769 Creditworthiness Jobs - Page 28

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

Job Description You will join the Risk function that provides credible challenge to the business as a second line of defense to keep the firm strong and resilient. Wholesale Credit Risk function oversee the credit risk associated with Investment Bank clients as well as the firm’s wholesale credit portfolio. As an Vice President within APAC& EMEA Structured Finance Team, you will lead the evaluation, underwriting, and management of a diverse portfolio in the Asset-Backed markets including Public ABS, Private Asset Back Financing, conduits and other SPVs. You will partner with Securitized Products, Corporate and Investment Bankers, Treasury Services and Traders to analyze, structure, risk grade, and approve credit exposures. You will be working closely with clients and internal partners to assess creditworthiness, structure financing solutions, and execute transactions. Your leadership will be crucial in fostering a culture of excellence and continuous improvement. Job Responsibilities Lead transaction execution, including due diligence, credit analysis, and review of loan agreements to assess creditworthiness and recommend appropriate structures and risk grading Engage with coverage bankers and product partners to develop structures appropriate for the risk profile of the client and/or assets to be financed Work with business colleagues to assess stress or downside credit scenarios including validating cash flow models Manage the ongoing credit risk portfolio, including monitoring credit exposures, limits, credit ratings, market events, and client performance Drive team development by managing, coaching, and training junior team members on technical and professional skills Required Qualifications, Capabilities, And Skills Masters degree in Business Administration, Finance or other quantitative disciplines or Chartered Accountant 7+ years’ experience in underwriting, structuring and portfolio management in securitization and asset backed finance Strong interpersonal and communication skills, with the ability to establish credibility and trust with stakeholders In-depth knowledge of transaction structures, documentation, and banking products, with the ability to lead deal execution Self-motivated and capable of working independently while effectively managing junior ream members ABOUT US J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. About The Team J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. 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

Company Description Equitas Small Finance Bank is a vital part of the communities we serve, providing seamless banking services to help individuals, families, businesses, and communities achieve their financial goals. Dedicated to being good neighbors, we uphold a strong legacy of philanthropy. Our mission is to transform banking with a focus on fairness and transparency. Role Description This is a full-time, on-site role based in Chennai for a Relationship Manager - Merchant Overdraft. The Relationship Manager will be responsible for managing and growing merchant overdraft accounts, maintaining customer relationships, assessing creditworthiness, processing overdraft applications, and providing financial advice to clients. The role involves close interaction with merchants to understand their financial needs and offer tailored overdraft solutions. Qualifications Strong understanding of financial products and credit assessment skills Experience in customer relationship management Excellent communication and interpersonal skills Analytical and problem-solving abilities Ability to work independently and manage time effectively Prior experience in the banking or financial sector is a plus Bachelor's degree in Finance, Banking, Business Administration, or a related field 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. 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. Job Responsibilities Broad responsibilities include the following: Safeguard the assets and reputation of the firm by controlling and supporting the investment management division, as well as ensuring that they are in compliance with the firm’s policies and with the rules/regulations that govern global financial markets Reviewing quarterly valuations and NAV for private equity funds, review yearend financial statements and perform related activities Handle reporting requirements to Senior Management and to IMD. Work closely with other divisions, including: Business Teams, Product Services, Operations, IT and Trading Divisions Work closely with fund administrators and auditors Basic Qualifications Qualified CA with experience in the alternative investment/private funds’ market and process management desired Work Experience: 8-12 years Knowledge of financial statements preparation & review; USGAAP, IFRS knowledge and experience in coordinating with Big 4 accounting firms during audit cycle is desirable. Industry knowledge and strong accounting knowledge. Accounting knowledge of financial products like Interest rate swaps, credit default swaps, currency options etc. is desired Preferred Skills Reviewing quarterly NAV for private equity funds including calculation of management fees, carried interest, partner capital allocations & complex waterfall calculations Reviewing year-end GAAP financial statements including foot note disclosures Work closely with fund administrators and auditors Strong analytical skills and detail oriented Lead a team of professionals focused on NAV and financial statements reviews 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

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. Business Unit Overview The EMEA Statistical Reporting team ensures compliance with European Central Bank regulations by working with a range of national central banks. Team is responsible for the creation, analysis and reporting of cross border cashflow statistics and securities holdings across a broad range of business types within the various regulated entities. The team is also responsible for partnering with implementation teams, driving forward various projects to develop and improve risk and control frameworks, and liaison with regulators. Job Summary And Responsbilities Responsibilities include the following: Helping the team submit recurring statistical regulatory returns to the respective regulators within the deadlines Supporting the team in analyzing and managing business activity triggering reporting changes Taking ownership of individual assigned deliverables Front to back analysis and resolution of regulatory queries Participating in the implementation of rule changes within reporting framework Drafting and developing Business Data Modelling for the strategic uplift of the reporting Supporting team with Business Intelligence tools for the data analysis Conduct unit testing and troubleshooting. Conduct data analysis, ensuring data quality through validation and quality checks. Skills And Experiences We Are Looking For Qualifications/Certifications: Masters with 9 to 12 years of experience Any Business Intelligence/ Business Modelling certification is an advantage. of industry like products, trade life cycle (must if MBA Finance) or accounting for financial products (must if CA) or regulatory reporting for such companies EMEA region like FINREP/German reporting Experiences: Regulatory reporting or corporate finance experience preferred. Knowledge in preparing business requirements for engineering preferably within regulatory space (Business Requirements, Data Requirements, Acceptance Criteria). Knowledge in data, decision and process modelling tools and data analysis (e.g. Microsoft Excel, SQL, Jira, Alteryx, BPMN, DMN, Signavio/Decision tables) would be an advantage. Skills: Ability to manage various deliverables concurrently throughout the day, within deadlines. Strong analytical skills with an ability to understand complex workflows across multiple business types required. Intellectual curiosity with willingness to learn and enhance skills as well as take on new responsibilities to deepen knowledge and experience. Strong communication skills required for interaction with cross regional teams. 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

Job Description The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. The Risk division is responsible for credit, market and operational risk, model risk, independent liquidity risk, and insurance throughout the firm. 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

Company Description IIFL Home Finance is a digitally-driven fintech service provider dedicated to unlocking affordable, sustainable housing and fostering all-inclusive growth. The company offers home loans and secured business loans with minimal documentation and approvals in just 30 minutes*. Supporting the Government’s #HousingForAll mission, IIFL Home Finance provides home loans and facilitates the Government Scheme under the Pradhan Mantri Awas Yojana. Role Description This is a full-time on-site role located in Surat for an Area Credit Manager at IIFL Home Loans. The Area Credit Manager will be responsible for credit management, credit risk management, and financial analysis to assess creditworthiness and mitigate risk for loan applicants. Qualifications Credit Management and Credit Risk Management skills Analytical Skills and Finance knowledge Strong understanding of Credit processes and procedures Experience in financial analysis and risk assessment Attention to detail and problem-solving abilities Bachelor's degree in Finance, Business, or related field Professional certification in Credit Management is a plus Show more Show less

Job Requirements Job Title: Credit Manager-Mortgage Rural Company Name: IDFC FIRST Bank Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > Retail Underwriting > Rural > Branch Credit Location: Mandi Dabwali, Haryana, India IDFC FIRST Bank is seeking a highly motivated and experienced Credit Manager-Mortgage Rural to join our Retail Banking team in Mandi Dabwali, Haryana, India. As a Credit Manager-Mortgage Rural, you will be responsible for managing the credit risk associated with mortgage loans in rural areas. Key Responsibilities Evaluate creditworthiness of potential borrowers in rural areas and make recommendations for loan approvals or denials Conduct thorough credit analysis and risk assessment to ensure compliance with bank policies and regulations Review loan applications and supporting documents to determine eligibility and creditworthiness Develop and maintain relationships with local real estate agents, builders, and other stakeholders to generate leads and increase business Monitor and manage the performance of existing mortgage loans in rural areas, including delinquencies and defaults Collaborate with other departments, such as Retail Underwriting and Branch Credit, to ensure efficient and timely processing of mortgage loans Stay updated on industry trends, market conditions, and regulatory changes related to rural mortgage lending Qualifications Bachelor's degree in Finance, Business Administration, or a related field Minimum of 5 years of experience in mortgage lending, with a focus on rural areas Strong understanding of credit risk assessment and underwriting principles Knowledge of local real estate market and regulations in rural areas Excellent communication and interpersonal skills Ability to work independently and handle multiple tasks simultaneously Proficient in Microsoft Office and other relevant software We offer a competitive salary and benefits package, as well as opportunities for career growth and development. Join our team at IDFC FIRST Bank and make a difference in the lives of our customers in rural areas. Apply now! Show more Show less

Job Requirements Job Description: Relationship Manager-Business Banking Company Name: IDFC FIRST Bank Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > Business Lending > Sales > Business Lending Location: Mumbai, Maharashtra, India IDFC FIRST Bank is seeking a highly motivated and results-driven Relationship Manager-Business Banking to join our dynamic team. As a Relationship Manager, you will be responsible for managing and growing a portfolio of business clients, providing them with exceptional service and customized financial solutions to meet their needs. Key Responsibilities Develop and maintain strong relationships with business clients, understanding their financial goals and providing them with tailored solutions to meet their needs Identify and acquire new business clients through various channels, including networking, referrals, and cold calling Conduct thorough financial analysis of clients' businesses to assess creditworthiness and determine appropriate lending solutions Collaborate with internal teams such as credit, operations, and product to ensure timely and efficient delivery of services to clients Monitor and manage the performance of the business lending portfolio, proactively identifying and addressing any potential risks Stay updated on market trends and competition to identify new business opportunities and maintain a competitive edge Qualifications Bachelor's degree in Business, Finance, or related field Minimum of 3 years of experience in business banking or commercial lending Strong understanding of financial products and services, particularly in the SME segment Proven track record of meeting and exceeding sales targets Excellent communication and interpersonal skills Ability to build and maintain strong relationships with clients and internal stakeholders Strong analytical and problem-solving skills Proficiency in MS Office and CRM software Willingness to travel within the assigned territory We offer a competitive salary and benefits package, as well as opportunities for growth and development within the organization. If you are a driven and customer-focused individual with a passion for business banking, we want to hear from you! Apply now to join our team at IDFC FIRST Bank. Show more Show less

About the job We’re looking for a detail-oriented Credit Processing Associate to support end-to-end home loan processing—from application to approval You’ll ensure accuracy, compliance, and timely FTR logins while coordinating with sales and credit teams to drive seamless loan approvals. Major Job responsibilities would be as under : Process and verify home loan applications, assess creditworthiness, and ensure documentation is complete and compliant. Coordinate with internal teams and underwriters to drive timely approvals and resolve application or credit-related issues. Communicate with customers for clarifications, updates, and missing documents, ensuring a smooth loan journey. Maintain accurate loan records, support audits, and generate reports to track processing performance. Who is an ideal fit : 1–3 years of experience in credit operations, preferably in home loans within fintech, banks, or NBFCs. Strong knowledge of loan documentation, credit assessment, and compliance. Detail-oriented, well-organized, and proficient in MS Office and loan management tools. Effective communicator with the ability to manage multiple files in a fast-paced environment. Bachelor’s degree in Finance, Commerce, or related field. Job Type: Full-time Pay: ₹30,000.00 - ₹35,000.00 per month Benefits: Health insurance Provident Fund Schedule: Day shift Application Question(s): How many years of experience do you have in Credit Analyst? How many years of experience do you have in Home loan & LAP? Do you have experience in Login Process? Do you know about CAM? Location: Andheri East, Mumbai, Maharashtra (Preferred) Work Location: In person

CTC - 10 Lpa Exp - 5-7 years Secured and Unsecured loans Roles & Responsibilities • Collaborating with both the operations and business development teams to ensure applications are completed in a timely manner • Ability to identify and make recommendations for approval policy exceptions. • Partnering with credit and operations teams to troubleshoot and optimize application and credit processes through automation. • Analysing borrower data and trends while bringing a continuous improvement mind-set to deliver a better experience and scale our operations • Evaluating the creditworthiness of potential customers. • Ensuring all loans and lending procedures comply with regulations. • Analysing and mitigating risks on new as well as existing customers. • Monitor Delinquency and NPA to budgeted levels • Support development of Credit Scorecards, Risk Models & auto-approval mechanisms • Reviewing and updating the company’s credit policy • Minimal rework/errors as part of underwriting quality • Maintaining TAT as per guidelines • Handling & Monitoring the Performance of the Credit Team • Prepare CAM Reports kratika.balmiki@white-force.in 9329931736 Show more Show less

Join us as an "Analyst" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings ensuring unapparelled customer experiences. Barclays is required by law to confirm that you have the Legal Right to Work in any role that you apply for. If you currently hold a work visa sponsored by Barclays, or you would require sponsorship from Barclays, you must declare this as part of your application. Sponsored visas are role and entity specific, and any changes should be reviewed. It is important to ensure you are working on the correct visa at all times. Failure to accurately disclose your visa status or Legal Right to Work may result in your application or employment offer being withdrawn at anytime. Securitization Credit Analyst, responsible for analysis and monitoring of securitization transactions, including exposures to both pre- and post-securitization collateral pools. Responsible for effective credit risk management of the assigned portfolio of Securitized Product exposures and ensuring compliance with Bank’s credit risk policies & procedures and internal controls framework. Act as Securitization Credit Analyst for exposures across various asset classes across US & EMEA regions. Prepare and analyze credit proposal for new and existing transactions. Provide credit review and provide commercially mindful challenge to business proposals. Providing support on portfolio analysis and risk management of assigned portfolio including excess/ exception management. Prepare and present sector/ asset-class reviews. Monitor trends within the assigned sectors. Escalate material adverse developments in timely manner. Day to day management and monitoring of risk limits, reporting of any positions outside approve parameters. Maintaining accurate and up to date information in the Banks’ Risk systems. Prepare periodic portfolio deck for manage on assigned portfolio. To be successful as an "Analyst" you should have experience with Strong analytical skills Strong verbal & written communications skills. Good stakeholder management skills. Some Other Highly Valued Skills May Include Experience in credit analysis. Understanding of securitized products preferred. Familiarity with Investment Banking products You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills Mumbai Purpose of the role To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. Accountabilities Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections. Analyst Expectations Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for end results of a team’s operational processing and activities. Escalate breaches of policies / procedure appropriately. Take responsibility for embedding new policies/ procedures adopted due to risk mitigation. Advise and influence decision making within own area of expertise. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Maintain and continually build an understanding of how own sub-function integrates with function, alongside knowledge of the organisations products, services and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Make evaluative judgements based on the analysis of factual information, paying attention to detail. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex / sensitive information. Act as contact point for stakeholders outside of the immediate function, while building a network of contacts outside team and external to the organisation. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. Back to nav Share job X(Opens in new tab or window) Facebook(Opens in new tab or window) LinkedIn(Opens in new tab or window) Show more Show less

Job Description Global Banking & Markets Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor. Structured Finance & Lending Group The SFL group in GBM deploys the firm’s balance sheet across a full suite of structured financing and risk management solutions across the private markets’ ecosystems. The Private Equity Capital Call (PECC) team provides innovative fund-level financing in the form of capital call / subscription facilities collateralized by the uncalled capital of a fund’s limited partners. The business forms an integral part of Goldman Sachs’ private equity advisory, lending, and servicing ecosystem. Responsibilities And Qualifications We are looking for an analyst/associate to join our SFL PECC team, focused on underwriting investor credit risk in the context of capital call facilities. This position requires a deep understanding of the role of limited partners in capital call facilities and understanding of credit risk associated with investor types including public and private pensions, sovereign wealth funds, endowments, foundations, insurance companies, fund of funds and high-net worth investors. The successful candidate will be responsible for monitoring and evaluating the credit quality of the investors whose commitments are the collateral for our capital call facilities, building and managing a database of investor information, and providing insights on the financial health and risks associated with investors within our loan portfolio. Responsibilities Perform detailed credit assessments and continuous monitoring of the credit quality of existing and potential limited partners. Build, maintain, and update a comprehensive database of investor information, ensuring accuracy, and reliability of data related to credit assessments and financial performance. Analyze financial statements, credit reports, market trends, and economic indicators to assess creditworthiness and predict potential risks. Develop and maintain advanced credit rating models and analytical tools for effective risk assessment and trend prediction. Collaborate closely with structuring, compliance, and risk management teams to ensure alignment with internal policies, external regulatory requirements, and best practices in credit analysis. Provide strategic insights and recommendations to senior management on credit risk, based on data-driven analysis, market conditions, and investment strategy implications. Stay informed on regulatory changes, economic developments, and industry trends that could impact the credit quality of investors or the broader investment landscape. Requirements Strong academic background – in finance, business, math, or accounting degree with a minimum 3.5 GPA equivalent / CFA preferred 2- 6 years of relevant experience in credit analysis, risk management, or a similar role within the financial services industry, with preference for specific exposure to credit quality monitoring of certain investor types Demonstrated ability to manage and analyze large datasets, with proficiency in database software and financial analysis tools. Strong analytical, quantitative, and problem-solving skills, with a keen eye for detail and accuracy Excellent communication skills, capable of presenting complex information in a clear and persuasive manner to stakeholders at all levels Deep understanding of the structure and dynamics of capital call facilities, the role of limited partners, and the operational aspects of private equity and private credit funds Ability to work independently and as part of a team in a dynamic, fast-paced environment Ability to work under tight time constraints and extended hours as required 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., 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. 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

About The Role Grade Level (for internal use): 11 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in computer science, Information Systems, Engineering, equivalent or more is required Proficient with software development lifecycle (SDLC) methodologies like Agile, Test-driven development 10+ years of experience with 4+ years designing/developing enterprise products, modern tech stacks and data platforms 4+ years of hands-on experience contributing to application architecture & designs, proven software/enterprise integration design patterns and full-stack knowledge including modern distributed front end and back-end technology stacks 5+ years full stack development experience in modern web development technologies, Java/J2EE, UI frameworks like Angular, React, SQL, Oracle, NoSQL Databases like MongoDB Experience designing transactional/data warehouse/data lake and data integrations with Big data eco system leveraging AWS cloud technologies Thorough understanding of distributed computing Passionate, smart, and articulate developer Quality first mindset with a strong background and experience with developing products for a global audience at scale Excellent analytical thinking, interpersonal, oral and written communication skills with strong ability to influence both IT and business partners Superior knowledge of system architecture, object-oriented design, and design patterns. Good work ethic, self-starter, and results-oriented Excellent communication skills are essential, with strong verbal and writing proficiencies Exp. with Delta Lake systems like Databricks using AWS cloud technologies and PySpark is a plus Additional Preferred Qualifications Experience working AWS Experience with SAFe Agile Framework Bachelor's/PG degree in Computer Science, Information Systems or equivalent. Hands-on experience contributing to application architecture & designs, proven software/enterprise integration design principles Ability to prioritize and manage work to critical project timelines in a fast-paced environment Excellent Analytical and communication skills are essential, with strong verbal and writing proficiencies Ability to train and mentor About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312490 Posted On: 2025-05-12 Location: Mumbai, Maharashtra, India Show more Show less

Company Description Welcome to Finaisa Capital, a trusted Non-Banking Financial Company (NBFC) established on July 28, 1995. With the backing of the Reserve Bank of India (RBI), we are committed to delivering innovative financial solutions tailored to meet the diverse needs of our customers. Role Description This is a full-time, on-site Credit Officer role located in Jaipur at Finasia Capital. The Credit Officer will be responsible for credit management, analyzing financial data, communicating with clients, and assessing creditworthiness. Qualifications Credit Management and Credit Analysis skills Analytical Skills and Finance knowledge Strong Communication skills Experience in credit evaluation and risk assessment Attention to detail and problem-solving abilities Bachelor's degree in Finance, Economics, or related field Certifications in credit management or financial analysis are a plus Show more Show less

Job Designation - Chief Risk and Audit Control Job Role- Credit Risk Management & Audit Conduct regular audits of the company's credit risk management framework to ensure compliance with internal policies, industry standards, and regulatory requirements. Review credit risk models, approval processes, and credit assessment tools to ensure they are appropriate, effective, and up-to-date. Assess credit underwriting standards, credit scoring models, and decision-making algorithms for accuracy and reliability in predicting creditworthiness. Identify areas of credit risk exposure, including fraud, defaults, and bad debt, and recommend corrective actions to mitigate these risks. Policy Compliance And Effectiveness Audit and assess the company credit risk policies and procedures to ensure they are consistent with business goals, risk appetite, and regulatory requirements. Review and validate credit policies related to personal loans, credit cards, digital lending, and other fintech products to ensure adherence to legal and ethical standards. Work with legal and compliance teams to identify any regulatory changes and ensure that credit risk policies and procedures are updated accordingly. Credit Portfolio Monitoring Perform regular audits on the credit portfolio to assess risk, performance, and quality of loans or credit products. Evaluate the loan origination process, monitoring for any potential systemic risks or weaknesses in the portfolio. Analyze portfolio metrics such as delinquency rates, non-performing loans (NPLs), default rates, and recovery performance. Work with credit operations teams to ensure proper documentation and compliance with established policies for credit transactions. Risk Control And Mitigation Identify opportunities to enhance or improve risk controls in credit operations, including new systems, processes, or tools. Collaborate with the credit risk team to develop strategies for risk mitigation, including the setting of credit limits, loan-to-value ratios, and risk-based pricing. Recommend best practices for credit policy governance and ensure that credit risk is managed consistently across all products and services. Audit Reporting And Documentation Prepare detailed audit reports outlining findings, risks, and recommended actions to senior management and relevant stakeholders. Provide actionable insights to improve credit risk policies, processes, and controls, ensuring alignment with company objectives and regulatory frameworks. Track the implementation of audit recommendations and ensure that corrective measures are adopted in a timely manner. Ensure proper documentation of audit activities and findings, maintaining compliance with internal and external audit standards. Stakeholder Collaboration and Advisory; Act as a subject matter expert for credit risk management policies and audits, advising key stakeholders on potential risks and best practices. Collaborate with risk, compliance, and credit operations teams to address issues related to risk exposure, fraud, and credit management. Support the development of training and awareness programs to ensure staff understand and adhere to credit risk policies and procedures. Continuous Improvement and Process Optimization; Regularly assess and update audit methodologies to reflect changes in the fintech industry, emerging risks, and new regulatory requirements. Leverage technology, including data analytics and automation tools, to improve the effectiveness and efficiency of the credit risk management audit process. Identify trends or emerging risks in credit risk and make proactive recommendations to mitigate potential issues before they impact the business. Qualifications And Skills Education: Bachelor's degree in Finance, Business, Economics, or a related field (Master's or professional certifications such as FRM, CFA, or CPA are preferred). 6-10 years of experience in credit risk management, policy audit, or internal audit roles, preferably in the fintech, banking, or financial services sector. Experience with credit risk models, underwriting processes, and credit portfolio management. Strong understanding of regulatory frameworks related to lending, credit risk, and fintech operations. Familiarity with industry-specific risk tools, credit scoring systems, and fintech products. In-depth knowledge of credit risk management principles, policies, and processes. Strong analytical skills with the ability to identify and assess complex risks in credit portfolios. Skills: credit scoring systems,risk management,credit risk,mitigation strategies,stakeholder collaboration,credit,operations,data analytics,credit portfolio monitoring,risk control,policy compliance,documentation,audit,regulatory frameworks,credit risk management,loans Show more Show less

This role is for one of the Weekday's clients Min Experience: 3 years Location: Vadodara JobType: full-time We are seeking a dynamic and result-oriented Branch Credit Manager with 3-6 years of experience in evaluating and managing credit for Home Loans , Mortgage Loans , and Loan Against Property (LAP) . This role involves working closely with the sales and risk teams to ensure timely and sound credit decisions, contributing directly to the growth and profitability of the branch. Requirements Key Responsibilities: Assess creditworthiness of prospective customers applying for Home Loans, Mortgage Loans, and Loans Against Property. Conduct in-depth analysis of customer profiles including financial documents, income statements, property documents, and credit reports. Sanction loans within delegated authority limits and recommend proposals to higher authority for approval. Ensure strict adherence to internal credit policies and regulatory guidelines. Interact with customers, sales team, legal, and technical vendors to ensure completeness and authenticity of loan applications. Identify potential risks and suggest appropriate mitigants to safeguard company interests. Collaborate with legal and technical teams to validate property documents, valuations, and title clearance. Maintain high-quality credit portfolio by taking proactive actions on irregular accounts. Monitor disbursement process and post-disbursement documentation to ensure compliance. Support the collections team for early warning signs on default risks. Prepare credit appraisal memos with clear justifications for decisions, ensuring transparency and accountability. Regularly update credit MIS reports and dashboards for review with senior management. Key Skills & Competencies: Strong understanding of Home Loan, Mortgage Loan, and LAP products. Proficient in financial analysis, risk assessment, and credit evaluation techniques. Sound knowledge of lending norms, credit policies, and RBI regulations. Hands-on experience in handling property-related legal and technical due diligence. High attention to detail with a strong sense of accountability and integrity. Proficient in using credit appraisal tools, MS Excel, and loan management systems. Strong interpersonal and communication skills to engage effectively with customers and internal stakeholders. Ability to work under pressure and manage multiple cases simultaneously within tight timelines. Qualifications: Graduate/Postgraduate in Finance, Commerce, or related field. MBA (Finance) or CA Inter will be an added advantage. Preferred Experience: Prior experience in NBFCs/Banks/Housing Finance Companies in a similar credit role. Experience in working with Tier 1 and Tier 2 cities will be considered beneficial Show more Show less