will be responsible for assessing and processing loan applications for two-wheeler finance. This includes document verification, creditworthiness assessment, telephonic discussions with customers, and preparation of credit appraisal reports. The role also involves ensuring timely processing within defined Turnaround Time (TAT) and close coordination with internal teams and customers. Key Responsibilities: File Checking: KYC Verification: CIBIL & Credit Checks: Document Verification: Telephonic Personal Discussion (PD): Preparation of Credit Appraisal Memo (CAM): Candidate Must be Having In-hand working knowledge of - FOIR, Viability Calculations. Experience: Minimum 1-3 years in Credit / Underwriting role, preferably in Commercial Vehicle Loans. Interested candidates with Relevant Experience Kindly share your Resume At ta_hr22@mas.co.in/ 7999096063

About The Role Grade Level (for internal use): 09 The Team Diverse and responsible team working on multiple applications and providing application support in two shifts. Ready to accept challenge on multiple technologies and eager for any new challenges. Responsibilities Gather and analyze metrics from operating systems as well as applications to assist in performance tuning and fault finding. Partner with development teams to improve services through rigorous testing and release procedures. Participate in system design consulting, platform management, and capacity planning. Create sustainable systems and services through automation. Balance feature development speed and reliability with well-defined service-level objective Day to day working with different teams like infra team for related issues Build and document automation processes for Infrastructure as a Service/Infrastructure as code. Backup and Patch management RCA of all the issues and deep interest in finding permanent resolution of all issues. Co-ordination of all other teams involved in issues related with users. Self-driven person What We’re Looking For Bachelor’s degree (or equivalent) in computer science or related discipline with at least 3+ years of experience Proactive approach to identifying problems, performance bottlenecks, and areas for improvement. Strong interpersonal skills, analytical and problem-solving ability along with strong written and verbal communication. Ability to communicate ideas in both technical and non-technical ways. A strong capacity for teamwork and a sense of ownership and able to work independently and be self-driven. Hands on Experience with Linux Server, AD, LDAP, DNS, Network Storage, AWS Compute services (EC2, FSX, Managed AD, Route 53, etc…) Ability to program using scripting with tools or languages, such as PowerShell, Python, Ansible, Terraform and Bash Familiarity with ITSM processes like Incident, Problem and Change Management using ServiceNow (preferable) The Location: Hyderabad, India Grade: 09 {Software Engineer-Application Operations} Hybrid model : 4 times a week work from office is mandatory. Shift time: 6:30 am to 2:30 pm IST / 2:30 pm to 11 pm IST About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. 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) Job ID: 311052 Posted On: 2025-06-10 Location: Hyderabad, Telangana, India

Job Description You’re not the person who will settle for just any role. Neither are we. Because we’re out to create Better Care for a Better World, and that takes a certain kind of person and teams who care about making a difference. Here, you’ll bring your professional expertise, talent, and drive to building and managing our portfolio of iconic, ground-breaking brands. In this role, you’ll help us deliver better care for billions of people around the world. It starts with YOU. In This Role, You Will Credit Management and Risk Assessment Adhere to credit policies and procedures to minimize credit risk and bad debt exposure. Evaluate customer creditworthiness and establish appropriate credit limits. Monitor customer accounts for overdue balances and take proactive measures to mitigate risk. Collections and Cash Application Manage the collections process to optimize cash flow and reduce outstanding receivables. Implement collection strategies and tactics to accelerate payment and minimize aging. Ensure timely and accurate application of customer payments to open invoices. Customer Reconciliations and Dispute Resolution Conduct regular reconciliations of customer accounts to identify and resolve discrepancies. Work closely with customers and internal stakeholders to resolve billing disputes and discrepancies in a timely manner. Maintain positive relationships with customers while enforcing payment terms and policies. Financial Reporting and Analysis Generate regular reports and analysis on accounts receivable performance, aging, and cash flow forecasting. Provide insights and recommendations to senior management based on financial analysis and KPI tracking! Process Optimization and Continuous Improvement Identify opportunities for process optimization and automation to improve efficiency and effectiveness. Implement best practices and technology solutions to enhance the accounts’ receivable function. Drive continuous improvement initiatives to optimize cash flow, reduce DSO, and improve overall financial performance. Cross-Functional Collaboration Collaborate with sales, finance, and other departments to ensure alignment and coordination of activities. Participate in cross-functional projects and initiatives to support organizational goals and objectives About Us Huggies®. Kleenex®. Cottonelle®. Scott®. Kotex®. Poise®. Depend®. Kimberly-Clark Professional®. You already know our legendary brands—and so does the rest of the world. In fact, millions of people use Kimberly-Clark products every day. We know these amazing Kimberly-Clark products wouldn’t exist without talented professionals, like you. At Kimberly-Clark, you’ll be part of the best team committed to driving innovation, growth and impact. We’re founded on more than 150 years of market leadership, and we’re always looking for new and better ways to perform – so there’s your open door of opportunity. It’s all here for you at Kimberly-Clark. Led by Purpose. Driven by You. About You You perform at the highest level possible, and you appreciate a performance culture fueled by authentic caring. You want to be part of a company actively dedicated to sustainability, inclusion, wellbeing, and career development. You love what you do, especially when the work you do makes a difference. At Kimberly-Clark, we’re constantly exploring new ideas on how, when, and where we can best achieve results. When you join our team, you’ll experience Flex That Works: flexible (hybrid) work arrangements that empower you to have purposeful time in the office and partner with your leader to make flexibility work for both you and the business. Qualifications In one of our Finance roles, you’ll focus on winning with consumers and the market, while putting safety, mutual respect, and human dignity at the center. To succeed in this role, you will need the following qualifications: Qualification: Graduate or MBA Minimum 3+ yrs handling sales finance across key geographies and channels with exposure to routine sales finance processes as well as business partnering to drive key organizational objectives. To Be Considered Click the Apply button and complete the online application process. A member of our recruiting team will review your application and follow up if you seem like a great fit for this role. In the meantime, please check out the careers website. And finally, the fine print…. For Kimberly-Clark to grow and prosper, we must be an inclusive organization that applies the diverse experiences and passions of its team members to brands that make life better for people all around the world. We actively seek to build a workforce that reflects the experiences of our consumers. When you bring your original thinking to Kimberly-Clark, you fuel the continued success of our enterprise. We are a committed equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability status, protected veteran status, sexual orientation, gender identity, age, pregnancy, genetic information, citizenship status, or any other characteristic protected by law. The statements above are intended to describe the general nature and level of work performed by employees assigned to this classification. Statements are not intended to be construed as an exhaustive list of all duties, responsibilities and skills required for this position. Employment is subject to verification of pre-screening tests, which may include drug screening, background check, and DMV check. Primary Location Mumbai Corporate Office Additional Locations Worker Type Employee Worker Sub-Type Regular Time Type Full time

Do you have credit control or accounts receivable experience? Are you a highly visible champion with a ‘can do’ attitude and enthusiasm that inspires others? About Our Team Our team is responsible for the on-time collection of outstanding balances. About the Role As A Credit Controller You Will assess and advise on creditworthiness of prospective and existing customers. Responsibilities: Investigate and approve credit applications within established guidelines. Liaise with corporate customers and other departments to resolve credit issues. Negotiate payment terms on overdue accounts. Perform routine assignments in an entry-level professional role. Connect with clients via calls and emails for regular support. Minimize financial risk by assessing and advising on customer creditworthiness. Requirements: 3+ years of experience in credit control or accounts receivable. Strong communication skills and a team-oriented mindset. Ability to work under tight deadlines while maintaining high standards. Credibility and negotiation skills for customer interactions. Support the sales organization in debt collection matters. Proficiency in Microsoft Excel, Word, and Outlook. Work in a way that works for you We promote a healthy work/life balance across the organization. We offer an appealing working prospect for our people. With numerous wellbeing initiatives, shared parental leave, study assistance and sabbaticals, we will help you meet your immediate responsibilities and your long-term goals. Working flexible hours - flexing the times when you work in the day to help you fit everything in and work when you are the most productive Working for You We know that your wellbeing and happiness are key to a long and successful career. These are some of the benefits we are delighted to offer: ● Comprehensive Health Insurance: Covers you, your immediate family, and parents. ● Enhanced Health Insurance Options: Competitive rates negotiated by the company. ● Group Life Insurance: Ensuring financial security for your loved ones. ● Group Accident Insurance: Extra protection for accidental death and permanent disablement. ● Flexible Working Arrangement: Achieve a harmonious work-life balance. ● Employee Assistance Program: Access support for personal and work-related challenges. ● Medical Screening: Your well-being is a top priority. ● Modern Family Benefits: Maternity, paternity, and adoption support. ● Long-Service Awards: Recognizing dedication and commitment. ● New Baby Gift: Celebrating the joy of parenthood. ● Subsidized Meals in Chennai: Enjoy delicious meals at discounted rates. ● Various Paid Time Off: Take time off with Casual Leave, Sick Leave, Privilege Leave, Compassionate Leave, Special Sick Leave, and Gazetted Public Holidays. ● Free Transport pick up and drop from the home -office - home (applies in Chennai) About the Business A global leader in information and analytics, we help researchers and healthcare professionals' advance science and improve health outcomes for the benefit of society. Building on our publishing heritage, we combine quality information and vast data sets with analytics to support visionary science and research, health education and interactive learning, as well as exceptional healthcare and clinical practice. At Elsevier, your work contributes to the world's grand challenges and a more sustainable future. We harness innovative technologies to support science and healthcare to partner for a better world.

A Personal Loan Officer helps individuals secure personal loans by evaluating applications, assessing creditworthiness, and guiding them through the loan process. They analyze financial information, explain loan terms, and ensure compliance with lending regulations. Essentially, they bridge the gap between borrowers and lenders for personal financing needs

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

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

Credit Controller Do you have credit control or accounts receivable experience? Are you a highly visible champion with a ‘can do’ attitude and enthusiasm that inspires others? About Our Team Our team is responsible for the on-time collection of outstanding balances. About the Role As A Credit Controller You Will assess and advise on creditworthiness of prospective and existing customers. Responsibilities: Investigate and approve credit applications within established guidelines. Liaise with corporate customers and other departments to resolve credit issues. Negotiate payment terms on overdue accounts. Perform routine assignments in an entry-level professional role. Connect with clients via calls and emails for regular support. Minimize financial risk by assessing and advising on customer creditworthiness. Requirements: 3+ years of experience in credit control or accounts receivable. Strong communication skills and a team-oriented mindset. Ability to work under tight deadlines while maintaining high standards. Credibility and negotiation skills for customer interactions. Support the sales organization in debt collection matters. Proficiency in Microsoft Excel, Word, and Outlook. Work in a way that works for you We promote a healthy work/life balance across the organization. We offer an appealing working prospect for our people. With numerous wellbeing initiatives, shared parental leave, study assistance and sabbaticals, we will help you meet your immediate responsibilities and your long-term goals. Working flexible hours - flexing the times when you work in the day to help you fit everything in and work when you are the most productive Working for You We know that your wellbeing and happiness are key to a long and successful career. These are some of the benefits we are delighted to offer: Comprehensive Health Insurance: Covers you, your immediate family, and parents. Enhanced Health Insurance Options: Competitive rates negotiated by the company. Group Life Insurance: Ensuring financial security for your loved ones. Group Accident Insurance: Extra protection for accidental death and permanent disablement. Flexible Working Arrangement: Achieve a harmonious work-life balance. Employee Assistance Program: Access support for personal and work-related challenges. Medical Screening: Your well-being is a top priority. Modern Family Benefits: Maternity, paternity, and adoption support. Long-Service Awards: Recognizing dedication and commitment. New Baby Gift: Celebrating the joy of parenthood. Subsidized Meals in Chennai: Enjoy delicious meals at discounted rates. Various Paid Time Off: Take time off with Casual Leave, Sick Leave, Privilege Leave, Compassionate Leave, Special Sick Leave, and Gazetted Public Holidays. Free Transport pick up and drop from the home -office - home (applies in Chennai) About the Business A global leader in information and analytics, we help researchers and healthcare professionals' advance science and improve health outcomes for the benefit of society. Building on our publishing heritage, we combine quality information and vast data sets with analytics to support visionary science and research, health education and interactive learning, as well as exceptional healthcare and clinical practice. At Elsevier, your work contributes to the world's grand challenges and a more sustainable future. We harness innovative technologies to support science and healthcare to partner for a better world. - We are committed to providing a fair and accessible hiring process. If you have a disability or other need that requires accommodation or adjustment, please let us know by completing our Applicant Request Support Form or please contact 1-855-833-5120. Criminals may pose as recruiters asking for money or personal information. We never request money or banking details from job applicants. Learn more about spotting and avoiding scams here . Please read our Candidate Privacy Policy . We are an equal opportunity employer: qualified applicants are considered for and treated during employment without regard to race, color, creed, religion, sex, national origin, citizenship status, disability status, protected veteran status, age, marital status, sexual orientation, gender identity, genetic information, or any other characteristic protected by law. USA Job Seekers: EEO Know Your Rights .

Job Summary: The Credit Manager is responsible for managing the credit-granting process for the organization, including the consistent application of a credit policy, periodic credit reviews of existing customers, and the assessment of the creditworthiness of potential customers. The role also involves improving cash flow and minimizing bad debt losses. Key Responsibilities: Develop and implement credit policies and procedures to ensure effective risk management. Evaluate creditworthiness of customers using credit scoring systems, financial analysis, and background checks. Set credit limits based on customer risk profiles and company standards. Monitor accounts to identify overdue payments and potential bad debts. Lead the credit approval process and work with sales and finance departments to resolve credit issues. Maintain accurate records of all credit transactions, customer interactions, and payment histories. Prepare regular reports on credit and collection activities, bad debts, and risk exposure. Negotiate payment plans with clients and follow up on collection processes. Ensure compliance with legal and regulatory credit requirements. Supervise credit analysts or collections staff (if applicable). Qualifications: Bachelor’s degree in Finance, Accounting, Business Administration, or related field. Proven experience as a Credit Manager or in a similar role. Strong understanding of credit risk assessment and financial analysis. Familiarity with accounting software and credit management tools (e.g., SAP, Oracle, QuickBooks). Excellent analytical, negotiation, and communication skills. High attention to detail and strong organizational abilities. Preferred Skills: Certification in credit management (e.g., NACM, CFA, CPA) is a plus. Experience in the industry relevant to the employer (e.g., manufacturing, banking, retail). Ability to work under pressure and handle difficult conversations diplomatically. Job Type: Full-time Pay: ₹35,000.00 - ₹45,000.00 per month Benefits: Cell phone reimbursement Health insurance Paid sick time Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Quarterly bonus Shift allowance Yearly bonus Work Location: In person

Credit Assessment, Risk Management, Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Role Overview: We are seeking a proactive and analytical Key Accounts Manager to join our FAST GROWING NBFC client's team in Equipment finance SEGMENT in Mumbai. The ideal candidate will be responsible for managing key client relationships, evaluating creditworthiness, and designing tailored Equipment lease and finance solutions that balance client needs with portfolio profitability. Key Responsibilities: Client Relationship Management: Serve as the primary point of contact for key clients. Understand client businesses, industry dynamics, and financing needs. Ensure timely and efficient resolution of client queries and service issues. Credit Appraisal & Risk Assessment: Conduct detailed financial and business analysis of prospective clients. Prepare credit appraisal notes and recommend appropriate structuring. Liaise with internal credit and risk teams for approvals. Proposal Structuring & Negotiation: Design and structure lease or finance proposals aligned with client requirements. Ensure proposals maintain the profitability and risk standards of the organization. Negotiate terms and close deals with a solution-oriented approach. Documentation & Compliance: Oversee KYC compliance and coordinate with legal for documentation. Ensure all documentation adheres to regulatory and company norms. Client relations Should be able to meet existing clients and build relationship and also Track and monitor the performance of assigned accounts. Candidate Requirements: Bachelor’s degree in Finance, Commerce, or related field (MBA/CA preferred). 8-10 years of experience in structured finance, leasing, or corporate lending. Proven experience in credit appraisal, client handling, and financial structuring. Strong analytical, negotiation, and interpersonal skills. Familiarity with KYC norms, RBI guidelines, and lease documentation. #lease #leasing #equipmentfinance #leasingjobs #keyaccounts #NBFC #NBFCJOBS #KEYACCOUNTSMANAGER

Job Title: Credit Underwriter Location: Bangalore Experience: 4+ years Approval Authority: ₹20 to ₹50 Lakhs Job Description: We are looking for an experienced Credit Underwriter to assess and approve loan applications up to ₹15–20 Lakhs. The ideal candidate should have strong analytical skills, sound judgment, and prior experience in credit underwriting. Key Responsibilities: • Evaluate creditworthiness of loan applicants • Approve/recommend loans within assigned authority limits • Analyze financial data, credit reports, and other relevant documents • Ensure compliance with company policies and regulatory requirements • Work closely with sales and risk teams for smooth processing Requirements: • Minimum 4 years of experience in credit underwriting • Strong knowledge of financial analysis and lending guidelines • Excellent decision-making and communication skills • Bachelor's degree in Finance, Accounting, or a related field

A Loan Officer evaluates, authorizes, or recommends approval of loan applications for individuals or businesses. They assess creditworthiness, explain loan terms, gather financial information, and ensure compliance with lending regulations. Strong communication and analytical skills are essential to guide clients through the loan process efficiently.

Position: Credit Manager(AVP/VP/Regional/Zonal/Senior) - Working Capital NBFC (Unsecured Business Loan ) Job Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance. Key Responsibilities: Credit Assessment: Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data. Utilize credit scoring models and risk assessment tools to make informed lending decisions. Underwriting: Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower. Collaborate with the underwriting team to ensure accurate and timely processing of loan applications. Credit Policy Development: Contribute to the development and refinement of the company's credit policies and guidelines. Ensure that lending practices adhere to regulatory requirements and industry best practices. Risk Mitigation: Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests. Portfolio Management: Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults. Conduct periodic reviews of client financials to assess ongoing creditworthiness. Relationship Management: Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms. Compliance and Reporting: Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary. Generate and analyse credit-related reports to support decision-making and risk assessment. Team Collaboration: Collaborate with the sales team to understand client needs and provide input on credit decisions. Provide guidance and mentorship to junior members of the credit team. Qualifications: 10-15 Years of Experience Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous. Proven experience in credit analysis and risk management within an NBFC with a focus on working capital lending(Business loan, OD, CC Limits etc) Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors. Knowledge of relevant regulatory frameworks and compliance requirements. Willingness to travel for Personal Discussions (PDs) with own vehicle. Analytical mindset and proficiency in using financial modelling and risk assessment tools. Location- Netaji Subhash Place, Delhi CTC - Upto 13 LPA

Do you have credit control or accounts receivable experience? Are you a highly visible champion with a ‘can do’ attitude and enthusiasm that inspires others? About Our Team Our team is responsible for the on-time collection of outstanding balances. About The Role As A Credit Controller You Will assess and advise on creditworthiness of prospective and existing customers. Responsibilities Investigate and approve credit applications within established guidelines. Liaise with corporate customers and other departments to resolve credit issues. Negotiate payment terms on overdue accounts. Perform routine assignments in an entry-level professional role. Connect with clients via calls and emails for regular support. Minimize financial risk by assessing and advising on customer creditworthiness. Requirements 3+ years of experience in credit control or accounts receivable. Strong communication skills and a team-oriented mindset. Ability to work under tight deadlines while maintaining high standards. Credibility and negotiation skills for customer interactions. Support the sales organization in debt collection matters. Proficiency in Microsoft Excel, Word, and Outlook. Work in a way that works for you We promote a healthy work/life balance across the organization. We offer an appealing working prospect for our people. With numerous wellbeing initiatives, shared parental leave, study assistance and sabbaticals, we will help you meet your immediate responsibilities and your long-term goals. Working flexible hours - flexing the times when you work in the day to help you fit everything in and work when you are the most productive Working for You Benefits We know that your wellbeing and happiness are key to a long and successful career. These are some of the benefits we are delighted to offer: Comprehensive Health Insurance: Covers you, your immediate family, and parents. Enhanced Health Insurance Options: Competitive rates negotiated by the company. Group Life Insurance: Ensuring financial security for your loved ones. Group Accident Insurance: Extra protection for accidental death and permanent disablement. Flexible Working Arrangement: Achieve a harmonious work-life balance. Employee Assistance Program: Access support for personal and work-related challenges. Medical Screening: Your well-being is a top priority. Modern Family Benefits: Maternity, paternity, and adoption support. Long-Service Awards: Recognizing dedication and commitment. New Baby Gift: Celebrating the joy of parenthood. Subsidized Meals in Chennai: Enjoy delicious meals at discounted rates. Various Paid Time Off: Take time off with Casual Leave, Sick Leave, Privilege Leave, Compassionate Leave, Special Sick Leave, and Gazetted Public Holidays. Free Transport pick up and drop from the home -office - home (applies in Chennai) About The Business A global leader in information and analytics, we help researchers and healthcare professionals' advance science and improve health outcomes for the benefit of society. Building on our publishing heritage, we combine quality information and vast data sets with analytics to support visionary science and research, health education and interactive learning, as well as exceptional healthcare and clinical practice. At Elsevier, your work contributes to the world's grand challenges and a more sustainable future. We harness innovative technologies to support science and healthcare to partner for a better world.

Key Responsibilities and Duties: Managing Customer Accounts: Tracking outstanding invoices, monitoring debtor balances, and reconciling accounts. Debt Recovery: Contacting customers about overdue payments, negotiating repayment plans, and initiating legal action if necessary. Credit Risk Assessment: Evaluating new credit applications, assessing creditworthiness, and monitoring changes in customer financial situations. Customer Communication: Responding to client inquiries, resolving disputes, and maintaining strong relationships. Policy and Procedure Compliance: Ensuring adherence to credit and collection policies and procedures. Record Keeping: Maintaining accurate records of customer accounts, payment history, and credit limits. Reporting and Analysis: Preparing reports on outstanding debt, payment trends, and credit risk. Cash Flow Management: Working to improve cash flow by ensuring timely payments and reducing bad debts. Skills and Qualifications: Strong Communication and Negotiation Skills: Essential for dealing with customers, resolving disputes, and negotiating repayment plans. Analytical and Problem-Solving Skills: Necessary for assessing credit risk, analyzing payment patterns, and identifying potential problems. Detailed and Organized: Important for managing multiple customer accounts, tracking outstanding invoices, and maintaining accurate records. Knowledge of Credit Control Procedures and Practices: Understanding of credit checks, payment terms, and debt recovery processes. Proficiency with Credit Control Software: Ability to use software for managing customer accounts, tracking invoices, and generating reports. Understanding of Accounting and Financial Principles: A basic understanding of accounting principles, balance sheets, and cash flow statements. Job Types: Full-time, Permanent Pay: ₹9,419.52 - ₹18,000.00 per month Benefits: Provident Fund Schedule: Day shift Morning shift Rotational shift Weekend availability Supplemental Pay: Performance bonus Ability to commute/relocate: Yerawada, Pune, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Location: Yerawada, Pune, Maharashtra (Required) Work Location: In person Application Deadline: 02/06/2025

Organization: At CommBank, we never lose sight of the role we play in other people’s financial wellbeing. Our focus is to help people and businesses move forward to progress. To make the right financial decisions and achieve their dreams, targets, and aspirations. Regardless of where you work within our organisation, your initiative, talent, ideas, and energy all contribute to the impact that we can make with our work. Together we can achieve great things. Job Title: Modelling and Analytics Analyst (Analyst - Credit Risk Analytics) Location: Bengaluru - Manyata Tech Park Business & Team: Risk Management is responsible for developing and deploying the risk frameworks to allow the Group to take conscious exposures to credit, market, operational, compliance and insurance risks within a Board-approved appetite. Risk Management ensures that the Group has appropriate strategies and frameworks in place to assess, manage and report on credit, market, operational, compliance and insurance risks. We do this by: Establishing frameworks to manage risks that are consistent with the Group’s business objectives; Identifying, assessing and reporting risks to the Board, Risk and Audit Committees, Executive Committee and Business Units; Assessing the impact of proposed changes in laws, regulations and industry codes; and Working collaboratively with the Business Units to achieve the optimal risk and return outcomes for the Group within the risk appetite approved by the Board. Model Development Centre of Excellence is a team within Risk Management that is responsible for developing models and performing advanced analytics across the Group to provide key risk and business insights. The team develops estimates for Probability of Default, Loss Given Default and Exposure at Default for credit portfolios, including retail and non-retail. These estimates are used across all CBA lending business units, including ASB and Bankwest. Impact & Contribution: You will be part of a skilled quantitative team serving all lending businesses across the CBA Group, and lead new initiatives contributing to the development, maintenance and enhancement of key credit risk models that are used for calculating credit risk RWA and provisioning, as well as obligor creditworthiness. You may also contribute to strategic initiatives aligned to enhancing modelling frameworks and improving the agility and efficiency of model development activities. models across the CBA Group. Roles & Responsibilities: Business Outcomes- Generating insights for CBA's credit portfolios, by building statistical models and performing analyses with sound application of advanced statistical and econometric techniques including, but not limited to, Time Series Analysis, Macroeconomic Modelling and Non-linear Regression, using R and Python; Actively contributing to projects to develop and enhance credit risk models, delivering outcomes with minimal supervision; Analysing the business impact of the models including changes to the Expected Loss, capital and Risk Weighted Assets as a result of model improvements or refreshes; Thoroughly documenting the modelling results and the thought process around the choice of modelling methodology in a concise and user-friendly form, to enable stakeholders to independently validate the final model and assess its impact; Working with the Group’s data resources, as well as key data-related projects, to obtain and prepare data for modelling purposes as required. This will involve working with SAS, Teradata SQL, or other related tools; and Interacting with stakeholders within business units and group model validation teams to seek input and share results on model development efforts as needed. Essential Skills: 1-3 years relevant experience in Credit Risk Model Development; Demonstrated skills in written and verbal communication, including ability to interpret and report complex material and make sound recommendations to a range of stakeholders; Diligent, collaborative and entrepreneurial work-style delivering error-free output using innovative techniques and working with remote and on-site teams across the unit to drive improved risk analytics; Ability to work productively as part of a team on-site, remotely and in isolation as required; Experience in modelling using R or Python, and working and maintaining datasets using Teradata SQL or Microsoft SQL is an advantage; Sound time management and prioritisation; Apply knowledge of business and regulatory drivers when analysing model outcomes; Familiarity or experience with the Basel regulatory standards and relevant APRA regulations regarding credit risk, or IFRS9 requirements for collective provisions is an advantage; A solid foundation in applying advanced mathematical and statistical techniques and familiarity/experience with relevant tools such as R and Python, conducting modelling, data manipulation and data visualization; Education Qualification: Bachelor's degree/Master’s degree/Ph.D. in Data Science, Machine Learning, Computer Science, Computational Linguistics, Statistics, Mathematics, Physics If you're already part of the Commonwealth Bank Group (including Bankwest, x15ventures), you'll need to apply through Sidekick to submit a valid application. We’re keen to support you with the next step in your career. We're aware of some accessibility issues on this site, particularly for screen reader users. We want to make finding your dream job as easy as possible, so if you require additional support please contact HR Direct on 1800 989 696. Advertising End Date: 05/07/2025