198 Ratio Analysis Jobs

Seeking a detail-oriented Finance Executive to perform ratio analysis, prepare CMA reports, manage financial docs, support audits, projections, and ensure timely, accurate reporting. Strong financial analysis required.

Fund Administration is Citco s core business, and our alternative asset and accounting service is one of the industry s most respected. Our continuous investment in learning and technology solutions means our people are equipped to deliver a seamless client experience. About You: Relevant accounting internship experience in either an Audit Firm, Hedge Fund, Hedge Fund Administrator, Mutual Fund or other financial institution where the accountant has gained financial products knowledge Previous Financial Statement Preparation experience Bachelor s degree in Accounting, Finance or Economics with a minimum of 9 accounting credits Good communication skills Working knowledge of Excel and Word essential Your Role: Under direct supervision, prepare annual, semi-annual and quarterly financial statements as required. Draft financial statement footnote disclosure as required by the financial reporting standards of the fund. Prepare financial highlight disclosures, including calculations of total returns, preparation of per share tables, expense ratio analysis, etc. Perform analysis of the financial statements to verify accuracy to accounting record. Maintain audit support schedules during the year. Compile and advise on monthly, quarterly and annual regulatory reports such as Form PF, Form SLT and others. Contribute to strong regulatory reporting relationships through interactions with internal parties, client, regulators (SEC) and audit firm personnel Obtain working knowledge of the CFS proprietary systems Exchange information internally. Participate in-group meetings to exchange status, data, etc. Respond to moderately complex inquiries. Relay to, and gather routine information from employees and/or outside offices, and clients. Develop training programs and agendas. Maintain effective contact/communication within members of the office and other CFS offices at various levels in the organization. Begin to build external client contacts, when necessary, and be regularly available and responsive to their interpersonal and business needs. Compose, format and edit routine correspondence and documentation. Ensure quality. Errors have significant impact and may result in expenditure of additional time, resources and funds and impact the office s ability to achieve objectives. Identify errors or problems and independently investigate; recommend solutions to team members Suggest methods and procedures for new work assignments, reviewing with supervisor for input or approval Ability to work overtime when necessary.

Responsibilities Prioritize data gathered from financial reports into Excel workbook analyses that provides valuable guidance to the U.S. based engagement team on specific reviews of company financials in the fast-paced world of mergers and acquisitions Prepare and update document request lists and management meeting agendas Participate in management meetings with the Target Company and discussions with the Client Assist in preparing Quality of Earnings adjustments, Net Working Capital analyses, identifying Debt-like Items, key Points of Interest for consideration in the Report, etc. Review and tie out final client reports to ensure data accuracy of reported numbers. Remotely work and coordinate with RSM consulting professionals, supervisors, and senior management in the U.S. on a daily basis, including some early morning and late evening conference calls. Superior verbal and written communication skills, attention to detail and accuracy, project management, organization, prioritization and follow-upskills Required qualifications Relevant experience from Big 4 or equivalent Transaction Advisory Services practice. Qualification - CA/CPA/MBA finance Approximately 3-5 years of related financial due diligence work experience on buy-side and sell-side transactions. Ability to prepare industry-specific and other ad hoc analyses for asset management, insurance and specialty finance industries. Deal experience with onshore team including data room management, document request list preparation, management meeting preparation, workbook analysis, Quality of Earnings, due diligence reports, client calls and engagement team calls. Understanding of financial statements, financial ratio analysis, U.S. GAAP accounting standards, financial concepts, etc. Advanced Excel skills (VLOOKUPs, pivot tables, and advanced formulas), Word and PowerPoint skills.

Looking for a detail-oriented Finance Executive to manage financial documentation, ratio analysis, CMA reports, and audits. Must have strong financial skills, CMA experience, and coordination with banks. MBA Finance preferred. Provident fund

As a qualified Chartered Accountant with experience in US F&A General Ledger (GL), you will be responsible for the following key tasks: - Handling end-to-end US F&A GL month close tasks - Ensuring submission of Borrowing Compliance and Ratio Analysis - Managing Balance sheet, Income Statement, and Accruals movements - Guiding the preparation of monthly financial accounts as per SOPs and processes - Assisting in preparation of Annual Accounts and Finalization of Accounts of Group Companies in line with US GAAP - Overseeing the monthly consolidation of group companies - Assisting in the preparation of year-end books for audit purposes and liaising with auditors - Implementing suitable internal control systems in the department - Providing financial information to the top management on a monthly basis - Conducting detailed cash flow analyses as required - Analyzing monthly financial statements and communicating analysis to management - Ensuring operational compliance with policies, procedures, and regulations - Reconciling bank accounts and assigned general ledger accounts - Assisting in reconciling all balance sheet and income statement accounts on a monthly/quarterly basis Additionally, you will be involved in the formulation of various systems, policies, and procedures as per the company's requirements. In terms of skills and abilities, you should possess the following: - Excellent verbal, written, and interpersonal skills - Ability to work effectively with management and colleagues - Demonstrated ability to work independently - Strong organizational skills, including task prioritization and multitasking - Good judgment and problem-solving skills - Adaptive to changes in the work setting - Ability to manage work with offshore team - Knowledge in different Ratios, US GAAP, FCCS/EPM, Power BI, MS Office The desired qualifications for this role include: - Chartered Accountant (CA) with 4 to 5 years of experience, preferably from a Big 4 firm - Minimum 4 years of experience in Finance and Accounting - Work experience in Staffing & IT software companies is preferred but not mandatory - Exceptional client service, communication, and organizational skills - Ability to collaborate effectively internally and externally If you are interested in this opportunity, please reach out to Sriranjini.rammohan@dexian.com for further details.,

Job Title: Manager Corporate Finance Location: Chembur Department: Finance Job Summary: We are looking to hire an experienced and detail-oriented Finance Manager to oversee key financial operations including forecasting, bank liaison, covenant compliance, and management reporting. The ideal candidate will play a pivotal role in supporting financial decision-making, ensuring regulatory and lender compliance, and improving internal financial reporting processes. Key Responsibilities: Prepare and update financial projections and business forecasts aligned with company goals Coordinate and communicate with banks to respond to queries, ensure timely submission of required documents, and manage relationships Monitor and ensure adherence to financial covenants and compliance requirements as per lender sanction terms Develop and deliver timely and accurate MIS (Management Information System) reports for internal stakeholders Assist in preparing monthly, quarterly, and annual financial reports and dashboards Support audits, both internal and external, with relevant documentation and responses. Qualifications & Skills: Education: CA / MBA (Finance) / CMA or equivalent qualification Experience: 512 years of relevant experience in finance roles, preferably in a corporate or banking-related environment. Strong knowledge of financial modelling, bank interactions, and loan covenant tracking Proficient in MS Excel, financial software, and ERP systems Excellent communication,analytical, and stakeholder management skills. Preferred Attributes: Prior experience in dealing with banks, NBFCs, or credit institutions Ability to handle multiple tasks under tight deadlines Strong attention to detail and organizational skills. If interested please apply immeduiately.

Under direct supervision, prepare annual, semi-annual and quarterly financial statements as required. Draft financial statement footnote disclosure as required by the financial reporting standards of the fund. Prepare financial highlight disclosures, including calculations of total returns, preparation of per share tables, expense ratio analysis, etc. Perform analysis of the financial statements to verify accuracy to accounting record. Maintain audit support schedules during the year. Compile and advise on monthly, quarterly and annual regulatory reports such as Form PF, Form SLT and others. Contribute to strong regulatory reporting relationships through interactions with internal parties, client, regulators (SEC) and audit firm personnel Obtain working knowledge of the CFS proprietary systems Exchange information internally. Participate in-group meetings to exchange status, data, etc. Respond to moderately complex inquiries. Relay to, and gather routine information from employees and/or outside offices, and clients. Develop training programs and agendas. Maintain effective contact/communication within members of the office and other CFS offices at various levels in the organization. Begin to build external client contacts, when necessary, and be regularly available and responsive to their interpersonal and business needs. Compose, format and edit routine correspondence and documentation. Ensure quality. Errors have significant impact and may result in expenditure of additional time, resources and funds and impact the office s ability to achieve objectives. Identify errors or problems and independently investigate; recommend solutions to team members Suggest methods and procedures for new work assignments, reviewing with supervisor for input or approval Ability to work overtime when necessary.

Evaluate financial statements, bank transactions, ITRs, and GST data to assess borrower creditworthiness Analyze various business models and proactively identify credit and operational risks Prepare detailed and concise credit appraisal notes for internal credit committee/sanctioning Recommend loan amount, tenure, and repayment structure aligned to business viability Conduct business and site verifications, and validate all key documents submitted by borrowers Ensure adherence to internal credit policies and regulatory norms at every stage of assessment

About the job- As a Finance Analyst , you will be responsible for supporting the financial management, reporting, and analysis functions for assigned clients. Major functions in this role will include: Financial Reporting & Analysis Prepare, review, and deliver monthly, quarterly, and annual financial statements and management reports. Perform variance analysis, trend analysis, and ratio analysis to highlight insights. Budgeting & Forecasting Assist in preparing budgets, cash flow forecasts, and financial models. Track actuals against budgets and highlight deviations with explanations. Decision Support Provide solutions and recommendations to client management based on financial data and analysis. Compliance & Accuracy Ensure client books and reports adhere to GAAP and other regulatory/management requirements. Responsibilities and Expectations- This role will entail the following responsibilities: Prepare and analyze client financial statements and management reports. Conduct month-end close activities including reconciliations and review of accounts. Support in building budgets, forecasts, and cash flow models. Perform financial and ratio analysis to support decision-making. Ensure timely preparation and delivery of reports within prescribed deadlines. Communicate with clients to provide updates, clarify requirements, and address queries. Collaborate with internal teams and report to your manager. Qualifications- Finance/Accounting degree Graduate / CA Inter / CFA Level 1 / MBA Finance. 02 years of finance or accounting experience. Strong understanding of GAAP, financial reporting, and analysis techniques. Detail-oriented with strong analytical, organizational, and time management skills. Proficiency in MS Excel/Google Sheets; familiarity with BI tools is a plus. Strong English verbal and written communication skills. Willingness to work in a fast-paced environment with a commitment to deliver quality work within deadlines. Self-directed and capable of working independently. Interview Process- Interview will include a written test and personal interview. Job Types : Full-time, Regular / Permanent Schedule : Day shift Supplemental pay types : Yearly bonus Education : Bachelors (Preferred) Experience : Finance/Accounting: 1 year (Preferred) Language : English (Preferred) Work Remotely : No

The Sales Manager Growth (West India) will be responsible for developing and executing sales /revenue for West India, identifying key business opportunities, and driving the overall sales performance. This individual will work closely with our sales leadership, product, marketing, Tech teams and customer success teams to ensure that our solutions align with the evolving needs of the Financial services Sector. Key Responsibilities: Execute sales (per regional sales strategy/plan) to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Hit sales target achievement on MTD, QTD, YTD basis. Identify and target new business opportunities, including generating leads, building relationships with key decision-makers, and creating tailored proposals to meet client needs. Build and maintain strong relationships with senior stakeholders/Decision makers, including Chief Risk Officers, Chief Credit Officers, Business heads of various banking verticals such as Business banking, Retail Banking, Wealth etc. Lead all phases of the sales cycle (end to end), right from initial prospecting/lead generation and relationship building to contract negotiation and deal closure. Work closely with internal teams/stakeholders to ensure the product offerings align with the specific needs of the customer. Provide feedback on market trends, customer requirements \u2013 our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties \u2013 create a win-win solution, while maintaining a focus on long-term relationships and mutual success. Track sales metrics and KPIs, providing regular reports to the executive team on sales performance, pipeline status, and revenue forecasts. Requirements What we look for: Minimum of 5+ years of sales experience in the fintech, banking, or financial services industry, with a focus on B2B sales of complex software or technology solutions. with at least 2+ years focused on selling to Banks/NBFC or Fintech or BFSI segment in India. Proven track record of successfully selling FinTech solutions, preferably in the areas of credit underwriting & risk assessment, lending or financial services, to banks/Fintech or BFSI clients. Strong knowledge of the BFSI sector, the Forensics industry, with a deep understanding of the credit evaluation process. - including financial analysis and ratio analysis to check creditworthiness of any company/business. Sound Understanding of banks/NBFC/Fintech structure (verticals/segments), pain points, and decision-making structures with clear focus key decision makers. Excellent communication, presentation, with strong negotiation skills. Should be to influence decision making with internal & external stakeholders. Ability to navigate complex sales cycles and build relationships with senior-level stakeholders internally as well as within banks/NBFC/Fintech and its segments/verticals. Familiarity with the BFSI landscape in India, specifically credit risk assessment technologies and tools. Ability to travel as needed to meet with clients, attend industry events, and oversee business development initiatives.

About this role: Wells Fargo is seeking a Lead Commercial Banking Portfolio coordinator In this role, you will: Support performance and overall effectiveness of team, as well as cross-group administrative operations Provide feedback and present ideas for improving or implementing processes and tools within Commercial Banking Portfolio Management Review credit information of loans for companies and industries Respond to customer inquiries, generate status reports for management or bankers and contact available sources of information Perform or guide others on complex tasks or initiatives that require planning, evaluation, and interpretation Independently prioritize work and provide day-to-day-work leadership and mentorship to team Lead or contribute to implementation of new or revised processes and procedures Provide guidance and subject matter expertise to immediate team and Commercial Banking Portfolio Management on wide range of information Required Qualifications: 3+ years of Commercial Banking Portfolio Management experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Chartered Accountant and Bachelor's Degree (Commerce Mandatory), equivalent Strong knowledge on accounting and finance, Industry analysis, Internal and external risk factors of the borrower Should have an experience in assessing credit worthiness of the borrowers based on qualitative and quantitative factors Strong knowledge of preparation and analysis of projected and Proforma based financial statements Sound knowledge of ratio analysis, cash flow, and trend analysis Should have experience of Financial spreading across all the Industries Sound knowledge on Moody's Risk Analytics (MRA) (added advantage) Strong knowledge on GAAP Accounting / International Financial Reporting Standards Ability to read & analyze financial statements. Excellent knowledge of MS office application primarily MS Word, MS Excel and PowerPoint Strong analytical skills. Excellent communication skills Should be flexible to stretch as per business requirement Stakeholders/Client management Able to multi-task to accomplish tasks effectively. Strong analytic skill, Quick Learner & Attention to detail Ability to work quickly & accurately while maintaining acceptable standards of workmanship Ability to recognize and escalate to management for any process breaches Highly motivated with strong organizational Flexibility to work in different shifts Ability to succeed in a team environment Job Expectations: Includes end to end responsibility of request received from clients includes financial spreading in MRA tool, analyzing financial statements, identification of trend and provide financial commentaries on cause and effect on identified trend as per business requirement Prepare projected financial statements as per relationship managers requirement Complete Pro forma adjustments based on the projected financial information as per requirement Should be able to interpret and spread financials of different companies belong to different division as per business requirement at any given day Assessing the repayment capacity of the highly leveraged Borrower's. Should handle subjectivity in the financial analysis/spreading and substantiate with reasons Should be flexible in switching roles in between Processors/DSO/QC at any point of time during the day/months as per business requirement Should be flexible in taking additional responsibilities and ensure smooth execution without compromising on quality and timelines Act as a coach or mentor to facilitate learning from experience depending on requirement Facilitates communication to resolve problems and advance strategies. Make a significant contribution toward achieving team goals through knowledge and skills. Lead or champion efforts to increase productivity and goal accomplishment Posting End Date: 11 Sep 2025 We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit . Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

As a Lead Commercial Banking Portfolio Coordinator at Wells Fargo, you will play a crucial role in supporting the performance and effectiveness of the team and cross-group administrative operations within Commercial Banking Portfolio Management. Your responsibilities will include reviewing credit information of loans for companies and industries, responding to customer inquiries, generating status reports, and contacting available sources of information. In this role, you will be expected to provide feedback, present ideas for process improvement, and implement new processes and procedures. You will independently prioritize work, provide day-to-day leadership and mentorship to the team, and guide others on complex tasks that require planning and evaluation. You will be responsible for end-to-end handling of client requests, which involves financial spreading in the MRA tool, analyzing financial statements, identifying trends, providing financial commentaries, preparing projected financial statements, and making pro forma adjustments based on projected financial information. It is essential to interpret and spread financials of different companies across various divisions as per business requirements. To excel in this role, you should possess strong knowledge of accounting, finance, industry analysis, internal and external risk factors, preparation and analysis of projected financial statements, ratio analysis, cash flow, trend analysis, and Moody's Risk Analytics (MRA). Proficiency in GAAP Accounting, International Financial Reporting Standards, reading and analyzing financial statements, and MS Office applications is also required. The ideal candidate will have at least 6 years of experience in Commercial Banking Portfolio Management or equivalent expertise demonstrated through work experience, training, military experience, or education. Additionally, you should have the ability to assess creditworthiness based on qualitative and quantitative factors, handle financial spreading across all industries, and communicate effectively. Your job expectations will include stakeholder and client management, multitasking, strong analytical skills, attention to detail, working quickly and accurately, recognizing and escalating process breaches, and succeeding in a team environment. Flexibility to work in different shifts, strong organizational skills, and motivation to increase productivity and goal accomplishment are essential qualities for this role. At Wells Fargo, we value diversity and are committed to building strong customer relationships while maintaining a risk-mitigating and compliance-driven culture. Employees are expected to adhere to risk programs, policies, and procedures, and make sound risk decisions in alignment with the company's risk appetite. If you are a motivated individual with the required qualifications and skills, we encourage you to apply for this position. Join us in our commitment to excellence and customer satisfaction at Wells Fargo. [Note: The job posting end date is 4 Mar 2025. Please be aware that the posting may close early due to the volume of applicants.],

Job description CrispIdea is looking for a Research Analyst preferably with maximum 1-2 years of experience/ fresher and based in Bangalore only. Those who are seriously looking for a career in FINANCE, should only apply. Pre-requisites: Qualification: MBA (finance), CFA (optional) We expect candidate To have niche knowledge in finance Should able to read the balance sheet and profit & loss account Should know Ratio Analysis Should be able to analyze companies and industries and be conversant with the latest industry trends NISM and NCFM Certification will be given priority Should be in touch with stock market trends Should have good control over English writing skills Should also have Excel/PowerPoint/Word skills as reports will be made in these formats Expected Take Home Salary 3.5 lakhs to 4.03 lakhs including variable, based on qualification and experience. We are based in Bangalore and this position is for Bangalore location. Those who are seriously looking for a career in FINANCE, should only apply. Those interested, please send your resume to [HIDDEN TEXT] Thank You Show more Show less

Job Title: Credit Analyst Asset & Investment Management Location: [Specify location] Experience: 6 months to 2 yrs Working Model: Work from Office Job Description: We are looking for a detail-driven and financially sound Credit Analyst to join our asset management division. The role requires evaluating creditworthiness, understanding financial statements, and supporting investment decisions across Alternate Investment Funds (AIFs) and asset classes. Key Responsibilities: Analyze financial statements, ratios, and balance sheets to assess credit risk Conduct in-depth credit checks and due diligence on potential investments Support the investment team in identifying and evaluating asset opportunities Collaborate with fund managers to assess AIFs and other investment vehicles Monitor the performance of investments and prepare risk assessment reports Maintain and update internal databases on credit profiles and market insights Requirements: Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA/CFA , CMA is a plus) 6 months to 2 yrs of experience in credit analysis, preferably in asset or investment management firms Strong understanding of financial ratios, asset performance, and investment principles Exposure to Alternate Investment Funds (AIFs) or similar products is desirable Proficient in MS Excel and financial modeling Analytical mindset with excellent written and verbal communication skills Work Details: Shift Timing: Day shift (e.g., 9:30 AM to 6:30 PM – update as needed) Working Days: 6 days a week (Work from Office) Location : Annasalai Chennai

Prioritize data gathered from financial reports into Excel workbook analyses that provides valuable guidance to the U. S. based engagement team on specific reviews of company financials in the fast-paced world of mergers and acquisitions Prepare and update document request lists and management meeting agendas Participate in management meetings with the Target Company and discussions with the Client Assist in preparing Quality of Earnings adjustments, Net Working Capital analyses, identifying Debt-like Items, key Points of Interest for consideration in the Report, etc. Review and tie out final client reports to ensure data accuracy of reported numbers. Remotely work and coordinate with RSM consulting professionals, supervisors, and senior management in the U. S. on a daily basis, including some early morning and late evening conference calls. Superior verbal and written communication skills, attention to detail and accuracy, project management, organization, prioritization and follow-upskills Required Qualifications: Relevant experience from Big 4 or equivalent Transaction Advisory Services practice. Qualification - CA/CPA/MBA finance Approximately 3-5 years of related financial due diligence work experience on buy-side and sell-side transactions. Ability to prepare industry-specific and other ad hoc analyses for asset management, insurance and specialty finance industries. Deal experience with onshore team including data room management, document request list preparation, management meeting preparation, workbook analysis, Quality of Earnings, due diligence reports, client calls and engagement team calls. Understanding of financial statements, financial ratio analysis, U. S. GAAP accounting standards, financial concepts, etc. Advanced Excel skills (VLOOKUPs, pivot tables, and advanced formulas), Word and PowerPoint skills. .

Develop & Manage financial models for real estate projects and portfolios Prepare annual budgets for properties or development projects Evaluate potential acquisitions, developments, or sales Ensure real estate entities comply with tax laws Required Candidate profile Forecast cash flows, revenues & expenses Recommend operational improvements to increase asset value Ensure real estate entities comply with tax laws Use financial systems and real estate platforms

Join us as a "Credit Risk Specialist" at Barclays, where you'll spearhead the evolution of our digital landscape, driving innovation and excellence. You'll harness cutting-edge technology to revolutionize our digital offerings, ensuring unparalleled customer experiences. The role will require you to prepare credit proposals, including independent recommendations and presentations directly to the Risk Sanctioning Unit and/or Committee on behalf of the Relationship Point. Assess customers" business and/or transaction structure through the analysis of business, transactional, market, and credit risks associated with the provision of the Bank's products and services to the customer. Proactively manage the risk of the designated portfolio by periodic review, identify potential credit deterioration or early warning signs of delinquency, and take immediate corrective action on breaches or downturn in quality by taking up with the client/Coverage/Risk Sanctioning teams. You may be assessed on the key critical skills relevant for success in the role, such as experience with corporate credit analysis, as well as job-specific skill sets. To be successful as a "Credit Risk Specialist," you should have experience with: Basic/ Essential Qualifications: - Chartered Accountant - MBA (Finance) - CFA Desirable skillsets/ good to have: - Good credit report underwriting skills - Sound understanding of corporate financial statements (including Balance Sheet, Profit & Loss, and Cash Flow) and ratio analysis - Experience in dealing with various corporate banking lending products such as Term Loan, Overdraft, RCF, Trade products (Letter of Credit, Bank Guarantee, CID, Trade Loan), and FX/Derivatives line. This role will be based out of Noida. Purpose of the role: To safeguard the financial health of the bank by identifying, analyzing, and mitigating potential credit risks associated with lending activities. Accountabilities: - Analysis of financial data, including income, assets, liabilities, credit history, and economic trends, to determine the risk of default. - Monitoring of existing loan portfolios to identify potential credit deterioration or early warning signs of default. - Recommendation of loan approvals, rejections, or adjustments based on risk evaluation and bank lending policies. - Development and implementation of credit risk mitigation strategies, including collateral management, loan restructuring, and workout plans. Analyst Expectations: To perform prescribed activities in a timely manner and to a high standard consistently driving continuous improvement. Requires in-depth technical knowledge and experience in their assigned area of expertise. Thorough understanding of the underlying principles and concepts within the area of expertise. They lead and supervise a team, guiding and supporting professional development, allocating work requirements, and coordinating team resources. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviors to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviors are: L - Listen and be authentic, E - Energize and inspire, A - Align across the enterprise, D - Develop others. OR for an individual contributor, they develop technical expertise in the work area, acting as an advisor where appropriate. Will have an impact on the work of related teams within the area. Partner with other functions and business areas. Takes responsibility for the end results of a team's operational processing and activities. Escalate breaches of policies/procedures appropriately. Take responsibility for embedding new policies/procedures adopted due to risk mitigation. Advise and influence decision-making within own area of expertise. Take ownership of managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulations, and codes of conduct. Maintain and continually build an understanding of how your own sub-function integrates with the function, alongside knowledge of the organization's products, services, and processes within the function. Demonstrate understanding of how areas coordinate and contribute to the achievement of the objectives of the organization sub-function. Resolve problems by identifying and selecting solutions through the application of acquired technical experience and will be guided by precedents. Guide and persuade team members and communicate complex/sensitive information. Act as a contact point for stakeholders outside of the immediate function, while building a network of contacts outside the team and external to the organization. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence, and Stewardship - our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset - to Empower, Challenge, and Drive - the operating manual for how we behave.,

Responsibilities: * Prepare financial reports & statements * Conduct ratio analysis & model valuations * Analyze financials, create models & analyze ratios * Collaborate with stakeholders on strategic planning Provident fund

About the Role At Company, we rely on a meticulous financial system to drive business forward. Our accounts receivable department keeps that system running smoothly by managing cash influx and collecting payment from clients. We researching for a skilled financial specialist to join our accounts receivable team to help process, track, and record payments in an accurate, efficient, and timely manner. The accounts receivable specialist will have both a day- to- day and ongoing impact on financial transactions, keeping us on track, on time, and on good terms with our valued partners. Key Responsibilities Support the company in optimizing our financial transactions and systems by performing reconciliation of payments and customer accounts. Communicate discrepancies to management team, identify slow- paying customers, and recommend collection candidates. Strengthen and grow relationships with clients and Sales Account Managers by communicating with regarding past- due accounts. Assist in streamlining and improving the accounts receivable process identifying areas of performance improvement. Exercise integrity and confidentiality in financial reporting, and comply with federal, state, and local financial requirements. Gather and verify invoices for appropriate documentation prior to payment. Maintain accounts receivable records to ensure aging is up to date, credits and collections are applied, uncollectible amounts are accounted for, and miscellaneous differences are cleared. Handling & Scrutinize Freight Deduction Activity. Perform daily cash management duties, including the recording of bank deposits, updating and distribution of cash receipt logs, and posting of cash to the accounts receivable subledger. Monitor and collect accounts receivable by contacting clients via telephone, email, and mail. Prepare analytical and ratio analysis in relation to A/R for management to gain a better understanding of how collection efforts are progressing. Support other accounting and finance team members, inventory management, and cost accounting. Requirements MBA Or Equivalent. Understanding basic principles of finance, accounting, and bookkeeping. Superb time management and detail. Proficiency with Microsoft Office (Excel, Word, Outlook) and Google drive, SharePoint. Ability to keep company and partner confidences. Proficient at QuickBooks or Zoho Books or Tally. Strong mathematical skills and Communication. Prior experience in accounts receivable and Experience in driving process improvement.

Role Client Management / Stakeholder Management; Discuss with the key management personnel of the corporates being rated to understand their strategy and business model Communicate the final Rating to the client Analyse Company’s financial performance which include; Past financial and business performance & Benchmark these against peers performance. Project future performance of the company Undertake rigorous credit risk analysis encompassing industry / business research and financial analysis of various large corporates. Assign Ratings and prepare reports that cogently capture the rationale behind the rating. Make credit rating recommendation to the Rating Committee. Roles & Responsibilities: Ensure adherence to timelines. Maintain a high quality of analytics and rating committee presentation. Complete ownership of a client account. Responsible for all day-to-day operations of the account. Interfacing with clients for all operational activities. Handholding of 1-2 junior analysts. Should support the manager in day to day activities. Team & account management would include, but not limited to training & development of the team, coaching, sharing of best practices, providing feedback, etc. Undertake regular liaison with client management and analyst teams to gauge feedback and satisfaction. Supporting thought leadership and content building exercises in Mid Corporate Segment

As a Financial Analyst, you will be responsible for conducting detailed financial and credit analysis to evaluate the creditworthiness of the company. This involves analyzing financial statements such as the balance sheet, profit & loss, and cash flow, along with assessing various ratios like liquidity, leverage, profitability, efficiency, and coverage ratios. Additionally, you will evaluate collateral strength and covenant compliance for both secured and unsecured funding. Your role will also involve preparing funding proposals, credit reports, and investor presentations for banks, NBFCs, and financial institutions. It is essential to structure loan and investment proposals in alignment with the company's financial objectives. You will be required to present financial insights and funding strategies to senior management, lenders, and investors, as well as collaborate with financial institutions to negotiate interest rates, loan terms, and funding structures. Furthermore, you will be responsible for identifying financial risks and proposing mitigation strategies. Monitoring debt servicing, cash flow projections, and funding utilization will be crucial aspects of your job. Ensuring compliance with banking regulations, RBI norms, and investment policies is essential. You will also need to stay updated on industry trends and macroeconomic factors that may impact funding decisions. In this role, cross-functional coordination is key. You will work closely with finance, treasury, audit, and legal teams to align funding strategies and support due diligence and financial modeling for potential investments. Additionally, you will assist in negotiations for credit lines, working capital loans, and structured finance deals.,

About Us At Karbon (AI Accountant) , we re building the future of financial infrastructure. As an AI-driven fintech, we simplify money movement, credit, and financial operations for businesses. Our products combine cutting-edge AI with deep financial expertise to help businesses scale faster, smarter, and more securely. Our Vision & Mission Vision: To be the most trusted AI-driven partner for businesses in managing finance, credit, and growth. Mission: To simplify and democratize access to financial tools by leveraging AI, ensuring speed, accuracy, and trust in every transaction. Job Summary We are looking for a Credit Underwriter with 1 2 years of experience in business loan/SME loan underwriting . This role is central to maintaining the right balance between growth and risk by conducting in-depth credit evaluations, preparing credit notes, and tracking portfolio performance. You will also play a critical role in building strong credit practices and ensuring regulatory compliance. Where You Can Create Impact Credit Evaluation & Underwriting Assess applicant creditworthiness using financial statements, GST returns, bureau reports, and banking data. Prepare detailed Credit Appraisal Memos (CAMs) with comprehensive risk assessment and recommendations. Ensure adherence to internal credit policies and regulatory frameworks. MIS & Portfolio Management Maintain MIS reports on applications, sanctions, disbursements, and rejections. Track portfolio quality, monitor delinquency trends, and highlight early warning signals. Support monitoring of NPAs, OTS (one-time settlements), and collection-linked performance. Provide insights and reports to management for portfolio decision-making. Collaboration & Stakeholder Management Work closely with sourcing, operations, and collections teams for seamless decision-making. Share feedback with sourcing partners to improve application quality. Coordinate with auditors and compliance for timely data submissions. Requirements for the Role Graduate/Post-Graduate in Commerce, Finance, or related field. 1 2 years of experience in business loan or SME loan underwriting. Strong expertise in financial analysis, ratio analysis, and risk assessment. Sound knowledge of credit bureau reports and industry risk dynamics. Proficiency in MS Excel with strong MIS/reporting skills. Detail-oriented, analytical mindset with the ability to work under deadlines. Who You Are You are analytical and detail-oriented , always digging deep into data to identify risks and opportunities. You have a risk-first mindset , ensuring growth is balanced with compliance and quality. You thrive in fast-paced environments and can work under tight timelines without compromising accuracy. You value collaboration and believe in working closely with cross-functional teams to drive outcomes. You are curious and proactive , always seeking to improve processes and share insights with the team. Our Way of Life The Karbon Values C Collaborate to Win We win together, not alone. We listen, challenge with care, and move as one team. Speed and success come from trust and cross-functional teamwork. E Excel Relentlessly "Good enough" isn t good enough at Karbon. We push for world-class in everything we do. We learn fast, aim high, and turn feedback into fuel. O Own It End-to-End We think like founders. We take full responsibility for outcomes not just tasks. When things go wrong, we fix. No blame, no excuses just impact. Perks & Benefits: Upskilling Policy : Get access to courses, tools, and resources to keep learning and growing. Team Outings : Offsites and outings to celebrate milestones and build deeper bonds. Engagement Initiatives : Hackathons, open demos, and game nights designed to spark creativity and fun. Flexible Work-from-Home : While we follow a 5-day in-office setup, we know the value of occasional flexibility. Our WFH policy lets you go remote for up to 12 days every 6 months because we get that a change of scene helps you do your best work. Menstrual WFH : Women employees can avail up to 3 WFH days per month no questions asked. Mobility Benefits : Relocation support and travel allowance for smooth onboarding. Parental Support : Maternity, paternity, and adoption leave because your family matters.

POSITION SUMMARY: ISG seeks a candidate with extensive IT Finance experience around business case management, sourcing spend analysis, scenario analysis, ratio analysis, project accounting , invoice reviews and more.. This role bridges finance and technology, working with IT leadership to oversee budgeting, spend analysis, forecasting, vendor management, and financial reporting. ESSENTIAL JOB FUNCTIONS: Collaborate closely with the client leadership to support business objectives and operational goals. Develop, maintain, and report on financial and operational KPIs to monitor IT performance and cost-effectiveness. Take ownership of IT budgeting and forecasting, including capital (CapEx) and operating expenses (OpEx) tracking. Serve as a financial liaison for vendor relationships evaluation, budget approvals, contract review, and payments. Perform cost-benefit analyses for planned IT investments Monitor IT project and development spend, ensure timely reporting and variance analysis. Maintain accurate records of purchase orders, invoices, and vendor information, prepare reports and analysis on procurement activities Establish and maintain relationships with vendors, Evaluate vendor performance and identify opportunities for cost savings, Resolve vendor disputes and issues Create and maintain a comprehensive database with all financial documents and associated raw data Understand and apply sound financial governance principles supporting transparency, traceability and auditability of source documents and resulting financial reports and transactions. Interpret and apply contract language and standards to related financial activities and develop reports to monitor key financial elements of contracts. Standardize sourcing spend governance processes and templates. Ensure adherence to procurement and finance governance frameworks. Support audits with accurate, complete, and timely financial documentation. Support preparation of IT sourcing budgets and rolling forecasts. Track actual vs. planned spend and highlight variances with root cause analysis. Ensure accurate allocation of sourcing costs to consuming business units artner with sourcing teams to monitor savings commitments and track benefits realization. REQUIREMENTS: CA, CPA, Bachelor s Degree in commerce discipline with MBA in Finance (preferred) 10-12 years relevant experience Good knowledge on IT functions and its relevance to the financial management Strong understanding of purchasing and contract law Proficiency in Financial Analysis and Planning Working knowledge on different process applications including MS PowerPoint, Word, and Outlook Strong English language aptitude/proficiency: solid written /verbal communication

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting Analyst Qualifications: Any Graduation Years of Experience: 3 to 5 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. Roles and Responsibilities: In this role you are required to do analysis and solving of lower-complexity problems Your day to day interaction is with peers within Accenture before updating supervisors In this role you may have limited exposure with clients and/or Accenture management You will be given moderate level instruction on daily work tasks and detailed instructions on new assignments The decisions you make impact your own work and may impact the work of others You will be an individual contributor as a part of a team, with a focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

About The Role Skill required: Property & Casualty- Underwriting Support - Underwriting Designation: Underwriting New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help insurers redefine their customer experience while accelerating their innovation agenda to drive sustainable growth by transforming to an intelligent operating model. Intelligent Insurance Operations combines our advisory, technology, and operations expertise, global scale, and robust ecosystem with our insurance transformation capabilities. It is structured to address the scope and complexity of the ever-changing insurance environment and offers a flexible operating model that can meet the unique needs of each market segment.Define Insurance policy and calucating premium including terms and condition for P*CA process by which investment bankers raise investment capital from investors on behalf of corporations and governments that are issuing either equity or debt securities. Underwriting services are provided by some large specialist financial institutions, such as banks, insurance or investment houses, whereby they guarantee payment in case of damage or financial loss and accept the financial risk for liability arising from such guarantee. What are we looking for The process begins with a thorough assessment of operational performance, organizational structure, and revenue streams. This is followed by an in-depth analysis of credit ratings, financial strategy, and market risks. A comprehensive understanding of M&A implications, regulatory compliance, ownership structures, and stock performance is essential in identifying both financial strengths and vulnerabilities.This role demands a high level of financial expertise, positioning it as a niche and highly specialized field. Professionals in this domain integrate financial analysis, risk assessment, and regulatory compliance to evaluate a companys efficiency, profitability, and overall financial health.Candidates must possess proficiency in financial statement analysis, ratio analysis, and due diligence to ensure accurate risk assessments. Expertise in US GAAP compliance, industry-specific regulations, and macroeconomic trends is crucial for evaluating financial stability. Additionally, strong technical skills in Excel (including financial modeling and data analysis), and data visualization platforms like Power BI are essential for supporting data-driven decision-making. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation