672 Creditworthiness Jobs - Page 17

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Senior Analyst Qualifications: BCom Years of Experience: 5 to 8 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. Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Good Communication Roles and Responsibilities: •In this role you are required to do analysis and solving of increasingly complex problems • Your day to day interactions are with peers within Accenture • You are likely to have some interaction with clients and/or Accenture management • You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments • Decisions that are made by you impact your own work and may impact the work of others • In this role you would be an individual contributor and/or oversee a small work effort and/or team • Please note that this role may require you to work in rotational shifts BCom

Customer Consultation: Engage with customers to understand their financial goals and lending needs, guiding them through the loan application process for secured loans Loan Origination: Evaluate loan applications, gather necessary documentation, and assess the value of the collateral to determine the eligibility and creditworthiness of applicants Product Knowledge: Maintain a deep understanding of the bank's secured loan products, interest rates, terms, and conditions, ensuring accurate and up-to-date information is provided to customers Risk Assessment: Conduct thorough risk assessments by analyzing credit reports, income verification, and collateral valuation to mitigate potential lending risks Compliance: Adhere to all relevant banking regulations, policies, and procedures to ensure compliance with internal and external guidelines Relationship Building: Build strong and lasting relationships with clients, offering exceptional customer service to foster loyalty and repeat business Cross-selling: Identify opportunities for cross-selling other banking products and services that align with the customer's financial needs, such as insurance, investment options, and savings accounts Achieve Targets: Meet individual and team targets related to loan origination, loan quality, and customer satisfaction Documentation: Prepare accurate and complete loan documentation, ensuring all legal and regulatory requirements are met Market Research: Stay informed about industry trends, competitor offerings, and changes in the secured loan market, providing insights and recommendations to improve the bank's product portfolio Qualifications and Skills: Bachelor's degree in finance, business administration, or a related field is preferred Proven experience as a Loan Officer or a similar role in the banking sector, with a focus on secured loans, is advantageous Strong understanding of secured loan products, lending principles, and credit risk assessment Excellent interpersonal and communication skills, with the ability to explain complex financial concepts to customers clearly Analytical mindset with attention to detail for accurate risk assessment and loan evaluation Customer-centric approach, demonstrating empathy and problem-solving skills to meet customer needs effectively Familiarity with relevant banking regulations and compliance requirements Proficiency in using banking software and systems for loan origination and documentation Sales-oriented mindset to achieve loan origination targets and identify cross-selling opportunities Ability to work independently and collaboratively within a team-oriented environment Job Types: Full-time, Fresher Pay: ₹400,000.00 - ₹600,000.00 per year Benefits: Health insurance Life insurance Provident Fund Schedule: Day shift Morning shift Supplemental Pay: Performance bonus Quarterly bonus Yearly bonus Education: Bachelor's (Required) Experience: total: 1 year (Required) Language: English (Required) Gujarati (Required) Work Location: In person

Currently we are hiring Credit Research Analyst (Fixed Income & Bond) for NBFC Industry. Role : Credit Research Analyst (Fixed Income & Bond) Experience : 1-6 Years Industry Preferred : NBFC - Fintech - Financial Services Location : Mumbai About Company: With a combined asset under management of around Rs. 20,600 crore, it is one of the top non-banking financial companies (NBFCs) listed on the BSE and NSE. Together with its 100% subsidiary, it primarily lends to high-growth industries, including housing finance, construction finance, gold loan, and MSME loan. Research and Analysis: Researching and analyzing fixed income products, such as bonds, treasuries, and other financial instruments, in-depth. Market Trends: Keeping an eye on central bank policies, market developments, and economic variables that affect international bond markets. Credit Risk Assessment: Evaluating issuers' creditworthiness and determining the fixed income securities' credit risk. Investment Recommendations: Creating and offering research- and analysis-based investment suggestions, possibly aiding in the creation of a portfolio. Reporting and Communication: Working with other teams, succinctly explaining complex financial information, and creating reports and presentations for high management. Interested candidate share your CV on mansi@thepremierconsultants.com #creditresearchanalysis #researchanalyst #fixedincome #bond #debt #dcm #debtcapitalmarket #opportunity #markettrends #creditriskassessment #investmentrecommendations #reporting #communication #treasuries #fintech #financial #financialservices #urgent #hiring #mumbai # Show more Show less

Company Description Aditya Birla Housing Finance Limited (ABHFL), a subsidiary of Aditya Birla Capital Limited, is a fast-growing housing finance company in India. ABHFL offers a wide range of housing finance solutions to enable customers to own their dream homes. With a nationwide reach and strong presence, ABHFL is committed to providing innovative financial services. Role Description This is a full-time on-site role for a Credit Manager located in Jhansi. The Credit Manager will be responsible for managing credit operations, assessing and mitigating credit risks, and ensuring compliance with financial regulations. The role will involve analyzing credit data, developing credit strategies, and overseeing the credit approval process. Qualifications Credit Management and Credit Risk Management skills Strong Analytical Skills Background in Finance Knowledge of Credit principles Experience in assessing creditworthiness Bachelor's degree in Finance, Accounting, or related field Professional certification in Credit Management is a plus Show more Show less

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. Position: Sales Director – Growth (Regional Head South) Location: Bangalore/Chennai Mode of working: Work from office, Frequent travel. 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. 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. Show more Show less

Job Title: Associate Relationship Manager (ARM) Inclusive Finance Institution (Credit Analyst in Business Team) Department: Inclusive Finance Institution (IFI) Grade: Senior Manager / Associate Vice President (AVP) Location: Mumbai / Delhi Position Purpose The Associate Relationship Manager (ARM) is responsible for supporting and strengthening asset and liability relationships within the Inclusive Finance Institution (IFI) segment. The role involves monitoring portfolio quality, conducting detailed credit assessments, managing client onboarding and documentation, and contributing to the achievement of portfolio and revenue goals with optimal turnaround time (TAT). The IFI segment caters to small and mid-sized NBFC-MFIs (microfinance), as well as NBFCs engaged in affordable housing, MSME, vehicle loans, gold loans, education finance, and other financial services. Key Responsibilities Credit Assessment and Client Engagement: Conduct in-depth assessments of client businesses, promoter backgrounds, and industry dynamics to evaluate creditworthiness. Prepare and present credit proposals for products such as long-term loans, working capital loans, and foreign currency loans, incorporating financial, risk, business model, and liquidity analyses. Work closely with the Relationship Manager to present proposals to the appropriate credit committee and structure suitable financial solutions for clients. Engage with clients directly to understand business needs, enabling better credit structuring and identifying cross-sell opportunities. Promote a broad suite of banking products including fixed deposits, salary accounts, APIs, and retail offerings, aligning with the One Bank approach. Documentation and Onboarding: Collaborate with internal teams including Credit, Compliance, Credit Administration (CAD), Legal, Treasury, and Branch Banking to facilitate seamless client onboarding and servicing. Ensure timely and accurate documentation in line with internal policies and regulatory standards. Portfolio Monitoring and Risk Management: Monitor portfolio quality through regular client reviews and timely identification of early warning signals or signs of stress. Track utilization of sanctioned limits, resolve compliance issues, and proactively manage portfolio risks. Qualifications And Requirements MBA-Finance from a premier institution or Chartered Accountant (first attempt) Skills And Competencies The ideal candidate should possess strong credit writing skills with the ability to comprehensively address all relevant credit and risk-related aspects. A sound understanding of NBFC operations, RBI regulatory frameworks, basic banking products, and macroeconomic and industry trends is essential. Familiarity with credit underwriting and financial structuring will be a key asset. Effective verbal and written communication, including proficiency in report writing and presentation, is vital. The candidate should demonstrate a proactive and self-driven attitude, a high degree of ownership and accountability, and strong analytical thinking. The role also demands strong interpersonal skills for client engagement and coordination with internal stakeholders. A collaborative mindset, problem-solving ability, and the capacity to manage complex tasks across teams are critical for success. Key Success Factors Deep understanding of credit assessment and structuring Analytical and problem-solving capabilities Ability to work collaboratively and influence outcomes across teams (ref:iimjobs.com) Show more Show less

Credit analyst - LAS Key Responsibilities Financial Analysis: Conduct comprehensive financial analysis, including review of financial statements, cash flow, and other financial metrics to evaluate the creditworthiness of individuals and businesses. Credit Evaluation: Lead the evaluation of credit applications by performing in-depth risk assessments, recommending appropriate credit limits and terms. Industry Research: Stay abreast of industry trends, market conditions, and regulatory updates to inform credit risk decisions. Credit Risk Management: Prepare and present credit reports and risk assessments to senior management, aiding in strategic decision-making. Compliance: Ensure all credit approvals and decisions comply with internal credit policies and regulatory standards. Collaboration: Work closely with cross-functional teams, including credit, relationship management, and risk departments to streamline credit processes and ensure efficiency. Key Requirements Educational Qualifications: Chartered Accountant (CA), preferably 1st attempt Financial Acumen: Strong expertise in financial statement analysis, accounting principles, and financial ratios. Analytical Skills: Advanced analytical skills with the ability to assess complex financial health and associated risks. Attention to Detail: Keen attention to detail with the ability to identify discrepancies and mitigate risks proactively. Communication Skills: Excellent written and verbal communication skills to clearly present financial data and credit recommendations. Technical Proficiency: High proficiency in Microsoft Excel and other financial analysis tools. Leadership & Teamwork: Proven ability to lead credit assessments and work collaboratively with cross-functional teams to drive business results. (ref:iimjobs.com) Show more Show less

Job Title: Credit Manager - Corporate Banking (Large Corporate Segment) Experience Required: 8 to 12 Years (Candidates with 4-7 years may be considered for a junior role) Industry: Banking & Financial Services Client: Private Sector Bank Role Overview We are looking for a highly motivated and experienced Credit Manager to join the Corporate Banking Division, focusing on the Large Corporate Segment. The ideal candidate will be responsible for independently assessing, structuring, and recommending credit proposals, ensuring adherence to risk and compliance frameworks, and supporting business growth through sound credit judgement. Key Responsibilities Credit Analysis & Risk Assessment: Independently analyze and evaluate the risk of new credit transactions and renewal proposals for large corporate clients. Understand and assess the customer's business model, industry dynamics, and long-term sustainability. Analyze historical and projected financial statements to determine the financial soundness and creditworthiness of the borrower. Identify key credit and operational risks and suggest appropriate risk mitigants. Evaluate alternate credit structures to ensure risk-adjusted returns and recommend optimal structuring. Credit Structuring & Recommendation Recommend actions to be taken on credit proposals, including pricing, terms, and risk grading. Ensure credit facilities are properly risk-rated and aligned with internal credit policies and regulatory guidelines. Identify and communicate information requirements and key issues in credit assessments clearly to stakeholders. Stakeholder Management & Communication Collaborate closely with Relationship Managers, Risk, Legal, Compliance, and Operations teams to facilitate deal execution and monitoring. Serve as a key contact point for internal and external stakeholders related to credit matters. Personally develop and maintain strong working relationships across teams. Process Improvement & Leadership Lead or independently handle business-critical projects aimed at improving credit quality, turnaround time, or risk management frameworks. Identify inefficiencies in credit processes and proactively implement improvements. Provide guidance and support to junior credit officers, acting as a resource and mentor. Governance & Compliance Ensure adherence to internal credit policy, regulatory norms, and audit standards. Meet assigned timelines for credit processing and ensure documentation and record-keeping requirements are in place. Demonstrate strong ownership and accountability for allocated work and credit decisions. Candidate Profile 8 to 12 years of relevant experience in credit underwriting, financial analysis, and risk evaluation in a corporate or commercial banking setup. Candidates with 4-7 years of experience may be considered for a junior role. Strong analytical and financial modeling skills; ability to interpret complex financial statements and industry trends. In-depth understanding of banking products, credit structuring, and regulatory environment. Sound judgement, attention to detail, and ability to work independently with minimal supervision. Strong interpersonal skills and ability to communicate effectively across levels and functions. Educational background in Finance, Commerce, Economics, or related fields. MBA (Finance), CA, or CFA preferred. Why Join Be part of a high-impact team that plays a critical role in credit decisions for large corporates. Opportunity to work in a dynamic, performance-driven environment with leadership exposure. Lead strategic initiatives and projects that shape the credit function and risk management framework. (ref:iimjobs.com) Show more Show less

Location – 2-3 days work from Office Only Hyderabad Location Timing- 2nd Shift 2-11 PM Job Type – Contract For Client Experience- 2-4 Year Job Description- Key Responsibilities: Order Processing And Management Accurately process customer orders in the system. Ensure orders comply with company policies and customer agreements. Coordinate with cross-functional teams for timely delivery. Invoicing Generate and submit invoices to clients accurately and timely. Handle invoice adjustments or credit memos when required. Cash Application Apply customer payments to corresponding invoices. Ensure accurate reconciliation between accounts receivables (AR) and cash received. Investigate and resolve discrepancies in payments (e.g., underpayments, overpayments). Credit Management Review credit terms and limits for new and existing contracts. Ensure adherence to the credit policies. Assess customer creditworthiness and recommend adjustments when necessary. Collection And Dispute Management Follow up on overdue payments and manage collections. Escalate unresolved payment issues to the appropriate teams. Address customer disputes related to invoices, deliveries, or pricing. Facilitate timely resolution of disputes. Dispute Resolution Analyze, investigate, and resolve financial disputes related to payments, billing errors, chargebacks, PO related disputes, or any other transactions. Communicate effectively with clients and stakeholders to resolve disputes promptly. Collaborate with internal teams and clients to gather data and documentation required for dispute resolution. Root Cause Analysis Identify patterns and root causes of recurring disputes. Recommend process improvements and implement corrective actions. Leverage automation and technology tools to optimize dispute resolution processes. Stakeholder Management Act as the main point of contact for dispute-related queries from clients, internal teams, and external parties. Build relationships with stakeholders to facilitate efficient dispute resolution. Reporting And Analysis Prepare reports on dispute management activities, including key metrics such as resolution time, dispute volume, and trends. Provide insights and recommendations to improve operational performance. Process Improvement Leverage automation and technology tools to optimize dispute resolution processes. Recommend and develop enhancements to dispute management workflows to improve efficiency and resolution time. Qualifications In-depth knowledge of financial processes, including billing, payments, and reconciliation. Strong analytical and problem-solving skills. Extensive abilities to communicate, facilitate, and present cogently to all levels of industry audiences, clients, and internal staff and management. Proficiency in utilizing software to analyze reports and draft summary reports, such as Microsoft Office and other related firm-issued tools. Familiarity with dispute management and cash application software and other financial tools (e.g., SAP/Business Objects, PeopleSoft, Salesforce, Blackline, Oracle, HighRadius, etc.). Experience Level: 2-4 years of relevant experience in order processing, invoicing, cash application, credit management, or dispute resolution. Click here to apply Apply here Job Category: Order Processing and Dispute Resolution Specialist Job Type: Contract Job Location: Hyderabad Apply for this position Full Name * Email * Phone * Cover Letter * Upload CV/Resume *Allowed Type(s): .pdf, .doc, .docx By using this form you agree with the storage and handling of your data by this website. * Show more Show less

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Senior Analyst Qualifications: BCom Years of Experience: 5 to 8 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. Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Good Communication Roles and Responsibilities: In this role you are required to do analysis and solving of increasingly complex problems Your day to day interactions are with peers within Accenture You are likely to have some interaction with clients and/or Accenture management You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments Decisions that are made by you impact your own work and may impact the work of others In this role you would be an individual contributor and/or oversee a small work effort and/or team Please note that this role may require you to work in rotational shifts BCom 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 Unit Aditya Birla Finance Limited Location Poornata Position Number of the job Reports to: Poornata Position Number Poornata Position Title of the job (30 characters max) Area Sales Head Reports to: Poornata Position Title Regional Sales Head/Cluster Sales Head Function Sales Reports to: Function Sales Department Retail LAP - Tier 1 DSA Channel Reports to: Department SME Designation of the Employee Area Sales Head Designation of the Manager Regional Sales Head/Cluster Sales Head Date of writing/updation of JD 20 th Nov 2023 Job Purpose : Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) To set business objectives for area in line with the Retail LAP Tier 1 business unit objectives of book size, profitability, MIS & portfolio management, team building etc.; to devise business strategies for Area wise achievement of business objectives and to execute the SME business’ distribution strategy by managing Retail DSA Channel Partners . To ensure the end-to-end management of SME transactions with superior product delivery and to monitor the credit quality of new acquisitions 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 Retail LAP - Tier I Parameters Measurement Unit Last Year Current Year (LE) Next Year (Proj) FY 22-23 FY 23-24 FY 24-25 Closing Book Amt In Cr 6,048 7,800 10,700 No. of Customers (Lan) Count 5,300 6,500 9,000 Disbursement Amt In Cr 3,525 4,000 4,500 Locations/Branches Count 40 55 70 Revenue-(NII + Fee Income ) Amt In Cr 272 327 375.0 PBT Amt In Cr 191.6 226.0 255.0 PAT Amt In Cr 143 168 189 CIR % 33.4% 31% 31% ROA % 2.72% 2.55% 2.50% ROE % 18.15% 19.50% 19.00% Insurance –Xsell Net Amt In Cr 15.0 20.0 27.5 Quality/GNPA % 183 165 150 Bounce % % 16.0% 13% 11% Sales + Collection + Support (Head Count) Count 160 225 275 DSA’s & Vendor Count 1,750 2,250 2,500 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) Aditya Birla Finance Limited ("ABFL"), a lending subsidiary of Aditya Birla Capital Limited is among the leading well-diversified non-banking financial services company in India. ABFL offers customized solutions in areas of personal finance, SME finance, SME finance, corporate finance, wealth management, debt capital markets and loan syndication. ABFL is registered with RBI as a systemically important non-deposit accepting non-banking finance company (“NBFC”) and is amongst the top five largest private diversified NBFCs in India based on AUM. For the FY ended 31st March 2023, ABFL has a book size of Rs. 66,923 Crores, net PAT of Rs 1287 Crores and net worth of 7,784 crores. The Net Interest Margin expanded by 53 bps y-o-y to 7.35% and ROA at 2.47%. ABFL’s long-term credit rating of AAA (Stable) has been reaffirmed by ICRA in February 2023. ABFL also has a long-term credit rating of AAA (Stable) by India Ratings, Perpetual debt credit rating of AA+ (Stable) by ICRA and AA+ (Stable) by India Ratings (Stable) and short-term credit rating of A1+ by ICRA & India Ratings. SME caters to the varied needs of a diverse set of customers across retail, HNI, ultra HNI, Micro, Small & Medium enterprises. It encompasses a wide variety of financing solutions for clients, ranging Loan against property, to more complex Lease Rental discounting, Commercial Purchase and Construction Finance lending. Financing solutions are provided to Self-Employed [professionals/ non-professionals] against a wide array of lending programs, each of which aims to estimate the client’s repayment capability accurately before the company to take an exposure. The lending program requires assessing clients on various dimensions, including income, repayment behavior, stability of income/ residence, profile, collateral [valuation, marketability], ownership structure of business and the property and many others. Loan approvals entail a good mix of profile checks, balance sheet lending and collateral assessment. An in-depth understanding of the customer’s business model, Cash flows, customers & suppliers, success factors and dependencies needs to be considered given these are long term exposures [ranging upto 15 years]. The financials are assessed to understand the repayment capability in the near and long term. Collateral assessment is another complex part of the underwriting process involving checking the structural stability, marketability, valuation, regulatory / local body compliance and legal veracity – all to ensure the property can be liquidated to repay the loan if required in case of customer default. Lending is often structured to meet the client needs by deriving comfort through the hard collateral [can be a ready or under-construction property / project] and cash flows [in form of rentals, or project cash-flows – both against sold/ unsold receivables]. For the FY ended 31st March 2023 , SME is significant contributor to ABFL’s Portfolio (35% of ABFL Book Size) with a closing book of 23,133 crs SME has been delivering all-time high PBT of almost 563.3 crs and has posted 3.04% of ROA for FY23 SME has moved into segmented strategy model with further focus on client types considering their different complexities and expectations In Retail LAP – Tier 1 Business , robust & tiered distribution network has been put in place to expand retail footprint of SME Business to More than 75 locations across pan India with key intent to add to the Topline numbers and create a sizeable and profitable at the same time quality Portfolio. To bring in more focus on distribution and channel engagement we propose the following structure wherein Tier 1 is divided into 2 verticals: Alternate Channel Business which will source from Corporate channels and 2. Retail Channel which will source from Non-Corporate channels For the FY ended 31st March 2023 , Tier I has been significant contributor to SME Portfolio (26% of SME Book Size) with a closing book of 6,048 crs Tier I had also delivering all-time high PBT of almost 192 crs and has posted 2.7% of ROA for FY23. Being one of the most preferred asset classes in the lending business today, this business continues to present challenge of competing with all FI’s / Banks in a highly price sensitive target segment. Key Challenges Retail LAP – Tier I as a business faces a lot of competition from Banks, other NBFCs and Fintechs which has been intense, dynamic and ever changing considering the entry of new players in the market. Managing factors like technological advancements, changing regulations, and evolving consumer behavior Strongly imbibe the ethical way of business & drive Aditya Birla Group’s Vision & values to each and every one in the team. Develop robust processes across Credit, operations, Collections & legal. Manage profit & loss, manage portfolio, customer, customer portfolio, customer life-cycle to maintain a clean Book growth and hygiene. Spearhead & launch many campaigns to drive the business in respect to Distribution, support functions & keep the spirit & morale high for the team while imbibing the ethical way of business & drive Aditya Birla Group’s Vision & values to each and every one in the team. Manage and Monitor employee productivity and foster employee development To ensure manpower is in place to execute the desired business plan. Setting up robust, comprehensive and scalable Governance frameworks for identifying and managing risk. 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) Deliver Sales growth at the location and expand the customer base Identify business growth opportunities across the location, build direct/Retail DSAs channel/ new client acquisition strategies and tap growth opportunities to achieve area targets Augment the business volumes of SME lending in the location, manage client databases and tap them through Relationship Managers. Drive relationships with key clients, faster TAT and cross selling initiatives in order to increase the client base of the Area. Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the areas. Analyze product positioning and competition across the locations and develop the distribution network Scan the location market and its competitive offerings on a periodic basis, report on emerging trends and business opportunities for the SME segment to the head office Engage with retail DSA channel partners and develop a touch point management system for faster customer connectivity Conduct engagement programs and sales trainings to develop channel partners Monitor SLAs, sales efficiencies and RoIe of channels Effectively deploy schemes and prioritize sales of high revenue products and structures Drive high levels of customer satisfaction across the location through relationship managers Monitor client servicing metrics, develop relationship marketing programs and motivate RMs and channel partners to display highest levels of client servicing standards Encourage the implementation of improved processes and best practices in order to enhance operational productivity Engage with key customers on a periodic to build stronger relationships, thereby contributing to faster growth Monitor customer issues and complaints and drive necessary action to address the same Analyze and communicate information for better risk management and operational effectiveness to the management team Support the risk and review process by supervising the preparation of loan proposals and documentations to ensure controlled operations for the locations Liaise with the customers and the Risk team to provide regular information required for monitoring the creditworthiness of the proposals Prepare periodic MIS reports for profits, NPAs, new clients & report on a periodic manner to Cluster Area/Regional Heads. Team Management & Development Guide and develop RMs to facilitate better customer acquisition, retention and support, and helping them to achieve superior performance standards Nominate teams for product, behavioral and negotiation trainings and work for self development initiatives Job Purpose of Direct Reports : Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) Relationship Manager - To effectively contribute towards building the SME line of business and loan book by marketing/ selling all products (LAP/LRD) and solutions to potential and existing customers at targeted yields and fee through a strong distribution network, identified and empaneled able retail DSA Channel partners through knowledge sharing and capability building. Leverage an understanding of local markets and preferences and facilitate structuring of loans in accordance, while ensuring all necessary due diligence is conducted to prevent fraudulent loans and ensure all sales processes are carried out in keeping with internal and regulatory guidelines. 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 Cluster Head Relationship Managers HO HR dept Risk dept Operations dept Weekly Daily Weekly Need based Fortnightly Weekly Region business MIS, review on new market development Reviewing new leads generated & new clients developed MIS Region recruitments, performance reviews Providing market intelligence, MIS on deviations in client accounts Client servicing issues External Existing and Prospective clients Retail DSA Channel partners Daily Daily/ weekly CRM & understanding the need of new products Product and business development initiatives 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) Show more Show less

Line of Service Advisory Industry/Sector Not Applicable Specialism SAP Management Level Senior Associate Job Description & Summary At PwC, our people in business application consulting specialise in consulting services for a variety of business applications, helping clients optimise operational efficiency. These individuals analyse client needs, implement software solutions, and provide training and support for seamless integration and utilisation of business applications, enabling clients to achieve their strategic objectives. As a SAP consulting generalist at PwC, you will focus on providing consulting services across various SAP applications to clients, analysing their needs, implementing software solutions, and offering training and support for effective utilisation of SAP applications. Your versatile knowledge will allow you to assist clients in optimising operational efficiency and achieving their strategic objectives. *Why PWC At PwC, you will be part of a vibrant community of solvers that leads with trust and creates distinctive outcomes for our clients and communities. This purpose-led and values-driven work, powered by technology in an environment that drives innovation, will enable you to make a tangible impact in the real world. We reward your contributions, support your wellbeing, and offer inclusive benefits, flexibility programmes and mentorship that will help you thrive in work and life. Together, we grow, learn, care, collaborate, and create a future of infinite experiences for each other. Learn more about us . At PwC , we believe in providing equal employment opportunities, without any discrimination on the grounds of gender, ethnic background, age, disability, marital status, sexual orientation, pregnancy, gender identity or expression, religion or other beliefs, perceived differences and status protected by law. We strive to create an environment where each one of our people can bring their true selves and contribute to their personal growth and the firm’s growth. To enable this, we have zero tolerance for any discrimination and harassment based on the above considerations. Responsibilities: · Order Management: Managing sales orders, including creation, modification, and tracking. · Pricing and Billing: Handling complex pricing structures and generating invoices. · Shipping and Delivery: Managing the clinical aspects of getting goods to customers. · Credit Management: Evaluating customer creditworthiness and managing credit limits. · Returns Management: Processing returns and managing credits/debit memos. · Customer Service: Managing service notifications, warranties, and repair orders. · Integration with other SAP modules: Seamlessly integrating with MM, FI, PP, and other modules. · Reporting and Analytics: Providing sales-related reports and analytics for better decision-making. Benefits of using SAP SD: · Improved Customer Service: Streamlined processes and real-time information allow for better customer service. · Enhanced Efficiency: Automated processes and integrations reduce manual effort and errors. · Better Inventory Management: Accurate order information and availability checks help optimize inventory levels. · Stronger Financial Control: Accurate billing and integration with FI ensure proper financial recording. · Global Reach: Supports international sales and distribution operations. Mandatory skill sets: SAP SD Preferred skill sets: SAP SD Years of experience required: 6- 9 yrs Education qualification: Btech MBA MCA MTECH Education (if blank, degree and/or field of study not specified) Degrees/Field of Study required: Master of Engineering, Master of Business Administration, Bachelor of Engineering Degrees/Field of Study preferred: Certifications (if blank, certifications not specified) Required Skills SAP Sales and Distribution (SD) Optional Skills Accepting Feedback, Accepting Feedback, Active Listening, Analytical Thinking, Application Software, Business Model Development, Business Process Modeling, Business Systems, Communication, Creativity, Developing Training Materials, Embracing Change, Emerging Technologies, Emotional Regulation, Empathy, Enterprise Integration, Enterprise Software, Implementation Research, Implementation Support, Implementing Technology, Inclusion, Innovative Design, Intellectual Curiosity, IT Infrastructure, Learning Agility {+ 18 more} Desired Languages (If blank, desired languages not specified) Travel Requirements Available for Work Visa Sponsorship? Government Clearance Required? Job Posting End Date Show more Show less

Location: Marol Andheri Reporting To: Finance Manager Department: Finance & Accounts Working days: Mon to Sat (6 full days) Must have Ecommerce experience in Reconciliation with companies like Zepto, Blinkit, Amazon, Flipkart, Nykaa etc. Key Responsibilities: Credit Control: Manage the credit control process across domestic and international clients. Evaluate creditworthiness of new and existing customers based on financial data and payment history. Set credit limits, monitor ageing reports, and proactively follow up for collections. Minimize overdue payments and bad debts through timely and strategic interventions. Coordinate with the Sales team for client-specific credit issues. Reconciliation: Ensure accurate reconciliation of accounts receivables with sales invoices and collections. Oversee bank reconciliations, customer ledger maintenance, and clearing open items in Tally. Reconcile third-party portals (e.g., Amazon, Flipkart, Nykaa, etc.) for sales vs. payouts. Maintain accurate and updated documentation for audits and internal reviews. Reporting & Compliance: Prepare and analyze credit control dashboards, DSO (Days Sales Outstanding), and reconciliation reports monthly. Support statutory and internal audits with required data and reconciliations. Ensure compliance with GST, TDS, and other financial regulations relevant to receivables. Process Improvement: Identify gaps in current systems and propose improvements for more efficient AR and reconciliation workflows. Work closely with tech/ERP teams for automation and reporting enhancements. Qualifications & Skills: Bachelor’s degree in Commerce/Finance; MBA (Finance) or CA Inter preferred. 6–8 years of experience in credit control, accounts receivable, and reconciliation in FMCG, retail, or e-commerce sector. Proficient in Excel, Tally, and ERP systems. Strong analytical, negotiation, and communication skills. Ability to multitask and work under tight deadlines. Why Join Soulflower? Work with a purpose-driven, cruelty-free, and sustainable brand. Opportunity to take ownership and lead high-impact financial functions. Transparent and collaborative work culture. Show more Show less

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

Brief Job Description: Perform daily customer invoicing for PPD division including review for accuracy, freight rating and escalate as needed. Deliver invoices 4x day in Elixir Perform releasing of loads for freight rating, reconcile shipping documents/SDN to invoicing, LC/DP documentations to US Bank, Documentation related to COI's, upload documents to US Bank portal, Marsh portal and for Air freight export shipments Perform /create manual debit/credit and rebates after obtaining adequate approvals per approval matrix and without any non-conformance to Sales Policy. Rebates Process/Manage line-item credits/Internal adjustment entries or claims by /from customers Process/Manage line-item credits/Internal adjustment entries in customer accounts and rebilling to customers due to corrections in original billing due to various reasons. The process includes Load Recalls, Invoice cancellations and reprocessing and Pricing/PO changes Manage FSC (Forest Stewardship Council) related activities like Preparing weekly FSC report, completing line-item credits and Transferring rolls to FSC orders Manage and monitor customer invoicing process to ensure timely completion of entire activities and report business in case of any issue/error to correction Perform /Manage month close/Month end activities related to AR process like Change the dates in ERP(JDE), pre/post close communications to business, adding to auto moved loads at 6 AM, move invoice report to clear of closing month shipment and share reconciliation reports to controllers Participate in UAT related to application and ERP upgradation projects related to AR (applications like Elixir, DMX, Paper Soft and JDE) Support AR Supervisor on various key corporate initiatives Perform daily customer order releasing activity in invoicing applications (Elixir) Responsible for updating the SOP/process map of customer invoicing and exporting invoices to ERP processes Provide trainings to team members on customer invoice application (Elixir) and customer invoicing process Support of controller’s reconciliation of inventory moves vs invoicing weekly/month end Responsible for maintaining the AR resource page and process related documents up to date in SharePoint Supports accounts receivable activities through high level collection, deduction, Refund and billing practices Obtain supporting back up documentation from mills, customers and/or carriers to validate claims. Perform all collection related duties including calls/correspondence, troubleshooting collection issues, processing customer refunds, and resolving client discrepancies and short payments for customer accounts. Maintain collection tracking using a weekly collection report of all open AR in conjunction with various customer watch lists. Convey the highest level of support to the collection effort and overall DSO results. Monitor the aged receivables/credits and work with customers/internal stake holders to close the open issues on a timely manner. Mitigate bad debt by monitoring aging reports and potential write-offs. Perform the Credit/rebill offsets activities by working closely with customers and buyers Perform Check/ACH changes and Bank account confirmations function with highly degree of quality Regularly escalate cases to respective buyers/sales team related to past due payments from customers Generate weekly customer statements with outstanding, analysis, reporting, circulation to customers and follow up for timely settlements Monitoring of WinSCP application. Track and report movements in customer records on a daily basis. Take corrective actions on any cash application errors. Perform reconciliation between main ERP and subsidiary 's ERP Perform month end activities. The activities incudes review of old/open deductions, monitor/review write offs, bad debts, uncollectable amounts, minor write offs, offset entries, reconciliation between ERPs, inter-company sales, month end customer invoicing, inventory management, month end statement creation, cash discounts and reverse upload from main ERP to subsidiary ERP and Month end reconciliation certification etc. Perform all AR related month end reporting including reconciliation and analysis of data. Take care of all the activities as a back of credit manager and also support credit manager to keep the system up to date Handle SOX reporting related to orders shipped, but not invoiced Perform/handle adjustments or corrections to customer accounts for over-billed or erroneous charges Perform uploading of Paper Soft supplier invoice into ERP during AP month end Perform customer creation and its related activities like validation/decide on New customer forms, Credit Application, Establish credit limits, Review credit reports, Credit references, Establish terms after discussion with sales team and average Annual volume expectations etc. Maintain/update customer master data in ERP/applications JDE, DMX, Elixir. Track changes, new customer creations and inform master data team for making timely changes in ERP records. Manage C/P hierarchy like master data management, credit assessment, invoice creation and its delivery, Payment monitoring, dispute resolution and reporting & analysis and Tax ID collection Responsible for training new hires/team members in the process Responsible for email box handling (Helpdesk) Should be experienced in credit analysis role. Should be able to evaluate and manage the credit risk associated with customers. Monitoring and Reviewing: Continuously monitoring customer accounts for any changes in their financial status or payment behavior. Regular reviews help in adjusting credit limits and taking proactive measures Risk Mitigation Strategies: Implementing strategies such as requiring advance payments, securing collateral, or using credit insurance to mitigate potential losses Collection Management: Developing and executing collection strategies to recover overdue payments. This includes sending reminders, negotiating payment plans, and, if necessary, taking legal action Should be able to manage duties like Order releases, Term discrepancies/changes, Average days to pay (DSO),Discount analysis, Sales questions/reporting & Quarterly Credit Limit reviews Work closely with cash application team to ensure accurate and timely receipt of all payments and provide missing remittance advices Evaluate the creditworthiness of potential customers to fix/modify credit limits. Perform Credit Assessment, establish credit policies, Implement/process credit applications and credit reference checks Perform /Maintain up-to-date Portal logins details, Carrier contact list and Customer List/information for smooth Ar functions Monitor and maintain AR Corp Box. Perform Filing all emails for Shared service manager/AR supervisor, Maintain Daily Invoices, Open Invoice Reports, Credit Hold notifications, sent remittances to Corp remits email box for smooth function of cash application process and monitor and file all communications for customer portfolio Support AR Supervisor on all internal/external audit requests. Collate and save all audit selection documentation for selected customer portfolios and perform flow chart reviews/walkthroughs sessions Create and maintain credit folders in shared drive to save the credit reports from agencies like Dun & Bradstreet (D&B), Customer Relationship Management (CRM) systems, S&P Global, and Moody’s. Support in creating/setting up new customers in ERP. Update/maintain related supporting like Credit references, Filing, Documentation collection, Credit Reports & request for resale certificates Support all daily invoicing activities as needed including resolution to sales order errors prior to invoicing and generation of invoices, as needed Enter manually all the invoices/credits for all divisions for customers subscribed Ariba portal. Work with customer services for correcting the errors while entering invoices/credits into the Ariba portal Update approved credit limits and the credit review dates in respective customer records in JDE/ERP as per the request by credit manager Collect the Remittance details, bank fees related to all wire payments and share it with cash application team for timely and accurate application of payments received from customers Generate weekly aging to Sales report from ERP for all divisions and circulate among respective internal stake holders Should be able to handle all AR related calls from customers and internal stake holders independently Technical Skill Requirements: Minimum 2 to 8 years claims, collections, deduction management and accounts receivable experience required. Qualification - Should be a B. Com/M. Com/MBA Finance/CA Inter Strong computer skills fluent in all Microsoft Suite products including Microsoft Excel, Word and Power Point applications. Experience with accounting (ERP) programs/Applications (JDE/Papersoft /Deduction modules). Understanding of Generally Accepted Accounting Principles (US GAAP) Excellent written and oral communication skills. Demonstrated organizational skills. Solid analytical, problem solving, and critical thinking capabilities. Strong customer service and interpersonal skills. High level of detail and efficiency. Solid analytical, problem solving, and critical thinking capabilities. Ability to function in a team environment. Strong accounting knowledge with O2C experience Knowledge of JDE, Papersoft, DMX systems and deduction modules is desired Knowledge of SOX related activities and documentation Show more Show less

About Us Yubi stands for ubiquitous. But Yubi will also stand for transparency, collaboration, and the power of possibility. From being a disruptor in India’s debt market to marching towards global corporate markets from one product to one holistic product suite with seven products Yubi is the place to unleash potential. Freedom, not fear. Avenues, not roadblocks. Opportunity, not obstacles. About the company: Accumn - a Yubi company, is India’s most advanced AI-first credit decisioning platform, integrating machine learning (ML) and generative artificial intelligence (GenAI) to empower credit managers with precise, data-driven tools for fair and transparent lending decisions. Formed through the strategic consolidation of Corpository and FinFort, Accumn offers a comprehensive suite of solutions to support the entire credit lifecycle—from lead generation and risk management to post-disbursement monitoring. With over 1 lakh active banking and credit users , Accumn has achieved a 66% reduction in credit processing time and boasts an 85% success rate in predicting defaults. The platform has over 5 lakh entities under credit monitoring . The company has been recognized for “Best Use of AI & ML Models for Credit Default Prediction” by Banking Frontiers and “Best Use of AI in Risk Evaluation” by Dun & Bradstreet. Visit www.hello.accumn.ai and www.go-yubi.com to learn more. About the Role: We are seeking a dynamic and results-driven Sales Manager 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 Sales Manager – Growth (West India) will be responsible for developing and executing sales /revenue for West India, 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. Position: Sales Manager – Growth (Region- West) Location: Mumbai, at Bandra Kurla complex. Mode of working: Work from office, Frequent travel. Education: Bachelor/master’s degree in business/ finance/economics or Chartered Account/CFA. Key Responsibilities: Execute sales (per regional sales strategy/plan) to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Hit 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 5+ 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+ 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. 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. Show more Show less

Application Operations Engineer Hyderabad, India Information Technology 311052 Job Description About The Role: Grade Level (for internal use): 09 The Team Diverse And Responsible Team Working On Multiple Applications And Providing Application Support In Two Shifts. Ready To Accept Challenge On Multiple Technologies And Eager For Any New Challenges. Responsibilities: Gather And Analyze Metrics From Operating Systems As Well As Applications To Assist In Performance Tuning And Fault Finding. Partner With Development Teams To Improve Services Through Rigorous Testing And Release Procedures. Participate In System Design Consulting, Platform Management, And Capacity Planning. Create Sustainable Systems And Services Through Automation. Balance Feature Development Speed And Reliability With Well-Defined Service-Level Objective Day To Day Working With Different Teams Like Infra Team For Related Issues Build And Document Automation Processes For Infrastructure As A Service/Infrastructure As Code. Backup And Patch Management RCA Of All The Issues And Deep Interest In Finding Permanent Resolution Of All Issues. Co-Ordination Of All Other Teams Involved In Issues Related With Users. Self-Driven Person What We’re Looking For: Bachelor’s Degree (Or Equivalent) In Computer Science Or Related Discipline With At Least 3+ Years Of Experience Proactive Approach To Identifying Problems, Performance Bottlenecks, And Areas For Improvement. Strong Interpersonal Skills, Analytical And Problem-Solving Ability Along With Strong Written And Verbal Communication. Ability To Communicate Ideas In Both Technical And Non-Technical Ways. A Strong Capacity For Teamwork And A Sense Of Ownership And Able To Work Independently And Be Self-Driven. Hands On Experience With Linux Server, AD, LDAP, DNS, Network Storage, AWS Compute Services (EC2, FSX, Managed AD, Route 53, Etc…) Ability To Program Using Scripting With Tools Or Languages, Such As PowerShell, Python, Ansible, Terraform And Bash Familiarity With ITSM Processes Like Incident, Problem And Change Management Using ServiceNow (Preferable) The Location: Hyderabad, India Grade: 09 {Software Engineer-Application Operations} Hybrid Model : 4 Times A Week Work From Office Is Mandatory. Shift Time: 6:30 Am To 2:30 Pm IST / 2:30 Pm To 11 Pm IST About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. - Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf - 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 311052 Posted On: 2025-06-10 Location: Hyderabad, Telangana, India

Job Title: Credit Manager - Payday Loans Reports to: Senior Management/Risk Head Location: Mumbai/Delhi NCR/Noida (varies based on company requirements) Key Responsibilities: - Credit Risk Assessment: Evaluate creditworthiness of customers applying for payday loans, ensuring adherence to company credit policies and regulatory requirements. - Loan Approval/Rejection: Approve or reject loan applications based on credit scoring models, income verification, and other relevant factors. - Credit Policy Development: Develop, review, and update credit policies to minimize bad debts and optimize loan portfolio performance. - Team Management: Lead and mentor a team of credit analysts, providing guidance on credit assessment, risk management, and customer service. - Portfolio Monitoring: Oversee loan portfolio performance, identifying potential credit risks and implementing strategies to mitigate them. - Stakeholder Communication: Collaborate with sales teams, operations, and senior management to ensure alignment and effective credit management. Requirements: - Qualifications: CA/MBA Finance with minimum 3-7 years of experience in credit risk management, preferably in an NBFC or banking institution. - Skills: - Strong analytical and problem-solving skills. - Excellent communication and interpersonal skills. - Ability to work under pressure and meet deadlines. - Proficient in financial modeling, credit scoring, and risk assessment. - Experience: Previous experience in credit management, loan approval, and risk assessment is essential. Key Skills: - Analytical Skills: Ability to evaluate creditworthiness, assess risk, and make informed decisions. - Communication Skills: Effective communication with customers, sales teams, and stakeholders. - Leadership Skills: Ability to lead and mentor a team of credit analysts. - Risk Management: Strong understanding of credit risk management principles and practices. Job Types: Full-time, Permanent Pay: ₹300,000.00 - ₹400,000.00 per year Benefits: Cell phone reimbursement Paid sick time Schedule: Day shift Fixed shift Weekend availability Supplemental Pay: Commission pay Overtime pay Performance bonus Yearly bonus Work Location: In person

About The Role Grade Level (for internal use): 10 The Team Security Testing Team in the Quality Engineering space plays a crucial role in safeguarding business operations by identifying vulnerabilities and ensuring robust protection against cyber threats. Through meticulous testing practices, we enhance the security posture of applications, thereby reducing the risk of data breaches and financial loss. By integrating security measures early in the development lifecycle, the team helps streamline processes, minimize disruptions, and ultimately contribute to greater business efficiency and resilience. S&P Global Ratings is the world’s leading provider of independent credit ratings. Our ratings are essential to driving growth, providing transparency, and helping educate market participants so they can make decisions with confidence. We have more than one million credit ratings outstanding on government, corporate, financial sector and structured finance entities and securities. We offer an independent view of the market built on a unique combination of broad perspective and local insight. We provide our opinions and research about relative credit risk; market participants gain independent information to help support the growth of transparent, liquid debt markets worldwide. What Is In It For You Serve as a highly technical security expert to bring security transformation to both new and legacy applications in quality engineering space. Using a wide range of cutting-edge technology to innovate while testing. An ever-challenging environment to hone your existing skills in Security Testing, Automation, Python Programming, Bash scripting etc. Being a part of an organization which values ‘Culture of Urgency’ and ‘Shift Left’ approaches. Gain the opportunity to apply your strategic thinking alongside technical skills to safeguard our systems defending against emerging cyber threats. A plenty of skill building, knowledge sharing, and innovation opportunities. Building a fulfilling career with a global financial technology company. Responsibilities This role will involve designing and executing security tests, identify vulnerabilities, and drive remediation strategies while collaborating with cross-functional teams in an Agile environment. Understand the application’s security requirements and identify & document the scope of the test. Develop and maintain security testing automation using tools like Burp Suite, ZAP, or similar tools. Integrate security testing into CI/CD pipelines. Automate processes and workflows using Python to minimize manual work. Collaborate with development, QE, and DevOps teams to investigate security incidents, perform root cause analysis, and validate security fixes. Oversee results and logs to analyze, prioritize, and initiate remediation for findings identified by security tools during SAST, DAST, SCA, artifact scanning, container scanning, etc... Prepare detailed reports summarizing test results, logs, findings, and recommendations for strengthening overall security of an application. Create and track security metrics, KPIs, and KRIs to measure operational effectiveness. Prepare comprehensive reports for senior management on security performance and strategic initiatives. Work independently, providing recommendations, and leading the accomplishments of the tasks from inception to completion. Demonstrate outstanding flexibility and leadership with proper communication of security testing result interpretation and explanation to audience. Participate in Daily Stand-up Calls, works closely with the Agile Manager to know the deliverables and commitments of each release. Actively taking part in resolving critical security issues and coming up with solutions to mitigate the same. Basic Qualifications Bachelor's or master’s degree in Electronics and Communication, Computer Science, Cybersecurity, or related fields. 6 to 9 years of IT experience with relevant professional experience of Minimum 4 years in the field of Cyber Security Testing. Should have strong hands-on experience in security testing, penetration testing, and vulnerability assessment. Strong experience in web, API, and cloud security testing. Clear understanding of security vulnerabilities, exploits, and mitigation techniques Strong grasp of the OWASP Top 10 vulnerabilities and effective mitigation strategies. Hands-on experience with security testing tools such as Burp Suite, OWASP ZAP, Wireshark, Nessus, OpenSSL and Crypto validation tools. Proficiency in SAST/DAST tools and security frameworks like OWASP Top 10, CIS Benchmarks, and CVSS. Hands-on experience with Selenium, Pytest, and RestAssured API Testing using Python. Strong hands-on experience with scripting and programming languages including Python, PowerShell, Bash for security tasks. Familiarity with RESTful APIs, webhooks, and integration of third-party security tools and services via automation. Knowledge of DevSecOps practices and integrating security in CI/CD pipelines. Self-motivated and driven to stay updated with the latest security trends, technologies, and best practices, maintain high level of accuracy in security assessments. Ability to analyze and communicate complex cybersecurity and technical challenges to technical and non-technical users, leaders, and stakeholders. Experience collaborating with cross functional global and remote teams with diverse backgrounds. Should be able to work under a competitive time frame and deliver. Should be a very fast learner and have the excellent problem-solving ability. Should have excellent written and verbal communication skills. Nice To Have Skills Security Certifications like CISSP, CEH, CISM, OSCP or CompTIA Security+ shall be having the preference. Hands-On experience in building AI-powered security tools, chatbots, and agent-driven automation pipelines. Knowledge on Agentic AI frameworks, LLMs, and orchestration libraries like LangChain, crewAI or RAG-based architectures. Grade: 10 Location: Hyderabad Shift time: 11am to 8pm / 12pm to 9pm IST Hybrid Model: twice a week work from office About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 307720 Posted On: 2025-06-12 Location: Hyderabad, Telangana, India Show more Show less

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

SRE {Java + React + Devops} Hyderabad, India Information Technology 315970 Job Description About The Role: Grade Level (for internal use): 09 Job Description: We Are Seeking A Skilled And Motivated Application Operations Engineer For An SRE Role With Java, React JS And Spring Boot Skillset Along With Expertise In Data Bricks, Particularly With Oracle Integration, To Join Our Dynamic SRE Team. The Ideal Candidate Should Have 3 To 6 Years Of Experience In Supporting Robust Web Applications Using Java, React JS And Spring Boot With A Strong Background In Managing And Optimizing Data Workflows Leveraging Oracle Databases. The Incumbent Will Be Responsible For Supporting Applications, Troubleshooting Issues, Providing RCA’s And Suggestive Fixes By Managing Continuous Integration And Deployment Pipelines, Automating Processes, And Ensuring Systems Reliability, Maintainability And Stability. Responsibilities: The Incumbent Will Be Working In CI/CD, Handle Infrastructure Issues, Know How On Supporting Operations And Maintain User-Facing Features Using React JS, Spring Boot & Java Has Ability To Support Reusable Components And Front-End Libraries For Future Use Partner With Development Teams To Improve Services Through Rigorous Testing And Release Procedures. Has Willingness To Learn New Tools And Technologies As Per The Project Demand. Ensure The Technical Feasibility Of UI/UX Designs Optimize Applications For Maximum Speed And Scalability Collaborate With Other Team Members And Stakeholders Work Closely With Data Engineers To Ensure Smooth Data Flow And Integration. Create And Maintain Documentation For Data Processes And Workflows. Troubleshoot And Resolve Issues Related To Data Integrity And Performance. Good To Have Working Knowledge On Tomcat App Server And Apache Web Server, Oracle, Postgres Command On Linux & Unix. Self-Driven Individual Requirements : Bachelor’s Degree In Computer Science Engineering, Or A Related Field 3-6 Years Of Professional Experience Proficiency In Advanced Java, JavaScript, Including DOM Manipulation And The JavaScript Object Model Experience With Popular React JS Workflows (Such As Redux, MobX, Flux) Familiarity With RESTful APIs Experience With Cloud Platforms Such As AWS And Azure Knowledge Of CI/CD Pipelines And DevOps Practices Experience With Data Engineering Tools And Technologies, Particularly Data Bricks Proficiency In Oracle Database Technologies And SQL Queries Excellent Problem-Solving Skills And Attention To Detail Ability To Work Independently And As Part Of A Team Good Verbal And Written Communication Skills Familiarity With ITSM Processes Like Incident, Problem And Change Management Using ServiceNow (Preferable) Ability To Work In Shift Manner. Grade - 09 Location - Hyderabad Hybrid Mode - Twice A Week Work From Office Shift Time - 6:30 Am To 1 Pm OR 2 Pm To 10 Pm IST About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. - Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf - 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 315970 Posted On: 2025-06-12 Location: Hyderabad, Telangana, India

About the Role: Grade Level (for internal use): 09 Job Description: We are seeking a skilled and motivated Application Operations Engineer for an SRE role with Java, React JS and Spring boot skillset along with expertise in Data Bricks, particularly with Oracle integration, to join our dynamic SRE team. The ideal candidate should have 3 to 6 years of experience in supporting robust web applications using Java, React JS and Spring boot with a strong background in managing and optimizing data workflows leveraging Oracle databases. The incumbent will be responsible for supporting applications, troubleshooting issues, providing RCA’s and suggestive fixes by managing continuous integration and deployment pipelines, automating processes, and ensuring systems reliability, maintainability and stability. Responsibilities: The incumbent will be working in CI/CD, handle Infrastructure issues, know how on supporting Operations and maintain user-facing features using React JS, Spring boot & Java Has ability to support reusable components and front-end libraries for future use Partner with development teams to improve services through rigorous testing and release procedures. Has willingness to learn new tools and technologies as per the project demand. Ensure the technical feasibility of UI/UX designs Optimize applications for maximum speed and scalability Collaborate with other team members and stakeholders Work closely with data engineers to ensure smooth data flow and integration. Create and maintain documentation for data processes and workflows. Troubleshoot and resolve issues related to data integrity and performance. Good to have working knowledge on Tomcat App server and Apache web server, Oracle, Postgres Command on Linux & Unix. Self-driven individual Requirements : Bachelor’s degree in computer science engineering, or a related field 3-6 years of professional experience Proficiency in Advanced Java, JavaScript, including DOM manipulation and the JavaScript object model Experience with popular React JS workflows (such as Redux, MobX, Flux) Familiarity with RESTful APIs Experience with cloud platforms such as AWS and Azure Knowledge of CI/CD pipelines and DevOps practices Experience with data engineering tools and technologies, particularly Data Bricks Proficiency in Oracle database technologies and SQL queries Excellent problem-solving skills and attention to detail Ability to work independently and as part of a team Good verbal and written communication skills Familiarity with ITSM processes like Incident, Problem and Change Management using ServiceNow (preferable) Ability to work in shift manner. Grade - 09 Location - Hyderabad Hybrid Mode - twice a week work from office Shift Time - 6:30 am to 1 pm OR 2 pm to 10 pm IST About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose: Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People: We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values: Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits: We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our benefits include: Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. ----------------------------------------------------------- Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf ----------------------------------------------------------- 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.1 - Middle Professional Tier I (EEO Job Group) Job ID: 315970 Posted On: 2025-06-12 Location: Hyderabad, Telangana, India

About FinAGG Technologies FinAGG Technologies Private Limited is a dynamic fintech company revolutionizing credit access for India's Distributor and Retailer ecosystem. Founded and led by industry veterans with a track record of successful exits to global firms, FinAGG is at the forefront of digital lending innovation. Trusted by 20+ leading corporate houses, we are transforming SME/MSME financing and driving the vision of Atmanirbhar Bharat by empowering businesses with seamless working capital solutions. Role: Senior Manager/AVP - Credit & Risk 📍 Location: Noida (On-site) | 🏢 Full-time As a Senior Manager/AVP - Credit & Risk , you will play a key role in shaping FinAGG’s risk strategy and credit policies. You will be responsible for assessing and mitigating credit risks, developing robust underwriting frameworks, and driving financial risk management strategies to support our growing portfolio. Key Responsibilities: ✅ Oversee credit risk management frameworks and policies ✅ Conduct in-depth financial assessments and underwriting activities ✅ Implement risk management strategies to optimize portfolio performance ✅ Utilize analytical tools to evaluate creditworthiness and risk exposure ✅ Collaborate with cross-functional teams to enhance credit models and decision-making Qualifications & Skills: ✔ Proven experience in Credit Risk Management & Underwriting ✔ Strong analytical skills with expertise in financial modeling ✔ Deep understanding of credit assessment, finance, and risk management ✔ Background in financial services, fintech, or banking ✔ Ability to thrive in a fast-paced, high-growth environment ✔ Bachelor's or Master’s degree in Finance, Economics, Business , or a related field 🚀 Join us in redefining MSME financing and driving India’s economic growth! 📩 Interested? Apply now or reach out to learn more. Show more Show less

About the Role: We are seeking an experienced US Mortgage Specialist to join our dynamic team in Hyderabad. This role offers a hybrid work model, allowing for a balance of in-office collaboration and remote work. The ideal candidate will have a deep understanding of US mortgage underwriting processes, regulations, and guidelines, and will be responsible for ensuring the accuracy and completeness of mortgage loan applications. Key Responsibilities: Analyze and verify loan applications to ensure eligibility, creditworthiness, and compliance with US mortgage lending regulations and guidelines. Review financial statements, credit reports, and applicable ratios (i.e., Debt ratios, loan-to-value) to make loan eligibility decisions. Evaluate mortgage loan requests and assess risks based on credit, capacity, and collateral considerations. Ensure all required documentation is collected, reviewed, and accurately processed. Work closely with loan processors and officers to provide guidance and clarification on underwriting standards and requirements. Stay updated with changes in underwriting procedures, criteria, and regulatory requirements. Provide timely and constructive feedback to agents and clients regarding loan decisions, conditions, and additional requirements. Maintain a high level of customer service by being proactive in communication with clients and stakeholders. Qualifications: Bachelor’s degree in Finance, Business Administration, or a related field. Minimum of 5 years of experience in US mortgage underwriting. Strong understanding of current US mortgage lending laws, regulations, and guidelines. Familiarity with underwriting tools and software used in the US mortgage industry. Excellent analytical and decision-making skills. Strong attention to detail and accuracy. Effective communication skills, both written and verbal. Ability to work independently and collaboratively in a hybrid work environment. Preferred Skills: Experience with FHA, VA, and conventional loan underwriting. Certification in mortgage underwriting from a recognized institution. Proficiency in risk analysis and mitigation. Show more Show less

Company Description Enviri Corporation is a market-leading global provider of environmental solutions for industrial, retail, and medical waste streams, as well as innovative equipment and technology for the rail sector. We have an unrivaled breadth of experience across the globe and an impressive reputation that stretches back more than a century. Based in Camp Hill, PA, with more than 13,000 employees and the company operates in more than 30 countries. About Enviri GSC Enviri GSC handles a wide range of services, including finance and accounting shared services, global HR shared services, providing IT services and helpdesk support, and market research support to Harsco globally. We have been Operating since 2008 & Serving 30+ Countries Job Description Primary Responsibilities: Perform Regular credit analysis of the portfolio with detailed credit write-up of both standalone and/ or groups of companies as required. The credit write-up includes business (operating), industry, and financial analysis (including company financials and performance to plan analysis) to assess the creditworthiness of our customers while keeping track of the latest developments, including analyzing regional, sector-specific, environmental, and other financial data to assess and mitigate credit risk. Evaluate the performance of our customers based on historical data and capture the parameters from external rating agencies, which include analysis of financial statements, ratios, cash flow, etc. Regularly work and assess the customer risk category based on predetermined parameters. Perform quality assurance reviews and ensure 100% completeness of the Credit Process. Adhere to and comply with the company policies and procedures. Complete monthly trend and portfolio management analysis via defined reports, as well as using knowledge, experience, and observation to determine if new analysis is needed. Communicate the results of portfolio analysis to the management. Communicate (in a defined format) exceptions, trends, concerns, and conclusions of the Credit Risk associated with the management. Explore opportunities for standardization and automation in the existing process. Drive CI initiatives across the process and communicate weaknesses identified to the management, and work on process improvements. Experience and exposure to various data analytical tools would be a plus. Open for support on additional assignments or special projects as requested by the management. Qualifications 5-10 years of relevant experience. Bachelor's degree. Additional Information Disclaimer The information about this job description given above has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.