672 Creditworthiness Jobs - Page 13

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

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

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

· 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 Pay: ₹18,000.00 - ₹25,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Yearly bonus Work Location: In person Application Deadline: 29/06/2025 Expected Start Date: 01/07/2025

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelor’s degree in Finance, Commerce, Business Administration, or related field. MBA or professional qualification (CA, CFA, ICMA) preferred. Strong communication and interpersonal. Minimum 10-15 years of experience in credit management, with at least 5 years in a leadership role. Strong understanding of credit appraisal, risk assessment, and advances portfolio management. Knowledge of banking regulations and compliance related to credit and advances. Excellent analytical, decision-making, and leadership skills. Proficient in credit risk software and MS Office applications. Key Responsibilities: Develop and implement credit policies, procedures, and guidelines in line with the bank’s risk appetite and regulatory requirements. Oversee the assessment, sanctioning, and monitoring of all credit proposals and advances to ensure quality and compliance. Manage the credit portfolio to minimize non-performing assets (NPAs) and ensure timely recovery. Lead the credit appraisal team, providing guidance, training, and performance management. Conduct periodic reviews of existing credit exposures and take corrective actions as needed. Coordinate with other departments (Risk, Legal, Compliance, Recovery) to ensure effective credit risk management. Ensure that all credit disbursements are adequately documented and supported by necessary approvals. Analyze market trends, customer creditworthiness, and economic factors impacting credit risk. Prepare and present credit reports, portfolio analysis, and risk assessment to senior management and the Board. Stay updated on regulatory changes and ensure timely implementation in credit processes. Drive credit growth by identifying new business opportunities while maintaining asset quality. Handle escalations and resolve credit-related issues promptly. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Credit ( Advances ): 10 years (Preferred) Work Location: In person

Job ID: 32723 Location: Mumbai, IN Area of interest: Corporate & Commercial Banking Job type: Regular Employee Work style: Office Working Opening date: 23 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

Credit Manager TFE Department TFE Location Pune Reporting Relationships Area Credit Manager Number of Positions 1 Position Grade M2/M3 Evaluate proposals of customers for TFE Financial Analysis, Use performance history and future forecasts along with liquidity, debt/asset management, and profitability ratios to assess creditworthiness in evaluation Holding of regular credit control meetings Interaction with Strategic Customers & understanding of the Infrastructure business & explore business opportunities. Regular monitoring of Delinquencies / Infants MBA Finance/Bcom Experience of more than 3 years Application: If you wish to apply for this job position, please fill your details in the Kotak Fast Track Application Form and mail to manasi.thakur@kotak.com Please mention the following in the subject line as ‘”Position Name” –“Your Name” – “Your Current Business group”

Job ID: 32725 Location: Chennai, IN Area of interest: Corporate & Commercial Banking Job type: Regular Employee Work style: Office Working Opening date: 23 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

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

CRISIL pioneered in 1987 in India provides credit ratings for a wide range of entities, including banks, non-bank financial companies, and infrastructure projects. These ratings help investors, banks, and financial institutions assess the creditworthiness of companies, governments, and other organizations. As a Senior Salesforce Developer, you will be responsible for designing, developing, and implementing Salesforce solutions for our clients. You will work closely with our clients to understand their business requirements and develop tailored solutions to meet their needs. Key Responsibilities: Design and Development: Design, develop, and implement Salesforce solutions, including custom applications, integrations, and workflows. Develop high-quality, scalable, and maintainable code using Apex, Visualforce, Lightning Components, and other Salesforce technologies. Collaborate with cross-functional teams to identify and prioritize project requirements. Technical Leadership: Provide technical guidance and mentorship to junior developers. Participate in code reviews and ensure adherence to coding standards and best practices. Stay up-to-date with the latest Salesforce features, releases, and best practices. Client Engagement: Work closely with clients to understand their business requirements and develop tailored solutions. Communicate technical concepts and solutions to non-technical stakeholders. Provide training and support to clients on Salesforce solutions. Project Management: Prioritizing tasks and meeting deadlines. Collaborate with project managers to develop project plans, estimates, and resource allocation. Quality Assurance: Develop and execute unit tests, integration tests, and user acceptance tests. Ensure solutions meet quality, security, and performance standards. Requirements: Technical Skills: 3-5 years of experience in Salesforce development (Apex, Visualforce, Lightning Components). Strong understanding of Salesforce architecture, data modeling, and security. Experience with Salesforce APIs (SOAP, REST), integration technologies. Familiarity with Agile development methodologies (e.g., Scrum, Kanban). Soft Skills: Excellent communication, collaboration, and problem-solving skills. Strong analytical and troubleshooting skills. Ability to work in a fast-paced environment, prioritizing multiple tasks and meeting deadlines. Certifications: Salesforce Developer Certification (Platform Developer I or II). Salesforce Architect Certification (optional). Nice to Have: Additional Technical Skills: Experience with other programming languages (e.g., Java, Python, C#). Familiarity with cloud-based technologies (e.g., AWS, Azure, Google Cloud). Knowledge of DevOps tools (e.g. Git,ADO). Industry Experience: Experience working in a consulting or professional services environment. Familiarity with industry-specific solutions (e.g., financial services, healthcare).

Company Description At LiquiLoans, we aim to simplify and expedite the process of obtaining funds, eliminating unnecessary paperwork for a hassle-free financing experience. Our platform connects borrowers and lenders, enabling efficient financial transactions at competitive rates. We offer 0% EMI products and ensure loan disbursement within 24 hours of approval. LiquiLoans provides flexible interest rates, catering to urgent medical treatments, educational needs, and personal expenses with speedy loan transfers and 0% EMI options across India. Role Description This is a full-time on-site role for a Credit Underwriter located in Surat. The Credit Underwriter will be responsible for assessing creditworthiness, analyzing loan applications, conducting risk assessments, and making informed credit decisions. The role involves detailed evaluation and approval of loans while ensuring compliance with established guidelines and procedures. Qualifications Credit Underwriting and Underwriting skills Strong Analytical Skills Effective Communication skills Experience with Loans and loan approval processes Attention to detail and ability to work independently Bachelor's degree in Finance, Economics, Business Administration, or related field Previous experience in a similar role is a plus

Company Profile: A. K Group, a financial conglomerate was founded by Mr. A.K Mittal with a vision to operate and develop the Indian debt capital markets which were in nascent stage. A. K Group over the period has emerged as one of the most trusted Bond Houses of India, aimed at providing the most competent solutions to its clients. Proficient at the Fixed Income market Segment of the Indian Economy, the group works towards its definitive motive of "A Bond in every hand". Company Website: www.akgroup.co.in Job Summary: We are seeking a highly skilled and analytical Credit Analyst (Financial Institutional Lending) to join our growing team. The ideal candidate will have 1-3 years of experience in underwriting corporate clients within the financial sector, preferably with exposure to NBFC operations. Key Responsibilities: - Perform end-to-end credit underwriting for Financial Institutional and mid market corporate clients, primarily in the financial sector. - Conduct detailed analysis of financial statements, assess creditworthiness, and identify key business and financial risks. - Structure and recommend credit facilities in line with internal policies and risk appetite. - Prepare and present comprehensive credit appraisal notes for approval committees. - Continuously monitor portfolio performance and highlight early warning signals and credit deterioration. - Ensure compliance with regulatory guidelines, internal credit policies, and documentation - Leverage experience in accounting audits to assess financial integrity and detect potential red flags. Qualifications & Experience: - Chartered Accountant (CA) and/or Chartered Financial Analyst (CFA) preferred. - 1-3 years of experience in credit underwriting to Financial Institutions, with a focus on financial sector clients. - Strong Excel Skills - Decent Communication and Interpersonal skills

Job Title: Field Executive – Home Loan Sales Location: Hyderabad Salary: ₹30,000 – ₹50,000 per month(based on experience and performance) Experience Required: Minimum 1 year in home loan or financial product sales Job Type: Full-time Key Responsibilities: Identify potential customers for home loans by visiting residential areas, and builder project sites through referrals and cold calling. Meet clients to understand their financial needs, explain loan products, interest rates, EMI options, and tailor offerings accordingly. Assist clients with the complete documentation process, ensuring compliance with company and regulatory guidelines. Pre-screen clients by checking eligibility based on income, property type, and creditworthiness before submission. Coordination with Credit Team for verification departments to ensure timely processing and disbursal of home loans. Build and maintain strong relationships with builders, property agents, and other key market influencers to generate regular leads. Keep updated on competitor offerings, real estate developments, interest rate changes, and RBI guidelines impacting home loan products. Consistently meet or exceed assigned monthly sales and disbursement targets. Provide post-sale support for documentation, queries, and loan status updates until final disbursement. Candidate Requirements: Minimum 1 year of sales experience in home loans, LAP, mortgage, or housing finance industry is mandatory Good knowledge of the local property market, builder tie-ups, and housing finance processes Strong negotiation, sales, and interpersonal skills Ability to handle pressure and work independently to achieve sales goals Should be willing to travel extensively within the city Must own a two-wheeler Graduation or equivalent qualification preferred Perks & Benefits: Competitive salary + attractive performance-based incentives Fast-track growth for high performers Field support, product training, and the opportunity to work with a growing finance company Travel allowances are provided. NOTE: We require immediate joiners , so kindly prioritize candidates who are available to start at the earliest.

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

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

Bombay Mercantile Co-Operative Bank Ltd., a leading Multi-State Scheduled Bank, with 52 branches across 10 states, requires dynamic and experience personnel. Age: 45-50 Years Location: Mumbai Qualification and Experience: Bachelor’s degree in Finance, Commerce, Business Administration, or related field. MBA or professional qualification (CA, CFA, ICMA) preferred. Strong communication and interpersonal. Minimum 10-15 years of experience in credit management, with at least 5 years in a leadership role. Strong understanding of credit appraisal, risk assessment, and advances portfolio management. Knowledge of banking regulations and compliance related to credit and advances. Excellent analytical, decision-making, and leadership skills. Proficient in credit risk software and MS Office applications. Key Responsibilities: Develop and implement credit policies, procedures, and guidelines in line with the bank’s risk appetite and regulatory requirements. Oversee the assessment, sanctioning, and monitoring of all credit proposals and advances to ensure quality and compliance. Manage the credit portfolio to minimize non-performing assets (NPAs) and ensure timely recovery. Lead the credit appraisal team, providing guidance, training, and performance management. Conduct periodic reviews of existing credit exposures and take corrective actions as needed. Coordinate with other departments (Risk, Legal, Compliance, Recovery) to ensure effective credit risk management. Ensure that all credit disbursements are adequately documented and supported by necessary approvals. Analyze market trends, customer creditworthiness, and economic factors impacting credit risk. Prepare and present credit reports, portfolio analysis, and risk assessment to senior management and the Board. Stay updated on regulatory changes and ensure timely implementation in credit processes. Drive credit growth by identifying new business opportunities while maintaining asset quality. Handle escalations and resolve credit-related issues promptly. Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Masjid, Mumbai, Maharashtra: Reliably commute or planning to relocate before starting work (Preferred) Education: Bachelor's (Preferred) Experience: Credit ( Advances ): 10 years (Preferred) Work Location: In person

Role: Node JS Developer (2+ years experience) Company Description Roopya is a SaaS Fintech product company specializing in lending analytics, offering lending infra and advanced solutions in application scorecards, pricing analytics, and portfolio monitoring. Their technology capabilities include leveraging data analytics and machine learning to assess creditworthiness, optimize pricing strategies, and continuously monitor loan portfolios for risk management and performance insights. Roopya’s tech-driven approach enhances decision-making for financial institutions, enabling more accurate risk assessments, personalized lending offers, and real-time portfolio health tracking. Roles and Responsibilities Must Have · JavaScript and NodeJS (expert level) · HTML, CSS, and JQuery. · Database - MongoDB, MySql. · Data Structures, Algorithms, Design Patterns. · Strong Problem-solving skills. · Familiarity with RESTfulAPIs, web sockets, caching technologies. · Familiarity with Continuos Integration tools · Writing efficient, reusable, testable, and scalable code · JIRA/Confluence, GIT Good to Have: · Knowledge of React JS, AWS · Knowledge of Design patterns and front-end technologies - Responsive HTML/CSS, · Experience in OpenID Connect, OAuth, Google Auth · Test case library like Jest · Familiarity with CI/CD: Docker, Jenkins Location: Kolkata Location Type: Work from Office Timing: Mon – Fri, 9:30am to 6.00pm Employment Type: Full Time, Permanent

Job Title: Collections cum Loan Investigation Executive Location: New Town, Kolkata, West Bengal Experience: 1+ Year Job Summary: The Collections cum Loan Investigation Executive will play a dual role, primarily focusing on the recovery of outstanding debts and, concurrently, conducting thorough investigations into loan applications and existing loan accounts to verify information, identify discrepancies, and mitigate potential risks or fraud. This role demands strong analytical, communication, and negotiation skills, along with a keen eye for detail. Key Responsibilities: Collections: Contact customers with overdue payments via phone, email, and potentially field visits Negotiate and structure realistic repayment plans and settlements while adhering to company policies and legal guidelines. Maintain accurate and detailed records of all collection activities and customer interactions. Resolve customer queries and disputes professionally, escalating complex issues to senior management when necessary. Achieve individual and team collection targets and Key Performance Indicators (KPIs). Loan Investigation: Conduct thorough due diligence and verification of information provided by loan applicants, including employment, income, address, and credit history. Perform field investigations (physical visits) to verify applicant details, assess collateral (if applicable), and evaluate the genuineness of the loan purpose. Analyze financial documents, bank statements, and credit reports to assess creditworthiness and identify potential risks or red flags. Investigate cases of suspected fraud or misrepresentation in loan applications or existing loan accounts. Prepare comprehensive investigation reports detailing findings, discrepancies, and recommendations for further action (e.g., loan approval/rejection, legal action). Collaborate closely with the underwriting, credit, and legal teams to share insights and facilitate informed decision-making. Ensure all investigation activities comply with company policies, regulatory guidelines (e.g., RBI norms), and ethical standards. Qualifications: 1 year of proven experience in collections, tele-calling, customer service, or a related field within the financial services or lending industry. Prior experience or a strong understanding of loan processing, credit assessment, or fraud investigation would be a significant advantage. Excellent verbal and written communication skills in English and [Local Language, e.g., Bengali, Hindi]. Strong analytical and problem-solving abilities, with a meticulous approach to detail. Proficient negotiation, persuasion, and conflict resolution skills. Ability to work independently, manage a diverse portfolio of tasks, and prioritize effectively in a fast-paced environment. Proficiency in MS Office Suite (Word, Excel) and familiarity with CRM and/or loan management systems. High level of integrity, discretion, and ability to handle sensitive information confidentially.

About Workafy: Join Workafy, a freelance marketplace connecting 500,000+ professionals with global opportunities. Work on projects that match your skills, anytime, anywhere. Job Description: Seeking skilled Credit Analysts to help clients assess creditworthiness, analyze financial data, and support lending decisions. Responsibilities: Evaluate financial statements and credit reports. Assess risk and prepare credit assessment summaries. Recommend credit limits and terms based on analysis. Requirements: Experience in credit analysis or financial risk assessment. Strong knowledge of accounting principles and financial ratios. Proficiency in Excel and financial modeling tools. Why Join Us? Work on diverse credit and finance projects. Flexible freelance opportunities. Be part of a thriving professional network. Apply now at workafy.com and grow your freelance career as a Credit Analyst!

Job Summary The Field Leader is at the forefront of our operations, responsible for delivering exceptional client experiences. This role involves expertly managing client interactions, conducting tailored training sessions, ensuring accurate field documentation, overseeing loan collections, and resolving issues promptly. The Field Leader is integral to achieving organizational goals by fostering trust and ensuring operational excellence in the field. Job Details Designation: Field Leader Workplace Type: On-site Employment Type: Full-Time Roles and Responsibilities Manage a caseload of at least 650 clients , ensuring their concerns and needs are addressed efficiently. Facilitate loan disbursements ranging from ₹15 to ₹20 lakh monthly, adhering to company policies. Conduct Credit and Group Training (CGT) sessions to empower clients with financial management skills. Ensure timely and complete collection of loan repayments, proactively minimizing delinquencies and defaults. Perform Loan Utilization Checks to verify the appropriate use of disbursed funds. Maintain full coverage of all households in the assigned portfolio, ensuring no eligible client is overlooked. Conduct thorough Know Your Customer (KYC) verifications, meeting regulatory and organizational standards. Implement Best Client Selection by identifying high-potential clients based on creditworthiness and repayment history. Perform Income Parameter Analysis to evaluate clients’ repayment capacity and customize loan offerings. Skills Required Client Handling: Professional, empathetic, and efficient management of client interactions. Field Work: Conduct on-site visits to assess client needs and verify information. Monitoring: Proactively track client accounts to ensure loan compliance and address any issues. Technology Proficiency: Skilled in using computers and mobile devices for record-keeping, communication, and transactions. Bike Riding: Efficient navigation between client locations and the office for timely service delivery. Adaptability: Eagerness to learn new skills and embrace professional growth opportunities. Education and Experience Minimum Qualification: 12th Grade Open to both freshers and experienced candidates . Job Types: Full-time, Permanent, Fresher Pay: ₹15,000.00 - ₹23,000.00 per month Benefits: Health insurance Leave encashment Life insurance Provident Fund Schedule: Day shift Monday to Friday Supplemental Pay: Yearly bonus Ability to commute/relocate: Damla, Haryana: Reliably commute or willing to relocate with an employer-provided relocation package (Required) Language: Hindi (Required) Work Location: In person

Job Summary The Field Leader is at the forefront of our operations, responsible for delivering exceptional client experiences. This role involves expertly managing client interactions, conducting tailored training sessions, ensuring accurate field documentation, overseeing loan collections, and resolving issues promptly. The Field Leader is integral to achieving organizational goals by fostering trust and ensuring operational excellence in the field. Job Details Designation: Field Leader Reporting To: [Insert Manager/Supervisor Name] Job Location: [Specify Location] Workplace Type: On-site Employment Type: Full-Time Roles and Responsibilities Manage a caseload of at least 650 clients , ensuring their concerns and needs are addressed efficiently. Facilitate loan disbursements ranging from ₹15 to ₹20 lakh monthly, adhering to company policies. Conduct Credit and Group Training (CGT) sessions to empower clients with financial management skills. Ensure timely and complete collection of loan repayments, proactively minimizing delinquencies and defaults. Perform Loan Utilization Checks to verify the appropriate use of disbursed funds. Maintain full coverage of all households in the assigned portfolio, ensuring no eligible client is overlooked. Conduct thorough Know Your Customer (KYC) verifications, meeting regulatory and organizational standards. Implement Best Client Selection by identifying high-potential clients based on creditworthiness and repayment history. Perform Income Parameter Analysis to evaluate clients’ repayment capacity and customize loan offerings. Skills Required Client Handling: Professional, empathetic, and efficient management of client interactions. Field Work: Conduct on-site visits to assess client needs and verify information. Monitoring: Proactively track client accounts to ensure loan compliance and address any issues. Technology Proficiency: Skilled in using computers and mobile devices for record-keeping, communication, and transactions. Bike Riding: Efficient navigation between client locations and the office for timely service delivery. Adaptability: Eagerness to learn new skills and embrace professional growth opportunities. Education and Experience Minimum Qualification: 12th Grade Open to both freshers and experienced candidates . Job Types: Full-time, Permanent Pay: ₹15,000.00 - ₹23,000.00 per month Benefits: Cell phone reimbursement Health insurance Leave encashment Life insurance Paid sick time Provident Fund Schedule: Day shift Supplemental Pay: Yearly bonus Work Location: In person

About the Company: At WeCredit, we partner with heading NBFCs to help Customers find the best online financial solutions, including quick and hassle-free loans. Our skilled team provides assistance every step of the way, from Completing your loan documents to ensuring fast disbursal of funds. About The Role: We are looking for a detail-oriented and analytical Credit Underwriter to join our Credit & Risk team. The ideal candidate will assess loan applications, evaluate creditworthiness, and make informed decisions that align with the company’s risk appetite and business goals. Key Responsibilities: Review and analyze loan applications, financial documents, and credit reports Assess applicant risk by evaluating income, liabilities, employment, and repayment capacity Make clear, data-driven underwriting decisions within defined turnaround times Ensure compliance with internal policies, regulatory norms, and credit risk standards Collaborate with sales, collections, and operations teams to ensure seamless customer journeys Continuously refine underwriting criteria based on performance and market trends Document decisions and maintain accurate underwriting records Qualifications: Bachelor’s degree in Finance, Economics, Business, or related field 1–3 years of experience in credit underwriting, preferably in NBFCs or fintech companies Strong understanding of credit risk, financial ratios, and lending practices Proficiency in MS Excel and credit scoring tools High attention to detail and strong analytical skills Ability to work independently and make sound judgments Experience in underwriting Personal loans or digital lending platforms (Preferred) Job Type: Full-time Schedule: Day shift Ability to commute/relocate: Delhi, Delhi: Reliably commute or planning to relocate before starting work (Preferred) Application Question(s): Current CTC? (Annual) Expected CTC? (Annual) Notice Period? (In Days) Have you previously handled underwriting for personal loans? Experience: Underwriting: 1 year (Required) Work Location: In person

Job ID: 32342 Location: Bangalore, IN Area of interest: Corporate & Commercial Banking Job type: Regular Employee Work style: Office Working Opening date: 20 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: o Industry risks and client competitive positioning within the industry. o Client funding strategy, financial policies, treasury activities, including hedging, and cash management. o Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. o Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www.sc.com/careers

About the Role: Grade Level (for internal use): 09 The Team: The S&P Global Ratings, Data Modernization and Automation team is responsible for providing data automation capabilities and solutions along with creating efficiencies in processes. The overall team operates globally and brings together business and technical skills to drive data transformation. As a Data Engineer, you will design and implement solutions that showcase business value through prioritization methods and work with teams across the business. Responsibilities: Interpret and analyze business use-cases and feature requests into technical designs and development tasks. Accountable for analyzing new assignments, developing scripts and tests to validate data, handling change requests, and providing quick and efficient solutions. Deliver real, measurable business value with ownership and accountability for the results. Actively participate in regular design and code reviews. Work with highly skilled teammates in a collaborative and fast-paced team environment. Adhere to and apply software engineering practices and implement automation across all elements of solution delivery. Explore the whole of S&P Global Ratings by performing automation assessments on ideas submitted from all internal departments. Expected Behaviors: Perspective: Understands the team’s broader goals and how their work plays a role, applying their skills or knowledge to situations where the output is defined. Impact: Takes initiative to provide support to the team, paying close attention to detail and identifying potential issues, while delivering as part of a broader agenda. Emotional Intelligence: Actively listens, seeking to understand other perspectives and concerns, fostering inclusivity and collaboration. Collaboration: Collaborates effectively with colleagues to achieve common goals, working beyond immediate tasks to contribute to team success. Time Management: Consistently delivers high-quality work and meets deadlines, assessing urgency in tasks allocated to them. Adaptability: Resourceful and solution-oriented, able to shift priorities and actions as team objectives shift. Creativity: Generates new ideas and thinks outside the box, proactively seeking opportunities for innovation and improvement. Communication: Communicates effectively, expressing thoughts clearly and persuasively, and actively participates in collaborative efforts/team discussions. Leadership: Acts as a team player by being supportive and collaborative, demonstrating commitment to work and team. What We’re Looking For: Bachelor’s degree in Computer Science, Engineering, or a related discipline, or equivalent experience. Proficiency with at least one complementary programming language (Python, etc.). Understanding of CI/CD pipelines. Intermediate SQL knowledge. Database and data frames knowledge. Knowledge of financial domains, preferred. Experience with Power BI/Tableau. Experience writing test stories and conducting unit testing (UAT) to validate, debug, and document issues and release succession. Experience with Agile software development processes. Exposure to cloud-based infrastructures, preferably with AWS, Databricks. Fluent in English. Additional Preferred Qualifications: Team player who can coordinate multiple projects and prioritize effectively against a timeline. Demonstrates a thorough understanding of information systems, business processes, the key drivers, and measures of success while choosing the proper methodologies and policies to support broad business goals. Excellent aptitude for learning, experimenting, and picking up new technologies quickly. Ability to work in cross-functional, multi-geography teams displaying cultural sensitivity and championing a global mindset. Aptitude to solve complex problems, critical thinking, and out-of-the-box thinking. Ability to present own ideas and solutions, as well as guide technical discussions. Ability to work in a team-oriented environment and, in addition, can work independently. Office presence twice a week. 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. Recruitment Fraud Alert: If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com . S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here . ----------------------------------------------------------- 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 ----------------------------------------------------------- DTMGOP202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 316062 Posted On: 2025-06-21 Location: Ahmedabad, Gujarat, India

Role : Senior Credit Analyst Location : Kolkata Role Overview: We are seeking a seasoned Senior Credit Analyst to lead our credit analysis team. This role involves overseeing financial assessments, guiding analytical processes and ensuring comprehensive credit evaluations for our clients. Key Responsibilities: Team Leadership: Manage and mentor a team of associate credit analysts, fostering a collaborative and high-performance environment. Financial Analysis: Conduct in-depth analysis of balance sheets, profit and loss statements, cash flow statements and notes to accounts to assess financial health. Ratio Analysis: Evaluate key financial ratios, including liquidity, solvency and profitability to determine company strength and creditworthiness. Client Engagement: Engage with company promoters to gain insights into business operations and performance relative to industry benchmarks. Report Preparation: Guide the analytical team in preparing detailed rating notes, ensuring accuracy and compliance with industry standards. Rating Process Management: Oversee end-to-end interactions with rating agencies, ensuring timely and accurate completion of the rating process