198 Ratio Analysis Jobs - Page 7

We are seeking a dynamic and results-driven Sales Director to drive our sales efforts in delivering innovative credit underwriting and risk assessment solutions to Banks/Fintech/NBFC/FIs. The ideal candidate will have extensive experience in sales leadership within the fintech, banking, or financial services industry, with a proven track record of driving revenue growth, building strong client relationships, and leading high-performing sales teams. The Regional Head will be responsible for developing and executing a strategic sales plan for South India (Southern Region), 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. Education: Bachelor/masters degree in business/ finance/economics or Chartered Account/CFA. Key Responsibilities: Develop and execute a comprehensive sales strategy to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Need to chalk out plan for 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 our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties 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 10+ 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 to 3 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. Well-versed in other key factors such as GST, external ratings, legal matters, and other related parameters that influence credit assessments. 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.

Key Responsibilities: Develop and execute a comprehensive sales strategy to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Need to chalk out plan for 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 our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties 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 10+ 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 to 3 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. Well-versed in other key factors such as GST, external ratings, legal matters, and other related parameters that influence credit assessments. 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.

We are seeking a dynamic and results-driven Sales Director to drive our sales efforts in delivering innovative credit underwriting and risk assessment solutions to Banks/Fintech/NBFC/FIs. The ideal candidate will have extensive experience in sales leadership within the fintech, banking, or financial services industry, with a proven track record of driving revenue growth, building strong client relationships, and leading high-performing sales teams. The Regional Head will be responsible for developing and executing a strategic sales plan for South India (Southern Region), 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. Position: Sales Director Growth Location: Mumbai Mode of working: Work from office, Frequent travel. Education: Bachelor/masterdegree in business/ finance/economics or Chartered Account/CFA. Key Responsibilities: Develop and execute a comprehensive sales strategy to drive the growth of our credit underwriting and risk assessment solutions within the financial services sector including Banks/NBFC/Fintech/FI. Need to chalk out plan for 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 our products Vs competitor activity to refine product positioning and sales messaging. Lead negotiations with clients, ensuring favorable terms and conditions for both parties 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 10+ 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 to 3 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. Well-versed in other key factors such as GST, external ratings, legal matters, and other related parameters that influence credit assessments. 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.

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 17407

Overview Keysight is on the forefront of technology innovation, delivering breakthroughs and trusted insights in electronic design, simulation, prototyping, test, manufacturing, and optimization. Our ~15,000 employees create world-class solutions in communications, 5G, automotive, energy, quantum, aerospace, defense, and semiconductor markets for customers in over 100 countries. Learn more about what we do. Our award-winning culture embraces a bold vision of where technology can take us and a passion for tackling challenging problems with industry-first solutions. We believe that when people feel a sense of belonging, they can be more creative, innovative, and thrive at all points in their careers. Responsibilities Subsidiary-level financial statement analysis through periodic variance analysis of PL, B/S and Opex, ratio analysis and other risk indicator techniques. Screen, assess and escalate potential risk situations and seek resolution. Establish a bridge between applicable Local GAAP and USGAAP reporting requirements. Drive/Support statutory audit for assigned legal subsidiaries. It includes generating Audit schedules, Analytics packs, LLGAAP-compliant financial statements and subsequent query resolution. The incumbent is expected to front-end the relationship with the Hub-based USGAAP auditors and actively support the on-site local auditors. Drive closure on month-end close issues, and collaborate with stakeholders and respective KBF functions to address compliance concerns. Partner with on-site GFRC (Country Controllership Org.) teams to achieve the organisation s objectives of financial statement compliance. Handle stakeholder relationships for relatively complex entities with minimal supervisory support. Support country teams in preparing and filling out their business surveys. Identify opportunities for process automation and efficiency improvements. Qualifications CA with 0-1 years of experience or a Master s degree in Accounting, Finance, or a related field (MBA, ICWA, ACCA, or equivalent is a plus) requires a minimum of 2-3 years of corporate experience in accounting, finance, or controllership roles. Technical Skill Good Accounting and Analytical Skills. Good in MS Excel. Working experience with ERP systems (SAP, Oracle and One-stream will be preferred). Soft Skills Good communication and interpersonal skills. Ability to work independently and collaboratively in a fast-paced environment Careers Privacy StatementKeysight is an Equal Opportunity Employer.Subsidiary-level financial statement analysis through periodic variance analysis of PL, B/S and Opex, ratio analysis and other risk indicator techniques. Screen, assess and escalate potential risk situations and seek resolution. Establish a bridge between applicable Local GAAP and USGAAP reporting requirements. Drive/Support statutory audit for assigned legal subsidiaries. It includes generating Audit schedules, Analytics packs, LLGAAP-compliant financial statements and subsequent query resolution. The incumbent is expected to front-end the relationship with the Hub-based USGAAP auditors and actively support the on-site local auditors. Drive closure on month-end close issues, and collaborate with stakeholders and respective KBF functions to address compliance concerns. Partner with on-site GFRC (Country Controllership Org.) teams to achieve the organisation s objectives of financial statement compliance. Handle stakeholder relationships for relatively complex entities with minimal supervisory support. Support country teams in preparing and filling out their business surveys. Identify opportunities for process automation and efficiency improvements.

Job Description Job Summary Performs a broad range of financial planning & analysis activities in support of the assigned business unit(s). This includes but is not limited to forecasting, budgeting, financial modeling, reporting, data insights, resource planning and expense management. Acts as a trusted business advisor providing analysis and recommendations to improve financial health of the business. Communicates results and recommendations both written and orally in a concise, clear manner. Essential Duties & Responsibilities Operates with financial integrity. Ensures reporting is accurate and timely. Evaluates and analyzes P&L performance versus annual budget and forecast. Fields and answers financial questions from senior leadership. Works with Accounting to ensure correct classification and coding of financials. Works with business leaders annually to build detailed budget that meets business targets. Effectively communicates calendars of deliverables to business units they support. Prepares monthly financial reports with commentary for senior leadership that enables business decision-making. Is constantly improving upon what has been done in the past. Operates with continuous process improvement in mind. Builds new financial reports with added insights to the business. Operates with the appropriate sense of urgency when completing tasks. Prioritizes tasks appropriately. Provides analytical support and written commentary to finance leadership in the monthly, quarterly, and annual financial performance reviews. Works with large datasets; studies, analyzes and summarizes for presentation to senior management. Conducts root cause analysis when financials differ from expectations. Acts in compliance of all financial and healthcare standards. Uses available IT tools to improve and automate processes wherever possible. Supports all FP&A/Budget initiatives. Creates ad-hoc financial models to help support business needs. This role will be 100% remote (working from home) in India Working hours will coincide with Eastern Standard time zone Experience Education Graduate and/or postgraduate in business/finance or related field Minimum Qualifications 2-4 years of financial analysis or accounting experience Skills & Requirements Skills/Knowledge Working knowledge of the principals of financial statements, ratio analysis and trend analysis Experience with GL and BI applications Experience with SalesForce and Adaptive a plus Ability to work autonomously, interact with senior management and manage multiple priorities simultaneously. Self-starter who can identify new areas for analysis and opportunities for process improvement. Excellent verbal and written communication skills. Strong analytical skills Strong Microsoft Excel skills Microsoft PowerPoint skills a plus Work Environment/Physical Demands This position is for US Process and works for overlapped US time zone (EST) This a remote job at present and base location is Bangalore. When asked employee should be able to come to office. Since it is remote working person should have proper internet connection (minimum of 100 mbps) While at work, this position is primarily a sedentary job and requires that the associate can work in an environment where they will consistently be seated for the majority of the workday This role requires that one can sit and regularly type on a keyboard the majority of their workday This position requires the ability to observe a computer screen for long periods of time to observe their own and others work, as well as, in coming and out going communications via the computer and/ or mobile devices The role necessitates the ability to listen and speak clearly to customers and other associates Qualifications

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