672 Creditworthiness Jobs - Page 12

*Leads a sales team, develops sales strategies, and achieves sales targets. *Ability to identify, assess, and mitigate potential risks associated with commercial vehicle financing. *Excellent verbal and written communication skills for interacting with clients, colleagues, and other stakeholders. *Strong ability to analyze financial statements, tax returns, and other financial documents to assess credit risk. *Developing and maintaining strong relationships with clients, dealers, and other stakeholders in the commercial vehicle ecosystem. *Some roles focus on developing relationships with dealers, sourcing new clients, and achieving sales targets. This may involve cross-selling other financial products. *This includes evaluating loan applications, assessing borrower creditworthiness (financial statements, credit history), and determining loan terms (interest rates, loan structure, collateral.

Company Description SATYA Micro Housing Finance Pvt. Ltd. (SMHFPL), formerly Baid Housing Finance Private Limited, is a Housing Finance Company registered with the Reserve Bank of India. Incorporated in 2008, SMHFPL focuses on providing housing finance to self-employed, low to middle-income families in semi-urban and rural areas of India. The company aims to help underserved communities achieve their dreams of home ownership. Role Description This is a full-time on-site role for a Credit Analyst, located in Hardoi. The Credit Analyst will be responsible for evaluating and analyzing the creditworthiness of loan applicants. Day-to-day tasks include assessing financial records, preparing credit reports, and making recommendations on approval or denial of loan applications. The role also involves communicating with applicants and ensuring compliance with company policies. Qualifications Strong Credit Management and Credit assessment skills Excellent Analytical Skills for financial evaluation Effective Communication skills to interact with applicants and team members Solid understanding of Finance principles Bachelor's degree in Finance, Business, Economics, or related field Experience in the housing finance sector is a plus Attention to detail and ability to work independently

Company Description IDFC FIRST Bharat Limited is a subsidiary of IDFC FIRST Bank and acts as a Business Correspondent, offering a variety of loan products and insurance services. The company operates in 11 states, serving over 3.5 million households through a team of more than 14,800 employees. IDFC FIRST Bharat Limited focuses on economic sustainability and empowerment of women and families through financial products and services. Role Description This is a full-time Mortgage Relationship Manager role located in Bhubaneswar. The Mortgage Relationship Manager will be responsible for managing relationships with clients, prospecting new clients, and promoting mortgage loan products. This role involves analyzing financial information, evaluating creditworthiness, and ensuring compliance with regulations. Qualifications Experience in mortgage lending, relationship management, and sales Knowledge of mortgage loan products and services Strong communication and interpersonal skills Ability to analyze financial data and assess credit risk Familiarity with regulatory requirements in the financial industry Bachelor's degree in Finance, Business Administration, or related field Certification in Mortgage Banking is a plus

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 Leader 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. You will be responsible for developing and executing a strategic sales plan for South 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. Mode of working: Work from office, Frequent travel. 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 favourable 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 are we looking 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 client. Education: Bachelor/master’s degree in business/ finance/economics or Chartered Account/CFA.

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. 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. Education: Preferably a Master’s degree in business/ Finance/Economics or Chartered Account/CFA.

Company Description SBFC Finance Limited, headquartered in Mumbai, is a new-age financial services institution focused on providing credit to small businesses and consumers. Founded in 2017, SBFC aims to finance 50 million small businesses through technology adoption. The company is led by experienced executives from HDFC Bank and Kotak Mahindra Bank, with a strong focus on retail lending, underwriting practices, and technology. Role Description This is a full-time on-site role for a BSM (Individual) at SBFC Finance Limited located in Pratapgarh. The role will involve day-to-day tasks related to managing financial services for individual clients, assessing creditworthiness, and developing customized financial solutions to meet clients' needs. Qualifications Financial analysis and risk assessment skills Customer relationship management and interpersonal skills Knowledge of financial products and services Ability to work in a fast-paced environment and meet targets Strong communication and presentation skills Bachelor's degree in Finance, Business Administration, or related field

About the Company Revfin is an innovative digital lending platform at the forefront of transforming sustainable mobility and promoting financial inclusion in India. Founded in 2018, Revfin provides accessible and convenient financing for electric vehicles through Aristo Capital, its own RBI-registered NBFC, leveraging advanced technologies such as biometrics, psychometrics, and gamification to assess creditworthiness using alternative data sources. With a robust digital infrastructure and IoT-enabled vehicle monitoring, Revfin empowers drivers to optimize their productivity and earnings. While it began by financing electric three-wheelers (E3Ws), Revfin has since expanded its scope to include a broad range of electric vehicles such as e2Ws, e4Ws, e-trucks, e-buses, batteries, and charging stations, offering comprehensive loan solutions across first-mile, mid-mile, and last-mile mobility use cases. Complementing its lending services, Revfin also offers insurance through its IRDAI-approved broking arm, Revfin Insurance Broking Private Limited, under the brand Revfinsure. Role: Business Data Analyst – Collections Strategy & Performance Location: Delhi Experience: 4–6 years Department: Collections / Risk / Strategy Employment Type: Full-time Key Responsibilities: Analyze portfolio performance across delinquency buckets (DPD), resolution rates, and agent-level productivity to identify trends, gaps, and opportunities. Support design and evaluation of collection strategies, including segmentation, channel mix (field vs. tele), and incentive structures. Deep-dive into geographic, product-level, and agent-level performance to optimize field deployment and tele-calling prioritization. Collaborate with business, product, and collections teams to test and roll out initiatives such as promise-to-pay follow-ups, intensity strategies, and skip-tracing models. Conduct competitor and benchmark analysis to understand best practices and performance standards. Build models to forecast collections performance and recovery curves under different scenarios. Provide actionable insights to leadership and contribute to monthly/quarterly strategy reviews. Work closely with data engineering/MIS teams to ensure alignment on metrics, data definitions, and experiment tracking. Key Requirements: Bachelor’s degree in Economics, Statistics, Engineering, or Business Analytics; Master’s degree (MBA/PGDM or equivalent) is strongly preferred. 4–6 years of experience in a business or data analyst role, ideally in financial services, fintech, or NBFCs with a focus on collections, credit risk, or operations. Proven ability to drive strategic insights through deep data analysis and influence decision-making at a leadership level. Advanced proficiency in SQL and Excel; working knowledge of analytics tools such as Python is a plus. Hands-on experience with data visualization and dashboarding tools (e.g., Power BI, Superset). Strong understanding of delinquency trends, recovery strategies, and field vs. tele-collections operations. Experience leading analytical projects, cross-functional collaboration, and presenting insights to senior stakeholders. Highly analytical with attention to detail, problem-solving orientation, and ability to manage multiple priorities in a dynamic environment.

Job description Job Title: Loan Sanction Manager Responsibilities: Review loan applications to ensure completeness and accuracy of information. Analyze financial documents, credit reports, and other relevant information to assess the creditworthiness of applicants. Evaluate the level of risk associated with each loan application. Determine if the applicant meets the organization's lending criteria and policies. Work closely with other departments, such as underwriting and compliance, to gather necessary information and ensure adherence to guidelines. Communicate with loan applicants to request additional information or clarification on their applications. Provide timely updates to applicants on the status of their loan applications. Prepare and maintain accurate and complete documentation related to loan applications. Ensure compliance with regulatory requirements and internal policies. Make recommendations for loan approval or denial based on a thorough analysis of the applicant's financial profile. Present loan proposals to the appropriate decision-makers. Provide excellent customer service by addressing inquiries, resolving issues, and maintaining a positive relationship with clients. Qualifications: Bachelor's degree in finance, business, economics, or a related field. Experience: Previous experience in loan processing, underwriting, or a related field is often preferred. Analytical Skills: Strong analytical and quantitative skills to assess financial information and make informed decisions. Communication Skills: Excellent written and verbal communication skills to interact with customers and internal stakeholders. Job Types: Full-time, Fresher Experience: total work: 1 year (Preferred) Language: English (Preferred), Tamil, Telugu Work Location: In person *Speak with the employer* +91 9899666034 Application Deadline: 10/07/2025 Job Types: Full-time, Permanent, Fresher Pay: ₹15,000.00 - ₹30,000.00 per month Benefits: Cell phone reimbursement Compensation Package: Commission pay Yearly bonus Schedule: Day shift Work Location: In person Speak with the employer +91 9899666034

Role Credit Appraisal · Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities · Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training · Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation Stock on Hire: Increase in volume of business · Ensure that SOH increases(pl confirm if this applies to CM role ) NPA trend · Analyze the NPA trend like area, industry, sector etc. · Interact with Customers & understand the business and regularly monitor delinquencies / infants. Infant loan which is less than 12 months NPA · Ensure qualitative portfolio · Ensure that there is no infant 12 months NPA

Job ID: 32824 Location: Gurgaon, IN Area of interest: Corporate & Commercial Banking Job type: Regular Employee Work style: Office Working Opening date: 25 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

About the Company Revfin is an innovative digital lending platform at the forefront of transforming sustainable mobility and promoting financial inclusion in India. Founded in 2018, Revfin provides accessible and convenient financing for electric vehicles through Aristo Capital, its own RBI-registered NBFC, leveraging advanced technologies such as biometrics, psychometrics, and gamification to assess creditworthiness using alternative data sources. With a robust digital infrastructure and IoT-enabled vehicle monitoring, Revfin empowers drivers to optimize their productivity and earnings. While it began by financing electric three-wheelers (E3Ws), Revfin has since expanded its scope to include a broad range of electric vehicles such as e2Ws, e4Ws, e-trucks, e-buses, batteries, and charging stations, offering comprehensive loan solutions across first-mile, mid-mile, and last-mile mobility use cases. Complementing its lending services, Revfin also offers insurance through its IRDAI-approved broking arm, Revfin Insurance Broking Private Limited, under the brand Revfinsure. Role: Business Analyst – Portfolio Management (Business Performance) Location: Delhi Experience: 4–6 years Department: Business / Portfolio / Strategy Employment Type: Full-time Key Responsibilities: Track portfolio growth, disbursement trends, and product-wise performance across geographies, channels, and customer segments. Monitor key business KPIs such as customer acquisition, loan utilization, repayment behavior, churn, and retention. Analyze lifecycle metrics to evaluate portfolio health (e.g., first EMI default, early attrition, prepayment behavior). Collaborate with business, product, and finance teams to support performance reviews and decision-making. Prepare periodic dashboards and presentations for leadership highlighting trends, variances, and key drivers. Identify business opportunities or bottlenecks using data and recommend course-corrective measures. Ensure data integrity by working with data engineering/MIS teams to validate sources and metrics. Key Requirements: Bachelor’s degree in Business, Economics, Engineering, or related field; MBA or equivalent postgraduate qualification preferred. 4–6 years of experience in business analysis, portfolio tracking, or strategic reporting, preferably in lending, fintech, or financial services. Strong understanding of business KPIs across the lending lifecycle — from acquisition to closure. Advanced skills in SQL and Excel; hands-on experience with BI tools like Power BI or Superset is a must. Experience leading portfolio reviews, strategic initiatives, or performance improvement projects. Proven ability to present data-driven insights to senior stakeholders and drive execution. Collaborative and proactive mindset with strong communication and stakeholder management skills. High attention to detail and a structured, outcome-oriented approach to problem solving. Preferred Qualifications: Strong understanding of business KPIs across the lending lifecycle — from acquisition to closure. Experience in leading portfolio reviews, strategic initiatives, or performance improvement projects.

Elevate Your Impact Through Innovation and Learning Evalueserve is a global leader in delivering innovative and sustainable solutions to a diverse range of clients, including over 30% of Fortune 500 companies. With presence in more than 45 countries across five continents, we excel in leveraging state-of-the-art technology, artificial intelligence, and unparalleled subject matter expertise to elevate our clients' business impact and strategic decision-making. We have 4,500+ talented professionals operating across 45 countries, including India, China, Chile, Romania, the US, and Canada. Our global network also extends to emerging markets such as Colombia, the Middle East, and the rest of Asia-Pacific. Recognized by Great Place to Work® in India, Chile, Romania, the US, and the UK in 2022, we offer a dynamic, growth-oriented, and open culture that prioritizes flexible work-life balance, diverse and inclusive teams, and equal opportunities for all. About Professional Services and Asset & Wealth Management (PS&AWM) Evalueserve is a leading global professional services firm specializing in research support. We partner with top companies around the world to provide them with valuable insights, innovative solutions, and strategic guidance that help our clients navigate the complex landscape and maximize their investment outcomes. Our work spans across industries, including finance, healthcare, technology, and more. As a member of the Professional Services & Asset & Wealth Management team, you will have the opportunity to work on exciting projects that shape the future of businesses. You will become an integral part of a dynamic team that leverages cutting-edge technologies, data-driven insights, and deep industry expertise to drive meaningful impact for our clients. You will collaborate with industry experts, thought leaders, and talented colleagues from diverse backgrounds. What you will be doing at Evalueserve: Responsible for credit analysis using credit metrics (liquidity, coverage, solvency etc.) Creating and maintaining excel based financial models with forecasts and benchmarking companies on financial and operating metrics Responsible for building detailed financial models that includes industry research, capital structure analysis, peers’ comparison, and recovery analysis Incorporate acquisition/merger announcements (merger models) or long-term business plan projections in the existing model of the portfolio companies Reviewing credit agreements and bond indentures for the covenant package and incorporating them in models for covenant testing Publishing quarterly and annual write-ups on portfolio companies that includes investment recommendations based on past trends and financial model projections Explaining the rationale to clients/onshore team behind industry drivers, company KPIs, business strategy, model assumptions, and investment recommendations Extensive company valuation involving approaches such as DCF, DDM, Trading and transaction multiples, etc. Listening to and summarizing earnings conference calls on a quarterly basis Responsible for writing credit reviews, including Credit Ratios Analysis, Covenant Analysis, Capital Structure Analysis Credit Comparables Impact of Macro factors (Economy, Industry) and qualitative factors including Business/Asset Quality, Management etc. on the creditworthiness of a company Identifying credit strengths and weaknesses Writing sector summaries Preparation of financial models using financial statements, debt schedule, and financial forecast Extraction of debt related information, e.g. price, maturity, Yield, Z-spread, CDS etc. from database What we’re looking for: MBA with 3-6 years of related experience Excellent understanding of credit research concepts Experience with financial modeling and writing credit reports is preferable Comfort with databases like Bloomberg, Capital IQ etc. Excellent communication skills; Experience in handling client calls and other client communication Excellent attention to detail with ability to ensure high quality of deliverables Ability to work under pressure and manage strict deadlines Disclaimer: The following job description serves as an informative reference for the tasks you may be required to perform. However, it does not constitute an integral component of your employment agreement and is subject to periodic modifications to align with evolving circumstances.

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

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

Senior Executive EXL/SE/1371533 Emerging Finance & AccountingKochi Posted On 02 Jun 2025 End Date 17 Jul 2025 Required Experience 3 - 5 Years Basic Section Number Of Positions 2 Band A2 Band Name Senior Executive Cost Code 5819701 Campus/Non Campus NON CAMPUS Employment Type Permanent Requisition Type New Max CTC 250000.0000 - 400000.0000 Complexity Level F&A 2 (Complexity Level 2) Bangalore Location Only Work Type Work From Office – Fully Working From EXL/ Client Offices Organisational Group Emerging Sub Group Emerging Business Unit Organization Emerging Finance & Accounting LOB Back Office SBU Operations Country India City Kochi Center IN Kakkanad C45 Skills Skill JD EDWARDS A/R COLLECTIONS US GAAP MS OFFICE POWERPOINT GOOD COMMUINCATION ANALYTICAL AND PROBLEM SOLVING SKILLS DMX CASH POSTING FLEXIBILITY Minimum Qualification B.COM M.COM MBA CA INTER Certification No data available Job Description Brief Job Description: Supports accounts receivable activities through high level collection, deduction, Refund and billing practices Communicates and builds strong partnerships functionally, departmentally and provides excellent service to customer base Investigate and research all claims and deductions for customer accounts. Obtain supporting back up documentation from mills, customers and/or carriers to validate claims. Coordinate with internal business partners the resolution of non-standard complex deduction related issues submitted by both customers and internal stakeholders within set deadlines and authority amounts. Dispute invalid deductions and submit to customers and brokers for repayment. Maintain the track of all open and closed claim deductions for customer accounts. Perform all collection related duties including calls/correspondence, troubleshooting collection issues, processing customer refunds, and resolving client discrepancies and short payments for customer accounts. Maintain collection tracking using a weekly collection report of all open AR in conjunction with various customer watch lists. Address and communicate collection related issues, including dealing with non-standard, complex issues submitted by both customers and internal stakeholders. Convey the highest level of support to the collection effort and overall DSO results. Monitor the aged receivables/credits and work with customers/internal stake holders to close the open issues on a timely manner. Follow up with customer for refund cases and close them on a timely basis Mitigate bad debt by monitoring aging reports and potential write-offs. Perform the Credit/rebill offsets activities by working closely with customers and buyers Perform Check/ACH changes and Bank account confirmations function with highly degree of quality Regularly escalate cases to respective buyers/sales team related to past due payments from customers Work closely with cash application team to ensure accurate and timely receipt of all payments and provide missing remittance advices Evaluate the creditworthiness of potential customers to fix/modify credit limits. Perform Credit Assessment, establish credit policies, Implement/process credit applications and credit reference checks Perform /Maintain up-to-date Portal logins details, Carrier contact list and Customer List/information for smooth Ar functions Monitor and maintain AR Corp Box. Perform Filing all emails for Shared service manager/AR supervisor, Maintain Daily Invoices, Open Invoice Reports, Credit Hold notifications, sent remittances to Corp remits email box for smooth function of cash application process and monitor and file all communications for customer portfolio Support AR Supervisor on all internal/external audit requests. Collate and save all audit selection documentation for selected customer portfolios and perform flow chart reviews/walkthroughs sessions Regularly perform releasing of customer orders and hold orders for past due customers in People soft application Regularly participate in sales call with sales team and note down/track and report the important points Create and maintain credit folders in shared drive to save the credit reports from agencies like Dun & Bradstreet (D&B), Customer Relationship Management (CRM) systems, S&P Global, and Moody’s. Help businesses assess the creditworthiness of their customers, manage credit risk, and make informed decisions about extending credit as needed for credit manager Support in creating/setting up new customers in ERP. Update/maintain related supporting like Credit references, Filing, Documentation collection, Credit Reports & request for resale certificates Support all daily invoicing activities as needed including resolution to sales order errors prior to invoicing and generation of invoices, as needed Enter manually all the invoices/credits for all divisions for customers subscribed Ariba portal. Work with customer services for correcting the errors while entering invoices/credits into the Ariba portal Update approved credit limits and the credit review dates in respective customer records in JDE/ERP as per the request by credit manager Collect the Remittance details, bank fees related to all wire payments and share it with cash application team for timely and accurate application of payments received from customers Generate weekly aging to Sales report from ERP for all divisions and circulate among respective internal stake holders Generate weekly & monthly global aging report from ERP all divisions and circulate among respective internal stake holders Perform the GL reconciliations/ARCS/Hubble Reports with AR Trade, Trade Litigation and deduction accounts Track and report customer transactions like Invoices Issued: Details of invoices sent to customers, Payments Received: Records of payments made by customers, Credit Memos: Issued for returns or corrections, Adjustments: Corrections to customer accounts Post all Intercompany and Sales Coordinator's ERP batches in ERP on a timely manner Track/record/report new misc. cash rec'd at corporate account, reach out respective stake holders for remittances and GL information, tracking misc. cash received in lockbox and Provide backup/supporting to Accounting as and when requested Involve /Participate in calls/testing/implementation as part of Sofidel transition project Involve/participate in all JDE UAT Testing programs related to Tools Updates and implementation of new projects Address, communicate and provide analysis, reporting and support of balances to AR manager. Share ownership of results and maintain a high degree of integrity and honesty. Other duties as assigned. Coordinate the communication of invoices to customers (email, fax, mail). Process and issue manual credits and debits as needed through internal CRDR (credit resolve debit resolution) process. Prepare and maintain internal ad-hoc reporting for AR department as requested. Contribute to the preparation of monthly AR reporting as needed. Support audit requirements on a quarterly basis as needed. Actively participate in company sponsored projects to drive results and improve efficiencies. Update and maintain AR process job aids and SOPs to ensure the most up to date and relevant processes and procedures are documented/ Ability to document the process Responsible for training new hires/team members in the process Responsible for email box handling (Helpdesk) Should be able to handle all AR related calls from customers and internal stake holders independently Competencies Required: High degree of business curiosity; quick learner with a proactive and agile mindset Exceptional opportunity identification and resolution mindset Optimistically looks toward future for opportunities to innovate and improve Exceptional communication skills (written and verbal); leading and presenting complex materials for various audiences Demonstrated strong time management skills Confidence in dealing with ambiguity; bringing different perspectives to light Ability to gather, analyze and interpret large quantities of data, and set action plans based on the analysis Technical Skill Requirements: Minimum Three to five years claims, collections and accounts receivable experience required. Qualification - Should be a B. Com/M. Com/MBA Finance/CA Inter Strong computer skills fluent in all Microsoft Suite products including Microsoft Excel, Word and Power Point applications. Experience with accounting (ERP) programs/Applications (JDE/Papersoft /Deduction modules). Understanding of Generally Accepted Accounting Principles (US GAAP) Excellent written and oral communication skills. Demonstrated organizational skills. Solid analytical, problem solving, and critical thinking capabilities. Strong customer service and interpersonal skills. High level of detail and efficiency. Solid analytical, problem solving, and critical thinking capabilities. Ability to function in a team environment. Strong accounting knowledge with O2C experience Knowledge of JDE, Papersoft, DMX systems and deduction modules is desired Workflow Workflow Type Back Office

Rockwell Automation is a global technology leader focused on helping the world’s manufacturers be more productive, sustainable, and agile. With more than 28,000 employees who make the world better every day, we know we have something special. Behind our customers - amazing companies that help feed the world, provide life-saving medicine on a global scale, and focus on clean water and green mobility - our people are energized problem solvers that take pride in how the work we do changes the world for the better. We welcome all makers, forward thinkers, and problem solvers who are looking for a place to do their best work. And if that’s you we would love to have you join us! Job Description Summary: As a Credit & Collection Team Lead you will oversee the credit and collections operations within the organization for EMEA region. You will ensure collection of outstanding accounts receivable, manages credit risk, and leads a team of credit and collection specialists. The Team Lead is a liaison between the finance department, sales, and customers to resolve billing issues and improve cash flow. You will report to the Manager Credit and Collections, India & SEA and will have a hybrid schedule, working at the Rockwell Automation India office in Noida thrice a week. Your Responsibilities: Manage a team of credit and collection analysts of EMEA region. Monitor accounts receivable ageing reports and ensure follow-up on overdue accounts. Develop and implement collection strategies. Conduct regular team meetings and performance reviews. Evaluate customer creditworthiness and set credit limits following company policy. Develop and implement collection strategies to minimise bad debt. Ensure that the Bad Debt Provision remains within the limits defined in the Annual Operating Plan (AOP), with no adverse variances Resolve escalated customer disputes and billing issues. Collaborate with internal departments (e.g., Sales, Customer Service) to improve processes. Prepare regular reports on collection performance, DSO (Days Sales Outstanding), and credit risk. Prepare accounts receivable (AR) related ad hoc reports and share these reports with management to provide insights into AR status. Ensure compliance with company policies and regulations. Participate in audits and support internal controls related to credit and collections. Maintain overlimit customer accounts within the thresholds established in the AOP to mitigate credit risk exposure. The Essentials - You Will Have: Bachelor's degree in finance, Accounting, or a related field. 10 years of experience in credit and collections, with at least 2-3 years in a supervisory or team lead role. Experience with credit risk assessment and collection techniques. Proficiency in ERP systems (e.g., SAP, Sales Force, IFS) and Microsoft Excel. Demonstrate skills in analyzing information and resolving challenges. Manage diverse tasks and priorities, ensuring completion of all commitments. Experience in B2B or B2C collections (depending on the industry). Knowledge of bank guarantees to manage and mitigate financial risks. Knowledge of handling letter of credit transactions to ensure secure on time payments. The Preferred - You Might Also Have: Experience in a handling customers of middle east and Africa region in a multinational environment. Familiarity with automation tools or AI-driven collection platforms. Knowledge of international credit and collection practices (if applicable). Knowledge of High-Radius Cloud tool will be an added advantage. What We Offer: Our benefits package includes … Comprehensive mindfulness programs with a premium membership to Calm Volunteer Paid Time off available after 6 months of employment for eligible employees. Company volunteer and donation matching program – Your volunteer hours or personal cash donations to an eligible charity can be matched with a charitable donation. Employee Assistance Program. Personalized wellbeing programs through our OnTrack program On-demand digital course library for professional development ... and other local benefits! At Rockwell Automation we are dedicated to building a diverse, inclusive and authentic workplace, so if you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right person for this or other roles. #LI-Hybrid or #LI-DB2 Rockwell Automation’s hybrid policy aligns that employees are expected to work at a Rockwell location at least Mondays, Tuesdays, and Thursdays unless they have a business obligation out of the office.

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. Job Type: Full-time Benefits: Cell phone reimbursement Commuter assistance Health insurance Life insurance Provident Fund Work from home Schedule: Night shift US shift Work Location: In person

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.

Date live: 06/23/2025 Business Area: Risk Area of Expertise: Risk and Quantitative Analytics Contract: Permanent Reference Code: JR-0000050083 In Risk Barclays develops, recommends, and implements controls and cost-effective approaches to minimise Barclay's risks, identifies and analyses potential sources of loss to minimise risk and estimate the potential financial consequences of an occurring loss. See your commute Embark on a transformative journey as a Credit Manager 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. The Wholesale Credit Risk (WCR) Noida is tasked with carrying out credit analysis, sanctioning credit limits and ultimately approving / recommending credit risk for corporate counterparties of Barclays. This person will be a part or member of the ‘Risk - Centre of excellence’, International Corporate Banking (ICB) - Credit risk team, with effective credit risk management (evaluation of risk/exposure management) of credits within UK/US/Europe Sector. They will support senior credit officers on ICB credit transactions from a Risk perspective, including assessing and making recommendations to sanction transactions in accordance with Bank policy. Help to ensure continued growth of the business without incurring unmanageable risks. They must stay current with financial analysis and risk profile of the assigned sectors, borrowers and counterparties and alert senior management of negative developments and trends for clients and segments within the assigned sectors. Also, support senior credit officers in evaluating new transactions and monitoring of existing portfolio of credits To be successful in this role, you should possess the following skillsets: Strong understanding of corporate finance and banking products, including knowledge of Loan, High Yield and derivatives documentation and credit terms. Possess good analytical skills with attention to detail, ability to provide big picture decision making. Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate complex concepts and ideas. Masters / Professional qualification such as MBA/ CA/ CFA or equivalent. Some other highly valued skills include: Decision making and problem solving in a complex environment. Good commercial experience working within Credit, preferably in an international banking environment. 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. Analyst Expectations To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. Requires in-depth technical knowledge and experience in their assigned area of expertise Thorough understanding of the underlying principles and concepts within the area of expertise They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. 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 develop technical expertise in work area, acting as an advisor where appropriate. Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for end results of a team’s operational processing and activities. Escalate breaches of policies / procedure appropriately. Take responsibility for embedding new policies/ procedures adopted due to risk mitigation. Advise and influence decision making within own area of expertise. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Make evaluative judgements based on the analysis of factual information, paying attention to detail. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex / sensitive information. Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation. 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. (Opens in new tab or window) (Opens in new tab or window) (Opens in new tab or window) Reasonable adjustment Our purpose Equal opportunities Right to work statement Learn more about Barclays locations Across our campuses, we offer modern workspaces, collaborative areas, and state-of-the-art meeting rooms. Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations. Designed for innovation and comfort, they support a dynamic and productive work environment. Health and wellness A place where you can belong Collaborative Areas More than work Be you. Be valued. Belong. We celebrate the unique perspectives and experiences each individual brings, believing our differences make us stronger and drive success. You can learn more about our commitment to our colleague on our Inclusion and Opportunities page. Learn more Application Process Your application We’ll ask for information about you, your CV and cover letter. 1 Your assessment Covering your behaviours and ability at work. 2 Your interview Exploring your past experiences and skills. 3 Next step We’ll request additional information so that you can complete our screening process 4 Working flexibly We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports your personal needs, alongside the professional needs of our business. If you'd like to explore flexible working arrangements, please discuss this with the hiring manager. Your request will be reviewed in-line with the requirements of the role/business needs of the team. Hybrid working We have a structured approach to hybrid working, where colleagues work at an onsite location on fixed, ‘anchor’, days, as set by the business area. Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business. Barclays is built on an international scale. Our geographic reach, our wide variety of functions, businesses, roles and locations reflect the rich diversity of our worldwide customer base. All of which means we offer incredible variety, depth and breadth of experience. And the chance to learn from a globally diverse mix of colleagues, including some of the very best minds in banking, finance, technology and business. Throughout, we’ll encourage you to embrace mobility, exploring every part of our operations as you build your career.

Company Description CashnTech is a Working Capital financial technology solution provider. We are a cloud-based, multi-funder fintech platform that facilitates working capital solutions for both accounts payable and accounts receivable. Our solutions enable businesses to manage their finances more efficiently and effectively by offering seamless integration and advanced technology. Role Description This is a full-time, on-site role for a Product & Credit Relationship Manager at CashnTech, located in Pune. The Product & Credit Relationship Manager will be responsible for overseeing and managing product relationships, client interactions, and credit evaluations. Daily tasks include developing and maintaining client relationships, assessing creditworthiness, facilitating product development, and ensuring compliance with financial regulations. The role requires close collaboration with various teams to enhance the company's financial products and services effectively. Qualifications Product Development, Product Management, and Financial Product knowledge Relationship Management, Client Interaction, and Customer Service skills Credit Evaluation, Financial Analysis, and Risk Assessment skills Understanding of Financial Regulations and Compliance Excellent Communication and Interpersonal skills Ability to work independently and as part of a team Experience in fintech or finance industry is a plus Bachelor’s degree in Finance, Business Administration, or a related field

About the job Job Title: FIG Underwriter (Financial Institutions Group) Experience: 2–4 Years Location: Bangalore Department: Corporate & Investment Banking / Credit Underwriting Role Overview: We are seeking a dynamic and detail-oriented FIG Underwriter to support credit underwriting and risk assessment for clients in the Financial Institutions Group (FIG) , including banks, insurance companies, NBFCs, asset managers, and fintechs. The ideal candidate will possess a strong foundation in financial analysis, credit risk, and sector-specific dynamics within FIG. Key Responsibilities: Prepare and analyze credit memos , including financial spreads, peer benchmarking, and risk assessments. Evaluate the creditworthiness of FIG clients through in-depth analysis of financial statements , regulatory filings , and industry trends . Conduct due diligence and support relationship managers in structuring new transactions or renewals. Monitor portfolio performance and perform periodic credit reviews , covenant monitoring , and risk rating adjustments . Collaborate with stakeholders across risk, compliance, legal , and front office teams to ensure credit decisions align with internal policies. Stay updated on regulatory changes , macroeconomic factors, and sector-specific developments affecting FIG clients. Support ad-hoc credit projects, reporting, and audits as required. Required Qualifications: 2–4 years of experience in credit underwriting , credit risk , or financial analysis , preferably within FIG or corporate banking . Strong understanding of banking , insurance , NBFC , or financial services industry dynamics. Solid knowledge of credit risk principles , financial statement analysis , and regulatory frameworks (e.g., Basel norms, RBI guidelines). Proficiency in MS Excel, PowerPoint, and credit systems; experience with Bloomberg, Capital IQ, or other financial databases is a plus. Excellent communication skills, both written and verbal, with an ability to present findings to senior stakeholders. Preferred Qualifications: MBA (Finance) / CA / CFA Level 2+ preferred. Exposure to international credit frameworks or multi-country portfolios is a plus. Experience working with global banks or large NBFCs is advantageous.

Join us as an "Analyst" 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. Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for. If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application. Sponsored visas are role and entity specific, and any changes should be reviewed. It is important to ensure you are working on the correct visa at all times. Failure to accurately disclose your visa status or Legal Right to Work may result in your application or employment offer being withdrawn at anytime. Member of the ‘Risk - Centre of excellence’, with effective credit risk management (evaluation of risk/exposure management) of credits within Corporate Sectors across UK / US / Europe / APAC.. Support senior credit officers on Leveraged Finance / High Yield credit transactions from a Risk perspective, including assessing and making recommendations to sanction transactions in accordance with Bank policy. Help to ensure continued growth of the business without incurring unmanageable risks. Stay current with financial analysis and risk profile of the assigned sectors, borrowers, and counterparties. Alert senior management of negative developments and trends for clients and segments within the assigned sectors. Support senior credit officers in evaluating new transactions and monitoring of existing portfolio of credits. To be successful as an "Analyst" you should have experience with: Strong understanding of corporate finance and banking products, including knowledge of Loan, High Yield and derivatives documentation and credit terms Possess good analytical skills with attention to detail, ability to provide big picture decision making Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate complex concepts and ideas. Masters / Professional qualification such as MBA/ CA/ CFA or equivalent. Some Other Highly Valued Skills May Include Decision making and problem solving in a complex environment Good commercial experience working within Credit, preferably in an international banking environment. 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 Mumbai 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. Analyst Expectations Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for end results of a team’s operational processing and activities. Escalate breaches of policies / procedure appropriately. Take responsibility for embedding new policies/ procedures adopted due to risk mitigation. Advise and influence decision making within own area of expertise. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Make evaluative judgements based on the analysis of factual information, paying attention to detail. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex / sensitive information. Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation. 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 a Credit Manager 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. The Wholesale Credit Risk (WCR) Noida is tasked with carrying out credit analysis, sanctioning credit limits and ultimately approving / recommending credit risk for corporate counterparties of Barclays. This person will be a part or member of the ‘Risk - Centre of excellence’, International Corporate Banking (ICB) - Credit risk team, with effective credit risk management (evaluation of risk/exposure management) of credits within UK/US/Europe Sector. They will support senior credit officers on ICB credit transactions from a Risk perspective, including assessing and making recommendations to sanction transactions in accordance with Bank policy. Help to ensure continued growth of the business without incurring unmanageable risks. They must stay current with financial analysis and risk profile of the assigned sectors, borrowers and counterparties and alert senior management of negative developments and trends for clients and segments within the assigned sectors. Also, support senior credit officers in evaluating new transactions and monitoring of existing portfolio of credits To be successful in this role, you should possess the following skillsets: Strong understanding of corporate finance and banking products, including knowledge of Loan, High Yield and derivatives documentation and credit terms. Possess good analytical skills with attention to detail, ability to provide big picture decision making. Possess good interpersonal, verbal and written communication skills, and have the ability to clearly articulate complex concepts and ideas. Masters / Professional qualification such as MBA/ CA/ CFA or equivalent. Some Other Highly Valued Skills Include Decision making and problem solving in a complex environment. Good commercial experience working within Credit, preferably in an international banking environment. 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. Analyst Expectations To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. Requires in-depth technical knowledge and experience in their assigned area of expertise Thorough understanding of the underlying principles and concepts within the area of expertise They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. 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 develop technical expertise in work area, acting as an advisor where appropriate. Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for end results of a team’s operational processing and activities. Escalate breaches of policies / procedure appropriately. Take responsibility for embedding new policies/ procedures adopted due to risk mitigation. Advise and influence decision making within own area of expertise. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Make evaluative judgements based on the analysis of factual information, paying attention to detail. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex / sensitive information. Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation. 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.

Rockwell Automation is a global technology leader focused on helping the world’s manufacturers be more productive, sustainable, and agile. With more than 28,000 employees who make the world better every day, we know we have something special. Behind our customers - amazing companies that help feed the world, provide life-saving medicine on a global scale, and focus on clean water and green mobility - our people are energized problem solvers that take pride in how the work we do changes the world for the better. We welcome all makers, forward thinkers, and problem solvers who are looking for a place to do their best work. And if that’s you we would love to have you join us! Summary Job Description As a Credit & Collection Team Lead you will oversee the credit and collections operations within the organization for EMEA region. You will ensure collection of outstanding accounts receivable, manages credit risk, and leads a team of credit and collection specialists. The Team Lead is a liaison between the finance department, sales, and customers to resolve billing issues and improve cash flow. You will report to the Manager Credit and Collections, India & SEA and will have a hybrid schedule, working at the Rockwell Automation India office in Noida thrice a week. Your Responsibilities Manage a team of credit and collection analysts of EMEA region. Monitor accounts receivable ageing reports and ensure follow-up on overdue accounts. Develop and implement collection strategies. Conduct regular team meetings and performance reviews. Evaluate customer creditworthiness and set credit limits following company policy. Develop and implement collection strategies to minimise bad debt. Ensure that the Bad Debt Provision remains within the limits defined in the Annual Operating Plan (AOP), with no adverse variances Resolve escalated customer disputes and billing issues. Collaborate with internal departments (e.g., Sales, Customer Service) to improve processes. Prepare regular reports on collection performance, DSO (Days Sales Outstanding), and credit risk. Prepare accounts receivable (AR) related ad hoc reports and share these reports with management to provide insights into AR status. Ensure compliance with company policies and regulations. Participate in audits and support internal controls related to credit and collections. Maintain overlimit customer accounts within the thresholds established in the AOP to mitigate credit risk exposure. The Essentials - You Will Have Bachelor's degree in finance, Accounting, or a related field. 10 years of experience in credit and collections, with at least 2-3 years in a supervisory or team lead role. Experience with credit risk assessment and collection techniques. Proficiency in ERP systems (e.g., SAP, Sales Force, IFS) and Microsoft Excel. Demonstrate skills in analyzing information and resolving challenges. Manage diverse tasks and priorities, ensuring completion of all commitments. Experience in B2B or B2C collections (depending on the industry). Knowledge of bank guarantees to manage and mitigate financial risks. Knowledge of handling letter of credit transactions to ensure secure on time payments. The Preferred - You Might Also Have Experience in a handling customers of middle east and Africa region in a multinational environment. Familiarity with automation tools or AI-driven collection platforms. Knowledge of international credit and collection practices (if applicable). Knowledge of High-Radius Cloud tool will be an added advantage. What We Offer Our benefits package includes … Comprehensive mindfulness programs with a premium membership to Calm Volunteer Paid Time off available after 6 months of employment for eligible employees. Company volunteer and donation matching program – Your volunteer hours or personal cash donations to an eligible charity can be matched with a charitable donation. Employee Assistance Program. Personalized wellbeing programs through our OnTrack program On-demand digital course library for professional development and other local benefits! At Rockwell Automation we are dedicated to building a diverse, inclusive and authentic workplace, so if you're excited about this role but your experience doesn't align perfectly with every qualification in the job description, we encourage you to apply anyway. You may be just the right person for this or other roles. or Rockwell Automation’s hybrid policy aligns that employees are expected to work at a Rockwell location at least Mondays, Tuesdays, and Thursdays unless they have a business obligation out of the office.

Job Description CONTROLLERS Controllers ensure that the firm meets all the financial control and reporting obligations of a global, regulated, and public financial institution. Our professionals measure the profitability of, and risks associated with, every aspect of the firm's business. Controllers also ensure that the firm's activities are conducted in compliance with the regulations governing transactions in the financial markets. OUR IMPACT We're a team of specialists charged with managing the firm’s liquidity, capital, and risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The business is ideal for collaborative individuals who have strong ethics and attention to detail. BUSINESS UNIT The Controllers group is responsible for safeguarding the firm's assets: to help maintain the integrity of Goldman Sachs' finances and expenditures. Through careful consideration and analyses of firm finances, objectives and strategies, we ensure that the firm's businesses continue to be profitable and efficiently run. Controllers also ensure that all business practices are in compliance with financial and regulatory requirements worldwide. Since contact with virtually every part of the firm is essential to Controllers, professionals in the department experience Goldman Sachs businesses, products, and sophisticated technology systems in depth. Direct Hedge Funds, Hedge Funds Strategies, Private Equity Group teams within Controllers support the alternative investments within Goldman Sachs Asset Management division with oversight over complex private funds. Job Summary And Responsbilities Safeguard the assets and reputation of the firm by controlling and supporting the investment management division, as well as ensuring that they are in compliance with the firm’s policies and with the rules/regulations that govern global financial markets. Managing the expense payment and allocation process for private equity funds and hedge funds, monitoring and liaising with third party vendors providing the expense processing service and performing review functions Handle reporting requirements to Senior Management and to IMD. Work closely with other divisions, including Business Teams, Product Services, Operations, IT and Trading Divisions Work closely with fund administrators and auditors Skills And Relevant Experience Qualified CA / Post Graduate / MBA with experience in the alternative investment/private funds and hedge funds market and process management desired Work Experience: 3 to 7 years Basic knowledge of financial statements preparation & review; USGAAP, IFRS knowledge and experience in coordinating with Big 4 accounting firms during audit cycle is an advantage Basic industry knowledge and strong accounting knowledge is desirable Strong analytical skills and detail oriented Able to grasp new concepts quickly and work in a team environment Able to handle multiple tasks and prioritize Excellent interpersonal, client relationship and communication (written and verbal) skills Self-starter, inquisitive, enthusiastic with a strong analytical mind-set MS Office knowledge (Word, Excel) required About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html Please note that our firm has adopted a COVID-19 vaccination requirement for employees who work onsite at any of our U.S. locations to safeguard the health and well-being of all our employees and others who enter our U.S. offices. This role requires the employee to be able to work on-site. As a condition of employment, employees working on-site at any of our U.S. locations are required to be fully vaccinated for COVID-19, and to have either had COVID-19 or received a booster dose if eligible under Centers for Disease Prevention and Control (CDC) guidance, unless prohibited by applicable federal, state, or local law. ApPlicants who wish to request for a medical or religious accommodation, or any other accommodation required under applicable law, can do so later in the process. Please note that accommodations are not guaranteed and are decided on a case by case basis. © The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity