123 Ratio Analysis Jobs - Page 5

Credit & Client Risk Management ( CCR ) is an integral part of CIB. The CCR mandate is to deliver best in class credit analysis, monitoring and credit administration work to Stakeholder. The role is responsible for conducting a thorough and comprehensive credit assessment of counterparty s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department. The role holder will be responsible for proactively managing the credit risk (monitoring and analysis) of a complex portfolio of Global Credit Markets (GCM) accounts in close co-ordination with the originating deal team. Key Responsibilities Conducting a thorough and comprehensive credit assessment of counterparty s credit profile, proposing internal corporate rating, assessment of sustainability & environment risk, fraud risk analysis, reputational risk and submitting the written recommendation for approvals to credit risk department for GCM accounts. Also, proactive management of the credit risk (monitoring and analysis) of a complex portfolio of GCM accounts. Strategy In line with GCM and Group Strategy. Business Proactive, comprehensive, and timely credit analysis through BCA renewals, quarterly performance reporting, waiver and amendment requests and documentation of credit events. Evaluation and understanding of risks associated with Financing Solutions/Leverage and Acquisition Finance/Project and Export Finance/Structured Finance assets, structural, contractual, and external risks. Financial analysis of a complex customer base using credit skills, ratio analysis, balance sheet and cashflow analysis. Project cash flow forecasting, financial modelling. Evaluation of security, including parental support. Evaluation of project company management and strategy. Risk/mitigation analysis - Sponsor risk, offtaker / market risk, industry risk, supplier risk, technology risk, and other project risks. Take the lead on waivers / consents / amendments / extensions, prepare credit papers and liaise with internal stakeholders (E. g. CREF, Credit, GCIG, Legal etc) for timely approval decisions to the client. Responsible for the accuracy of internal risk ratings and inputting financial and economic data in rating system. Working closely with onshore analysts and credit officers in respective regions to evaluate risk and to monitor a client portfolio. Participate in process improvement initiative of the team. Prepare & give domain specific presentations to team members for their knowledge enhancement. Processes Monitoring, review and reporting (where required) of covenanted items. Quarterly portfolio reporting. Portfolio Risk/Return analysis and profit optimisation. Timely response to portfolio related queries to other areas in the Bank. Accurate and timely responses to ad hoc reporting requests. Ensure that credit files are complete and maintained to an auditable standard. Timeliness and quality of credit analysis. Protection of the credit risk profile of the portfolio when making recommendations to credit; and Timeliness and accuracy in reporting. Active participation in projects which will impact upon the GCM Portfolio. Compliance with Bank policies and procedures. Governance Awareness and understanding of the regulatory framework, in which the Group operates, and the regulatory requirements and expectations relevant to the role. Responsible for delivering effective governance ; capability to challenge fellow executives effectively; and willingness to work with any local regulators in an open and cooperative manner. Regulatory & Business Conduct Display exemplary conduct and live by the Group s Values and Code of Conduct. Take personal responsibility for embedding the highest standards of ethics, including regulatory and business conduct, across Standard Chartered Bank. This includes understanding and ensuring compliance with, in letter and spirit, all applicable laws, regulations, guidelines and the Group Code of Conduct. Effectively and collaboratively identify, escalate, mitigate and resolve risk, conduct and compliance matters. Key stakeholders Credit Risk, GCM Business Partners, Loan Syndications, Credit Insurance, Audit Other Responsibilities Embed Here for good and Group s brand and values in PAM team globally; Perform other responsibilities assigned under Group, Country, Business or Functional policies and procedures Skills and Experience Ability to undertake credit analysis and evaluation and understanding of risks associated with Global Credit Market deals Financial analysis of a complex customer base using credit skills; ratio analysis; balance sheet and cashflow analysis; Oral and written communication skills Able to analyse excel-based financial models; Risk Management and Internal Controls Manage Conduct Compliance - Governance, Oversight and Control Business - Strategy and Model Business - Market Knowledge Qualifications Master s degree in Business/Finance/Accounting and/or professional certifications such as: CA/CFA/CPA or equivalent International CFA or equivalent MBA (Finance) from reputed (Tier 1 or Tier 2 institutes) Relevant experience in credit analysis and credit support roles in the CCIB or Global Banking Sector (minimum of 3 years preferred for Credit Analyst roles). Education certifications or qualifications are not mandatory if proven track record and sound knowledge gained by considerable experience in similar roles in other Banks or financial institutions or credit rating organisations. Knowledge of banking products, associated risks and relevant processes gained either in banking, treasury, or accounting roles in in the financial sector. Ability to hold dialogues with clients and external stakeholders as well as internally across all levels. Ability to deal with competing demands and multiple priorities within strict timelines. Proven ability to operate across cultures and within a diverse workforce. Ability to working in dynamic environment with a robust transformation agenda. Excellent oral & written communication and presentation skills. About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 170 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www. sc. com/careers 17394

Job Details Job Description: We are seeking a skilled and motivated Analyst III to join our finance team. The ideal candidate will have a strong background in financial analysis, accounting, and process improvement, with a focus on delivering actionable insights to drive business decisions. This role requires a detail-oriented individual who can manage multiple tasks while ensuring compliance with accounting standards and internal controls. Key Responsibilities: Financial Analysis : Conduct detailed financial analysis, including variance analysis, trend analysis, and ratio analysis. Identify key insights and trends to drive decision-making. Financial Statements : Assist with the preparation of financial statements such as income statements, balance sheets, and cash flow statements. Ensure accuracy and compliance with accounting standards. Budgeting and Forecasting : Collaborate with cross-functional teams to develop annual budgets and forecasts. Monitor actual performance against budgeted targets and provide insights on deviations. Cash Flow Management : Monitor cash flow by analyzing cash inflows and outflows. Identify potential risks or opportunities related to working capital management. Provide recommendations for optimizing cash flow. Intercompany Billings : Assist in managing intercompany transactions and billings between various entities within the organization. Ensure accurate recording of intercompany revenue and expenses. Financial Modeling : Develop financial models to evaluate business initiatives, investment opportunities, or potential scenarios. Perform sensitivity analyses to assess the impact of various factors on financial outcomes. Cost Analysis : Analyze cost structures to identify areas for cost reduction or optimization. Collaborate with stakeholders to implement cost-saving measures while maintaining operational efficiency. Financial Reporting : Prepare regular financial reports for management review, including key performance indicators (KPIs) and financial metrics. Present findings in a clear and concise manner. Compliance and Audit Support : Assist in ensuring compliance with applicable laws, regulations, and internal controls related to finance operations. Support internal audits or external audits as required. Process Improvement : Continuously evaluate existing finance processes and systems for efficiency improvements or automation opportunities. Implement best practices to enhance productivity within the finance function. Fixed Assets Accounting : Maintain Fixed Assets Register (FAR) in SAP in accordance with US GAAP and Indian GAAP. Ensure accurate recording and reporting of fixed asset transactions. SAP Knowledge : Maintain working knowledge of SAP ECC to facilitate financial reporting and analysis. . Work experience and Qualifications: Bachelor s degree in finance, Accounting, or a related field Chartered Accountant qualification is required. 2+ years of experience for CA candidates or 5+ years of experience for non-CA candidates Core accounting functions Month-end closing processes GCC finance operations role Proficiency in SAP/ERP systems and Excel Fixed asset accounting management Overview of accounts payable Internal and statutory audit experience What Cencora offers Benefit offerings outside the US may vary by country and will be aligned to local market practice. The eligibility and effective date may differ for some benefits and for team members covered under collective bargaining agreements. Full time Affiliated Companies Affiliated Companies: CENCORA BUSINESS SERVICES INDIA PRIVATE LIMITED Equal Employment Opportunity Cencora is committed to providing reasonable accommodations to individuals with disabilities during the employment process which are consistent with legal requirements. If you wish to request an accommodation while seeking employment, please call 888.692.2272 or email hrsc@cencora.com . We will make accommodation determinations on a request-by-request basis. Messages and emails regarding anything other than accommodations requests will not be returned

Our team members are at the heart of everything we do. At Cencora, we are united in our responsibility to create healthier futures, and every person here is essential to us being able to deliver on that purpose. If you want to make a difference at the center of health, come join our innovative company and help us improve the lives of people and animals everywhere. Apply today! Job Details Job Description: We are seeking a skilled and motivated Analyst III to join our finance team. The ideal candidate will have a strong background in financial analysis, accounting, and process improvement, with a focus on delivering actionable insights to drive business decisions. This role requires a detail-oriented individual who can manage multiple tasks while ensuring compliance with accounting standards and internal controls. Key Responsibilities: Financial Analysis : Conduct detailed financial analysis, including variance analysis, trend analysis, and ratio analysis. Identify key insights and trends to drive decision-making. Financial Statements : Assist with the preparation of financial statements such as income statements, balance sheets, and cash flow statements. Ensure accuracy and compliance with accounting standards. Budgeting and Forecasting : Collaborate with cross-functional teams to develop annual budgets and forecasts. Monitor actual performance against budgeted targets and provide insights on deviations. Cash Flow Management : Monitor cash flow by analyzing cash inflows and outflows. Identify potential risks or opportunities related to working capital management. Provide recommendations for optimizing cash flow. Intercompany Billings : Assist in managing intercompany transactions and billings between various entities within the organization. Ensure accurate recording of intercompany revenue and expenses. Financial Modeling : Develop financial models to evaluate business initiatives, investment opportunities, or potential scenarios. Perform sensitivity analyses to assess the impact of various factors on financial outcomes. Cost Analysis : Analyze cost structures to identify areas for cost reduction or optimization. Collaborate with stakeholders to implement cost-saving measures while maintaining operational efficiency. Financial Reporting : Prepare regular financial reports for management review, including key performance indicators (KPIs) and financial metrics. Present findings in a clear and concise manner. Compliance and Audit Support : Assist in ensuring compliance with applicable laws, regulations, and internal controls related to finance operations. Support internal audits or external audits as required. Process Improvement : Continuously evaluate existing finance processes and systems for efficiency improvements or automation opportunities. Implement best practices to enhance productivity within the finance function. Fixed Assets Accounting : Maintain Fixed Assets Register (FAR) in SAP in accordance with US GAAP and Indian GAAP. Ensure accurate recording and reporting of fixed asset transactions. SAP Knowledge : Maintain working knowledge of SAP ECC to facilitate financial reporting and analysis. . Work experience and Qualifications: Bachelor s degree in finance, Accounting, or a related field Chartered Accountant qualification is required. 2+ years of experience for CA candidates or 5+ years of experience for non-CA candidates Core accounting functions Month-end closing processes GCC finance operations role Proficiency in SAP/ERP systems and Excel Fixed asset accounting management Overview of accounts payable Internal and statutory audit experience What Cencora offers Benefit offerings outside the US may vary by country and will be aligned to local market practice. The eligibility and effective date may differ for some benefits and for team members covered under collective bargaining agreements. Full time Affiliated Companies Affiliated Companies: CENCORA BUSINESS SERVICES INDIA PRIVATE LIMITED Equal Employment Opportunity Cencora is committed to providing equal employment opportunity without regard to race, color, religion, sex, sexual orientation, gender identity, genetic information, national origin, age, disability, veteran status or membership in any other class protected by federal, state or local law. Cencora is committed to providing reasonable accommodations to individuals with disabilities during the employment process which are consistent with legal requirements. If you wish to request an accommodation while seeking employment, please call 888.692.2272 or email hrsc@cencora.com . We will make accommodation determinations on a request-by-request basis. Messages and emails regarding anything other than accommodations requests will not be returned

*Role Overview:* The role involves end-to-end business development for real estate projects, including sourcing and evaluating land deals, conducting due diligence, and managing partnerships. The candidate will be responsible for identifying strategic opportunities, evaluating potential partners, and leading the transaction process from initiation to closure across key North India markets. Key Responsibilities: * Source new land and redevelopment opportunities across North India, particularly in NCR regions such as Noida, Greater Noida, Gurgaon, Ghaziabad, and Delhi. * Conduct detailed market research, feasibility studies, and competitive analysis. * Evaluate potential JV/JD/Outright opportunities through financial modeling and risk assessment. * Lead deal negotiations with landowners, promoters, brokers, and other stakeholders. * Coordinate technical, legal, and commercial due diligence with internal and external teams. * Support the drafting and finalization of legal agreements including MoUs, term sheets, and other transaction-related documentation. * Build and nurture strong relationships with local stakeholders, including IPCs, land aggregators, and local authorities. Essential Skills: * *Financial Acumen:* Strong understanding of financial statements, project IRRs, sensitivity analysis, and deal structuring. * *Financial Modeling:* Proficient in DCF, ratio analysis, and land valuation techniques. * *Regulatory Knowledge:* Familiarity with land acquisition rules, zoning regulations, RERA guidelines, and local municipal norms across NCR. * *Legal Understanding:* Good grasp of title due diligence, ownership documents, land-related legal structures, and MoUs. * *Negotiation Skills:* Ability to lead and close complex negotiations with multiple stakeholders. Preferred Skills: * *Regional Expertise:* Deep knowledge of North India real estate markets including DDA, GNIDA, HUDA, YEIDA, and other regional planning authorities. * *Network:* Strong network of landowners, brokers, IPCs, and developers in the NCR and surrounding regions. * *Legal and Municipal Awareness:* Working knowledge of state-specific land laws and conversion norms applicable in the northern region.

Financial Spreading (Sr. Associate/ Delivery Lead) Job Location - Gurgaon (Work from office) Job Purpose We are looking for a dedicated and motivated individual who has strong technical, analytical and organizational skills for our Lending Services team. Key Responsibilities Analyzing and spreading the financial statements in Moodys Risk Analyst (MRA) / Creditlens / client customized templates Analysis of financial statements including Income statement, Balance Sheet & cash flow of public & private companies for the credit appraisal process Going through the supplementary schedules, notes and MD&A for the detailed breakups and adjustments Normalizing the financial statement for exceptional and non-recurring items to arrive at the true profitability figures Calculating the Adjusted Net Worth, Recurring Cash Flows, Annual Debt Service, Contingent Liabilities, Custom Ratios and other financial metrics Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting. Conduct detailed quality checks of client deliverables The candidate should possess reasonable knowledge of the banking processes related to commercial lending, especially corporate loans. Key Competencies MBA (Finance) / CA (CPA equivalent) / CFA Experience of 6-10 years in spreading Proven track record of process handling and client management Proficient in Advanced MS Excel Prior experience of working on Moodys Risk Analyst (MRA) is preferred Excellent written and spoken communication skills

2025 graduate can also apply Good communication required Analyzes financial status by collecting, monitoring, and studying data; recommending actions Maintains database by entering, verifying, and backing up data Please apply for the job in Naukri.com. We will check & will update you. Do not search the number in Google and do not call us. The requirements are not yet active from Client's side.

Senior Credit Analyst Insurance (Financial Modelling) – 2 Years – Pune Location – Pune (Hybrid) An excellent opportunity to join a global credit risk team, where you will support insurance sector analysis across North American and European markets. This role blends financial modeling, regulatory tracking, and client interaction in a hybrid work environment. Your Future Employer – A globally respected analytical and ratings powerhouse with a strong presence in financial markets, known for insight-driven credit evaluation and decision support. Responsibilities – Support global credit analysts in tracking and analysing the creditworthiness of insurance companies. Monitor industry trends and regulatory changes in global insurance markets to proactively identify credit triggers. Perform in-depth financial analysis, build models, projections, and conduct peer benchmarking . Draft internal credit assessment packs and assist in creating publishable credit rating reports. Collaborate effectively with international clients and stakeholders while ensuring process and compliance adherence. Requirements – 2–5 years of experience in credit risk analysis , insurance sector research , or financial institutions analysis . Expertise in financial modelling and interpretation of international financial statements. Strong verbal and written communication for report writing and stakeholder collaboration. Familiarity with insurance KPIs, regulatory frameworks, and credit ratings methodology. MBA (Finance, Full-time) or CA – mandatory. What is in it for you – Work with a global insurance analytics team . Exposure to international credit markets and rating methodologies. Build deep sectoral knowledge across leading insurance firms. Flexible hybrid working model with learning-focused culture. Reach us – If you believe this role matches your career path, send your updated CV to parul.arora@crescendogroup.in for a confidential discussion. Disclaimer – Crescendo Global is a niche recruitment firm specializing in senior and leadership hiring. We value diversity and inclusion and provide equal opportunities for all qualified applicants. Note – We receive a large volume of applications daily. If you do not hear back from us within 1 week, please consider your application not shortlisted. Your patience is appreciated. Profile Keywords – Credit Risk Analyst, Insurance Analytics, Financial Modelling Jobs, Credit Research, Credit Rating Jobs, CA Analyst Jobs, MBA Finance Roles, Insurance Domain Jobs, Credit Assessment, Financial Analysis, Pune Hybrid Jobs, Crescendo Global Jobs

We are looking for a highly skilled and experienced Transaction Advisory Services Associate to join our team in Bengaluru. The ideal candidate will have 6-11 years of experience in financial due diligence, preferably with Big 4 or equivalent transaction advisory services practice. Roles and Responsibility Prioritize data from financial reports into Excel workbook analyses to guide U.S.-based engagement teams. Prepare and update document request lists and management meeting agendas for seamless communication. Participate in management meetings with the Target Company and discussions with the Client to build strong relationships. Assist in preparing Quality of Earnings adjustments, Net Working Capital analyses, and identifying Debt-like Items. Review and verify final client reports for accuracy. Remotely work and coordinate with RSM consulting professionals, supervisors, and senior management daily, including early morning and late evening conference calls. Job Requirements Relevant experience in Big 4 or equivalent transaction advisory services practice. Qualification: CA/CPA/MBA finance. Strong analytical skills, including operational and financial analysis, benchmarking, and trend analysis. Excellent verbal and written communication skills. Ability to prepare industry-specific and other ad hoc analyses for asset management, insurance, and specialty finance industries. Advanced Excel skills (vlookups, pivot tables, and advanced formulas), Word, and PowerPoint skills. Understanding of financial statements, financial ratio analysis, U.S. GAAP accounting standards, and financial concepts. Proficient knowledge of technology tools like Alteryx. Demonstrates critical thinking, problem identification, resolution, and process improvement skills. Exceptional performance is expected in current position. Excellent interpersonal and communication skills are needed to interact effectively with internal team members and external clients. Willingness to invest time in communication with U.S.-based teams. Self-motivated and confident when interacting with team members, clients, and asking questions. Able to work within tight deadlines and take responsibility for timely task completion.

At Allstate, great things happen when our people work together to protect families and their belongings from life s uncertainties. And for more than 90 years our innovative drive has kept us a step ahead of our customers evolving needs. From advocating for seat belts, air bags and graduated driving laws, to being an industry leader in pricing sophistication, telematics, and, more recently, device and identity protection. Job Description This is a general accounting role in the European Financial control team based in our Indian based team of five people. The main focus will be assisting with our accounts payable team with the inventory and claim settlements process from receipt of large bordereaux data through to settling the final invoice to our vendors and booking in our ledger. There will also be involvement in other areas of the finance team such as assisting with balance sheet reconciliations and initiatives to automate aspects of the process and some claims loss ratio analysis. The role will deal in multiple markets and currencies around Europe. You will be working within a dynamic finance team with lots of exciting projects and developments in a business which is growing rapidly. Key Responsibilities Assisting with reviewing claim and inventory data files with inputs from third party vendors to prepare payment amounts and initiate the payment process Assisting with preparation balance sheet reconciliations of inventory, claims paid and other insurance recoveries Monthly reconciliations to supplier statements Provide support for . One that takes your skills and pushes them to the next level. One that encourages you to challenge the status quo. And one where you can impact the future for the greater good. You ll do all this in a flexible environment that embraces connection and belonging. And with the recognition of several inclusivity and diversity awards, we ve proven that Allstate empowers everyone to lead, drive change and give back where they work and live. Good Hands. Greater Together. The Allstate Corporation is one of the largest publicly held insurance providers in the United States. Ranked No. 84 in the 2023 Fortune 500 list of the largest United States corporations by total revenue, The Allstate Corporation owns and operates 18 companies in the United States, Canada, Northern Ireland, and India. Allstate India Private Limited, also known as Allstate India, is a subsidiary of The Allstate Corporation. The India talent center was set up in 2012 and operates under the corporations Good Hands promise. As it innovates operations and technology, Allstate India has evolved beyond its technology functions to be the critical strategic business services arm of the corporation. With offices in Bengaluru and Pune, the company offers expertise to the parent organization s business areas including technology and innovation, accounting and imaging services, policy administration, transformation solution design and support services, transformation of property liability service design, global operations and integration, and training and transition. Learn more about Allstate India here .

We're looking for a dynamic Research Analyst to dive deep into the Energy, Renewable Energy and Power sector , delivering actionable insights and engaging sector updates for high-impact client interactions. Location- Mumbai Your Future Employer: A leading research and analytics powerhouse shaping decisions across industries and economies. Responsibilities: 1. Analyzing daily sectoral trends and energy-related developments to provide timely insights. 2. Preparing reports and presentations on the energy sectors outlook, sub-segments, and market dynamics. 3. Building financial and analytical models to support data-driven research narratives. 4. Delivering tailored research solutions for clients, including large corporates, PSUs, and financial institutions. 5. Collaborating on cross-sectoral initiatives and supporting internal teams with data and insights. Requirements: 1. Postgraduate degree or higher in a relevant field. 2. 2-10 years of experience in research or analytics (preferably in energy, power, or renewables). 3. Financial modelling and data interpretation skills. 4. Expertise in industry research, secondary research, and market evaluation. 5. Team player with strong communication and presentation abilities. What’s in it for you? Work at the forefront of India’s energy transition with diverse stakeholders, actionable insights, and a collaborative culture. Reach Us: If you feel this opportunity is well aligned with your career progression plans, please feel free to reach me with your updated profile at vanika.arora@crescendogroup.in for a confidential discussion on role.

Key Responsibilities: Analyze financial data and prepare reports (CMA/DPR) Conduct benchmarking, cost analysis, and financial modeling Evaluate financing options and identify risks/opportunities

NOW HIRING: Consultant Credit | Where Numbers Tell the Real Story! Ever looked at a Balance Sheet and felt like it spoke to you? Can you spot red flags in financials before anyone else does? Do you believe credit isn't just about numbers—but narratives and nuance? If yes, then this role is your calling. Who We’re Looking For: A sharp finance professional with: A degree in B.Com, CA (Inter), or MBA (Finance) Deep understanding of financial statements (Ind AS & IGAAP) Mastery of ratios, Excel, and financial modeling Jedi-like time management and multitasking skills An eye for detail and a nose for risk What You'll Do: Uncover the story behind the numbers – analyze P&L, BS, and cash flows Evaluate business models, industries, and promoter backgrounds Prepare and present credit appraisals that drive real lending decisions Recommend strategies to protect and grow our portfolio This isn’t just credit analysis. This is financial storytelling. Interested? Tag someone who fits the bill Or send in your resume to: kanimozhi.p@kiya.ai Bring: Your updated resume and a passion for finance! Let’s turn insights into impact. One financial statement at a time.

In this role, you will: Provide support in the editing and publishing functions within the Global Research and Economics Group in Wells Fargo Securities Generate research packet products, post research documents to market data vendors, update and maintain mailing lists, and provide client access to web sites Assign reports to Editors and Supervisory Analysts to ensure the most efficient use of resources Maintain databases Receive direction from leaders Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements Collaborate and consult with peers, colleagues and managers to resolve issues and achieve goals Required Qualifications: 2+ years of Securities Research experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Work on various Corporate Banking work streams across Industrials sub-sectors including Capital Goods & Services, Forestry, Paper & Packaging, Chemicals, Metals & Mining, Building Products & Homebuilding, Aerospace & Defense, Transportation & Logistics Support the Credit underwriting/debt raise/refinance transactions and the associated credit review process, including: Assisting the Portfolio Management ("PM") work streams viz preparation of credit memos and annual review components, performing financial analysis/modeling, tracking portfolio companies quarterly/annual financial performance, conducting market or sector research, company research, industry peer analysis and borrower credit ratings Assisting Relationship Management ("RM") workstreams viz. preparation of client origination pitching materials, performing capital structure and liquidity analysis, debt capitalization, peer benchmarking, relationship snapshot, amongst others Develop sector expertise and generate sector insights; prepare market/sector updates to keep a track of key developments Develop excellent working knowledge of market databases including FactSet, Refinitive, Moody's, S&P, etc. Interact with multiple stakeholders to achieve the desired goal Job Expectations: MBA, CA, CFA or masters in finance from a premier education institute 2+ years experience in Corporate Banking, Credit research or Debt advisory Strong inclination towards building a career in Corporate Banking with experience in working in any of the Industrials sub-sectors Good understanding of Credit metrics, Covenants, Capital structure, financial statement and ratio analysis Impeccable communication and interpersonal relationship skills with the ability to interact with senior professionals and key stakeholders Strong logical, analytical skills and a systematic problem-solving approach Ability to proficiently use Microsoft Office Applications Power Point and Excel Strong time management skills and ability to work under pressure and meet strict deadlines Attention to detail and ability to ensure high quality of deliverables Ability to interact with integrity and a high level of professionalism with all levels of team members and management Results driven, accountable and ability to work with multiple priorities in a fast-paced and results-driven environment Exp.- 6 months-5yrs

Role & responsibilities Formulate and improvise the credit policy, in consultation with Risk and Credit Committee, from time to time. To constantly engaged with partners for smooth flow of accurate information. To review the credit appraisal memo and guide the team for improvisation. To present the CAM with Credit Committee. To prepare and compile MIS on the basis of credit findings To carry out the Due diligence of customer on which exposure significant or found something alarming while apprising the customer. To constantly engaged with peers for gathering market intelligence.

Basic Section No. Of Position 1 Grade NA Level Analyst, Credit Organisational BUSINESS Birla Pivot BUSINESS_UNIT-1 Birla Pivot BUSINESS_UNIT-2 Birla Pivot BUSINESS_UNIT-3 Birla Pivot DEPARTMENT-1 Birla Pivot Partners Country India State Karnataka Worksite Bangalore Industry -- Function Strategy & Planning Skills Skill Underwriting Unsecured Loan Minimum Qualification Bachelor Of Commerce (Honours) CERTIFICATION No data available About The Role Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis: Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation and Due Diligence: Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication and Reporting: Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring: Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelors degree in finance, Accounting, Economics, or related field required, masters degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals.

Job Title: Corporate Finance Manager Location: Bangalore, India Job Summary: We are seeking a highly skilled and motivated Corporate Finance Manager to join our dynamic team. The ideal candidate will be responsible for managing the financial planning and analysis, budgeting, forecasting, financial reporting processes, supporting investor relations, and driving business intelligence (BI) automation initiatives. This role requires a strategic thinker with strong analytical skills and the ability to work collaboratively across departments. Key Responsibilities: Financial Planning & Analysis: Lead the financial planning and analysis process, including the development of annual budgets, quarterly forecasts, and long-term financial plans. Budgeting & Forecasting: Prepare and manage the company's budget, ensuring alignment with strategic goals and objectives. Monitor and report on budget variances and recommend corrective actions. Financial Reporting: Oversee the preparation of accurate and timely financial reports, including monthly, quarterly, and annual financial statements. Ensure compliance with accounting standards and regulatory requirements. Strategic Financial Management: Provide financial insights and recommendations to support strategic decision-making. Analyze financial performance, identify trends, and develop strategies to improve financial outcomes. Cost Optimization: Identify opportunities for cost savings and efficiency improvements. Implement cost control measures and monitor their effectiveness. Investment Analysis: Evaluate potential investment opportunities, conduct financial due diligence, and prepare investment proposals. Monitor the performance of existing investments and recommend adjustments as needed. Risk Management: Assess financial risks and develop strategies to mitigate them. Ensure adequate internal controls are in place to safeguard company assets. Investor Relations: Support investor relations activities by preparing financial presentations, reports, and other materials for investors. Assist in responding to investor inquiries and maintaining positive relationships with stakeholders. BI Automation: Drive business intelligence automation initiatives to enhance data analysis and reporting capabilities. Implement and manage BI tools and systems to streamline financial processes and improve decision-making. Team Leadership: Manage and mentor a team of finance professionals. Foster a collaborative and high-performance work environment. Qualifications: Education: Bachelor's degree in Finance, Accounting, or a related field. A Master's degree or professional certification (e.g., CFA, CPA) is preferred. Experience: Minimum of 2 years of experience in corporate finance, financial planning and analysis, or a related field. Experience in a leadership role is highly desirable. Skills: Strong analytical and problem-solving skills. Excellent communication and presentation skills. Proficiency in financial modeling and analysis. Advanced knowledge of financial software and tools (e.g., Excel, SAP, Oracle). Experience with BI tools and automation (e.g., Power BI, Tableau). Ability to work effectively in a fast-paced and dynamic environment. Strong attention to detail and accuracy. Key Competencies: Strategic Thinking Financial Acumen Leadership and Team Management Communication and Interpersonal Skills Problem-Solving and Decision-Making Adaptability and Flexibility

Role - Fixed Income Research Employment type - Retainer (Fixed term contract) extendable Experience: 0-3 years Location - Mumbai This is a 1 year contractual position (extendable). Functional Responsibility/ Domain Related: Valuations of various Indian debt instruments including corporate bonds, money market instruments, market linked debentures, etc. Construction and review of yield curve across issuers, sectors and rating categories. Establishing a strong network for polling across market participants - mutual funds, insurance companies, banks, primary dealers, brokers, AIFs, arrangers and other active investor/ trader segments, etc. Fundamental assessment-based valuations for debt securities. Creating a comprehensive database for private credit market and generating product offerings from the same. Sourcing and analyzing trades/pricing data received from various market sources (exchanges, asset managers etc.) for the purpose of valuations. Preparation of ad-hoc analytical report for the purpose of senior management and/or for external agencies. Preparation and maintenance of documentation related to valuations. Assistance in development, testing, and maintenance of various in-house applications. Desirable Skills: B.Com/ BMS Finance/ BFM/ BAF/ Economics Graduate and similiar. Fixed income dealing experience in CP, CD and corporate bonds in Indian debt markets. Strong connect with market participants including fund managers, arrangers, PDs, issuers, brokers, etc. Analytical inclination and fixed income fundamentals knowledge. Strong oral, written and presentation skills Fixed income market understanding. Working knowledge of MS office products, python and VBA. Sound knowledge of financial statements and ratio analysis.

Role & responsibilities The Candidate Must have following ability: Independent working ability, Sound knowledge in Accounts & Finance, Knowledge of Preparation of Budget, Projection, Knowledge of Banking, Ability to handle a 4 to 5 person team.

Role & responsibilities Job Description: Budgeting, forecasting, variance analysis. Month-end close activities (accruals, revenue & expense re-classes) Create detailed financial reports and graphical presentation to support strategic decision-making. Collaborate with regional stakeholders to understand major changes or adjustments needed. Develop, update, and maintain financial models and forecasts. Produce weekly and monthly financial reporting for senior management. Understand business trends and accounting principles to provide accurate financial forecasts. Identify opportunities for process improvements within the FP&A function. Leverage technology and tools, including MS Excel and Power BI, to enhance financial reporting and analysis. Must have skills: Advance Excel Financial Modelling Variance Analysis Budgeting & Forecasting Good to have skills Communication Skills CA, CFA, plus

About Citco: The market leader. The premier provider. The best in the business. At Citco, we ve been the front-runner in our field since our incorporation in 1948 led to the evolution of the asset servicing sector itself. This pioneering spirit continues to guide us today as we innovate and expand, push beyond the boundaries of our industry, and shape its future. From working exclusively with hedge funds to serving all alternatives, corporations and private clients, our organization has grown immensely across asset classes and geographies. For us, this progress is a pattern that we ll only maintain as we move forward, always prioritizing our performance. So for those who want to play at the top of their game and be at the vanguard of their space, we say: Welcome to Citco. About the Team & Business Line: 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 Our Benefits Your wellbeing is of paramount importance to us, and central to our success. We provide a range of benefits, training and education support, and flexible working arrangements to help you achieve success in your career while balancing personal needs. Ask us about specific benefits in your location. We embrace diversity, prioritizing the hiring of people from diverse backgrounds. Our inclusive culture is a source of pride and strength, fostering innovation and mutual respect. Citco welcomes and encourages applications from people with disabilities. Accommodations are available upon request for candidates taking part in all aspects of the selection. 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.

Conduct comprehensive credit analyses and assessments to evaluate borrower creditworthiness, support informed lending decisions, and ensure the maintenance of a high-quality books of accounts. Key Responsibilities Credit Assessment: Analyse credit applications and financial statements to assess the creditworthiness of buyers, evaluating factors such as income, assets, liabilities, and payment history. Utilize credit scoring models and risk assessment tools to evaluate credit risk and recommend appropriate credit limits and terms. Financial Analysis: Conduct comprehensive financial analyses, including cash flow analysis, ratio analysis, and trend analysis, to evaluate the financial health and stability of buyers. Identify potential credit risks and red flags, highlighting areas of concern and recommending mitigating actions to the Lead Underwriter. Documentation and Due Diligence: Ensure accuracy and completeness of credit documentation, credit reports, and supporting financial documents. Perform due diligence checks on buyers, verifying information provided and conducting background checks as necessary to assess credit risk accurately. Communication and Reporting: Communicate credit decisions, recommendations, and risk assessments effectively to the Lead Underwriter and other relevant stakeholders. Prepare comprehensive credit analysis reports and presentations, summarizing findings, conclusions, and recommendations for review and approval. Portfolio Monitoring: Monitor the credit portfolio for early warning signs of credit deterioration, delinquencies, and defaults, escalating issues to the Lead Underwriter as appropriate. Assist in the ongoing monitoring and management of existing credit exposures, including periodic review of credit limits and terms. Qualification & Skills Bachelor s degree in finance, Accounting, Economics, or related field required, master s degree preferred. Minimum of 3 years of experience in credit analysis, banking, or financial services industry. Strong analytical skills, with the ability to interpret financial data, conduct financial analyses, and assess credit risk accurately. Exceptional attention to detail, with a focus on accuracy and precision in credit analysis and documentation. Excellent verbal and written communication skills, with the ability to convey complex information clearly and concisely. Ability to work effectively in a team environment, collaborating with colleagues and stakeholders to achieve common goals. Qualifications: Bachelor Of Commerce (Honours) Minimum Experience Level: 3-5 Years Report to: NA

About the company At SBI Card, the motto Make Life Simple inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone. SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, colour, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work. What s in it for YOU SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees Dynamic, Inclusive and Diverse team culture Gender Neutral Policy Inclusive Health Benefits for all - Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits Commitment to the overall development of an employee through comprehensive learning & development framework Role Purpose The role is responsible to perform accounting and bookkeeping activities, balance sheet reconciliations and collaborate with auditors in order to ensure timely account closing and reporting in accordance with the guidelines and best practices followed by the organization. Role Accountability Closing of books of accounts and Reporting Preparation of Balance Sheet, Profit and loss statement in line with Ind AS guideline. Capital Risk Adequacy Ration in line with RBI Master direction applicable for NBFC for each reporting date Preparation of Balance Sheet Pack for CFO and Controller Review Preparation of P & L dashboard for monthly review Prepare ratio analysis for ad hoc reporting to RBI/SBI Assists in preparing Schedules/notes in relation to annual financial statement Prepare Open items for ORMC reporting Audit coordination Coordinate with peer department for information related to qtrly/annual audit [RBI/CAG/Statutory audit] Coordinate with RISK/CS/Treasury to arrange data for adhoc audit queries from regulator. Measures of Success Timely closure of monthly/quarterly books and reviews Timely closure of audits Zero unreconciled accounts and no aged open items Compliance to prescribed internal control, laid down policies and procedures Timely and accurate updation of process documentation Process Adherence as per MOU Technical Skills / Experience / Certifications Knowledge of closing and reporting Knowledge of Indian GAAP, new Ind-AS and Regulatory requirements for NBFC Competencies critical to the role Process Orientation Detail Orientation Quantitative Ability Qualification CA Preferred Industry FSI

Cash Flow Management - Monitor and analyze daily cash flow positions. - Forecast month cash requirements and inflows for financing decision making. - Oversee all components of the organizations cash flows. - Prepare and present periodic cash flow reports to management. - Collaborate with internal departments to assess cash needs. - Track and manage bank balances, ensuring availability of funds for short-term obligations. - Analyze free cash available at SPVs and follow up with various stakeholders for upstreaming same. - Review and reconcile cashflow reports prepared by banking team on a daily/weekly/monthly basis. - Track and analyze the impact of operational changes on cash flow. - Identify trends in cash flow and highlight areas of concern or potential improvement. - Provide recommendations for optimizing cash flow and financing efficiency. - Manage relationships with financial institutions and negotiate credit facilities. - Develop and maintain detailed cash flow forecasts and variance analyses. - Participate in Working capital Debt raising from Banks/Financial Institutions - Reach out to potential lenders - Banks, NBFCs and other Financial Institutions for working capital requirements. - Servicing of Debt Facilities: Coordinating with internal team for timely repayment of debt - Resolving any issues that may arise in debt servicing. - Compliance: Sharing information with lender partners and trustees for monthly, quarterly, half-yearly and yearly compliances. - Monitoring of covenants of Banks and ensuring compliance of requirements of Banks (viz Stock statement, USFE, Half Yearly submission etc). - Functional understanding of Business Models, financial statements and ratios, Have exposure of multi-locational cash flow - Understanding of credit rating and sharing financial, operational information with CRA s for availing credit ratings. - CMA preparation, MIS, Ratio analysis, Cost Benefit analysis, Budget analysis etc. - Good MS Excel, MS Word, Power Point skills. - Submission and review of Key MIS covering all the deliverables at monthly level - Compliance: Sharing information with lender partners and trustees for monthly, quarterly, half-yearly and yearly compliances. - Monitoring of financial and information covenants of Banks and ensuring compliance of requirements of Banks