672 Creditworthiness Jobs - Page 3

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

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

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

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

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

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

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

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Looking candidate for Banking process Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts, BCom

Job Requirements Job Description: Associate Relationship Manager-PL Company Name: IDFC FIRST Bank Job Type: Full-Time Job Category: Others Department: Retail Banking > Rural Banking > Assets > Rural Unnati Location: Halol, Gujarat, India IDFC FIRST Bank is seeking a highly motivated and dynamic individual to join our team as an Associate Relationship Manager-PL. As an Associate Relationship Manager, you will be responsible for managing and growing the bank's portfolio of Personal Loans in the rural areas of Halol, Gujarat. Key Responsibilities Develop and maintain relationships with existing and potential customers in the rural areas of Halol, Gujarat. Identify and acquire new customers through various channels such as referrals, cold calling, and networking. Conduct thorough financial analysis of customers to determine their creditworthiness and eligibility for Personal Loans. Cross-sell other banking products and services to customers to increase revenue and deepen relationships. Monitor and manage the performance of the loan portfolio, ensuring timely repayments and minimizing delinquencies. Provide excellent customer service and resolve any customer queries or complaints in a timely manner. Keep up-to-date with market trends and competitors' offerings to identify potential business opportunities. Qualifications Bachelor's degree in Business Administration, Finance, or a related field. Minimum of 2 years of experience in sales or relationship management, preferably in the banking or financial services industry. Knowledge of rural banking and understanding of the local market in Halol, Gujarat. Strong communication and interpersonal skills. Ability to work independently and as part of a team. 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. If you are a self-starter with a passion for sales and customer service, we would love to hear from you. Additional Parameters Fluency in the local language is preferred. Willingness to travel within the assigned region. Knowledge of banking regulations and compliance. Experience in handling and managing a loan portfolio is a plus.

Company Description Aye Finance, headquartered in Gurgaon, is a new-age finance company that has been providing business loans to small and micro enterprises across India since 2014. The company focuses on delivering financial inclusion and socio-economic growth by working with advanced technology, automating processes, and maintaining high credit quality. Aye Finance aims to unlock business opportunities for under-banked small businesses while making a transformative social impact. With a team that combines sound business practices, a deep understanding of the micro-enterprise environment, and a passion for growth, Aye Finance is dedicated to serving micro-enterprises holistically. The company is committed to its employees, entrepreneurs it serves, and its investors, making it a great place to work with and work for. Role Description This is a full-time on-site role for a Loan Advisor, located in Rajasthan, India. As a Loan Advisor, you will be responsible for assessing clients' financial needs, providing loan information, evaluating creditworthiness, and assisting clients throughout the loan application process. You will collaborate with the underwriting team, offer excellent customer service, and ensure compliance with company policies and guidelines. Your role will involve daily interactions with clients to guide them in making informed financial decisions. Qualifications Experience in Loans and Finance Strong Customer Service and Communication skills Knowledge of Underwriting principles Excellent organizational and analytical skills Ability to work onsite in Rajasthan, India Bachelor's degree in Finance, Business, or a related field is preferred Proficiency in local languages is a plus

Job Summary The Field Leader is at the forefront of our operations, responsible for delivering exceptional client experiences. This role involves expertly managing client interactions, conducting tailored training sessions, ensuring accurate field documentation, overseeing loan collections, and resolving issues promptly. The Field Leader is integral to achieving organizational goals by fostering trust and ensuring operational excellence in the field. Job Details Designation: Field Leader Reporting To: Branch Manager Job Location: Jakhal Workplace Type: On-site Employment Type: Full-Time Roles and Responsibilities Manage a caseload of at least 650 clients , ensuring their concerns and needs are addressed efficiently. Facilitate loan disbursements ranging from ₹15 to ₹20 lakh monthly, adhering to company policies. Conduct Credit and Group Training (CGT) sessions to empower clients with financial management skills. Ensure timely and complete collection of loan repayments, proactively minimizing delinquencies and defaults. Perform Loan Utilization Checks to verify the appropriate use of disbursed funds. Maintain full coverage of all households in the assigned portfolio, ensuring no eligible client is overlooked. Conduct thorough Know Your Customer (KYC) verifications, meeting regulatory and organizational standards. Implement Best Client Selection by identifying high-potential clients based on creditworthiness and repayment history. Perform Income Parameter Analysis to evaluate clients’ repayment capacity and customize loan offerings. Skills Required Client Handling: Professional, empathetic, and efficient management of client interactions. Field Work: Conduct on-site visits to assess client needs and verify information. Monitoring: Proactively track client accounts to ensure loan compliance and address any issues. Technology Proficiency: Skilled in using computers and mobile devices for record-keeping, communication, and transactions. Bike Riding: Efficient navigation between client locations and the office for timely service delivery. Adaptability: Eagerness to learn new skills and embrace professional growth opportunities. Education and Experience Minimum Qualification: 12th Grade Open to both freshers and experienced candidates . Job Types: Full-time, Permanent Pay: ₹15,000.00 - ₹23,000.00 per month Benefits: Cell phone reimbursement Health insurance Leave encashment Life insurance Paid sick time Provident Fund Schedule: Day shift Supplemental Pay: Yearly bonus Work Location: In person

Company Profile: candi is a dedicated solar partner for businesses across Asia and Africa. Combining the international capital of our Swiss-based platform with local expertise in these regions, we’re able to provide a unique offering to this underserved sector. In doing so, we aim to have a big social impact, reduce carbon emissions, create jobs, increase energy access, and save money for businesses of all sizes in emerging markets. Our approach is to take the risk so our partners don’t have to, providing businesses with flexible, end-to-end solar and battery solutions that are built to last. Our shared value model leverages our experience in customisable finance and performance offerings, quality engineering, and data-enabled asset management to help guarantee optimized systems, lowering the barrier to entry and maximizing returns. www.candi.solar Job Summary: The company is looking to recruit an ambitious and energetic General Manager Invoicing & Collections, who will help candi to lead the revolution of solar. Given that candi is taking solar into a new realm with a new set of tools, the role will require creativity, innovation and a new way of thinking. Specifically, the job requires taking ownership of the following for the Indian team: Build, lead and nurture the invoicing and collection team Own the monthly invoice generation process collaborating with Commercial Asset Management and Finance teams Ensure accurate and timely recording of customer payments, supporting smooth and efficient reconciliations Develop, implement and evolve collection strategies and processes for secured and unsecured assets Monitor, optimize and report on invoicing efficiency, ageing, cash flow and collection performance Be the escalation point of contact for high priority invoicing issues and overdues and negotiate payment arrangements and settlements with customers in coordination with Commercial Asset Management team Ensure compliance with all relevant financial regulations and laws Liaise with legal teams for litigations and asset recovery Work with the credit team in monitoring customer creditworthiness and define collection strategies accordingly. Location: Preferably Gurgaon. Bengaluru or Pune can be an option. Candi follows a Hyrbid Working Policy. Hours: Full time. Job Requirements: Bachelor’s degree in finance, business administration or related field Proven experience of 10 - 15 years in a Lead collections role, preferably with a Collection Services Company or a Lender Extensive leadership and people management experience Expertise in calculating and maintaining records of various components of outstanding dues in coordination with Accounting team Familiarity with invoicing and payment schedule processes Great communication competencies externally and internally combined with outstanding negotiation skills Thorough understanding of financial and recovery regulations and collaboration with legal representatives Fluent in process analyses, design and change management Analytical and quantitative mindset amplified by extensive use of digital tools Experience in the solar or energy industry is a plus Working Culture: You agree to live out the candi values every day of your employment: this includes to put empathy before ego , being authentic no matter what , that we get it done as one and follow the candi principle that less is more A dynamic, cross-functional team player, willing to take initiative on projects in the context of a multicultural scale-up trying to execute big, bold ideas. Having experience working for an international company, or having studied or worked abroad, is considered a plus. You must be open, honest, trustworthy, a strong communicator, and understand that what we get done as a team surpasses what we get done individually. Candi follows a hybrid work policy in all its offices. candi is an equal opportunities employer. candi is unique because... We focus on helping businesses of all sizes in emerging markets get access to cheap, clean rooftop solar energy. We have a strong emphasis on a client-centric & innovation-driven working culture. We are an international team where remote working is commonplace, where we trust our team members to actively carve out a role for themselves according to their skillset. Only qualified candidates will be contacted.

📢 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: Friday 25th July & Saturday, 26th July ⏰ Time: 11:00 AM – 2:00 PM Contact HR SPOC – Vignesh 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) 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.

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

Company Description Shriram Finance Limited is the largest retail Non-Banking Financial Company (NBFC) in the country, providing credit for commercial vehicles, two-wheelers, cars, homes, gold, personal use, and small businesses. As part of the 50-year-old Shriram Group, we have a rich history and reputation for creating value and trust with our customers. In November 2022, Shriram Group entities merged to form Shriram Finance Limited. With a network of 3,149 branches and a workforce of over 77,764, we manage combined Assets Under Management (AUM) worth ₹243,042 crores. Role Description This is a full-time on-site role for a Credit Manager located in Kurnool. The Credit Manager will be responsible for assessing credit applications, managing credit risk, and ensuring compliance with credit policies. Daily tasks include analyzing financial statements, evaluating creditworthiness, approving or rejecting credit requests, and maintaining accurate records. The role requires close collaboration with other departments to ensure timely and efficient credit management. Qualifications \n Proficiency in Credit Management and Credit Risk Management Strong Analytical Skills for evaluating financial information Comprehensive knowledge of Finance principles and practices Familiarity with Credit evaluation and approval processes Excellent communication and decision-making skills Attention to detail and high level of accuracy Ability to work effectively in a team-oriented environment Bachelor’s degree in Finance, Accounting, or related field; advanced degrees or certifications are a plus Experience in the NBFC or banking sector is advantageous

Embark on a transformative journey as an AVP FI Credit Risk 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 unparalleled customer experiences. Ensuring compliance with Bank’s credit risk policies & procedures and internal controls framework. Developing methodologies and credit risk controls to mitigate the risk of credit loss from the default of clients engaged mainly in Electronic Trading, including Algorithmic Trading, and in trading with DVP Settlement. To be a successful AVP FI Credit Risk you should have experience with: Develop comprehensive understanding of the Barclays e-Trading governance and controls procedures, and related regulatory expectations for Electronic Trading, including Algorithmic Trading, Market Access, and DVP Settlement. Work with various stakeholders in the Business, Technology, and Credit Risk to develop the suite of tactical and strategic risk controls for managing credit risk from Electronic Trading, including Algorithmic Trading, Market Access, and DvP Settlement. Help refine methodologies for setting and implementing intraday credit limits; set and manage said limits across various asset classes in compliance with risk control framework. Respond timely to requests for changes in intraday credit limits; coordinate monthly asset-class review processes. Evaluate materiality of changes to Applicable Systems with credit risk implications, participate in testing of risk controls, and approve changes with material credit risk implications. Some Other Highly Valued Skills May Include Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund. Clients to assess their creditworthiness, repayment capacity, and potential risks. You may be assessed on essential skills relevant to succeed 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. The job location is Mumbai. Purpose of the role To independently assess and make credit decisions for complex financing transactions within the LevFin, SLF, and Hedge Funds sectors, ensuring alignment with the bank's credit risk appetite and regulatory requirements and contribute to the development and implementation of credit risk policies and procedures for the Specialised Sector. Accountabilities Analysis of complex financial information and business models of LevFin, SLF, and Hedge Fund clients to assess their creditworthiness, repayment capacity, and potential risks. Monitoring of the performance of the LevFin, SLF, and Hedge Fund portfolio, identifying and reporting early warning signs of potential credit deterioration. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Development and implementation of strategies to mitigate identified credit risks and optimise portfolio performance. Assistant Vice President Expectations Consult on complex issues; providing advice to People Leaders to support the resolution of escalated issues. Identify ways to mitigate risk and developing new policies/procedures in support of the control and governance agenda. Take ownership for managing risk and strengthening controls in relation to the work done. Perform work that is closely related to that of other areas, which requires understanding of how areas coordinate and contribute to the achievement of the objectives of the organisation sub-function. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategy. Engage in complex analysis of data from multiple sources of information, internal and external sources such as procedures and practises (in other areas, teams, companies, etc).to solve problems creatively and effectively. Communicate complex information. 'Complex' information could include sensitive information or information that is difficult to communicate because of its content or its audience. Influence or convince stakeholders to achieve outcomes. 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.

Embark on a transformative journey as a FI Credit Risk Officer 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 unparalleled customer experiences. Effective credit risk management of the assigned portfolio of clients like financial institutions including Banks, Sovereigns, Funds, CCPs.Ensuring compliance with Bank’s credit risk policies & procedures and internal controls framework.The role-holder will be supporting credit risk sanctioning and will need to achieve effective working relationships with other credit officers, including senior discretion holders; business and product teams and other relevant functional areas including all senior internal stakeholders. To be a successful FI Credit Risk Officer you should have experience with: Preparation of annual credit review packs and Industry reviews Supporting credit officers in day-to-day risk management activities. Managing day-to-day credit limit requests to manage transactions and where appropriate propose limit recommendations to more senior discretion holders. Day to day management and monitoring of risk limits, reporting of any positions outside approved parameters and understanding how risk profile alters in stress test scenarios. Maintaining accurate and up to date information in the Banks’ Risk systems. Some Other Highly Valued Skills May Include. Takes responsibility for end results of a team’s operational processing and activities. Thorough understanding of the underlying principles and concepts within the area of expertise. You may be assessed on essential skills relevant to succeed 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. The job location is 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 To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. Requires in-depth technical knowledge and experience in their assigned area of expertise Thorough understanding of the underlying principles and concepts within the area of expertise They lead and supervise a team, guiding and supporting professional development, allocating work requirements and coordinating team resources. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others. OR for an individual contributor, they develop technical expertise in work area, acting as an advisor where appropriate. 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.

Job ID: 35513 Location: Hyderabad, IN Area of interest: Corporate & Commercial Banking Job type: Regular Employee Work style: Office Working Opening date: 23 Jul 2025 Job Summary Strategy To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters. Contribute toward achieving team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product Identify, market and onboard New-To-Bank names for liability business, targeting operating current accounts across target client base of mid sized and large local corporates Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through: effectively generating new business – identify prospects and convert in line with the Bank’s appetite strategically formulating account plan – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions proactively building trusted client relationships – maintain a portfolio of active and growing customers Market and sell broad range of products including trade service, cash management, treasury and investment Assist in preparing credit proposal and loan application of customers; prepare annual review on timely basis Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy Implement agreed business plan to achieve sales/ revenue targets Generate creative ideas on customer acquisition and products/ services Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct Key Responsibilities Risk Management / processes/ governance Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders. Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM). Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees. Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees. Do what is right in order to avoid reputational risks and operational losses Business Contribute toward achieving team’s overall target and delivering optimal portfolio return. Regulatory & Business Conduct Display exemplary conduct and live by the Group’s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Conduct business in a manner to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment * Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key stakeholders Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product Other Responsibilities Embed Here for good and Group’s brand and values – additional responsibilities as may be needed to complete role requirements Skills and Experience CA/ MBA/Relevant other qualification Qualifications University Post Graduate / CA / MBA Minimum [7-10] years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking Firm in all business guidelines and compliance issues Sound knowledge of financial markets and investment products Outstanding communication and presentation skills About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www.sc.com/careers

Job ID: 32590 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 22 Jul 2025 Job Summary As a Standard Chartered Relationship Manager in SME Banking, you’ll be responsible for managing and developing relationships with mid-sized and emerging corporates to drive business growth and meet the bank's strategic objectives. You’ll provide exceptional customer service with the provision of financial solutions while managing operational risk and regulatory requirements. Key Responsibilities To achieve agreed individual financial and non-financial targets by acquiring, growing, and retaining profitable Medium Enterprise customers within acceptable risk parameters. Contribute toward achieving the team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other Relationship Managers, Credit Analysts, Team Managers, Segment Heads, colleagues in Client Due Diligence, and partners in Risk, Compliance, other support functions, and Product. Skills and Experience Minimum 5 years of relevant experience in serving Business, Commercial and Corporate clients. Experience servicing cross-border international businesses. Proven track record in client relationship management and business development. Demonstrates strong understanding of accounting principles, financial modelling, and financial statement analysis. Able to assess client creditworthiness and provide key risk considerations and mitigations. Sound product knowledge on trade, cash, lending, and FX. Strong understanding of local industries, supply and value chains, and market environment. Knowledge of operational procedures, documentation requirements, banking practices and regulations related to SME Banking. Strong understanding in business guidelines and compliance issues. Sound knowledge of financial markets and investment products. Outstanding communication and presentation skills. Motivated self-starter, identifying opportunities, providing innovative approaches to meet client needs. Maintains a high standard of personal conduct and lives our valued behaviours. About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www.sc.com/careers

Job Summary Strategy To achieve agreed individual financial and non-financial targets by acquiring, growing and retaining profitable Commercial Banking customers within acceptable risk parameters. Contribute toward achieving team’s overall target and delivering optimal portfolio return. Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product Identify, market and onboard New-To-Bank names for liability business, targeting operating current accounts across target client base of mid sized and large local corporates Achieve individual financial and non-financial targets while contributing towards team’s overall deliverables through: effectively generating new business – identify prospects and convert in line with the Bank’s appetite strategically formulating account plan – provide clients needs-based solutions, structure appropriate credit facility, and execute various banking transactions proactively building trusted client relationships – maintain a portfolio of active and growing customers Market and sell broad range of products including trade service, cash management, treasury and investment Assist in preparing credit proposal and loan application of customers; prepare annual review on timely basis Work closely with credit team to ensure good quality lending decisions are made; to ensure the strict adherence to the prevailing EAR / credit policy Implement agreed business plan to achieve sales/ revenue targets Generate creative ideas on customer acquisition and products/ services Regularly feed back to Team Leader and peers on new and anticipated financial and service needs and recommend appropriate improvements to processes on new products Maintain a high level of professionalism in client engagement, internal stakeholder management and other business conduct Key Responsibilities Risk Management / processes/ governance Abide by appropriate frameworks to guarantee that business is carried out within the Group’s risk appetite and relevant risks are appropriately managed in conjunction with line managers other stakeholders. Ensure compliance with the highest standards of regulatory conduct and compliance standards and practices as defined by internal and external requirements. This includes compliance with regulations and guidelines on Sanctions, Anti-Money Laundering (AML), and Environmental and Social Risk Management (ESRM). Abide by the Group’s values and code of conduct and foster a robust culture to ensure that adherence with the highest standards of ethics, and compliance with relevant policies, processes and regulations among employees. Ensure that Risk Management matters that are brought to the job holder’s attention are subject to direct remedial action and/or ensure adequate reporting to the relevant superiors and/or Risk Committees. Do what is right in order to avoid reputational risks and operational losses Business Contribute toward achieving team’s overall target and delivering optimal portfolio return. Regulatory & Business Conduct Display exemplary conduct and live by the Group’s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Conduct business in a manner to achieve the outcomes set out in the Bank’s Conduct Principles: Fair Outcomes for Clients; Effective Financial Markets; Financial Crime Compliance; The Right Environment * Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key stakeholders Collaborate and build effective partnerships with other RMs, team leaders, segment heads, as well as colleagues in CDD teams and partners in risk, compliance, other support functions, and product Other Responsibilities Embed Here for good and Group’s brand and values – additional responsibilities as may be needed to complete role requirements Skills And Experience CA/ MBA/Relevant other qualification Qualifications University Post Graduate / CA / MBA Minimum [7-10] years of relevant experience in serving business/commercial/corporate clients. Experience in servicing international businesses under the cross-border context is a plus Excellent financial analysis skills and ability to assess client creditworthiness and key risk considerations / mitigations Sound product knowledge on trade, cash, lending and FX and strong understanding of local industries, supply/value chains and market environment Knowledge of operational procedures, documentation requirements, banking practices and regulations related to commercial banking Firm in all business guidelines and compliance issues Sound knowledge of financial markets and investment products Outstanding communication and presentation skills About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential.

Job Title: Credit Analyst – Financial Institutions Group (FIG) Department: Corporate Banking / Risk Management Location: [Insert Location] Reporting to: Senior Credit Manager / FIG Team Lead Job Summary: The Credit Analyst in the Financial Institutions Group (FIG) vertical is responsible for assessing the creditworthiness of banks, non-banking financial institutions (NBFIs), insurance companies, and other financial entities. The role involves preparing credit proposals, conducting in-depth financial and risk analysis, and supporting relationship managers in managing FIG client portfolios. Key Responsibilities: Analyze financial statements, credit reports, and market data of FIG counterparties. Prepare detailed credit appraisal memos and risk assessments. Monitor exposure limits, credit ratings, and market developments affecting FIG clients. Support the onboarding and periodic review processes for FIG clients. Liaise with internal stakeholders (e.g., Risk, Compliance, Legal) to ensure adherence to regulatory and bank credit policies. Provide inputs for internal risk rating models and stress testing. Assist in preparing internal and regulatory reports as needed. Qualifications & Skills: Bachelor’s or Master’s degree in Finance, Economics, or related field. 2–5 years of experience in credit analysis, preferably in FIG. Strong understanding of financial statements, regulatory frameworks (e.g., Basel III), and macroeconomic factors. Proficiency in Excel, financial modeling, and credit rating tools. Good communication and report-writing skills. Attention to detail and ability to work under tight deadlines.

Skill required: Com.Bkg- Credit UW - Commercial Credit Underwriting Designation: Banking Advisory Associate Qualifications: BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. Conduct detailed research on the financial history of businesses to determine their creditworthiness. Assess the risk parameters of the loan, borrower, and industry including the Financial performance of the borrower and guarantor, assessing the repayment capacity and recommending the future course of action in approving/declining/counter offer of business loans. What are we looking for? Looking candidates for Banking Process Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts, BCom

Skill required: Com.Bkg- Commercial Real Estate - Commercial Loan Servicing Designation: Banking Advisory Associate Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model. The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business. A process by which a company (mortgage bank, servicing firm, etc.) collects interest, principal and escrow payments from a borrower. This includes sending monthly payment statements and collecting monthly payments, maintaining records of payments and balances, collecting and paying taxes and insurance (and managing escrow and impound funds), remitting funds to the note holder, and following up on delinquencies. What are we looking for? Adaptable and flexible Agility for quick learning Commitment to quality Written and verbal communication Ability to perform under pressure The role requires a good understanding of credit analysis, creditworthiness, underwriting, third party report validation of commercial property, commercial lending, financial analysis, asset evaluation, and income calculation; analysis of property inspection reports, rent rolls, Operating statement and preparation of letters based on the regulatory requirements; analysis of proof of payments, invoices, disbursement form, lien waivers & schedules. Expertise in commercial real estate underwriting or commercial underwriting is a must whereas residential underwriting is preferable. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts, BCom,MCom,Master of Business Administration

Job Requirements Job Description Job Title - Credit Manager - KCC Business Unit - Retail Banking Function - Credit (KCC / Agri) Job Purpose Agricultural Credit Manager’s job is to assess loan applications, which involves determining the financial health and creditworthiness of potential borrowers, as well as agricultural activities carried out at his field. These managers work with borrowers to explain loan terms and offer advice aimed at reducing risks and achieving positive outcomes for all parties. In addition, Agricultural Credit Managers often help develop relevant ag-related credit policies based on laws, regulations, and industry trends. Roles & Responsibilities Assessment of customers sourced by Agri Sales Team as per credit policy. Scrutiny of loan application, KYC, Financial Reports, Collateral Documents and ascertaining eligibility as per credit policy. Pre sanction inspections field visit and personal discussion with customers to establish credit worthiness. Underwriting of proposal is based on customers Agri profile i.e., Extent of Agri land holding, source of irrigation, crop grown and his experience in Agriculture. Verification of Credit checks like RBI default list, dedupes checks about negative, caution and restricted profiles, Probe details, Individual and Commercial CIBILS, etc. and other mandatory checks as per credit policy and guidelines. Analysis of statement of accounts, preparation of perfios. Understanding account related parameters. i.e., Churning, Cheque Returns, Utilization of facility, Interest Servicing, Cash flows, Cash deposits, remittance, and receivables details etc. Scrutiny of property documents and initiation of valuation and legal reports. Analysis of valuation report and legal reports. Maintain best Turn Around Time and keep nil Audit and hind-sighting error to ensure quality in underwriting and maintain healthy Portfolio. Educational Qualifications Any graduate preferably Agri graduates. Experience 2 - 3 years of experience in credit.

Leading Bank hiring Relationship Manager - Home Loan, Salary upto 5 Lacs, Interested candidates can call on 9897331977 or mail resumes at emsjbank@gmail.com Responsibilities: Home Loan II Mortgage Sales II Customer Relationship *Candidate should have experience in LAP/Mortgage. * Candidate should be ok with field sales • Process loan applications within defined constraints to assess creditworthiness • Interact with clients to obtain or offer information • Evaluate applicants to determine their financial eligibility and loanability • Complete loan contracts and counsel clients on policies and restrictions