Backend Intern FinacPlus provide virtual business process services to overseas clients and this position is to be part of the dedicated team which provides mortgage back-office services and software product development to Toorak Capital Partners https://www.toorakcapital.com/ from Mortgage Finance Industry. About Toorak Capital Toorak Capital Partners is an integrated lending platform that funds small business purpose residential, multifamily and mixed-use loans throughout the U.S. and the United Kingdom. Headquartered in Summit, N.J., Toorak Capital Partners acquires and manages loans directly from private lenders that originate high credit quality loans. RESPONSIBILITIES  To Work as Backend Developer in developing Cloud Based Web Applications  To be part of team working on various types of web applications related to Mortgage Finance.  Experience in solving a real-world problem of Implementing, Designing and helping develop a new Enterprise class Product from ground-up.  You have expertise in the AWS Cloud Infrastructure and Micro-services architecture around the AWS Service stack like Lambdas, SQS, SNS, MySQL Databases along with Dockers and containerized solutions/applications.  Experienced in Relational and No-SQL databases and scalable design.  Experience in solving challenging problems by developing elegant, maintainable code.  Delivered rapid iterations of software based on user feedback and metrics.  Help the team make key decisions on our product and technology direction.  You actively contribute to the adoption of frameworks, standards, and new technologies. QUALIFICATIONS AND EXPERIENCE  Node.js & React experience is must.  Worked on a couple of large-scale products delivered on microservices.  Strong design skills on microservices and AWS platform infrastructure.  Excellent programming skill in Python, Node.js and Java.  Hands on development in rest API’s.  Good understanding of nuances of distributed systems, scalability, and availability. Location: Bangalore Role: 6 months internship with Rs.50000 Stipend per month. Convertible to Fulltime based on Performance during Internship Timings: 11am To 8pm IST Show more Show less

About ZainCash: ZainCash Iraq is a leading mobile wallet in Iraq and recognized as Forbes top Fintech company of 2023 and 2024 as well as GSMA's Best Mobile Innovation Supporting Humanitarian Situations. The company offers a range of consumer and business services including local and international money transfer, bill payments, companion payment cards, payroll, aid disbursement, and more. For more information, please visit www.zaincash.iq. Job summary: The Temenos Core Banking System Manager is responsible for overseeing the end-to-end management, configuration, maintenance, and strategic development of the Temenos T24 (Transact) core banking platform. This role ensures optimal system performance, secure operations, and alignment with evolving business needs, while leading a team of application specialists and collaborating with vendors and internal stakeholders. Roles: System Management & Maintenance Administer, maintain, and optimize Temenos T24/Transact modules (e.g., AA, Funds Transfer, Payments, CRM, Lending, etc.) Ensure performance tuning, job scheduling (COB), and routine system health checks Manage upgrades, patching, parameter configuration, and release deployments Coordinate with infrastructure and DBA teams on system integration and performance Project Implementation & Support Lead core banking-related projects including new module rollout, version upgrades, and integrations Collaborate with business units to gather requirements and translate them into functional specifications Oversee UAT, SIT, and deployment activities in coordination with QA and DevOps teams Security & Compliance Ensure system configurations meet information security standards (e.g., ISO 27001, PCI DSS) Maintain access control, transaction logging, and system parameter integrity Support internal/external audits and ensure compliance with regulatory requirements Vendor & Stakeholder Management Serve as the primary liaison with Temenos support, local consultants, and third-party vendors Manage SLAs, licensing, incident escalation, and product roadmap discussions Reporting & Monitoring Oversee reporting capabilities using T24 data (via TAFJ, TAFC, or third-party BI tools) Monitor COB execution, transaction processing performance, and user activity Team Leadership Manage a team of core banking system analysts and support staff Conduct training and mentoring sessions for junior team members and business users Requirements Education Bachelor's or Master's degree in Computer Science, Information Systems, or related field Experience Minimum 7-10 years in core banking, with 5+ years on Temenos T24/Transact platform Temenos Knowledge Strong understanding of T24 architecture, COB, AA, OFS, TAFC/TAFJ, interfaces, and IRIS Other Skills Experience in Unix/Linux , jBase , Oracle/SQL , Temenos upgrades/migrations Certifications (Preferred) Temenos Certified Professional, PMP, ITIL, ISO 27001 Skills & Competencies: In-depth knowledge of banking operations and digital channels Excellent analytical and problem-solving skills Strong vendor and project management capabilities Excellent communication and stakeholder engagement Ability to work under pressure and manage multiple priorities Benefits Work Modality: Work is based in Baghdad an home based of the selected candidate Show more Show less

We are seeking a dynamic and experienced Senior Digital Marketing Manager to lead and execute the digital marketing strategy for CreditMitra. The ideal candidate will be responsible for driving customer acquisition, engagement, and retention through targeted campaigns, innovative strategies, and data-driven insights. Responsibilities Develop and execute comprehensive digital marketing strategies aligned with CreditMitra's business objectives. Drive online campaigns to promote lending products and increase brand visibility. Manage paid campaigns across platforms like Google Ads, Facebook, Instagram, LinkedIn, and other digital channels. Optimize ad spending to maximize ROI, CTR, and lead generation. Oversee SEO strategies to improve organic traffic and search engine rankings. Conduct keyword research, on-page and off-page optimization. Plan and oversee the creation of engaging content, including blogs, email campaigns, social media posts, and infographics. Collaborate with the design team to produce impactful creatives. Manage and grow CreditMitra's presence on social platforms. Create and execute social media campaigns to engage the target audience. Monitor, analyze, and report on the performance of marketing campaigns. Use insights from data to optimize strategies and drive growth. Work with external agencies, partners, and affiliates to enhance marketing efforts. Coordinate with product and Business teams to align marketing with business objectives. Requirements 6+ years in digital marketing, preferably in fintech, banking, or lending sectors. Bachelor's degree in Marketing, Business, or a related field (MBA preferred). Proficient in Google Analytics, Ads Manager, SEO tools, and CRM platforms. Strong understanding of performance marketing, growth hacking, and conversion optimization. Ability to ideate and execute an impactful marketing campaign. Data-driven approach with a knack for measuring and improving marketing performance. This job was posted by Murthy Balaji from CreditMitra. Show more Show less

Job Requirements Role/ Job Title : Branch Manager-Micro Business Loan Function/ Department : Micro Business Loans Job Purpose The role entails scaling up the business for the Micro Business Loan lending for a designated area by delivering banking needs to the customers in the most cost efficient and technology effective manner. Role will closely collaborate with Retail team for same. This role encapsulates the responsibility of providing a seamless and fulfilling customer experience and ensuring IDFC First becomes the primary bank for all banking needs. Roles & Responsibilities Target and Manpower planning for the branch. Ensure recruitment and training of manpower – Sales Manager/Branch sales manager & branch credit and collection manager and feet on street. Will be responsible for meeting disbursements targets month on month. Identifying business clusters with high potential and execute penetration strategies. Tracking and improving Manpower Productivity at all levels. Monitoring and mentoring the branch team. Keeping a regular track of competition and reporting new products / market developments to upstream. Managing product mix and branch profitability. Managing the bucket collection and overall portfolio management. Managing internal and external audit compliance. Education Qualification Graduation: Any graduate Experience : 5-10 years of relevant experience Show more Show less

Job Requirements Job Requirements Role/Job Title: Sales Manager - Gold Loan Function/ Department: Gold Loan Job Purpose The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch. Roles & Responsibilities Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers. Existing liability customers are pitched for gold loans. Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch. Fee Income should be Minimum 1% of total disbursals. Customer Follow ups to be done at regular intervals for timely renewal of cases to ensure Minimum renewal pending cases. Co-ordination with valuers to be done time to time basis. Ensure most of the customers are aligned to pay valuation charges as per product norms. Ensuring healthy collections with Nil First equated monthly instalment / First presentation Default and minimizing fresh flow in Bucket X. PSL (Priority sector lending) Tagging and should be aware about PSL norms. Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening. Conduct Marketing activities in the local market for generating NTB gold loan customers. Willingness to work extensively in the field and travel across the region on short notice. Carrying out ad-hoc activities as per the requirement of the department. Proficient in MS - Word /Excel and power point Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation. Education Qualification Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science. Post-graduation: MBA. Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products Show more Show less

Neokred is a FinTech company based in Bangalore and an ISO 9001 | 27001, 27701 & 20000-1 certified firm in Information and Data Security. The company builds Consumer Tech for Financial Infrastructure stack to provide curated versions of embedded banking in the payment ecosystem. We've created a platform which enables Corporates, Banks, FinTechs, Retail Companies, and Start-ups to launch their own banking services or financial products, such as payment solutions, facilitating lending, virtual bank accounts, KYC and digital profiling for their customers or employees with the help of low code plug and play technology stack. BRIEF DESCRIPTION OF THE ROLE: The Senior Accounts Executive will act as the primary liaison between the Finance team of the India office and the Accounting team based in Dubai. The role requires strong coordination, ledger management, and problem-solving skills to ensure smooth and timely accounting operations. This person will be the single point of contact representing the Indian finance team and supporting all finance and accounting tasks in real time. Your KRAs will include the following: Act as the main point of contact between the Indian Finance team and the Dubai Accounting team. Review and reconcile Accounts Receivable (AR) and Accounts Payable (AP) on a regular basis. Share fully reconciled ledgers with the Dubai Accounting team to enable timely posting of entries in the books of accounts. Support the preparation of MIS reports, financial summaries, and month-end schedules as needed. Act as the primary contact for auditors during financial, statutory, and internal audits. Coordinate with different departments to gather required audit information and documentation. Address and resolve audit queries promptly by providing accurate data and explanations Maintain a tracker for all audit queries, resolutions, and supporting communication for future reference. Ensure timely preparation and availability of schedules, ledgers, and reconciliations required during internal and external audits. Maintain and keep a record of merchant-wise summary sheets and ensure they are matched and reconciled with Tally records, specifically tailored for a fintech-based company. Handle and Maintain Fixed Assets Register for Accounting purposes. YOU SHOULD POSSESS: Bachelor’s degree in Accounting, Finance, or a related field (Master’s or semi-qualified CA is an advantage). 3 to 5 years of experience in accounts coordination, reconciliation, or finance operations. Proficient in MS Excel and accounting software (Tally, Zoho, or equivalent). Strong communication and interpersonal skills to handle cross-border coordination. High attention to detail and ability to handle large volumes of data and reconciliation tasks. Ability to work independently and resolve accounting queries promptly. Knowledge of GST and TDS is must. Show more Show less

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To give effective credit support for meeting the business targets To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India To approve credit applications as per DOA judiciously Ensuring that quality of Bank’s exposure in India is acceptable at all time Provide guidance to the team of relationship managers on areas of policy and processes Key Accountabilities Underwiring the files as per laid down policy and process and other controls, etc for CLAP business To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product Vendor Management (Legal, Technical and others if applicable) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same Job Duties And Responsibilities Set up policy / processes for CLAP Approve Mortgage applications for his respective branch / location / region Portfolio monitoring / tracking & escalation of adverse new events in the portfolio Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines Ensure compliance with the benchmark Turnaround Time Ensure proper guidance / support to the team of relationship managers. Ensure processing of files within agreed timelines Requirements Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers) Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc along with sound domain knowledge of the mortgages business and market Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of the industry Technical Competencies Sound knowledge of policies / lending frameworks followed for this product Good knowledge of credit evaluation methods, tools & techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general Knowledge of various banking products and risks associated with them Adequate local knowledge of properties for cities in which he operates Work Relationship Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies. Primary Location India-Tamil Nadu-Bye-Pass Road, Madurai Job Risk Management Schedule Regular Job Type Full-time Job Posting Jun 16, 2025, 7:00:35 PM Show more Show less

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To give effective credit support for meeting the business targets To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India To approve credit applications as per DOA judiciously Ensuring that quality of Bank’s exposure in India is acceptable at all time Provide guidance to the team of relationship managers on areas of policy and processes Key Accountabilities Underwiring the files as per laid down policy and process and other controls, etc for CLAP business To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product Vendor Management (Legal, Technical and others if applicable) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same Job Duties And Responsibilities Set up policy / processes for CLAP Approve Mortgage applications for his respective branch / location / region Portfolio monitoring / tracking & escalation of adverse new events in the portfolio Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines Ensure compliance with the benchmark Turnaround Time Ensure proper guidance / support to the team of relationship managers. Ensure processing of files within agreed timelines Requirements Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers) Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc along with sound domain knowledge of the mortgages business and market Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of the industry Technical Competencies Sound knowledge of policies / lending frameworks followed for this product Good knowledge of credit evaluation methods, tools & techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general Knowledge of various banking products and risks associated with them Adequate local knowledge of properties for cities in which he operates Work Relationship Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies. Primary Location India-Karnataka-Davanagere Job Risk Management Schedule Regular Job Type Full-time Job Posting Jun 16, 2025, 6:02:49 PM Show more Show less

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To give effective credit support for meeting the business targets To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India To approve credit applications as per DOA judiciously Ensuring that quality of Bank’s exposure in India is acceptable at all time Provide guidance to the team of relationship managers on areas of policy and processes Key Accountabilities Underwiring the files as per laid down policy and process and other controls, etc for CLAP business To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product Vendor Management (Legal, Technical and others if applicable) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same Job Duties And Responsibilities Set up policy / processes for CLAP Approve Mortgage applications for his respective branch / location / region Portfolio monitoring / tracking & escalation of adverse new events in the portfolio Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines Ensure compliance with the benchmark Turnaround Time Ensure proper guidance / support to the team of relationship managers. Ensure processing of files within agreed timelines Requirements Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers) Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc along with sound domain knowledge of the mortgages business and market Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of the industry Technical Competencies Sound knowledge of policies / lending frameworks followed for this product Good knowledge of credit evaluation methods, tools & techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general Knowledge of various banking products and risks associated with them Adequate local knowledge of properties for cities in which he operates Work Relationship Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies. Primary Location India-Tamil Nadu-Nagercoil Job Risk Management Schedule Regular Job Type Full-time Job Posting Jun 16, 2025, 7:04:47 PM Show more Show less

Business Function As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you. Job Purpose Job starts with recruitment of manpower and training them on Consumer LAP business. Catchment mapping to each of the DST’s is an important activity. Ensure productivity from DST’s and drive Consumer LAP business from Branch Banking channel. Also responsible for cross selling to the existing base and cross selling other bank products to the new customers. Sales manager is also responsible for Consumer LAP P & L of all the branches assigned to him/her. Key Accountabilities Recruitment & Training of Manpower Handholding the DST’s & Driving the productivity Catchment mapping & Marketing Activities Achievement of Annual Operating Plan for both DST’s & Branches Ensure Profitability of Consumer LAP Business Responsible for Portfolio Quality Job Duties & Responsibilities Ensure Manpower against Budgeted numbers Ensure every DST to follow the sales process Ensure DST’s does regular marketing activities and participates in the traders/association meetings in the given catchment Closely work with branch banking team and attend the branch leads Work with DST’s and customer visits Ensure all corporate office initiatives are being implemented Requirement 5-10 Years of experience in sourcing Business Loans / Loan against property / MSME business At least 3 – 5 years of experience in team handling Graduation / Post Graduation Sales / Business Development Leadership skills Ability to lead team Relationship management Team Development Strategy and Planning Resource Allocation Banking knowledge Computer Skills and digital knowledge Good network in the market Team Player Self Motivated Apply Now We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. Primary Location India-Tamil Nadu-Kodambakkam, Chennai Job Product Sales Schedule Regular Job Type Full-time Job Posting Jun 16, 2025, 10:30:00 AM Show more Show less

Risk Management Group works closely with our business partners to manage the bank’s risk exposure by balancing its objective to maximise returns against an acceptable risk profile. We partner with origination teams to provide financing, investments and hedging opportunities to our customers. To manage risk effectively and run a successful business, we invest significantly in our people and infrastructure. Job Purpose To give effective credit support for meeting the business targets To frame the lending policy framework, processes and workflow, assist in setting up the mortgages business in India To approve credit applications as per DOA judiciously Ensuring that quality of Bank’s exposure in India is acceptable at all time Provide guidance to the team of relationship managers on areas of policy and processes Key Accountabilities Underwiring the files as per laid down policy and process and other controls, etc for CLAP business To recommend / approve credit applications in line with agreed process workflows and policies after highlighting / considering all significant risks To keep track of delinquency levels and ensuring that requisite follow up is being done to ensure that overdues are regularised in a time bound manner To have a sound knowledge of the respective market especially C-LAP customer segment in terms of risks associated with this product Vendor Management (Legal, Technical and others if applicable) To apply knowledge of RBI Regulations/ MAS Guidelines that govern credit dispensation, including the Loan Grading, Provisioning and Asset Classification regulations To have a working knowledge of the general Legal framework in which the bank operates in India and apply the same Job Duties And Responsibilities Set up policy / processes for CLAP Approve Mortgage applications for his respective branch / location / region Portfolio monitoring / tracking & escalation of adverse new events in the portfolio Ensure meticulous compliance with Bank’s internal credit policy as well as regulatory guidelines Ensure compliance with the benchmark Turnaround Time Ensure proper guidance / support to the team of relationship managers. Ensure processing of files within agreed timelines Requirements Six to ten years of experience in mortgages in Consumer Banking (preferably lending to MSME customers) Professional qualification, graduate or post graduate degree, preferably in business, accountancy, economics, finance etc along with sound domain knowledge of the mortgages business and market Core Competencies Good analytical skills Good presentation skills Good interpersonal skills Good knowledge of the industry Technical Competencies Sound knowledge of policies / lending frameworks followed for this product Good knowledge of credit evaluation methods, tools & techniques Sound understanding of regulatory guidelines on credit issued by RBI (local regulations in India), MAS and local laws and regulations that impact businesses in general Knowledge of various banking products and risks associated with them Adequate local knowledge of properties for cities in which he operates Work Relationship Good working relationship with Consumer Banking Relationship team, Consumer Operations, other product teams, RBI inspectors, regulators, and other external agencies. Primary Location India-Tamil Nadu-Regional Office Coimbatore Job Risk Management Schedule Regular Job Type Full-time Job Posting Jun 16, 2025, 6:57:44 PM Show more Show less

Job Requirements Job Requirements Role/Job Title: Sales Manager - Gold Loan Function/ Department: Gold Loan Job Purpose The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch. Roles & Responsibilities Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers. Existing liability customers are pitched for gold loans. Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch. Fee Income should be Minimum 1% of total disbursals. Customer Follow ups to be done at regular intervals for timely renewal of cases to ensure Minimum renewal pending cases. Co-ordination with valuers to be done time to time basis. Ensure most of the customers are aligned to pay valuation charges as per product norms. Ensuring healthy collections with Nil First equated monthly instalment / First presentation Default and minimizing fresh flow in Bucket X. PSL (Priority sector lending) Tagging and should be aware about PSL norms. Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening. Conduct Marketing activities in the local market for generating NTB gold loan customers. Willingness to work extensively in the field and travel across the region on short notice. Carrying out ad-hoc activities as per the requirement of the department. Proficient in MS - Word /Excel and power point Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation. Education Qualification Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science. Post-graduation: MBA. Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products Show more Show less

Job Requirements Job Requirements Role/Job Title: Sales Manager - Gold Loan Function/ Department: Gold Loan Job Purpose The role entails the responsibility of generating gold loan business through different channels. It includes administering and training a team of Direct Selling Teams to expand gold loan business in that locality/branch. Roles & Responsibilities Ensuring Monthly Sales targets are meet with acquisition in NTB (New to Bank) and ETB (Existing to Bank) customers. Existing liability customers are pitched for gold loans. Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch. Fee Income should be Minimum 1% of total disbursals. Customer Follow ups to be done at regular intervals for timely renewal of cases to ensure Minimum renewal pending cases. Co-ordination with valuers to be done time to time basis. Ensure most of the customers are aligned to pay valuation charges as per product norms. Ensuring healthy collections with Nil First equated monthly instalment / First presentation Default and minimizing fresh flow in Bucket X. PSL (Priority sector lending) Tagging and should be aware about PSL norms. Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening. Conduct Marketing activities in the local market for generating NTB gold loan customers. Willingness to work extensively in the field and travel across the region on short notice. Carrying out ad-hoc activities as per the requirement of the department. Proficient in MS - Word /Excel and power point Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situation. Education Qualification Graduation: Bachelor’s in Engineering / Technology / Management/ Computers/Science. Post-graduation: MBA. Experience: 2-10 year of experience in retail banking, preferably with exposure to lending products Show more Show less

About PhonePe Group: PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services. Culture At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right environment for you is just one of the things we do. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us! Job Description Industry: Payment Aggregator / Financial Services Functional Area: Financial Services, Payments Role: AM/Manager Reporting to : Senior Manager Legal Key Skills: Drafting, Vetting, and Negotiating Agreements, providing Legal Advice, Structuring, Risk Identification, Risk Management Experience: Minimum 8+ years’ experience, including experience in Financial Services/ FinTech/ Payments. Education : University Degree in law with relevant subject matter expertise related to finance, corporate law etc. A master’s degree in law from foreign jurisdiction UK/ Singapore will be an additional advantage. Location: Bangalore PRIMARY RESPONSIBILITIES : Business Drafting, negotiating and closure of contracts with the external clients, and help the business in execution of the same. Ensure provision of legal advice in framing/ review of policies, and on all documents, contracts and agreements relating to the payments/ financial services business to protect the organization against any legal exposure and to minimize liability. Scan the regulatory environment, identify, interpret and analyze existing and new legislations/ amendments and notifications that may impact business; bring to the notice of the appropriate internal functions about their implications and applicability as required. Advise and assist all stakeholders including Compliance and Business on both, ongoing legal risks and anticipated/ new legal risks arising by virtue of new laws or regulations. Internal process Adhere to timelines in reviewing and vetting all official communications and documentations including all agreements. Follow up with internal stakeholders, including business leads, for time bound closure of agreements; provide advice in course corrections; escalate when required. Monitor the timelines for submission of applications pertaining to licences (new and renewals) to regulatory authorities and ensure timely escalation where required. Learning Maintain a database on applicable laws comprising FAQs, dos and don’ts as a ready reference. Keep a track on the latest laws and notifications (including all notifications issued by the RBI), and proactively advise the management and business about such laws/ amendments and its implication on business, and accordingly suggest changes in process/ procedure. PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog. Life at PhonePe PhonePe in the news Show more Show less

Job Purpose: To manage and grow the gold loan portfolio by ensuring smooth processing of gold loans, excellent customer service, and strict adherence to quality, compliance, and security standards. Key Responsibilities: 1. Gold Loan Processing: Handle end-to-end processing of gold loans, including appraisal, documentation, disbursement, and closure. Work closely with the Gold Appraiser to verify the purity, weight, and authenticity of pledged gold ornaments. Ensure timely and accurate entry of loan data into the system. 2. Customer Service & Relationship Management: Greet and assist customers courteously and professionally. Educate customers on gold loan schemes, interest rates, terms, repayment options, and documentation requirements. Address queries, resolve complaints, and follow up on customer satisfaction. 3. Business Generation & Portfolio Growth: Meet assigned individual and branch targets for gold loan disbursement. Conduct field visits, local marketing, and awareness campaigns to generate leads. Build relationships with local customers, traders, and agents for repeat business and referrals. 4. Documentation & Compliance: Collect and verify all necessary documents (KYC, loan application, etc.). Ensure all transactions are carried out in compliance with company policy and regulatory guidelines (RBI/AML/KYC). Maintain up-to-date loan files and registers. 5. Repayment Follow-up & Recovery: Monitor due dates and ensure timely interest collection and loan repayments. Follow up with customers for renewal or repayment of loans. Support the recovery team in case of overdue or defaulted accounts. 6. Security & Audit Compliance: Ensure safekeeping of pledged gold in lockers/vaults with proper tagging and documentation. Assist during branch audits, gold audits, and inspections. Maintain strict security, accuracy, and transparency in all gold-related transactions. Required Qualifications & Skills: Bachelor’s degree in Commerce/Finance/Business or a related field. 1–3 years of experience in gold loan operations or related banking/NBFC functions. Knowledge of gold loan products, lending procedures, and RBI norms. Basic understanding of gold appraisal and valuation (optional but preferred). Good communication, sales, and interpersonal skills. Basic computer proficiency (MS Office, Loan Management Software). Key Competencies: Integrity and Trustworthiness Target Orientation Customer Focus Problem Solving Attention to Detail Team Collaboration Job Types: Full-time, Permanent Pay: From ₹12,000.00 per month Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Work Location: In person

Approving and rejecting loans based on our credit policy and negotiating the terms of the loan with new clients. Ensuring all loans and lending procedures comply with regulations. Monitoring and ensure daily branch collection. Experience:- Minimum 3-4 Year Managerial experience in MFI Job Type: Full-time Pay: ₹20,000.00 - ₹25,000.00 per month Education: Bachelor's (Preferred) Experience: total work: 1 year (Preferred) Management: 1 year (Preferred) Work Location: In person

Existing liability customers are pitched for Gold loans. Ensure month on month growth in EOP (Execution only platform) Assets for Gold loan business/per branch. Customer Follow ups to be done at regular intervals for timely renewal of cases so as to ensure Minimum renewal pending cases. Co-ordination with valuers to be done time to time basis. Ensure most of the customers are aligned to pay valuation charges as per product norms. Ensuring healthy collections with Nil First Equally Monthly Installment /FPD and minimizing fresh flow in Bucket X. PSL(Priority sector lending) Tagging and should be aware about PSL norms. Helping branch liability team in Audits and ensuring proper communications to customer before any packet Opening. Conduct Marketing activities in the local market for generating NTB gold loan customers. Willingness to work extensively in the field and travel across the region on short notice. Carrying out ad-hoc activities as per the requirement of the department. Job Type: Full-time Pay: ₹20,000.00 - ₹30,000.00 per month Benefits: Cell phone reimbursement Health insurance Provident Fund Schedule: Day shift Supplemental Pay: Performance bonus Yearly bonus Work Location: In person

Position title Credit Analyst Description We are looking for a meticulous and forward-thinking Credit Analyst to join our underwriting and credit team. You will play a key role in evaluating creditworthiness, analyzing financial statements, assessing risk, and structuring optimal credit solutions for MSMEs across various sectors. This role will directly contribute to building a robust and scalable credit infrastructure for Karncy’s lending ecosystem. Job Location Hyderabad Responsibilities Conduct in-depth financial and operational analysis of MSME borrowers including balance sheet, P&L, and cash flow assessment. Evaluate customer credit applications using data from GST returns, banking transactions, trade references, and credit bureaus. Develop credit scoring models, risk assessment tools, and early warning systems for default prevention. Prepare detailed credit appraisal notes and recommendations for approval committees. Monitor and review existing portfolios to ensure timely risk mitigation and covenant compliance. Collaborate with sales, legal, and operations teams to structure and finalize credit solutions. Maintain strong knowledge of industry trends, sector risks, and policy frameworks impacting MSMEs. Engage with underwriting partners, NBFCs, and insurers to co-design risk-sharing models. Qualifications Bachelor’s/Master’s degree in Finance, Accounting, Economics, or related field. 3+ years of experience in credit underwriting, preferably in MSME, NBFC, invoice discounting, or fintech domains. Proficiency in financial modeling, ratio analysis, and risk evaluation tools. Strong analytical and communication skills with an eye for detail. Familiarity with credit bureau reports, GST analysis, and banking transaction interpretation. Understanding of RBI and regulatory frameworks for MSME lending is a plus. Preferred Attributes Prior experience in a fintech lending or invoice discounting platform. Knowledge of escrow structures, credit insurance, and alternative data underwriting. Proficiency with credit automation tools, Excel, and financial analytics platforms. Job Benefits Why Join Karncy? Be part of a mission-driven team unlocking capital for India’s growth engines – MSMEs. Shape innovative financial products in a rapidly evolving sector. Enjoy flexibility, ownership, and a collaborative work environment. Show more Show less

At American Express, our culture is built on a 175-year history of innovation, shared values and Leadership Behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, you'll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. American Express International Card Services (ICS) is a leading issuer and provider of Consumer and Commercial products and services across many countries around the world. The ICS Lending Center of Excellence (COE) team vision is to ensure each customer has access to flexible payment options, relevant rewards, and the powerful backing of American Express. As we continue growing our customer base, ICS Lending must ensure our customers and shareholders can realize maximum value. To support this agenda, we are seeking a colleague that can collaborate with multiple partners across numerous business units, functional areas, and geographies to: Work with product, risk, and marketing teams to enable long-term profitable growth: You will partner and collaborate with colleagues across international markets to ensure our lending products deliver on their promise to our customers. Drive Excellence across Product actions to grow our business: Design, lead, and operate effective controls across ICS Lending products. Delivering outstanding products for our customers and shareholders calls for operational excellence in everything we do. Actionable insights: Provide regular insights highlighting testing outcomes, business risks, and recommendations to further strengthen our processes. Communicate effectively and build relationships: Demonstrate a passion for building strong working relationships across regional and international partners (product, marketing, credit risk, insights, servicing, operational risk, technology, GCO, LOBCO) to deliver lending excellence. Lead with a customer first approach, and one that is grounded with the external environment: You will have international experience, a customer-first approach, and do things the right way to help the international business excel. Lead the development of new Smart Monitoring KRIs that will allow to strengthen the control environment over multiple ICS Markets. Identify opportunities to strengthen the control environment on AR Platforms and Line related processes Minimum Qualifications: Solid understanding of the economics of lending products and key levers of profitability with strong analytical skills Strong verbal, written communication and interpersonal skills Proactive and driven individual with an eye for detail Proficiency in SQL or Python Bachelor’s degree in relevant field (Finance, Economics, Business Administration, Engineering, Mathematics, Physics, Actuarial Sciences), Master’s degree is a plus. 1+ years of work experience in a high-growth product or risk management team. Ability to translate desired controls into systematic KRIs that can be automatically executed. Experience on operational risk management and self-testing, including ORE and PRSA management. Nice to have knowledge about internal control frameworks. We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally: Competitive base salaries Bonus incentives Support for financial-well-being and retirement Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location) Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need Generous paid parental leave policies (depending on your location) Free access to global on-site wellness centers staffed with nurses and doctors (depending on location) Free and confidential counseling support through our Healthy Minds program Career development and training opportunities American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.

Role: Business Analyst Exp-5-10 yrs Notice Period: Immediate Location: Gurugram Domain Knowledge :- C&IB Client Onboarding, Risk and Credit scoring, Lending, AML, and KYC. Skills :- Strong communication skills (English) and documentation Roles and Responsibilities Conduct client onboarding process, including KYC verification and AML checks. Perform credit risk assessment through credit scoring and underwriting. Manage loan origination, processing, and disbursement activities. Ensure compliance with LOS (Loan Operations System) policies and procedures. Collaborate with cross-functional teams for seamless integration of new products/services. Desired Candidate Profile 5-10 years of experience in Business Analysis or related field. Strong understanding of lending processes, including credit risk management, credit scoring, and anti-money laundering regulations. Bachelor's degree in Any Specialization (B.Tech/B.E.). Best Regards Saraschandra Talent Resource Specialist +91 8074872747 saraschandra@nishtechnologies.com Nish Technologies |* LinkedIN* Job Type: Full-time Pay: ₹1,200,000.00 - ₹1,800,000.00 per year Schedule: Day shift Rotational shift Work Location: In person

Business Development Intern (BDI) - Banking & Financial Services As a Business Development Intern in the banking and financial services industry, you will support efforts to drive business growth, assist in daily operations, and help build strong industry relationships. This internship provides hands-on exposure to banking, financial products, and strategies to support business development, with a focus on collaborating with banks and financial institutions to identify new opportunities. Key Responsibilities: Operations Support Assist in managing daily operations, tracking progress toward business goals, and ensuring smooth processes to maintain customer satisfaction. Banking Knowledge Learn about financial products, regulatory requirements, and client management to enhance your understanding of the banking sector. MSME Assistance Help develop financial solutions for MSMEs, focusing on loan access and growth strategies tailored to their specific needs. Credit Guarantee Fund Scheme (CGTSME) Support efforts to guide MSME clients through government-backed credit guarantee programs, enhancing their borrowing capacity. Retail Loan Support Assist in managing retail loan products such as personal, home, and auto loans, ensuring they align with customer needs. Product Development & Marketing Contribute to the development and promotion of loan products based on market trends and customer feedback. Credit Risk Awareness Learn about credit risk evaluation and approval processes, gaining insight into strategies to minimize risks. Lending Process Assistance Support the lending process from initial inquiry to loan disbursement, ensuring compliance and efficiency. Team Collaboration Work closely with the team to meet business objectives, gaining experience in teamwork and organizational management. Product Knowledge Development Stay informed about financial products, loan features, and industry trends to build a strong foundation in banking services. Networking Support Help build relationships with banks and financial institutions by attending industry events and supporting collaboration efforts. Job Type: Full-time Pay: ₹8,000.00 - ₹10,000.00 per month Schedule: Day shift Experience: total work: 1 year (Preferred) Work Location: In person

Internship or Fresher Opportunity: Sales @ SimplyFI Innovations Pte Ltd Location: Bangalore Mode: On-site About SimplyFI: SimplyFI Innovations is a fast-growing fintech company empowering global banks and financial institutions with cutting-edge solutions in AI Agents, Automation, Blockchain, and ESG. We specialize in digital lending, trade finance, and supply chain financing. About the Role: We’re looking for enthusiastic and driven interns to join our Enterprise Sales team. This is a great opportunity to gain hands-on experience in fintech sales, client engagement, and market research. Responsibilities: Client Engagement: Assist in building and maintaining relationships with banking and NBFC clients. Sales Support: Help in prospecting, preparing pitch materials, and coordinating meetings. Solution Research: Understand client needs and support the team in proposing tailored fintech solutions. Market Insights: Stay updated on trends in digital lending, trade finance, and emerging technologies like Blockchain and AI. Team Collaboration: Work closely with sales, technical, and support teams to ensure smooth operations. Qualifications: Pursuing or recently completed a bachelor’s degree in business, technology or related fields. Strong interest in sales, fintech, and emerging technologies. Good communication, presentation and interpersonal skills. Eagerness to learn and contribute in a fast-paced environment. Show more Show less

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all. About EY GDS Global Delivery Services (GDS) is a dynamic and truly global delivery network. Across our six locations, we work with teams from all EY service lines, geographies and sectors, and play a vital role in the delivery of the EY growth strategy. We operate from six countries and sixteen cities: Argentina (Buenos Aires) China (Dalian) India (Bangalore, Chennai, Gurgaon, Hyderabad, Kochi, Kolkata, Mumbai, Noida, Trivandrum) Philippines (Manila) Poland (Warsaw and Wroclaw) UK (Manchester, Liverpool) Careers in EY Global Delivery Services Join a team of over 50,000 people, working across borders, to provide innovative and strategic business solutions to EY member firms around the world. Join one of our dynamic teams From accountants to coders, we offer a wide variety of fulfilling career opportunities that span all business disciplines Our Consulting practice provides differentiated focus on the key business themes to help our clients solve better questions around technology. Our vision is to be recognized as a leading provider of differentiated technology consulting services, harnessing new disruptive technology, alliances and attracting talented people to solve our clients' issues. It's an exciting time to join us and grow your career as a technology professional. A technology career is about far more than leading-edge innovations. It’s about the application of these technologies in the real world to make a real, meaningful impact. We are looking for highly motivated, articulate individuals who have the skills to the technology lifecycle and are passionate about designing innovative solutions to solve complex business problems. Your career in Consulting can span across these technology areas/ services lines: Digital Technologies: We are a globally integrated digital architecture and engineering team. Our mission is to deliver tailored, custom-built end to end solutions to our customers that are Digital, Cloud Native and Open Source. Our skills include Experience design, UI development, Design Thinking, Architecture & Design, Full stack development (.Net/ Java/ SharePoint/ Power Platform), Emerging Technologies like Block Chain, IoT, AR\VR, Drones, Cloud and DevSecOps. We use industrialized techniques, built on top of agile methods utilizing our global teams to deliver end to end solutions at best unit cost proposition. Testing Services: We are the yardstick of quality software product. We break something to make the product stronger and successful. We provide entire gamut of testing services including Busines / User acceptance testing. Hence this is a team with all round skills such as functional, technical and process. Data & Analytics: Data and Analytics is amongst the largest and most versatile practices within EY. Our sector and domain expertise combined with technical skills in data, cloud, advanced analytics and artificial intelligence differentiates us in the industry. Our talented team possesses cross-sector and cross-domain expertise and a wide array of skills in Information Management (IM), Business Intelligence (BI), Advance Analytics (AA) and Artificial Intelligence (AI) Oracle: We provide one-stop solution for end-to-end project implementation enabled by Oracle and IBM Products. We use proven methodologies, tools and accelerators to jumpstart and support large Risk and Finance Transformation. We develop solutions using various languages such as SQL or PL/ SQL, Java, Java Script, Python, IBM Maximo and other Oracle Utilities. We also provide consulting services for streamlining the current reporting process using various Enterprise Performance Management tools. SAP: By building on SAP’s S/4HANA digital core and cloud services, EY and SAP are working to help organizations leverage industry-leading technologies to improve operational performance. This collaboration helps drive digital transformation for our clients across areas including finance, human resources, supply chain and procurement. Our goal is to support clients as they initiate or undergo major transformation. Our capabilities span end-to-end solution implementation services from strategy and architecture to production deployment. EY supports clients in three main areas, Technology implementation support, Enterprise and Industry application implementation, Governance Risk Compliance (GRC) Technology. Banking and Capital Market Services: Banking and Capital Market Services companies are transforming their complex tax and finance functions with technologies such as AI and ML. With the right blend of core competencies, tax and finance personnel will shift to data, process and technology skills to service global clients on their Core Banking Platforms and support their business / digital transformation like Deposit system replacements, lending / leasing modernization, Cloud–native architecture (Containerization) etc. Wealth and Asset Management: We help our clients thrive in a transformative age by providing innovative services to global and domestic asset management clients to increase efficiency, effectiveness and manage the overall impact on bottom line profitability by leveraging the technology, data and digital teams. We do many operational efficiency programs and Technology Enabled Transformation to re-platform their front and Back offices with emerging technologies like AI, ML, Blockchain etc. Insurance Transformation: The current changing Macroeconomic trends continue to challenge Insurers globally. However, with disruptive technologies – including IoT, autonomous vehicles, Blockchain etc, we help companies through these challenges and create innovative strategies to transform their business through technology enabled transformation programs. We provide end to end services to Global P&C (General), Life and Health Insurers, Reinsurers and Insurance brokers. Cyber Security: The ever-increasing risk and complexity surrounding cybersecurity and privacy has put cybersecurity at the top of the agenda for senior management, the Board of Directors, and regulators. We help our clients to understand and quantify their cyber risk, prioritize investments, and embed security, privacy and resilience into every digitally-enabled initiative – from day one. Technology Risk: A practice that is a unique, industry-focused business unit that provides a broad range of integrated services where you’ll contribute technically to IT Risk and Assurance client engagements and internal projects. An important part of your role will be to actively establish, maintain and strengthen internal and external relationships. You’ll also identify potential business opportunities for EY within existing engagements and escalate these as appropriate. Similarly, you’ll anticipate and identify risks within engagements and share any issues with senior members of the team. Behavioral Competencies: Adaptive to team and fosters collaborative approach Innovative approach to the project, when required Shows passion and curiosity, desire to learn and can think digital Agile mindset and ability to multi-task Must have an eye for detail Skills needed: Should have understanding and/or experience of software development best practices and software development life cycle Understanding of one/more programming languages such as Java/ .Net/ Python, data analytics or databases such as SQL/ Oracle/ Teradata etc. Internship in a relevant technology domain will be an added advantage Qualification: BE - B. Tech / (IT/ Computer Science/ Circuit branches) Should have secured 60% and above No active Backlogs EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today.

About Retail Portfolio Management Group The RPMG department focuses on the collections for lending business of the bank including Retail, Rural and Agri and SME Businesses among others. They also provide recovery resolutions for working capital loans and Business loans for Small Businesses and is also responsible for the receivables/collections business of the bank. About the Role The Compliance and Risk Officer (CARO) Team is responsible for ensuring the risk and compliance culture within the Retail Portfolio Management Group. Role of CARO function involves taking steps and corrective actions, wherever required, so that the processes within the department are compliant with the regulatory guidelines. Also, CARO team ensures mitigation of potential risks associated with the functions of the department through effective controls. Any gaps in processes or controls are identified and addressed by CARO either by strengthening existing controls or by designing new ones. In addition to this, CARO is also responsible for formulating management action plan (MAP) for internal audit observations, Risk Assessment Review reports resulting from RBI audit, ensuring housekeeping parameters such as review/ renewals, internal rating, EWS and RFA triggers, pending security creation, etc. are within the minimum thresholds, providing regular updates to Senior Management on status of implementation of Risk Mitigation Plan advised by RBI, sharing any new or changes in regulatory guidelines with all members of the department and ensuring facilitation of Compliance testing and RAR sustenance testing by Compliance department. For all the above function CARO team is required to coordinate across cross-functional departments such as Operational Risk, Compliance, Credit Risk, CBO, IAD and F & A. Key Responsibilities Respond to RBI queries during annual RBS audit. Co-ordinate for all the activities related to Risk Based Supervision / other regulatory inspections including the submission of data / documents and represent the department for all the queries raised during the RBI inspections. Formulate responses to RAR observations from RBI in coordination with various Business Segments and Credit Underwriting, Keep abreast with the regulatory changes and ensure dissemination and Implementation of regulations / amendments / actionable/ compliance communication in line with the milestones committed and within the timelines prescribed by regulators / internal timelines. Supervise activities of CARO team members which includes various financial reporting. monitoring of Key Risk Indicators and Key Compliance Indicators, assessment of all Risks and associated control, timely and vetted response of regulatory/ statutory correspondence to Compliance Department for onward submission, facilitation of Operational Risk and Financial Risk walkthrough, Remediation of operational risk issues and control gaps, responses to audit observations. Design new processes/ controls to address gaps highlighted by Operational Risk after risk assessment exercise and IAD after audit review. Review of Policies pertaining to Retail Lending and Collections in alignment with the regulatory guidelines Monitoring the Compliance Risk / Operational risk dashboards / risk movements of assessment units and flagging of the concerns to Head of the Department. Monitor parameters such as review/ renewals, internal rating, EWS and RFA triggers, pending security creation, etc. and ensure they are done within due dates so that the overdue cases are within the minimum thresholds, Provide regular updates to Segment Heads and Senior Management on status of implementation of Risk Mitigation Plan advised by RBI through weekly dashboards and bi-monthly RMP meeting with all Department Heads and MANCOM members. Qualifications Optimal qualification for success on the job is: Education (CA / MBA from Tier 1 Institute) Experience (~12-15 yrs in Banks’ Retail Credit, Collections, Compliance or Internal Audit for Retail Lending, Risk ) Role Proficiencies: In-depth knowledge of key drivers and indicators in the relevant sectors A solid understanding of financial statements, ratios Understanding of compliance, regulatory norms and operating procedures Good relationship management and strong communication and presentation skill

Underwriting & making proposals of commercial credit card & LAS. Ensuring discipline in adherence to processes involved in credit underwriting. Good understanding of financials & ratio analysis to arrive at a decision on lending and recoverability of loans granted. Ensure systematic verification processes and coordinate with sales, service, verification agencies. Be up to date on industries we lend and business environment in general. Review the portfolio sourced to prevent early delinquency. Understand and interpret the portfolio quality. Have good communication skills to interact with various stakeholders within/outside the bank.