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

Company Description WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees. Job Description Full Job Description Position Summary: The Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C’s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Review all mortgage applications and documentation for accuracy and completeness Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Review property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meeting daily production Meeting the daily SLA requirement Meeting the daily Quality requirements Qualifications Education: Bachelors in any stream. Experience: 2+ years’ increasingly responsible experience in related areas. Knowledge/Skills/Abilities: Experienced mortgage professional with 2-3 years with mortgage underwriting. Has a complete understanding of Conventional, FHA and VA underwriting guidelines. Has working knowledge of real estate lending criteria and federal, state, and agency compliance Can multi-task and manage time efficiently Has strong organizational skills, attention to detail, and basic Microsoft Office skills Good analytical and problem-solving skills. Strong organization and verbal and written communications skills. Highly adaptive and open to changes as the organization grows and its needs evolve. Qualifications Batchelor's Degree (Any) Show more Show less

Java Developer Hyderabad, India Information Technology 313268 Job Description About The Role: Grade Level (for internal use): 10 The Team: The current team is composed of highly skilled engineers with solid development background who build and manage tier-0 platforms in AWS cloud environments. In their role, they will play a pivotal part in shaping the platform architecture and engineering. Their additional tasks include, exploring new innovative tools that benefit the organization needs, developing services and tools around the platform, establishing standards, creating reference implementations, and providing support for application integrations on need basis. The Impact: This role is instrumental in constructing and maintaining dependable production systems within cloud environments. The team bears the crucial responsibility for ensuring high availability, minimizing latency, optimizing performance, enhancing efficiency, overseeing change management, implementing robust monitoring practices, responding to emergencies, and strategically planning for capacity. The impact of this team is pivotal for the organization, given its extensive application portfolio, necessitating a steadfast commitment to achieving and maintaining a 99.9% uptime, thus ensuring the reliability and stability of the firm's digital infrastructure. Essential Duties & Responsibilities: As part of a global team of Engineers, deliver highly reliable technology products. Strong focus on developing robust solutions meeting high-security standards. Build and maintain new applications/platforms for growing business needs. Design and build future state architecture to support new use cases. Ensure scalable and reusable architecture as well as code quality. Integrate new use cases and work with global teams. Work with/support users to understand issues, develop root cause analysis and work with the product team for the development of enhancements/fixes. Become an integral part of a high performing global network of engineers/developers working from Colorado, New York, and India to help ensure 24x7 reliability for critical business applications. As part of a global team of engineers/developers, deliver continuous high reliability to our technology services. Strong focus towards developing permanent fixes to issues and heavy automation of manual tasks. Provide technical guidance to junior level resources. Works on analyzing/researching alternative solutions and developing/implementing recommendations accordingly. Technical Qualifications Required: Bachelor / MS degree in Computer Science, Engineering or a related subject Must have 5 to 8 years of working experience in Java with Spring technology Must have API development experience Ability to use CICD flow and distribution pipelines to deploy applications Working experience with DevOps tools such as Git, Azure DevOps, Jenkins, Maven Solid understanding of Cloud technologies and the use of Terraform for building and managing infrastructures Experience in developing, deploying & debugging cloud applications Strong knowledge of Functional programming, Linux and Docker Nice to have Technical Skills : Knowledge and experience of Identity Federation, Single Sign-On, MFA, Directory Services technologies Familiar with IDM standards and protocols like SAML, OIDC, JWT token, etc. Working experience with AWS and OKTA is a plus Experience in building single-page applications with Angular or ReactJS in conjunction with Python scripting Familiarity with web services, messaging, identity & access control, monitoring Experience in developing micro services and deploying on Kubernetes Working experience with API Gateway, Apache and Tomcat server, Helm, Ansible, Terraform, CI/CD, Azure DevOps, Jenkins, Git, Splunk, Grafana, Prometheus, Jaeger(or other OTEL products), LDAP, Confluent Platform, Active MQ. Understanding of messaging via MQ/Kafka Additional Required skills: Good written and oral communication skills. Experience in maintaining focus and driving results in a fast-paced, dynamic environment. A strong background interfacing with multiple groups; ability to coordinate effectively, multi-task and manage pressure. Proven ability to work using different styles as needed to accommodate the situations encountered. Experience in assessing change impacts and the development of task estimates. Strong analytic, problem solving and decision-making skills. Education Bachelors’ degree in Computer Science, Information Systems or Engineering is required, or in lieu, a demonstrated equivalence in work experience. 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 Inclusive Hiring and Opportunity at S&P Global: At S&P Global, we are committed to fostering an inclusive workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and equal opportunity, 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), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 313268 Posted On: 2025-04-16 Location: Hyderabad, Telangana, India

Position: Credit Manager - Working Capital NBFC ( Unsecured Credit ) Job Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance. Key Responsibilities: Credit Assessment: Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data. Utilize credit scoring models and risk assessment tools to make informed lending decisions. Underwriting: Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower. Collaborate with the underwriting team to ensure accurate and timely processing of loan applications. Credit Policy Development: Contribute to the development and refinement of the company's credit policies and guidelines. Ensure that lending practices adhere to regulatory requirements and industry best practices. Risk Mitigation: Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests. Portfolio Management: Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults. Conduct periodic reviews of client financials to assess ongoing creditworthiness. Relationship Management: Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms. Compliance and Reporting: Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary. Generate and analyse credit-related reports to support decision-making and risk assessment. Team Collaboration: Collaborate with the sales team to understand client needs and provide input on credit decisions. Provide guidance and mentorship to junior members of the credit team. Qualifications: 8-12 Years of Experience Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous. Proven experience in credit analysis and risk management within an NBFC or financial institution , with a focus on working capital lending(Business loan, OD, CC Limits etc) Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors. Knowledge of relevant regulatory frameworks and compliance requirements. Excellent communication and interpersonal skills. Analytical mindset and proficiency in using financial modelling and risk assessment tools. Location- Netaji Subhash Place, Delhi Job Type: Full-time Pay: ₹1,000,000.00 - ₹1,300,000.00 per year Schedule: Day shift Application Question(s): What is your notice period? Have you worked with NBFC or financial organisation? Have you worked on Unsecured Credit? Work Location: In person

Job Requirements Job Description Job Title – Credit Manager - Mortgage Rural Business Unit - Retail Banking Function - Credit - Mortgage 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: - Any Graduation Experience 2+ years of experience in credit. Show more Show less

Job ID: 31318 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 5 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

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

Financial Analysis: Gathering, analyzing, and interpreting financial data to identify trends, risks, and opportunities. Reporting: Preparing financial reports and presentations for internal and external use. Data Entry and Management: Maintaining accurate financial records and databases. Budgeting and Forecasting: Assisting with the budgeting process, developing financial forecasts, and analyzing variances. Client Support: Providing support to clients, particularly in junior financial advisor roles. Audits and Compliance: Helping with audit procedures and ensuring compliance with financial regulations. Financial Modeling: Creating and maintaining financial models to support decision-making. Data Visualization: Creating charts and graphs to communicate financial information effectively. Communication: Communicating financial information clearly and concisely to various stakeholders. Collaboration: Working with other departments to support financial operations. Skills Required: Analytical Skills: Strong ability to analyze financial data and identify trends. Problem-Solving Skills: Ability to identify and resolve financial issues. Communication Skills: Ability to communicate financial information clearly and concisely. Financial Literacy: Understanding of financial concepts and accounting principles. Proficiency in Software: Experience with financial software and analytical tools. Time Management: Ability to manage multiple tasks and meet deadlines. Attention to Detail: Accuracy in data entry and analysis. Adaptability: Ability to learn new skills and adapt to changing business needs. Common Entry-Level Finance Roles: Financial Analyst: Analyzing financial data and providing insights for decision-making. Junior Financial Analyst: Assisting senior analysts with research and analysis. Accounting Assistant: Assisting accountants with various tasks, including data entry and reconciliation. Finance Clerk: Performing clerical duties for the finance department. Junior Financial Advisor: Providing support to financial advisors and clients. Credit Analyst: Evaluating the creditworthiness of potential borrowers. Tax Preparer: Preparing tax returns and other tax documents. Job Types: Full-time, Permanent, Fresher Pay: ₹18,000.00 - ₹38,000.00 per month Benefits: Provident Fund Schedule: Day shift Work Location: In person

Date live: 06/04/2025 Business Area: Risk Area of Expertise: Risk and Quantitative Analytics Contract: Permanent Reference Code: JR-0000049830 In Risk Barclays develops, recommends, and implements controls and cost-effective approaches to minimise Barclay's risks, identifies and analyses potential sources of loss to minimise risk and estimate the potential financial consequences of an occurring loss. See your commute Embark your transformative journey as a Unsecured Capital Model Risk-Vice President. At Barclays we are committed to pushing boundaries where you'll spearhead the evolution of our Model Risk landscape, driving innovation and excellence. You will be working with experts like Model developers and Tech consultants, connect the dots with Regulatory requirements, Portfolio strategy; brainstorm within team and then taking a sustainable decision that can withstand the challenges from IVU, Audit & Regulators. You will be understanding the customer credit behavioural trends, optimise portfolio risk and return, analytically design credit policies and underwriting strategies, and set credit parameters for all programmes that impact customers to ensure loss rates remain within risk appetite whilst the expected reward is achieved which cuts across the several different products within the UK market including Credit Card, Loan, Partner Finance, and personal Current Account & Overdraft businesses. To be successful as a Unsecured Capital Model Risk-Vice President, you should have experience with: Excellent communication skills who appreciate the importance of narratives, ability to challenge and speak-up to drive the right outcomes for the business and our customers. Sound people management skills . Ability to work independently, advise stakeholders, and thrive in a dynamic and fast paced environment. Expert with Advanced Statistical model development or validation . Proficient with Regulation (Basel, IFRS9) and interpretation. Proficient with SAS/ Python, Ms-office tools. Ability to provide oversight to strategic initiatives to large scale changes in the data or platform. Some other highly valued skills may include: Strong academic background in a numerical discipline e.g. mathematics, statistics, informatics, economics, physics etc. Excellent quantitative skills with exceptional analytical skills and logical thinking. Understanding of Basel 3.1, IFRS9 and BCBS regulation and how they interact. Experience designing Regulatory Capital models – PD, EAD, LGD for retail portfolios. Advanced understanding of automation tools like Tableau, GenAI integration into productivity improvement . You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. This role will be based out of Noida. Purpose of the role To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio. Accountabilities Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions. Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio. Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses. Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile. Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. (Opens in new tab or window) (Opens in new tab or window) (Opens in new tab or window) Reasonable adjustment Our purpose Equal opportunities Right to work statement Learn more about Barclays locations Across our campuses, we offer modern workspaces, collaborative areas, and state-of-the-art meeting rooms. Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations. Designed for innovation and comfort, they support a dynamic and productive work environment. Health and wellness A place where you can belong Collaborative Areas More than work Be you. Be valued. Belong. We celebrate the unique perspectives and experiences each individual brings, believing our differences make us stronger and drive success. You can learn more about our commitment to our colleague on our Inclusion and Opportunities page. Learn more Application Process Your application We’ll ask for information about you, your CV and cover letter. 1 Your assessment Covering your behaviours and ability at work. 2 Your interview Exploring your past experiences and skills. 3 Next step We’ll request additional information so that you can complete our screening process 4 Working flexibly We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports your personal needs, alongside the professional needs of our business. If you'd like to explore flexible working arrangements, please discuss this with the hiring manager. Your request will be reviewed in-line with the requirements of the role/business needs of the team. Hybrid working We have a structured approach to hybrid working, where colleagues work at an onsite location on fixed, ‘anchor’, days, as set by the business area. Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business. Barclays is built on an international scale. Our geographic reach, our wide variety of functions, businesses, roles and locations reflect the rich diversity of our worldwide customer base. All of which means we offer incredible variety, depth and breadth of experience. And the chance to learn from a globally diverse mix of colleagues, including some of the very best minds in banking, finance, technology and business. Throughout, we’ll encourage you to embrace mobility, exploring every part of our operations as you build your career.

Here’s Where You’ll Demonstrate Your Competencies Lead and oversee AR collections activities across Emerging Asia (Mainly India and Thailand), ensuring timely collections and reduction of DSO. Manage the full AR lifecycle: invoicing, dispute resolution, cash application, and follow-up. Partner with commercial and sales teams to drive accountability for collections, particularly in complex cases. Own daily, monthly collection and timely AR aging reports and drive regular reviews with Global Stakeholders which includes the reporting of APAC nos. Work closely with customers to resolve payment delays, disputes, and ensure contractual compliance. Establish controls and ensure all collection activities are aligned with company policies and compliance standards. Monitor credit limits, customer creditworthiness, and recommend risk mitigation strategies. Collaborate with Shared Service Center (if applicable) for AR operational activities. Support external/internal audits, provide necessary documentation, and ensure audit readiness. Lead process improvement projects using FBS tools (Daily Management, Kaizen, Root Cause Analysis, Visual Management, etc.). Drive performance metrics such as DSO, collection efficiency, dispute resolution turnaround time. Communicates and coordinates with various members of the organization to ensure accuracy of systems and reporting. Respond to inquiries and ad-hoc analysis and reporting. Fortive Corporation Overview Fortive’s essential technology makes the world stronger, safer, and smarter. We accelerate transformation across a broad range of applications including environmental, health and safety compliance, industrial condition monitoring, next-generation product design, and healthcare safety solutions. We are a global industrial technology innovator with a startup spirit. Our forward-looking companies lead the way in software-powered workflow solutions, data-driven intelligence, AI-powered automation, and other disruptive technologies. We’re a force for progress, working alongside our customers and partners to solve challenges on a global scale, from workplace safety in the most demanding conditions to groundbreaking sustainability solutions. We are a diverse team 17,000 strong, united by a dynamic, inclusive culture and energized by limitless learning and growth. We use the proven Fortive Business System (FBS) to accelerate our positive impact. At Fortive, we believe in you. We believe in your potential—your ability to learn, grow, and make a difference. At Fortive, we believe in us. We believe in the power of people working together to solve problems no one could solve alone. At Fortive, we believe in growth. We’re honest about what’s working and what isn’t, and we never stop improving and innovating. Fortive: For you, for us, for growth. About Advanced Sterilization Products ASP is a leading global provider of innovative sterilization and disinfection solutions, and a pioneer of low-temperature hydrogen peroxide sterilization technology.ASP’s mission is to protect patients during their most critical moments. We support healthcare facilities in the fight to protect patients against hospital acquired infections, which are a leading cause of morbidity and mortality. ASP’s products, which are sold globally, include the STERRAD system for sterilizing instruments and the EVOTECH and ENDOCLENS systems for endoscope reprocessing and cleaning. We Are an Equal Opportunity Employer. Fortive Corporation and all Fortive Companies are proud to be equal opportunity employers. We value and encourage diversity and solicit applications from all qualified applicants without regard to race, color, national origin, religion, sex, age, marital status, disability, veteran status, sexual orientation, gender identity or expression, or other characteristics protected by law. Fortive and all Fortive Companies are also committed to providing reasonable accommodations for applicants with disabilities. Individuals who need a reasonable accommodation because of a disability for any part of the employment application process, please contact us at applyassistance@fortive.com. Bonus or Equity This position is also eligible for bonus as part of the total compensation package. ASP is a leading global provider of innovative sterilization and disinfection solutions, and a pioneer of low-temperature hydrogen peroxide sterilization technology.ASP’s mission is to protect patients during their most critical moments. We support healthcare facilities in the fight to protect patients against hospital acquired infections, which are a leading cause of morbidity and mortality. ASP’s products, which are sold globally, include the STERRAD system for sterilizing instruments and the EVOTECH and ENDOCLENS systems for endoscope reprocessing and cleaning. We Are an Equal Opportunity Employer. Fortive Corporation and all Fortive Companies are proud to be equal opportunity employers. We value and encourage diversity and solicit applications from all qualified applicants without regard to race, color, national origin, religion, sex, age, marital status, disability, veteran status, sexual orientation, gender identity or expression, or other characteristics protected by law. Fortive and all Fortive Companies are also committed to providing reasonable accommodations for applicants with disabilities. Individuals who need a reasonable accommodation because of a disability for any part of the employment application process, please contact us at applyassistance@fortive.com. This position is also eligible for bonus as part of the total compensation package. Show more Show less

Work Type: Full-time | On-site| Working Hours: Standard business hours Location - Mumbai, India Compensation (Yearly): ₹800,000 – ₹1,300,000 Note: If shortlisted, we’ll contact you via WhatsApp and email. Please monitor both and respond promptly. About The Client We are hiring for a financial services provider operating in the NBFC space, focused on business and secured lending solutions. The organization is scaling operations and seeks strong risk governance and credit control mechanisms. About The Role We are looking for an experienced Risk Manager with a strong background in NBFC-secured lending, especially Loan Against Property (LAP) and business loans. The role involves evaluating borrower creditworthiness, approving secured loans, and drafting SOPs and risk policies. You'll collaborate with underwriting and collections teams, ensuring compliance with RBI guidelines and risk tolerance thresholds. Key Responsibilities Independently evaluate and sanction secured loans (LAP, MSME, WC Loans) Assess borrower creditworthiness and enforce risk mitigation policies Analyze banking and financial statements for credit decisions Collaborate with collections to control NPAs and improve recoveries Draft and implement SOPs and credit policies aligned with compliance standards Monitor regulatory changes and ensure policy updates accordingly Generate regular risk dashboards and insights for management Align credit strategy with business goals through collaboration with underwriting teams Must-Have Qualifications 3–6 years’ experience in risk management in an NBFC or bank Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred) Strong knowledge of RBI regulations and lending compliance Hands-on experience with LOS, LMS, and credit risk models Excellent written/verbal communication and decision-making ability under pressure Show more Show less

Work Type: Full-time | On-site| Working Hours: Standard business hours Location - Mumbai, India Compensation (Yearly): ₹800,000 – ₹1,300,000 Note: If shortlisted, we’ll contact you via WhatsApp and email. Please monitor both and respond promptly. About The Client We are hiring for a financial services provider operating in the NBFC space, focused on business and secured lending solutions. The organization is scaling operations and seeks strong risk governance and credit control mechanisms. About The Role We are looking for an experienced Risk Manager with a strong background in NBFC-secured lending, especially Loan Against Property (LAP) and business loans. The role involves evaluating borrower creditworthiness, approving secured loans, and drafting SOPs and risk policies. You'll collaborate with underwriting and collections teams, ensuring compliance with RBI guidelines and risk tolerance thresholds. Key Responsibilities Independently evaluate and sanction secured loans (LAP, MSME, WC Loans) Assess borrower creditworthiness and enforce risk mitigation policies Analyze banking and financial statements for credit decisions Collaborate with collections to control NPAs and improve recoveries Draft and implement SOPs and credit policies aligned with compliance standards Monitor regulatory changes and ensure policy updates accordingly Generate regular risk dashboards and insights for management Align credit strategy with business goals through collaboration with underwriting teams Must-Have Qualifications 3–6 years’ experience in risk management in an NBFC or bank Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred) Strong knowledge of RBI regulations and lending compliance Hands-on experience with LOS, LMS, and credit risk models Excellent written/verbal communication and decision-making ability under pressure Show more Show less

Work Type: Full-time | On-site| Working Hours: Standard business hours Location - Mumbai, India Compensation (Yearly): ₹800,000 – ₹1,300,000 Note: If shortlisted, we’ll contact you via WhatsApp and email. Please monitor both and respond promptly. About The Client We are hiring for a financial services provider operating in the NBFC space, focused on business and secured lending solutions. The organization is scaling operations and seeks strong risk governance and credit control mechanisms. About The Role We are looking for an experienced Risk Manager with a strong background in NBFC-secured lending, especially Loan Against Property (LAP) and business loans. The role involves evaluating borrower creditworthiness, approving secured loans, and drafting SOPs and risk policies. You'll collaborate with underwriting and collections teams, ensuring compliance with RBI guidelines and risk tolerance thresholds. Key Responsibilities Independently evaluate and sanction secured loans (LAP, MSME, WC Loans) Assess borrower creditworthiness and enforce risk mitigation policies Analyze banking and financial statements for credit decisions Collaborate with collections to control NPAs and improve recoveries Draft and implement SOPs and credit policies aligned with compliance standards Monitor regulatory changes and ensure policy updates accordingly Generate regular risk dashboards and insights for management Align credit strategy with business goals through collaboration with underwriting teams Must-Have Qualifications 3–6 years’ experience in risk management in an NBFC or bank Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred) Strong knowledge of RBI regulations and lending compliance Hands-on experience with LOS, LMS, and credit risk models Excellent written/verbal communication and decision-making ability under pressure Show more Show less

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

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 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 2000 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

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 Title: Credit Analyst Location: Pune Employment Type: Full-Time Role Overview We are seeking a dynamic and analytical Credit Analyst to join our credit risk team. The ideal candidate will be responsible for preparing robust credit models, conducting credit scoring, and drafting detailed credit memos that support sound, rapid lending decisions. This role demands strong financial acumen, a deep understanding of SME and corporate credit risk, and the ability to operate in a fast-paced, high-impact environment. Key Responsibilities Credit Modeling: Develop and maintain quantitative credit risk models to assess borrower creditworthiness and design cash-flow projection models tailored to seasonal, sector-specific SME cycles. Credit Scoring: Apply proprietary and industry-standard credit scoring techniques to MSMEs and corporate clients. Credit Memos: Draft detailed and concise credit memos to support loan approval decisions, integrating financial analysis, industry outlook, and risk assessment. Financial Analysis: Analyze financial statements, cash flows, business plans, and operational metrics to assess credit risk. Experience evaluating thin-file borrowers using alternative/behavioral data. Due Diligence: Perform background checks and validation of submitted documents for credit assessment. Portfolio Monitoring: Continuously monitor existing clients’ financial health and flag early warning signs for deteriorating credit quality. Collaboration: Work closely with Business Development, Risk, and Legal teams to structure funding solutions aligned with risk appetite and customer needs. Automation & Tools: Contribute to the development and refinement of automated underwriting tools and credit scoring models, participate in training data pipelines and validating ML-based underwriting engines. Requirements CA/CFA level 3 cleared. Bachelor’s degree in Finance, Accounting, Economics, or a related field. 2–5 years of experience in credit analysis, preferably in NBFCs, fintechs, or banks. Strong understanding of SME and corporate credit dynamics, especially in emerging markets. Experience in cash-flow-based lending and forward-looking risk assessments is highly desirable. Proficiency in financial modeling and analysis tools (Excel, Python/R/PowerBi is a plus). Excellent written and verbal communication skills; ability to write concise, data-backed credit memos. Comfortable working in a dynamic, fast-paced lending environment with quick turnaround expectations. Strong attention to detail and risk-oriented mindset. Preferred Qualifications Experience with credit scoring frameworks. Exposure to lending to sectors like manufacturing, trading, or logistics. Familiarity with alternative data and digital underwriting methods. About us RCK Analytics Private Limited provides world-class custom equity research, investment research, PE/VE research support, Investment Banking support, analytics, and assurance services to global clients. We work with financial and investment companies, private equity, asset management and hedge funds, investment banks and broking houses, market research firms, consulting firms, and various sector corporates. The environment at RCK Analytics encourages not only best performance, hard work and commitment but also have fun and work life balance. We promote an open, transparent and performance-based culture in our organization. We provide regular training and feedback to people to ensure consistent performance, skill-set enhancement and systematic growth. Show more Show less

JD 1. Co-Lending Partnership Management: ü Build and maintain relationships with co-lending partners (Smaller NBFC). ü Negotiate and finalize co-lending agreements. ü Ensure seamless coordination with partners for loan origination and servicing. 2. Loan Origination and Processing: ü Source new partners and business through partner networks. ü Evaluate loan applications, assess creditworthiness, and recommend approvals for NBFC landing. ü Conduct due diligence, verify documents, and ensure compliance for DA 3. Risk Management & post disbursement transactions ü Monitor loan portfolio performance, identify potential risks. ü Implement risk mitigation strategies, ensure provisioning. ü Maintain accurate records, reports, and dashboards. 4. Regulatory Compliance: ü Ensure adherence to RBI and other regulatory guidelines. ü Maintain up-to-date knowledge of regulatory changes. 5. Internal Stake Holder Management: ü Collaborate with internal teams (credit, operations). ü Provide training and support to partner staff. ü Achieve business targets, meet productivity standards. 6. Post disbursement MIS Specification & Key Requirements- Includes: Education CA /CFA/ MBA-Finance Skill Set (Must) Strong understanding of co-lending models, regulatory framework. Proficient in credit assessment, risk management/NBFC landing. Skill Set (Desired) Excellent communication, negotiation, and relationship-building skills. Analytical, problem-solving, and organizational skills. -Good understanding of Banking and Operations Technical Skill MS Office Professional Certificate (If Any) Risk Management and Credit Analysis Certificates Experience Range 5 – 8 Years Show more Show less

Job ID: 31318 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 5 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 ID: 31317 Location: Delhi, IN Area of interest: Retail Banking Job type: Regular Employee Work style: Office Working Opening date: 5 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

Position: Credit Manager - Working Capital NBFC ( Unsecured Credit ) Job Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance. Key Responsibilities: Credit Assessment: Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data. Utilize credit scoring models and risk assessment tools to make informed lending decisions. Underwriting: Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower. Collaborate with the underwriting team to ensure accurate and timely processing of loan applications. Credit Policy Development: Contribute to the development and refinement of the company's credit policies and guidelines. Ensure that lending practices adhere to regulatory requirements and industry best practices. Risk Mitigation: Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests. Portfolio Management: Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults. Conduct periodic reviews of client financials to assess ongoing creditworthiness. Relationship Management: Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms. Compliance and Reporting: Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary. Generate and analyse credit-related reports to support decision-making and risk assessment. Team Collaboration: Collaborate with the sales team to understand client needs and provide input on credit decisions. Provide guidance and mentorship to junior members of the credit team. Qualifications: 8-12 Years of Experience Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous. Proven experience in credit analysis and risk management within an NBFC or financial institution , with a focus on working capital lending(Business loan, OD, CC Limits etc) Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors. Knowledge of relevant regulatory frameworks and compliance requirements. Excellent communication and interpersonal skills. Analytical mindset and proficiency in using financial modelling and risk assessment tools. Location- Netaji Subhash Place, Delhi Job Type: Full-time Pay: ₹1,000,000.00 - ₹1,300,000.00 per year Schedule: Day shift Application Question(s): What is your notice period? Have you worked with NBFC or financial organisation? Have you worked on Unsecured Credit? Work Location: In person

Embark your transformative journey as a Unsecured Capital Model Risk-Vice President. At Barclays we are committed to pushing boundaries where you'll spearhead the evolution of our Model Risk landscape, driving innovation and excellence. You will be working with experts like Model developers and Tech consultants, connect the dots with Regulatory requirements, Portfolio strategy; brainstorm within team and then taking a sustainable decision that can withstand the challenges from IVU, Audit & Regulators. You will be understanding the customer credit behavioural trends, optimise portfolio risk and return, analytically design credit policies and underwriting strategies, and set credit parameters for all programmes that impact customers to ensure loss rates remain within risk appetite whilst the expected reward is achieved which cuts across the several different products within the UK market including Credit Card, Loan, Partner Finance, and personal Current Account & Overdraft businesses. To be successful as a Unsecured Capital Model Risk-Vice President, you should have experience with: Excellent communication skills who appreciate the importance of narratives, ability to challenge and speak-up to drive the right outcomes for the business and our customers. Sound people management skills . Ability to work independently, advise stakeholders, and thrive in a dynamic and fast paced environment. Expert with Advanced Statistical model development or validation . Proficient with Regulation (Basel, IFRS9) and interpretation. Proficient with SAS/ Python, Ms-office tools. Ability to provide oversight to strategic initiatives to large scale changes in the data or platform. Some Other Highly Valued Skills May Include Strong academic background in a numerical discipline e.g. mathematics, statistics, informatics, economics, physics etc. Excellent quantitative skills with exceptional analytical skills and logical thinking. Understanding of Basel 3.1, IFRS9 and BCBS regulation and how they interact. Experience designing Regulatory Capital models – PD, EAD, LGD for retail portfolios. Advanced understanding of automation tools like Tableau, GenAI integration into productivity improvement . You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. This role will be based out of Noida. Purpose of the role To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio. Accountabilities Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions. Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio. Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses. Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile. Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. 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Embark your transformative journey as a Unsecured Capital Model Risk-Vice President. At Barclays we are committed to pushing boundaries where you'll spearhead the evolution of our Model Risk landscape, driving innovation and excellence. You will be working with experts like Model developers and Tech consultants, connect the dots with Regulatory requirements, Portfolio strategy; brainstorm within team and then taking a sustainable decision that can withstand the challenges from IVU, Audit & Regulators. You will be understanding the customer credit behavioural trends, optimise portfolio risk and return, analytically design credit policies and underwriting strategies, and set credit parameters for all programmes that impact customers to ensure loss rates remain within risk appetite whilst the expected reward is achieved which cuts across the several different products within the UK market including Credit Card, Loan, Partner Finance, and personal Current Account & Overdraft businesses. To be successful as a Unsecured Capital Model Risk-Vice President, you should have experience with: Excellent communication skills who appreciate the importance of narratives, ability to challenge and speak-up to drive the right outcomes for the business and our customers. Sound people management skills . Ability to work independently, advise stakeholders, and thrive in a dynamic and fast paced environment. Expert with Advanced Statistical model development or validation . Proficient with Regulation (Basel, IFRS9) and interpretation. Proficient with SAS/ Python, Ms-office tools. Ability to provide oversight to strategic initiatives to large scale changes in the data or platform. Some Other Highly Valued Skills May Include Strong academic background in a numerical discipline e.g. mathematics, statistics, informatics, economics, physics etc. Excellent quantitative skills with exceptional analytical skills and logical thinking. Understanding of Basel 3.1, IFRS9 and BCBS regulation and how they interact. Experience designing Regulatory Capital models – PD, EAD, LGD for retail portfolios. Advanced understanding of automation tools like Tableau, GenAI integration into productivity improvement . You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as well as job-specific technical skills. This role will be based out of Noida. Purpose of the role To manage and optimise the bank's overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio. Accountabilities Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions. Analysis of credit trends, identify early warning signs of potential borrowers' issues, and assess the impact of economic and market developments on the portfolio. Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses. Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolio's risk profile. Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department’s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as well as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L – Listen and be authentic, E – Energise and inspire, A – Align across the enterprise, D – Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. 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