672 Creditworthiness Jobs - Page 8

Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer’s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations. Position Details: Position: Credit Analyst Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am – 8:00pm IST Department: President’s Choice Financial Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Fraud and Credit Risk Review: Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification. Analyze conversations with applicants in real-time to assess potential fraud risk. Document and approve requirements based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset. Minimum of 2-3 year of customer service experience. Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

Position Title: Supervisor, Credit and AML/ATF Analysts Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am - 8:00pm EST Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Team Management: Supervise and lead a team of Credit Analysts and AML/ATF Analysts. Provide guidance, training, and support to team members to ensure high performance and professional development. Conduct regular team meetings to review performance, address issues, and communicate updates. Fraud and Credit Risk Review: Oversee the review of new applications for fraud and credit risk, including outbound calls for fraud and employment verification. Supervise real-time analysis of conversations with applicants to assess potential fraud risk. Ensure documentation and approval requirements are based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Alert Review and Investigation: Investigate accounts and internet sources to determine cardholder eligibility as Politically Exposed Persons/Foreign Persons (PEP/PEFP). Conduct thorough investigations to make determinations related to the Suppression of Terrorism and Economic Sanctions (SOT). Review and analyze unusual transactions that may qualify for reporting under the Prevention of Money Laundering Act (PMLA) guidelines. Data Analysis and Reporting: Analyze data quickly and efficiently to identify potential risks and ensure compliance with AML/AFT regulations. Maintain a high level of accuracy in report maintenance and tracking, ensuring all findings are documented and reported appropriately. Compliance and Risk Management: Ensure all activities are conducted in compliance with relevant AML/AFT legislation and internal policies. Collaborate with other departments to address and mitigate identified risks. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Minimum of 5 years of experience in credit and AML operations or related fields. Previous supervisory experience in the financial sector is an asset. Fluent in English; proficiency in French is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department.

"Position Overview: As a Credit Analyst, you will be part of a team performing outbound calls and offline work, adjudicating credit, conducting thorough investigations on credit bureaus, and deciding on the customer’s creditworthiness. Reporting to the Supervisor, Operations, this role offers a solid foundation for a career in Credit Card Operations. Position Details: Position: Credit Analyst Status: Full Time – Work from Office Hours: Monday – Friday, 9:00am – 8:00pm IST Department: President’s Choice Financial Rate of Pay: Competitive salary based on experience and qualifications Key Responsibilities: Fraud and Credit Risk Review: Review new applications for fraud and credit risk, making outbound calls for fraud and employment verification. Analyze conversations with applicants in real-time to assess potential fraud risk. Document and approve requirements based on analysis of credit policies. Credit Management: Administer and control credit terms and limits. Perform credit limit reviews, reinstatements, and account maintenance. Assess creditworthiness of prospective customers, approving, recommending, and negotiating credit terms and limits appropriate to the customer’s requirements and ability. Customer Interaction: Communicate directly with applicants, adhering to brand standards. Liaise effectively with other areas impacting the Credit Department. Provide exceptional customer service while maintaining high efficiency and accuracy in data analysis and report tracking. Compliance and Reporting: Maintain/exceed established standards and targets, adhering to all credit policies, procedures, and guidelines to mitigate risk. Ensure high levels of accuracy in report maintenance and tracking. Qualifications and Requirements: Educational Background: Bachelor's degree in Finance, Business Administration, or a related field preferred. Experience: Previous experience reviewing and approving credit is an asset. Minimum of 3-5 year of customer service experience. Credit card experience required; credit and fraud experience is an asset. Skills and Competencies: Strong communication skills with an excellent command of English (French is an asset) and a professional telephone manner. Demonstrated analytical and judgment skills required in dealing with moderately complex procedures and situations. Ability to communicate tactfully with various levels of business management in a professional manner. Strong organizational and time management skills with the ability to prioritize and manage a heavy workload. Demonstrated ability to implement change efforts. Highly motivated with the ability to work independently in a fast-paced team environment. Knowledge of PCs and strong keyboarding skills. Proficiency in MS Word, Excel, and Outlook is an asset. TSYS/ADM system knowledge is an asset. Flexibility and willingness to work overtime as required. Additional Information: This role requires rotational shifts, which may include evenings, weekends, and holidays. The position offers opportunities for professional growth and development within the Credit Card Operations department. "

About FINB Tech FinB Tech is a fast-growing fintech company focused on building powerful APIs and digital infrastructure that simplify access to verified identity, financial, and compliance data. We partner with government-regulated platforms like UIDAI, NSDL, CIBIL, Equifax, Vahan, Sarathi, GSTN, and more to offer secure and scalable verification, KYC, KYB, credit check, and digital onboarding services. Our mission is to streamline onboarding, creditworthiness evaluation, and compliance workflows for banks, NBFCs, insurance providers, HR firms, and other B2B platforms. With speed, precision, and reliability at our core, we are helping businesses digitize trust. We are seeking a highly motivated and results-driven Sales Executive to join our dynamic and fast-paced sales team at FinB Tech . This role is ideal for professionals who have a strong passion for B2B sales, particularly within the fintech, SaaS, or API-based product domains, and are eager to play a pivotal role in expanding our client base across various industries. As a Sales Executive, you will be responsible for identifying, engaging, and converting qualified leads into long-term clients. You will be at the forefront of presenting our cutting-edge fintech solutions to senior stakeholders such as CXOs, product heads, and key decision-makers. Your ability to understand client pain points, communicate value propositions effectively, and close deals independently will be key to your success in this role. Key Responsibilities: Generate qualified leads and convert them into paying clients. Build and manage the sales and marketing funnel to drive B2B customer acquisition. Reach out to potential clients through cold calling, emails, LinkedIn, and referrals. Present and pitch FINB Tech's fintech products to CXOs, Product heads, and decision-makers. Collaborate with product and marketing teams to refine GTM strategies. Maintain a strong pipeline and track leads through the CRM. Report directly to the management on performance and lead status. Requirements: 1 to 3 years of experience in sales, business development, or client acquisition (preferably in fintech, SaaS, or API-based products). Strong understanding of fintech/B2B sales cycles. Excellent communication and negotiation skills. Ability to independently manage leads and close deals. Knowledge of CRM tools, lead nurturing, and funnel building. What We Offer Fast-track growth opportunities in a high-performance team. Exposure to India’s most innovative fintech ecosystem. Performance-based incentives. Dynamic startup environment and direct access to leadership. Location: Remote/WFH Experience: 1-3 years Employment Type: Full-time Shift Time: 10:00AM to 7:00PM

We are seeking a highly skilled and experienced Credit Valuations Analyst to join our esteemed buy-side client's Valuations Team, specializing in credit valuations of private companies. As a member of the team, you will play a critical role in conducting comprehensive credit valuations, updating valuation models, and providing valuable insights to support informed investment decisions. Key Responsibilities: Conduct Credit Valuations: Perform thorough credit valuations of private credit investments, including analyzing financial statements, credit agreements, and market data to determine creditworthiness and potential risks. Develop and Maintain Credit Valuation Models: Create, maintain, and refine credit valuation models tailored to specific asset classes, ensuring accuracy and relevance. Collaborate with Investment Team: Work closely with the Investment Team to assess and mitigate credit risks associated with existing investments, providing expert analysis and recommendations. Credit Risk Assessment: Perform thorough credit risk assessments on new investment opportunities, analyzing financial statements, credit reports, and market dynamics to inform investment decisions. Modeling and Reporting: Work through complex models to estimate the value of credit investments, considering credit metrics, default probabilities, and recovery rates, and prepare detailed credit valuation reports and presentations for internal and external stakeholders. Monitor Credit Portfolio Performance: Track key credit performance indicators, identify strategies for credit risk mitigation, and ensure compliance with industry standards, accounting regulations, and reporting requirements. Requirements: Master's Degree: Hold a Master's degree in Finance, Economics, Accounting, or a related field. Minimum 3 Years of Experience: Have a minimum of 3 years of experience in credit valuations within the financial services industry. Strong Technical Skills: Demonstrate strong proficiency in financial modeling, credit analysis, and data analysis, with expertise in assessing credit risk, financial statement analysis, and interpreting complex financial data. CFA Designation: Hold a CFA designation or be actively pursuing the CFA program (preferred). Advanced Proficiency in Financial Tools: Possess advanced proficiency in MS Excel, Bloomberg, and other relevant financial analysis tools, such as credit risk modeling software. Excellent Communication Skills: Demonstrate strong written and verbal communication skills, with the ability to present complex credit information effectively and communicate very well with on-shore analysts. Collaborative Mindset: Proven ability to work independently and collaboratively in a fast-paced, dynamic environment. Preferred Qualifications: Experience with Credit Risk Models: Have experience with credit risk models, such as probability of default (PD) models, loss given default (LGD) models, and expected loss (EL) models. Knowledge of Credit Markets: Have a strong understanding of credit markets, including high-yield bonds, leveraged loans, and private credit.

Conduct thorough unit/site inspections, verifications, and due diligence for credit assessment purposes. • Prepare detailed reports in English, summarizing findings from inspections and assessments. • Collaborate with other team members to evaluate creditworthiness and risk associated with loan applications. • Maintain accurate records and documentation related to credit evaluations. • Ensure compliance with regulatory guidelines and internal policies.

Calling all innovators – find your future at Fiserv. We’re Fiserv, a global leader in Fintech and payments, and we move money and information in a way that moves the world. We connect financial institutions, corporations, merchants, and consumers to one another millions of times a day – quickly, reliably, and securely. Any time you swipe your credit card, pay through a mobile app, or withdraw money from the bank, we’re involved. If you want to make an impact on a global scale, come make a difference at Fiserv. Job Title Credit Risk - Professional I Job Description The Credit Risk Analyst will be responsible for evaluating the creditworthiness of potential clients and assessing the overall risk associated with credit decisions. This role involves analyzing financial data, monitoring credit trends, and developing risk assessment models to support informed decision-making. The ideal candidate will possess strong analytical skills, attention to detail, and a passion for driving financial performance while ensuring compliance with regulatory standards. What Will You Do Analyze financial statements, credit reports, and other relevant data to assess the credit risk of potential clients. Monitor existing client accounts to identify potential credit risks and trends. Prepare regular reports on credit risk exposure and present findings to management. Work closely with the underwriting teams to provide insights and recommendations regarding credit decisions. Collaborate with compliance and legal teams to ensure adherence to regulatory requirements. Assist in the development and validation of predictive models to enhance credit decision-making processes. Stay updated on market trends, economic conditions, and regulatory changes that may impact credit risk. Investigations include the gathering of data from various sources and systems and interpreting the data to manage the risk. What Will You Need To Know Strong analytical skills with the ability to interpret complex financial data. Knowledge of credit risk assessment frameworks and regulatory requirements. Excellent communication skills, both written and verbal, with the ability to present findings to stakeholders. What Will Be Great To Have Masters degree in Finance. 2+ years of experience in credit risk analysis, preferably within the payment processing or financial services industry. Detail-oriented, organized, and able to manage multiple priorities effectively. Thank You For Considering Employment With Fiserv. Please Apply using your legal name Complete the step-by-step profile and attach your resume (either is acceptable, both are preferable). Our Commitment To Diversity And Inclusion Fiserv is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, national origin, gender, gender identity, sexual orientation, age, disability, protected veteran status, or any other category protected by law. Note To Agencies Fiserv does not accept resume submissions from agencies outside of existing agreements. Please do not send resumes to Fiserv associates. Fiserv is not responsible for any fees associated with unsolicited resume submissions. Warning About Fake Job Posts Please be aware of fraudulent job postings that are not affiliated with Fiserv. Fraudulent job postings may be used by cyber criminals to target your personally identifiable information and/or to steal money or financial information. Any communications from a Fiserv representative will come from a legitimate Fiserv email address.

JOB DESCRIPTION Role Credit Appraisal · Loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities · Use performance history along with liquidity, debt/asset management and profitability ratios to assess creditworthiness in evaluation · Interact with Customers & understand the monitor delinquencies / infants. · Ensure qualitative portfolio . Daily tasks: · Daily accessing the Medical Loan file · Daily case discussion with Medical Equipment team · Preparing credit underwriting for the cases assigned · Personal discussion calls with customer Medical Loan file · Decision making with predefined TAT · Tele-verification calls to the customer

Greetings for the Day !!! We are Hiring for a Sr. Business Analyst with Financial Spreading software Experience for Hyderabad & Bangalore Location, Please find below attached Detailed Job Description. Job Description : Designation: Business Analyst - Financial Spreading Software Client : IDEXCEL Technologies, Full Time Position Experience: 6+ Years Notice Period: immediate to 15 Days Work Mode: Work From Office( 5 Days in a week) Interview Mode: ( 2 Levels) 1 St Level will be online, 2 nd Level will be F2F. Work Location: Bangalore, Hyderabad Business Analyst - Financial Spreading Software Job Summary We are seeking a highly motivated and experienced Business Analyst to join our team in developing cutting-edge financial spreading software. As a Business Analyst, you will play a crucial role in gathering and documenting business requirements, collaborating with stakeholders, and ensuring the software meets the needs of our clients in the Commercial & Industrial (C&I), Commercial Real Estate (CRE), and Agriculture lending sectors. You will be responsible for understanding the intricacies of financial spreading, creditworthiness assessment, and credit decision-making processes within these industries . A key function of this role is to serve as a liaison between business stakeholders and the development team, ensuring clear communication and alignment on software requirements and functionality . This role requires a deep understanding of the importance of automation and efficiency in financial spreading software. The ideal candidate will be familiar with features such as automated data extraction from financial statements and tax returns , integration with other financial tools , and the ability to improve the speed and accuracy of credit decisions . Responsibilities and Duties · Elicit, analyze, and document detailed business requirements for financial spreading software from various stakeholders, including lenders, credit analysts, and underwriters. · Conduct market research to identify industry trends, best practices, and competitive landscape in financial spreading software, with a focus on C&I, CRE, and Agriculture lending. · Translate business needs into functional and non-functional requirements, user stories, use cases, and process flows for the development team6. · Collaborate with the development team to ensure the software design and functionality align with the documented requirements. · Ensure the software design and functionality adhere to relevant regulations and industry standards in financial spreading and credit risk assessment. · Create comprehensive user acceptance testing (UAT) plans and test cases to validate the software against the defined requirements. · Participate in UAT sessions, document defects, and work with the development team to resolve issues. · Contribute to the development of user manuals, training materials, and online help documentation to support user adoption and understanding of the software. · Stay informed about regulatory changes and industry standards related to financial spreading and credit risk assessment in C&I, CRE, and Agriculture lending. · Support the product management team in defining the product roadmap and prioritizing features based on market needs and client feedback. · Support the implementation and adoption of the software by users, including providing training and facilitating change management activities. · Incorporate feedback from stakeholders, such as product managers and lead developers, to refine and improve the software requirements and design. Required Skills and Experience · Proven experience as a Business Analyst in the financial services industry, with a focus on lending and credit risk management. · Strong understanding of financial spreading methodologies, including the analysis of financial statements, tax returns, and cash flow projections . · Specific knowledge of C&I, CRE, and Agriculture lending practices, including creditworthiness assessment, loan structuring, and risk mitigation strategies . · Familiarity with credit risk assessment tools and techniques, such as financial ratios, credit scoring models, and stress testing . · Experience with data analysis and financial modeling tools, such as Excel, SQL , and statistical software packages. · Familiarity with leading financial spreading software solutions and platforms in the market (e.g., Moody’s CreditLens, Sageworks, nCino, Baker Hill NextGen) . · Strong analytical and problem-solving skills, with the ability to identify and articulate business needs and translate them into software requirements . · Proficiency in using requirement management tools and techniques, such as JIRA, Confluence, and Agile methodologies . Educational Qualifications · Bachelor’s degree in business administration, Finance, Economics, or a related field. · Master’s degree in business administration (MBA) or a related field is preferred . · Relevant certifications, such as Certified Business Analysis Professional (CBAP) or Certified associate in project management (CAPM), are a plus . Specific Knowledge of C&I, CRE, and Agriculture Lending Practices To effectively gather and analyze business requirements for financial spreading software, the Business Analyst should possess specific knowledge of lending practices across various sectors: · C&I Lending: o Understanding of various types of C&I loans, such as working capital loans, term loans, and lines of credit . o Knowledge of key factors in assessing credit risk for C&I businesses, including industry analysis, competitive landscape, and management quality . · CRE Lending: o Understanding of different types of CRE properties, such as office buildings, retail centers, and industrial properties . o Knowledge of CRE valuation methods . · Agriculture Lending: o Understanding of the unique characteristics of agricultural businesses, including seasonality, commodity price fluctuations, and government support programs . Understanding of Credit Risk Assessment and Mitigation The Business Analyst needs a strong understanding of credit risk assessment and mitigation strategies: · Creditworthiness Assessment: o Ability to analyze borrower financial statements, including balance sheets, income statements, and cash flow statements . o Understanding of key financial ratios and metrics used to assess creditworthiness . · Risk Mitigation: o Familiarity with various credit risk mitigation techniques, such as loan covenants, collateral requirements, and guarantees . Experience with Data Analysis and Financial Modeling The Business Analyst should have a strong foundation in data analysis and financial modeling: · Proficiency in using spreadsheet software, such as Microsoft Excel, for financial analysis and modeling. · Experience with database query languages, such as SQL, to extract and analyze data from financial systems . Conclusion This Business Analyst position offers a unique opportunity to be at the forefront of developing innovative financial spreading software that will revolutionize credit decision-making in the financial services industry. The successful candidate will be a highly analytical and communicative individual with a deep understanding of C&I, CRE, and Agriculture lending practices, and a passion for leveraging technology to improve efficiency and accuracy in credit risk assessment.

Analyze income statements, balance sheets, and cash flow statements of corporates, banks, and NBFCs to assess their financial health and creditworthiness. Identify key trends, risks, and opportunities in the financial statements and provide recommendations to stakeholders. Generate detailed reports on borrowers, including credit scores, risk ratings, and recommendations for lending decisions. Develop and maintain financial models to forecast future performance and assess the impact of various scenarios on the borrower's credit profile. Conduct industry research and market analysis to stay up-to-date on industry trends and developments. Collaborate with cross-functional teams, including credit risk, lending, and portfolio management to ensure alignment and consistency in credit decisions. Develop and maintain databases and spreadsheets to track financial data and trends.

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations Associate Qualifications: BBA/BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? You will be aligned to our Financial Services and Banking sector, assisting clients in completing processing procedures for US Residential Mortgages. As part of the Lending Operations team, your role involves validating loan documents to ensure their accuracy and expiration before submitting them to the Underwriting queue. The mortgage processing team focuses on analyzing the loan application, verifying information provided by the applicant such as employment, income and credit history. Collect the necessary documents from Loan officer and borrower as per Underwriting requirements and to monitor the loans till Closing. Banking operations refer to the various activities and processes conducted by a bank to provide financial services to its customers, manage financial transactions, and ensure the smooth functioning of its business. What are we looking for? Attention to detail – Accurate review and verification of documents is crucial Organizational Skills – Ability to manage multiple files and task simultaneously Communication skills – Clear and effective communication with all parties involved in the loan process Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process Roles and Responsibilities: Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST., BBA,BCom

*Job Title:* Loan Officer/Executive *Job Summary:* We are seeking a highly motivated and experienced Loan Officer/Executive to join our team. The successful candidate will be responsible for managing loan applications, assessing creditworthiness, and providing excellent customer service to our clients. *Key Responsibilities:* - Evaluate loan applications and creditworthiness of clients - Conduct financial analysis and risk assessment - Recommend loan approval or rejection based on credit policies - Develop and maintain relationships with clients and stakeholders - Ensure compliance with regulatory requirements and company policies *Requirements:* - Strong knowledge of loan products and credit policies - Excellent analytical and communication skills - Ability to work in a fast-paced environment - Relevant experience in loan origination, credit analysis, or banking

Key Result Areas ( Max 1325 Characters) Supporting Actions (Max 1325 Characters) Deliver strong sales growth in the region and expand the customer base Identify business growth opportunities across the region, build direct/ channel/ new client acquisition strategies and tap growth opportunities to achieve Regi targets Augment the business volumes of mortgage lending in the region, manage client databases and tap them through Area Sales Managers and dedicated relationship managers Drive relationships with key clients, collaborate with internal stake holders for faster TAT and cross selling initiatives in order to increase the client base of the Region Monitor lead generation & RM sales productivity metrics to drive a high-performance sales culture across the zone Timely hiring of people in the region and coordinate closely with HR team. Analyze product positioning and competition across the region and develop the distribution network Scan the regional market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the mortgage segment to the head office Engage with channel partners and develop a touch point management system for faster customer connectivity Conduct engagement programs like running contests for internal employees and external stake holder/ DSAs and sales trainings to develop channel partners Monitor SLAs, sales efficiencies and RoI of channels and ensure timely channel payouts Effectively deploy schemes and prioritize sales of high revenue products and structures Drive high levels of customer satisfaction across the region through relationship managers Monitor client servicing metrics, develop relationship marketing programs and motivate Area Heads, RMs and channel partners to display highest levels of client servicing standards Encourage the implementation of improved processes and best practices in order to enhance operational productivity To ensure high mission happiness score for the region Engage with key customers on a periodic to build stronger relationships, thereby contributing to faster growth Monitor customer issues and complaints and drive necessary action to address the same Analyze and communicate information for better risk management and operational effectiveness to the management team Support the risk and review process by supervising the preparation of loan proposals and documentations to ensure controlled operations for the region Liaise with the customers and the Risk team to provide regular information required for monitoring the creditworthiness of the proposals Prepare periodic MIS reports for profits, NPAs, new clients, new product launches, new branches, new channel development, etc. and communicate to Zonal Head and senior management Promote talent and develop human resources Guide and develop Area Heads and RMs to facilitate better customer acquisition, retention and support, and helping them to achieve superior performance standards Nominate teams for product, behavioral and negotiation trainings and work for self-development initiatives Nominate deserving team members for awards and recognition Devise and implement specific sales strategy for under performers at regular intervals.

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations Associate Qualifications: BBA/BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? You will be aligned to our Financial Services and Banking sector, assisting clients in completing processing procedures for US Residential Mortgages. As part of the Lending Operations team, your role involves validating loan documents to ensure their accuracy and expiration before submitting them to the Underwriting queue. The mortgage processing team focuses on analyzing the loan application, verifying information provided by the applicant such as employment, income and credit history. Collect the necessary documents from Loan officer and borrower as per Underwriting requirements and to monitor the loans till Closing. Banking operations refer to the various activities and processes conducted by a bank to provide financial services to its customers, manage financial transactions, and ensure the smooth functioning of its business. What are we looking for? • Attention to detail – Accurate review and verification of documents is crucial • Organizational Skills – Ability to manage multiple files and task simultaneously • Communication skills – Clear and effective communication with all parties involved in the loan process • Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process • Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process Roles and Responsibilities: • Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities • Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. • Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. • Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval • In this role you will be given detailed instructions on all tasks • The decisions that you make impact your own work and are closely supervised • Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. BBA,BCom

Credit Assessment, Risk Management, Loan Approval Process : Evaluate loan applications and creditworthiness of applicants based on financial data and other relevant factors. Perform detailed analysis of financial statements, bank statements, and credit reports. Assess repayment capacity and recommend appropriate loan structures. Identify, analyze, and mitigate potential credit risks. Ensure compliance with internal credit policies and regulatory guidelines. Conduct periodic portfolio reviews to identify early warning signals. Coordinate with sales and operations teams for smooth processing of loan applications. Approve or recommend loans within delegated authority limits. Liaise with legal and technical team for finalization.

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations Associate Qualifications: BBA/BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? You will be aligned to our Financial Services and Banking sector, assisting clients in completing processing procedures for US Residential Mortgages. As part of the Lending Operations team, your role involves validating loan documents to ensure their accuracy and expiration before submitting them to the Underwriting queue. The mortgage processing team focuses on analyzing the loan application, verifying information provided by the applicant such as employment, income and credit history. Collect the necessary documents from Loan officer and borrower as per Underwriting requirements and to monitor the loans till Closing. Banking operations refer to the various activities and processes conducted by a bank to provide financial services to its customers, manage financial transactions, and ensure the smooth functioning of its business. What are we looking for? Attention to detail – Accurate review and verification of documents is crucial Organizational Skills – Ability to manage multiple files and task simultaneously Communication skills – Clear and effective communication with all parties involved in the loan process Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process Roles and Responsibilities: Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST. BBA,BCom

About Bharatfi: Bharatfi is a leading platform dedicated to MSME financing, providing tailored financial solutions that empower small and medium enterprises across India. We aim to be the most trusted advisor for MSMEs, offering services such as credit advisory, loan readiness reports, and financial modeling. At Bharatfi, we believe in simplifying the financial journey for MSMEs by providing them with up-to-date information, the right financial products, and expert guidance to scale their businesses effectively. The Opportunity: At Bharatfi, we are looking for a dynamic and driven individual to join our team as a Credit Strategy and Liaisoning Manager . This is an exciting opportunity to work closely with the company’s promoters, directly engage with banks, clients, and other stakeholders, and contribute to building impactful financial products for MSMEs. This role offers hands-on client servicing, credit risk assessment, and strategic involvement in liaising with both clients and bankers. You will be part of a fast-growing company that is redefining MSME lending in India, with ample opportunity for growth and leadership. Key Responsibilities: Client Engagement : Serve as the key liaison between Bharatfi, banks, and MSME clients. Manage relationships, ensuring smooth communication and timely resolution of client concerns. Credit Risk Assessment : Evaluate the creditworthiness of MSME clients, including reviewing financial statements, P&L, and balance sheets. Conduct credit analysis to ensure the right financial products are recommended to clients. Strategic Liaisoning : Work closely with banking partners, ensuring alignment of Bharatfi’s offerings with bank requirements. Develop strategies for enhancing client access to funding, while adhering to credit norms and risk parameters. Team Handling : Lead a small team to manage client relationships and ensure efficient execution of credit processes. Provide guidance and support for day-to-day tasks. Documentation and Compliance : Ensure that all necessary documentation, financials, and compliance requirements are properly handled in line with lender requirements. Required Skills and Knowledge: Educational Qualifications : CA (Intermediate), CA Fresher, or MBA with a focus on finance or a related field. Experience : 1–3 years of experience in a client-facing role, preferably in credit analysis, financial services, or MSME lending. Prior experience working with banks or financial institutions is a plus. Technical Skills : Strong understanding of financial statements, P&L analysis, and balance sheet evaluations. Communication Skills : Excellent written and verbal communication skills, with the ability to engage with clients, bankers, and internal teams effectively. Leadership Abilities : Ability to handle and mentor a small team, ensuring smooth and efficient operations. Dynamic & Strategic Thinking : Capable of taking initiative and contributing to the strategic direction of the company. Key Characteristics: Client-Centric Mindset : Strong focus on client needs and providing solutions that help them succeed. Analytical & Detail-Oriented : High attention to detail with the ability to analyze and interpret financial data. Dynamic & Adaptable : Comfortable working in a fast-paced, ever-changing environment and willing to take on new challenges. Proactive & Collaborative : Willing to work closely with cross-functional teams to drive Bharatfi’s goals forward. Compensation: Fixed Salary : ₹5 lakhs to ₹10 lakhs per annum (fixed plus variable compensation based on experience and expertise). Why Bharatfi? Work directly with the promoters : An excellent opportunity to work in a dynamic and entrepreneurial environment, where you can have a direct impact on the company’s growth and vision. Dynamic Role : Be part of a high-impact role where you will not only engage with clients but also contribute to strategic decision-making. Career Growth : Bharatfi is rapidly growing, and this role offers significant career advancement opportunities. You will be in a position to learn, grow, and expand your horizons.

Skill required: Property & Casualty- Underwriting - Underwriting Designation: Underwriting Associate Manager Qualifications: Any Graduation Years of Experience: 10 to 14 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? As a Leader, you are respected for your technical expertise and ability to oversee programs and processes. You balance the needs of multiple stakeholders, making sound decisions using data, analysis, experience, and judgment, along with a risk mindset. Ultimately, you take ownership of key outcomes. Define Insurance policy and calucating premium including terms and condition for Property The Underwriting team focuses on raising investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. The role requires a good understanding of credit analysis, creditworthiness, credit underwriting, credit appraisal memo, commercial lending, financial analysis, asset evaluation, and income calculation. The role may also need expertise around residential underwriting, mortgage underwriting, government-sponsored loans, and pre-purchase review. What are we looking for? In this role, you will be responsible for the strategic planning and development of all (Region/Country) Underwriting Analyst operations and report directly to Head of Operations. You will coordinate with and guide the Underwriting Analyst Managers for all product lines and identify and design processes and controls that will drive continuous improvement. Insurance Underwriting – Migration – Location strategy – Technology for process automation – Data analytics –Performance Monitoring – Insurance Certification (CPCU – AINS – IIA – CII) – Green/Black Belt – Process restructuring – Budget planning. Roles and Responsibilities: Applies strategic organizational thinking. Displays strong leadership skills. Possess deep analytical capacity for systems, processes, and controls. Develops key relationships with the field and home office underwriting leaders to execute the end-to-end underwriting processes. Manages a cross-regional team of Underwriting Analysts and develops emerging talent to ensure succession through mentoring and coaching. Provides vision, clarity, and direction to all stakeholders. Works with team members and underwriters to determine needs and provide solutions in alignment with the global strategy of standardization to manage control and maximize efficiency. Develops and implements guidelines and processes to ensure consistency, global controls adherence, workload sharing, and best practice knowledge transfer. Assumes an active role in the implementation of the Standard Commercial Underwriting Platform transformation. Communicates and collaborates across the organization to provide solutions/recommendations to achieve organizational success.

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

Company Description Piramal Finance Limited (Formerly known as Piramal Capital & Housing Finance Limited) is a financial services company offering wholesale and retail funding opportunities within real estate and non-real estate sectors. Our team is dedicated to enhancing customer experience and support from Monday to Saturday between 10 AM to 7 PM. Please contact us at 1800 266 6444 for assistance. Role Description This is a full-time RM & SRM role located on-site in Pali. The RM & SRM will be responsible for managing relationships with clients, assessing their financial needs, and providing appropriate funding solutions. Daily tasks include analyzing creditworthiness, negotiating terms, and ensuring compliance with regulations. Qualifications Strong financial analysis and risk assessment skills Excellent communication and negotiation abilities Knowledge of real estate and non-real estate financial markets Experience in relationship management and customer service Ability to work well under pressure and meet deadlines Bachelor's degree in Finance, Business Administration, or related field Relevant certifications (e.g., CFA, CPA) is a plus

Job Summary:We are seeking a detail-oriented and analytical Credit Officer to assess the creditworthiness of applicants, manage loan portfolios, and ensure compliance with the company’s credit policies. The ideal candidate will have a strong understanding of financial analysis, risk assessment, and lending procedures. Key Responsibilities:Evaluate loan applications and analyze applicants’ financial status, credit, and property evaluations. Perform credit risk assessments and due diligence. Make recommendations for approval or rejection of credit applications. Monitor existing loan portfolios and follow up on repayments. Ensure all credit files are complete and comply with internal policies and external regulations. Maintain accurate records of all loan-related activities and customer interactions. Assist in setting and revising credit policies and procedures. Liaise with clients to resolve credit-related issues or questions. Work closely with the collections team to ensure timely loan recoveries. Prepare and submit regular reports to management. Qualifications:Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or a related field. Proven experience as a Credit Officer, Loan Officer, or similar role (2+ years preferred). Strong knowledge of lending procedures and applicable laws and regulations. Analytical mindset with strong attention to detail. Excellent communication and interpersonal skills. Proficient in MS Office and financial software (e.g., credit scoring systems). Ability to work under pressure and meet tight deadlines. Preferred Skills:Experience with risk management tools and financial modeling. Knowledge of local credit markets and industry-specific credit trends. Familiarity with credit bureau reporting. Work Environment:Office-based with occasional field visits (if applicable). Standard working hours with flexibility during peak periods.

Daily Tasks 1. Receive the client FILE from prelogin. 2. Cross cheking one pagers, Documents, forms, applications, customer information, property, income, CIBIL, reports, Case discription, as per SLA. 3a. Salaried checklist. 3b. Bussiness Checklist. 3c. Special case checklist. 3d. Multiple banks checklist. 3. Genrating internal file number in the format of Date month year(Ex-10022024) fatching in CRM the same number and Send file for login to banks in same day and taking pendency from them same day. 4. informing Pendency to prelogin same day. 5. Followup for pendency with prelogin daily twice a day morning and afternoon. 6. Receive the Documents from prelogin & Cross check with check list and parameters of banks and resubmission in banks until comlpeted. 7. Follow up with Banks team 2 times in a day once in the morning and once as per appointment or in the afternoon. 8. Monthly arranging 1-1 meetup with bankers for appriciation or and feedback, first week of each month. 9. Keeping scan copies of each document and Upload documents to Database in the given folders. 10. Visiting bankers once a week and sending picture of the same. 11. Feedback for Sanction being collected by the sales team and prelogin. 12. Review and analyze credit appraisal reports: -Carefully examine credit appraisal reports prepared by credit appraisers. -Assess the creditworthiness of loan applicants based on the information provided in the reports. -Identify any potential risks or concerns associated with the loan applications. 13. Coordinate with loan officers and credit appraisers to address any credit issues: -Work closely with loan officers and credit appraisers to resolve any credit-related issues or discrepancies. -Provide guidance and support to loan officers in addressing customer concerns and negotiating loan terms. -Facilitate communication between loan officers and credit appraisers to ensure a smooth and efficient credit appraisal process. 14. Communicate with applicants to provide updates on loan applications: -Keep applicants informed about the status of their loan applications. -Address any questions or concerns they may have regarding the credit appraisal process. -Provide timely updates on any required additional documentation or information. 15. Update loan status in the CRM system: -Accurately record the status of loan applications in the CRM system daily. -Update the CRM with any changes or decisions made regarding credit approvals or denials. 16. Assist sales team with closing deals by addressing credit concerns and facilitating the sanction process: -Work closely with the sales team to address any credit concerns that may arise during the sales process. -Provide support to the sales team in closing deals by ensuring that the credit appraisal process is completed efficiently and accurately. -Facilitate the sanction process by coordinating with the credit appraisal team and other relevant departments.

Skill required: Ret.Bkg- Credit UW - Banking Operations Designation: Banking Operations Associate Qualifications: BBA/BCom Years of Experience: 1 to 3 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? You will be aligned to our Financial Services and Banking sector, assisting clients in completing processing procedures for US Residential Mortgages. As part of the Lending Operations team, your role involves validating loan documents to ensure their accuracy and expiration before submitting them to the Underwriting queue. The mortgage processing team focuses on analyzing the loan application, verifying information provided by the applicant such as employment, income and credit history. Collect the necessary documents from Loan officer and borrower as per Underwriting requirements and to monitor the loans till Closing. Banking operations refer to the various activities and processes conducted by a bank to provide financial services to its customers, manage financial transactions, and ensure the smooth functioning of its business. What are we looking for? Attention to detail – Accurate review and verification of documents is crucial Organizational Skills – Ability to manage multiple files and task simultaneously Communication skills – Clear and effective communication with all parties involved in the loan process Knowledge of mortgage industry – understanding of mortgage products, regulations and the overall loan process Problem-Solving Skills - Ability to identify and resolve issues that may arise during the loan process Roles and Responsibilities: Reviewing loan applications to ensure they are complete and accurate, including verifying borrower information, income, assets, and liabilities Collecting and organizing all necessary documents for loan processing, such as pay stubs, tax returns, bank statements, and property appraisals. Analyzing credit reports to assess the borrower s creditworthiness and adherence to lending guidelines. Assisting underwriters by preparing loan files for their review, addressing any outstanding conditions or documentation needed for approval In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised Please note that this role may require you to work in US shift which operates between 06:00PM to 3:30AM IST.

Are you ready to join our digital revolution journey? At Aleph, we’re not just part of the digital advertising landscape—we’re shaping its future. Representing the world’s leading platforms, including TikTok, Amazon, Google, and nearly 55 others, we operate in 130+ markets across new and existing geographies. Our mission is to empower advertisers and brands to unlock the full potential of these platforms' advertising capabilities. By fostering long-lasting partnerships, we create limitless opportunities for people and businesses to advertise effectively at both local and global levels. With a presence spanning continents, Aleph offers you the chance to be part of a fast-growing, innovative team where your work makes a direct impact. If you’re ambitious, forward-thinking, and eager to thrive in a dynamic, global environment, Aleph is the perfect place to build your career. Overseeing billing and collections for APAC and CIS region by serving as point person for coordination of day to day matters with finance teams in the market. This role will be responsible for APAC and CIS A/R balances by initiating direct contact with the clients in those regions. In addition, they will manage the coordination of A/R information with APAC and CIS offices who directly handle Billing & Collections in India, Indonesia, Malaysia, Myanmar, Cambodia, Laos, Bangladesh, Cyprus, Kazakhstan and Azerbaijan. What You'll Be Doing 50% Accounts Receivable Assess and establish credit limits according to corporate policy and assign payment terms. Maintain proper documentation in all credit files to ensure that the Record Retention and Internal Audit policies and procedures are followed. Monthly review of the Aging to include direct follow up of A/R status with all regions Monthly calls and visits to agencies and reps to inquire on remittance status to ensure our cash flow levels are adequately maintained Monitor proper allocation of cash receipts and related reporting such as cash apps and wire instructions Preparation of management reports with A/R status including monthly highlights and challenges for all markets Preparation of aging reports, bad debt analysis, agency incentive analysis, cash forecasts, collections status, and other miscellaneous reports as needed. Interface closely with Ad Sales, Client Services personnel, and external and internal departments to analyze, collect, and reconcile all accounts for collection. 50% Credit Analysis Evaluating the creditworthiness of potential customers. Creating credit scoring models for risk assessments. Approving and rejecting credit to clients based on available data. Negotiating the terms of payments with new clients. Ensuring all credits and payment terms comply with internal policy. Maintaining records of all credit records. Monitoring debt payments and bad debts. Reviewing and updating the company’s credit policy. What will make you a good fit for this role: Bachelor’s degree in finance, Accounting, Business Administration, or a related field. Professional certification (e.g., ACCA, CIMA) is a plus. Proven experience as a Credit Controller, with a minimum of 3 years experience. Strong understanding of credit control processes, financial analysis, and risk management. Excellent communication and negotiation skills. Good English proficiency in both written and oral is required. Proficiency in accounting software and Microsoft Office Suite (Excel, Word, PowerPoint). Detail-oriented with strong analytical skills. Proactive and able to work under pressure. Strong problem-solving abilities and a customer-focused approach. High level of integrity and professionalism. #ALEPH Why Join Us? Aleph is a place of many cultures, perspectives, and talents. We support each other, creating an environment of giving and receiving. We value partnership and communication because we believe it takes a group of people to achieve great things. We are energized by our ever-changing industry, our curiosity keeps us learning and seeking out new opportunities. We stay flexible and adaptable, and believe in moving with the speed of change. We encourage everyone to strive for more, providing our internal talent with growth opportunities and the ability to learn together. “Share our similarities, celebrate our differences.” – M. Scott Peck #ALEPH