Job description: We are looking for a talented and highly motivated individual interested to make a career in area of Finance. In this role as a financial analyst, the candidate must perform data scrubbing, verification and validation of new and existing debts across different structured finance asset classes (CLO,CDO,ABS,RMBS) against performance reports in customer proprietary software/database. This position involves analyzing and structuring complex financial products to meet the needs of both the organization and its clients. By assessing risk, modeling financial scenarios, and providing insights into market trends, the Structured Finance Analyst helps drive informed decision-making that aligns with the company's objectives. Job Location: Kolkata Qualification/Experience required: Have completed Masters in Business Administration (Finance)/M. Com or equivalent qualification in Finance/FRMs/CFAs/CA. Experience: Preferably fresher or 0-3 years of relevant experience. Key Responsibilities: Conduct detailed financial analysis to assess the performance of structured finance products. Develop, review, and enhance complex financial models for structured finance products such as ABS, MBS, CDO, and CLO. Prepare detailed credit analyses and reports for potential and existing structured finance deals. Collaborate with cross-functional teams to gather relevant data and insights for financial assessments. Present comprehensive reports and presentations to stakeholders and management. Ensure compliance with regulatory requirements and industry best practices. Conduct thorough due diligence on deal participants, collateral, and transaction structures. Manage financial operations and support the execution of financial strategies. Key Skills Required: Excellent communication and organizational skills. Demonstrated initiative, enthusiasm, and ability to learn quickly and excel as part of a dynamic team. Attention to detail and ability to work and learn independently Solid quantitative skills and analytical problem-solving ability • Professional, pro-active, flexible, diligent, and dependable Information Security Responsibility: Maintain Confidentiality and Integrity of organization information. Adhere to prescribed Infosec requirement.

I CRA Analytics Ltd, a wholly owned subsidiary of ICRA Ltd, a leading credit rating agency in India and an afiliate of Moodys Investors Service is looking for Senior Full-Stack Java/J2EE developer. * Candidates Notice period should not be more than 30 days. Location - 17th Floor, Plot G, Infinity Benchmark, 1, GP Block, Sector V, Kolkata, West Bengal 700091 THE COMPANY ICRA Analytics have presence across Mumbai, NCR, Kolkata and Chennai and an array of offerings for domestic and global clients. 1. We offer knowledge process outsourcing services comprising automated data management and analytical support with high accuracy and quick turnaround to support the business needs of our clients. 2. We provide risk assessment services, including grading services for MSMEs and ESCOs as well as vendor and counter-party assessment tools and services. 3. We implement risk management solutions in credit risk, including internal rating models and expected credit loss for banks, NBFCs and other market participants. 4. We are a trusted provider of data, research and analytics on mutual fund, ixed income and other asset classes to fund managers, investors, lenders and intermediaries. 5. We offer consulting services, tools and solutions on early warning signals, enterprise risk management, risk modelling, portfolio analytics, fund ranking and implementation of regulatory standards to enable our clients to measure, manage and mitigate risks based on traditional as well as alternate data and insights derived from our proprietary models. We make extensive use of technology and leverage our domain expertise through process automation, building intelligent software, developing cloud-hosted solutions, deploying digital platforms for external and internal customers, etc. We are an ISO 9001:2015 and ISO 27001:2013 certiied company, with strong focus on infosec and business continuity to ensure data security, availability, and integrity on 24*7 basis. We are a strong engaged team with diverse qualiications and skills across GAAP, IFRS, inancial statement analysis and interpretation, credit risk modelling, inancial asset and business valuation, fund research, ESG, structured inance, Python, R, .Net, SQL, Oracle, GIS, etc. We have executed more than 10,000 assignments over the last 20 years and add value to our clients by integrating our deep domain expertise with robust technology framework. Our goal is to provide offerings that are contemporary, and we continue to upgrade and supplement our repertoire with a demonstrated focus on continuous learning. Earning accolades for our services, we were recently awarded as the Top Exporter 2020-21 (ITES Less than 1000 million in FY21) and company with Highest Percentage of Women Employees 2020-21 (IT/ITES Less than 1000 million in FY21) by STPI Export Awards, West Bengal. Full-Stack Java/J2EE developer Line of Business/Department: IT Location: Kolkata Education: Minimum bachelors degree in computer science or related experience, masters degree is a plus. Qualiication: 5+ years of software development experience in a highly regulated environment, such as inancial services. Working with Java based frameworks, including JPA, Spring Boot, Spring Batch and Spring framework. Working with Service Oriented Architecture (SOA) and Web Services (REST and SOAP) using Spring. Working with microservices and design patterns. Understanding of Object-Oriented design and development. Able to debug JAVA code and troubleshoot complex issues. Knowledge of cloud technology. Hands on experience in AWS. AWS - API gateway, IAM, S3, SNS, SQS, Lambda, Aurora, Glue, Docker and EKS. Experience in using monitoring tools like App Dynamics, Splunk and cloud watch etc. Knowledge of build/dependency management tools such as Maven, Bit Bucket. Able to work well within the constructs of an agile development process, including SCRUM, Unit Testing, Continuous Build, and Integration, etc. Should be able to write complex queries and debug stored procedures. Knowledge of databases: MS SQL, Oracle, Sybase, MySQL, MongoDB, etc. Role/Responsibilities: Software Engineer will be designing, coding, enhancing, and testing of software applications to meet business process requirements. Contribute to ongoing feature development of web applications based on service-oriented architecture, involving UI, services, and databases. Work with the development team leads (Lead Software Engineers) on the technical and architectural direction of projects. Research, analyze, design, and deliver solutions that are appropriate for business and application development strategies. Work with cross functional, globally dispersed development teams to support development efforts to meet business requirements. Assist in designing and developing new projects and enhancements based on evolving business needs. Interact with internal users to deine system requirements and/or necessary modiications. Complete documentation and procedures for installation and maintenance of software. Understanding of Quality Processes like ISO, CMM, etc. Information Security Responsibility - Maintain Conidentiality and Integrity of organization information. Report Security Breaches immediately to CISO Compensation: per Company pay-scale

Key Responsibility: End-to-End Model Development Design, train, and deploy machine learning models (supervised/unsupervised learning, NLP, time-series forecasting) using Python (scikit-learn, TensorFlow, PyTorch) and R for specialized statistical analysis. Optimize models for computational efficiency via parallelization, quantization, and cloud-native architectures (AWS SageMaker, GCP Vertex AI). Data Engineering & Pipeline Automation Build robust ETL/ELT pipelines for structured/unstructured data using SQL, Spark, and Apache Airflow. Implement feature engineering workflows and ensure data quality for large-scale datasets (1M+ records). Cross-Functional Collaboration Partner with product, risk, and engineering teams to operationalize models into business applications (e.g., credit risk systems, customer segmentation tools). Mentor junior engineers and lead code reviews to maintain best practices in MLops workflows. Model Governance & Compliance Develop monitoring frameworks for model drift, bias detection, and performance degradation. Ensure compliance with regulatory standards and internal governance policies. Innovation & Research Stay ahead of industry trends (e.g., LLMs, generative AI) and prototype solutions using no-code platforms. Publish internal white papers on novel methodologies and present findings to stakeholders. Technical Requirements Core Skills: Python (expert), R (intermediate), SQL, Apache Spark, Apache Arrow, Pydantic Machine Learning: Regression, classification, clustering, deep learning (CNNs, RNNs) Frameworks: scikit-learn, PyTorch, TensorFlow, Hugging Face, MLflow Cloud: AWS/GCP/Azure or any cloud platform, Docker, Kubernetes Domain Expertise (Preferred): Financial services (PD/LGD modelling, ECL calculations, risk analytics) Experience with no-code platforms is a bonus Knowledge of regulatory frameworks (Basel III, IFRS 9) Soft Skills & Culture Fit Ownership Mindset: Take end-to-end responsibility for projects, from ideation to deployment. Collaboration: Excel in cross-functional teams with clear communication to technical and non-technical stakeholders. Innovation: Continuously explore emerging tools (e.g., LLMs, AutoML) to solve business challenges.

Company - ICRA Analytics Limited Location - Sector V ( Kolkata ) Position - Apprentice - Python Fresher ( One Year Contractual) Stipend - 20k ( per month) Qualification - Any Graduate ( Master degree will not be accept ) Key Responsibilities: Independently develop Python-based applications and modules. Write clean, maintainable code with proper documentation. Knows how to write secure code Implement unit tests and ensure code quality. Collaborate with the team to brainstorm and suggest technical improvements. (Optional) Apply basic Machine Learning concepts where relevant. Requirements: Solid training and hands-on project experience in Python. Familiarity with software development practices, lifecycle, and version control (e.g., Git). Knowledge of using debugger, logging etc Ability to write unit tests effectively. Basic understanding of ML concepts is a plus, but not mandatory. Strong problem-solving skills and a proactive attitude. Ready and open to learn new technology and flexible

Job Responsibilities: Should have a good understanding of Banking and NBFC sectors with respect to industry regulations, sector dynamics, fundamentals, and historical perspective. Should be able to analyze various facets of the industry such as credit growth, asset quality, funding sources, regulatory frameworks, portfolio analysis etc. and track performance of key banks and NBFCs on a regular basis. Working on new areas in the BFSI space to provide value added inputs to our clients. Continuously following and being updated on the evolving trends of economy and multiple industries apart from BFSI. Ability to use techniques such as primary/secondary research, company analysis, market analysis and financial analysis to create sharp and valuable perspectives. Analyse companys/sector’s operational and financial performance and be able to benchmark these against industry peers. Should have knowledge of writing research reports, visualization of market data and quick turnaround for tight timelines. Manage and/or work with other junior members, while working on multiple projects. (applicable for senior role)

JOB Role - Apprentice (Execution Team) Employment Type - One Year ( Contractual) Fixed Stipend - 12K ( Permonth) Qualification - B.com ( 2023, 2024 & 2025 passout only) Experience - Fresher Location - Kolkata ICRA Analytics Ltd, a wholly owned subsidiary of ICRA Ltd, a leading credit rating agency in India and an affiliate of Moodys Investors Service is looking for Apprentice Execution team. THE COMPANY ICRA Analytics have presence across Mumbai, NCR, Kolkata and Chennai and an array of offerings for domestic and global clients. 1. We offer knowledge process outsourcing services comprising automated data management and analytical support with high accuracy and quick turnaround to support the business needs of our clients. 2. We provide risk assessment services, including grading services for MSMEs and ESCOs as well as vendor and counter-party assessment tools and services. 3. We implement risk management solutions in credit risk, including internal rating models and expected credit loss for banks, NBFCs and other market participants. 4. We are a trusted provider of data, research and analytics on mutual fund, fixed income and other asset classes to fund managers, investors, lenders and intermediaries. 5. We offer consulting services, tools and solutions on early warning signals, enterprise risk management, risk modelling, portfolio analytics, fund ranking and implementation of regulatory standards to enable our clients to measure, manage and mitigate risks based on traditional as well as alternate data and insights derived from our proprietary models. We make extensive use of technology and leverage our domain expertise through process automation, building intelligent software, developing cloud-hosted solutions, deploying digital platforms for external and internal customers, etc. We are an ISO 9001:2015 and ISO 27001:2013 certified company, with strong focus on infosec and business continuity to ensure data security, availability, and integrity on 24*7 basis. We are a strong engaged team with diverse qualifications and skills across GAAP, IFRS, financial statement analysis and interpretation, credit risk modelling, financial asset and business valuation, fund research, ESG, structured finance, Python, R, .Net, SQL, Oracle, GIS, etc. We have executed more than 10,000 assignments over the last 20 years and add value to our clients by integrating our deep domain expertise with robust technology framework. Our goal is to provide offerings that are contemporary, and we continue to upgrade and supplement our repertoire with a demonstrated focus on continuous learning. Earning accolades for our services, we were recently awarded as the Top Exporter 2020-21 (ITES Less than 1000 million in FY21) and company with Highest Percentage of Women Employees 2020-21 (IT/ITES – Less than 1000 million in FY21) by STPI Export Awards, West Bengal. Job Title: Apprentice - Execution team Reporting to: Assistant Manager Location: Kolkata Academic Qualification: B. Com Job Responsibilities: Conceptualize and develop industry risk report Prepare industry risk reports as well as support the team in preparing reports. Conduct research and data analysis to assess industry risks, trends and challenges. Assist in preparing risk reports, collect and interpret data from various sources. Support client projects by providing data-driven risk assessment and industry benchmarking. Stay updated with industry regulations, economic changes and emerging risk trends. Also understanding of financial and economic indicators affecting industries Assist Grading execution team in spreading the financials (for Banks/NBFC/Proprietorship/ Partnership/LLP/Private Limited Companies) as well as support the team to gather the data from the client. Doing feedback calls and participation in Client Management Calls Prepare or update MIS reports. English Report writing skills. Job Skills Required: Good communication and skills Moderate Business knowledge Moderate idea of Excel & Word Other skill Requirements: Good ideation and analytical skills Information Security Responsibility - Maintain Confidentiality and Integrity of organization information. Report Security Breaches immediately to CISO Compensation: per Company pay-scale

Key Responsibilities: Design, develop, and maintain applications using MS SQL. Manage and optimize MS SQL databases, ensuring data integrity and performance. Write complex SQL queries to retrieve and manipulate data. Design and implement relational database management systems (RDBMS). Develop and maintain stored procedures, functions, and triggers. Collaborate with other developers, designers, etc. Analyze user needs and software requirements to determine feasibility of design within time constraints. Optimize applications for maximum speed and scalability. Document and maintain software functionality. Required Skills/Abilities: Strong understanding of SQL and database design principles. Experience with writing SQL queries, designing RDBMS, and developing stored procedures and functions. Excellent problem-solving skills and attention to detail. Knowing how to Design, develop, and maintain applications using Python - Added Advantage Able to write efficient, reusable, and reliable Python code - Added Advantage Ability to work independently and as part of a team. Strong communication skills

Job Description: We are looking for a talented and highly motivated individuals interested to make a career in area of Structured Finance (CLO/CDO products). Under CDO modelling, with the help of client provided information (e.g., prospectus and other documents), we develop and maintain waterfall models for CLO/CDO deals using Client Application. As we model both assets (collateral) and liabilities (tranches) along with different type of tests (quality, coverage etc.), it helps collateral managers to monitor the health of underlying collaterals through their generated cashflows as well as stakeholders to analyze current and future cashflows and perform different downstream analysis to take better investment decisions. Key Responsibilities: The candidate should be committed to achieve team goals and take complete responsibility of accuracy and timelines and should communicate any issues promptly. Understand and model CLO/CDO transactions. Write queries to report issues to the Client. Maintenance of log and timesheets. Ensure customer satisfaction by meeting SLAs in terms of quality and turnaround time. Be open to new assignments or ready to assist as required by client/team. Key Skills Required: Good communication, writing and presentation skill. Working knowledge of securitization/structured products. Proficient in Microsoft Excel. Demonstrated initiative, enthusiasm, and ability to learn quickly and excel as part of a dynamic team. Attention to detail and ability to work and learn independently. Quantitative skills and analytical problem-solving ability. Professional, pro-active, flexible, diligent and dependable.

Position - Financial Analyst fresher Qualification - M.com ( 2024 pass outs only) Experience - 0 - 1 years Location - Kolkata Notice Period - Immediate Joiners Only ICRA Analytics Ltd, a wholly owned subsidiary of ICRA Ltd, a leading credit rating agency in India and an affiliate of Moodys Investors Service. THE COMPANY ICRA Analytics have presence across Mumbai, NCR, Kolkata and Chennai and an array of offerings for domestic and global clients. 1.We offer knowledge process outsourcing services comprising automated data management and analytical support with high accuracy and quick turnaround to support the business needs of our clients. 2.we provide risk assessment services, including grading services for MSMEs and ESCOs as well as vendor and counter-party assessment tools and services. 3. We implement risk management solutions in credit risk, including internal rating models and expected credit loss for banks, NBFCs and other market participants. 4.We are a trusted provider of data, research and analytics on mutual fund, fixed income and other asset classes to fund managers, investors, lenders and intermediaries. 5.We offer consulting services, tools and solutions on early warning signals, enterprise risk management, risk modelling, portfolio analytics, fund ranking and implementation of regulatory standards to enable our clients to measure, manage and mitigate risks based on traditional as well as alternate data and insights derived from our proprietary models. We make extensive use of technology and leverage our domain expertise through process automation, building intelligent software, developing cloud-hosted solutions, deploying digital platforms for external and internal customers, etc. We are an ISO 9001:2015 and ISO 27001:2013 certified company, with strong focus on infosec and business continuity to ensure data security, availability, and integrity on 24*7 basis. We are a strong engaged team with diverse qualifications and skills across GAAP, IFRS, financial statement analysis and interpretation, credit risk modelling, financial asset and business valuation, fund research, ESG, structured finance, Python, R, .Net, SQL, Oracle, GIS, etc. We have executed more than 10,000 assignments over the last 20 years and add value to our clients by integrating our deep domain expertise with robust technology framework. Our goal is to provide offerings that are contemporary, and we continue to upgrade and supplement our repertoire with a demonstrated focus on continuous learning. Earning accolades for our services, we were recently awarded as the Top Exporter 2020-21 (ITES Less than 1000 million in FY21) and company with Highest Percentage of Women Employees 2020-21 (IT/ITES Less than 1000 million in FY21) by STPI Export Awards, West Bengal. Senior Associate (Junior Level) Job Description: The role is of a financial analyst. The role will involve populating and analysis of financial information from entity reports. Undertake accounting and any other relevant adjustments to the data as per project requirements. Perform data mapping for automation. Review data populated manually or through automation tools. Undertake data validation and quality checking on multiple applications as per project requirements. Analysis of financial reports for data interpretation and client decision support mechanisms. Key Responsibilities: Deliver timely and error-free output Maintain logs and records as per project specifications Ability to perform standard/non-standard accounting computations Analyze financial reports for interpretation Ability to make routine decisions in accordance with project requirements Qualifications/Experience Required M. Com Preferably fresher Key Skills Required Strong, proven quantitative and analytical skills Reasonable knowledge of accounting principles and procedures. Reasonable ability to utilize current word processing, spreadsheet, database, e-mail and Internet software. Excellent communication skills both written and verbal. Behavioral traits and outcome-oriented focus and ability to work well in a team Highly organized and efficient, with an ability to multi-task and meet deadlines Technical Skills Required Expertise in MS Excel. Should be well versed with MS Excel function groups Information Security Responsibility Maintain Confidentiality and Integrity of organization information. Report Security Breaches immediately to CISO. Personal Attributes Attention to detail Hardworking and motivated Organized and efficient Responsible, dedicated, disciplined Target-oriented Good communication skills Ability to adapt and work in a team. Please share your cvs at (swata.ganguly-non-empl@icraanalytics.com)

Job Role - Market Data Apprentice ( Freshers Only) Qualification - B.com ( 2022 , 2023 & 2024 passouts only) Ducation - 12 months ( Contractual) Stipend - 12000 per months Location - Kolkata ( Sector V) ICRA Analytics Ltd, a wholly owned subsidiary of ICRA Ltd, a leading credit rating agency in India and an affiliate of Moodys Investors Service is looking for Apprentices. THE COMPANY ICRA Analytics is a Great Place to Work certified company with presence across Mumbai, NCR, Kolkata and Chennai and an array of offerings for domestic and global clients. 1. We offer knowledge process outsourcing services comprising automated data management and analytical support with high accuracy and quick turnaround to support the business needs of our clients. 2. We provide risk assessment services, including grading services for MSMEs and ESCOs as well as vendor and counter-party assessment tools and services. 3. We implement risk management solutions in credit risk, including internal rating models and expected credit loss for banks, NBFCs and other market participants. 4. We are a trusted provider of data, research and analytics on mutual fund, fixed income and other asset classes to fund managers, investors, lenders and intermediaries. 5. We offer consulting services, tools and solutions on early warning signals, enterprise risk management, risk modelling, portfolio analytics, fund ranking and implementation of regulatory standards to enable our clients to measure, manage and mitigate risks based on traditional as well as alternate data and insights derived from our proprietary models. We make extensive use of technology and leverage our domain expertise through process automation, building intelligent software, developing cloud-hosted solutions, deploying digital platforms for external and internal customers, etc. We are an ISO 9001:2015 and ISO 27001:2013 certified company, with strong focus on infosec and business continuity to ensure data security, availability, and integrity on 24*7 basis. We are a strong engaged team with diverse qualifications and skills across GAAP, IFRS, financial statement analysis and interpretation, credit risk modelling, financial asset and business valuation, fund research, ESG, structured finance, Python, R, .Net, SQL, Oracle, GIS, etc. We have executed more than 10,000 assignments over the last 20 years and add value to our clients by integrating our deep domain expertise with robust technology framework. Our goal is to provide offerings that are contemporary, and we continue to upgrade and supplement our repertoire with a demonstrated focus on continuous learning. Earning accolades for our services, we were recently awarded as the Top Exporter 2020-21 (ITES Less than 1000 million in FY21) and company with Highest Percentage of Women Employees 2020-21 (IT/ITES Less than 1000 million in FY21) by STPI Export Awards, West Bengal. Location: Kolkata Job Description Build understanding of the Market Data business vertical of ICRA Analytics Ltd. General understanding of Mutual Funds and Financial markets o What is financial market Types of mutual fund Importance of mutual fund in financial market Benefits and function of mutual fund Understand the Quality Assurance plan Quality Assurance Plan (QAP) is used to define the criteria and processes that will ensure and verify that data meet specific data-quality objectives throughout the Data Lifecycle. Understand the ETL tool: ETL, which stands for extract, transform and load, is a data integration process that combines data from multiple data sources into a single, consistent data store that is loaded into a data warehouse or other target system. Build advanced excel skills o Organise and Clean your Data in Excel. o Present your Excel Data with Interactive Graphs and Charts. o Look Up Values using VLOOKUP, HLOOKUP, and XLOOKUP. o Protect Your Cells and Worksheets ¢ Build understanding of benefits of automation Automation makes a big impact on the overall efficiency of your organization in different ways, such as: o Efficiency and Productivity o Cost Savings and Compliance o Reduced Errors and Customer Satisfaction. o Increasing Employee Satisfaction and Retention ¢ Learning email etiquettes o Rules for email etiquette and proofread every email you send o Write your email before entering the recipient email address o Double check you have the correct recipient o Ensure you CC all relevant recipients o You don't always have to "reply all" o Reply to your emails and include a signature block Please share your cv at (swata.ganguly-non-empl@icraanalytics.com)