Job Information Company Corpository Date Opened 05/13/2025 Job Type Full time Industry Financial Services City Gurugram State/Province Haryana Country India Zip/Postal Code 122002 About Us Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles. Job Description About the company: Accumn - a Yubi company, is India’s most advanced AI-first credit decisioning platform, integrating machine learning (ML) and generative artificial intelligence (GenAI) to empower credit managers with precise, data-driven tools for fair and transparent lending decisions. Formed through the strategic consolidation of Corpository and FinFort, Accumn offers a comprehensive suite of solutions to support the entire credit lifecycle—from lead generation and risk management to post-disbursement monitoring. With over 1 lakh active banking and credit users , Accumn has achieved a 66% reduction in credit processing time and boasts an 85% success rate in predicting defaults. The platform has over 5 lakh entities under credit monitoring . The company has been recognized for “Best Use of AI & ML Models for Credit Default Prediction” by Banking Frontiers and “Best Use of AI in Risk Evaluation” by Dun & Bradstreet. Visit www.hello.accumn.ai and www.go-yubi.com to learn more. About the Role: We are seeking a dynamic and results-driven Sales Director to drive our sales efforts in delivering innovative credit underwriting and risk assessment solutions to Banks/Fintech/NBFC/FIs. The ideal candidate will have extensive experience in sales leadership within the fintech, banking, or financial services industry, with a proven track record of driving revenue growth, building strong client relationships, and leading high-performing sales teams. The Regional Head will be responsible for developing and executing a strategic sales plan for South India (Southern Region), identifying key business opportunities, and driving the overall sales performance. This individual will work closely with our sales leadership, product, marketing, Tech teams and customer success teams to ensure that our solutions align with the evolving needs of the Financial services Sector. Education: Bachelor/master’s degree in business/ finance/economics or Chartered Account/CFA. Key Responsibilities: Develop and execute a comprehensive sales strategy to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Need to chalk out plan for sales target achievement on MTD, QTD, YTD basis. Identify and target new business opportunities, including generating leads, building relationships with key decision-makers, and creating tailored proposals to meet client needs. Build and maintain strong relationships with senior stakeholders/Decision makers, including Chief Risk Officers, Chief Credit Officers, Business heads of various banking verticals such as Business banking, Retail Banking, Wealth etc. Lead all phases of the sales cycle (end to end), right from initial prospecting/lead generation and relationship building to contract negotiation and deal closure. Work closely with internal teams/stakeholders to ensure the product offerings align with the specific needs of the customer. Provide feedback on market trends, customer requirements – our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties – create a win-win solution, while maintaining a focus on long-term relationships and mutual success. Track sales metrics and KPIs, providing regular reports to the executive team on sales performance, pipeline status, and revenue forecasts. Requirements What we look for: Minimum of 10+ years of sales experience in the fintech, banking, or financial services industry, with a focus on B2B sales of complex software or technology solutions. with at least 2 to 3 years focused on selling to Banks/NBFC or Fintech or BFSI segment in India. Proven track record of successfully selling FinTech solutions, preferably in the areas of credit underwriting & risk assessment, lending or financial services, to banks/Fintech or BFSI clients. Strong knowledge of the BFSI sector, the Forensics industry, with a deep understanding of the credit evaluation process. - including financial analysis and ratio analysis to check creditworthiness of any company/business. Well-versed in other key factors such as GST, external ratings, legal matters, and other related parameters that influence credit assessments. Sound Understanding of banks/NBFC/Fintech structure (verticals/segments), pain points, and decision-making structures with clear focus key decision makers. Excellent communication, presentation, with strong negotiation skills. Should be to influence decision making with internal & external stakeholders. Ability to navigate complex sales cycles and build relationships with senior-level stakeholders internally as well as within banks/NBFC/Fintech and its segments/verticals. Familiarity with the BFSI landscape in India, specifically credit risk assessment technologies and tools. Ability to travel as needed to meet with clients, attend industry events, and oversee business development initiatives.

Sales Manager – Hardware Channel Experience: 2-4 Years Locations : Ahmedabad Qualification: MBA AboutAristo India Pvt Ltd: Aristo India Pvt Ltd is a leading manufacturer and supplier of wardrobe shutters, furniture, and aluminium profiles, with a global presence across 14 countries. With a strong focus on design and sales, we are committed to delivering high-quality solutions to our customers. Role Overview:We are seeking a dynamic and results-driven Sales Manager – Hardware Channel to drive growth, expand our dealer network, and achieve sales targets. The ideal candidate will be responsible for developing and implementing sales strategies, managing dealer relationships, and ensuring revenue growth in the assigned territory. Key Responsibilities:• Sales & Business Development: Achieve monthly, quarterly, and annual sales targets by implementing effective sales strategies.• Dealer Management: Develop and execute dealer-level plans, onboard new dealers, and enhance engagement to expand the network.• Market & Territory Analysis: Analyze territory data, identify growth opportunities, and address gaps with targeted strategies.• Product & Promotional Strategy: Drive sales for core and high-priority products while implementing marketing strategies, including promotions, pricing, and distribution policies.• Client Relationship Management: Build and maintain strong relationships with dealers and business partners to ensure long-term business success.• Operational Excellence: Collaborate with internal teams to ensure product availability, resolve dealer queries, and provide necessary support.• Receivables & Credit Management: Ensure timely collection of receivables as per company norms and conduct periodic creditworthiness reviews.• Market Outreach & Events: Organize Mini Carpenter Meets (MCMs) and other engagement activities to drive secondary sales.• Reporting & Analytics: Provide detailed sales reports and market insights to senior management, offering strategic recommendations for growth.• Sales Process Management: Oversee the sales cycle from prospecting to successful closure while maintaining accurate records using CRM tools and Microsoft Excel. Required Skills & Qualifications:• MBA with 2-4 years of experience in sales and dealer management within the hardware, interior, or furniture industry.• Strong business acumen with expertise in B2B sales, dealer expansion, and revenue growth strategies.• Proficiency in CRM tools and Microsoft Excel for sales tracking and data management.• Excellent communication, negotiation, and relationship management skills.• Ability to analyze market trends and implement targeted sales initiatives.• Self-motivated, result-oriented, and capable of working in a fast-paced environment.

Key Responsibilities 1. *Credit Risk Assessment*: Evaluating creditworthiness, analyzing financial statements, and making informed decisions. 2. *Team Leadership*: Leading a team of credit professionals, providing guidance, and developing skills. 3. *Credit Policy Development*: Creating and implementing credit policies, procedures, and guidelines. 4. *Relationship Management*: Building and maintaining relationships with financial institutions, clients, and stakeholders.

Company DescriptionModer is a tech-forward outsourcing company founded in 2020, focusing on positively impacting the financial health of companies in the US mortgage, insurance, and banking industries. With offices in the US, India, and the Philippines, we offer end-to-end or component-based outsourcing solutions tailored to client needs. Role DescriptionThis is a full-time Senior Underwriter role at Moder located on-site in Chennai. The Senior Underwriter will be responsible for assessing and evaluating risk for mortgage, insurance, and banking processes. Day-to-day tasks include analyzing financial documents, determining creditworthiness, and making underwriting decisions. QualificationsStrong analytical and problem-solving skillsExperience in risk assessment and underwriting processesKnowledge of mortgage, insurance, or banking industriesAttention to detail and accuracy in decision-makingProficiency in financial analysis and reportingExcellent communication and interpersonal skillsBachelor's degree in Finance, Business Administration, or related field Minimum 2 years experienceE2E Underwriting, Income review, Collateral Underwriting, Non-QM underwriting Experience in Pre-purchase review, Origination, Due Diligence Interested can share resume @ Malathi.M@gomoder.com

Promote and sell personal loan products to potential and existing customers. Identify customer needs and recommend appropriate loan products. Process loan applications and ensure complete documentation. Verify applicant information and assess creditworthiness in coordination with credit teams. Maintain a strong relationship with customers and ensure post-sale services Achieve monthly and quarterly sales targets. Provide accurate information regarding loan terms, conditions, interest rates, and repayment schedules. Follow up with leads, referrals, and maintain records in CRM tools. Ensure compliance with regulatory and internal policies. Job Type: Full-time Pay: ₹13,000.00 - ₹16,000.00 per month Benefits: Health insurance Provident Fund Schedule: Day shift Morning shift Supplemental Pay: Performance bonus Work Location: In person

Location: ChennaiDepartment: Credit & Risk – MSME LendingEmployment Type: Full-timeRole Summary:We are looking for a detail-oriented Credit Analyst with 3 years of relevant experience in MSME lending. The ideal candidate will be responsible for assessing the creditworthiness of small and medium enterprises supporting sound credit decisions to enable responsible lending and portfolio growth. Key Responsibilities:Assess credit proposals for MSME clients by analyzing financials, bank statements, GST data, and bureau reports.Prepare comprehensive credit appraisal notes including risk assessment, financial analysis, and recommendation of credit limits/structures.Interact with clients, channel partners, and field officers to gather qualitative business and promoter-level insights.Perform due diligence checks, KYC verifications, and site visits (if required).Recommend appropriate credit solutions tailored to MSME needs and aligned with internal risk policies.Regularly monitor portfolio performance and track early warning signals (EWS).Maintain credit quality and ensure TAT (turnaround time) benchmarks are met for all proposals.Contribute to the refinement of credit policies, scorecards, and industry benchmarks for MSMEs. Required Qualifications & Skills:Graduate in Finance, Commerce, or Economics. MBA (Finance) / CA / CFA Level 1-2 preferred.Minimum 3 years of experience in credit analysis or underwriting within the MSME lending space (NBFCs, banks, or fintech).Strong understanding of financial statements, cash flow analysis, and working capital assessment specific to small businesses.Familiarity with credit bureau reports (CIBIL, CRIF, Equifax), GST data, and digital underwriting tools.Hands-on experience with Excel and financial modeling; CRM or LOS/LMS system knowledge is a plus.Good communication and interpersonal skills; ability to convey risk insights clearly to stakeholders.Preferred Attributes:Exposure to secured and unsecured MSME loan products (e.g., working capital loans, term loans, LAP).Understanding of various MSME segments like traders, manufacturers, and service providers.Field-level exposure or experience in underwriting in semi-urban/rural geographies is an advantage.

Job Requirements Job Description: Associate Relationship Manager-LAP at IDFC FIRST Bank Company Name: IDFC FIRST Bank Job Title: Associate Relationship Manager-LAP Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > Rural Banking > Assets > Mortgages Location: Rajim, Chhattisgarh 493885, India IDFC FIRST Bank is a leading financial institution in India, committed to providing innovative and customer-centric banking solutions. We are currently seeking a highly motivated and dynamic individual to join our team as an Associate Relationship Manager-LAP in our Retail Banking division. As an Associate Relationship Manager-LAP, you will be responsible for managing and growing the bank's loan against property (LAP) portfolio in the rural banking segment. You will work closely with the rural banking team to identify potential customers and offer them customized LAP solutions to meet their financial needs. Key Responsibilities Actively identify and acquire new customers in the rural banking segment for LAP products Build and maintain strong relationships with existing and potential customers Conduct thorough financial analysis and risk assessment of potential customers to determine their creditworthiness Present and explain LAP products and services to customers, addressing any questions or concerns they may have Collaborate with the rural banking team to develop and implement effective sales strategies Meet and exceed sales targets and contribute to the overall growth of the LAP portfolio Ensure compliance with all regulatory and internal policies and procedures Qualifications Bachelor's degree in Business Administration, Finance, or a related field Minimum of 2 years of experience in retail banking, with a focus on LAP products Strong understanding of rural banking and the LAP market in India Proven track record of meeting and exceeding sales targets Excellent communication and interpersonal skills Ability to work independently and as part of a team Proficient in MS Office and other relevant software applications Willingness to travel within the assigned region If you are a driven and results-oriented individual with a passion for rural banking and a strong understanding of LAP products, we want to hear from you! Join our team at IDFC FIRST Bank and take your career to the next level. Show more Show less

About ZET: At ZET, we believe that passion fuels those who shape the world. Our team is on a mission to make a real impact by driving financial inclusion and accessibility across Bharat. With over 500 million online users in underserved regions, we are building an ecosystem that connects consumers to trusted financial solutions that were once out of reach. Empowered by technology and trust, we are making financial services more affordable and within reach for the next billion Indians. Through our ZET platform (B2C), we focus on empowering individuals, especially those new to credit (NTC) or with low credit scores, to build and improve their CIBIL scores. One of our key offerings is the Magnet FD Credit Card, co-branded with SBM. The Magnet card plays a pivotal role in helping users from Tier 2, 3, and 4 cities boost their credit scores. By providing insights & solutions into their creditworthiness, consumers are empowered to make informed financial decisions, unlocking opportunities for loans, mortgages and greater financial stability. On our ZET Partner (B2B) platform, we connect communities in Tier 3 and 4 cities to a wide network of financial brands and credit products. By leveraging a trusted network of agents, we bridge the gap between consumers and top banks, making financial services more accessible and tailored to the specific needs of these underserved markets. In March 2022, we proudly raised $13M in our Series A funding, bringing our total funding to $18M. We’re fortunate to be backed by renowned investors like General Catalyst, Nexus, Sequoia Surge, Waterbridge, and other leading angel investors. What began in 2019 with just two people has now grown into a spirited team, united by a common mission to drive fintech innovation for Bharat.. Problems we are solving Lack of awareness - Consumers are unaware of the best financial solutions in the market. No proper medium - Fintech brands find it difficult to reach out to the right consumers in tier 2,3 & 4 cities. Trust deficit - Unlike an urban user, consumers from rural areas lack trust in modern fintech services & products. The rise of ZET April 2019, Founded by Manish Shara & Yash Desai August, 2020, Raised Seed Funding led by Waterbridge Ventures July 2021, Raised $5 M led by Sequoia’s Surge, Nexus Venture Partners & renowned Angel investors. March 2022, Raised $13M in Series A round led by General Catalyst & renowned Angel investors. Angel Investors who trust our mission Kunal Shah - Co Founder, CRED Kalyan Krishnamurthy- CEO Flipkart Harshil Mathur - Co Founder, Razorpay Vidit Aatrey - Founder & CEO, Meesho Sujeet Kumar - Co Founder, Udaan Lalit Keshre - CEO, GROWW Gaurav Munjal - Co-founder & CEO, Unacademy Aakrit Vaish - Co-founder & CEO, Haptik Jitendra Gupta - Founder, Jupiter Amrish Rau - CEO PineLabs Gokul Rajaram - Product & Business, Doordash Why ZET High-end Technology Make in India Accelerated Growth Build for next Billion users Fast pace & Innovation Opportunity to Thrive Responsibilities: Execute, monitor, implement and optimize performance marketing campaigns across Google Ads (including Search, Display, Retargeting, Discovery and YouTube Ads) and Meta Ads and other ad platforms to meet our business objectives and KRAs. Daily create, update, and maintain campaign performance tracking dashboards and reports and provide actionable insights to inform decision-making and drive continuous improvement. Collaborate closely with internal teams including Creative, Content and Data Analytics to ensure alignment of performance marketing initiatives with overall business goals. Also ensure performance marketing requirements & on time delivery from above teams. Communicate campaign performance insights and analytical recommendations to performance marketing manager in a clear and concise manner. Requirements: Knowledge of Meta ads manager, Google ads manager platforms handling for campaign creation as well as reporting Good analytical & critical thinking skills Hands on Knowledge of Microsoft Excel & G-suit ( Google sheet, Google document,Ppt etc. ) Excellent verbal and written communication skills with the ability to articulate complex ideas and strategies clearly and effectively. Ability to collaborate cross-functionally and work effectively in a team-oriented environment Proactive approach to problem-solving with a passion for staying updated on industry trends, emerging technologies and best practices in performance marketing and digital advertising. Accustomed to dealing with ambiguity in a fast-paced environment. What you learn Real-time exposure to performance marketing across various digital channels. Hands-on experience in campaign and budget management, performance analysis and reporting. The opportunity to work with a high-performing team and build practical knowledge of industry-standard tools and strategies. Job Types: Full-time, Internship Contract length: 6 months Pay: ₹23,000.00 - ₹25,000.00 per month Schedule: Day shift Experience: Meta Ads: 1 year (Required) Google Ads: 1 year (Required) Work Location: In person Application Deadline: 19/05/2025 Expected Start Date: 22/05/2025

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

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

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. Roles and Responsibilities: •In this role you are required to solve routine problems, largely through precedent and referral to general guidelines • Your expected interactions are within your own team and direct supervisor • You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments • The decisions that you make would impact your own work • You will be an individual contributor as a part of a team, with a predetermined, focused scope of work • Please note that this role may require you to work in rotational shifts Any Graduation

Lead Engineer, Data Engineering (J2EE/Angular/React/React Full Stack) Mumbai, India Information Technology 312490 Job Description 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: 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

Skill required: Procurement Operations - Procurement Operations Designation: Procurement Operations New Associate Qualifications: Any Graduation Years of Experience: 0 - 1 Year About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? 0-3 years of experience in Property & Casualty Underwriting or Policy Servicing across shared services/Third Party BPO service providers (Essential) Hands on experience of managing the one of the following tasks from the earlier experience from Insurance Underwriting Cycle - Policy Issuance, Premium Audit, Pricing Reading, Endorsement, Quote/Booking, Aggregation / Modeling, Contract Reading, Slip Processing, Benchmarking, Binders Processing, Submission, Declarations, Cancellations, Reinstatements, Insurance KYC. Define Insurance policy and calucating premium including terms and condition for Property The Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for? Good to have someone with experience in Re-Insurance Fac and Treaty business. You will be working within your team and direct supervisor. You will be provided detailed to a moderate level of instruction on daily work tasks and detailed instruction on new assignments and the decisions that you make that would impact your work. Assist with the issuance of quotes, binders, policies, endorsements, and cancellations within prescribed timelines. Requests individual policy filings as needed. Prepares policy writing instructions for Shared Services and premium billings. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Any Graduation Show more Show less

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD Business Financial Services HO Unit Aditya Birla Finance Limited Location Chennai Poornata Position Number of the job NA Reports to: Poornata Position Number 00115102 Poornata Position Title of the job (30 characters max) Area Credit Manager Reports to: Poornata Position Title Regional Credit Manager Function Risk Management & Compliance Reports to: Function Risk – Mortgages Department Risk – Mortgages Reports to: Department Risk – Mortgages Designation of the Employee Area Credit Manager Designation of the Manager Regional Credit Manager Date of writing/updation of JD 24 th Sep 2021 Job Purpos e: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters) To recommend proposals to RCM, ZCM, NRM, Credit Committee for decision on the case. To manage CPAs, Legal agencies, Technical agencies & verification agencies to facilitate the quick turnaround of credit lending proposals. The key responsibilities include initial screening of the proposal, thorough preparation appraisal of credit proposals with the required due diligence; co-ordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team,External agencies (legal, Technical, verification) &Regional Credit Manager for faster decisions; Assist business functions and Sr. Credit Analyst for decision of the case. Dimensions : Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number (Max 254 Characters) Unit Workforce Number (Max 254 Characters) Function Workforce Number (Max 254 Characters) Department Workforce Number (Max 254 Characters) Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Job Context & Major Challenges : Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ( (Max 3975 Characters) As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFG, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements. The Risk & Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL. Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put upto to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs. The Risk & Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams. The Mortgage Lending Division caters to the short term and long term funding needs of the Institutional as well as retail clients across the country. The product portfolio includes Loan against property, Lease rental discounting, home loans, Construction Finance, Structured Finance & Real Estate Investment products (NCDs). The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFD, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements Both risk and credit functions are combined in the Mortgage product and are performed by the same team of credit analysts across all locations which not only includes Independent assessment of Credit and risks associated with proposal but also identifying & accepting the mitigants for going ahead with the transaction . Loan proposals are critically analyzed from credit risk& property risk perspective for further decision at the local / Regional / National levels within the respective authorities & recommended to the Credit Committee for approval if beyond purview of the respective authorities. Credit Risk & compliance carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. It also carries out over due loan recovery from defaulting clients in coordination with Business Teams. The Credit Analyst is an integral part of the Risk & complianceand is responsible for analyzing the proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team for faster decisions to improvise TATs of the overall sanction process. The Credit Analyst also manages CPAs who do the processing and the basic data entry of the files & he also has to liaise with the verification agencies, technical agencies and Legal agencies to ensure that the property risk & customer risks are managed. The major challenges to this profile include Availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements. Ensuring faster TATs in a highly competitive & dynamic market conditions and scale of operations due to voluminous retail transactions as well as structured high value deals. Liasing with external agencies (legal, Technical, verification) to ensure that crdit risk, customer risk & property risk are all mitigated. Cross functional coordination to enable timely approval of credit proposals. Pro- active monitoring and regularization of sticky accounts as well as pending documents. Self updation on economic / sectoral changes in the economy Seamless co-ordination with multiple internal and external entities The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network. Profile also requ ires good interpersonal skills due to high cross functional engagement not only internal teams and stake holders but also with external agencies. The role also calls for team management and man-management skills as the Sr. Credit Analyst needs to co-ordinate with various people to achieve his job objectives. The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 0-4yrs of experience in credit and risk functions of Banks/NBFCs. Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas ( Max 1325 Characters) Supporting Actions ( Max 1325 Characters) To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. To submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. Ensuring no loss of revenue – by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans.Ensuring proper mortgage is created in favour of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. To monitor the existing portfolios based on designed formats and parameters To monitor the Mortgages portfolio performance by continual analysis of changes in fundamentals & reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector To monitor the overdue position and take appropriate steps to support the recovery process for the same. Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents. Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals. To maintain network with other financial institutions and able to take independent local industry references for customers if required To adhere to compliance policies in proposal evaluation To ensure that each proposal complies with credit policies; internal & external norms of lending To be involved in continual revision of credit norms by giving requisite inputs to the management To support development of new credit policies and evaluation norms To ensure compliance with robust documentation mechanism To maintain thorough documentation process for effective tracking of proposal documents and TAT monitoring To prepare regular MIS for areas under risk management and give presentation to various stakeholders To prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle & send them to the team leader/CRO Job Purpose of Direct Reports : Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) NA Relationships : Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type ( Max 80 Characters) Frequency Nature ( Max 1325 Characters) Internal Head Credit, Risk & compliance Regional Credit Manager Mortgages Credit Analyst / CPA Sales team Operations dept Other support functions Weekly Daily Daily Daily Daily MIS, intimation in cases requiring management intervention Recommendations on loans, ongoing portfolio/client reviews, documentation audits MIS, intimation on major shortfall/skips/defaults in portfolios Client servicing issues, Mortgage creation, Disbursal completion Business discussions for smooth operations External Clients Auditors/ Lawyers/ Valuers/ FI & Fraud Containment Agencies All proposal daily/ alternate day Need based Daily CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings CRM, understanding the market pulse of new initiatives etc Ensuring proper Credit and Business discussions for smooth operations Organizational Relationships : Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to – Manager Name Signature (needed for the hard copy)

Company Description Aye Finance, headquartered in Gurgaon, is a new-age finance company providing business loans to small and micro enterprises across India. Since 2014, we have been focusing on this under-banked segment while maintaining high credit quality standards. Aye Finance aims to facilitate better financial inclusion by leveraging technology and automation. We believe in creating transformative social impact by supporting small and micro businesses. Our team combines sound business practices, a deep understanding of micro-enterprises, and a passion for socio-economic growth. Role Description This is a full-time Credit Officer role at Aye Finance Ltd. located in Dhenkanal. The Credit Officer will be responsible for assessing the creditworthiness of small and micro enterprises, managing credit and finance operations, and analyzing financial data. This role also involves effective communication with clients to understand their financial needs and provide suitable loan solutions. Qualifications Credit Management and Credit skillsStrong Analytical Skills and Finance knowledgeEffective Communication skillsBachelor’s degree in Finance, Accounting, Business Administration, or related fieldProven experience in the credit management or financial sectorAttention to detail and strong decision-making abilitiesAbility to work both independently and as part of a team

About the Company and 'Role/Position' Overview : A leading Corporate Financial Institution is hiring a highly motivated, seasoned and accomplished individual as "CREDIT FUND MANAGER - CAT2-AIF" at MUMBAI - Andheri (E). The company provides best-in-class Wealth Management Solutions and Inter Corporate Deposits to High Network Individuals, large and mid corporate groups and institutions with expertise in structure products, investment & providing mezzanine financing to corporate in need for their short term working capital need. The individual identified and selected for the above-mentioned role will be a 'key member' and shall be responsible and accountable for the below mentioned tasks and responsibilities in an ‘Individual Contributor (IC)’ role reporting directly to the Management team. Key Responsibility Areas (KRAs) : Credit Analysis & Under-writing - Evaluating the creditworthiness of potential investments, including analyzing financial statements, industry trends, and economic factors. The individual in the above-mentioned role will monitor the performance of the credit portfolio, identifying potential risks, and making adjustments to the portfolio to optimize returns and mitigate risk.Debt & Loan EvaluationManaging a portfolio of credit-based assets, ensuring optimal returns while mitigating risk. This includes analyzing creditworthiness, managing risk, and making investment decisions within a defined framework. He/she will also develop and implement credit risk management strategies, contributing to the overall investment strategy.Investment Strategy Development & Market Analysis - The ‘Credit Fund Manager - CAT2-AIF’ will be responsible for 'Sourcing & Analysing deals', creating and executing investment strategies that align with the fund's objectives, considering market conditions, economic trends, and client needs.Portfolio/Fund Management - He/She will manage the fund's assets, making investment decisions, monitoring performance and making necessary adjustments to optimize returns, ensuring alignment with the fund’s goals and objectives.Investment Decisions - Making investment decisions based on thorough analysis and risk assessment, aligning with the fund's investment strategy and risk appetite.Risk Management - The individual in the ‘Fund Manager’ role will assess and manage risks associated with investments, ensuring the fund's capital is protected and that investment goals are achieved through diversification and strategic decision-making.Compliance Oversight & Reporting - Ensure all investment activities comply with regulatory requirements and internal and external policies & regulations; and providing regular reports on portfolio performance & risk management activities.Performance Reporting - Prepare detailed reports on fund performance and present findings to senior management and clients.Team Collaboration - Work closely with analysts, traders, and other stakeholders to inform investment decisions.Client Communication - Provide regular updates/reports to clients regarding portfolio performance & market conditions.Client Relationship Management - Build and maintain relationships with clients, including regular communication and reporting on portfolio performance. Preferred candidate profile : # Bachelor's or Master's degree in Finance, Economics or a related field.# Should have prior experience of 5 to 8+ years from Banking & Credit Rating Agency in credit analysis, risk management and portfolio management as a 'CREDIT FUND MANAGER' specializing in 'AIF - CAT2' products in a reputed asset management company (AMC).# Deep understanding of credit markets, risk assessment, and financial regulations.# Strong analytical and financial modeling skills.# Knowledge of credit products, credit risk management, and regulatory compliance.# Leadership and team management skills.# Excellent communication and interpersonal skills.# Relevant professional certifications (e.g., CFA, FRM) and others, as applicable. Compensation : Will not be a constraint for the right candidate.

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.