4 Identify Risks Jobs

Role Overview: As a Credit Appraiser, your main responsibility will be to evaluate the creditworthiness of individuals, businesses, or other entities applying for loans or financial services. This involves analyzing financial documents, assessing risk factors, and making informed decisions on credit applications. You will need to ensure that the organization's credit policies and risk management strategies are followed while balancing the need to extend credit with the need to minimize potential defaults. Key Responsibilities: - Conduct detailed analysis of financial data, including income statements, balance sheets, cash flow, and tax returns to assess the applicant's financial health and stability. - Prepare comprehensive credit reports and recommend approval, denial, or modification of credit terms. - Utilize credit scoring models, risk assessment tools, and other software to evaluate applicants. - Stay updated on credit scoring methods and financial products for accurate decision-making. - Identify and mitigate potential risks associated with extending credit by considering economic conditions, industry trends, and the applicant's credit history. - Ensure adherence to all applicable laws, regulations, and internal policies regarding credit appraisal and lending practices. - Communicate credit decisions clearly and professionally to clients, brokers, and relevant internal departments. Qualifications: - A Bachelor's degree in finance, accounting, business, economics, or a related field is typically required. - Advanced degrees or certifications in credit analysis or financial risk management are a plus. - At least 3 years of experience in credit appraisal, credit analysis, or a related field, preferably in banking, commercial lending, or consumer finance. - Strong analytical skills and ability to interpret financial statements. - Familiarity with credit scoring systems and risk assessment models. - Knowledge of lending regulations and compliance requirements. - Proficiency in credit appraisal software and financial tools. - Strong attention to detail and accuracy in financial analysis. - Effective communication skills, both written and verbal. - Ability to work under pressure and make decisions in a timely manner. - Good problem-solving skills and ability to identify risks and opportunities. - Certifications such as Chartered Financial Analyst (CFA), Certified Credit Professional (CCP), or similar may be beneficial.,

The Credit Appraiser role involves evaluating the creditworthiness of individuals, businesses, or entities applying for loans or financial services. This position requires analyzing financial documents, assessing risk factors, and making informed decisions on credit applications. Key responsibilities include conducting detailed financial analysis, preparing credit reports, utilizing credit scoring models, and mitigating risks associated with extending credit. Compliance with laws and regulations, effective communication of credit decisions, and adherence to internal policies are crucial aspects of the role. To qualify for this position, candidates typically need a Bachelor's degree in finance, accounting, business, economics, or a related field. Advanced degrees or certifications in credit analysis or financial risk management are advantageous. A minimum of 3 years of experience in credit appraisal or a related field, preferably in sectors like banking or commercial lending, is preferred. Strong analytical skills, familiarity with credit scoring systems, knowledge of lending regulations, proficiency in financial tools, attention to detail, effective communication, and the ability to work under pressure are essential for success in this role. Optional certifications such as Chartered Financial Analyst (CFA) or Certified Credit Professional (CCP) may provide additional benefits.,

As an IT OTC Business Systems Analyst, you will play a crucial role as a liaison between the Order to Collect team, business stakeholders, and the IT department. Your primary responsibility will be to translate business requirements into functional specifications, design and develop solutions, test them rigorously, and deploy them into production. Your expertise will be instrumental in building solutions to support business processes and data flows, with a particular focus on troubleshooting platform issues effectively. This role entails close collaboration with various departments, business partners, and executives in OTC, Security, IT, and HR. Your key responsibilities will encompass various areas such as Customer Contracts, Billing, Collections, Customer Invoices, Settlements, OTC Period close activities, and scenarios related to Billing Operations. You will also be involved in partnering with other business application owners to ensure seamless business automation and data management processes. Additionally, you will serve as a subject matter expert in driving industry best practices for the evolution of the company's OTC Business users and contribute to the IT Roadmap. Furthermore, you will be tasked with leading discussions and investigations regarding Workday features and functionality, providing recommendations for process improvements, and keeping application users informed about system enhancements. Your role will involve designing and implementing enterprise IT projects within the Workday ecosystem, including gathering requirements, developing design documents, managing communications, and overseeing the change process for platform updates. To excel in this role, you should hold a Bachelor's degree, preferably with a focus on Information Systems or Computer Science, or possess equivalent experience. A minimum of 10+ years of direct experience in IT OTC Implementations or Operations as a Business Systems Analyst is required, with a strong preference for candidates with Workday systems knowledge. In the absence of Workday expertise, exceptional knowledge of OTC in Oracle Apps, Peoplesoft, or SAP will also be considered. Your qualifications should include experience in integrating custom or third-party applications with Workday or other ERPs, excellent written and verbal communication skills, attention to detail, adaptability to changing requirements, and a commitment to delivering high-quality customer service. You should demonstrate strong leadership, collaboration skills, and the ability to work both independently and as part of a team, engaging with stakeholders at all organizational levels.,

Location: Vadodara (PAN INDIA must be willing to travel) 1. Follow and enforce safety rules at worksites. 2. Identify risks (HIRA) and prepare Job Safety Analysis (JSA). 3. Train workers on safety procedures and use of PPE. 4. Maintain records and safety reports. 5. Inspect and maintain fire extinguishers, eye protection, and other safety gear. 6. Investigate accidents and take action to prevent future risks. 7. Travel to different project sites across India. Skills Required: 1. Good knowledge of safety laws and standards (e.g., ISO 45001, OSHA). 2. Practical experience in HIRA, JSA, and documentation. 3. Problem-solving and communication skills. 4. Ability to work independently at various sites.