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to accurately disclose your visa status or Legal Right to Work may result in your application or employment offer being withdrawn at anytime. Securitization Credit Analyst, responsible for analysis and monitoring of securitization transactions, including exposures to both pre- and post-securitization collateral pools. Responsible for effective credit risk management of the assigned portfolio of Securitized Product exposures and ensuring compliance with Bank’s credit risk policies & procedures and internal controls framework. Act as Securitization Credit Analyst for exposures across various asset classes across US & EMEA regions. Prepare and analyze credit proposal for new and existing transactions. Provide credit review and provide commercially mindful challenge to business proposals. Providing support on portfolio analysis and risk management of assigned portfolio including excess/ exception management. Prepare and present sector/ asset-class reviews. Monitor trends within the assigned sectors. Escalate material adverse developments in timely manner. Day to day management and monitoring of risk limits, reporting of any positions outside approve parameters. Maintaining accurate and up to date information in the Banks’ Risk systems. Prepare periodic portfolio deck for manage on assigned portfolio. To be successful as an "Analyst" you should have experience with Strong analytical skills Strong verbal & written communications skills. Good stakeholder management skills. Some Other Highly Valued Skills May Include Experience in credit analysis. Understanding of securitized products preferred. Familiarity with Investment Banking products 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. Back to nav Share job X(Opens in new tab or window) Facebook(Opens in new tab or window) LinkedIn(Opens in new tab or window) Show more Show less

Job Description Global Banking & Markets Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor. Structured Finance & Lending Group The SFL group in GBM deploys the firm’s balance sheet across a full suite of structured financing and risk management solutions across the private markets’ ecosystems. The Private Equity Capital Call (PECC) team provides innovative fund-level financing in the form of capital call / subscription facilities collateralized by the uncalled capital of a fund’s limited partners. The business forms an integral part of Goldman Sachs’ private equity advisory, lending, and servicing ecosystem. Responsibilities And Qualifications We are looking for an analyst/associate to join our SFL PECC team, focused on underwriting investor credit risk in the context of capital call facilities. This position requires a deep understanding of the role of limited partners in capital call facilities and understanding of credit risk associated with investor types including public and private pensions, sovereign wealth funds, endowments, foundations, insurance companies, fund of funds and high-net worth investors. The successful candidate will be responsible for monitoring and evaluating the credit quality of the investors whose commitments are the collateral for our capital call facilities, building and managing a database of investor information, and providing insights on the financial health and risks associated with investors within our loan portfolio. Responsibilities Perform detailed credit assessments and continuous monitoring of the credit quality of existing and potential limited partners. Build, maintain, and update a comprehensive database of investor information, ensuring accuracy, and reliability of data related to credit assessments and financial performance. Analyze financial statements, credit reports, market trends, and economic indicators to assess creditworthiness and predict potential risks. Develop and maintain advanced credit rating models and analytical tools for effective risk assessment and trend prediction. Collaborate closely with structuring, compliance, and risk management teams to ensure alignment with internal policies, external regulatory requirements, and best practices in credit analysis. Provide strategic insights and recommendations to senior management on credit risk, based on data-driven analysis, market conditions, and investment strategy implications. Stay informed on regulatory changes, economic developments, and industry trends that could impact the credit quality of investors or the broader investment landscape. Requirements Strong academic background – in finance, business, math, or accounting degree with a minimum 3.5 GPA equivalent / CFA preferred 2- 6 years of relevant experience in credit analysis, risk management, or a similar role within the financial services industry, with preference for specific exposure to credit quality monitoring of certain investor types Demonstrated ability to manage and analyze large datasets, with proficiency in database software and financial analysis tools. Strong analytical, quantitative, and problem-solving skills, with a keen eye for detail and accuracy Excellent communication skills, capable of presenting complex information in a clear and persuasive manner to stakeholders at all levels Deep understanding of the structure and dynamics of capital call facilities, the role of limited partners, and the operational aspects of private equity and private credit funds Ability to work independently and as part of a team in a dynamic, fast-paced environment Ability to work under tight time constraints and extended hours as 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 © The Goldman Sachs Group, Inc., 2024. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity Show more Show less

Job Description The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. The Goldman Sachs Group, Inc. is a leading global investment banking, securities and investment management firm that provides a wide range of financial services to a substantial and diversified client base that includes corporations, financial institutions, governments, and individuals. Founded in 1869, the firm is headquartered in New York and maintains offices in all major financial centers around the world. We commit people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Our people are our greatest asset – we say it often and with good reason. It is only with the determination and dedication of our people that we can serve our clients, generate long-term value for our shareholders and contribute to the broader public. We take pride in supporting each colleague both professionally and personally. From collaborative workspaces and ergonomic services to wellbeing and resilience offerings, we offer our people the flexibility and support they need to reach their goals in and outside the office. RISK BUSINESS The Risk Business identifies, monitors, evaluates, and manages the firm’s financial and non-financial risks in support of the firm’s Risk Appetite Statement and the firm’s strategic plan. Operating in a fast paced and dynamic environment and utilizing the best in class risk tools and frameworks, Risk teams are analytically curious, have an aptitude to challenge, and an unwavering commitment to excellence. BUSINESS UNIT : The Model Risk Management (MRM) group is a multidisciplinary group of quantitative experts at Goldman Sachs with presence in New York, Dallas, London, Warsaw, Hong Kong, and Bangalore. The MRM group is responsible for independent oversight of Model Risk at the firm, ensuring compliance with Firmwide Policy on Model Control and related standards, including documentation to evidence effective challenge over the Model development, implementation and usage of Models. The group’s primary mandate is to manage risk that arises from models used in the firm through its range of businesses– from models used for derivatives valuation to models used for risk management, liquidity and capital computations. In addition to independently reviewing these classes of models for their validity, theoretical consistency and implementation accuracy, the group is also responsible to assess the risk associated with model choice, e.g., exposure to choice of model in various contexts such as pricing exotic options or in calculating capital. The analysis and reporting team is a new function within the MRM group that is responsible for analyzing, monitoring and reporting on model risk for the firm. The group works collaboratively with the model validation team to understand and communicate results of model validation activities, changes in model risk and other model-related issues to key stakeholders and management. What We Look For This business is ideal for collaborative individuals who have strong ethics and attention to detail. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The MRM group looks for people with strong quantitative and technical backgrounds and a strong interest in financial markets. We seek bright and dynamic individuals with a degree in quantitative fields such as math, physics, engineering, computer science, or financial engineering. Responsibilities Perform validation and approval of the firm’s models by verifying conceptual soundness, methodology, and implementation, and by identifying limitations and uncertainties Assess and quantify model risk by developing alternative benchmark models Oversee monitoring of ongoing model performance Communicate validation outcomes to key stakeholders and management Skills And Relevant Experience Excellent quantitative problem solving skills Experience in stochastic modeling, numerical simulation, and data analysis Machine learning knowledge Good communication skills with the ability to explain complex problems in a simple way Eagerness and ability to learn new technologies and programming languages Excellent organizational skills Team orientation and ability to work in a fast paced environment About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity Show more Show less

About The Role Grade Level (for internal use): 11 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in computer science, Information Systems, Engineering, equivalent or more is required Proficient with software development lifecycle (SDLC) methodologies like Agile, Test-driven development 10+ years of experience with 4+ years designing/developing enterprise products, modern tech stacks and data platforms 4+ years of hands-on experience contributing to application architecture & designs, proven software/enterprise integration design patterns and full-stack knowledge including modern distributed front end and back-end technology stacks 5+ years full stack development experience in modern web development technologies, Java/J2EE, UI frameworks like Angular, React, SQL, Oracle, NoSQL Databases like MongoDB Experience designing transactional/data warehouse/data lake and data integrations with Big data eco system leveraging AWS cloud technologies Thorough understanding of distributed computing Passionate, smart, and articulate developer Quality first mindset with a strong background and experience with developing products for a global audience at scale Excellent analytical thinking, interpersonal, oral and written communication skills with strong ability to influence both IT and business partners Superior knowledge of system architecture, object-oriented design, and design patterns. Good work ethic, self-starter, and results-oriented Excellent communication skills are essential, with strong verbal and writing proficiencies Exp. with Delta Lake systems like Databricks using AWS cloud technologies and PySpark is a plus Additional Preferred Qualifications Experience working AWS Experience with SAFe Agile Framework Bachelor's/PG degree in Computer Science, Information Systems or equivalent. Hands-on experience contributing to application architecture & designs, proven software/enterprise integration design principles Ability to prioritize and manage work to critical project timelines in a fast-paced environment Excellent Analytical and communication skills are essential, with strong verbal and writing proficiencies Ability to train and mentor About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312490 Posted On: 2025-05-12 Location: Mumbai, Maharashtra, India Show more Show less

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

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills. • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus. Show more Show less

Company Description Welcome to Finaisa Capital, a trusted Non-Banking Financial Company (NBFC) established on July 28, 1995. With the backing of the Reserve Bank of India (RBI), we are committed to delivering innovative financial solutions tailored to meet the diverse needs of our customers. Role Description This is a full-time, on-site Credit Officer role located in Jaipur at Finasia Capital. The Credit Officer will be responsible for credit management, analyzing financial data, communicating with clients, and assessing creditworthiness. Qualifications Credit Management and Credit Analysis skills Analytical Skills and Finance knowledge Strong Communication skills Experience in credit evaluation and risk assessment Attention to detail and problem-solving abilities Bachelor's degree in Finance, Economics, or related field Certifications in credit management or financial analysis are a plus Show more Show less

Job Designation - Chief Risk and Audit Control Job Role- Credit Risk Management & Audit Conduct regular audits of the company's credit risk management framework to ensure compliance with internal policies, industry standards, and regulatory requirements. Review credit risk models, approval processes, and credit assessment tools to ensure they are appropriate, effective, and up-to-date. Assess credit underwriting standards, credit scoring models, and decision-making algorithms for accuracy and reliability in predicting creditworthiness. Identify areas of credit risk exposure, including fraud, defaults, and bad debt, and recommend corrective actions to mitigate these risks. Policy Compliance And Effectiveness Audit and assess the company credit risk policies and procedures to ensure they are consistent with business goals, risk appetite, and regulatory requirements. Review and validate credit policies related to personal loans, credit cards, digital lending, and other fintech products to ensure adherence to legal and ethical standards. Work with legal and compliance teams to identify any regulatory changes and ensure that credit risk policies and procedures are updated accordingly. Credit Portfolio Monitoring Perform regular audits on the credit portfolio to assess risk, performance, and quality of loans or credit products. Evaluate the loan origination process, monitoring for any potential systemic risks or weaknesses in the portfolio. Analyze portfolio metrics such as delinquency rates, non-performing loans (NPLs), default rates, and recovery performance. Work with credit operations teams to ensure proper documentation and compliance with established policies for credit transactions. Risk Control And Mitigation Identify opportunities to enhance or improve risk controls in credit operations, including new systems, processes, or tools. Collaborate with the credit risk team to develop strategies for risk mitigation, including the setting of credit limits, loan-to-value ratios, and risk-based pricing. Recommend best practices for credit policy governance and ensure that credit risk is managed consistently across all products and services. Audit Reporting And Documentation Prepare detailed audit reports outlining findings, risks, and recommended actions to senior management and relevant stakeholders. Provide actionable insights to improve credit risk policies, processes, and controls, ensuring alignment with company objectives and regulatory frameworks. Track the implementation of audit recommendations and ensure that corrective measures are adopted in a timely manner. Ensure proper documentation of audit activities and findings, maintaining compliance with internal and external audit standards. Stakeholder Collaboration and Advisory; Act as a subject matter expert for credit risk management policies and audits, advising key stakeholders on potential risks and best practices. Collaborate with risk, compliance, and credit operations teams to address issues related to risk exposure, fraud, and credit management. Support the development of training and awareness programs to ensure staff understand and adhere to credit risk policies and procedures. Continuous Improvement and Process Optimization; Regularly assess and update audit methodologies to reflect changes in the fintech industry, emerging risks, and new regulatory requirements. Leverage technology, including data analytics and automation tools, to improve the effectiveness and efficiency of the credit risk management audit process. Identify trends or emerging risks in credit risk and make proactive recommendations to mitigate potential issues before they impact the business. Qualifications And Skills Education: Bachelor's degree in Finance, Business, Economics, or a related field (Master's or professional certifications such as FRM, CFA, or CPA are preferred). 6-10 years of experience in credit risk management, policy audit, or internal audit roles, preferably in the fintech, banking, or financial services sector. Experience with credit risk models, underwriting processes, and credit portfolio management. Strong understanding of regulatory frameworks related to lending, credit risk, and fintech operations. Familiarity with industry-specific risk tools, credit scoring systems, and fintech products. In-depth knowledge of credit risk management principles, policies, and processes. Strong analytical skills with the ability to identify and assess complex risks in credit portfolios. Skills: credit scoring systems,risk management,credit risk,mitigation strategies,stakeholder collaboration,credit,operations,data analytics,credit portfolio monitoring,risk control,policy compliance,documentation,audit,regulatory frameworks,credit risk management,loans Show more Show less

This role is for one of the Weekday's clients Min Experience: 3 years Location: Vadodara JobType: full-time We are seeking a dynamic and result-oriented Branch Credit Manager with 3-6 years of experience in evaluating and managing credit for Home Loans , Mortgage Loans , and Loan Against Property (LAP) . This role involves working closely with the sales and risk teams to ensure timely and sound credit decisions, contributing directly to the growth and profitability of the branch. Requirements Key Responsibilities: Assess creditworthiness of prospective customers applying for Home Loans, Mortgage Loans, and Loans Against Property. Conduct in-depth analysis of customer profiles including financial documents, income statements, property documents, and credit reports. Sanction loans within delegated authority limits and recommend proposals to higher authority for approval. Ensure strict adherence to internal credit policies and regulatory guidelines. Interact with customers, sales team, legal, and technical vendors to ensure completeness and authenticity of loan applications. Identify potential risks and suggest appropriate mitigants to safeguard company interests. Collaborate with legal and technical teams to validate property documents, valuations, and title clearance. Maintain high-quality credit portfolio by taking proactive actions on irregular accounts. Monitor disbursement process and post-disbursement documentation to ensure compliance. Support the collections team for early warning signs on default risks. Prepare credit appraisal memos with clear justifications for decisions, ensuring transparency and accountability. Regularly update credit MIS reports and dashboards for review with senior management. Key Skills & Competencies: Strong understanding of Home Loan, Mortgage Loan, and LAP products. Proficient in financial analysis, risk assessment, and credit evaluation techniques. Sound knowledge of lending norms, credit policies, and RBI regulations. Hands-on experience in handling property-related legal and technical due diligence. High attention to detail with a strong sense of accountability and integrity. Proficient in using credit appraisal tools, MS Excel, and loan management systems. Strong interpersonal and communication skills to engage effectively with customers and internal stakeholders. Ability to work under pressure and manage multiple cases simultaneously within tight timelines. Qualifications: Graduate/Postgraduate in Finance, Commerce, or related field. MBA (Finance) or CA Inter will be an added advantage. Preferred Experience: Prior experience in NBFCs/Banks/Housing Finance Companies in a similar credit role. Experience in working with Tier 1 and Tier 2 cities will be considered beneficial Show more Show less

About the Role: Grade Level (for internal use): 10 The Team: You will be an expert contributor and part of the S&P Global Rating Core Services Engineering Team. The team has diverse experience in technology stacks. From a foundation of disciplined processes, QA seeks out innovative testing solutions, reliable & transparent test execution, and aspires towards continuous improvement in achieving top quality. Responsibilities: · This role will involve understanding the technical design, development and implementation of scripts to support Performance Engineering standards and build improvement solutions aiming for performance optimization. · Ensures adherence to quality standards during the performance testing of applications, identifies areas of strengths and weakness. · Ensures on-time delivery of work including monitoring of external and internal dependencies, all activities are accurately recorded and reported. · Ensure optimally performing production applications by establishing application and transaction SLAs for performance, implementing proactive application monitoring, alarming and reporting, and ensuring adherence to and measurement against defined SLAs. · Analyzes, designs and develops performance specifications and scripts based on workflows. · Demonstrate outstanding flexibility and leadership with communication of performance test result interpretation and explanation to both IT and Business Users. · Understand systems environments like shared resources, components and services, CPU, memory, storage, network, etc. · Create Continuous Integration, Continuous Delivery (CI/CD) infrastructure and processes to run QA performance scripts. · Understand DevOps requirements to support performance engineering Strategy against enterprise-wide application & bring them to CI/CD platform. · Participate in Daily Stand-up Calls, works closely with the stakeholders to know the deliverables and commitments of each release. · Actively taking part in resolving critical infrastructure issues and coming up with solutions to mitigate the same. What We’re Looking For: Basic Qualifications · 6+ years of strong hands-on scripting experience in performance testing & engineering. · Solid experience in assessing the performance, scalability, and resiliency of large-scale web applications, Desktop based applications, APIs, and backend services · Handson with LoadRunner suite for performance test script development · Experience in implementing performance tests in a multi-tiered and microservice architecture · SME in LoadRunner Cloud / LoadRunner Enterprise platforms · Understanding of and experience with various types of performance testing (Load, Stress, etc.). · Experience in APM toolsets (Splunk SoC, Grafana & Aternity) · Ability to create application performance test plan based on project requirements. · Ability to interpret results of performance tests and identify improvements. · Experience in defining Non-Functional Requirements (NFR) & strategy to achieve NFR · Should be a self-motivated, result-oriented and excellent team player. · Should be able to work under a competitive time frame and deliver. · Should be a very fast learner and have the excellent problem-solving ability. Minimum and Preferred Education Bachelor's or higher qualification in Computer Science, Information Systems or equivalent is preferred. Grade/Level: 10 Job Location: Hyderabad Shift Time: 12 pm to 9 pm IST Hybrid model: twice a week work from office. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. ----------------------------------------------------------- Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf ----------------------------------------------------------- 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 307720 Posted On: 2025-05-21 Location: Hyderabad, Telangana, India

Senior Data Quality Researcher Hyderabad, India Data Management 307688 Job Description About The Role: Grade Level (for internal use): 08 The Team Data Quality Measurement teams execute analyses and implement controls to ensure information quality for the associated client group. A key goal of this job family is to ensure that the data sets used by the user group is of high quality and considered to be sufficient, timely and reliable considering the standards that are set by the business or regulating entity/industry group, if applicable. The team consists of highly trained data quality professionals, who understand the business and who strive to deliver outstanding client experience, while helping to mitigate regulatory and legal risk exposure to the organization. Responsibilities and Impact Engages with stakeholders to define requirements and usage needs for the measurement of data quality for a specific region or part of a business. Undertakes ownership for the on-going delivery of data quality measurement activities with a concentrated focus on a specific region or part of a business. On identification of data quality issues, performs analysis and escalates for next level review to remediate the issue and achieve high quality data. Performs testing of defined use cases on new technology and deliver results on data tasks performed; identifies sources or errors. Performs basic root cause analysis on smaller self-contained data analysis tasks that may be related to assigned projects or other unfamiliar projects. Delivers testing of defined use cases as part of data audits on new data vendors. Delivers data quality processes to assure S&P Ratings compliance against regulatory requirements. Performs data queries to identify and drive correction of data inconsistencies. Functional and Business Knowledge Applies basic knowledge of data development lifecycle, theories and work tools developed through past experience to best complete assignments. Basic knowledge of the business and the data quality objectives for his/her team. Problem Solving Identifies and solves problems in data domain of primary operation. Ability to analyze a complex business problem or use case and propose clean, objective solutions Ability to listen to & dissect a business problem and translate into objective technical requirements with minimal interaction with business use Passion for problem solving/new technologies Interactions Works within own team; may interact with other related teams Works with stakeholders in data domain of primary operation to understand processes and procedures Communicates updates on data quality within own team Typical Scope & Impact Contributes to the achievement of personal and team objectives. Minimum and Preferred Education What We’re Looking For Basic Required Qualifications Bachelor's degree or equivalent experience. An S&P Global employee in a similar position would typically have 3-4 years of experience in data operations, preferably in a data quality role. Proficiency in Data Visualization, Data Analytics, and tools like Advanced Excel, SQL, Oracle database, Power BI, ETL, Python. General understanding of financial and market data. General understanding of data and data flows Ability to deliver prioritized tasks on time Willingness to ask questions and escalate where concerns are not resolved Additional Preferred Qualifications Experience in data quality roles is an advantage. Ability to work effectively within a large, global team. Strong written and verbal communication skills. Attention to detail and problem-solving capabilities. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. - Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf - 20 - Professional (EEO-2 Job Categories-United States of America), DTMGOP203 - Entry Professional (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 307688 Posted On: 2025-06-09 Location: Hyderabad, Telangana, India

Security Test Engineer Hyderabad, India Information Technology 307720 Job Description About The Role: Grade Level (for internal use): 10 The Team: Security Testing Team In The Quality Engineering Space Plays A Crucial Role In Safeguarding Business Operations By Identifying Vulnerabilities And Ensuring Robust Protection Against Cyber Threats. Through Meticulous Testing Practices, We Enhance The Security Posture Of Applications, Thereby Reducing The Risk Of Data Breaches And Financial Loss. By Integrating Security Measures Early In The Development Lifecycle, The Team Helps Streamline Processes, Minimize Disruptions, And Ultimately Contribute To Greater Business Efficiency And Resilience. S&P Global Ratings Is The World’s Leading Provider Of Independent Credit Ratings. Our Ratings Are Essential To Driving Growth, Providing Transparency, And Helping Educate Market Participants So They Can Make Decisions With Confidence. We Have More Than One Million Credit Ratings Outstanding On Government, Corporate, Financial Sector And Structured Finance Entities And Securities. We Offer An Independent View Of The Market Built On A Unique Combination Of Broad Perspective And Local Insight. We Provide Our Opinions And Research About Relative Credit Risk; Market Participants Gain Independent Information To Help Support The Growth Of Transparent, Liquid Debt Markets Worldwide. What Is In It For You: Serve As A Highly Technical Security Expert To Bring Security Transformation To Both New And Legacy Applications In Quality Engineering Space. Using A Wide Range Of Cutting-Edge Technology To Innovate While Testing. An Ever-Challenging Environment To Hone Your Existing Skills In Security Testing, Automation, Python Programming, Bash Scripting Etc. Being A Part Of An Organization Which Values ‘Culture Of Urgency’ And ‘Shift Left’ Approaches. Gain The Opportunity To Apply Your Strategic Thinking Alongside Technical Skills To Safeguard Our Systems Defending Against Emerging Cyber Threats. A Plenty Of Skill Building, Knowledge Sharing, And Innovation Opportunities. Building A Fulfilling Career With A Global Financial Technology Company. Responsibilities: This Role Will Involve Designing And Executing Security Tests, Identify Vulnerabilities, And Drive Remediation Strategies While Collaborating With Cross-Functional Teams In An Agile Environment. Understand The Application’s Security Requirements And Identify & Document The Scope Of The Test. Develop And Maintain Security Testing Automation Using Tools Like Burp Suite, ZAP, Or Similar Tools. Integrate Security Testing Into CI/CD Pipelines. Automate Processes And Workflows Using Python To Minimize Manual Work. Collaborate With Development, QE, And DevOps Teams To Investigate Security Incidents, Perform Root Cause Analysis, And Validate Security Fixes. Oversee Results And Logs To Analyze, Prioritize, And Initiate Remediation For Findings Identified By Security Tools During SAST, DAST, SCA, Artifact Scanning, Container Scanning, Etc... Prepare Detailed Reports Summarizing Test Results, Logs, Findings, And Recommendations For Strengthening Overall Security Of An Application. Create And Track Security Metrics, KPIs, And KRIs To Measure Operational Effectiveness. Prepare Comprehensive Reports For Senior Management On Security Performance And Strategic Initiatives. Work Independently, Providing Recommendations, And Leading The Accomplishments Of The Tasks From Inception To Completion. Demonstrate Outstanding Flexibility And Leadership With Proper Communication Of Security Testing Result Interpretation And Explanation To Audience. Participate In Daily Stand-Up Calls, Works Closely With The Agile Manager To Know The Deliverables And Commitments Of Each Release. Actively Taking Part In Resolving Critical Security Issues And Coming Up With Solutions To Mitigate The Same. Basic Qualifications Bachelor's Or Master’s Degree In Electronics And Communication, Computer Science, Cybersecurity, Or Related Fields. 6 To 9 Years Of IT Experience With Relevant Professional Experience Of Minimum 4 Years In The Field Of Cyber Security Testing. Should Have Strong Hands-On Experience In Security Testing, Penetration Testing, And Vulnerability Assessment. Strong Experience In Web, API, And Cloud Security Testing. Clear Understanding Of Security Vulnerabilities, Exploits, And Mitigation Techniques Strong Grasp Of The OWASP Top 10 Vulnerabilities And Effective Mitigation Strategies. Hands-On Experience With Security Testing Tools Such As Burp Suite, OWASP ZAP, Wireshark, Nessus, OpenSSL And Crypto Validation Tools. Proficiency In SAST/DAST Tools And Security Frameworks Like OWASP Top 10, CIS Benchmarks, And CVSS. Hands-On Experience With Selenium, Pytest, And RestAssured API Testing Using Python. Strong Hands-On Experience With Scripting And Programming Languages Including Python, PowerShell, Bash For Security Tasks. Familiarity With RESTful APIs, Webhooks, And Integration Of Third-Party Security Tools And Services Via Automation. Knowledge Of DevSecOps Practices And Integrating Security In CI/CD Pipelines. Self-Motivated And Driven To Stay Updated With The Latest Security Trends, Technologies, And Best Practices, Maintain High Level Of Accuracy In Security Assessments. Ability To Analyze And Communicate Complex Cybersecurity And Technical Challenges To Technical And Non-Technical Users, Leaders, And Stakeholders. Experience Collaborating With Cross Functional Global And Remote Teams With Diverse Backgrounds. Should Be Able To Work Under A Competitive Time Frame And Deliver. Should Be A Very Fast Learner And Have The Excellent Problem-Solving Ability. Should Have Excellent Written And Verbal Communication Skills. Nice To Have Skills: Security Certifications Like CISSP, CEH, CISM, OSCP Or CompTIA Security+ Shall Be Having The Preference. Hands-On Experience In Building AI-Powered Security Tools, Chatbots, And Agent-Driven Automation Pipelines. Knowledge On Agentic AI Frameworks, LLMs, And Orchestration Libraries Like LangChain, CrewAI Or RAG-Based Architectures. Grade: 10 Location: Hyderabad Shift Time: 11am To 8pm / 12pm To 9pm IST Hybrid Model: Twice A Week Work From Office About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. - Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf - 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 307720 Posted On: 2025-06-12 Location: Hyderabad, Telangana, India

The Role We are seeking a motivated and detail-oriented Mortgage Analyst to join our team. In this role, you will play a crucial part in evaluating mortgage applications, assessing risk, and ensuring compliance with relevant regulations. The ideal candidate will have a strong analytical mindset, and excellent communication skills. Responsibilities Analyze mortgage applications and supporting documentation to assess the creditworthiness of applicants. Evaluate financial statements, credit reports, and other relevant data. Assess property valuations and other relevant factors to determine loan suitability. Ensure compliance with lending policies, procedures, and regulatory requirements (including Australian regulations). Prepare detailed reports and recommendations for loan approval or denial. Communicate effectively with Brokers. Maintain accurate and organized records of all applications and decisions Skills and Experience 1-3 years of experience as a Mortgage Analyst or in a similar role within the Australian industry. Strong understanding of mortgage lending principles, practices, and regulations in Australia. Excellent analytical and problem-solving skills with a keen attention to detail. Proficiency in analyzing financial statements, credit reports, and other relevant documentation. Prepare detailed reports and recommendations for loan approval or denial. Communicate effectively with brokers. Maintain accurate and organized records of all applications and decisions. To Apply Please submit your resume and cover letter to mpatel@offshorehorizons.com Show more Show less

This role is for one of the Weekday's clients Min Experience: 1 years Location: Mumbai JobType: full-time We are seeking a dynamic and driven Associate to join our Financial Institution Group (FIG) team within the Wholesale Banking division. This is a client-facing role focused on managing and growing relationships with a wide array of financial institutions, including NBFCs, insurance companies, mutual funds, fintechs, cooperatives, and other regulated/non-regulated entities. You will be responsible for relationship management, business development, and revenue generation through tailored banking solutions. Requirements Key Responsibilities: Client Relationship Management: Develop and manage strong, long-term relationships with key decision-makers at financial institutions. Serve as the primary point of contact for clients, ensuring prompt resolution of queries and seamless delivery of services. Business Development & B2B Sales: Identify new business opportunities and cross-sell a suite of wholesale banking products including loans, trade finance, treasury products, and cash management solutions. Work closely with product and credit teams to structure and execute client-specific solutions. Credit & Risk Understanding: Liaise with internal credit and risk teams to assess client creditworthiness, prepare credit proposals, and monitor exposure and performance of client accounts. Market Intelligence: Keep track of industry developments, competitor offerings, regulatory changes, and macroeconomic trends to identify potential risks and opportunities within the FIG landscape. Revenue Ownership: Own and deliver revenue and profitability targets from assigned FIG accounts. Track and analyze client wallet share and plan growth strategies accordingly. Internal Collaboration: Coordinate with internal stakeholders including risk, compliance, legal, operations, and product teams to deliver seamless end-to-end client service. Key Skills & Experience Required: 1-5 years of experience in B2B sales, relationship management, or wholesale banking, preferably within the FIG domain. Strong understanding of the financial services ecosystem, including NBFCs, insurance companies, fintechs, etc. Proven ability to engage CXO-level stakeholders and drive business discussions. Good knowledge of banking products relevant to financial institutions (e.g., working capital, term loans, trade finance, treasury). Experience in credit proposal preparation and basic financial analysis is preferred. Excellent interpersonal, communication, and negotiation skills. Ability to thrive in a fast-paced and client-centric environment. Preferred Qualifications: MBA/PGDM in Finance, Marketing, or related fields from a reputed institution. Bachelor's degree in Commerce, Economics, Finance, or equivalent Show more Show less

Analyze income statements, balance sheets, and cash flow statements of corporates, banks, and NBFCs to assess their financial health and creditworthiness. Identify key trends, risks, and opportunities in the financial statements and provide recommendations to stakeholders. Generate detailed reports on borrowers, including credit scores, risk ratings, and recommendations for lending decisions. Develop and maintain financial models to forecast future performance and assess the impact of various scenarios on the borrower's credit profile. Conduct industry research and market analysis to stay up-to-date on industry trends and developments. Collaborate with cross-functional teams, including credit risk, lending, and portfolio management to ensure alignment and consistency in credit decisions. Develop and maintain databases and spreadsheets to track financial data and trends. Provide ad-hoc analysis and support to senior management and other stakeholders as required. Show more Show less

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills. • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus. Show more Show less

Work Level : Individual Core : Self Motivated, Result Driven Leadership : Working Independently Industry Type : Banking Function : Credit Analyst Key Skills : Working Capital,Credit Manager,Credit Analyst,Retail Asset,Credit,Credit Memo Education : Graduate Note: This is a requirement for one of the Workassist Hiring Partner Key Responsibilities: We are seeking a detail-oriented and experienced Credit Manager – Retail Assets to evaluate and manage credit risk for our retail loan portfolio, including products such as personal loans, auto loans, home loans, and credit cards. The ideal candidate will be responsible for assessing creditworthiness, ensuring adherence to credit policy, and supporting business growth while minimizing risk exposure. Responsibilities: Credit Assessment: Evaluate retail loan applications based on creditworthiness, repayment capacity, and compliance with internal credit policies. Underwriting: Perform detailed financial analysis of borrowers and recommend credit decisions within delegated authority limits. Risk Management: Identify potential credit risks in proposals and suggest risk mitigants; ensure portfolio quality through periodic reviews. Policy Adherence: Ensure compliance with internal credit policies, regulatory guidelines, and audit recommendations. Process Improvement: Collaborate with sales, operations, and risk teams to streamline credit approval processes and improve turnaround time. Team Collaboration: Guide junior credit officers, ensure consistency in underwriting decisions, and contribute to skill development. MIS & Reporting: Prepare periodic reports on portfolio performance, delinquency trends, and policy deviations. Coordination: Liaise with legal, technical, and verification agencies to ensure accuracy and reliability of documentation and field checks. Company Description Workassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000+ recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal. We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers. For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2 (Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well). So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don't hesitate to apply today. We are waiting for you! Show more Show less

Job Description: Required Skills and Experience · Proven experience as a Business Analyst in the financial services industry, with a focus on lending and credit risk management. · Strong understanding of financial spreading methodologies, including the analysis of financial statements, tax returns, and cash flow projections . · Specific knowledge of C&I, CRE, and Agriculture lending practices, including creditworthiness assessment, loan structuring, and risk mitigation strategies . · Familiarity with credit risk assessment tools and techniques, such as financial ratios, credit scoring models, and stress testing . · Experience with data analysis and financial modeling tools, such as Excel, SQL , and statistical software packages. · Familiarity with leading financial spreading software solutions and platforms in the market (e.g., Moody’s CreditLens, Sageworks, nCino, Baker Hill NextGen) . · Strong analytical and problem-solving skills, with the ability to identify and articulate business needs and translate them into software requirements . · Proficiency in using requirement management tools and techniques, such as JIRA, Confluence, and Agile methodologies . Show more Show less

Work Level : Individual Core : Self Motivated, Result Driven Leadership : Working Independently Industry Type : Banking Function : Credit Analyst Key Skills : Credit,Credit Memo,Credit Analyst,Credit Manager,Retail Asset,Working Capital Education : Graduate Note: This is a requirement for one of the Workassist Hiring Partner Key Responsibilities: Credit Assessment: Evaluate retail loan applications based on creditworthiness, repayment capacity, and compliance with internal credit policies. Underwriting: Perform detailed financial analysis of borrowers and recommend credit decisions within delegated authority limits. Risk Management: Identify potential credit risks in proposals and suggest risk mitigants; ensure portfolio quality through periodic reviews. Policy Adherence: Ensure compliance with internal credit policies, regulatory guidelines, and audit recommendations. Process Improvement: Collaborate with sales, operations, and risk teams to streamline credit approval processes and improve turnaround time. Team Collaboration: Guide junior credit officers, ensure consistency in underwriting decisions, and contribute to skill development. MIS & Reporting: Prepare periodic reports on portfolio performance, delinquency trends, and policy deviations. Coordination: Liaise with legal, technical, and verification agencies to ensure accuracy and reliability of documentation and field checks. Company Description Workassist is an online recruitment and employment solution platform based in Lucknow, India. We provide relevant profiles to employers and connect job seekers with the best opportunities across various industries. With a network of over 10,000+ recruiters, we help employers recruit talented individuals from sectors such as Banking & Finance, Consulting, Sales & Marketing, HR, IT, Operations, and Legal. We have adapted to the new normal and strive to provide a seamless job search experience for job seekers worldwide. Our goal is to enhance the job seeking experience by leveraging technology and matching job seekers with the right employers. For a seamless job search experience, visit our website: https://bit.ly/3QBfBU2 (Note: There are many more opportunities apart from this on the portal. Depending on the skills, you can apply for them as well). So, if you are ready for a new challenge, a great work environment, and an opportunity to take your career to the next level, don't hesitate to apply today. We are waiting for you! Show more Show less

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

About The Role Grade Level (for internal use): 11 The Team The Agile Program Management Office is a team of 42 supporting the Ratings Technology organization and product delivery across the division. Our Vision is to accelerate the way we operate at scale by strengthening alignment between our strategy and execution to support value driven business outcomes. Our Mission is to foster a culture that encourages a customer first approach , a systems thinking mindset , relentless commitment to improvement , portfolio alignment , continuous learning , sustainability & DEI & Engagement , and raises awareness of Product Delivery. The Impact As a project manager for the Agile Program Management Office, you will have the opportunity to lead impactful initiatives, tackle complex challenges, and contribute to achieving organization and strategic goals. Responsibilities Provide overall project governance of any ongoing or new projects assigned. Develop and maintain partnerships with team members and stakeholders. Manage all coordination activities. Utilize agile processes for managing scope, organizing activities, and assessing risks. Escalate, track, and eliminate impediments as needed. Produce and maintain any necessary documentation. Report outcomes and/or risks to the appropriate channels and escalate issues as necessary. Work with the Program Management Office on program execution and operational excellence. What We're Looking For Proven experience leading technology and/or security projects. Strong customer focus, excellent problem solving and analytical skills. Excellent communication and strong interpersonal skills required. Strong administrative and organizational skills required with attention to detail. Ability to work with minimal oversight and supervision while knowing when to escalate transparently in a rapidly changing environment. Strong capabilities with identifying, tracking, and managing dependencies. Understand and empathize with others. Be open and appreciate openness in others. Create an environment of mutual influence. Skills, Experience & Qualifications Diploma or degree in a technical discipline or similar An S&P Global employee in similar position typically comes with a minimum of 4 years’ experience as a technical project manager Experience working with Agile methodology (SAFe preferred) Experience with globally distributed teams Preferred PMP or PMI Agile Certified. Preferred LPM SAFe Certification, Certified Scrum Master, or Certified Product Owner credentials. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 313680 Posted On: 2025-05-12 Location: Hyderabad, Telangana, India Show more Show less

Job Summary: We are seeking an experienced and detail-oriented Credit Manager to lead credit risk evaluation, underwriting, and portfolio performance in our payday loan segment. The Credit Manager will be responsible for designing and implementing credit policies, overseeing the loan decisioning process, managing risk across various DPD buckets, and optimizing approval rates while minimizing defaults. Key Responsibilities: Develop and implement credit policies and scorecards tailored to payday loan products. Analyze borrower profiles and financial data to assess creditworthiness. Oversee loan underwriting and decisioning processes, ensuring quick turnaround time. Monitor portfolio quality, delinquencies (DPD), and losses. Identify trends and take corrective actions to mitigate risk exposure. Work closely with collections, product, and technology teams to improve credit performance and reduce NPAs. Review and refine risk-based pricing strategies to balance risk and profitability. Collaborate with compliance to ensure adherence to RBI and regulatory guidelines. Lead a small team of credit analysts or underwriters (as applicable). Prepare MIS reports and dashboards for senior management on portfolio health, approval/rejection ratios, and risk metrics. Continuously evaluate and integrate alternate data and automation tools to strengthen underwriting. Requirements: Bachelor’s degree in Finance, Accounting, Business Administration or related field; MBA or CFA is a plus. 5–10 years of experience in credit risk management, preferably in payday loans, personal loans, or digital lending. Strong understanding of retail lending risk models, credit scoring, and analytics. Knowledge of DPD management, bureau reports (CIBIL/Experian/CRIF), and fraud detection. Proficient in tools like Excel and credit decisioning platforms. Strong decision-making, analytical, and interpersonal skills. Experience working in a fast-paced fintech or NBFC environment preferred. Show more Show less

About The Role Grade Level (for internal use): 10 The Team You will be an expert contributor and part of the S&P Global Rating Core Services Engineering Team. The team has diverse experience in technology stacks. From a foundation of disciplined processes, QA seeks out innovative testing solutions, reliable & transparent test execution, and aspires towards continuous improvement in achieving top quality. What’s In It For You As a Senior QA you will make a key contribution in building solutions to test applications across Web/API/DB platforms and framing efficient data comparison methods. Your challenge will be reducing the “time to market” for products without compromising quality, by leveraging automation and innovation. Using a wide range of cutting-edge technology to innovate while testing. An ever-challenging environment to hone your existing skills in Automation, performance, service layer testing, Accessibility testing, security testing etc. A great opportunity to think and execute like a developer while performing the role of QA. Responsibilities Develop automation/performance scripts that meet organization standards and build reliable, reusable, and maintainable automated regression suites & test harness. Leverage tools and frameworks to build automation/performance scripts with quality code to simplify testing scenarios. Perform Accessibility testing and ensure your application meet WCAG standards. Design and develop test plans, test cases based upon functional and design specifications, execute test cases, and analyze and report test results to the teams. Work in partnership with the development teams to deliver business functionality on time with required quality that meets the acceptance criteria. Focus on building efficient solutions for Web, Services/APIs. Participate in internal/cross team meetings, project scoping, functional reviews, test specifications, technical reviews for assigned projects in an Agile environment. Participate actively in functional, system and regression testing activities. Capture quality assurance data and metrics to provide insights and conclusions. Estimate and perform risk analysis for quality delivery. Basic Qualifications What We’re Looking For: 6+ years of experience in software testing or development with good understanding of testing, coding, and debugging procedures. Experience in programming using Python/Java languages. Experience in design and development of automated tests using automation tool (e.g., Selenium) across the application layers (UI/Service/Data layers) and root cause analysis. Experience of working with REST service and understanding of SOA architecture Exposure to distributed source control systems such as Git Excellent problem solving, analytical and technical troubleshooting skills. Bachelor's or higher qualification in Computer Science, Information Systems or equivalent is preferred. Preferred Qualifications Experience of testing in CI, DevOps model is a plus. Experience in Accessibility testing is a plus. Knowledge of Splunk is a plus. Exposure of Security Testing is a plus. Exposure of User Journey based testing is a plus. Exposure of Performance testing is a plus. Grade/Level : 10 Job Location: Hyderabad Shift Time: 12 pm to 9 pm IST Hybrid model: twice a week work from office. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 314637 Posted On: 2025-05-16 Location: Hyderabad, Telangana, India Show more Show less

· Support and assist all Operations & back office works of Vehicle loan department on daily basis. · Sourcing of vehicle loans for society as per the policy from open market or through BCs · Collection and maintenance of Pre-disbursement and post disbursement documents. · Background verification of customers and complete documentation process as instructed by A.O. · Sourcing and empanelment of New BCs. · Co-ordinating BCs and Registered office for invoice generation and pay out disbursements. · Meet with applicants to obtain information for loan application and document collection accordingly. · Analyse applicant financial status, creditworthiness and property evaluations to determine feasibility of granting loans · Explain the customers about different products and options available as well as terms and conditions. · Verification of loan agreements to ensure that they are complete and accurate according to policy. · Computation of loan amount, EMI, Chrarges and Net disbursement amount. · Handle customer complaints and take appropriate action to resolve them · Co-ordinate with credit and operations team and ensure approvals and policy compliance and timely disbursements of loans. · Ensure name transfer and hypothecation endorsement in RC and Insurance. · Identify and Empanel RTO agents in your respective locations · Market the products of society. · Collection follow up and ensure prompt collection. · Attending office activities and coordinate activities from Registered office and Branches/BCs · Preparation of Office Note for Sanction. · Maintaining and reporting MIS on daily basis, weekly and monthly basis – reference received, logins, rejections, hold, approved, disbursed and other pipeline cases. · Ensuring timely registration of membership for the new customers. · Checking the loan applications received and reporting the discrepancies found and timely rectification of the same. · Inspecting the loan documents before forwarding for approval. · Initiating Field Investigation and Vehicle Inspection · Keep reporting your all activities including On-duty and non-punching movements. · Responsible to hand over all loan documents to the registered office/branch without any loss or damage. · BC registration process completion and code creation, Pay out calculation and initiation, approval confirmation from officer concerned. · NACH registration process and re-initiation of rejected cases until gets registered. Job Types: Full-time, Permanent, Fresher Pay: ₹18,000.00 - ₹25,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Education: Higher Secondary(12th Pass) (Preferred) Experience: Sales: 1 year (Preferred) License/Certification: 2 Wheeler Licence (Preferred) Location: Nilambur, Kerala (Preferred) Work Location: In person Speak with the employer +91 9072597411 Application Deadline: 31/05/2025 Expected Start Date: 01/06/2025

· Support and assist all Operations & back office works of Vehicle loan department on daily basis. · Sourcing of vehicle loans for society as per the policy from open market or through BCs · Collection and maintenance of Pre-disbursement and post disbursement documents. · Background verification of customers and complete documentation process as instructed by A.O. · Sourcing and empanelment of New BCs. · Co-ordinating BCs and Registered office for invoice generation and pay out disbursements. · Meet with applicants to obtain information for loan application and document collection accordingly. · Analyse applicant financial status, creditworthiness and property evaluations to determine feasibility of granting loans · Explain the customers about different products and options available as well as terms and conditions. · Verification of loan agreements to ensure that they are complete and accurate according to policy. · Computation of loan amount, EMI, Chrarges and Net disbursement amount. · Handle customer complaints and take appropriate action to resolve them · Co-ordinate with credit and operations team and ensure approvals and policy compliance and timely disbursements of loans. · Ensure name transfer and hypothecation endorsement in RC and Insurance. · Identify and Empanel RTO agents in your respective locations · Market the products of society. · Collection follow up and ensure prompt collection. · Attending office activities and coordinate activities from Registered office and Branches/BCs · Preparation of Office Note for Sanction. · Maintaining and reporting MIS on daily basis, weekly and monthly basis – reference received, logins, rejections, hold, approved, disbursed and other pipeline cases. · Ensuring timely registration of membership for the new customers. · Checking the loan applications received and reporting the discrepancies found and timely rectification of the same. · Inspecting the loan documents before forwarding for approval. · Initiating Field Investigation and Vehicle Inspection · Keep reporting your all activities including On-duty and non-punching movements. · Responsible to hand over all loan documents to the registered office/branch without any loss or damage. · BC registration process completion and code creation, Pay out calculation and initiation, approval confirmation from officer concerned. · NACH registration process and re-initiation of rejected cases until gets registered. Job Types: Full-time, Permanent, Fresher Pay: ₹18,000.00 - ₹25,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Education: Higher Secondary(12th Pass) (Preferred) Experience: Sales: 1 year (Preferred) Location: Calicut, Kerala (Preferred) Work Location: In person Speak with the employer +91 9072597411 Application Deadline: 31/05/2025 Expected Start Date: 01/06/2025