672 Creditworthiness Jobs - Page 11

Skill required: Com.Bkg- Commercial Real Estate - Commercial Loan Servicing Designation: Banking Advisory Analyst Qualifications: BCom Years of Experience: 3 to 5 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. A process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal and escrow payments from a borrower. This includes sending monthly payment statements and collecting monthly payments, maintaining records of payments and balances, collecting and paying taxes and insurance (and managing escrow and impound funds), remitting funds to the note holder, and following up on delinquencies. What are we looking for? Strong domain expertise in commercial real estate (CRE) Loan Underwriting, Loan Abstraction, Operating Statements, Rent Rolls, Third Party Reports. Spread Operating Statement & Rent Roll, analyze trends, identify outliers and flag any potential areas of concern Review market performance and borrower creditworthiness to arrive at potential strengths and risks/mitigants for loans underwritten Project and Client handling experience Manage queries and clarifications from the Client Analyze complex transactions and provide guidance to team members Perform Review / Quality Check (QC) and provide feedback to team members Roles and Responsibilities: Good written and oral communication skills Interpretation of financial data like Loan Terms, Rent Rolls, Operating statements etc. Interpretation of complex Commercial, Office and Retail Loan documents Review of Third Party Reports Review/QA of Underwriting template analyzing every risk factor and identify Strengths & Mitigants Handle Client calls. Ability to work on multiple projects and work under tight timelines. BCom

Job Title: Credit Analyst / Credit Manager Department: Credit & Risk Reports To: Credit Head / Risk Manager Job Purpose: The role involves credit assessment and monitoring of loan proposals in line with company policies and risk frameworks. The Credit Analyst/Credit Manager will be responsible for evaluating applicants' financial health, business models, and creditworthiness while ensuring portfolio quality and risk mitigation. Key Duties & Responsibilities: Credit Assessment: Appraise and underwrite loans within defined credit policy guidelines. Recommend loan applications to the appropriate authority based on thorough risk assessment. Check and verify application files as per the company’s policy and process standards. Assess income, repayment ability, intention, and overall credit behaviour of applicants. Perform document verifications, reference checks, bureau checks, and customer due diligence. Understand the applicant’s business model, revenue streams, and associated risks. Evaluate credit risk parameters and suggest mitigation strategies wherever necessary. Prepare comprehensive credit approval memos with accurate financial and risk analysis. Manage turnaround time (TAT) for loan approvals to ensure process efficiency and high approval rates. Credit Monitoring: Maintain strict adherence to credit policies, regulatory guidelines, and internal processes. Continuously monitor portfolio quality to ensure early detection of risks. Conduct periodic analysis of exception approvals, rejection trends, and draw insights for corrective actions. Ensure credit quality standards are maintained and credit costs are under control. Support regular audits and internal compliance reviews related to credit processes. Required Qualifications: Bachelor’s degree in Finance, Commerce, Accounting, or related field (Mandatory) MBA/CA/CFA (Preferred) Experience:3–8 years of experience in credit assessment, underwriting, or credit risk management in NBFCs, Banks, or Financial Institutions. Skills & Competencies: Strong financial analysis and risk assessment skills. Familiarity with credit bureau reports and interpretation. Excellent communication, both written and verbal. High attention to detail and accuracy. Ability to manage deadlines while maintaining quality decisions. Proficiency in MS Office (Excel, Word) and credit-related tools. Ethical and compliance-oriented mindset. Key Performance Indicators (KPIs):Turnaround Time (TAT) for credit approvals. Portfolio quality – Delinquency and NPA levels. Exception approval tracking and management. Accuracy and completeness of credit appraisal notes.

Job Title: Credit Manager / Credit Analyst Department: Credit and Risk Management Reports To: Senior Credit Manager / Head of Credit Job Purpose: The Credit Manager/Analyst is responsible for evaluating loan applications, assessing creditworthiness, and ensuring compliance with internal policies and procedures. The role demands thorough financial analysis, risk assessment, and portfolio monitoring to maintain credit quality and support business growth. Key Duties & Responsibilities:1. Credit Assessment: Appraise and underwrite loan applications within defined credit policy guidelines. Recommend loan approvals to the appropriate authority based on assessment. Conduct detailed scrutiny of loan files in line with internal policies and process checks. Assess the income, repayment capacity, intention, and overall credit behaviour of applicants. Perform verification of documents, conduct reference checks, and ensure thorough bureau checks and customer due diligence. Understand the applicant’s business model, evaluate the revenue streams, and identify associated risks. Evaluate key credit risk parameters and implement effective risk mitigation measures. Prepare comprehensive credit approval memos with clear justifications. Manage turnaround time (TAT) for approvals and strive to maintain or improve approval rates. 2. Credit Monitoring: Ensure 100% adherence to credit policies, processes, and risk management frameworks. Regularly monitor portfolio quality and detect early warning signals. Conduct periodic reviews of exception approvals and perform rejection analysis to draw actionable insights. Take corrective actions based on monitoring to maintain portfolio health and minimize delinquencies. Ensure that credit costs remain under control without compromising on growth targets. Key Skills & Competencies: Strong analytical and financial assessment skills. Thorough understanding of credit appraisal processes, risk evaluation, and mitigation. Excellent knowledge of bureau reports, financial ratios, and business analysis. Decision-making ability under tight deadlines while balancing risk and business objectives. Strong written and verbal communication skills. Eye for detail and process-oriented mindset. Good understanding of compliance and regulatory frameworks related to lending. Educational Qualifications: Bachelor’s Degree in Finance, Commerce, Business, or a related field (Mandatory). Master’s degree in Finance / MBA / CA / CFA (Preferred). Experience:3–8 years of experience in Credit Risk, Underwriting, or Credit Assessment in Banking, NBFC, or Financial Services industry. Desired Attributes: High integrity and ethical standards. Ability to work independently with minimal supervision. Collaborative approach with cross-functional teams. Strong focus on portfolio quality, process adherence, and customer service. Employment Type: Full-time

Skills: Finance expert, Credit risk, Loan underwriting, Credit Analyst, business finanace, credit score, Bank Statement Analysis, KYC Compliance, Job Description We are looking for detail-oriented and analytical Credit Analyst to join our Credit team. The candidate will be responsible for assessing creditworthiness, credit analysis, preparing CAMs, managing credit risk, and ensuring the financial stability of our customers (NBFC). This role involves evaluating credit applications, monitoring existing credit accounts, and collaborating with internal teams to support informed credit decisions. Our ideal candidate has a solid understanding of lending procedures, excellent problem-solving skills, and a professional attitude towards managing credit issues. Responsibilities Credit Evaluation : Analyse credit applications and financial statements to assess credit risk and determine appropriate credit limits and terms. Risk Assessment : Conduct thorough credit risk assessments using quantitative and qualitative methods. Monitor and review credit risk exposure for wholesale accounts. Data Analysis : Utilize financial data, market trends, and credit scoring models to evaluate the financial health of wholesale customers. Reporting : Prepare detailed credit reports and summaries for senior management, highlighting potential risks and recommending action plans. Customer Interaction : Communicate with customers to gather necessary financial information, address credit concerns, and negotiate terms and conditions. Credit Policy Adherence : Ensure compliance with company credit policies and procedures. Recommend updates or improvements to credit policies as needed. Collection Support: Collaborate with the collections team to manage overdue accounts and resolve any credit-related issues. Market Research: Stay informed about industry trends, economic conditions, and competitor activities to anticipate potential credit risks. Presentation : Preparing and presenting reports on credit related activities to upper management Qualifications Proven work experience as a Credit analyst or similar role Knowledge of credit-related laws and regulations Experience performing credit reviews and risk assessment Proficiency with databases and software for processing credit applications Strong analytical and negotiation skills Excellent organizational and leadership skills Graduate and above, bachelor's degree in business administration, Finance or relevant field will be preferred. Good understanding of accounting standards, balance sheet analysis, Additional Information Job Title: Credit Analyst Work Environment: Office setting. Some travel may be required for client meetings. Reporting Structure: As per management decision Salary: Salary is based upon candidate experience and qualifications, as well as market and business considerations. Location: [Pune, Maharashtra] Employment Type: Full-time Equal Opportunity Statement: We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, colour, gender, age, marital status, veteran status etc..

Pegasus Mortgages Lending Center is a multi-national mortgage brokerage with offices in Toronto, Canada. We work with a variety of banks, professional associations, alternative and private lenders. Our culture emphasizes learning and innovation by providing intensive training programs, seminars, and workshops where we will provide you with the skills and knowledge for you to succeed with ongoing mentor-ship and training from the leadership team. We continuously invest in your growth and development every step of the way. We are seeking an experienced Home Loans Credit Manager with experience in a full mortgage loan life cycle including loan processing. Join us at Pegasus Mortgage Lending Center and let’s make you successful in your underwriting career. Opportunity Notes: This is a complete work from home international work opportunity. You will be required to work during 9:00 am to 6:00 PM EST (Eastern Standard Time), Monday to Friday. You will be required to commit extra work hours depending on workload in order to ensure project timelines are met. Holidays are granted based on Canadian scheduled holidays. Review the job description below in detail before applying. Only successful and qualified candidates will be contacted. Job Description You will be responsible for underwriting home loans applications completed by our Mortgage Brokers based on established eligibility and due diligence guidelines. The Credit Manager will be responsible for reviewing and verifying mortgage applications along with supporting documents, auditing for red flags, analyzing financial risk and requesting additional information or documentation as necessary to give a firm decision to protect the interest of borrower as well as organisation from any associated risk. You will also be responsible to provide professional advice to our Mortgage Brokers in quick and efficient manner. Your responsibilities will include but are not limited to: · Collaborating with both the agent/Broker and Lender desk to ensure applications are completed, decisioned and disbursed in a timely manner · Validating Borrower provided information and documents to ensure each application is error free and complete prior to signing off on any mortgage conditions or documents · Able to understand Credit Bureau reports to verify the information provided by client, in order to ensure accuracy · Reviewing income documents, bank statements, tax returns to and analyzing for accuracy, discrepancies and mitigating fraud · Understanding Mortgage products and industry guidelines, including mortgage terminology and calculations to gain an ability to offer multiple products to agents as per eligibility · Ability to identify and make recommendations for approval policy exceptions · Completes a thorough analysis of loan files to determine compliance with organisation, lender and regulatory guidelines · Mitigating Lender’s risk by conducting a thorough and prudent review of each application and analyzing borrower’s creditworthiness and ability to repay the loan as agreed for the terms requested · Prepares and issues mortgage commitments and other Pegasus documents with appropriate conditions within established service level agreements/turnaround times · Maintains underwriting activity logs and provides monthly underwriting report to underwriting manager · Responds to post-closing reviews and audits in a timely manner · Check the accuracy of all calculations and data integrity · Maintains organisation standard for productivity by managing high volumes with a continued focus on service excellence · Staying knowledgeable about market trends, emerging issues, evolving regulations and industry codes of conduct as well as participate in process improvement opportunities to protect the interests of the organization · Strive to achieve productivity targets and going beyond to set new benchmarks · Participate fully as a team member, help build a positive and diverse work environment, willingly assist and mentor others in the completion of work activities Job Requirements: · 4 year post secondary diploma or degree in Finance, or related field · 3-5 years of underwriting or credit and risk analysis experience · 3-5 years working with Home Loans Credit adjudication will be preferred · 3-5 years work experience in Banking, Credit or Investments · Experience with both refinance and purchase preferred · Sound working knowledge of industry, legal and regulatory guidelines · Highly organised and able to prioritize · Excellent interpersonal, written and verbal communication skills · Customer service orientation with an innate sense of service and empathy for others · Detail oriented with strong data analysis skills and high mathematical aptitude · Proficiency in Microsoft office and automated underwriting systems Other Requirement: · A desktop workstation based on our specifications with 2 hours battery backup · A headset microphones · Internet with backup power · Electricity backup (Ups/Generator/Others) · Dedicated area/separate room for work Schedule: Eastern Standard Time (Toronto time) Monday to Friday 9:00 AM to 6:00 PM Job Type: Full-time Pay: ₹500,000.00 - ₹800,000.00 per year

Role: US Mortgage Post Closing Underwriter Location: Bangalore (Pure WFO role) Overview: We are hiring a Post Closing Underwriter to assess the risk and eligibility of loan and mortgage applications using the industry-standard 4 C’s framework: Credit, Capacity, Collateral, and Capital. This role involves analyzing financial documents, verifying borrower information, evaluating collateral, and ensuring regulatory compliance. The ideal candidate will be skilled in financial analysis, risk evaluation, and decision-making, with a strong eye for detail and documentation. Responsibilities: Credit Analysis: Review applicants’ credit histories, including credit scores, payment histories, and outstanding debts. Assess creditworthiness and identify potential risks. Capacity Evaluation: Analyse borrowers’ income and employment history. Calculate debt-to-income ratios to determine repayment ability. Evaluate stability and consistency of income sources. Collateral Assessment: Appraise the value of the property or asset being used as collateral. Ensure the collateral meets the lender’s standards and covers the loan amount. Capital Verification: Verify the borrower’s assets and savings. Assess the availability of funds for down payments and reserves. Decision Making: Approve or deny loan applications based on comprehensive risk assessments. Recommend loan terms and conditions. Documentation and Reporting: Maintain detailed records of all evaluations and decisions. Prepare reports summarizing findings and recommendations. Qualifications & Skills: Bachelor’s degree in any stream is mandatory (preferably in Accounting or Finance). Minimum 3 years experience in US Mortgage Post Closing / Originations. Willing to work in rotational and night shifts (US Client). Pure work from office only. Strong analytical and problem-solving skills. Should have good knowledge in reviewing US Mortgage Documents in depth. Should have strong verbal and written communication. Ability to multitask and prioritize work in a deadline intensive and fast paced environment. Job Type: Full-time Schedule: Night shift Work Location: In person

Skill required: Com.Bkg- Commercial Real Estate - Commercial Loan Servicing Designation: Banking Advisory Analyst Qualifications: BCom Years of Experience: 3 to 5 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. A process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal and escrow payments from a borrower. This includes sending monthly payment statements and collecting monthly payments, maintaining records of payments and balances, collecting and paying taxes and insurance (and managing escrow and impound funds), remitting funds to the note holder, and following up on delinquencies. What are we looking for? • Strong domain expertise in commercial real estate (CRE) Loan Underwriting, Loan Abstraction, Operating Statements, Rent Rolls, Third Party Reports. • Spread Operating Statement & Rent Roll, analyze trends, identify outliers and flag any potential areas of concern • Review market performance and borrower creditworthiness to arrive at potential strengths and risks/mitigants for loans underwritten • Project and Client handling experience • Manage queries and clarifications from the Client • Analyze complex transactions and provide guidance to team members • Perform Review / Quality Check (QC) and provide feedback to team members Roles and Responsibilities: • Good written and oral communication skills • Interpretation of financial data like Loan Terms, Rent Rolls, Operating statements etc. • Interpretation of complex Commercial, Office and Retail Loan documents • Review of Third Party Reports • Review/QA of Underwriting template analyzing every risk factor and identify Strengths & Mitigants • Handle Client calls. • Ability to work on multiple projects and work under tight timelines. BCom

Salesman, Two-Wheeler Auto Parts (Sales & Collections Focused) Job Summary: We are seeking a highly motivated and results-driven Salesman to join our dynamic team in the two-wheeler auto parts industry. The ideal candidate will be responsible for aggressively expanding our customer base, driving sales growth through increased order volume, and meticulously managing the entire payment cycle from order placement to collection. This role requires a proactive individual with excellent communication, negotiation, and interpersonal skills, who is adept at building strong client relationships while also ensuring financial discipline and timely payment realization. Key Responsibilities: 1. Sales & Order Generation (Focus on "Getting More Orders"): Market Penetration & Expansion: Identify and target new potential customers (dealers, mechanics, workshops, retailers) within the assigned territory. Conduct thorough market research to understand competitor activities, pricing strategies, and emerging market trends. Develop and execute strategic sales plans to achieve and exceed monthly/quarterly sales targets. Customer Relationship Management: Cultivate and maintain strong, long-term relationships with existing customers through regular visits, communication, and exceptional service. Understand customer needs, pain points, and preferences to offer tailored product solutions and enhance customer satisfaction. Proactively address customer inquiries, complaints, and feedback to ensure a positive experience. Product Knowledge & Promotion: Maintain an in-depth understanding of our entire range of two-wheeler auto parts, including technical specifications, applications, and competitive advantages. Effectively present and demonstrate products to customers, highlighting features and benefits. Introduce new products and promotions to customers, driving their adoption and increasing order value. Participate in trade shows, exhibitions, and promotional events to showcase products and generate leads. Order Management: Generate accurate sales orders, ensuring correct product codes, quantities, and pricing. Coordinate with the logistics and warehouse teams to ensure timely dispatch and delivery of orders. Monitor order fulfillment and proactively communicate any delays or issues to customers. 2. Payment Management & Collection (Focus on "Look into Timely Payments" & "Manage Collection of Payments"): Credit Policy Adherence: Thoroughly understand and adhere to the company's credit policies and terms for all transactions. Communicate payment terms clearly and effectively to customers at the time of order placement. Timely Payment Monitoring & Follow-up: Proactively monitor customer payment cycles and due dates. Initiate timely follow-ups with customers through phone calls, emails, and visits to ensure payments are made as per agreed terms. Maintain a detailed record of all outstanding payments and follow-up actions. Negotiation & Problem Solving: Skillfully negotiate payment plans with customers who are experiencing difficulties, while adhering to company guidelines. Investigate and resolve payment discrepancies, billing errors, and credit-related issues in a professional and timely manner. Escalate complex collection cases to management when necessary. Reconciliation & Reporting: Reconcile customer accounts to ensure accuracy of invoices and payments received. Prepare regular reports on outstanding payments, collection status, and potential bad debts. Collaborate with the accounts department to ensure accurate posting of payments and resolution of any discrepancies. Risk Mitigation: Assess the creditworthiness of new customers and recommend appropriate credit limits. Identify potential risks associated with overdue payments and implement strategies to minimize them. Qualifications: Education: Bachelor's degree in Business Administration, Marketing, or a related field preferred. Experience: Minimum of [X] years of proven sales experience in the two-wheeler auto parts industry is essential. (Specify a number, e.g., 2-5 years) Demonstrable track record of achieving sales targets and managing payment collections. Skills: Excellent sales, negotiation, and persuasion skills. Strong interpersonal and communication skills (verbal and written) in [Local Language(s) - e.g., Gujarati, Hindi, English]. Proficient in building and maintaining customer relationships. Solid understanding of sales principles, customer service practices, and collection techniques. Ability to work independently and as part of a team. Results-oriented with a strong drive to meet and exceed targets. High level of integrity and professionalism. Basic computer proficiency (MS Office, CRM software). Valid two-wheeler driving license and willingness to travel extensively within the assigned territory. Working Conditions: This role primarily involves fieldwork, with significant time spent visiting customers in their locations. Requires frequent travel within the assigned territory, often using a two-wheeler. May involve occasional evening or weekend work for sales events or urgent collections. This detailed description provides a comprehensive overview of the responsibilities and requirements for a salesman in the two-wheeler auto parts industry with a strong emphasis on both sales growth and diligent payment management. Job Types: Full-time, Permanent, Fresher Pay: ₹10,000.00 - ₹25,000.00 per month Benefits: Cell phone reimbursement Paid sick time Paid time off Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Work Location: In person Application Deadline: 01/07/2025 Expected Start Date: 07/07/2025

About The Role Grade Level (for internal use): 10 The Team A part of Ratings Technology, the Ratings QA team leads the IT organization in the delivery of trusted quality to our users. From a foundation of disciplined processes, QA seeks out innovative testing solutions, reliable & transparent test execution, and aspires towards continuous improvement in achieving top quality. In close partnership with Product Management and Product Engineering, QA team members help drive quality accountability, and work to ensure our end users receive reliable, stable, defect free products, which help confidently execute our business and elevate our products. Responsibilities Responsible for certifying applications that integrate Generative AI models & workflows Validate the functionalities of the In-House Generative AI platform that serves models to internal users. Ensure high-quality standards and performance of applications without involvement in model evaluations. Develop automation/performance scripts that meet organization standards and build reliable, reusable and maintainable automated regression suites & test harness Leverage tools and frameworks to build automation/performance scripts with quality code to simplify testing scenarios Work in an Agile environment and adhere to all QA best practices. Work in partnership with Scrum team members, including engineering and product management, to deliver business functionality on-time, with required quality, and that meets the acceptance criteria Write test cases and scenarios from the requirements/designs; manage bug tracking. Trigger, monitor and control the execution of automated test suites, identifying issues and potential gaps. Support QA governance of test processes, data, and execution metrics to help drive improve the performance of team. Perform risk analysis for features/projects in your ownership, provide mitigation and escalate appropriately. Collaborate effectively with technical and non-technical stakeholders to analyze, debug and resolve any issues. Basic Qualifications 6 to 10 years’ experience in certifying complex business applications / workflows 1-2 years of experience / exposure in working with Generative AI applications Exposure or awareness of LLM model evaluations Practitioner level understanding of prompt engineering Strong hands-on coding/scripting experience in automation testing & engineering programming using Python/Java languages. Experience in design and development of automated tests using automation tool (e.g., Python, Selenium) across the application layers (UI/Service/Data layers) and root cause analysis. Experience of working with REST services Exposure to distributed source control systems such as Git Excellent problem solving, analytical and technical troubleshooting skills. Experience of testing in CI/CD/CT, Azure DevOps model. In depth usage and creation of automation framework for testing JSON, Rest/SOAP based web services Bachelor's or higher qualification in Computer Science, Information Systems or equivalent is preferred. Knowledge of testing in continuous integration/DevOps models is a plus. Understanding of Cloud technologies like AWS/Azure and micro-services, containers integration testing will be added advantage. Grade: 10 Location: Hyderabad Orion Shift time: 12pm to 9pm IST Hybrid Model: twice a week work from office 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: 307718 Posted On: 2025-06-12 Location: Hyderabad, Telangana, India

Skill required: Com.Bkg- Commercial Real Estate - Commercial Loan Servicing Designation: Banking Advisory Analyst Qualifications: BCom Years of Experience: 3 to 5 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. A process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal and escrow payments from a borrower. This includes sending monthly payment statements and collecting monthly payments, maintaining records of payments and balances, collecting and paying taxes and insurance (and managing escrow and impound funds), remitting funds to the note holder, and following up on delinquencies. What are we looking for? Strong domain expertise in commercial real estate (CRE) Loan Underwriting, Loan Abstraction, Operating Statements, Rent Rolls, Third Party Reports. Spread Operating Statement & Rent Roll, analyze trends, identify outliers and flag any potential areas of concern Review market performance and borrower creditworthiness to arrive at potential strengths and risks/mitigants for loans underwritten Project and Client handling experience Manage queries and clarifications from the Client Analyze complex transactions and provide guidance to team members Perform Review / Quality Check (QC) and provide feedback to team members Roles and Responsibilities: Good written and oral communication skills Interpretation of financial data like Loan Terms, Rent Rolls, Operating statements etc. Interpretation of complex Commercial, Office and Retail Loan documents Review of Third Party Reports Review/QA of Underwriting template analyzing every risk factor and identify Strengths & Mitigants Handle Client calls. Ability to work on multiple projects and work under tight timelines.

Job Overview: The Credit Officer is responsible for evaluating online loan applications, assessing risk, ensuring compliance with regulatory guidelines, and managing collections to minimize bad debts. The role requires strong communication & analytical skills, decision-making abilities, and a customer-focused approach to ensure timely recoveries. Key Responsibilities: Loan Processing & Credit Assessment: Evaluate online loan applications, verify income/employment, and assess creditworthiness using financial statements and CIBIL reports. Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms. Approve or reject loan applications based on risk assessment. Documentation pre–Loan Disbursement: Verify KYC, salary slips, bank statements, and other loan agreements before disbursement. Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations. Educate borrowers on loan terms, repayment schedules, and penalties. Coordinate with finance teams for timely loan disbursements. Identify fraud, risks and report suspicious applications. Collections & Recovery: Monitor active loans and track overdue accounts. Contact borrowers via calls, emails, and messages to ensure timely payments. Negotiate repayment plans and settlements to optimize recovery. Escalate non-recoverable loans to recovery teams if necessary. Customer Relationship Management: Maintain strong customer relationships to improve repayment rates. Address borrower queries and educate them on responsible borrowing. Qualifications & Skills: Education: Bachelor’s degree in Finance, Commerce, Accounting, or a related field. Experience: Preference for experience in credit assessment & collections (NBFC/ loans). Technical Skills: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis. Soft Skills: Good analytical, negotiation, and communication skills. Key Competencies: Quick decision-making, problem-solving, and adaptability in dynamic financial environments. Who can apply: Experienced or fresher Male / Female (preferred) candidates can apply for this vacancy. Work Conditions: Fixed working hours (06 days a week). Job Types: Full-time, Permanent Pay: ₹18,000.00 - ₹25,000.00 per month Benefits: Paid sick time Provident Fund Schedule: Day shift Education: Bachelor's (Required) Location: Dwarka, Delhi, Delhi (Required) Work Location: In person

Job Description : The position would primarily be responsible for the growth of business in the defined territory through the creation, nurturing, and management of a dealer network and stakeholders comprising of influencers and thereby achieving overall business objectives set out by the management. Responsibilities : Salary Negotiable - Delivering on value and volume for geography - Prepare a plan to achieve the assigned business objectives for the depot on a monthly level and work towards the achievement of targets as per the budget - Assist our products in achieving their overall sales target through regular visits, scheme communication, and timely service. - Ensure the growth of core products along with new and focused products - Analyze area-level data to identify gaps and drive necessary Initiatives - Explore and new Customers to expand the overall sustainable sales potential in the area. Increase participation. - Implement channel initiatives schemes and ensure control measures - Track and solve Customers queries timely manner to maintain a productive relationship - Ensure the availability of material, services, and promotional tools to the Customers through coordination with other functions - Implement marketing plans, new launches, promotion, pricing, product mix & distribution policies of the organization. - Control entire accounting and audit-related queries - Collecting receivables is per the organization's norms and review of credit creditworthiness of business associates and timely review of the same. - Drive influencer loyalty programs as per the policies of the organization. Ensure extension of benefits to influencers as per the defined loyalty program structure - Monitoring team/depot performance by analyzing dashboards (sales and commercial) and taking necessary actions in concurrence with management - Monitoring team/depot performance by analyzing dashboards (sales and commercial) and taking necessary actions as and when required in concurrence with management Job Types: Full-time, Permanent Pay: ₹35,000.00 - ₹50,000.00 per month Benefits: Health insurance Paid sick time Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Work Location: In person

Job Title: Credit Manager – CMA/CAM (Balance Sheet & P&L Analysis) Department: Credit & Risk / Finance Job Type: Full-Time Industry: Banking / NBFC / Financial Services / Corporate Lending Job Summary: We are looking for a qualified and detail-oriented Credit Manager with a strong background in financial statement analysis, specifically someone who has worked in CMA (Credit Monitoring Arrangement) and CAM (Credit Appraisal Memo) teams. The ideal candidate will play a critical role in evaluating clients' financials—primarily Balance Sheets and Profit & Loss accounts—to assess creditworthiness and recommend lending decisions. Key Responsibilities: Analyze and interpret Balance Sheet, Profit & Loss, and cash flow statements of prospective and existing clients. Prepare and review CMA data , financial projections , and CAM reports for credit underwriting. Assess business viability, financial health, and repayment capacity based on financial ratios and industry benchmarks. Draft detailed credit appraisal notes and recommend appropriate credit limits, terms, and structures. Ensure all proposals are in compliance with internal credit policy and regulatory guidelines (RBI/Bank norms). Liaise with internal teams (sales, legal, operations) for end-to-end credit evaluation and documentation. Regularly review borrower performance and update credit evaluations and exposure. Flag early warning signs by monitoring overdue accounts and deteriorating financial health. Maintain accurate and complete documentation of all credit assessments and approval processes. Required Skills & Competencies: Expertise in CMA preparation , CAM documentation , and credit appraisal process. Strong command over financial statement analysis and working capital assessment. Proficiency in ratio analysis, forecasting, and Excel-based financial modeling. Good understanding of industry risk, market conditions, and regulatory compliance. Attention to detail with strong decision-making and analytical abilities. Effective communication and stakeholder management skills. Qualifications: Graduate or Postgraduate in Finance, Commerce, or Accounting. Preferred: CA / CA Inter / MBA (Finance) / M.Com with strong accounting fundamentals. Experience: 3 to 7 years of relevant experience in credit analysis, preferably within the CMA/CAM team of a Bank, NBFC, or Financial Institution . Job Type: Full-time Pay: ₹20,000.00 - ₹35,000.00 per month Benefits: Provident Fund Schedule: Fixed shift Work Location: In person

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. Education: Preferably a 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 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.

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. 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.

Embark your transformative journey as a Unsecured Capital Model Risk-Vice President. At Barclays we are committed to pushing boundaries where you'll spearhead the evolution of our Model Risk landscape, driving innovation and excellence. You will be working with experts like Model developers and Tech consultants, connect the dots with Regulatory requirements, Portfolio strategy; brainstorm within team and then taking a sustainable decision that can withstand the challenges from IVU, Audit & Regulators. You will be understanding the customer credit behavioural trends, optimise portfolio risk and return, analytically design credit policies and underwriting strategies, and set credit parameters for all programmes that impact customers to ensure loss rates remain within risk appetite whilst the expected reward is achieved which cuts across the several different products within the UK market including Credit Card, Loan, Partner Finance, and personal Current Account & Overdraft businesses. To be successful as a Unsecured Capital Model Risk-Vice President, you should have experience with: Excellent communication skills who appreciate the importance of narratives, ability to challenge and speak-up to drive the right outcomes for the business and our customers. Sound people management skills . Ability to work independently, advise stakeholders, and thrive in a dynamic and fast paced environment. Expert with Advanced Statistical model development or validation . Proficient with Regulation (Basel, IFRS9) and interpretation. Proficient with SAS/ Python, Ms-office tools. Ability to provide oversight to strategic initiatives to large scale changes in the data or platform. Some Other Highly Valued Skills May Include Strong academic background in a numerical discipline e.g. mathematics, statistics, informatics, economics, physics etc. Excellent quantitative skills with exceptional analytical skills and logical thinking. Understanding of Basel 3.1, IFRS9 and BCBS regulation and how they interact. Experience designing Regulatory Capital models – PD, EAD, LGD for retail portfolios. Advanced understanding of automation tools like Tableau, GenAI integration into productivity improvement . 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 will be based out of Noida. Purpose of the role To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio. Accountabilities Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions. Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio. Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses. Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile. Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters. 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.

Role De scription This is a full-time on-site role as a Branch Credit Manager located in Vellore. The Branch Credit Manager will be responsible for credit management, credit risk management, analyzing financial data, and evaluating creditworthiness to ensure sound lending decisions. The role involves assessing credit applications, mitigating credit risks, and monitoring the credit portfolio. Qualifications Credit Management and Credit Risk Management skills Analytical Skills and Finance knowledge Experience in evaluating creditworthiness and analyzing financial data Strong understanding of credit principles and lending practices Bachelor's degree in Finance, Business, Economics, or related field Relevant certification in credit analysis or risk management is a plus Excellent communication and interpersonal skills

Embark on a transformative journey as an Assistant Vice Period - UKCB Corporate Risk at Barclays, 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. Role is 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. Skills To be successful in this role as an Assistant Vice Period - UKCB Corporate Risk ,you should possess the following skillsets: 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. Assistant Vice President Expectations To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes 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 lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders 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 an Assistant Vice Period - UKCB Corporate Risk at Barclays, 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. Role is 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. Skills To be successful in this role as an Assistant Vice Period - UKCB Corporate Risk ,you should possess the following skillsets: 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. Assistant Vice President Expectations To advise and influence decision making, contribute to policy development and take responsibility for operational effectiveness. Collaborate closely with other functions/ business divisions. Lead a team performing complex tasks, using well developed professional knowledge and skills to deliver on work that impacts the whole business function. Set objectives and coach employees in pursuit of those objectives, appraisal of performance relative to objectives and determination of reward outcomes 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 lead collaborative assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will identify new directions for assignments and/ or projects, identifying a combination of cross functional methodologies or practices to meet required outcomes. Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders 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. Back to nav Share job X(Opens in new tab or window) Facebook(Opens in new tab or window) LinkedIn(Opens in new tab or window)

Job Summary As a Standard Chartered Relationship Manager in SME Banking, you’ll be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the bank's strategic objectives. You’ll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements. Key Responsibilities To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. Contribute toward achieving the team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, colleagues in Client Due Diligence, and partners in Risk, Compliance, other support functions, and Product. Skills And Experience Minimum 5 years of relevant experience in serving Business, Commercial and Corporate clients. Experience servicing cross-border international businesses. Proven track record in client relationship management and business development. Demonstrates strong understanding of accounting principles, financial modelling, and financial statement analysis. Able to assess client creditworthiness and provide key risk considerations and mitigations. Sound product knowledge on trade, cash, lending, and FX. Strong understanding of local industries, supply and value chains, and market environment. Knowledge of operational procedures, documentation requirements, banking practices and regulations related to SME Banking. Strong understanding in business guidelines and compliance issues. Sound knowledge of financial markets and investment products. Outstanding communication and presentation skills. Motivated self-starter, identifying opportunities, providing innovative approaches to meet client needs. Maintains a high standard of personal conduct and lives our valued behaviours. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers

Company Description Established in 2010, ATC Engineering Systems Pvt. Ltd. is dedicated to delivering high-quality engineered solutions for the Discrete and Process Manufacturing Industries. We are a Golden RCSI partner of Rockwell Automation, a system integrator for Rittal, and an ISO 9001:2015 certified company. Recognized with a CRISIL rating of MSE 2, we are noted for our good creditworthiness and high operational performance among MSMEs. Our mission is to be a trusted partner in Control, Instrumentation, and Erection services, consistently delivering value through precision engineering and customer-centric solutions. Our team is committed to customer satisfaction through qualitative inputs and responsive service, continuously enhancing our offerings. Role Description This is a full-time on-site role for a Technical Sales Engineer, located in Noida. The Technical Sales Engineer will be responsible for identifying and developing new business opportunities, providing technical support and solutions to customers, and driving sales growth. Day-to-day tasks include preparing and delivering technical presentations, negotiating contracts, and collaborating with the engineering team to ensure customer requirements are met. Maintaining strong relationships with clients and providing ongoing support will also be critical responsibilities in this role. Qualifications Bachelor’s degree in Engineering (preferably Electrical/Instrumentation) Skills in Technical Sales and Sales Engineering Experience in providing Technical Support Strong Communication and Sales skills Ability to understand and convey technical information effectively Proficiency in preparing and delivering technical presentations Bachelor’s degree in Engineering, or related field Experience in the manufacturing industry is a plus Excellent problem-solving and analytical skills Capability to work collaboratively with a team Salary: As per industry standards (Negotiable) Joining: Immediate / As early as possible

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

JD - Location Credit Manager 1. Credit Assessment & Underwriting: Evaluate loan applications for Loan Against Property (LAP) and Affordable Housing Loans at the location level. Assess borrower profiles, financial statements, and property documents to determine creditworthiness. Perform due diligence, including Customer meeting, tele verification check, CIBIL/credit bureau checks, banking analysis, and market references. Ensure that loan proposals align with the company's credit policy and risk appetite. 2. Loan Processing & Decision Making: Approve loan applications within the designated authority limit and recommend higher-value proposals as required. Coordinate with legal, technical, and operations teams to ensure smooth loan processing and disbursement. Managing vault and safe keeping of property documents and Identify potential risks in loan proposals and recommend mitigation strategies. 3. Risk & Portfolio Management: Monitor the portfolio for early warning signals, delinquencies, and fraud detection. Work closely with the collections team to ensure timely follow-ups on overdue accounts. Conduct regular credit reviews and portfolio analysis to maintain a healthy loan book. 4. Compliance & Audit: Ensure adherence to internal credit policies, RBI/NHB guidelines, and regulatory requirements. Maintain proper documentation and ensure audit readiness at all times. Work with internal and external auditors to ensure smooth audit processes. 5. Stakeholder & Team Management: Provide training and guidance to sales and credit teams on loan policies and credit evaluation. Collaborate with business teams to ensure a balance between growth and risk management. Engage with legal and technical vendors for smooth processing of loan approvals. Key Skills & Competencies: Strong understanding of LAP & Affordable Housing Loans underwriting. Knowledge of legal & technical aspects related to property financing. Experience in credit risk assessment, financial analysis, and portfolio monitoring. Familiarity with CIBIL, CRIF, and other credit assessment tools. Attention to detail, decision-making ability, and problem-solving skills. Excellent communication and stakeholder management skills.

Job Summary The Field Leader is at the forefront of our operations, responsible for delivering exceptional client experiences. This role involves expertly managing client interactions, conducting tailored training sessions, ensuring accurate field documentation, overseeing loan collections, and resolving issues promptly. The Field Leader is integral to achieving organizational goals by fostering trust and ensuring operational excellence in the field. Job Details Designation: Field Leader Workplace Type: On-site Employment Type: Full-Time Roles and Responsibilities Manage a caseload of at least 650 clients , ensuring their concerns and needs are addressed efficiently. Facilitate loan disbursements ranging from ₹15 to ₹20 lakh monthly, adhering to company policies. Conduct Credit and Group Training (CGT) sessions to empower clients with financial management skills. Ensure timely and complete collection of loan repayments, proactively minimizing delinquencies and defaults. Perform Loan Utilization Checks to verify the appropriate use of disbursed funds. Maintain full coverage of all households in the assigned portfolio, ensuring no eligible client is overlooked. Conduct thorough Know Your Customer (KYC) verifications, meeting regulatory and organizational standards. Implement Best Client Selection by identifying high-potential clients based on creditworthiness and repayment history. Perform Income Parameter Analysis to evaluate clients’ repayment capacity and customize loan offerings. Skills Required Client Handling: Professional, empathetic, and efficient management of client interactions. Field Work: Conduct on-site visits to assess client needs and verify information. Monitoring: Proactively track client accounts to ensure loan compliance and address any issues. Technology Proficiency: Skilled in using computers and mobile devices for record-keeping, communication, and transactions. Bike Riding: Efficient navigation between client locations and the office for timely service delivery. Adaptability: Eagerness to learn new skills and embrace professional growth opportunities. Education and Experience Minimum Qualification: 12th Grade Open to both freshers and experienced candidates . Job Types: Full-time, Permanent, Fresher Pay: ₹15,000.00 - ₹20,000.00 per month Benefits: Health insurance Leave encashment Life insurance Provident Fund Schedule: Day shift Monday to Friday Supplemental Pay: Yearly bonus Ability to commute/relocate: Saharanpur, Uttar Pradesh: Reliably commute or planning to relocate before starting work (Required) Language: Hindi (Required) Work Location: In person

Job Title: Due Diligence Underwriter Location: Chennai Position Type: Full-Time Experience Required: 1 – 6 years Joining Preference: Immediate Job Overview We are looking for a detail-oriented and analytical Due Diligence Underwriter to join our team. This role is critical in the mortgage lending process, focusing on assessing the creditworthiness and risk profile of potential borrowers. The underwriter will evaluate loan applications, analyze financial information, and ensure all lending decisions comply with internal policies and regulatory guidelines. Key Responsibilities: Loan Application Review Analyze and verify loan applications to ensure all required documents are complete and accurate Review borrower’s credit history, employment, income, and debt levels Confirm property valuation using appraisal reports Credit and Financial Analysis Evaluate credit reports to assess borrower creditworthiness Analyze financial statements, tax returns, and pay stubs Calculate debt-to-income (DTI) and loan-to-value (LTV) ratios Property Valuation Review Review appraisals and alternative valuation reports Ensure appraisals conform to client-specified requirements Compliance and Risk Assessment Ensure loans meet all federal, state, and local regulations Adhere to internal underwriting policies and procedures Identify and assess risk factors associated with loan applications Essential Skills and Requirements Bachelor’s degree in any discipline 1 to 6 years of experience in mortgage processing or underwriting In-depth knowledge of mortgage industry regulations and practices Strong analytical and problem-solving skills High attention to detail and strong organizational skills Proficient with mortgage processing systems and financial tools Excellent verbal and written communication skills Ability to work under pressure and meet tight deadlines Understanding of credit reports and financial documents Certification in mortgage underwriting or related field is a plus