33 Financial Ratios Jobs

Key Accountability Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA) Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worths check. Team monitoring, mentoring and appraisals. Timely input on policy enhancements and optimization. Knowledge of regulatory reporting on account status and monitoring. Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stake holders.

Role Purpose Underwriting strategy. Assess proposals basis usage. Understand and derive financial trends of applicants. Prepare management OR credit committee level approval proposals. Manage strategic portfolio with ample portfolio indicator to identify early warnings / trends to consume in process/ policies. Accountability Cluster 1 Adherence to turn around times (TAT) on customer loan requests, as per the agreed service level agreements (SLA) Accountability Cluster 2 Ensuring adherence to internal Policy and processes by Maintaining regulatory compliance. Maintain system data quality. Accountability Cluster 3 Comprehensive profile study and financial analysis and proposal making. Should be well versed in financial ratios, viability studies, Cash flows, entity net worth check. Accountability Cluster 4 Team monitoring, mentoring and appraisals. Accountability Cluster 5 Timely input on policy enhancements and optimization. Accountability Cluster 6 Knowledge of regulatory reporting on account status and monitoring. Accountability Cluster 7 Understanding market dynamics and frequent visits to customers. Portfolio monitoring and reporting to management and relevant stakeholders.

As an Associate Consultant in the Corporate Finance - M&A Team, you will be responsible for various tasks including preparing sector-focused newsletters, identifying potential M&A clients for business development, contributing to buy-side/sell-side pitch books, executing valuation analysis, assisting in the creation of Confidential Information Memorandums and Management Presentations, conducting financial and operational benchmarking, and preparing conference presentations. You must hold qualifications such as CA/CFA/MBA with a specialization in Finance & Investment Management. The ideal candidate should possess 0 to 3 years of experience in investment banking/M&A services. It is essential to have a strong understanding of financial statements, financial ratios, M&A concepts, and relative valuation techniques. Analytical and problem-solving skills are crucial for this role, along with a commercial outlook and a good grasp of the general business/economic environment and M&A business. Proficiency in MS Office tools (especially Excel, Word, and PowerPoint) and experience with research databases like Capital IQ, Thomson Reuters, and Pitchbook are also required. Preferred skills include a personal drive, positive attitude, ability to deliver results under tight deadlines, effective written and verbal communication skills, and good interpersonal skills to collaborate effectively within a team.,

The Assistant Manager, Corporate Strategy and Planning will be a key contributor to the strategic direction and operational efficiency of the organization. You will collaborate closely with senior leadership to drive long-term strategic initiatives, conduct detailed financial analysis, and lead market research efforts. Your role will require a blend of analytical skills, strategic thinking, and project management expertise to support the company's growth objectives. Your responsibilities will include assisting in the development and execution of corporate strategy and long-term business plans. You will work with various business units to align organizational goals with strategic initiatives and analyze industry trends, competitors, and potential market opportunities. In the financial domain, you will be responsible for analyzing financial statements, cash flow projections, EBITDA, and conducting sensitivity analysis. You will independently analyze financial models with external stakeholders and prepare presentations for capital raise transactions. Additionally, you will support senior management in interactions with banks, financial institutions, funds, and legal experts for due diligence and documentation in capital raising activities. As a project manager, you will oversee cross-functional projects related to strategy execution, ensuring timely and budget-compliant delivery. You will track project progress and provide regular reports to senior management. Your role will also involve conducting market research to identify growth areas and inform investment decisions. Staying abreast of industry trends and emerging technologies will be crucial to helping the company maintain a competitive edge. To qualify for this position, you should hold a CA or MBA from a reputable institution. 2-5 years of experience in corporate strategy, financial planning, or business consulting is required. Your expertise in financial modeling, credit appraisal, and valuation will be essential. Proficiency in financial statement analysis, accounting principles, cash flows, and financial ratios is a must. Familiarity with banks" credit policies, RBI guidelines, and NBFC-specific regulations is preferred. Prior experience as a credit analyst in banks, NBFCs, or financial institutions, particularly in mid to large corporate teams, is advantageous. Experience in debt or equity raising activities, especially for amounts exceeding 200 Cr, will be a plus.,

As an Associate Consultant in the Corporate Finance - M&A Team, you will have the opportunity to contribute to various aspects of M&A transactions. Your responsibilities will include preparing sector-focused newsletters, identifying potential M&A clients for business development, and assisting in the preparation of buy-side/sell-side pitch books. You will also be involved in executing valuation analysis using market approaches, contributing to Confidential Information Memorandums and Management Presentations, performing financial and operational benchmarking, and preparing conference presentations. To excel in this role, you must possess a CA/CFA/MBA qualification with a specialization in Finance & Investment Management. Ideally, you should have 0 to 3 years of experience in investment banking or M&A services. A strong understanding of financial statements, financial ratios, M&A concepts, and relative valuation techniques is essential. Additionally, you should have excellent analytical and problem-solving skills, along with a commercial outlook and a good grasp of the general business and economic environment, particularly in the context of M&A activities. Proficiency in MS Office tools, including Excel, Word, and PowerPoint, is a must. Familiarity with research databases like Capital IQ, Thomson Reuters, and Pitchbook will be advantageous. Moreover, you should demonstrate personal drive, a positive attitude, and the ability to deliver results within tight deadlines and demanding situations. Effective written and verbal communication skills, as well as good interpersonal skills for effective teamwork, are highly valued in this role.,

About The Role Skill required: Client Financial Management - Financial Analysis Designation: Client Financial Mgmt Analyst Qualifications: Master of Business Administration Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Client Financial Management (CFM) is responsible for delivering business advisory services to Accenture client teams throughout the lifecycle of a contract. Our professionals are accountable for driving financial health and improved business results by providing analysis and advice to internal Accenture client leads. CFMs primary corporate finance activities include accurate forecasting and reporting, cash flow optimization, and financial analysis. As a Client Financial Management Analyst, you might spend your dayParticipating in the new business process through deal shaping and the development of opportunity pricing Recommending and implementing business changes to leverage emerging technologies and enable efficiencies across the Finance organization Diagnosing financial drivers and leveraging analytics to make recommendations to key stakeholdersQualification-CA, CMA, MBA FPAN, Description-Responsible for financial management - including budgeting & forecasting, contract profit & loss management and advisory services to client and corporate leadership teams Leading forecast reviews with senior leadership and advising on monthly results, variances to plan, and risk management strategies Developing innovative solutions to overcome complex revenue and profitability challenges Analyzing and forecasting cash conversion expectations to optimize cash flow Coordinating monthly accruals to drive accurate revenue recognition and expense activity Executing Internal Controls and confirming compliance with U.S. GAAP and Accenture finance policies and local statutory requirements Participating and leading initiatives, focusing on collaboration and inclusion within CFM and the local Finance CommunityDesign and implementation of tools and processes which enable the client to perform financial analysis of its statements. Involves the ability to assess materiality and volatility of financial statement line items and key metrics utilizing financial ratios to determine the financial health of the company. What are we looking for Excellent communication (written & oral), interpersonal and organizational skills Ability to work independently and as a team member Demonstrated leadership skills Good knowledge of U.S. GAAP and Sarbanes-Oxley Strong Excel skills, including an understanding of Pivot Tables and VLOOKUP/SUMIF functions Experience performing budgeting and forecasting functions Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Master of Business Administration

We are seeking a highly skilled Financial Analyst to join our team. The ideal candidate will have experience in financial reporting, financial consolidation, and record to report processes. The candidate should be proficient in R2R and RTR tools. Responsibilities Candidate will be aligned with our Finance Operations vertical and will be helping us in determining financial outcomes by collecting operational data/reports, whilst conducting analysis and reconciling transactions. Posting journal entries, preparing balance sheet reconciliations, reviewing entries and reconciliations, preparing cash forecasting statement, supporting month end closing, preparing reports and supports in audits. Implementation of gen. ledger processes including yearend closing, journalizing. Creating and maintaining ledgers, ledger currencies, budgets, and journal entries, design to deliver a financial management solution including a flexible accounting structure, comprehensive journal processing, hierarchical summaries, intuitive inquiry and reporting as well as dynamic allocations and the management of commitments and expenditures also run Interface reports and perform close books of accounts. Prepare and review financial reports, including balance sheets, income statements, and cash flow statements. Perform financial consolidation and analysis of financial data from various sources. Develop and maintain financial models and forecasts to support business decisions. Identify and analyse trends, variances, and anomalies in financial data. Collaborate with cross-functional teams to ensure accurate and timely financial reporting. Develop and implement process improvements to increase efficiency and reduce costs. Requirements 7-14 years of experience in financial analysis, financial reporting, and financial consolidation. Proficiency in R2R and RTR tools. Strong understanding of financial concepts, including accounting principles, financial statements, and financial ratios. Excellent analytical, problem-solving, and communication skills. Ability to work in a fast-paced environment and meet deadlines. Contact Person: Brindha Kamaraj Email: brindha@gojobs.biz

Skill required: Client Financial Management - Financial Analysis Designation: Client Financial Mgmt Analyst Qualifications: Master of Business Administration Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Client Financial Management (CFM) is responsible for delivering business advisory services to Accenture client teams throughout the lifecycle of a contract. Our professionals are accountable for driving financial health and improved business results by providing analysis and advice to internal Accenture client leads. CFMs primary corporate finance activities include accurate forecasting and reporting, cash flow optimization, and financial analysis. As a Client Financial Management Analyst, you might spend your dayParticipating in the new business process through deal shaping and the development of opportunity pricing Recommending and implementing business changes to leverage emerging technologies and enable efficiencies across the Finance organization Diagnosing financial drivers and leveraging analytics to make recommendations to key stakeholdersQualification-CA, CMA, MBA FPAN, Description-Responsible for financial management - including budgeting & forecasting, contract profit & loss management and advisory services to client and corporate leadership teams Leading forecast reviews with senior leadership and advising on monthly results, variances to plan, and risk management strategies Developing innovative solutions to overcome complex revenue and profitability challenges Analyzing and forecasting cash conversion expectations to optimize cash flow Coordinating monthly accruals to drive accurate revenue recognition and expense activity Executing Internal Controls and confirming compliance with U.S. GAAP and Accenture finance policies and local statutory requirements Participating and leading initiatives, focusing on collaboration and inclusion within CFM and the local Finance CommunityDesign and implementation of tools and processes which enable the client to perform financial analysis of its statements. Involves the ability to assess materiality and volatility of financial statement line items and key metrics utilizing financial ratios to determine the financial health of the company. What are we looking for Excellent communication (written & oral), interpersonal and organizational skills Ability to work independently and as a team member Demonstrated leadership skills Good knowledge of U.S. GAAP and Sarbanes-Oxley Strong Excel skills, including an understanding of Pivot Tables and VLOOKUP/SUMIF functions Experience performing budgeting and forecasting functions Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Master of Business Administration

Skill required: Client Financial Management - Financial Analysis Designation: Client Financial Mgmt Analyst Qualifications: Master of Business Administration Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Client Financial Management (CFM) is responsible for delivering business advisory services to Accenture client teams throughout the lifecycle of a contract. Our professionals are accountable for driving financial health and improved business results by providing analysis and advice to internal Accenture client leads. CFMs primary corporate finance activities include accurate forecasting and reporting, cash flow optimization, and financial analysis. As a Client Financial Management Analyst, you might spend your dayParticipating in the new business process through deal shaping and the development of opportunity pricing Recommending and implementing business changes to leverage emerging technologies and enable efficiencies across the Finance organization Diagnosing financial drivers and leveraging analytics to make recommendations to key stakeholderQualification-CA, CMA, MBA FPAN, Description-Responsible for financial management - including budgeting & forecasting, contract profit & loss management and advisory services to client and corporate leadership teamsLeading forecast reviews with senior leadership and advising on monthly results, variances to plan, and risk management strategies Developing innovative solutions to overcome complex revenue and profitability challenges Analyzing and forecasting cash conversion expectations to optimize cash flow Coordinating monthly accruals to drive accurate revenue recognition and expense activity Executing Internal Controls and confirming compliance with U.S. GAAP and Accenture finance policies and local statutory requirements Participating and leading initiatives, focusing on collaboration and inclusion within CFM and the local Finance CommunityDesign and implementation of tools and processes which enable the client to perform financial analysis of its statements. Involves the ability to assess materiality and volatility of financial statement line items and key metrics utilizing financial ratios to determine the financial health of the company. What are we looking for Excellent communication (written & oral), interpersonal and organizational skills Ability to work independently and as a team member Demonstrated leadership skills Good knowledge of U.S. GAAP and Sarbanes-Oxley Strong Excel skills, including an understanding of Pivot Tables and VLOOKUP/SUMIF functions Experience performing budgeting and forecasting functions Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Master of Business Administration

As a Project-Finance Modelling Analyst, you will play a crucial role in developing and managing complex financial models for evaluating, structuring, and financing large-scale projects in Saudi Arabia. You should have a Bachelor's degree in Finance, Economics, Accounting, or a related field, with a preference for a master's degree or relevant certification such as CFA or FMVA. With 2-6 years of relevant project finance experience, focusing on IPP, PPP, or similar frameworks, you will be responsible for creating cash flow projections, debt structuring, and financial ratios. Your strong analytical skills, attention to detail, and ability to work under tight deadlines will be essential in this role. Fluency in English is required, while proficiency in Arabic is a plus. You must be willing to work on-site in Saudi Arabia and familiarity with the local market and regulatory environment would be advantageous. Experience working with international and regional lenders, investors, and stakeholders is desirable. In this position, you will be developing, maintaining, and updating complex financial models to support project finance transactions. Conducting scenario and sensitivity analyses to assess financial viability under various assumptions will be part of your responsibilities. Collaboration with legal, technical, and commercial departments to ensure accurate reflection of project agreements in financial models is crucial. During the bid submission process, you will provide detailed financial analysis and modelling support, including preparation of input sheets, pricing models, and financial projections. Your role will also involve supporting the due diligence process by providing accurate financial data, models, and analysis to facilitate decision-making. If you are a highly skilled and experienced professional in project finance, we invite you to join our team and contribute to the success of our projects in Saudi Arabia.,

Role & responsibilities Perform in-depth fundamental credit analysis on Indian issuers including corporates, NBFCs, banks, and government entities. Analyze financial statements, cash flows, debt covenants, and credit ratios to determine creditworthiness. Track sectoral trends, regulatory developments, and economic factors affecting credit risk. Monitor macroeconomic indicators, interest rate movements, and global/local events impacting Indian debt markets. Prepare detailed credit notes, investment memos, and internal research reports with risk assessments and recommendations. Support portfolio managers in evaluating credit risk across portfolios and identifying new investment opportunities. Track and analyze credit rating movements, outlook changes, and material developments for issuers in the portfolio. Ensure compliance with internal risk guidelines and regulatory frameworks during credit evaluations. Engage with rating agencies, issuers, arrangers, and market participants to source credit information and insights Preferred candidate profile Education: CA or Masters degree in Finance, Economics, Accounting, or a related field. Certifications: CFA, FRM, or similar credentials (completed or in progress) are highly desirable. Experience: 2 to 5 years of relevant experience in credit analysis, financial research, or fixed income markets, preferably in a credit rating agency or asset management platform. Technical Skills: Strong proficiency in Excel; familiarity with Bloomberg is a plus. Understanding of credit risk, financial ratios, bond valuation, and fixed income securities (corporate and government bonds). Market Knowledge: Strong grasp of the Indian fixed income market, credit ratings, and macroeconomic indicators. Soft Skills: Excellent report writing, and communication skills with attention to detail.

You should be a Chartered Accountant with additional qualifications such as CMA, CFA, or MBA being preferred. You must have 10-15 years of post-qualification experience, preferably in the Infra Industry. Your responsibilities will include having a thorough understanding of Revenue Recognition in projects, including the Cost-to-Completion concept. You should be familiar with the application of Ind AS standards such as leases and Fair valuation of Equity Investments. Additionally, you will be responsible for preparing Cash flow statements, Segment reporting, and various notes to Accounts like Financial Ratios and Related Party transactions. Ledger Scrutiny will also be part of your duties. You should have a working knowledge of GST and IT TDS, as well as be able to compute Advance tax. Your role will also involve applying and interpreting clauses/sections of the Companies Act related to Directors Commission, CSR, etc. Furthermore, you will be responsible for handling Secretarial compliances like MSME returns, Form DPT-3, and providing financial data for Annual Return/Annual Report. Computer literacy is essential for this role, including proficiency in Advanced Excel and Power Point Presentation.,

The position available is with the Deal Advisory & Strategy team at KGS, KPMG's global delivery center and a crucial component of the firm's strategy to enhance innovation, build scalability, and improve profitability globally. The KGS Deal Advisory & Strategy group comprises over 900 professionals located in Gurgaon, Mumbai, and Bangalore, offering solutions to KPMG member firms worldwide. By leveraging insights and implementing best practices, the team develops tailored approaches to M&A transactions, covering areas such as Corporate Finance, Transaction Services, Strategy, Business Modelling, Accounting Advisory Services, Deal Advisory Research, and Benchmarking. As a Consultant in the Corporate Finance - Valuation team, your responsibilities will include executing end-to-end valuation engagements, including PPA - ASC 805/IFRS3, goodwill and asset impairment analyses (ASC 350/360/IFRS36), valuations of stock options under IRC 409A and ASC 718/IFRS9, conducting audit reviews, appraising third-party valuation reports, ensuring high-quality timely project delivery, performing business valuation model reviews, financial and operational benchmarking, structuring and composing sections of valuation reports and memos, and establishing strong brand equity with onshore stakeholders. The ideal candidate must hold qualifications such as CA/CFA/MBA (Specialization in Finance & Investment Management) with 3 to 5 years of experience in Corporate Finance or valuation roles, possess expertise in financial statements and financial ratios, demonstrate a sound understanding of corporate finance principles and valuation techniques, have knowledge of relevant local GAAP or IFRS standards, exhibit strong analytical and problem-solving skills, showcase proficiency in business writing and verbal communication, showcase advanced knowledge of MS Office (MS Excel, MS Word, and MS PowerPoint), and demonstrate proficiency in using research databases like Capital IQ, Thomson Reuters, and others. Desired skills include personal drive and a positive attitude to deliver results within tight deadlines and demanding situations, strong interpersonal skills to collaborate effectively within a team and mentor juniors as needed, and the ability to multitask and perform under pressure.,

As a Credit Manager, you will be responsible for various tasks related to credit management in the financial services sector. Your primary duties will include the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. To excel in this role, you should have a solid understanding of LAP/Housing loans/BL and be able to analyze risks associated with loan requests. Your responsibilities will also involve preparing Credit Appraisal Memos (CAM), analyzing Credit History, and assessing Technical and Legal reports. Additionally, you will be expected to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct hindsight visits in the field, and engage in Personal Discussions (PD) via various mediums including Telephonic, Video, or in-person meetings. Furthermore, you will be involved in audit clearances, processing files for disbursement, and overseeing the entire credit granting process. The ideal candidate for this role should possess 3 to 7 years of experience in the financial services sector. The salary range for this position is between 2 Lakhs 50 Thousand to 5 Lakhs per annum. This role falls within the industry of Financial Services / Banking, Investments / Insurance / Stock Market / Loan. The required qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills that will be beneficial for this position include Credit Officer, Credit Manager, and Loan Officer. If you meet the criteria and have the necessary experience, you are encouraged to consider this opportunity.,

Dear Candidate, Thank you for your interest in the Sales Manager-Corporate Lending position at XLR8 Talent Search in Pune. As a Sales Manager, your primary responsibilities will include acquiring new customers within the Medium & Large Enterprise Group Segment. You will be sourcing through open market as well as channel partners, and conducting sales promotion activities to enhance relationships and expand the customer base. Additionally, you will be involved in tasks such as CAM Preparation, Balance Sheet Analysis, Financial ratios evaluation, and Scrutiny of security documents. Your role will also require interacting with customers to understand their business and financial needs, collaborating with credit and operations teams for proposal sanctioning, ensuring timely processing of files, and reporting on market information and competition. Monitoring customer accounts to minimize delinquency, sourcing profitable business, and implementing sales and marketing processes for growth will be crucial aspects of your job. To be successful in this role, you should have a Graduate or MBA qualification along with at least 5 years of experience in Sales & Business Development within NBFC or Banks, particularly in SME Loans, Business Loans, Working Capital Loan, Equipment Loan, and Term Loan. You must possess expertise in Direct Sales, Channel Management, Sales & Marketing, and Relationship Management. Your focus will be on achieving business targets within the designated territory, expanding the dealer network, identifying growth opportunities, and maintaining customer satisfaction by addressing feedback and grievances effectively. Furthermore, you will be responsible for market research, selecting appropriate distribution channels, and ensuring primary and secondary sales success. If you meet these qualifications and are interested in this position, please share your resume at veena@xlr8talentsearch.com with the subject line "Sales Manager-Corporate Lending". We look forward to potentially welcoming you to our team. Regards, Roopak Agarwal HR Team XLR8 Talent Search Contact: 7467805756 Job Types: Full-time, Permanent Schedule: Day shift, Monday to Friday Work Location: In person Expected Start Date: 28/07/2025,

Business Analyst - Financial Spreading Software Responsibilities and Duties Elicit, analyze, and document detailed business requirements for financial spreading software from various stakeholders, including lenders, credit analysts, and underwriters. Translate business needs into functional and non-functional requirements, user stories, use cases, and process flows for the development team6. Collaborate with the development team to ensure the software design and functionality align with the documented requirements. Ensure the software design and functionality adhere to relevant regulations and industry standards in financial spreading and credit risk assessment. Create comprehensive user acceptance testing (UAT) plans and test cases to validate the software against the defined requirements. Participate in UAT sessions, document defects, and work with the development team to resolve issues. Contribute to the development of user manuals, training materials, and online help documentation to support user adoption and understanding of the software. Support the product management team in defining the product roadmap and prioritizing features based on market needs and client feedback. Support the implementation and adoption of the software by users, including providing training and facilitating change management activities. Incorporate feedback from stakeholders, such as product managers and lead developers, to refine and improve the software requirements and design. Required Skills and Experience Proven experience as a Business Analyst in the financial services industry, with a focus on lending and credit risk management. Strong understanding of financial spreading methodologies, including the analysis of financial statements, tax returns, and cash flow projections . Familiarity with credit risk assessment tools and techniques, such as financial ratios, credit scoring models, and stress testing . Experience with data analysis and financial modeling tools, such as Excel, SQL , and statistical software packages. Familiarity with leading financial spreading software solutions and platforms in the market (e.g., Moodys CreditLens, Sageworks, nCino, Baker Hill NextGen) . Strong analytical and problem-solving skills, with the ability to identify and articulate business needs and translate them into software requirements . Proficiency in using requirement management tools and techniques, such as JIRA, Confluence, and Agile methodologies . Educational Qualifications Bachelor’s degree in business administration, Finance, Economics, or a related field. Master’s degree in business administration (MBA) or a related field is preferred . Relevant certifications, such as Certified Business Analysis Professional (CBAP) or Certified associate in project management (CAPM), are a plus . Understanding of Credit Risk Assessment and Mitigation The Business Analyst needs a strong understanding of credit risk assessment and mitigation strategies: Creditworthiness Assessment: Ability to analyze borrower financial statements, including balance sheets, income statements, and cash flow statements . Understanding of key financial ratios and metrics used to assess creditworthiness . Risk Mitigation: Familiarity with various credit risk mitigation techniques, such as loan covenants, collateral requirements, and guarantees . Experience with Data Analysis and Financial Modeling The Business Analyst should have a strong foundation in data analysis and financial modeling: Proficiency in using spreadsheet software, such as Microsoft Excel, for financial analysis and modeling. Experience with database query languages, such as SQL, to extract and analyze data from financial systems .

As a Manager/Senior Manager in the Underwriting Department at a Fin-tech venture funded by the largest global investors located in Gurgaon, your primary responsibilities will include assessing borrowers" creditworthiness by conducting a comprehensive analysis of the industry segment, business model, financial statements, monthly MIS, and more. You will be expected to analyze cash flow statements, cash flow projections, EBIDTA sensitivity analysis, and engage with customers to structure transactions through credit enhancements and financial covenants. Conducting personal discussions with Founders, Promoters, and CFOs to gain insights into the current business model, fund-raising plans, and growth strategies is a key aspect of the role. Additionally, you will be required to benchmark borrowers" financial performance against industry standards, perform secondary research on management backgrounds, and regularly review covenants and portfolio performance to recommend corrective actions when necessary. Effective coordination with cross-functional teams such as Sales, Operations, Legal, Technology, and Customer Service is essential. Ensuring compliance with internal credit policies, RBI guidelines, and NBFC-specific regulations is also a critical part of the job. The ideal candidate for this role should have a keen interest in tech-driven credit decision processes, familiarity with various financial products like business loans, lines of credit, and dropline OD, and a strong grasp of financial statement analysis, accounting principles, cash flows, and financial ratios. Excellent critical thinking, decision-making, written and verbal communication skills are required, along with the ability to manage multiple stakeholders effectively. Candidates with an MBA in Finance or a CA qualification and 2 to 5 years of relevant experience will be preferred. Knowledge of drafting sanction letters and loan agreements will be considered an added advantage for this position.,

Job Title: Junior Financial Analyst/Accountant Job Summary: This role requires experience in analyzing financial statements for clients with a turnover above 50 crores. The ideal candidate should possess excellent analytical and communication skills, with strong knowledge in accounting and finance. Responsibilities include conducting credit analysis, developing client relationships, preparing reports, and working with various financial data points, such as trade receivables and payables, financial ratios, and more. Key Responsibilities: Financial and Credit Analysis : Conduct thorough financial and credit analysis to assess client creditworthiness, especially for businesses with turnovers above 50 crores. Trend and Financial Analysis : Prepare trend analysis and financial reports based on the client's financial performance, including Balance Sheets, P&L, and Cash Flow Statements. Trade Receivables and Payables : Analyze and prepare Trade Receivables and Trade Payables Ageing Reports. Financial Ratios : Understand and interpret financial ratios to assess business performance and potential risks. Credit Reports : Assist in the preparation of credit reports, summarizing key financial findings for review by senior analysts. Company Research : Conduct firm or company research to understand their implications on credit risk and ensure data is comprehensive for assessments. Client Communication : Collaborate with internal teams and communicate effectively with clients to gather relevant information for financial and credit assessments. Documentation & Reporting : Maintain accurate credit files and documentation in compliance with company policies. Prepare consolidated reports and summaries, as well as aging reports on trade receivables and payables. Regulatory Knowledge : Apply knowledge of GST, Income Tax TDS, and general accounting principles to your financial analysis. Key Skills: Financial Statement Analysis : Expertise in analyzing Balance Sheets, P&L, and Cash Flow Statements. Tally Prime : Hands-on experience using Tally Prime for accounting and reporting. Ageing Reports : Ability to analyze and prepare Trade Receivables and Payables Ageing Reports. Financial Ratios : Proficient in interpreting and applying financial ratios. GST and Income Tax TDS Knowledge : Understanding of basic taxation principles related to GST and TDS. Accounting Knowledge : Solid foundation in accounting principles and practices. Financial Analysis Tools : Experience with MS Excel and Word for financial analysis and reporting, including financial modeling techniques. Communication Skills : Strong verbal and written communication skills in English, Hindi, and Telugu. Required Qualifications: Educational Background : B.Com, M.Com, MBA (Finance), or a related field. CA Intermediate with 3 years of articleship experience is a plus. Experience : 2-4 years of experience in an audit firm, working with clients whose turnover exceeds 50 crores. Analytical Skills : Strong analytical skills with the ability to interpret complex financial data and draw conclusions based on it. Software Proficiency : Hands-on experience with Tally Prime Software for accounting and financial data management. Communication Skills : Excellent written and verbal communication skills, with the ability to work effectively in teams and handle client communications. Preferred Qualifications: Internship or Experience : Relevant internship or professional experience in credit analysis, financial services, or similar roles. Experience : 2+ years of experience in financial analysis or credit analysis, with a solid understanding of financial statements and risk assessment. Attention to Detail : High attention to detail with a commitment to accuracy in financial assessments. Problem-Solving Skills : Strong problem-solving abilities, especially in high-pressure situations and tight deadlines. Work in High-Pressure Environments : Ability to manage competing deadlines and work efficiently in a fast-paced environment. CA Semi-Qualified : Semi-qualified CA is a plus. Client Exposure : Experience working with clients whose turnover exceeds 50 crores is highly preferred. Other Skills: Team Collaboration : Able to work effectively within teams, sharing information and collaborating on various tasks. Multilingual : Fluency in English , Hindi , and Telugu to communicate with clients across different regions. Deadline Management : Ability to work in a fast-paced environment, manage multiple deadlines, and maintain high-quality work standards. This Junior Financial Analyst/Accountant role is ideal for candidates who are passionate about finance, enjoy analyzing financial data, and have a solid understanding of accounting practices, taxation, and client-facing responsibilities. If you have experience working with large clients (above 50 crores turnover) and possess the relevant skills and qualifications, we'd love to hear from you!

As a Credit Manager, you will be responsible for the consistent application of a credit policy, conducting periodic credit reviews of existing customers, and evaluating the creditworthiness of potential customers. Your duties will include analyzing risks and making decisions on loan requests, preparing Credit Appraisal Memos (CAM), reviewing credit history, and assessing technical and legal reports. You will also be required to calculate financial ratios such as credit scores and interest rates, sanction TVR, conduct field visits for hindsight, and engage in personal discussions with customers via tele/video/physical mediums. Additionally, you will be involved in audit clearance, processing files for disbursement, and overseeing the entire credit granting process. Ideal candidates for this role should have a minimum of 2 years of experience in credit management, with specific knowledge of LAP, Housing loans, and BL. The preferred educational qualifications include B.A, B.B.A, B.Com, M.A, M.B.A/PGDM, or M.Com. Key skills for this position include expertise in credit evaluation, loan processing, and risk analysis. This position offers a competitive salary ranging from 2 Lac 50 Thousand to 5 Lac per annum and falls under the industry of Financial Services, Banking, Investments, Insurance, Stock Market, and Loans. If you possess the required experience, qualifications, and skills for this role, we invite you to walk in for further discussions and assessments.,

To assess, analyze, and appraise credit proposals in the 5 Crore to 25 Crore range for commercial banking clients, ensuring sound credit decisions that balance business growth with risk management principles. The role involves detailed financial analysis, risk identification, and preparation of credit notes in line with the bank’s credit policy and regulatory guidelines. Submission of control returns. Roles and Responsibilities Evaluate and appraise credit proposals of 5 Crore to 25 Crore from commercial banking clients across sectors. Conduct detailed financial analysis including review of balance sheets, profit & loss accounts, cash flows, and key financial ratios, auditor reports, tax audit reports, GST returns, IT returns, Valuation reports, Deduping Perform due diligence on borrower background, industry trends, and business models to assess risks and mitigation strategies. Structure credit facilities (fund-based and non-fund-based) ensuring alignment with bank’s credit guidelines and regulatory guidelines Prepare comprehensive credit appraisal memos / notes for sanctioning authorities. Interact with relationship managers, clients, and other stakeholders for clarifications and additional information. Monitor existing portfolio health through periodic reviews, early warning signals, and recommend appropriate actions. Ensure compliance with internal policies, regulatory norms (RBI guidelines), and audit requirements. Maintain quality of the loan book through prudent risk assessment and adherence to turnaround timelines. Submission of periodical review notes and control returns.

The Project-Finance Modelling Analyst position requires a candidate with a Bachelor's degree in Finance, Economics, Accounting, or a related field. A master's degree or relevant certification such as CFA or FMVA is preferred. The ideal candidate should have 2-6 years of experience in project finance, particularly focusing on Independent Power Producers (IPP), Public-Private Partnerships (PPP), or similar frameworks. Responsibilities include developing and managing complex financial models, including cash flow projections, debt structuring, and financial ratios. The candidate must possess strong analytical skills, attention to detail, and the ability to work under tight deadlines. Fluency in English is required, and proficiency in Arabic is a plus. The Project-Finance Modelling Analyst will be based on-site in Saudi Arabia and should be familiar with the local market and regulatory environment. Experience working with international and regional lenders, investors, and stakeholders is desirable. Key responsibilities include developing, maintaining, and updating financial models to support project finance transactions, conducting scenario and sensitivity analyses, collaborating with various departments, providing financial analysis support during the bid submission process, and facilitating the due diligence process by providing accurate financial data and analysis.,

We are currently looking for Associate Analyst profiles in our SME-Rating team at ONICRA Credit Rating Agency, one of the leading Credit and Performance Rating agencies in India. Our agency provides ratings, risk assessment, and analytical solutions to Individuals, MSMEs, and Corporates, playing a crucial role in creating trust between market players to facilitate transactions. At ONICRA, we are dedicated to collecting and analyzing various financial, operational, industry, and market information to provide stakeholders with objective, timely, independent, and forward-looking credit and performance opinions. Our core principles of objectivity, quality, independence, integrity, and transparency guide our assessments. The Associate Analyst role involves interacting with clients and banks for the credit review process, preparing financial spreads, conducting Financial Statement Analysis of SMEs, preparing credit rating reports, and presenting credit appraisal and reports to the rating committee. The ideal candidate should have a B.Com+MBA/PGDM (Finance/IB/CFA) or B.Tech (Mechanical/Production/Chemical)+MBA (Finance/CFA) qualification with knowledge of MS Office tools such as Excel, Word, and PowerPoint. Additionally, familiarity with accounting, financial ratios, and cash flows is essential. A minimum of 60% marks in the qualifying education is required. Small and medium-sized enterprises (SMEs) play a significant role in the economic development of countries, including India, contributing to employment and exports. With nearly 35% of the gross value of output in the manufacturing sector and over 40% of total exports originating from SMEs, this sector presents ample investment opportunities. If you are passionate about financial analysis, credit assessment, and contributing to the growth of SMEs in India, this role offers an exciting opportunity to be part of a dynamic team at ONICRA Credit Rating Agency. Regards, Tina Sharma Senior HR ONICRA GROUP,

About The Role Skill required: Client Financial Management - Financial Analysis Designation: Client Financial Mgmt Analyst Qualifications: Master of Business Administration Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do Client Financial Management (CFM) is responsible for delivering business advisory services to Accenture client teams throughout the lifecycle of a contract. Our professionals are accountable for driving financial health and improved business results by providing analysis and advice to internal Accenture client leads. CFMs primary corporate finance activities include accurate forecasting and reporting, cash flow optimization, and financial analysis. As a Client Financial Management Analyst, you might spend your dayParticipating in the new business process through deal shaping and the development of opportunity pricing Recommending and implementing business changes to leverage emerging technologies and enable efficiencies across the Finance organization Diagnosing financial drivers and leveraging analytics to make recommendations to key stakeholdersQualification-CA, CMA, MBA FPAN, Description-Responsible for financial management - including budgeting & forecasting, contract profit & loss management and advisory services to client and corporate leadership teamsLeading forecast reviews with senior leadership and advising on monthly results, variances to plan, and risk management strategies Developing innovative solutions to overcome complex revenue and profitability challenges Analyzing and forecasting cash conversion expectations to optimize cash flow Coordinating monthly accruals to drive accurate revenue recognition and expense activity Executing Internal Controls and confirming compliance with U.S. GAAP and Accenture finance policies and local statutory requirements Participating and leading initiatives, focusing on collaboration and inclusion within CFM and the local Finance CommunityDesign and implementation of tools and processes which enable the client to perform financial analysis of its statements. Involves the ability to assess materiality and volatility of financial statement line items and key metrics utilizing financial ratios to determine the financial health of the company. What are we looking for Excellent communication (written & oral), interpersonal and organizational skills Ability to work independently and as a team member Demonstrated leadership skills Good knowledge of U.S. GAAP and Sarbanes-Oxley Strong Excel skills, including an understanding of Pivot Tables and VLOOKUP/SUMIF functions Experience performing budgeting and forecasting functions Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Master of Business Administration

Data Management & System Updates Fund Analysis & Classification Research Report Generation AMC Interaction &Process Understanding Monitoring & Compliance Maintaining accurate fund data Info.aspiringmantra@gmail.com Required Candidate profile Strong understanding of mutual funds, market indices & investment strategies. Analytical skills to interpret performance metrics & financial ratios. Experience with Morningstar/ACE MF is a plus.

About this role: Wells Fargo is seeking a Commercial Banking Portfolio Associate In this role, you will: Research complex financial and credit information for commercial business, or high net worth customer loan packages, according to business unit standards within Commercial Banking Portfolio Management functional area Review basic issues, policies, or procedures for which answers can be quickly obtained, related to low to medium risk tasks and deliverables Underwrite loans with aggregate credit exposure based upon approved credit authority limits Investigate credit standards and determine credit worthiness of high net worth loans Receive direction from supervisor and exercise independent judgement while developing understanding of function, policies, procedures, and compliance requirements Collaborate and consult with managers, functional colleagues, and stakeholders including internal as well as external customers Required Qualifications: 6+ months of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Bachelors/Masters degree in Commerce, Finance, Accounting or related fields. MBA Finance preferred. Experience in credit analysis, risk management or related areas in banking or financial services. Basic to intermediate level of knowledge on financial statements, financial ratios, lending documents, covenants and cash flow assessment. Intermediate proficiency in Excel, including working with linked spreadsheets and formulas Basic understanding of regulatory framework and credit policy is recommended. Strong communication and documentation skills.