712 Creditworthiness Jobs - Page 25

Senior Data Analyst, Accion Advisory Job ID 2420 Company Accion India, Mumbai About Accion: Accion is a global nonprofit on a mission to create a fair and inclusive economy for the nearly two billion people who are failed by the global financial system. We develop and scale responsible digital financial solutions for small business owners, smallholder farmers, and women, so they can make informed decisions and improve their lives. Through targeted investment strategies, advisory solutions, and expert thought leadership, we work with local partners to develop and scale cheaper, more accessible, and customer-friendly financial solutions. Since 1961, Accion has helped build 267 financial service providers serving low-income clients in 75 countries, reaching 440 million people. More at https://www.accion.org . About Accion Advisory: The Accion Advisory team combines decades of on-the-ground experience with insights into new technologies to help our partners become more sustainable and scalable. We work with a variety of organizations focused on serving the financial needs of low-income people and businesses in emerging markets. With a presence in Africa, Asia, and the Americas, our team provides strategic and operational support to strengthen our partners and maximize their impact on underserved customers. Our team is comprised of Regional Program Managers (RPMs) and their teams who are responsible for driving new business, bringing local context and hands on experience to meet customer needs; and Practice Area Leads who are technical area experts responsible for building the Advisory team’s expertise in core areas, driving execution excellence, and capturing synergies across technical practice areas and regions. The Practice Area Leads seek to improve efficiency and effectiveness of the execution of our engagements and to develop reusable tools and collateral for specific areas of expertise that Accion Advisory brings to all of our clients. Position Summary The Data analyst will support the development of web-based, cloud-based, and/or server-based analytic products required by the data team and will collaborate in analyzing and interpreting financial services providers data to develop actionable insights that enhance business decision-making. Also, S/he will support analysis, transformation, loading, and maintenance of the data received from the institutions, their processing for the calculation and development of the different tools required for impact and data analysis, conducting process mapping, and building data models to support financial services strategies. This role includes collaborating with the team of data scientists in creating models to segment clients’ profiles and predict probability of default. The ideal candidate will have a strong background in working with credit data, experience in developing analytical models, and the ability to translate complex data into meaningful insights. The position will be based in India. Position Responsibilities Data Analysis & statistical Models: Analyse large datasets to identify trends, patterns, and insights related to creditworthiness, repayment behavior, and financial performance. Collaborate with business teams to design and refine predictive models that enhance lending and collection efficiency. Process Mapping & Optimization: Map and document existing financial services processes, identifying bottlenecks and areas for improvement. Work with stakeholders to streamline data flows and optimize data collection, storage, and retrieval processes. Provide insights on how to improve data quality and accuracy through process improvements. Data Management & Reporting: Clean, validate, and manage credit and financial services datasets to ensure accuracy and consistency. Create and maintain dashboards and reports using visualization tools (e.g., Power BI) to monitor key performance indicators (KPIs). Deliver actionable insights through regular reports and presentations to internal stakeholders. Position Qualifications Required: 4+ years of overall experience. Including 2+ years of experience as a Data Analyst in financial services, preferably with exposure to credit data and collections. Hands on expertise in credit and collection scoring models using statistical and machine learning techniques. Strong skills in SQL, Python, or R for data extraction, analysis, and modelling. Experience of working on AWS or Azure platforms is a plus. Strong expertise in data visualization using Power BI or similar tools. Familiarity with financial services processes, including lending, collections, and credit risk management. Excellent analytical and problem-solving skills, with the ability to interpret and present complex data clearly. Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint). Strong communication skills, with the ability to collaborate effectively with both technical and non-technical stakeholders. Preferred: Experience with statistical modelling and predictive analytics. Knowledge of regulatory requirements related to credit data and financial services. Familiarity with industry benchmarks and best practices for credit risk assessment. Certification in data science, financial analytics, or a related field. Travel Requirements Willingness and ability to travel 20% of the time. Accion is an equal opportunity employer. We are committed to a diverse and inclusive workplace culture. Accion seeks qualified applicants without regard to race, color, gender, sex, age, religion, creed, national origin, ancestry, citizenship, marital status, sexual orientation, physical or mental disability, medical condition, military and veteran status, gender identity or expression, genetic information, change of sex or transgender status, or any other basis protected by law. Accion is committed to providing reasonable accommodations to applicants with disabilities. Show more Show less

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. Basic Qualifications Qualified CA in Nov 2024 Strong communication skills Strong analytical skills and attention to detail Basic industry knowledge Proficiency in Microsoft Office products, in particular Excel KEY ADVANTAGES Career advancement Collaborative and supportive work environment Apprenticeship culture Exposure to different areas and banking industry insights Networking opportunities 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., 2024. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Female/Minority/Disability/Veteran/Sexual Orientation/Gender Identity Show more Show less

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

Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation And Due Diligence Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication And Reporting Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelor’s degree in finance, Accounting, Economics, or related field required, master’s degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals. Show more Show less

Job Title: Credit Manager Department: Credit & Risk Location: Noida Sector 75, Spectrum Metro Mall, Phase-II Industry: Financial Services Minimum Exp: 5 to 8 yrs Salary: Up to 8LPA Company Website: www.directcredit.in Cont: 9773593871. Job Summary: We are looking for a reliable and experienced Credit Manager to oversee the credit assessment and loan approval process for HL, LAP & MSME loans . The Credit Manager will play a critical role in evaluating customer financials, mitigating risks, and ensuring portfolio quality while complying with regulatory guidelines and internal policies. Key Responsibilities: · Assess creditworthiness of potential customers based on financial statements, income documents, CIBIL reports. · Evaluate loan applications and make informed recommendations or approvals within delegated authority. Able to handle the big-ticket size (our ticket size is start from 50L) · Ensure timely processing and disbursement of loans with strict adherence to company policies and compliance norms. · Monitor loan portfolio performance, identify delinquent accounts, and initiate corrective actions. · Coordinate with the sales and collections team for seamless operations. · Maintain proper documentation and records for audits and regulatory inspections. · Analyze market trends, customer segments, and competitor offerings to suggest improvements in credit policy. Key Requirements: · Bachelor’s degree in Finance, Accounting, Economics, or a related field (MBA preferred). · 5–8 years of experience in credit underwriting, preferably in the loan/financial services sector HL, LAP & MSME. · Strong understanding of credit risk analysis, financial ratios, and regulatory norms (RBI, NBFC guidelines). Show more Show less

Job Purpose and Impact The Credit Specialist will prepare credit reports of corporates and vendors by analyzing financial statements, ratios and risk involved in counterparty analysis. In addition to this, underwriting and risk assessment are major responsibilities of this job. Key Accountabilities Preparing credit reports and analyzing company financial statements. Coordinating with internal stakeholders, such as sales teams. Assess the creditworthiness of counterparties and justify on their decision to commercial teams. Review credit proposals to guarantee accurate decision making by leaders in accordance with guidelines, ensuring compliance with regulations and internal policies. Monitor counterparties and anticipate the potential impact of market events on the business environment. Ensure accurate reporting of exposures within approved limits. Participate in performing new business migration activities and processes. Foster relationships with senior staff and handle queries in a timely manner. Nurture relationships with peers and colleagues and participate in special projects to drive efficiency. Handle basic issues and problems under direct supervision, while escalating more complex issues to appropriate staff. Qualifications Preferred Qualifications Excellent analytical thinking skill will have an added advantage. Knowledge of Power BI and Tableau will be an added advantage. Candidates who can handle various tasks with due diligence will be preferred. Work experience in credit agencies or bureaus will be an added advantage (Ex, Moody’s, CRISIL, ICRA, etc.) Relevant experience in credit analysis domain, and Corporate Credit Analysis background will be preferred. Show more Show less

Key Responsibilities : Evaluate loan applications and documentation for accuracy and completeness. Assess the creditworthiness of potential borrowers using financial data, credit reports, and internal criteria. Explain different types of loans and credit options to applicants. Guide clients through the loan process from application to closing. Ensure compliance with all banking regulations and internal policies. Maintain accurate records and update client files regularly. Meet or exceed loan sales targets and KPIs. Build and maintain relationships with clients to encourage repeat business and referrals. Collaborate with internal departments such as underwriting, customer service, and collections. Requirements : Bachelor’s degree in Finance, Accounting, Business Administration, or a related field. Proven experience in lending, banking, or a financial sales environment (typically 1–3 years). Strong knowledge of loan products and financial regulations. Excellent communication, interpersonal, and negotiation skills. Attention to detail and analytical thinking. Ability to work under pressure and meet deadlines. Preferred Skills : Knowledge of financial software systems (e.g., LOS, CRM tools). Certification in credit analysis or a related field (optional). Multilingual abilities (if relevant to the client base). Job Types: Full-time, Permanent Pay: ₹12,000.00 - ₹15,000.00 per month Benefits: Cell phone reimbursement Paid time off Provident Fund Supplemental Pay: Commission pay Performance bonus Yearly bonus Application Question(s): are you willing work in target based job Work Location: In person Speak with the employer +91 7799789895

Company: SMC Investments and Advisors Position : Debt Syndication Manager (Business Development) – Corporate Finance Location : Pusa Road, New Delhi Compensation : As per company norms Job Description1. Client Requirement Analysis & Financial Evaluation Conduct initial appraisal of potential borrowers, evaluating funding requirements and business models. Assess applicant creditworthiness through detailed background research and financial analysis. Engage with client company officials to assess eligibility and gather financial insights. Prepare Investment Memorandums (IMs) including: Executive Summary Existing Debt Structure & Banking Relationships Client’s Funding Requirements Financial Models & Projections Summary of Terms & Conditions Industry Overview Understand and identify client needs; recommend optimal financing options and loan structures. Structure proposals and shortlist appropriate financial institutions tailored to client needs. Build strong referral networks and explore cross-selling opportunities. Foster long-term client relationships through trust and effective financial advisory. 2. Client Interaction & Proposal Follow-up Maintain consistent communication with clients to clarify documentation and proposal details. Assess client eligibility, provide feedback, and present well-argued funding recommendations. Finalize loan contracts; ensure clients understand terms, conditions, and responsibilities. Stay updated on lending products, financial instruments, and industry best practices. Keep accurate and up-to-date client records and proposal documentation. 3. Liaison with Financial Institutions & Partners Coordinate with Banks, NBFCs, and associate consultants for proposal execution. Prepare detailed presentations and proposal documents for funding institutions. Address and resolve queries from financial institutions regarding client proposals. Schedule and facilitate meetings between clients and funding institutions. Ensure smooth communication and coordination among clients, financial institutions, and associate partners. 📧 Apply: kanikas@smcinvestments.co.in 📲 WhatsApp: 9560886598 Show more Show less

Help Shape Our Financial Decisions as a Credit Analyst! About Us: Soul AI is a pioneering company founded by IIT Bombay and IIM Ahmedabad alumni, with a strong founding team from IITs, NITs, and BITS. We specialize in delivering high-quality human-curated data, AI-first scaled operations services, and more . Based in Hyderabad, we are a young, fast-moving team on a mission to build AI for Good, driving innovation and positive societal impact. We are looking for a Credit Analyst to evaluate creditworthiness, assess risk, and provide valuable insights for lending and investment decisions. You will analyze financial data and market conditions to help mitigate risks and make informed credit decisions. Key Responsibilities: Analyze financial statements and credit reports to assess the credit risk of potential clients. Develop credit models to predict financial outcomes. Monitor and review clients' financial performance. Provide recommendations for credit approvals, limits, and terms. Assist in managing credit risk strategies and improving collection efforts. Key Skills & Experience: Proven experience as a Credit Analyst or in financial analysis. Strong understanding of credit risk analysis and financial reporting. Ability to work with large datasets and perform financial modeling. Excellent analytical, decision-making, and communication skills. Why Join Us? Competitive pay (Up to ₹1200/hour). Flexible hours. Remote opportunity NOTE: Pay will vary by project and typically is up to Rs. 1200 per hour (if you work an average of 3 hours every day - that could be as high as Rs 90K per month) once you clear our screening process. Show more Show less

About The Role Grade Level (for internal use): 13 About the Role : Director, Data Engineering Manager S&P Global Ratings is seeking for an experienced leader to head our data engineering teams within the Data Services group, a collaborative team of data and technology professionals dedicated to shaping and executing the strategic data roadmap for S&P Global Ratings. This position is based out of Hyderabad, India. The successful candidate will play a key role in designing and building our data engineering platforms, contributing to the design and deployment of advanced engineering and machine learning solutions. We look forward to welcoming a leader who can drive innovation and excellence within our teams. The Team : Join the Rating Organization’s Data Services Product Engineering Team, known for its expertise in critical data domains and technology stacks. This team values knowledge sharing, collaboration, and a unified strategy to build S&P Ratings' next-gen analytics platform. Members provide leadership, innovation, and articulate business value, contributing to a unique opportunity to evolve the platform. Responsibilities And Impact Lead and manage multiple engineering teams across different time zones, ensuring effective collaboration and communication. Provide technical guidance and mentorship in data engineering and microservice architecture. Drive the development and implementation of best practices in software engineering. Collaborate with cross-functional teams to align engineering efforts with business goals and objectives. Cultivate a positive team environment that encourages innovation, creativity, and open communication. Influence stakeholders and team members to embrace new technologies and methodologies. Monitor team performance, providing constructive feedback and coaching. Stay abreast of industry trends and emerging technologies to inform strategic decisions. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Enhance team productivity and efficiency through effective leadership and mentorship. Drive innovation in engineering practices that align with business objectives. Ensure high-quality deliverables that meet or exceed stakeholder expectations. Strengthen collaboration across global teams, improving overall project outcomes. Foster a culture of continuous learning and improvement across engineering teams. What We’re Looking For Basic Required Qualifications: Bachelor's degree in Computer Science, Information Systems or Engineering is required Proficient with software development lifecycle (SDLC) methodologies like Agile, Test-driven development 15+ years of experience with 8+ years designing enterprise products, modern data stacks and analytics platforms 8+ years of hands-on experience contributing to application architecture & designs, proven software/enterprise integration design patterns and full-stack knowledge including modern distributed front end and back-end technology stacks 8+ years full stack development experience in modern web development technologies, Java/J2EE, UI frameworks like Angular, React, data lake systems like Databricks using AWS cloud technologies and PySpark, SQL, Oracle, NoSQL Databases like MongoDB Thorough understanding of distributed computing Experience designing transactional/data warehouse/data lake and data integrations with big data eco system leveraging AWS cloud technologies Passionate, smart, and articulate developer Exp. with frameworks such as Angular, React JS, Durandaljs, Knockoutjs, React and Bootstrap.js Quality first mindset with a strong background and experience with developing products for a global audience at scale Excellent analytical thinking, interpersonal, oral and written communication skills with strong ability to influence both IT and business partners Superior knowledge of system architecture, object-oriented design, and design patterns. Good work ethic, self-starter, and results-oriented Excellent communication skills are essential, with strong verbal and writing proficiencies Additional Preferred Qualifications Experience working AWS Experience with SAFe Agile Framework Bachelor's/PG degree in Computer Science, Information Systems or equivalent. Hands-on experience contributing to application architecture & designs, proven software/enterprise integration design principles Ability to prioritize and manage work to critical project timelines in a fast-paced environment Excellent Analytical and communication skills are essential, with strong verbal and writing proficiencies Ability to train and mentor About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 10 - Officials or Managers (EEO-2 Job Categories-United States of America), IFTECH103.2 - Middle Management Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 310030 Posted On: 2025-05-07 Location: Hyderabad, Telangana, India Show more Show less

Company Description Greenfinch Global Consulting (GFGC) is revolutionizing the Indian lending industry with a pioneering unified lending services utility. Our unique offering integrates field services across multiple domains with a cutting-edge technology platform, serving the essential needs of lending institutions such as banks and NBFCs across India. Established by Mr. Sushil Kumar Agarwal, a leader in the BFSI domain, GFGC stands out due to its world-class technology, governance framework, and pan-India distribution. The company's offerings are unmatched in the industry due to the founding team's immense experience and execution excellence. Role Description This is a full-time, on-site role located in Amritsar for a Credit Manager. The Credit Manager will be responsible for overseeing the credit granting process, including assessing the creditworthiness of potential customers, conducting financial analyses, and managing credit risk. Day-to-day tasks include credit assessment, monitoring risk, and reporting to senior management on credit performance. The role demands effective communication with clients and internal teams to ensure the smooth operation of credit activities. Qualifications Credit Management and Credit skills Credit Risk Management skills Strong Analytical Skills Finance knowledge Excellent written and verbal communication skills Ability to work independently and collaboratively Experience in the banking or financial services industry is a plus Bachelor's degree in Finance, Accounting, Business Administration, or a related field Show more Show less

Job Title: Credit Controller Work Location: Wiz freight, Leela Business Park, 702, 7th Floor, Near Airport Road Metro Station, Andheri (East) - Mumbai – 400059. Job Summary: The Credit Controller will be responsible for managing the credit and collection process, ensuring timely payments from customers, and minimizing outstanding debt for PAN India basis. "The candidate should have experience as a Credit Controller, mandatorily from the logistics or a freight forwarding Industry" Responsibilities: Credit Assessment: Evaluate the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and payment history. Credit Limit Management: Establish and monitor credit limits for customers based on their creditworthiness and payment behavior. Invoice Management: Ensure accurate and timely invoicing to customers. Collections: Proactively follow up with customers regarding outstanding payments, utilizing various communication methods (phone, email, etc.). Payment Processing: Monitor and record customer payments, reconciling them with outstanding invoices. Doubtful Debt Management: Identify and escalate potentially uncollectible accounts, working with the team to develop recovery strategies. Reporting: Prepare regular reports on outstanding receivables, aging analysis, and collection performance. Customer Relationship Management: Build and maintain strong relationships with customers, addressing their payment inquiries and resolving any disputes. Process Improvement: Identify and implement improvements to the credit and collection process to enhance efficiency and minimize risk. Compliance: Ensure adherence to company policies and procedures related to credit and collections. Collaboration: Work closely with the sales, finance, and customer service teams to ensure smooth and efficient order processing and payment collection. Qualifications: Bachelor's degree in Finance, Accounting, or a related field. The candidate must have 3 to 4 years of experience as a Credit Controller, mandatorily from the logistics or a freight forwarding Industry. Strong understanding of credit and collection principles and practices. Excellent analytical and problem-solving skills. Excellent communication (written and verbal) and interpersonal skills. Proficiency in MS Office Suite, especially Excel. Experience with ERP systems (e.g., SAP, Oracle) is a plus. Ability to work independently and as part of a team. Strong attention to detail and accuracy. Show more Show less

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

Role: Sales Manager Exp: 3-5 Years Location: Ahmedabad 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 analyze Show more Show less

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 Asset and Wealth Management (AWM) Controllers is part of the broader Controller Division which is a global team responsible for ensuring the accuracy of the financial and regulatory information of the firm and for funds managed by the firm. As well as managing both internal and external financial reporting, our expertise plays a key role in the firm's business planning decisions around allocation of scarce financial resources such as capital and balance sheet. We partner with the business in providing advice on accounting, valuation, capital, liquidity, reputational risk and other regulatory considerations when executing business with our clients. Controllers is ideal for individuals who want to work and learn within our strong culture of teamwork and collaboration and who are motivated by opportunities for challenging project work. Job Summary And Responsibilities Preparing the daily profit and loss account for the business, involving an assessment of the nature of revenue generated in the context of market moves and risk held as well as reconciliation between front office systems, sub-ledger and the firm's general ledger. Performing periodic independent valuation reviews for less liquid assets held by the firm and alternative investment funds managed by the firm. This ranges across private equity, private credit and real estate assets. Participate in strategic initiatives to improve process flows and analysis as well as proactively seeking opportunities to improve workflows. Preparing monthly accounts for posting to the firm's general ledger and producing/reviewing relevant external disclosures. Interact effectively and pro-actively with the business to solve accounting issues and facilitate financial information flows which form the basis of commercial decisions. Developing an in-depth knowledge of products and market awareness. Ensuring compliance with all the Firm's financial reporting requirements. Preparing, analyzing, reviewing and presentation of investments on the daily balance sheet. Understanding of the impact of Regulatory rules on the business's activity. Facilitating the smooth running of audits for the funds and the firm's holding entities. BASIC QUALIFIACTION Qualified CA/CFA with maximum 7 years of experience Knowledge of valuation techniques for Private Equity Intellectual curiosity and interest in financial markets/products, particularly less liquid alternative investments. Strong analytical skills and an aptitude for problem solving. Track record of improving processes and adding value to clients/stakeholders. Ability to successfully handle multiple tasks and take initiative to improve own performance. Excellent communication skills with the ability to communicate what is relevant and important in a clear and concise manner. Experience in preparation of audited financial statements under USGAAP, UKGAAP or IFRS is beneficial but not essential. 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., 2025. 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. Show more Show less

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Analyst Qualifications: Master of Business Administration/CA Inter/ICWA(Inter) Years of Experience: 3 to 5 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? Financial Analysis Strong analytical skills Written and verbal communication Problem-solving skills Should be able to review the US financial statements of the borrowers/guarantors, calculate/interpret the financial ratios. Understand and Analyze the company / borrower performance based on financials, cashflow, and other secondary information Understand the type of facilities and exposure of the borrower to asses the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance. Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp way Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Master of Business Administration,CA Inter,ICWA(Inter) Show more Show less

Location- Mumbai - Govandi (Chembur) Overview of the Job: We are looking for a credit risk professional with excellent communication who will be joining a dynamic and fast-paced environment. As part of your role, you will be working with cross-functional teams and build ongoing relationships that will also deliver the company’s vision and strategy. Overview of the Function: The Credit team is responsible for detailed risk evaluation of clients and discussion with management/bankers of borrowers, preparation of CAN (Credit Appraisal Note), discussion with internal stakeholders, and ongoing account monitoring. Best things about the job: • Working in a highly entrepreneurial setup with a visionary team passionate to help scale new heights of business success. • Exposure to exploring limitless possibilities and ideas no matter how impossible they may seem today. • CredAble thrives on transparency and a culture to nurture growth. • Being part of CredAble enables you to push beyond the ordinary. Your Role at CredAble • Conducting detailed research on the financial history of businesses and individuals to determine client’s creditworthiness. • Appraising prospective clients and preparation of CAN (Credit Appraisal Note) along with financial sheet as per the prescribed format • Monitor clients’ compliance with credit terms on an ongoing basis; identify and advise early warning signals. Conduct periodic evaluation to ensure quality of accounts/portfolio. • Appraising industries and lending eco-systems and help in creating innovative lending products • Updating the management team on key developments in the lending space. • Conducting detailed research on the financial history of businesses and individuals to determine their creditworthiness. • Regular interaction with internal stakeholders (RM/Ops etc.) to be well informed of the activities related to clients • Drawing conclusions from available data (both quantitative and qualitative) regarding the creditworthiness the client. • Identify early signs of stress in any account by continuously monitoring both external and internal reports/triggers. Engage with stakeholders for flagging of risk pertaining to borrowers which are proposed to be included in EWS Qualifications Exp- 4-10 years. Having SCF , working capital knowledge MBA/CA preferred Show more Show less

Join our “Finance Team” at DHL Global Forwarding, Freight (DGFF) GSC – Global Service Centre! Job Title: Specialist – Finance (Collections) Job Grade – M Job Location: Chennai Are you dynamic and results-oriented with a passion for logistics? Join our high-performing Global Shared Services Team (GSC) at DHL Global Forwarding, Freight (DGFF); a Great Place to Work certified organization and one of the “Top 20 most admired Shared Services Organizations in 2022” by the independent global Shared Services & Outsourcing Network (SSON). We are the captive Shared Service Provider for DHL Global Forwarding and DHL Freight (DGFF). We are an organization of more than 4,600 colleagues complemented by approximately 500 virtual FTE (i.e., bots applied in process automation). Our colleagues are based across six service delivery centers in Mumbai, Chennai, Chengdu, Manila, Bogota & Budapest. You will interact with people from all over the world and get the chance to a truly international organization. As an Order to Cash Specialist, you will manage the end-to-end accounts receivable process, ensuring timely payment application, credit control, and resolution of billing issues. This role requires solid accounting knowledge, financial system expertise, and excellent communication for customer and team interaction. You will ensure record accuracy, support financial reporting, and contribute to process improvements for operational efficiency. Key Responsibilities: Efficiently apply customer payments against outstanding invoices and manage account balances. Facilitate the creation and modification of accounts for both cash and credit customers. Conduct thorough reviews and appraisals of credit applications and maintain communication with the Credit Clerk for updates and decisions. Assess creditworthiness of new customers, determine appropriate credit limits, and oversee the creation and updates of customer credit details in the system. Regularly manage the renewal process for customer credit accounts, ensuring compliance with company policies. Implement credit holds and releases on accounts as required, following strict risk management protocols. Oversee the management of receivables and payables for foreign agents, ensuring accurate and timely transactions. Coordinate and complete month-end activities related to Accounts Receivable (AR), ensuring all financial reporting deadlines are met. Deliver a high level of service quality through timely and accurate completion of services. Collaborate with colleagues within the business to identify solutions, best practices, and opportunities to improve the service to our business partners. Flag any challenges in the operations to the immediate supervisor and business partner in a timely manner. Co-ordinate with the relevant stakeholders for regular communication and flow of information as defined for the respective service. Contribute as a subject matter expert in problem-solving and process improvement. Collaborate with business partners to enhance processes and identify best practices. Assist staff in resolving complex issues, maintain thorough process documentation, and ensure quality control. Required Skills/Abilities: Bachelor’s degree in Finance, Accounting, Business Administration, or related field. Skills Required: 1 – 3 years of relevant work experience, with a preference for candidates with a background in Accounts Receivable processes. Proficient understanding of accounting and financial principles, specifically for Accounts Receivable Experience with financial software and ERP systems, such as SAP or Oracle, is crucial for managing transactions and financial records. Familiarity with the logistics industry and shared services operations is highly preferred, enhancing the ability to navigate industry-specific financial practices. Work experience in logistics or shared services operations is preferred. Apply now and embark on an exciting journey with us! We offer: We recognize and reward your hard work through a competitive compensation and performance-based incentive. We empower you to learn and grow through training that gives you the knowledge, skills, and abilities to develop into your role and a great range of resources to support your future career aspirations & personal development. Flexible work arrangements to support work/life balance. Generous paid time off: Privilege (earned leave). Comprehensive medical insurance coverage including voluntary parental cover (applicable for IN only) Recognition & Engagement culture By joining one of the world's leading logistics companies, you have a chance to explore a wide range of interesting job challenges and opportunities across our GSC service lines and in our different divisions around the globe. Show more Show less

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 2-4 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. Show more Show less

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. Basic Qualifications Qualified CA /CFA/CMA Basic industry knowledge and strong accounting knowledge. Knowledge of US GAAP & IFRS is a plus. Strong communication and interpersonal skills Strong analytical skills Strong knowledge of Microsoft Office products, tools and utilities for business use COMPETENCIES Candidate must be proactive, enthusiastic and team oriented Ability to prioritize and make decisions in a fast-paced environment Accuracy and attention to detail 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., 2025. All rights reserved. Show more Show less

Job Title: Relationship Officer - Microfinance Department: Business Operations Location: Karnataka Report To: Branch Manager/Area Manager Job Purpose: To acquire, manage, and nurture client relationships while promoting microfinance products (loans, savings, insurance) to underserved segments. Responsible for portfolio quality, client education, and achieving business targets. Key Responsibilities: 1. Client Acquisition & Relationship Management o Identify and onboard new clients (individuals/SHGs) through field visits. o Conduct door-to-door marketing of microfinance products. o Build trust with clients and address queries regarding loans/repayments. 2. Loan Processing & Documentation o Collect and verify KYC documents (Aadhaar, PAN, income proof). o Screen applicants, assess creditworthiness, and recommend loan approvals. o Ensure accurate data entry in the MFI’s core banking system. 3. Portfolio Monitoring o Track repayments, follow up on defaults, and maintain <5% PAR (Portfolio at Risk). o Conduct weekly/monthly group meetings for collections and financial literacy. 4. Compliance & Reporting o Adhere to RBI/NBFC-MFI regulations (fair practices, pricing caps). o Submit daily reports on disbursements, collections, and client feedback. 5. Cross-selling & Financial Literacy o Promote insurance, savings, and other microfinance products. o Educate clients on loan terms, interest rates, and repayment discipline. Qualifications & Skills: Education: PUC / ITI/ Graduate (Any stream. Experience: Fresher / 1 years in microfinance, banking, or field sales. Skills: o Fluency in local language + basic English. o Strong negotiation and interpersonal skills. o Two-wheeler license (for field travel). Job Types: Full-time, Permanent, Fresher Pay: From ₹24,000.00 per month Benefits: Food provided Health insurance Leave encashment Life insurance Paid sick time Provident Fund Schedule: Weekend availability Supplemental Pay: Commission pay Performance bonus Quarterly bonus Application Question(s): Will you do field Work __ _ Willingness to travel: 75% (Preferred) Work Location: In person Speak with the employer +91 8130470063

📢 If you are looking for an exciting opportunity, join us at the Walk-in Drive! HCL is hiring for Associate / Senior Executive roles, and we are conducting a Walk-in Drive in Bengaluru (Karle) . 📅 Walk-in Drive Details: 📍 Location: HCL TECH, Bengaluru (Karle) ( Address: SEZ hub, DadaMastan Layout, Karle Tech Park, Nagavara, 1, Veeranapalya, Karle Town, Bengaluru, Karnataka 560024) 🗓 Date: 30th May, Friday & 31st May Saturday ⏰ Time: 11:00 AM – 2:00 PM Contact HR SPOC – Vignesh Baskaran Job Opportunity: Associate / Senior Executive 📍 Location: Bengaluru (Karle) 🕒 Shift Timing: 7:00 AM – 5:00 PM (IST) 📂 Domain: Australian Mortgage Underwriting 🏢 Work Model: Work from Office (WFO) Start date : Immediate joiners only Job Summary: The ideal candidate will be responsible for auditing loans underwritten by credit officers to ensure compliance with bank policies, guidelines, and regulatory requirements. This involves reviewing loan applications, assessing documentation accuracy, verifying lending criteria, and identifying any discrepancies. Responsibilities: ✔ Analyzing customer financial positions, employment history, credit history, and ability to repay. ✔ Understanding and applying the 4 C’s of Credit effectively. ✔ Ensuring compliance with regulatory and company guidelines . ✔ Assessing credit risk and determining loan approval/decline decisions. ✔ Applying lending/credit policy, mortgage insurance guidelines, and risk assessment principles. ✔ Communicating with external stakeholders, including Brokers/Lenders . ✔ Demonstrating strong customer-centric communication skills . Core Responsibilities: ✔ Loan Application Assessment ✔ Creditworthiness Evaluation ✔ Income Verification ✔ Risk Analysis ✔ Property Valuation Review ✔ Reviewing Loan-to-Value Ratio (LVR) ✔ Approval or Declination of Loans ✔ Fraud Detection Skills & Qualifications: ✔ Knowledge of Responsible Lending Obligations ✔ Understanding of APRA and ASIC regulations ✔ Strong analytical and financial assessment skills ✔ Excellent attention to detail and time management ✔ Effective communication & stakeholder management skills ✔ Experience with lending policies & procedures ✔ Experience with KYC process Qualification & Experience: 🎓 Education: Bachelor's or Master's degree in any field. 💼 Experience: 2+ years in Pre-underwriting, Loan Processing, Mortgage Underwriting, or Post Close Underwriting in Australian, USA, or UK mortgage domains . 💡 Must-have: Strong understanding of Australian, US, or UK lending regulations . ✅ Added Advantage: Candidates with strong communication experience with onshore clients will have an edge. Show more Show less

Experience: 3 - 7 Years Shift timing: 1.00 pm to 10.00 pm Domain: Banking and BFSI Work mode: Hybrid Notice Period: Immediate to 30 days Job Summary: We are seeking a skilled Credit Risk Modeller to develop, validate, and maintain credit risk models that assess the creditworthiness of individuals and organizations. The role involves analyzing financial data, creating predictive models, and supporting the credit decision-making process to minimize potential losses and optimize risk-adjusted returns. Key Responsibilities: Develop and implement credit risk models (e.g., Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD)) for retail and/or corporate portfolios. Conduct statistical analysis and predictive modeling using techniques such as logistic regression, decision trees, machine learning algorithms, and other quantitative methods. Collaborate with data teams to collect, clean, and preprocess data from multiple sources. Perform back-testing and validation of existing credit risk models to ensure accuracy and compliance with regulatory standards (e.g., Basel II/III). Prepare detailed documentation of modeling assumptions, methodology, and results. Provide insights and recommendations to credit risk managers and business stakeholders to improve risk management strategies. Stay up to date with industry best practices, regulatory requirements, and emerging trends in credit risk analytics. Participate in internal and external audits related to credit risk models. Support stress testing and scenario analysis for credit portfolios. Qualifications: Strong experience 3+ years in credit risk modeling, preferably in banking or financial services. Bachelor’s or Master’s degree in Finance, Economics, Statistics, Mathematics, Data Science, or related quantitative discipline. Proficiency in statistical and modeling tools such as SAS, R, Python, SQL, or equivalent. Good understanding of credit risk concepts and regulatory frameworks (Basel Accords, IFRS 9). Strong analytical skills with attention to detail and problem-solving ability. Excellent communication skills for explaining complex technical information to non-technical stakeholders. Experience with big data tools and machine learning techniques is a plus. Familiarity with credit risk software platforms is advantageous. Show more Show less

About Us: Efficient Capital Labs (ECL) Location: India – Bangalore - Hybrid Job Type: Full-time About Us: Efficient Capital Labs (ECL) is a VC backed, innovative fintech company headquartered in the US with a subsidiary in Bangalore, India. At ECL, our vision is to enable border agnostic access to capital for businesses in emerging markets, such as India, so that they can benefit from lower capital costs that are available in markets such as the U.S. Our mission is to innovate for businesses and solve two of their biggest challenges: access to capital and cost of capital. We offer non-dilutive capital of up to US$2.5M for a fixed annual fee, with a 12-month repayment term. We serve our customers in a fast, seamless and cost-effective manner that does not require them to spend months of time and thousands of dollars in negotiating complex equity raises through preferred stock issuance. Job Summary: We are seeking a detail-oriented and analytical professional to join our team as an Analyst. In this role, you will be responsible for reviewing and interpreting bank statements to assess financial health, identify patterns, detect irregularities, and contribute to credit and risk decision-making. And accurately extracting, interpreting, and inputting financial data from customer-provided documents into internal credit models and systems. You will work closely with underwriting, data science, and product teams to improve automation and accuracy in financial evaluations. Key Responsibilities: Banking : Analyze customer bank statements to extract and validate key financial metrics such as income, expenses, cash flow, overdrafts, and transaction trends. • Identify financial risks, anomalies, and inconsistencies that may impact lending or credit decisions. • Collaborate with underwriting teams to assess borrower eligibility and creditworthiness. • Use bank statement parsing tools and financial data platforms (e.g., Plaid, Teller) to streamline analysis. • Document findings clearly and maintain accurate records in compliance with regulatory requirements. • Support the automation of financial data extraction and contribute to the refinement of underwriting models. • Work with product and engineering teams to enhance the accuracy and usability of bank statement analysis tools. Assist in fraud detection by identifying suspicious or manipulated financial documents Financial : Spread financial statements (Income Statement, Balance Sheet, and Cash Flow) from borrower-provided documents into internal systems and models. • Normalize data across varying formats including tax returns, bank statements, audited and unaudited financials. • Review and validate financial ratios, trends, and performance indicators used in credit assessments. • Collaborate with credit analysts and underwriters to ensure accurate inputs for risk models. • Maintain financial spreading templates and assist in continuous improvement of processes and tools. • Identify discrepancies or red flags in financial data and escalate appropriately. • Ensure compliance with internal policies, regulatory standards, and data privacy requirements. Requirements : Bachelor’s degree/MBA. • Fresher or experience in financial analysis, underwriting, or a similar role in Fintech, banking, or lending. • Strong understanding of financial statements and transactional data. • Familiarity with digital bank statement formats and aggregation tools (e.g., Plaid, Teller etc). • Proficiency in Microsoft Excel or Google Sheets; experience with SQL or Python is a plus. • Strong analytical and critical thinking skills with attention to detail. • Excellent written and verbal communication skills. Nice to Have: • Prior experience in small business lending, personal finance platforms, or digital banking. • Exposure to machine learning or AI-based financial document analysis tools. • Knowledge of US financial regulations, lending standards, and consumer protection policies. What We Offer: Competitive salary and benefits package Opportunity to work with a talented team of professionals Collaborative and dynamic work environment - Professional growth and development opportunities How to Apply: If you're a motivated and experienced technical leader looking for a new challenge, please submit your resume and cover letter to nithanth@ecaplabs.com Show more Show less

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: 316545 Posted On: 2025-05-26 Location: Hyderabad, Telangana, India Show more Show less