672 Creditworthiness Jobs - Page 9

Job Summary : As a Credit Analyst, you will be responsible for evaluating the credit worthiness of individuals applying for loans. You will assess financial information such as income statements, and credit reports to determine the risk involved in extending credit to the applicant. You will analyze the information provided by the borrower to determine if the loan is suitable for the applicant and if the applicant is suitable for the loan. You will also review loan agreements to ensure that the terms and conditions of the loan are appropriate. Key Responsibilities: · Collect and analyze financial data of applicants to determine their creditworthiness · Evaluate credit risk, develop credit profiles, and recommend appropriate credit limits · Analyze financial statements, credit reports, and other relevant information to determine the creditworthiness of potential borrowers · Verify the accuracy of financial data and ensure that all financial statements comply with relevant regulations · Assess the borrower's ability to pay back the loan by reviewing the borrower's financial history, credit score, and other financial data · Communicate with borrowers to obtain additional financial information or to discuss their credit status · Monitor borrowers' creditworthiness and financial performance over time to assess credit risk and identify potential problems · Work closely with loan officers to ensure timely processing of loan applications · Keep up-to-date with changes in lending practices, regulations, and credit risk assessment tools Job Type: Full-time Pay: ₹35,000.00 - ₹40,000.00 per month Benefits: Flexible schedule Health insurance Paid sick time Provident Fund Schedule: Day shift Work Location: In person Speak with the employer +91 7600075460

About The Role Grade Level (for internal use): 10 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Design and implement innovative software solutions to enhance S&P Ratings' cloud-based data platforms. Mentor a team of engineers fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in Computer Science, Information Systems, Engineering, or a related field is required. Proficient in software development lifecycle (SDLC) methodologies, including Agile and Test-Driven Development. Over 7 years of development experience in enterprise products and modern web development technologies, including Java/J2EE, various UI frameworks, SQL, and different types of databases. Experience in designing transactional systems, data warehouses, data lakes, and data integrations within a big data ecosystem utilizing cloud technologies. Familiarity with advanced data processing systems and cloud technologies is a plus. A thorough understanding of distributed computing principles. A passionate, intelligent, and articulate developer with a quality-first mindset and a strong background in developing products for a global audience at scale. Excellent analytical thinking and interpersonal skills, with strong oral and written communication abilities that can influence both IT and business partners. Superior knowledge of system architecture, object-oriented design, and design patterns. Strong work ethic, self-starter attitude, and results-oriented approach. Exceptional communication skills, with strong verbal and written proficiency. Additional Preferred Qualifications Experience working with cloud platforms. Familiarity with Agile methodologies, particularly the SAFe framework. A Bachelor’s or Postgraduate degree in Computer Science, Information Systems, or a related field. Practical experience in application architecture and design, with proven software and enterprise integration design principles. Ability to prioritize and manage work to meet critical project deadlines in a fast-paced environment. Strong analytical and communication skills, with a focus on verbal and written proficiency. Capability to train and mentor others. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. 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: 312486 Posted On: 2025-06-26 Location: Mumbai, Maharashtra, India

About The Role Grade Level (for internal use): 12 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in Computer Science, Information Systems, Engineering, or a related field is required. Proficient in software development lifecycle (SDLC) methodologies, including Agile and Test-Driven Development. A total of 12+ years of experience, with at least 8 years focused on designing enterprise products, modern data architectures, and analytics platforms. Over 6 years of hands-on experience in application architecture and design, demonstrating expertise in software and enterprise integration design patterns, along with full-stack knowledge of modern distributed front-end and back-end technology stacks. More than 5 years of full-stack development experience in contemporary web development technologies, including Java/J2EE and various UI frameworks, as well as experience with SQL and different types of databases. Familiarity with cloud technologies and data processing frameworks is a plus. Experience in designing transactional systems, data warehouses, data lakes, and data integrations within a big data ecosystem, utilizing cloud technologies. A thorough understanding of distributed computing principles. A passionate, intelligent, and articulate developer with a quality-first mindset and a strong background in developing products for a global audience at scale. Excellent analytical thinking and interpersonal skills, with strong oral and written communication abilities that can influence both IT and business partners. In-depth knowledge of system architecture, object-oriented design, and design patterns. A strong work ethic, self-starter attitude, and results-oriented approach. Exceptional communication skills, with strong verbal and written proficiency. Additional Preferred Qualifications Experience working with cloud platforms. Familiarity with Agile methodologies. A Bachelor’s or Postgraduate degree in Computer Science, Information Systems, or a related field. Practical experience in application architecture and design, with proven software and enterprise integration design principles. Ability to prioritize and manage work to meet critical project deadlines in a fast-paced environment. Strong analytical and communication skills, with a focus on verbal and written proficiency. Capability to train and mentor others. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312492 Posted On: 2025-06-26 Location: Mumbai, Maharashtra, India

Financial Spreading Financial Analysis: Conduct in-depth financial analysis of publicly traded companies to assess creditworthiness and financial health. This includes analyzing financial statements, cash flow statements, and income statements. Quantitative Modeling: Collaborate with the quantitative strategies team to develop and maintain quantitative models for credit risk assessment. This includes refining existing models and creating new ones to improve investment decision-making. Scorecard Creation: Design and implement scorecards to evaluate credit risk and identify potential investment opportunities. Continuously update and refine these scorecards to adapt to changing market conditions. Research and Due Diligence: Stay informed about market trends, industry developments, and macroeconomic factors that may impact credit markets. Conduct thorough research and due diligence on potential investments. Portfolio Management: Assist in managing and monitoring credit portfolios, making recommendations for trades and adjustments based on quantitative analysis and risk assessment. Reporting: Generate reports and presentations to communicate findings, investment recommendations, and portfolio performance to internal stakeholders and clients. Master's degree in finance, accounting, or a related field. 3-5 years of relevant experience in credit analysis, financial analysis, or quantitative modeling. Strong understanding of accounting principles and financial statement analysis. Excellent analytical and problem-solving skills. Strong communication and presentation skills. Ability to work collaboratively in a team-oriented environment. Detail-oriented with a commitment to accuracy and data integrity.

Job Description CONTROLLERS Controllers ensure that the firm meets all the financial control and reporting obligations of a global, regulated, and public financial institution. Our professionals measure the profitability of, and risks associated with, every aspect of the firm's business. Controllers also ensure that the firm's activities are conducted in compliance with the regulations governing transactions in the financial markets. OUR IMPACT We're a team of specialists charged with managing the firm’s liquidity, capital, and risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The business is ideal for collaborative individuals who have strong ethics and attention to detail. BUSINESS UNIT The Controllers group is responsible for safeguarding the firm's assets: to help maintain the integrity of Goldman Sachs' finances and expenditures. Through careful consideration and analyses of firm finances, objectives and strategies, we ensure that the firm's businesses continue to be profitable and efficiently run. Controllers also ensure that all business practices are in compliance with financial and regulatory requirements worldwide. Since contact with virtually every part of the firm is essential to Controllers, professionals in the department experience Goldman Sachs businesses, products, and sophisticated technology systems in depth. Direct Hedge Funds, Hedge Funds Strategies, Private Equity Group teams within Controllers support the alternative investments within Goldman Sachs Asset Management division with oversight over complex private funds. Basic Qualifications Qualified CA in May 2025 Strong communication skills Strong analytical skills and attention to detail Basic industry knowledge Proficiency in Microsoft Office products, in particular Excel KEY ADVANTAGES Career advancement Collaborative and supportive work environment Apprenticeship culture Exposure to different areas and banking industry insights Networking opportunities 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., 2025. 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.

Job Description CONTROLLERS Controllers ensure that the firm meets all the financial control and reporting obligations of a global, regulated, and public financial institution. Our professionals measure the profitability of, and risks associated with, every aspect of the firm's business. Controllers also ensure that the firm's activities are conducted in compliance with the regulations governing transactions in the financial markets. OUR IMPACT We're a team of specialists charged with managing the firm’s liquidity, capital, and risk, and providing the overall financial control and reporting functions. Whether assessing the creditworthiness of the firm’s counterparties, monitoring market risks associated with trading activities, or offering analytical and regulatory compliance support, our work contributes directly to the firm’s success. The business is ideal for collaborative individuals who have strong ethics and attention to detail. BUSINESS UNIT The Controllers group is responsible for safeguarding the firm's assets: to help maintain the integrity of Goldman Sachs' finances and expenditures. Through careful consideration and analyses of firm finances, objectives and strategies, we ensure that the firm's businesses continue to be profitable and efficiently run. Controllers also ensure that all business practices are in compliance with financial and regulatory requirements worldwide. Since contact with virtually every part of the firm is essential to Controllers, professionals in the department experience Goldman Sachs businesses, products, and sophisticated technology systems in depth. Direct Hedge Funds, Hedge Funds Strategies, Private Equity Group teams within Controllers support the alternative investments within Goldman Sachs Asset Management division with oversight over complex private funds. Basic Qualifications Qualified CA in May 2025 Strong communication skills Strong analytical skills and attention to detail Basic industry knowledge Proficiency in Microsoft Office products, in particular Excel KEY ADVANTAGES Career advancement Collaborative and supportive work environment Apprenticeship culture Exposure to different areas and banking industry insights Networking opportunities 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., 2025. 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.

```html About the Company Greytip Software is India’s no.1 cloud HR & Payroll software solutions company. With a customer base of over 15,000+ businesses, we touch the lives of 20,00,000+ employees daily. Our mission is to improve people-centric practices and performance in SMEs (Small and Medium enterprises) through our cloud solution, greytHR. About the Role The Account Receivable Executive plays a crucial role in managing the financial transactions of the company by ensuring timely and accurate collection of outstanding accounts receivable. This position involves maintaining relationships with clients, monitoring outstanding balances, and collaborating with various teams to resolve billing issues. The ideal candidate will have strong attention to detail, excellent communication skills, and a solid understanding of accounting principles. Responsibilities Invoice clarification to customers: Make sure customers receive invoices accurately and on time and provide required information. Payment Tracking: Monitor and track outstanding customer accounts and follow up for timely payments. Collections: Contact clients to follow up on overdue payments, negotiate payment plans, and resolve billing discrepancies. Customer Relations: Maintain positive relationships with clients, addressing any inquiries or concerns related to their accounts. Account Reconciliation: Reconcile accounts and resolve discrepancies between invoices and payments. Aging Reports: Prepare and analyze accounts receivable aging reports to identify delinquent accounts and take appropriate action. Credit Management: Evaluate creditworthiness of new clients, establish credit limits, and recommend changes as needed. Cash Application: Accurately apply incoming payments to customer accounts in the accounting system. Month-End Close: Assist in the month-end closing process by preparing necessary reports and reconciliations. Documentation: Maintain accurate and organized records of all transactions and communications related to accounts receivable. Qualifications Bachelor's degree in Finance, Accounting, or related field is preferred. Proven experience in accounts receivable or a similar finance role. Proficiency in Excel. Strong analytical and problem-solving skills. Excellent communication and negotiation abilities. Detail-oriented with a high degree of accuracy. Ability to work independently and as part of a team. Familiarity with credit management and risk assessment. ```

We are looking for a Credit Analyst (Field Executive) who will be responsible for conducting field visits, verifying customer details, assessing creditworthiness, and supporting loan processing. Requirements: Graduate (Commerce/Finance preferred) 1+ year of experience in field verification or credit analysis preferred Basic knowledge of finance, credit, or lending Good communication and observation skills Willing to travel locally (bike preferred)

Summary: As a Credit Control Executive with three years of experience, you'll be responsible for managing and maintaining the credit policies and procedures of the company. Your primary objective will be to ensure timely collection of outstanding debts and minimize bad debts to optimize the company's cash flow and financial stability. Responsibilities: Debt Collection: · Contacting customers via phone, email, and letters to ensure timely payment of outstanding debts. · Negotiating payment plans with debtors and following up to ensure adherence. · Resolving billing and customer credit issues and disputes promptly. Credit Analysis and Risk Assessment: · Assessing the creditworthiness of new and existing customers by analyzing financial statements, credit reports, and payment histories. · Recommending appropriate credit limits based on risk assessment. · Monitoring credit limits and adjusting them as necessary. Account Reconciliation: · Reconciling accounts to ensure accuracy and completeness of transactions. · Investigating and resolving discrepancies in payments and billing. · Updating account records and maintaining accurate customer information. Reporting: · Generating and analyzing aged debtors reports to track overdue accounts. · Providing regular updates on debtor status and collection efforts to management. · Preparing monthly, quarterly, and annual credit control reports for senior management. Relationship Management: · Building and maintaining positive relationships with customers to facilitate smooth payment processes. · Liaising with sales and customer service teams to address customer queries and concerns promptly. · Collaborating with internal stakeholders to streamline credit control processes and improve efficiency. Qualifications and Skills: · Bachelor's degree in Finance, Accounting, Business Administration, or related field. · Proven experience working in credit control or a similar financial role, with at least three years of experience. · Strong understanding of credit policies, procedures, and regulations. · Excellent communication and negotiation skills. · Proficiency in financial analysis and risk assessment. · Attention to detail and ability to work well under pressure. · Proficient in using accounting software and MS Office applications, particularly Excel. · Ability to multitask and prioritize tasks effectively. · Certification in credit management or relevant field (optional but advantageous). Additional Requirements: · Ability to adapt to changing business needs and work independently with minimal supervision. · Willingness to undergo training and professional development to stay updated on industry trends and best practices. · Strong ethical standards and integrity in handling sensitive financial information. · Flexibility to work occasional evenings or weekends to meet deadlines or address urgent issues. · This job description serves as a general guideline for the role of a Credit Control Executive with three years of experience. Specific responsibilities and requirements may vary depending on the company's industry, size, and organizational structure.

We are currently looking for Credit Analysts to be based in Pune, India. This is with our Indian subsidiary company Ezdaher India Private Limited, a member of the Avana Companies Family. Ezdaher India Private Limited is a KPO based in Pune and provides credit underwriting and other functional services to our parent company AVANA Companies, USA. Our credit analysis process plays a key role in evaluating borrowers' ability to repay, valuing the collateral, and managing risk throughout the loan term, ensuring that our investments are protected. The main job of a credit analyst is to give well-informed recommendations on loan requests and present each loan as an investment opportunity to senior management. This is done by creating clear and accurate reports that show both the strengths and risks of each loan. As part of the AVANA team, we will provide you training in U.S. real estate lending and pair you with experienced U.S.-based underwriters to ensure you have the support needed to succeed. We will train you to provide great customer service and build strong client relationships, following AVANA’s core values: Putting People First, Doing the Right Thing, Taking the Lead, Making an Impact, and recognizing that Excellence is a journey. Key Results Spread financial information and prepare a prescreen within 48 hours or receipt of Prescreen Checklist items Achieve a minimum of 4 loans funded each quarter Produce first draft of CAM for review within 10 business days of loan entering underwriting Core Competencies Analytical Thinking Attention to Detail Collaborating with Others Decision Making Problem Solving Duties and Responsibilities (Training will be provided): Analyze loan requests thoroughly, focusing on the financials of applicants and collateral valuation, ensuring accuracy and reliability. Collaborate with internal teams to ensure each loan is processed within the set time frames in the service level agreement. Communicate proactively with clients and the sales team to gather the necessary information for making informed credit decisions. Recommend suitable loan structures based on the credit request. Follow AVANA’s credit analysis standards as outlined in the loan policy Prepare and present clear credit analysis memos that accurately assess the borrower's creditworthiness and collateral value, highlighting strengths and risks Perform periodic risk assessments and monitoring on assigned loans, ensuring correct risk ratings are assigned, identify early warning signs, and recommend appropriate actions to mitigate risks. Administer construction loans , tracking budgets, schedules, third-party reports, and ensuring timely funding. Research and analyze industry trends to spot potential risks in the market. Use U.S.-based resources to assess portfolio risks, including probabilities of default and potential losses. Ensure compliance with legal and management standards across all areas. Be open to travel for training purposes. Take on additional tasks as assigned by the Chief Credit Officer or Management. Required Education and Experience / Skills: Bachelor’s degree in finance or accounting with a strong academic background At least 3 years of experience in commercial lending, preferably in commercial real estate, Loan against property and hotel lending. Quick learner, strong problem-solving skills, and ability to think. Excellent analytical skills, able to interpret complex financial data and identify key risks. Excellent knowledge of accounting rules. Knowledge of US GAAP and IFRS will be beneficial. Ability to work independently with minimal supervision. Comfortable in a fast-paced, multinational environment, able to manage multiple priorities. Strong attention to detail, with the ability to spot data discrepancies. Availability to work U.S. hours (IST 5:30 PM to 2:30 AM). Ability to coordinate with internal and external stakeholders. Excellent written and spoken English, able to clearly communicate findings and recommendations. Proficient in Microsoft Excel and Word. Desired Functional and Behavioral Characteristics: Positive and professional attitude. Self-motivated with a proactive approach to tasks. Team player with a willingness to collaborate and support colleagues. Strong commitment to accuracy and attention to detail. What we have to offer Competitive salary and benefits package Ample opportunities for growth and self-development Opportunities for professional development and advancement Collaborative and inclusive work environment with international exposure

About The Role Grade Level (for internal use): 11 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in Computer Science, Information Systems, Engineering, or a related field is required. Proficient in software development lifecycle (SDLC) methodologies, including Agile and Test-Driven Development. A minimum of 10 years of experience, with at least 4 years focused on designing and developing enterprise products, modern technology stacks, and data platforms. Over 4 years of hands-on experience in contributing to application architecture and design, demonstrating expertise in software and enterprise integration design patterns, along with full-stack knowledge of modern distributed front-end and back-end technology stacks. More than 5 years of full-stack development experience in contemporary web development technologies, including Java/J2EE and various UI frameworks, as well as experience with SQL and different types of databases. Experience in designing transactional systems, data warehouses, data lakes, and data integrations within a big data ecosystem utilizing cloud technologies. A thorough understanding of distributed computing principles. A passionate, intelligent, and articulate developer with a quality-first mindset and a strong background in developing products for a global audience at scale. Excellent analytical thinking and interpersonal skills, with strong oral and written communication abilities that can influence both IT and business partners. Superior knowledge of system architecture, object-oriented design, and design patterns. A strong work ethic, self-starter attitude, and results-oriented approach. Exceptional communication skills, with strong verbal and written proficiency. Additional Preferred Qualifications Experience working with cloud platforms. Familiarity with Agile methodologies, particularly the SAFe framework. A Bachelor’s or Postgraduate degree in Computer Science, Information Systems, or a related field. Practical experience in application architecture and design, with proven software and enterprise integration design principles. Ability to prioritize and manage work to meet critical project deadlines in a fast-paced environment. Strong analytical and communication skills, with a focus on verbal and written proficiency. Capability to train and mentor others. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312489 Posted On: 2025-06-26 Location: Mumbai, Maharashtra, India

About The Role Grade Level (for internal use): 12 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in Computer Science, Information Systems, Engineering, or a related field is required. Proficient in software development lifecycle (SDLC) methodologies, including Agile and Test-Driven Development. A total of 12+ years of experience, with 8+ years focused on designing enterprise products, modern data architectures, and analytics platforms. 6+ years of hands-on experience in application architecture and design, with proven knowledge of software and enterprise integration design patterns, as well as full-stack development across modern distributed front-end and back-end technology stacks. 5+ years of full-stack development experience using modern web development technologies, including proficiency in programming languages and UI frameworks, as well as experience with relational and NoSQL databases. Experience in designing transactional systems, data warehouses, data lakes, and data integrations within a big data ecosystem using cloud technologies. Thorough understanding of distributed computing principles. A passionate, intelligent, and articulate developer with a quality-first mindset and a strong background in developing products for a global audience at scale. Excellent analytical thinking, interpersonal skills, and both oral and written communication skills, with a strong ability to influence both IT and business partners. Superior knowledge of system architecture, object-oriented design, and design patterns. Strong work ethic, self-starter mentality, and results-oriented approach. Excellent communication skills are essential, with strong verbal and writing proficiencies. Additional Preferred Qualifications Experience working with cloud service providers. Familiarity with Agile frameworks, including scaled Agile methodologies. Advanced degree in Computer Science, Information Systems, or a related field. Hands-on experience in application architecture and design, with proven software and enterprise integration design principles. Ability to prioritize and manage work to meet critical project timelines in a fast-paced environment. Strong analytical and communication skills, with the ability to train and mentor others. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312491 Posted On: 2025-06-26 Location: Mumbai, Maharashtra, India

About this role: Wells Fargo is seeking a... In this role, you will: Participate in monitoring, documenting, underwriting, and reacting to the credit quality of an assigned portfolio of loans within CIB Portfolio Management functional area and contribute to planning related to functional area deliverables Review less complex or tactical issues, policies or procedures for which answers can be quickly obtained related to low-to-medium risk tasks and deliverables Receive direction from supervisor and exercise judgment while developing understanding of functions, policies, procedures, and compliance requirements Provide information to managers, functional colleagues and stakeholders Required Qualifications: 6 months+ of CIB Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education. Desired qualification Reviewing monthly servicer/collateral reports received from clients for completeness & accuracy of information and monitor underlying collateral performance including adherence to borrowing base, covenants, deal triggers, tracking & reporting financial trends of servicer/borrowers and ensuring the facility continue to perform in accordance with the terms of the credit agreement. Preparing quarterly surveillance decks summarizing above key information and terms for the entire ABS portfolio. Financial spreading and performing quarterly credit analysis of the clients with detailed credit write-up of both public and non-public companies. The credit write-up includes business (operating), industry, and financial analysis (including forward-looking liquidity, debt schedule and performance to plan analysis) to assess the creditworthiness of borrower/servicer/parent while keeping track of the latest developments in the assigned asset classes. Assisting US-based partners in preparing and drafting of annual credit reviews, as well as providing need-based support in conducting financial analysis for pipeline deals. Preparing tearsheets to evaluate financial performance of the lessees (counterparties to WF borrowers) based on top exposure concentration within the aircraft and shipping/ container portfolio. Performing Basel submissions for all the covered deals by capturing the data against the required Basel variables in an in-house portal on a quarterly basis. Assisting senior team members on transformation/efficiency/process improvement projects, including those with broader impact. Job Expectation At least a B.Com/M.Com or an equivalent qualification. MBA, CA, CFA / FRM or an equivalent qualification would be a plus. Experience in credit analysis/underwriting of corporates/FIG clients, structured finance, or debt capital markets. Securitization and / or ABS markets related experience and exposure would be an added advantage. Good understanding of financial statements and accounting policies of large corporates and/or financial institutions with ability to comprehend key risks. Proficiency in MS Office (Word, Excel & PowerPoint): Advanced knowledge of excel, VBA, python, macros, etc. would be a plus. Strong communication skills - both verbal and written. Ability to speak articulately and strong business writing skills. High level of personal motivation, strong interpersonal skills, and ability to multitask across contents in an evolving environment. Must be comfortable working independently and as part of a team. Must be flexible to work in EMEA/partial US shift as per business requirements. Posting End Date: 10 Jul 2025 *Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

Your role Retrieve, prepare and provide quality analyses of client data in a timely and accurate manner. Must be able to interpret reporting requests and communicate analyses in a meaningful manner. What you'll be doing Credit Data Analysis and Reporting: Retrieve, prepare, and provide high-quality analyses of client data in a timely and accurate manner. Interpret reporting requests and communicate analyses in a meaningful manner to stakeholders. Data Management: Manage and maintain a range of financial and client data. Proactively identify risks and problems through data collation and analysis. Ad-Hoc Reporting: Respond to ad-hoc client and company reporting requests, providing analysis and information to meet customer service and financial requirements. Post-Approval Activities: Manage post-approval activities, including the processing and issuance of credit letters. Ensure all documentation is accurate and complies with company and regulatory standards. Collaboration: Build and develop positive relationships with all internal colleagues, working closely with sales, finance, and other departments to ensure alignment on credit policies and procedures. Process Management: Provide and maintain procedures and processes for all reporting, including the updating of systems and credit management tools. Customer Credit Evaluation: Support the analysis of the creditworthiness of new and existing customers by reviewing financial statements, credit reports, and other relevant data. Risk Assessment: Help identify and evaluate potential credit risks, contributing to the development of strategies to mitigate these risks and recommending appropriate credit terms. Qualifications: Experience: o 3 to 4 years of experience in credit management, finance, or a related field, preferably within a global or multi-national context. Education: Bachelor’s or master’s degree in finance, Accounting, Business Administration, or a related field. Skills: Strong analytical and problem-solving abilities. Effective communication and interpersonal skills. Proficiency in credit management software and the Microsoft Office Suite. Ability to manage tasks independently and make sound decisions. Capable of working night shifts and managing time effectively in a fast-paced environment. About Corpay Corpay is a global technology organisation that is leading the future of commercial payments with a culture of innovation that drives us to constantly create new and better ways to pay. Our specialized payment solutions help businesses control, simplify, and secure payment for fuel, general payables, toll and lodging expenses. Millions of people in over 80 countries around the world use our solutions for their payments. All offers of employment made by Corpay (and its subsidiary companies) are subject to the successful completion of satisfactory pre-employment vetting by an independent supplier (Experian). This is in accordance with Corpay's Resourcing Policy and include employment referencing, identity, adverse financial, criminal and sanctions list checks. We do this to meet our legal and regulatory requirements. Corpay is dedicated to encouraging a supportive and inclusive culture among our employees. It is within our best interest to promote diversity and eliminate discrimination in the workplace. We seek to ensure that all employees and job applicants are given equal opportunities. Notice to Agency and Search Firm Representatives: Corpay will not accept unsolicited CV's from agencies and/or search firms for this job posting. Resumes submitted to any Corpay employee by a third party agency and/or search firm without a valid written & signed search agreement, will become the sole property of Corpay. No fee will be paid if a candidate is hired for this position as a result of an unsolicited agency or search firm referral. Thank you.

About The Role Grade Level (for internal use): 11 The Team You will be an expert contributor and part of the Rating Organization’s Data Services Product Engineering Team. This team, who has a broad and expert knowledge on Ratings organization’s critical data domains, technology stacks and architectural patterns, fosters knowledge sharing and collaboration that results in a unified strategy. All Data Services team members provide leadership, innovation, timely delivery, and the ability to articulate business value. Be a part of a unique opportunity to build and evolve S&P Ratings next gen analytics platform. Responsibilities Responsibilities: Architect, design, and implement innovative software solutions to enhance S&P Ratings' cloud-based analytics platform. Mentor a team of engineers (as required), fostering a culture of trust, continuous growth, and collaborative problem-solving. Collaborate with business partners to understand requirements, ensuring technical solutions align with business goals. Manage and improve existing software solutions, ensuring high performance and scalability. Participate actively in all Agile scrum ceremonies, contributing to the continuous improvement of team processes. Produce comprehensive technical design documents and conduct technical walkthroughs. Experience & Qualifications Bachelor’s degree in computer science, Information Systems, Engineering, or a related field is required. Proficiency in software development lifecycle (SDLC) methodologies such as Agile and Test-driven development. Over 10 years of experience, including at least 4 years in designing and developing enterprise products, utilizing modern technology stacks and data platforms. A minimum of 4 years of hands-on experience in application architecture and design, demonstrating knowledge of software and enterprise integration design patterns, as well as full-stack development, including contemporary distributed front-end and back-end technologies. At least 5 years of full-stack development experience in modern web technologies and frameworks, along with experience in SQL and various database systems. Experience in designing transactional systems, data warehouses, data lakes, and data integrations within a big data ecosystem, particularly leveraging cloud technologies. A thorough understanding of distributed computing concepts. A passionate and articulate developer with a quality-first mindset, possessing a strong background in developing scalable products for a global audience. Excellent analytical thinking, interpersonal skills, and strong oral and written communication abilities, with a proven ability to influence both IT and business partners. Superior knowledge of system architecture, object-oriented design, and design patterns. A strong work ethic, self-motivated, and results-oriented. Excellent communication skills are essential, with strong verbal and written proficiency. Experience with data lake systems and cloud technologies is a plus. Additional Preferred Qualifications Experience working with cloud platforms. Familiarity with Agile frameworks. Bachelor’s or postgraduate degree in Computer Science, Information Systems, or a related field. Hands-on experience in application architecture and design, with proven software and enterprise integration design principles. Ability to prioritize and manage tasks to meet critical project timelines in a fast-paced environment. Excellent analytical and communication skills are essential, with strong verbal and writing proficiency. Ability to train and mentor others. About S&P Global Ratings At S&P Global Ratings, our analyst-driven credit ratings, research, and sustainable finance opinions provide critical insights that are essential to translating complexity into clarity so market participants can uncover opportunities and make decisions with conviction. By bringing transparency to the market through high-quality independent opinions on creditworthiness, we enable growth across a wide variety of organizations, including businesses, governments, and institutions. S&P Global Ratings is a division of S&P Global (NYSE: SPGI). S&P Global is the world’s foremost provider of credit ratings, benchmarks, analytics and workflow solutions in the global capital, commodity and automotive markets. With every one of our offerings, we help many of the world’s leading organizations navigate the economic landscape so they can plan for tomorrow, today. For more information, visit www.spglobal.com/ratings What’s In It For You? Our Purpose Progress is not a self-starter. It requires a catalyst to be set in motion. Information, imagination, people, technology–the right combination can unlock possibility and change the world. Our world is in transition and getting more complex by the day. We push past expected observations and seek out new levels of understanding so that we can help companies, governments and individuals make an impact on tomorrow. At S&P Global we transform data into Essential Intelligence®, pinpointing risks and opening possibilities. We Accelerate Progress. Our People We're more than 35,000 strong worldwide—so we're able to understand nuances while having a broad perspective. Our team is driven by curiosity and a shared belief that Essential Intelligence can help build a more prosperous future for us all. From finding new ways to measure sustainability to analyzing energy transition across the supply chain to building workflow solutions that make it easy to tap into insight and apply it. We are changing the way people see things and empowering them to make an impact on the world we live in. We’re committed to a more equitable future and to helping our customers find new, sustainable ways of doing business. We’re constantly seeking new solutions that have progress in mind. Join us and help create the critical insights that truly make a difference. Our Values Integrity, Discovery, Partnership At S&P Global, we focus on Powering Global Markets. Throughout our history, the world's leading organizations have relied on us for the Essential Intelligence they need to make confident decisions about the road ahead. We start with a foundation of integrity in all we do, bring a spirit of discovery to our work, and collaborate in close partnership with each other and our customers to achieve shared goals. Benefits We take care of you, so you can take care of business. We care about our people. That’s why we provide everything you—and your career—need to thrive at S&P Global. Our Benefits Include Health & Wellness: Health care coverage designed for the mind and body. Flexible Downtime: Generous time off helps keep you energized for your time on. Continuous Learning: Access a wealth of resources to grow your career and learn valuable new skills. Invest in Your Future: Secure your financial future through competitive pay, retirement planning, a continuing education program with a company-matched student loan contribution, and financial wellness programs. Family Friendly Perks: It’s not just about you. S&P Global has perks for your partners and little ones, too, with some best-in class benefits for families. Beyond the Basics: From retail discounts to referral incentive awards—small perks can make a big difference. For more information on benefits by country visit: https://spgbenefits.com/benefit-summaries Global Hiring And Opportunity At S&P Global At S&P Global, we are committed to fostering a connected and engaged workplace where all individuals have access to opportunities based on their skills, experience, and contributions. Our hiring practices emphasize fairness, transparency, and merit, ensuring that we attract and retain top talent. By valuing different perspectives and promoting a culture of respect and collaboration, we drive innovation and power global markets. S&P Global has a Securities Disclosure and Trading Policy (“the Policy”) that seeks to mitigate conflicts of interest by monitoring and placing restrictions on personal securities holding and trading. The Policy is designed to promote compliance with global regulations. In some Divisions, pursuant to the Policy’s requirements, candidates at S&P Global may be asked to disclose securities holdings. Some roles may include a trading prohibition and remediation of positions when there is an effective or potential conflict of interest. Employment at S&P Global is contingent upon compliance with the Policy. Recruitment Fraud Alert If you receive an email from a spglobalind.com domain or any other regionally based domains, it is a scam and should be reported to reportfraud@spglobal.com. S&P Global never requires any candidate to pay money for job applications, interviews, offer letters, “pre-employment training” or for equipment/delivery of equipment. Stay informed and protect yourself from recruitment fraud by reviewing our guidelines, fraudulent domains, and how to report suspicious activity here. Equal Opportunity Employer S&P Global is an equal opportunity employer and all qualified candidates will receive consideration for employment without regard to race/ethnicity, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, marital status, military veteran status, unemployment status, or any other status protected by law. Only electronic job submissions will be considered for employment. If you need an accommodation during the application process due to a disability, please send an email to: EEO.Compliance@spglobal.com and your request will be forwarded to the appropriate person. US Candidates Only: The EEO is the Law Poster http://www.dol.gov/ofccp/regs/compliance/posters/pdf/eeopost.pdf describes discrimination protections under federal law. Pay Transparency Nondiscrimination Provision - https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_%20English_formattedESQA508c.pdf 20 - Professional (EEO-2 Job Categories-United States of America), IFTECH202.2 - Middle Professional Tier II (EEO Job Group), SWP Priority – Ratings - (Strategic Workforce Planning) Job ID: 312490 Posted On: 2025-06-26 Location: Mumbai, Maharashtra, India

Job Summary : The Credit Control and Collections Officer is responsible for managing the credit risk of the business by ensuring timely collection of outstanding accounts, assessing creditworthiness of customers, and maintaining accurate records of customer interactions. The role involves direct contact with clients to follow up on overdue payments and ensuring that credit policies are consistently followed. Key Responsibilities : Credit Control : Assess credit applications and perform credit risk evaluations for new and existing customers. Set and review credit limits based on company policy and financial analysis. Monitor customer account details for non-payments, delayed payments, and other irregularities. Ensure adherence to the company’s credit policy and procedures. Collections : Proactively contact customers via phone, email, and letter to chase overdue invoices. Negotiate payment plans and ensure timely follow-up on payment commitments. Escalate unresolved debts to management or legal action as required. Maintain detailed records of collection activities and customer communications. Reporting and Analysis : Prepare weekly and monthly aging reports, DSO (Days Sales Outstanding), and collections performance reports. Analyze delinquent accounts and recommend improvements to credit and collections processes. Collaborate with sales, customer service, and finance teams to resolve disputes affecting payment. Compliance and Recordkeeping : Ensure compliance with company policies, legal regulations, and data privacy standards. Maintain accurate and up-to-date customer records in the accounting system. Qualifications and Skills : Education : Bachelor’s degree in Accounting, Finance, Business Administration, or related field. Experience : 2–5 years of experience in credit control, accounts receivable, or collections. Experience with ERP systems (e.g., SAP, Oracle, QuickBooks) is a plus. Skills : Strong analytical and problem-solving skills. Excellent communication and negotiation skills. Proficiency in Microsoft Excel and accounting software. Attention to detail and high level of accuracy. Ability to work under pressure and meet tight deadlines.

Job Summary : The Credit Control and Collections Officer is responsible for managing the credit risk of the business by ensuring timely collection of outstanding accounts, assessing creditworthiness of customers, and maintaining accurate records of customer interactions. The role involves direct contact with clients to follow up on overdue payments and ensuring that credit policies are consistently followed. Key Responsibilities : Credit Control : Assess credit applications and perform credit risk evaluations for new and existing customers. Set and review credit limits based on company policy and financial analysis. Monitor customer account details for non-payments, delayed payments, and other irregularities. Ensure adherence to the company’s credit policy and procedures. Collections : Proactively contact customers via phone, email, and letter to chase overdue invoices. Negotiate payment plans and ensure timely follow-up on payment commitments. Escalate unresolved debts to management or legal action as required. Maintain detailed records of collection activities and customer communications. Reporting and Analysis : Prepare weekly and monthly aging reports, DSO (Days Sales Outstanding), and collections performance reports. Analyze delinquent accounts and recommend improvements to credit and collections processes. Collaborate with sales, customer service, and finance teams to resolve disputes affecting payment. Compliance and Recordkeeping : Ensure compliance with company policies, legal regulations, and data privacy standards. Maintain accurate and up-to-date customer records in the accounting system. Qualifications and Skills : Education : Bachelor’s degree in Accounting, Finance, Business Administration, or related field. Experience : 2–5 years of experience in credit control, accounts receivable, or collections. Skills : Strong analytical and problem-solving skills. Excellent communication and negotiation skills. Proficiency in Microsoft Excel and accounting software. Attention to detail and high level of accuracy. Ability to work under pressure and meet tight deadlines.

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.

We are a rapidly growing IT, Media, Telecom & Entertainment (OTT) company having the latest diversification into Real Estate and Renewable Energy based in Mumbai, dedicated to providing innovative services. We pride ourselves on our client-centric approach and our commitment to excellence. Join our dynamic team and be a part of our exciting growth journey! Job Summary: The incumbent, Bank Processing Executive - Debt Syndication will play a crucial role in facilitating the arrangement of corporate loans for our clients. This position requires strong coordination skills, financial acumen, and a deep understanding of credit processes within banks and financial institutions. The successful candidate will be responsible for meticulously preparing financial projections, CMA data, and other critical documentation to support loan applications, ensuring seamless communication and follow-up with the credit departments of various lenders. Key Responsibilities: Client Engagement & Needs Analysis: Work closely with the Debt Syndication team and corporate clients to understand their funding requirements, business models, and financial objectives. Gather and analyze financial information, business plans, and other relevant documents from clients. Financial Modeling & Analysis: Prepare detailed financial projections (P&L, Balance Sheet, Cash Flow Statements) for clients, incorporating various scenarios and assumptions. Develop comprehensive Credit Monitoring Arrangement (CMA) data as per the guidelines of banks and financial institutions. Conduct thorough financial analysis to assess the creditworthiness and repayment capacity of borrowers. Documentation & Application Preparation: Prepare professional and accurate information memorandums (IMs), loan proposals, and other necessary documentation for submission to potential lenders. Ensure all documentation adheres to regulatory guidelines and internal policies. Maintain an organized repository of client documents and loan applications. Coordination with Banks & FIs (Credit Department Focus): Act as a primary point of contact and liaison between our clients and the credit departments of various banks and financial institutions. Coordinate and facilitate due diligence processes, site visits, and discussions between lenders and clients. Respond promptly and accurately to queries and requests for information from credit teams. Proactively follow up on the status of loan applications, escalate issues as needed, and ensure timely approvals. Understand and articulate credit requirements, risk appetites, and lending policies of different financial institutions. Qualifications & Experience: Education: Chartered Accountant (CA) or MBA in Finance from a reputed institution is mandatory. Experience: 3-5 years of progressive experience in debt syndication, corporate finance, credit analysis, or a related field within a bank, financial institution, consulting firm, or corporate treasury. Technical Skills: Proficiency in Financial Modeling: Demonstrated expertise in building financial models, preparing projections, and conducting sensitivity analysis. CMA Data Preparation: Strong hands-on experience in preparing and analyzing CMA data. Advanced proficiency in MS Excel, PowerPoint, and Word.

Your role Retrieve, prepare and provide quality analyses of client data in a timely and accurate manner. Must be able to interpret reporting requests and communicate analyses in a meaningful manner. What You'll Be Doing Credit Data Analysis and Reporting: Retrieve, prepare, and provide high-quality analyses of client data in a timely and accurate manner. Interpret reporting requests and communicate analyses in a meaningful manner to stakeholders. Data Management: Manage and maintain a range of financial and client data. Proactively identify risks and problems through data collation and analysis. Ad-Hoc Reporting: Respond to ad-hoc client and company reporting requests, providing analysis and information to meet customer service and financial requirements. Post-Approval Activities: Manage post-approval activities, including the processing and issuance of credit letters. Ensure all documentation is accurate and complies with company and regulatory standards. Collaboration: Build and develop positive relationships with all internal colleagues, working closely with sales, finance, and other departments to ensure alignment on credit policies and procedures. Process Management: Provide and maintain procedures and processes for all reporting, including the updating of systems and credit management tools. Customer Credit Evaluation: Support the analysis of the creditworthiness of new and existing customers by reviewing financial statements, credit reports, and other relevant data. Risk Assessment: Help identify and evaluate potential credit risks, contributing to the development of strategies to mitigate these risks and recommending appropriate credit terms. Qualifications Experience: 3 to 4 years of experience in credit management, finance, or a related field, preferably within a global or multi-national context. Education Bachelor’s or master’s degree in finance, Accounting, Business Administration, or a related field. Skills Strong analytical and problem-solving abilities. Effective communication and interpersonal skills. Proficiency in credit management software and the Microsoft Office Suite. Ability to manage tasks independently and make sound decisions. Capable of working night shifts and managing time effectively in a fast-paced environment. About Corpay Corpay is a global technology organisation that is leading the future of commercial payments with a culture of innovation that drives us to constantly create new and better ways to pay. Our specialized payment solutions help businesses control, simplify, and secure payment for fuel, general payables, toll and lodging expenses. Millions of people in over 80 countries around the world use our solutions for their payments. All offers of employment made by Corpay (and its subsidiary companies) are subject to the successful completion of satisfactory pre-employment vetting by an independent supplier (Experian). This is in accordance with Corpay's Resourcing Policy and include employment referencing, identity, adverse financial, criminal and sanctions list checks. We do this to meet our legal and regulatory requirements. Corpay is dedicated to encouraging a supportive and inclusive culture among our employees. It is within our best interest to promote diversity and eliminate discrimination in the workplace. We seek to ensure that all employees and job applicants are given equal opportunities. Notice to Agency and Search Firm Representatives: Corpay will not accept unsolicited CV's from agencies and/or search firms for this job posting. Resumes submitted to any Corpay employee by a third party agency and/or search firm without a valid written & signed search agreement, will become the sole property of Corpay. No fee will be paid if a candidate is hired for this position as a result of an unsolicited agency or search firm referral. Thank you.

Description Team Profile: Alvarez & Marsal’s BTS team works with healthy and distressed middle market PE firms as well as with mid to large cap companies with growth aspirations and profitability / efficiency related challenges. The team works as partner to develop and execute restructuring plans. It provides liquidity assessment, business plan evaluation, creditworthiness assessment, & stakeholder negotiation services to clients. The BTS team helps clients effect positive change, manage risk and unlock value. BTS also offers detailed due diligence, financial analysis and valuation, liquidity management, business plan development, investment / market entry solutions, revenue enhancement solutions, supply chain & operations improvement, and digital transformation. BTS team consists of highly trained and experienced cross disciplinary advisors with strategy, operations , finance, IT and legal backgrounds. The practice covers varied sectors such as Transportation & Logistics, Consumer Packaged Goods, Food & Agri, Healthcare, Financial Services, Automotive, Energy, Digital & Tech, Industrial Goods, Aviation, Metals & Mining, Real Estate, Retail. Job Roles & Responsibilities: Delivery Excellence: Do in-depth research and generate reliable data Distill insights from analyses by identifying second order implications Systematically break down the problem into relevant focus areas Develop a quick understanding of clients’ businesses and its derivers and leverages the same for project delivery Discern patterns of complex diligence matters and provide accurate understanding Project Management: Plan and execute tasks effectively by prioritizing various activities with team Meticulous attention to detail, a sense of curiosity, and the ability to learn quickly, and a dedication to customer satisfaction Collaborate with colleagues, identify and implement opportunities for improved effectiveness, efficiency and risk mitigation Capture and record time and costs incurred on each project every week Ensure the timely delivery of work allocated Ensure timely actions on feedback by clients/Senior Manager/Director Client Management: Interact with clients and seniors independently and effectively Set clear and unambiguous expectations on deliverables Manage client expectations and make changes accordingly Earn client’s trust by displaying superior work ethic with utmost importance on client confidentiality Satisfy client expectations by delivering superior quality work Communication: Articulate ideas in confident and concise manner Engage audience by responding effectively & succinctly Prepares high-quality slides and decks Narrative building capability to distill complex ideas into a compelling story Basic Qualifications: MBA or equivalent master’s degree in Finance, Statistics, Economics or Mathematics from premium institutes required (preferred IIM / ISB / IIT / NIT) or CA Experience: Preferred: Relevant consulting experience OR industry experience at a renowned corporate in strategy / operations / business planning / cost reduction / sales & marketing / supply chain management / process re-engineering / finance controller / change management Experience in turnaround / distress situations advisory, interim management roles, operational restructuring environment Key Competencies: Must be able to effectively lead with various stakeholders of client Effectively communicate the findings and analyses to client Demonstrated ability to work with teams and creating learning environment Take initiative and actions to gain skillsets as per project demand Inclusive Diversity A&M’s entrepreneurial culture celebrates independent thinkers and doers who can positively impact our clients and shape our industry. The collaborative environment and engaging work—guided by A&M’s core values of Integrity, Quality, Objectivity, Fun, Personal Reward, and Inclusive Diversity—are the main reasons our people love working at A&M. Inclusive Diversity means we embrace diversity, and we foster inclusiveness, encouraging everyone to bring their whole self to work each day. It runs through how we recruit, develop employees, conduct business, support clients, and partner with vendors. It is the A&M way. Equal Opportunity Employer It is Alvarez & Marsal’s practice to provide and promote equal opportunity in employment, compensation, and other terms and conditions of employment without discrimination because of race, color, creed, religion, national origin, ancestry, citizenship status, sex or gender, gender identity or gender expression (including transgender status), sexual orientation, marital status, military service and veteran status, physical or mental disability, family medical history, genetic information or other protected medical condition, political affiliation, or any other characteristic protected by and in accordance with applicable laws. Employees and Applicants can find A&M policy statements and additional information by region here. Unsolicited Resumes from Third-Party Recruiters Please note that as per A&M policy, we do not accept unsolicited resumes from third-party recruiters unless such recruiters are engaged to provide candidates for a specified opening. Any employment agency, person or entity that submits an unsolicited resume does so with the understanding that A&M will have the right to hire that applicant at its discretion without any fee owed to the submitting employment agency, person or entity.

About the job Job Title: Financial Analyst / Sr. Financial Analyst Location: Noida Experience: 3+ Years Industry Preference: Banking, Investment Banking, Financial Services & Consulting Job Type: On-site, Full Time & Permanent Company: FinLender Capital About FinLender FinLender, headquartered in Noida, is recognized as India's most valuable Investment Bank. Over the past 12 months we have Closed 50+ marquee fundraising and special situation transactions. For finding the successful transactions by FinLender, visit the website below: www.finlender.com Promoters and Team Background: Promoters and Teams are CA, CFA, Ex-Banker, IIM, Ex Big 4, with 20+ years of experience each with experience of closing multiple transactions. India’s top 500+ lenders/Investors work with us: Which Includes Banks, NBFCs, Institutional Fund Houses, AIFs, ARCs, VCs, PEs, Hedge Funds, Family Offices, etc. Promoters/ Clients we work with: Average revenue our promoters & clients are making within range of 50 Cr to 2000 Cr, you will only be talking to Promoters, Founders & the CFO of the Company. Roles & Responsibilities : About the Role: As a Financial Analyst/Sr Financial Analyst at FinLender, you will be a key player in evaluating the creditworthiness of potential borrowers. Specialized in Debt Funding and Restructuring is responsible for overseeing the evaluation, approval, and management of credit risks for debt funding opportunities. This role requires in-depth knowledge of debt structuring, financial analysis, and risk mitigation strategies, as well as expertise in managing distressed debt portfolios. The individual will work closely with internal and external stakeholders to develop strategies for debt funding, restructuring negotiations, and ensure the end-to-end process from deal originate to disbursement, ensuring smooth execution and compliance with agreed terms. Strong knowledge of Debt Funding, Stressed Asset Financing, Special Situations Financing, and Debt Restructuring Opportunities to deliver optimal financial solutions and strategic capital structuring. Strong understanding in performing financial due diligence, engaging with clients, and executing deals to assess opportunities, build relationships, and drive successful transactions. Proficient in developing financial projections, conducting pre-credit assessments, and evaluating risks to ensure precise forecasting and adherence to regulatory requirements. Solid understanding of regulatory compliance, SOPs for documentation, and secondary market research to ensure informed decision-making and regulatory alignment. Expertise in preparing investor teasers, pitch decks, and funding proposals to effectively communicate investment opportunities and attract potential investors. Skilled in conducting thorough financial due diligence, compliance checks, and document verification to ensure regulatory adherence and operational integrity. Collaborate with the CRM team or other stake holders to manage the end-to-end lifecycle of transactions, including lead conversion, deal pipeline management, and timely disbursement of funds. Originate, structure, and negotiate financing transactions while building and maintaining strong relationships with client & channel partners for smoother operations. Oversee pre-credit assessment operations to ensure accurate and timely evaluation of potential deals, including review, negotiation, collateral management, and term sheet finalization. Utilize financial modelling, risk assessment, and CRM tools to enhance operational efficiency, decision-making, and business growth. Generate new business opportunities, including large-ticket-size deals, in collaboration with the CRM team & Channel Partner to meet and exceed revenue targets. Stay updated on market trends, regulatory changes, and industry best practices to maintain a competitive edge and support strategic initiatives. The candidate must consistently meet or exceed monthly targets in terms of revenue generation, client onboarding, MoU signup, securing LOI/TS/Sanctions, and disbursements. Skills & Abilities: Consistently meet and exceed targets in line with defined goals and performance expectations. Sound knowledge in presenting financial insights and customer documentation in alignment with CRM team protocols, ensuring accuracy and compliance. Optimize financial models and analytical tools to enhance efficiency and decision-making. Build and maintain strong relationships with clients and stakeholders to foster collaboration and drive successful outcomes. To Apply: Please send your updated resume to hr@finlender.com. #banking #arc #aif #NBFC #debtfunding #specialsituation #alternativeinvestmentfund #investmentbanking #venturecapitaldebt #nbfc #privateequity #instituationalfunding #workingcapital #termloan #corporatefunding #stressassertfunding #projectfinance #businessbanking

Date live: 07/03/2025 Business Area: Risk Area of Expertise: Risk and Quantitative Analytics Contract: Permanent Reference Code: JR-0000056088 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 on a transformative journey as Vice President - Corporate Risk, UKCB (UK Corporate Banking), where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unapparelled customer experiences. You will be a part of UKCB Corporate Risk Team which plays critical role in managing credit risk through robust assessment of borrowers’ creditworthiness, applying sound risk judgment based on established credit policies and regulatory environment. To be successful in this role, you should possess the following skills: Strong appreciation of general accounting principles, financial statement analysis, financial models and modelling techniques. Proven experience in Corporate Banking credit sanctioning process. Strong commercial and credit judgement. Strong knowledge across a wide range of Corporate Banking products including trade financing, derivative products, documentation. Must be decisive and a clear communicator both written and oral. Some other highly valued skills include: Post- graduate with MBA or Chartered Accountants. Additional Professional Certifications e.g. FRM, CFA, etc. 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 is based in our Noida office. Purpose of the role To assess and approve/decline credit applications based on established credit policies, risk appetite, and regulatory requirement and analysing financial information, evaluating creditworthiness, and recommending credit terms and conditions to ensure responsible lending practices. Accountabilities Analysis of lending applications, financial statements, credit reports, and other relevant documents to assess the borrower's creditworthiness and repayment capacity. Monitoring the performance of approved lending , identifying potential risks and early warning signs of delinquency. Evaluation of the risk profile of each application considering factors like industry trends, borrower financials, collateral, and market conditions. Provision of independent credit decisions on lending applications, adhering to established credit policies, risk parameters, and regulatory requirements. Development and implementation of appropriate course of action for troubled lending , including workout plans, restructuring, or collections. 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.

Job Title: Credit Analyst Experience: 1-3 yr Job Summary: As a Credit Analyst, you will be responsible for evaluating the creditworthiness of individuals applying for loans. You will assess financial information such as income statements, and credit reports to determine the risk involved in extending credit to the applicant. You will analyze the information provided by the borrower to determine if the loan is suitable for the applicant and if the applicant is suitable for the loan. You will also review loan agreements to ensure that the terms and conditions of the loan are appropriate. Key Responsibilities:  Collect and analyze financial data of applicants to determine their creditworthiness  Evaluate credit risk, develop credit profiles, and recommend appropriate credit limits  Analyze financial statements, credit reports, and other relevant information to determine the creditworthiness of potential borrowers  Verify the accuracy of financial data and ensure that all financial statements comply with relevant regulations  Assess the borrower's ability to pay back the loan by reviewing the borrower's financial history, credit score, and other financial data  Communicate with borrowers to obtain additional financial information or to discuss their credit status  Monitor borrowers' creditworthiness and financial performance over time to assess credit risk and identify potential problems  Work closely with loan officers to ensure timely processing of loan applications  Keep up-to-date with changes in lending practices, regulations, and credit risk assessment tools Requirements:  Bachelor's degree in finance, accounting, or a related field  Strong analytical skills, including the ability to analyze financial statements and credit reports  Knowledge of lending practices, credit risk assessment tools, and regulatory compliance  Excellent communication skills, including the ability to communicate complex financial information to non-financial stakeholders  Strong attention to detail and the ability to work independently  Proficiency in Microsoft Office, including Excel, Word, and PowerPoint.  Ability to work well under pressure and meet tight deadlines

Company Description Ananya Finance for Inclusive Growth Pvt. Ltd. (Ananya) is a Non-Banking Financial Company (NBFC) established by Friends of Women's World Banking – India (FWWB) in 2009. Ananya focuses on serving socially motivated double bottom-line enterprises and has a robust lending portfolio diversified across Microfinance and Agribusiness segments. The company is committed to supporting grass root entities and microfinance institutions, having achieved significant milestones since its inception. Ananya aims to improve living standards by supporting the economically deprived, with a well-diversified funder base that includes banks, financial institutions, and NBFCs. Role Description This is a full-time on-site role for a Credit Manager at Ananya Finance for Inclusive Growth Pvt. Ltd., located in Surendranagar. The Credit Manager will be responsible for managing credit portfolios, assessing creditworthiness, and mitigating credit risks. Daily tasks include analyzing financial statements, preparing credit reports, maintaining relationships with borrowers, and ensuring compliance with credit policies. The role also involves continuous monitoring of credit accounts and implementing risk management strategies. Qualifications Credit Management and Credit Risk Management skills Strong Analytical Skills and experience in Finance Excellent understanding of Credit and related processes Good communication and interpersonal skills Ability to work independently and collaboratively Bachelor's degree in Finance, Economics, Business Administration, or related field Experience in the microfinance or agribusiness sector is a plus