Job Overview: The Credit Officer is responsible for evaluating online loan applications, assessing risk, ensuring compliance with regulatory guidelines, and managing collections to minimize bad debts. The role requires strong communication & analytical skills, decision-making abilities, and a customer-focused approach to ensure timely recoveries. Key Responsibilities: Loan Processing & Credit Assessment: Evaluate online loan applications, verify income/employment, and assess creditworthiness using financial statements and CIBIL reports. Ensure compliance with company credit policies, RBI/NBFC guidelines, and regulatory norms. Approve or reject loan applications based on risk assessment. Documentation pre–Loan Disbursement: Verify KYC, salary slips, bank statements, and other loan agreements before disbursement. Assess borrowers' nature and intentions for loan repayment based on online chats/telephonic conversations. Educate borrowers on loan terms, repayment schedules, and penalties. Coordinate with finance teams for timely loan disbursements. Identify fraud, risks and report suspicious applications. Collections & Recovery: Monitor active loans and track overdue accounts. Contact borrowers via calls, emails, and messages to ensure timely payments. Negotiate repayment plans and settlements to optimize recovery. Escalate non-recoverable loans to recovery teams if necessary. Customer Relationship Management: Maintain strong customer relationships to improve repayment rates. Address borrower queries and educate them on responsible borrowing. Qualifications & Skills: Education: Bachelor’s degree in Finance, Commerce, Accounting, or a related field. Experience: Preference for experience in credit assessment & collections (NBFC/ loans). Technical Skills: Working knowledge in MS Excel, Credit bureau (CIBIL) reports and Bank transactions analysis. Soft Skills: Good analytical, negotiation, and communication skills. Key Competencies: Quick decision-making, problem-solving, and adaptability in dynamic financial environments. Who can apply: Experienced or fresher Male / Female (preferred) candidates can apply for this vacancy. Work Conditions: Fixed working hours (06 days a week). Job Types: Full-time, Permanent Pay: ₹18,000.00 - ₹25,000.00 per month Benefits: Paid sick time Provident Fund Schedule: Day shift Education: Bachelor's (Required) Location: Dwarka, Delhi, Delhi (Required) Work Location: In person

Skills: Sales Strategy, Networking, Negotiation, Business-to-Business (B2B), Vendor Management, Account Management, Cold Calling, Lead Generation, Role: Sales Manager Exp: 3-5 Years Location: Pune Qualification: MBA Job Description: - Achieve monthly, quarterly, and yearly sales targets for the assigned territory. Develop and implement dealer-level plans to meet business objectives and work proactively towards target achievement. Drive growth for both core and high-priority products. Analyse territory data to identify opportunities, address gaps, and implement targeted strategies. Expand the dealer network by on boarding new dealers and boosting engagement. Address and resolve dealer queries promptly to maintain strong, productive relationships. Coordinate with internal teams to ensure product, service, and promotional material availability for dealers. Implement and manage marketing strategies, including promotions, pricing, product mix, and distribution policies. Collect receivables per company norms and conduct periodic creditworthiness reviews of business partners. Conduct regular meetings with architects, interior designers, and builders to establish relationships, understand project requirements, and promote the companys products and solutions. Identify opportunities for collaboration and drive business growth through strategic partnerships. Organize and execute training sessions for dealers to enhance their knowledge of products, sales techniques, and market trends. Ensure dealers are equipped with the tools and skills necessary to represent the brand effectively and achieve sales targets. - Provide senior management with detailed sales reports and market analyses, offering strategic growth recommendations. Manage the sales cycle from prospecting to successful closure. Prepare and submit regular performance and client interaction reports. Utilize CRM tools and Microsoft Excel for data management and analysis Show more Show less

Job Title: Field Executive – Home Loan Sales Company: Snapmoney Finance Pvt Ltd Location: Hyderabad Salary: ₹30,000 – ₹60,000 per month(based on experience and performance) Experience Required: Minimum 2 years in home loan or financial product sales Job Type: Full-time Job Summary: Snapmoney is hiring Field Executives – Home Loan Sales to drive business through on-ground customer acquisition and relationship management. This role is ideal for individuals with experience in selling housing finance products and a strong network in the real estate and property market. Key Responsibilities: Identify potential customers for home loans by visiting residential areas, and builder project sites through referrals and cold calling. Meet clients to understand their financial needs, explain loan products, interest rates, EMI options, and tailor offerings accordingly. Assist clients with the complete documentation process, ensuring compliance with company and regulatory guidelines. Pre-screen clients by checking eligibility based on income, property type, and creditworthiness before submission. Coordination with Credit Team for verification departments to ensure timely processing and disbursal of home loans. Build and maintain strong relationships with builders, property agents, and other key market influencers to generate regular leads. Keep updated on competitor offerings, real estate developments, interest rate changes, and RBI guidelines impacting home loan products. Consistently meet or exceed assigned monthly sales and disbursement targets. Provide post-sale support for documentation, queries, and loan status updates until final disbursement. Candidate Requirements: Minimum 2 years of sales experience in home loans, LAP, mortgage, or housing finance industry is mandatory Good knowledge of the local property market, builder tie-ups, and housing finance processes Strong negotiation, sales, and interpersonal skills Ability to handle pressure and work independently to achieve sales goals Should be willing to travel extensively within the city Must own a two-wheeler Graduation or equivalent qualification preferred Perks & Benefits: Competitive salary + attractive performance-based incentives Fast-track growth for high performers Field support, product training, and the opportunity to work with a growing finance company Travel allowances are provided.

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: Any Graduation 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. Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for? Attention to detail – Accurate review and verification of documents is crucial Organizational Skills – Ability to manage multiple files and task simultaneously Communication skills – Clear and effective communication with all parties involved in the loan process Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. 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 Show more Show less

MODIFI is a global FinTech company. We enable international commerce through a digital platform for B2B payments: With MODIFI, Exporters get paid instantly, while Importers have the option to pay later. In addition we provide trade management services. We empower businesses to grow, fostering strong international partnerships and benefitting local economies. As a global business payments company that helps exporters and importers finance and manage their international trades. We are looking for an experienced and energetic Credit Analytics Director to join our team in Mumbai and support MODIFI in its mission to change the world of international trade. Come and shape the future of global commerce with MODIFI! Your impact: Lead the credit analytics function for MODIFI's Trade Finance business in order to drive data-driven decision making and risk management strategies. Oversee the full customer lifecycle, from customer onboarding to identity screening (KYC/AML) to individual financing decisions Improve our underwriting processes and principles, processes and automatization. Responsible for credit risk underwriting and managing of credit limits for MODIFIs Trade Finance customers and the final trade approval Develop and implement credit risk models and methodologies to assess the creditworthiness of trading partners in a global market. Collaborate with cross-functional teams and stakeholders including Risk, Finance, and Product to optimize credit policies and procedures. Stay updated on market and industry trends, regulatory changes, and best practices for credit analytics in the trade finance sector. Provide strategic recommendations to senior management based on analysis of credit data and market insights. Requirements Minimal 8+ years experience in Corporate Banking, Trade Finance, Credit Insurance, Factoring, Payment provider or similar underwriting position. Very good understanding of the Indian market and preferably also APAC, Bangladesh and/or Pakistan Proven ability to make credit decisions Passion for international trade and development and how digital Trade Finance can create significant growth for such businesses Previous experience indifferent international markets (APAC, EMEA and possibly AMER) In depth knowledge of financial analysis with IFRS and GAAP, modelling, systems and reporting The ability to handle big volumes with a quick turn-around in a fast developing market Comfortable operating in a fast-paced and ever-changing dynamic environment Previous start-up experience is beneficial Academic degree in business or economics You are fluent in English Benefits Why MODIFI? Because we rock! Diversity is more than a word to us - join a company with team mates from 16+ different nationalities and backgrounds The world is your oyster - we have networks around the globe with offices in Amsterdam, Berlin, Delhi, Dhaka, Dubai, Hongkong, Mumbai, Shenzhen, Singapore We care about the environment - that’s why we commit to a clear understanding of our CO2 footprint and shall reach neutrality in 2023 You want to get to know your colleagues better?! We organize regular gatherings, events and parties Many perks like cultural day, personal training, language course and more TEAM - Together Everyone Achieves More At MODIFI we have a very hands-on mindset, giving our people the chance to grow with their responsibilities Think big. Think bigger! Think 10x! We live by our values ‘own your actions’, ‘grow together’ and ‘make it happen’ About us Here at MODIFI we are building the next-generation global trade payment platform. Since our start in 2018, we have been growing extensively and today we’re ready to move to the next level. MODIFI is the right place to make global trade happen as we believe that international trade drives global development. Starting as a trade finance start-up in 2018, we diversified our services since then, and are now also offering many other services around to facilitate international trade even further like currency hedging, shipment tracking and more and more the whole B2B payment process. Our brilliant multicultural team operates internationally in more than 11 countries and already counting more than 1500 trading partners all over the globe. No matter your religion, sexual orientation, age, gender, origin or relationship status; we encourage everyone to be their authentic selves. We are looking for the most talented people with an attitude to win any battle. Are you passionate about solving problems and ready to conquer the world? Sounds interesting? Yes! So, you belong with us. Send us your CV today! Show more Show less

About The Role Grade Level (for internal use): 08 The Team Data Quality Measurement teams execute analyses and implement controls to ensure information quality for the associated client group. A key goal of this job family is to ensure that the data sets used by the user group is of high quality and considered to be sufficient, timely and reliable considering the standards that are set by the business or regulating entity/industry group, if applicable. The team consists of highly trained data quality professionals, who understand the business and who strive to deliver outstanding client experience, while helping to mitigate regulatory and legal risk exposure to the organization. Responsibilities And Impact Engages with stakeholders to define requirements and usage needs for the measurement of data quality for a specific region or part of a business. Undertakes ownership for the on-going delivery of data quality measurement activities with a concentrated focus on a specific region or part of a business. On identification of data quality issues, performs analysis and escalates for next level review to remediate the issue and achieve high quality data. Performs testing of defined use cases on new technology and deliver results on data tasks performed; identifies sources or errors. Performs basic root cause analysis on smaller self-contained data analysis tasks that may be related to assigned projects or other unfamiliar projects. Delivers testing of defined use cases as part of data audits on new data vendors. Delivers data quality processes to assure S&P Ratings compliance against regulatory requirements. Performs data queries to identify and drive correction of data inconsistencies. Functional and Business Knowledge Applies basic knowledge of data development lifecycle, theories and work tools developed through past experience to best complete assignments. Basic knowledge of the business and the data quality objectives for his/her team. Problem Solving Identifies and solves problems in data domain of primary operation. Ability to analyze a complex business problem or use case and propose clean, objective solutions Ability to listen to & dissect a business problem and translate into objective technical requirements with minimal interaction with business use Passion for problem solving/new technologies Interactions* Works within own team; may interact with other related teams Works with stakeholders in data domain of primary operation to understand processes and procedures Communicates updates on data quality within own team Typical Scope & Impact Contributes to the achievement of personal and team objectives. Minimum and Preferred Education What We’re Looking For Basic Required Qualifications Bachelor's degree or equivalent experience. An S&P Global employee in a similar position would typically have 3-4 years of experience in data operations, preferably in a data quality role. Proficiency in Data Visualization, Data Analytics, and tools like Advanced Excel, SQL, Oracle database, Power BI, ETL, Python. General understanding of financial and market data. General understanding of data and data flows Ability to deliver prioritized tasks on time Willingness to ask questions and escalate where concerns are not resolved Additional Preferred Qualifications Experience in data quality roles is an advantage. Ability to work effectively within a large, global team. Strong written and verbal communication skills. Attention to detail and problem-solving capabilities. 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), DTMGOP203 - Entry Professional (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 310048 Posted On: 2025-06-10 Location: Ahmedabad, Gujarat, India Show more Show less

ob Title: Assistant Manager / Manager (Credit & Risk) Job Level: Mid-Level Report to: Chief Business Officer Department: Lending Organization: airpay money pvt ltd (http://www.airpay.money) Location: Gurgaon Job Summary The Assistant Manager / Manager (Credit & Risk) is responsible for developing and implementing credit risk assessment models, monitoring credit portfolios, ensuring compliance with credit policies, and optimizing lending strategies. This role involves data-driven risk management, policy refinement, and collaboration with key stakeholders to enhance Airpay’s lending portfolio while maintaining regulatory compliance. Key Responsibilities Credit Risk Assessment: Develop and implement credit risk assessment models and methodologies to evaluate the creditworthiness of potential borrowers. Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money. Monitor and review credit portfolios regularly to identify potential risks and make recommendations for risk mitigation strategies. Collaborate with other departments such as underwriting, collections, and compliance to ensure adherence to credit policies and regulatory requirements. Analytics And Data Management Utilize advanced analytics and statistical techniques for credit risk assessment. Develop predictive models for default probabilities and loan performance. Ensure data accuracy by extracting, cleaning, and managing datasets from multiple sources. Implement data governance practices for consistency and integrity. Stay updated on credit risk analytics trends and incorporate best practices. Portfolio Management Monitor and optimize the lending portfolio’s performance. Conduct stress testing and scenario analysis to assess economic impact. Develop risk-return strategies while ensuring compliance with regulatory guidelines. Provide recommendations for portfolio diversification and capital allocation. Credit Policy Development Assist in refining credit policies based on risk assessments and data insights. Evaluate and enhance credit policies to mitigate emerging risks. Ensure alignment between credit policies, business objectives, and risk strategies. Conduct periodic reviews and audits to maintain compliance. Reporting And Communication Prepare and present reports on credit risk metrics and portfolio performance. Effectively communicate risk findings to stakeholders and decision-makers. Develop reports and dashboards for real-time insights into credit risk trends. Continuous Improvement Identify opportunities to enhance efficiency through process automation. Participate in cross-functional projects to strengthen risk management frameworks. Foster a culture of continuous learning and development within the credit risk team. Required Qualifications Inter CA/CA or Master’s degree in Finance, Business, Economics, or a related field. 2+ years of experience in credit risk assessment, portfolio management, or financial analytics. Strong understanding of credit risk modeling, financial analysis, and data analytics. Knowledge of regulatory frameworks related to lending and risk management. Excellent communication and stakeholder management skills. Certification in risk management (FRM, CFA, or equivalent) is a plus. Show more Show less

Company Description: BeFiSc.com is a cutting-edge fintech platform transforming how financial institutions detect fraud, assess creditworthiness, and build trust in digital lending. We blend data science, behavioral analytics, and finance to power smarter, safer decisions across the lending lifecycle. We’re now looking for a Senior Financial Analyst with 5–10 years of experience to help us lead, model, and scale credit intelligence for MSMEs and retail finance. Responsibilities: Lead a team of financial analysts evaluating loan applications and business health across sectors. Design and build financial models from scratch to automate creditworthiness checks and fraud flags. Analyze financial data from bank statements, GST returns, and retail reports to assess credit and behavioral patterns. Digitize credit appraisal workflows with our tech and product teams, improving fraud detection and turnaround times. Work cross-functionally with engineers, product owners, and risk heads to roll out smarter credit and fraud decisioning systems. Collaborate with leadership to enhance BeFiSc’s analytics and risk frameworks. Requirements: 5–10 years of hands-on experience in financial analysis, credit risk, or underwriting —ideally in a fintech, NBFC, or bank. Proven expertise in building financial models and working with real-world financial data (bank statements, GST, etc.). Prior experience leading analyst teams or project pods. Understanding of fraud patterns, behavioral finance , or early warning systems is a big plus. Comfortable working in fast-paced environments and collaborating across tech and business functions. Why Join BeFiSc: Shape the future of behavioral fraud detection and credit intelligence . Work at the intersection of finance, psychology, and technology . High-impact, high-ownership role with room to grow. Hybrid work flexibility and a collaborative, mission-driven team. Show more Show less

Job ID: 31686 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 10 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

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 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, Fresher Pay: ₹13,400.00 - ₹16,100.00 per month Benefits: Health insurance Leave encashment Life insurance Provident Fund Schedule: Day shift Monday to Friday Supplemental Pay: Yearly bonus Ability to commute/relocate: Ladwa, Haryana: Reliably commute or willing to relocate with an employer-provided relocation package (Required) Language: Hindi (Required) Work Location: In person

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: [Insert Manager/Supervisor Name] Job Location: [Specify Location] 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: ₹13,400.00 - ₹16,100.00 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

Evaluate and approve credit applications, ensuring compliance with bank policies and regulations. Assess the creditworthiness of individuals and businesses, considering factors like financial statements, credit history, and repayment capacity. Minimum of 2 or 3 years experience in Underwriting of Personal loans, Auto loans in Retail Loan Products . He should be M.B.A or equivalent Degree for profile with experience He should have Good analytical and interpersonal skills to Interact with customer, Colleagues to ensure achieve goals.

Job Requirements Job Description Job Title – Credit Manager - Mortgage Rural Job Purpose The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their creditworthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Responsibilities Roles & Responsibilities: Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Conduct personal discussion with customers to establish credit worthiness. Control and contain front-end delinquencies by calling up customer on first presentation. Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Coordinate with sales to achieve targets and ensure SLAs are met. Ensuring credit policy adherence to the accepted standards. Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing. Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Educational Qualifications Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience 2+ years of experience in credit. Show more Show less

Job Requirements Job Description: Position: 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 experienced Relationship Manager to join our Business Banking 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. Key Responsibilities Develop and maintain strong relationships with business clients, understanding their financial needs and providing them with appropriate solutions Identify and acquire new business clients through various channels such as referrals, networking, and cold calling Conduct thorough financial analysis of potential clients to assess creditworthiness and risk Prepare and present credit proposals to the credit committee for approval Monitor and manage the performance of the assigned portfolio, ensuring timely and effective resolution of any issues or concerns Collaborate with internal teams such as product, operations, and credit to ensure seamless delivery of services to clients Stay updated on market trends and competition to identify new business opportunities and improve existing products and services Achieve individual and team targets for business growth and profitability 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 acquiring and managing business clients Excellent communication, negotiation, and relationship management skills Ability to analyze financial statements and assess credit risk Proficient in MS Office and CRM software Knowledge of local market and competition is preferred Must be willing to travel for client meetings and business development activities We offer a competitive salary and benefits package, as well as opportunities for career growth and development. If you are a driven and results-oriented individual with a passion for business banking, we want to hear from you. Apply now to join our dynamic team at IDFC FIRST Bank. Show more Show less

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

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 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, Fresher Pay: ₹13,400.00 - ₹16,100.00 per month Benefits: Health insurance Leave encashment Life insurance Provident Fund Schedule: Day shift Monday to Friday Supplemental Pay: Yearly bonus Ability to commute/relocate: Ladwa, Haryana: Reliably commute or willing to relocate with an employer-provided relocation package (Required) Language: Hindi (Required) Work Location: In person

Hiring for CPA Executive Location - Okhla Industrial Estate Phase 3 Rd, New Delhi, Delhi 110020, Near Modi Mill. Compensation: - 18K to 19K in hand Job Description – 1 – 3 Experience in credit analysis, loan processing, or a related field. · Assist in reviewing and processing loan applications for 3-wheeler loaders and passenger vehicles. · Verify applicant documents and ensure completeness before forwarding for approval. · Conduct preliminary risk assessments by analyzing applicant profiles and creditworthiness. . Coordinate with internal teams and external partners to facilitate loan approvals. . Ensure compliance with company credit policies and regulatory standards. . Maintain accurate records of credit applications and decisions in the loan management System. . Assist in preparing credit reports and summaries for senior management review. . Support the continuous improvement of credit processes and procedures. 8879993655 HR MAMTA Job Types: Full-time, Permanent Pay: ₹17,000.00 - ₹19,000.00 per month Benefits: Health insurance Life insurance Paid sick time Provident Fund Schedule: Day shift Fixed shift Morning shift Supplemental Pay: Yearly bonus Experience: CPA: 1 year (Required) Work Location: In person

Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About Our Banking And Coverage Team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills And Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together We Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What We Offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers Show more Show less

JOB TITLE:U.S Mortgage Underwriter SHIFT TIMING: Must be open for Night Shift POSITION TYPE: Full-Time LOCATION: Chennai Experience Range: 0.6 months – 8 years Notice period: UPTO45Days Job description A Mortgage Underwriter plays a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. The position involves analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. This role ensures that all loans meet the company's lending standards and regulatory requirements. Key Responsibilities: Loan Application Review: ➢ Analyse and verify loan applications, ensuring all required documents are complete and accurate. ➢ Assess the borrower's credit history, employment, income, and debt levels. ➢ Confirm the property's value through appraisal reports. Credit and Financial Analysis: ➢ Evaluate credit reports to determine the borrower's creditworthiness. ➢ Analyse financial statements, tax returns, pay stubs, and other income documentation. ➢ Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. Property Valuation Review: ➢ Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. Compliance and Risk Assessment: ➢ Ensure loans comply with all federal, state, and local regulations. ➢ Adhere to company policies and guidelines. ➢ Identify potential risks and assess the overall risk level of the loan. Essential skills and requirements: • Any bachelor’s degree. • Proven experience in mortgage processing or underwriting. • Strong knowledge of mortgage industry regulations and procedures. • Excellent analytical and problem-solving skills. • Detail-oriented with exceptional organizational abilities. • Proficiency in using mortgage processing software and financial tools. • Effective communication and interpersonal skills. • Ability to work efficiently under pressure and meet tight deadlines. • Solid understanding of financial statements and credit reports. • Certification in mortgage underwriting or related fields is a plus. Show more Show less

Job ID: 31686 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 10 Jun 2025 Job Summary Our Credit Analysts have extensive knowledge of our risk assessment and portfolio risk management framework which they use to support our Account Managers with credit reviews, ongoing risk monitoring and client creditworthiness. They also assess Standard Chartered’s risk appetite against market and economic conditions across the different markets and asset classes. About our Banking and Coverage team Our Banking and Coverage team owns and leads the management and development of our Client Relationships globally. They work across our global network with product partners to deliver working capital, financing, trade, cash and market solutions for our clients. The solutions include varied products and services, from sustainable trade finance to credit derivatives, to mergers and acquisitions advisory. About Corporate & Investment Banking (CIB) For more than 170 years we’ve support clients with their transaction banking, financial markets, corporate finance and borrowing needs and provide solutions to nearly 20,000 clients in the world’s fastest-growing economies and most active trade corridors. Key Responsibilities Lead credit reviews, analyse and monitor client credit risk, to ensure creditworthiness. Provide insightful, succinct and timely client portfolio credit analysis. Accountable for spreading financials, proposing credit grades aligned to scorecards, documenting client risk and mitigants, and monitoring for credit-material events. Partner with Banking, Coverage and Risk teams to develop and execute credit analysis, credit origination and monitoring relevant matters. Deliver client fraud risk assessments to defined standards, documenting residual risks and mitigants. Credit intelligence to identify business opportunities with an acceptable risk profile by supporting Relationship Managers, FI Bankers and Product teams with product solutioning and recommendations. Provide credit analysis with consideration for market dynamics and client industry, including: Industry risks and client competitive positioning within the industry. Client funding strategy, financial policies, treasury activities, including hedging, and cash management. Analyse client cash flow and liquidity with ratio analysis and/or stress testing balance sheet strength, cash flow and profitability vulnerability. Reputational risk profile, including climate and sustainability risks. Skills and Experience Risk management lifecycle. Financial forecasting and modelling. Financial and quantitative skills. Client due diligence. Using client behaviours and preferences to evolve products and services. Product knowledge for Markets, Transaction Banking and Corporate Finance. Knowledge of the financial services' regulatory environment. Data analysis and visualisation. Ability to work under pressure, in a dynamic environment. Competencies Action Oriented Collaborates Customer Focus Gives Clarity & Guidance Manages Ambiguity Develops Talent Drives Vision & Purpose Nimble Learning Decision Quality Courage Instills Trust Strategic Mindset Technical Competencies: This is a generic competency to evaluate candidate on role-specific technical skills and requirements About Standard Chartered We're an international bank, nimble enough to act, big enough for impact. For more than 170 years, we've worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If you're looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we can't wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, you'll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. Recruitment Assessments Some of our roles use assessments to help us understand how suitable you are for the role you've applied to. If you are invited to take an assessment, this is great news. It means your application has progressed to an important stage of our recruitment process. Visit our careers website www.sc.com/careers www.sc.com/careers

Senior Data Researcher Ahmedabad, India Data Management 310048 Job Description About The Role: Grade Level (for internal use): 08 The Team Data Quality Measurement teams execute analyses and implement controls to ensure information quality for the associated client group. A key goal of this job family is to ensure that the data sets used by the user group is of high quality and considered to be sufficient, timely and reliable considering the standards that are set by the business or regulating entity/industry group, if applicable. The team consists of highly trained data quality professionals, who understand the business and who strive to deliver outstanding client experience, while helping to mitigate regulatory and legal risk exposure to the organization. Responsibilities and Impact Engages with stakeholders to define requirements and usage needs for the measurement of data quality for a specific region or part of a business. Undertakes ownership for the on-going delivery of data quality measurement activities with a concentrated focus on a specific region or part of a business. On identification of data quality issues, performs analysis and escalates for next level review to remediate the issue and achieve high quality data. Performs testing of defined use cases on new technology and deliver results on data tasks performed; identifies sources or errors. Performs basic root cause analysis on smaller self-contained data analysis tasks that may be related to assigned projects or other unfamiliar projects. Delivers testing of defined use cases as part of data audits on new data vendors. Delivers data quality processes to assure S&P Ratings compliance against regulatory requirements. Performs data queries to identify and drive correction of data inconsistencies. Functional and Business Knowledge Applies basic knowledge of data development lifecycle, theories and work tools developed through past experience to best complete assignments. Basic knowledge of the business and the data quality objectives for his/her team. Problem Solving Identifies and solves problems in data domain of primary operation. Ability to analyze a complex business problem or use case and propose clean, objective solutions Ability to listen to & dissect a business problem and translate into objective technical requirements with minimal interaction with business use Passion for problem solving/new technologies Interactions* Works within own team; may interact with other related teams Works with stakeholders in data domain of primary operation to understand processes and procedures Communicates updates on data quality within own team Typical Scope & Impact Contributes to the achievement of personal and team objectives. Minimum and Preferred Education What We’re Looking For Basic Required Qualifications Bachelor's degree or equivalent experience. An S&P Global employee in a similar position would typically have 3-4 years of experience in data operations, preferably in a data quality role. Proficiency in Data Visualization, Data Analytics, and tools like Advanced Excel, SQL, Oracle database, Power BI, ETL, Python. General understanding of financial and market data. General understanding of data and data flows Ability to deliver prioritized tasks on time Willingness to ask questions and escalate where concerns are not resolved Additional Preferred Qualifications Experience in data quality roles is an advantage. Ability to work effectively within a large, global team. Strong written and verbal communication skills. Attention to detail and problem-solving capabilities. 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), DTMGOP203 - Entry Professional (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 310048 Posted On: 2025-06-10 Location: Ahmedabad, Gujarat, India

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

Skills: sales, Business-to-Business (B2B), Lead Generation, Negotiation, Team Leadership, Sales Strategy, Channel Sales, Role: Sales Manager Exp: 2-4 Years Location: Kolkata Qualification: MBA Job Description: - Achieve monthly, quarterly, and yearly sales targets for the assigned territory. Develop and implement dealer-level plans to meet business objectives and work proactively towards target achievement. Drive growth for both core and high-priority products. Analyse territory data to identify opportunities, address gaps, and implement targeted strategies. Expand the dealer network by on boarding new dealers and boosting engagement. Address and resolve dealer queries promptly to maintain strong, productive relationships. Coordinate with internal teams to ensure product, service, and promotional material availability for dealers. Implement and manage marketing strategies, including promotions, pricing, product mix, and distribution policies. Collect receivables per company norms and conduct periodic creditworthiness reviews of business partners. Conduct regular meetings with architects, interior designers, and builders to establish relationships, understand project requirements, and promote the companys products and solutions. Identify opportunities for collaboration and drive business growth through strategic partnerships. Organize and execute training sessions for dealers to enhance their knowledge of products, sales techniques, and market trends. Ensure dealers are equipped with the tools and skills necessary to represent the brand effectively and achieve sales targets. Provide senior management with detailed sales reports and market analyses, offering strategic growth recommendations. Manage the sales cycle from prospecting to successful closure. Prepare and submit regular performance and client interaction reports. Utilize CRM tools and Microsoft Excel for data management and analysis Show more Show less

Skills: Market Analysis, Hardware, Hardware Sales, Channel Sales, Trading Sales, Sales, B2B, Sales Manager Hardware Channel Experience: 2-4 Years Locations : Ahmedabad Qualification: MBA About Aristo India Pvt Ltd: Aristo India Pvt Ltd is a leading manufacturer and supplier of wardrobe shutters, furniture, and aluminium profiles, with a global presence across 14 countries. With a strong focus on design and sales, we are committed to delivering high-quality solutions to our customers. Role Overview We are seeking a dynamic and results-driven Sales Manager Hardware Channel to drive growth, expand our dealer network, and achieve sales targets. The ideal candidate will be responsible for developing and implementing sales strategies, managing dealer relationships, and ensuring revenue growth in the assigned territory. Key Responsibilities Sales & Business Development: Achieve monthly, quarterly, and annual sales targets by implementing effective sales strategies. Dealer Management: Develop and execute dealer-level plans, onboard new dealers, and enhance engagement to expand the network. Market & Territory Analysis: Analyze territory data, identify growth opportunities, and address gaps with targeted strategies. Product & Promotional Strategy: Drive sales for core and high-priority products while implementing marketing strategies, including promotions, pricing, and distribution policies. Client Relationship Management: Build and maintain strong relationships with dealers and business partners to ensure long-term business success. Operational Excellence: Collaborate with internal teams to ensure product availability, resolve dealer queries, and provide necessary support. Receivables & Credit Management: Ensure timely collection of receivables as per company norms and conduct periodic creditworthiness reviews. Market Outreach & Events: Organize Mini Carpenter Meets (MCMs) and other engagement activities to drive secondary sales. Reporting & Analytics: Provide detailed sales reports and market insights to senior management, offering strategic recommendations for growth. Sales Process Management: Oversee the sales cycle from prospecting to successful closure while maintaining accurate records using CRM tools and Microsoft Excel. Required Skills & Qualifications MBA with 2-4 years of experience in sales and dealer management within the hardware, interior, or furniture industry. Strong business acumen with expertise in B2B sales, dealer expansion, and revenue growth strategies. Proficiency in CRM tools and Microsoft Excel for sales tracking and data management. Excellent communication, negotiation, and relationship management skills. Ability to analyze market trends and implement targeted sales initiatives. Self-motivated, result-oriented, and capable of working in a fast-paced environment. Show more Show less

JD: Zonal Credit Manager Personal Loan Develop and implement credit policies and procedures in line with regulatory requirements and organizational objectives. Evaluate creditworthiness of potential borrowers and approve or reject loan applications within the zone. Monitor and manage credit risk exposure within the zone, ensuring timely identification and mitigation of potential risks. Provide guidance and support to Regional Credit Managers in underwriting decisions and portfolio management. Conduct regular reviews and analysis of loan portfolios to identify trends, opportunities, and areas for improvement. Collaborate with Sales and Business Development teams to achieve business targets while maintaining portfolio quality. Ensure compliance with legal and regulatory requirements related to lending activities. Lead and motivate the Regional Credit Managers to achieve performance targets and maintain high standards of quality. Provide coaching and training to enhance the skills and capabilities of the credit team. Foster a culture of continuous improvement and innovation within the credit function.