665 Creditworthiness Jobs - Page 2

Job Title: Credit Analyst – Real Estate (Fundraising & Financial Modeling) Location : Pune Industry : Real Estate / Project Finance Experience : 3 to 5 Years Employment Type : Full-time About the Company Omicron Group, a Pune-based commercial real estate developer, has its roots in Aurangabad with over 35 years of expertise in power infrastructure. Known for delivering Grade-A office spaces across Pune, the group combines engineering precision with modern commercial real estate innovation. Job Summary We are seeking a highly motivated and detail-oriented Credit Analyst with experience in financial modeling and fundraising for real estate projects. The candidate will play a key role in supporting project financing efforts, preparing detailed financial models, analyzing project viability, and coordinating with financial institutions and investors for funding proposals. Key Responsibilities Financial Modeling : Develop and maintain detailed Excel-based financial models for real estate projects, including projections for revenue, costs, cash flows, IRR, and ROI. Credit Analysis : Analyze creditworthiness of the company and its projects, including financial ratios, debt servicing capacity, and risk assessment. Fundraising Support : Prepare information memorandums (IMs), investor pitch decks, project teasers, and loan proposals for banks, NBFCs, and private investors. Liaison with Lenders : Coordinate with banks, NBFCs, rating agencies, and investment partners to support due diligence, documentation, and disbursements. Project Evaluation : Conduct feasibility analysis and sensitivity testing on real estate projects to support decision-making for new launches or acquisitions. Market Research : Track industry trends, benchmark financing structures, and stay updated on lending terms and real estate sector funding activity. MIS & Reporting : Prepare regular reports and dashboards on fundraising status, project financials, and loan covenants compliance. Requirements Bachelor’s or Master’s degree in Finance, Accounting, Economics, or related field (CA/MBA Finance preferred). 3 to 5 years of relevant experience in financial modeling, project finance, or credit analysis, preferably in the real estate or infrastructure sector . Strong command of Excel , financial statements, and project finance concepts. Experience with debt/equity fundraising documentation is a plus. Excellent analytical, communication, and presentation skills. Ability to work independently and manage multiple tasks in a fast-paced environment. Preferred Skills Prior exposure to real estate project modeling (e.g., sales-linked cash flows, construction schedules, and loan drawdowns). Familiarity with lender requirements and project finance deal structures. Understanding of RERA, stamp duty, and real estate-specific financial considerations.

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Service Delivery Operations Associate Manager Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 10 to 14 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? Team would be part of Large Corporate Underwriting. You would be responsible for the below activities Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct detailed research 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? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Risk management Thought leadership Basics of dual risk rating Cash flow analysis Roles and Responsibilities: In this role you are required to do analysis and solving of moderately complex problems Typically creates new solutions, leveraging and, where needed, adapting existing methods and procedures The person requires understanding of the strategic direction set by senior management as it relates to team goals Primary upward interaction is with direct supervisor or team leads Generally interacts with peers and/or management levels at a client and/or within Accenture The person should require minimal guidance when determining methods and procedures on new assignments Decisions often impact the team in which they reside and occasionally impact other teams Individual would manage medium-small sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Delivery Lead Manager Qualifications: MCom/Master of Business Administration/Master of Financial Management Years of Experience: 13 to 18 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? Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct a through research 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? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Thought leadership Risk management Roles and Responsibilities: In this role you are required to identify and assess complex problems for area of responsibility The person would create solutions in situations in which analysis requires an in-depth evaluation of variable factors Requires adherence to strategic direction set by senior management when establishing near-term goals Interaction of the individual is with senior management at a client and/or within Accenture, involving matters that may require acceptance of an alternate approach Some latitude in decision-making in involved you will act independently to determine methods and procedures on new assignments Decisions individual at this role makes have a major day to day impact on area of responsibility The person manages large - medium sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Delivery Lead Manager Qualifications: MCom/Master of Business Administration/Master of Financial Management Years of Experience: 13 to 18 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? Conducting financial statement analysis, performance evaluation, and trend analysis to assess the creditworthiness of large corporate clients. Managing client portfolios and overseeing credit rating assignments along with interim financial analysis and hygiene checks. Performing financial data entry and analysis using Excel templates based on 10-K and 10-Q filings. Preparing credit reports and Credit Assessment Memos (CAMs) for annual reviews, incorporating counterparty profiles, key rating factors, credit risk evaluations (including financial and peer analysis, rating rationale, and industry outlook). Developing forecast models in Excel, including cash flow models under various scenarios—Expected case, downside case, and management case—to project financials over a five- to seven-year horizon. Creating and analyzing enterprise valuation models to determine a company’s total value, including both equity and debt components. Evaluating business models by identifying key strengths, weaknesses, risks, and gaining a comprehensive understanding of revenue structures and corporate organization. Ensuring compliance with standard operating procedures and regulatory documentation requirements. Maintaining strong working relationships with onshore account managers and senior stakeholders, including Directors. Conduct a through research 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? Banking, Financial Services Credit Management & Assessment Financial Analysis Risk Management Underwriting Problem-solving skills Ability to establish strong client relationship Strong analytical skills Thought leadership Risk management Roles and Responsibilities: In this role you are required to identify and assess complex problems for area of responsibility The person would create solutions in situations in which analysis requires an in-depth evaluation of variable factors Requires adherence to strategic direction set by senior management when establishing near-term goals Interaction of the individual is with senior management at a client and/or within Accenture, involving matters that may require acceptance of an alternate approach Some latitude in decision-making in involved you will act independently to determine methods and procedures on new assignments Decisions individual at this role makes have a major day to day impact on area of responsibility The person manages large - medium sized teams and/or work efforts (if in an individual contributor role) at a client or within Accenture Please note that this role may require you to work in rotational shifts, MCom,Master of Business Administration,Master of Financial Management

Company Description We suggest you enter details here. Role Description This is a full-time on-site role for a Credit Manager. This role is located in Indore. The Credit Manager will be responsible for overseeing credit management operations, assessing credit risks, handling finance-related tasks, and managing credit limits and policies. Key duties include evaluating customer creditworthiness, setting credit terms, resolving disputes, and maintaining comprehensive credit reports. The Credit Manager will work closely with the finance team to ensure effective and efficient credit management processes. Qualifications Credit Management and Credit skills Experience in Credit Risk Management Strong Analytical Skills Finance knowledge and background Excellent organizational and time-management skills Ability to work independently and as part of a team Proficiency with credit management software and tools is a plus Bachelor's degree in Finance, Accounting, Business Administration, or related field

Company Description Greenfinch Global Consulting (GFGC) aims to revolutionize the Indian Lending Industry with a unified lending services utility that integrates field services with cutting-edge technology. Founded by Mr. Sushil Kumar Agarwal, a renowned leader in the BFSI domain, GFGC provides a one-of-a-kind offering that serves lending institutions such as Banks and NBFCs across India. With world-class technology, a strong governance framework, and excellent execution, GFGC offers unmatched service through its experienced founding team and extensive Pan-India distribution network. Role Description This is a full-time on-site role for an Area Credit Manager, located in Chandigarh. The Area Credit Manager will be responsible for overseeing credit management operations, conducting credit risk assessments, and ensuring adherence to credit policies and procedures. Day-to-day tasks include evaluating financial documents, analyzing creditworthiness, coordinating with clients, and preparing detailed credit reports. The individual will also need to manage a team and ensure the smooth functioning of credit-related activities within the designated area. Qualifications Proven experience in Credit Management and Credit Risk Management Strong Analytical Skills and proficiency in Financial Analysis Expertise in Finance and understanding of Credit principles Excellent written and verbal communication skills Ability to lead a team and work collaboratively Relevant qualifications such as a Bachelor's or Master's degree in Finance, Accounting, or related fields Experience in the BFSI sector is advantageous

Here's a comprehensive breakdown of their roles and responsibilities for Sales Executive: I. Core Sales & Business Development: Achieving Sales Targets: The primary responsibility is to meet or exceed monthly, quarterly, and annual sales targets for peanut chikki products. This often involves volume-based targets and revenue goals. New Customer Acquisition: Identifying and Prospecting: Actively research and identify potential new clients, including retailers (kirana stores, supermarkets, convenience stores), wholesalers, distributors, bakeries, cafes, and institutional buyers (schools, corporate canteens). Lead Generation: Generate new leads through cold calling, emails, networking, and attending trade shows/exhibitions related to food and confectionery. Presenting and Demonstrating: Conduct compelling presentations and product demonstrations (e.g., tastings) to showcase the quality, benefits, and uniqueness of the peanut chikki. Negotiation and Closing: Negotiate pricing, terms, and contracts to close sales deals, ensuring profitability for the company while meeting customer needs. Key Account Management & Relationship Building: Maintaining Existing Relationships: Nurture and strengthen relationships with current customers to ensure repeat business and customer loyalty. Upselling and Cross-selling: Identify opportunities to upsell existing clients on larger quantities or cross-sell other chikki varieties or snack products. Addressing Customer Needs: Promptly address customer inquiries, complaints, and feedback regarding pricing, delivery, product quality, and general satisfaction. Market Expansion: Explore and develop new markets and distribution channels for peanut chikki, especially in areas where it might be less prevalent (e.g., urban areas where it's traditionally more popular in rural/semi-urban areas). II. Market Understanding & Strategy: Market Research & Analysis: Competitor Analysis: Monitor competitor activities, including their pricing strategies, new product launches, promotions, and market presence. Market Trends: Stay updated on industry trends, consumer preferences for snacks and confectionery, and demand fluctuations (e.g., seasonal demand for chikki). Consumer Insights: Gather feedback from customers and the market to provide insights for product development and marketing strategies. Sales Strategy Implementation: Collaborate with sales management to develop and implement effective sales strategies tailored to the peanut chikki market. Promotional Activities: Identify target outlets and implement promotional activities (e.g., in-store displays, special offers) to drive product visibility and sales. III. Operations & Administration: Order Management: Record orders accurately and ensure timely processing and coordination with the logistics/operations team for delivery. Inventory Management (Basic): While not their primary role, a sales executive may need to coordinate with internal teams to ensure product availability and timely fulfillment of orders. Credit Control & Collections: In some cases, they might be responsible for checking creditworthiness of clients and ensuring timely collection of payments. Reporting: Prepare regular and accurate sales reports (daily, weekly, monthly) to track performance against targets, analyze sales metrics, and provide feedback to management. Utilize CRM software (e.g., Salesforce, Zoho, HubSpot) to maintain client records and track sales progress. Collaboration: Work closely with internal teams such as marketing (for campaigns and brand positioning), product development (for new varieties or improvements), and logistics (for smooth deliveries). IV. Key Skills & Qualifications: Strong Sales Acumen: Proven track record of achieving or exceeding sales targets, especially in the FMCG or food industry. Excellent Communication & Interpersonal Skills: Ability to build rapport, effectively present information, listen actively to customer needs, and negotiate persuasively. Negotiation Skills: Ability to secure favorable terms and close deals while maintaining customer satisfaction. Product Knowledge: In-depth understanding of peanut chikki products, including ingredients, health benefits, varieties, and manufacturing processes. Market Knowledge: Familiarity with the local market, distribution channels, and consumer behavior related to snack products. Relationship Building: Skill in establishing and maintaining long-term, positive relationships with clients. Self-Motivated & Target-Oriented: Drive to achieve results and work independently to meet sales goals. Analytical Skills: Ability to analyze sales data, market trends, and competitor information to adjust strategies. Time Management & Organization: Efficiently manage a sales pipeline, schedule visits, and prioritize tasks. Computer Proficiency: Competency in using MS Office (Excel, Word, PowerPoint) and CRM software. Mobility: Often requires a driving license and willingness to travel extensively within an assigned territory. Education: A Bachelor's degree in Business, Marketing, Food Science, or a related field is often preferred, though relevant experience can sometimes substitute.

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

The Manager – Accounts Receivable is responsible for managing the complete accounts receivable process, ensuring accurate invoicing, efficient collections, robust credit control, and compliance with statutory requirements. This role plays a critical part in sustaining the company's cash flow by maintaining healthy receivables and minimizing credit risks. Key Responsibilities: 1. Invoicing & Documentation Oversight Ensure accurate and timely generation of customer invoices in line with purchase order/contract terms. Verify and monitor all supporting documentation for statutory and internal compliance. Approve necessary invoice corrections or re-issuance in collaboration with cross-functional teams. 2. Receivables Monitoring & Collection Management Track and monitor customer-wise receivables and regularly review ageing reports. Follow up for overdue payments and manage customer escalations effectively. Ensure timely collection of TDS certificates, payment proofs, and acknowledgments. 3. Credit Control & Risk Management Review and manage customer credit limits in coordination with Sales and Finance. Evaluate creditworthiness of new customers and recommend suitable credit terms. Identify high-risk accounts and recommend appropriate risk mitigation measures. 4. Audit & Statutory Compliance Ensure adherence to all statutory tax norms including GST, TDS, etc. Coordinate with internal and external auditors for receivables-related audits. Maintain accurate and audit-ready documentation and ledgers. 5. Team Supervision & Process Improvement Lead and mentor the Accounts Receivable team, ensuring high performance and accuracy. Identify and implement process improvement initiatives, including automation opportunities. Conduct periodic training sessions on compliance, systems, and customer management. 6. MIS Reporting Ensure timely preparation and submission of weekly, monthly, and ad-hoc MIS reports. Provide accurate data and insights for internal reviews and management meetings.

Plan Credit Underwriting vision & outlook.​ Analyzing financial statements, assessing business viability, and identifying risks related to loan applications. Implementing credit policies and procedures at the state level and ensuring compliance. Monitoring portfolio performance, identifying early warning signs, and taking corrective actions. ​ Conduct portfolio study of the outstanding advances portfolio, Lead credit tightening initiatives to keep delinquencies under control while maintaining a balanced view of business profitability across various products and geographies.​ P repare Risk & Credit Decks on monthly basis.​R e sponsible for ensuring sound understanding of credit policy across all relevant levels.​Pr o duct management: managing the product function, product design, portfolios & performance at State level.​Pro d uct knowledge at market level & market segmentation, is necessary.Prov en experience in credit underwriting of Construction Equipment Loan Skil l Set (Must) ∙Exc ellent Communication Skills : Strong communication and negotiation skills to work effectively with various stakeholders ∙Str ong financial analytical skills and the ability to assess creditworthiness ∙Lea dership Skills : Ability to build, coach, and mentor high-performance teams

Job Title: Credit Manager - LAS Job Responsibilities: Assess creditworthiness of clients using financial statements, credit reports, and industry analysis Prepare detailed credit appraisal memos and risk assessments Monitor and track the performance of existing credit exposures and portfolios Develop and update internal credit rating models and scorecards Conduct regular portfolio reviews and ensure early warning systems are in place Liaise with business teams, legal, and operations for credit approvals and documentation Ensure compliance with internal credit policies and regulatory frameworks (RBI guidelines) Required Qualifications & Skills: Bachelor’s or Master’s degree in finance, Accounting, Economics, or related field 2–5 years of experience in credit analysis, banking, NBFC Strong knowledge of financial statement analysis, ratios, and cash flow Proficient in Microsoft Excel Strong written and verbal communication skills

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

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

Role-Zonal Credit Manager Department-Education Loan Experience-min. 8 years Location -Mumbai Package up to 45 LPA Responsibilities- Credit Analysis and Underwriting: Evaluating credit applications, assessing creditworthiness, and making recommendations on Education loan approvals. Compliance and Audit: Ensuring adherence to credit policies, regulatory requirements, and audit procedures. Team Management: Leading and motivating a team of credit managers, providing training and guidance. Portfolio Management: Monitoring Education loan performance, managing delinquencies, and taking corrective actions to minimize losses. Market Research: Understanding local market trends and economic conditions to inform credit decisions. Collaboration: Working with other departments, such as business development, operations, and technology, to improve credit processes. Relationship Management: Maintaining relationships with channel partners and stakeholders

Role: Sales Manager Exp: 2-4 Years Location: Mumbai Qualification: MBA Job Description: - Achieve monthly, quarterly, and yearly sales targets for the assigned territory. - Develop and implement dealer-level plans to meet business objectives and work proactively towards target achievement. - Drive growth for both core and high-priority products. -Analyze territory data to identify opportunities, address gaps, and implement targeted strategies. - Expand the dealer network by on boarding new dealers and boosting engagement. - Address and resolve dealer queries promptly to maintain strong, productive relationships. - Coordinate with internal teams to ensure product, service, and promotional material availability for dealers. - Implement and manage marketing strategies, including promotions, pricing, product mix, and distribution policies. - Collect receivables per company norms and conduct periodic creditworthiness reviews of business partners. - Conduct regular meetings with architects, interior designers, and builders to establish relationships, understand project requirements, and promote the company’s products and solutions. - Identify opportunities for collaboration and drive business growth through strategic partnerships. - Organize and execute training sessions for dealers to enhance their knowledge of products, sales techniques, and market trends. - Ensure dealers are equipped with the tools and skills necessary to represent the brand effectively and achieve sales targets. - Provide senior management with detailed sales reports and market analyses, offering strategic growth recommendations. - Manage the sales cycle from prospecting to successful closure. - Prepare and submit regular performance and client interaction reports. - Utilize CRM tools and Microsoft Excel for data management and analysis

As a Used Car Loan Sales Executive, your primary role is to generate and convert leads for pre-owned car loans. You will identify customer needs, offer customized loan solutions, manage end-to-end documentation, and coordinate with lenders and car dealers to ensure smooth disbursal of loans. Identify prospective customers through cold calls, digital campaigns, dealer networks, and referrals. Promote used car loan schemes via field visits, phone calls, and in-person meetings. Convert leads into successful loan applications. Collect and verify basic documents like ID proof, income proof, bank statements, etc. Use loan eligibility calculators or in-house tools to assess the customer’s creditworthiness. Collaborate with car dealers to obtain vehicle details, valuation, and RC details. Liaise with multiple banks/NBFCs to compare loan offers and get the best deal for the customer.

Company Description Sutherland is a digital transformation company focused on delivering exceptional experiences for both customers and employees. For over 37 years, we have been entrusted with caring for our clients’ customers - a responsibility we believe we should earn every day. We are dedicated to making those experiences as delightful as possible - instantaneous, relevant, predictive and frictionless. As an early pioneer in robotic automation, we added to our core through steady investment and acquiring key capabilities. Our design capabilities marry human insight, design-thinking, and process engineering. To make these designs come to life as envisioned by our designers, we employ the latest in robotic automation, conversational AI techniques with a range of AI-ML enhanced products and cloud-based platforms. We believe that the best relationships come from trust and value. We call it One Sutherland. Job Description We are seeking a skilled and detail-oriented Loan Underwriter to join our lending team specializing in manufactured housing chattel loans. As an Underwriter, they will play a pivotal role in evaluating loan applications and assessing the creditworthiness of borrowers seeking financing for manufactured homes. Their expertise in analyzing financial documents, assessing risk, and ensuring regulatory compliance. Desired Mentality: Passionate about improving consumer outcomes and addressing the affordable housing crisis. A critical thinker with a collaborative mindset, committed to excellence and innovation in lending. Responsibilities: Review loan applications and supporting documentation for manufactured housing loans, including income verification, credit reports, and property valuations. Assess the creditworthiness of borrowers by analyzing financial statements, tax returns, employment history, and other relevant information. Evaluate debt-to-income ratios and other key financial indicators to determine loan feasibility. Ensure compliance with lending regulations, internal policies, and underwriting guidelines. Collaborate with loan officers, processors, and other team members to gather necessary information and address any application deficiencies or documentation gaps. Conduct thorough risk assessments to identify potential red flags or fraudulent activities. Prepare loan underwriting summaries, including recommended loan structures, risk mitigation strategies, and rationales for decision-making. Communicate lending decisions and provide clear explanations to loan officers, processors, and other stakeholders. Stay updated on industry best practices, regulatory changes, and market trends related to manufactured housing financing. Qualifications Proven experience as a Loan Underwriter or in a similar role, with expertise in manufactured housing loans preferred. Deep understanding of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing. Proficiency in analyzing financial documents, including credit reports, tax returns, and income statements. Familiarity with loan origination systems, mortgage underwriting software, and document management tools. Meticulous attention to detail and the ability to accurately review and interpret complex loan documents. Strong analytical skills for evaluating creditworthiness and risk. Excellent verbal and written communication skills for clear decision-making explanations and stakeholder interactions. Ability to work independently, manage priorities effectively, and meet deadlines in a fast-paced environment. High ethical standards with a commitment to confidentiality and data privacy. Additional Information Basic technical skills Ability to use the computer system. - Booting and shutting down Basic level familiarity of Operating System (Windows / XP) Usage of MS Office suite (MS Outlook) Knowledge of browsers (MS Edge, Google Chrome) Soft Skills Typing skills of 25 words per minute with an accuracy of 80% Comprehension – Ability to clearly understand the problem Analytical & Numerical Ability – Basic mathematics skills and ability to calculate, ability to analyze problem statements/ documents Tools Knowledge Experience in industry renowned LOS. Fraudguard Disclaimer: Sutherland never requests payment or favors in exchange for job opportunities. Please report any suspicious activity immediately to TAHelpdesk@Sutherlandglobal.com

About the Role : Interlinkages Limited is hiring Credit Research Analysts, based at its Gurugram office for its Credence Data Services business (https://www.credencedata.com/) which provides Business Information reports on Cross Border Trade counterparties to Banks, Companies and institutions. The successful candidate will be responsible for gathering, analyzing, and disseminating annual reports and other relevant company information from registries and official records for over 200 countries. This role is ideal for someone with experience in spreading financial data, particularly within BPOs and KPOs, and who has worked for overseas clients in the financial industry. As a Credit Research Analyst, your primary role will be to research, evaluate and analyze business and credit information to generate credit reports and scores for companies. Your insights and expertise will support decision-making processes and help mitigate performance and payment risks. Key Responsibilities Collect and review annual reports, financial statements, and other official documents from company registries and databases. Analyze financial data and company performance metrics to generate insightful reports. Collate key data points through official sources and web research Perform data entry into our system with high accuracy where needed or check system generated output in case of system integrations. Ensure timely delivery of reports and data within short deadlines. Assess creditworthiness and provide accurate and reliable credit information to clients, including lenders, financial institutions, and other organizations. Requirements: Education: Bachelor's degree in Finance, Accounting or a professional degree like CA, MBA . CA Intermediate can also apply Experience: 2-3 years of previous experience in credit analysis, financial spreading, risk assessment, credit underwriting, Corporate banking or a related field is preferred. Experience in spreading financial data, particularly within BPOs and KPOs will be preferred. Freshers with degree in Finance, Business or Commerce can apply. Basic understanding of financial statements and corporate reporting is essential. Attention to Detail: This is the most important requirement. Strong attention to detail to ensure accuracy and precision in credit evaluations, reports, and scoring assignments. Analytical Skills: Proficiency in analyzing credit data, financial statements, and credit reports to identify credit risks, trends, and patterns. Strong quantitative and qualitative analysis skills are essential. Communication Skills: Good written communication skills to convey analysis findings, reports, and scores effectively. Computer Skills: Proficiency in using credit analysis software, spreadsheet applications, and data analysis tools. Knowledge of statistical software and databases is an advantage. Time Management: Ability to manage multiple report assignments, prioritize tasks, and meet deadlines in a fast-paced environment. Important Details 1. This is a full time role (9.30AM- 6PM) in Gurugram and work from office for at least 4 days a week. Only people based in Gurugram should apply. 2. We work 5 days a week and Sunday can be a workday based on customer location. Please apply only if you can work on Sunday with weekly off on Saturday and Friday. 3. We need to fill this position immediately. Please apply only if you are available to join within 15-30 days.

Job description Job Description: Credit Manager – Personal Loan Location: Hyderabad Employment Type: Full-Time Key Responsibilities: · Evaluate personal loan applications based on customer profiling, creditworthiness, and policy guidelines. · Conduct credit appraisal and risk assessment of loan files received from the sales team. · Ensure adherence to internal credit policy and regulatory guidelines. · Coordinate with sales, operations, and legal teams to ensure timely processing of loans. · Recommend or approve loans within delegated authority limits. · Monitor portfolio quality and highlight early warning signals. · Conduct periodic audits and reviews of loan files to ensure compliance. Desired Candidate Profile: · Graduate/Postgraduate in Finance, Commerce, or related field. · 2-5 years of relevant experience in personal loan underwriting or credit management. · Strong analytical skills and decision-making ability. · Working knowledge of credit bureau reports (CIBIL, Experian, etc.). · Prior experience with NBFCs/Banks preferred. · Good communication and coordination skills. We have drive on Monday for face-to-face. Interested candidates can share their resume on neha.pawar@huntsmenbarons.com or WhatsApp on 9109961225. Job Type: Full-time Pay: ₹500,000.00 - ₹600,000.00 per year Work Location: In person Speak with the employer +91 9109661225

Divisional Overview JOB DESCRIPTION The Risk Division is a team of specialists charged with managing the firm’s credit, market, liquidity, and operational risk. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The division is ideal for collaborative individuals who have strong ethics and attention to detail. Department Overview Credit Review provides independent, objective and timely assurance to the Board, senior management, and regulators on the effectiveness of the Credit Risk function by independently challenging and monitoring the adequacy of Credit Risk’s ratings, risk management processes and controls, and assessing the level of compliance with applicable policies and regulations. The group reports to the Chief Risk Officer (CRO) and is independent from Credit Risk. Key Responsibilities As a member of Credit Review, you will be part of a team that conducts systematic reviews of wholesale credit portfolios, analyzing counterparty credit quality in order to determine the accuracy of risk identification in the portfolio as well as the adequacy of documentation, administration, policies, and procedures. You will participate in industry reviews as well as perform continuous monitoring on assigned industry sectors. Industry Reviews Prepare detailed, independent analysis on individual credits in adherence with established Credit Review procedures and regulatory guidance. Document conclusions clearly and concisely. Evaluate adequacy of analysis completed by Credit Risk including, among other things, accuracy of credit ratings, timeliness of any rating changes, identification of potential credit weaknesses, and adherence to applicable policies and procedures, laws and regulations Continuous Monitoring Perform ongoing surveillance of assigned industry sectors, staying informed of trends / credit-related activities and identifying emerging risks Prepare quarterly reports assessing the industry portfolio’s overall risk Basic Qualifications Bachelor’s degree 0-3 years’ experience in credit analysis, ratings analysis, corporate finance and/or research Experience in corporates, industrials, energy, technology / media / telecom, commercial real estate, asset secured lending and counterparty credit risk is a plus Experience with internal audit or credit/loan risk review process is beneficial Knowledge of banking regulations related to lending and risk management is beneficial Functional background or relevant experience in finance and accounting Knowledge of lending products, as well as capital markets/traded products Understanding of credit/loan documentation is beneficial Effective organizational skills and the ability to manage multiple assignments concurrently Highly motivated, adaptable, and able to learn quickly Strong analytical and communication skills Ability to function efficiently in a team environment Competencies Functional Expertise - Keeps up-to-date with emerging business, economic, and market trends Technical Skills - Demonstrates strong technical skills required for the role, exhibits attention to detail, takes initiative to broaden his/her knowledge and demonstrates appropriate financial/analytical skills Drive and Motivation - Successfully handles multiple tasks, takes initiative to improve his/her own performance, works intensely towards challenging goals and persists in the face of obstacles or setbacks Teamwork – Collaborates effectively with other people within and across teams, encourages other team members to participate and contribute and acknowledges other’s contributions Communication Skills - Communicates what is relevant and important in a clear and concise manner and shares information/new ideas with others Judgement and Problem solving - Thinks ahead, anticipates questions, plans for contingencies, finds alternative solutions and identifies clear objectives. Sees the big picture and effectively analyzes complex issues Creativity/Innovation - Looks for new ways to improve current processes and develops creative solutions that are grounded in reality and have practical value Influencing Outcomes - Presents sound, persuasive rationale for ideas or opinions. Takes a position on issues and influences other’s opinions and presents persuasive recommendations About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2023. All rights reserved. Goldman Sachs is an equal opportunity employer and does not discriminate on the basis of race, color, religion, sex, national origin, age, veterans status, disability, or any other characteristic protected by applicable law.

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

Req ID: 332081 NTT DATA strives to hire exceptional, innovative and passionate individuals who want to grow with us. If you want to be part of an inclusive, adaptable, and forward-thinking organization, apply now. We are currently seeking a Banking Operations Associate to join our team in Gurgaon, Haryāna (IN-HR), India (IN). "Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer's creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations. Position Details: Position: Credit Analyst Status: Full Time - Work from Office Hours: Monday - Friday, 9:00am - 8:00pm IST Department: President's Choice Financial Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Fraud and Credit Risk Review: o Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification. o Analyze conversations with applicants in real-time to assess potential fraud risk. o Document and approve requirements based on analysis of credit policies. Credit Management: o Administer and control credit terms and limits. o Perform credit limit reviews, reinstatements, and account maintenance. o Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer's requirements and ability. Customer Interaction: o Communicate directly with applicants, adhering to brand standards. o Liaise effectively with other areas impacting the Credit Department. o Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: o Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. o Ensure high levels of accuracy in report maintenance and tracking. Qualifications and Requirements: Educational Background: o Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: o Previous experience reviewing and approving credit is an asset. o Minimum of 1-2 year of customer service experience. o Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: o Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. o Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. o Ability to communicate tactfully with various levels of business management in a professional manner. o Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. o Demonstrated ability to implement change efforts. o Highly motivated with the ability to work independently in a fast-paced team environment. o Knowledge of PCs and strong keyboarding skills. o Proficiency in MS Word, Excel, and Outlook is an asset. o TSYS/ADM system knowledge is an asset. o Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department. " About NTT DATA NTT DATA is a $30 billion trusted global innovator of business and technology services. We serve 75% of the Fortune Global 100 and are committed to helping clients innovate, optimize and transform for long term success. As a Global Top Employer, we have diverse experts in more than 50 countries and a robust partner ecosystem of established and start-up companies. Our services include business and technology consulting, data and artificial intelligence, industry solutions, as well as the development, implementation and management of applications, infrastructure and connectivity. We are one of the leading providers of digital and AI infrastructure in the world. NTT DATA is a part of NTT Group, which invests over $3.6 billion each year in R&D to help organizations and society move confidently and sustainably into the digital future. Visit us at us.nttdata.com NTT DATA endeavors to make https://us.nttdata.com accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at https://us.nttdata.com/en/contact-us. This contact information is for accommodation requests only and cannot be used to inquire about the status of applications. NTT DATA is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability or protected veteran status. For our EEO Policy Statement, please click here. If you'd like more information on your EEO rights under the law, please click here. For Pay Transparency information, please click here.

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

Position: Risk Examiner (SME – Credit & Operational Risk) Location: India (Remote) Employment Type: Full-Time Schedule: Monday to Friday, Day Shift Experience: 3+ Years in Risk Assessment, BFSI Sector Preferred Company Description Scry AI is at the forefront of AI-powered decision intelligence platforms designed for Banking, Financial Services, and Insurance (BFSI) enterprises. Our solutions help automate risk assessment, credit evaluation, compliance, and internal audit workflows by combining deep domain knowledge with advanced AI, document processing, and predictive analytics. We are looking for an experienced Risk Examiner to join us as a Subject Matter Expert (SME). This role will help shape intelligent risk management modules across our AI platforms, with a focus on credit, operational, and compliance risk evaluation. Role Overview As a Risk Examiner (SME - Credit & Operational Risk) at Scry AI, you will bring deep expertise in risk identification, assessment frameworks, and regulatory standards to ensure that our AI tools reflect real-world banking and insurance risk processes. You’ll collaborate with product teams to embed risk logic into automated workflows and work closely with clients to align solutions with their governance needs. Key Responsibilities 1. Risk Domain Expertise & Framework Development Provide subject matter expertise across risk categories such as credit, operational, compliance, and reputational risk. Translate regulatory frameworks (e.g., Basel III, SOX, IRDAI norms) into structured workflows for automation. Define field-level data checks, thresholds, red flags, and early warning indicators for risk evaluation. 2. Product Co-Creation & Logic Design Collaborate with product managers and data scientists to define rules for creditworthiness scoring, risk rating models, and exception monitoring. Design templates for risk assessment reports, internal controls, and audit-ready documentation. Validate outputs of AI-based risk engines for accuracy, traceability, and regulatory alignment. 3. Risk Review Automation & Audit Support Support automation of risk review processes for loan files, policy documents, financial statements, and KYC records. Help identify anomalies, policy breaches, or missing documents using AI and document intelligence. Assist with audit trail generation and compliance documentation for enterprise deployments. 4. Client Engagement & Industry Alignment Work with clients to understand their risk governance models and align AI capabilities accordingly. Participate in UAT, feature planning, and requirement gathering for client-specific risk modules. Monitor emerging risk practices, regulatory updates, and benchmarks to evolve product design. Required Qualifications & Skills 3+ years of experience in risk examination, credit analysis, compliance, or internal audit, preferably in BFSI. Deep understanding of risk scoring models, credit risk matrices, operational risk assessments, and controls testing. Familiarity with risk and compliance systems (e.g., SAS, Moody’s RiskCalc, Actimize, RSA Archer). Knowledge of regulatory frameworks (Basel, RBI, IRDAI, SEBI, AML/KYC) and risk rating standards. Experience working with large volumes of financial and operational data. Strong analytical, documentation, and communication skills. Our Ideal Candidate Understands both strategic and operational aspects of risk management. Can bridge the gap between compliance teams and technical product developers. Is motivated to modernize legacy risk processes using AI and automation. Brings a consultative mindset to client engagements. Has a strong attention to detail and passion for structured, auditable systems.

Company Description Paschim Fintech is a collaborative venture formed by technocrats, financial advisors, and industrialists based in Gujarat. With ties to companies such as Paschim Insurance Services, Platina Vitrified Pvt Ltd, and Pengvin Ceramic, we are rooted in the industrial hub of Morbi. Morbi hosts over 1,000 tile manufacturers with an annual turnover of 50,000 crores. Paschim Fintech has developed a dealer finance platform that offers manufacturers a safer credit solution, ensuring the creditworthiness of dealers through supply chain finance. Our goal is to partner with banks and NBFCs for B2B supply chain finance and structured finance solutions. Role Description This is a full-time, on-site role for a Business Development Manager (BDM) based in Rajkot. The BDM will be responsible for identifying and developing new business opportunities, building and maintaining client relationships, and promoting Paschim Fintech's financial services. Day-to-day tasks include market research, sales presentations, negotiating deals, and collaborating with internal teams to ensure client satisfaction. The role also involves meeting sales targets and contributing to the company's growth strategy. Qualifications Strong understanding of Corporate & Commercial Banking products like Working Capital Finance, Import/Export Finance, Term Loans, and Project Finance Experience in supply chain finance, bill discounting, and structured finance Excellent communication, negotiation, and relationship-building skills Ability to conduct market research and analyze business opportunities Proven track record of meeting sales targets and driving business growth Bachelor’s degree in Finance, Business Administration, or related field; MBA preferred Experience in the financial sector, particularly with banks or NBFCs, is an advantage