7 Retail Products Jobs

• Drive technical product management strategy, road mapping, ensuring successful product launches • Cover all retail workflows, Mobile, Web, Exe for Retail, data & analytics, charting • Work with Platform PM for Smart APIs, Middleware functionalities Required Candidate profile • Understanding of front office trading systems, RMS/OMS & back-office workflows • JIRA, Confluence, MS Project or ClickUp • Agile/Scrum, project tracking, stakeholder alignment & delivery governance

The Senior Therapist for Spa is a crucial role responsible for delivering exceptional guest service through the administration of Chi treatments following established procedures and standards. In addition to providing top-notch treatments, you will play a key role in driving revenue for the spa by actively promoting and selling retail products to guests. Your dedication to upholding high service standards and engaging in effective sales techniques will contribute significantly to the success of the spa and ensure a memorable experience for all guests.,

Recruitment of Specialist Cadre Officers On Regular Basis ADVERTISEMENT No. CRPD/SCO/2024-25/09 Online Registration of Application & Payment of Fees: From 25.08.2025 to 15.09.2025 State Bank of India invites Online applications from eligible Indian citizens for appointment to the following Specialist Cadre Officers Posts on Regular Basis. Candidates are requested to apply Online through the link given on Banks official website https://bank.sbi/web/careers/current-openings 1. The process of Registration is complete only when fee is deposited with the Bank through Online mode on or before the last date for payment of fee. 2. Before applying, candidates are requested to ensure that they fulfil the eligibility criteria for the Post as on the date of eligibility. 3. Candidates are required to upload all required documents (resume, ID proof, age proof, PwBD Certificate (if applicable), educational qualification, experience etc.) failing which their application/candidature will not be considered for shortlisting/ interview. 4. Short listing will be provisional without verification of documents. Candidature will be subject to verification of all details/ documents with the original when a candidate reports for interview (if called). 5. In case a candidate is called for interview and is found not satisfying the eligibility criteria (Age, Educational Qualification and Experience etc.) he/ she will neither be allowed to appear for the interview nor be entitled for reimbursement of any travelling expenses. 6. Candidates are advised to check Banks official website https://bank.sbi/web/careers/current-openings regularly for details and updates (including the list of shortlisted/ selected candidates). The Call (letter/ advice), where required, will be sent by e-mail only (No hard copy will be sent ). 7. ALL REVISIONS/ CORRIGENDUM (IF ANY) WILL BE HOSTED ON THE BANKS WEBSITE ONLY . 8. In case more than one candidate scores same marks as cut-off marks in the final merit list (common marks at cut-off point), such candidates will be ranked in the merit according to their age in descending order. 9 . Hard copy of application & other documents not to be sent to this office. 10.CANDIDATE CAN APPLY FOR ONE POST ONLY. 11. TRAINING & TEACHING EXPERIENCE WILL NOT BE COUNTED FOR ELIGIBILITY IN THE EXPERIENCE CRITERIA. Grade/Scale: MMGS-III No of Vacancies: 2 Age as on 31/05/2025 (Years) #: Min 25 Max 35 Selection Procedure : Shortlisting and Interview DETAILS OF BASIC QUALIFICATION, PREFERRED QUALIFICATION, and EXPERIENCE & SPECIFIC SKILLS REQUIRED (All As on 31.05.2025) BASIC QUALIFICATIONS (As on 31.05.2025) : Post Graduate Degree/ Diploma/ Program in Marketing Management or equivalent. The institute should be recognized / approved by Govt. bodies/ AICTE / UGC. EXPERIENCE (As on 31.05.2025) : Essential: Minimum 2 years of post-qualification work experience as Executive / Supervisory / Managerial role in Schedule Commercial Banks /NBFC/ Insurance Company. Preferred Experience: Experience in Public Sector Banks will be preferred. Experience in Retail / liability products will be preferred. DETAILS OF JOB PROFILE (DETAILED DESCRIPTION OF ROLE, RESPONSIBILITIES & FUNCTION) AND KEY RESPONSIBILITY AREA: Job Profile : Responsibilities and Functions To undertake market research for product optimization and rationalization in line with best practices in the industry. Benchmark Banks products and services with competitors offerings to identify and enable USPs. To present Banks CSP proposal to High Value Corporates/ Institutions/ Entities with a view to onboard on Banks Salary package. To interact with High-Value Corporates/ Institutions/ Entities for onboarding on Banks salary package. To act as SPOC for High-Value Corporates/ Institutions/ Entities for liaisoning and catering to their queries/ requirements pertaining to onboarding and salary camps. To liaise within various departments of the Bank to ensure smooth and timely rollout of products. To strategize and implement business and promotional activities. To handle regulatory and security related issues related to the product. To ideate and enable tech-based levers for achieving digital efficiency in products and services being offered by the Bank. To monitor, track and organize all required SOP, manual, e-circular, e-lessons for proposed new products. To monitor the performance of the products being handled, track best practices in the industry and explore solutions relevant to the Bank, vis--vis Competitors. Any other job assigned by the departmental head. KRA Measurable No. of presentation made to High-value Corporates/ GCCs/ CAG/ CCG Corporates No. of Tie-Ups/ MoUs entered with High-value Corporates/ GCCs/ CAG/ CCG Corporates Number of Salary accounts opened through tie-ups Salary credit % in new accounts opened Increase in Overall Deposits for P-Segment Accounts Through Tie-Ups (GITU+CTU) New Govt & Institutional Salary Package Accounts Opened Through Tie-Ups (CTU+GITU) % Increase in outstanding CASA balance per CITU account (CITU=CTU+GITU) % Gold+ Accounts in new CSP A/Cs opened- Govt+ Defense % Gold+ Accounts in new CSP A/Cs opened- Corporates GRADE & REMUNERATION: GRADE: Grade Scale-II PAY SCALE: Rs (64820-2340/1-67160-2680/10-93960) REMARKS: The official will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund i.e., NPS, Leave Fare Concession (LFC), Medical Facility, other perquisites etc. as per rules in force from time to time. Probation Period : 6 months IMPORTANT POINTS: i) The number of vacancies including reserved vacancies mentioned above are provisional and may vary according to the actual requirement of the Bank. ii) The educational qualification prescribed for the post is minimum. Candidate must possess the qualification and relevant full-time experience as on specified dates. iii) Candidate belonging to reserved category including Person with Benchmark Disabilities for whom no reservation has been mentioned are free to apply for vacancies announced for General category provided they fulfil all the eligibility criteria applicable to General Category. iv) The reservation under various categories will be as per prevailing Government of India Guidelines. v) The relevant experience certificate from employer must contain specifically that the candidate had experience in that related field as required. vi) Bank reserves the right to cancel the recruitment process entirely or for any particular post at any stage without specifying any reasons thereof. vii) Maximum age indicated is for General category candidates. Relaxation in upper age limit will be available to PwBD category candidates as per Govt. of India guidelines (wherever applicable). viii) Valid Caste certificate issued by Competent Authority on format prescribed by the Government of India will have to be submitted by the ST/SC/ PwBD candidates for fee exemption eligibility. ix) PwBD candidate should produce a certificate issued by a competent authority as per the Government of India Guidelines. x) Reservation for PwBD candidates is horizontal and is included in the vacancy of the respective parent category. xi) Only those persons with benchmark disabilities would be eligible for reservation under PwBD category. Benchmark disability means a person with not less than 40% of a specified disability where specified disability has not been defined in measurable terms and includes the persons with disability, where disability has been defined in a measurable term, as certified by the certifying authority. Backlog vacancies reserved for PwBD would be filled by a person with benchmark disability in the respective category. If no suitable person from that category is available, such backlog would be filled up by interchange among other eligible PwBD candidates subject to the posts having been identified suitable for such disabilities. SELECTION PROCESS : The selection will be based on shortlisting and Interview. Shortlisting : Mere fulfilling the minimum qualification and experience will not vest any right to candidate for being called for interview. The shortlisting committee constituted by the Bank will decide the shortlisting parameters and thereafter, adequate number of candidates, as decided by the bank, will be shortlisted for interview. The decision of the Bank to call the candidates for the interview shall be final. No correspondence will be entertained in this regard. Interview: Interview will carry 100 marks. The qualifying marks in interview will be decided by the Bank. No correspondence will be entertained in this regard. Merit List: Merit list category wise for selection will be prepared in descending order based on scores obtained in interview only. In case more than one candidate score the cut-off marks (common marks at cut-off point), such candidates will be ranked according to their age in descending order, in the merit. CALL LETTER FOR INTERVIEW: INTIMATION/CALL LETTER FOR INTERVIEW WILL BE SENT BY EMAIL OR WILL BE UPLOADED ON BANK'S WEBSITE. NO HARD COPY WILL BE SENT. HOW TO APPLY: Candidates should have valid email ID/Mobile phone number which should be kept active till the declaration of result. It will help him/her in getting call letter/Interview advises etc. by email or over mobile by SMS. GUIDELINES FOR FILLING ONLINE APPLICATION: i. Candidates will be required to register themselves online through the link available on SBI website https://bank.sbi/web/careers/current-openings and pay the application fee using Internet Banking/ Debit Card/ Credit Card etc. ii. Candidates should first scan their latest photograph and signature. Online application will not be registered unless candidate uploads his/ her photo and signature as specified on the online registration page (under How to Upload Document). iii. Candidates should fill the application carefully. Once application is filled-in completely, candidate should submit the same. In the event of candidate not being able to fill the application in one go, he can save the information already entered. When the information/ application is saved, a provisional registration number and password is generated by the system and displayed on the screen. Candidate should note down the registration number and password. They can re-open the saved application using registration number and password and edit the particulars, if needed. This facility of editing the saved information will be available for three times only. Once the application is filled completely, candidate should submit the same and proceed for online payment of fee. iv. After registering online, the candidates are advised to take a printout of the system generated online application forms. V. Candidates seeking Age relaxation are required to submit copies of necessary certificates at the time of joining. No change in category of any candidate is permitted after registration of online application.

Recruitment of Specialist Cadre Officers On Regular Basis ADVERTISEMENT No. CRPD/SCO/2024-25/09 Online Registration of Application & Payment of Fees: From 25.08.2025 to 15.09.2025 State Bank of India invites Online applications from eligible Indian citizens for appointment to the following Specialist Cadre Officers Posts on Regular Basis. Candidates are requested to apply Online through the link given on Banks official website https://bank.sbi/web/careers/current-openings 1. The process of Registration is complete only when fee is deposited with the Bank through Online mode on or before the last date for payment of fee. 2. Before applying, candidates are requested to ensure that they fulfil the eligibility criteria for the Post as on the date of eligibility. 3. Candidates are required to upload all required documents (resume, ID proof, age proof, PwBD Certificate (if applicable), educational qualification, experience etc.) failing which their application/candidature will not be considered for shortlisting/ interview. 4. Short listing will be provisional without verification of documents. Candidature will be subject to verification of all details/ documents with the original when a candidate reports for interview (if called). 5. In case a candidate is called for interview and is found not satisfying the eligibility criteria (Age, Educational Qualification and Experience etc.) he/ she will neither be allowed to appear for the interview nor be entitled for reimbursement of any travelling expenses. 6. Candidates are advised to check Banks official website https://bank.sbi/web/careers/current-openings regularly for details and updates (including the list of shortlisted/ selected candidates). The Call (letter/ advice), where required, will be sent by e-mail only (No hard copy will be sent ). 7. ALL REVISIONS/ CORRIGENDUM (IF ANY) WILL BE HOSTED ON THE BANKS WEBSITE ONLY . 8. In case more than one candidate scores same marks as cut-off marks in the final merit list (common marks at cut-off point), such candidates will be ranked in the merit according to their age in descending order. 9 . Hard copy of application & other documents not to be sent to this office. 10.CANDIDATE CAN APPLY FOR ONE POST ONLY. 11. TRAINING & TEACHING EXPERIENCE WILL NOT BE COUNTED FOR ELIGIBILITY IN THE EXPERIENCE CRITERIA. Grade/Scale: MMGS-III No of Vacancies: 2 Age as on 31/05/2025 (Years) #: Min 25 Max 40 Selection Procedure : Shortlisting and Interview DETAILS OF BASIC QUALIFICATION, PREFERRED QUALIFICATION, and EXPERIENCE & SPECIFIC SKILLS REQUIRED (All As on 31.05.2025) BASIC QUALIFICATIONS (As on 31.05.2025) : Post Graduate Degree/ Diploma/ Program in Management or equivalent. The institute should be recognized / approved by Govt. bodies/ AICTE / UGC. EXPERIENCE (As on 31.05.2025) : Essential: Minimum 5 years of post-qualification work experience as Executive / Supervisory / Managerial role in Schedule Commercial Banks /NBFC/ Insurance Company. Preferred Experience: Experience in Public Sector Banks will be preferred. Experience in Retail / liability products will be preferred. DETAILS OF JOB PROFILE (DETAILED DESCRIPTION OF ROLE, RESPONSIBILITIES & FUNCTION) AND KEY RESPONSIBILITY AREA: Job Profile : Responsibilities and Functions To monitor the performance of the products being handled, track best practices in the industry and explore solutions relevant to the Bank, vis--vis competitors. To develop new products and review/modify existing product with a view to increasing profitability of the Bank. To strategize and implement business and promotional activities. To manage day to day functioning of alternate channels for delivery of loans. To handle regulatory and security related issues related to the loan product To liaise within various departments of the Bank to ensure smooth and timely rollout of products. To monitor, track and organize all required SOP, manual, e-circular, e-lessons for proposed new products Any other job assigned by departmental head. KRA : Measurable Increase in overall Deposits for P-segment accounts through Tie-ups (GITU+CTU) New Govt. & Institutional Salary Package Accounts opened through Tie-ups (CTU+GITU) % Increase in outstanding CASA balance per CITU account (CITU=CTU+GITU) % Gold+Accounts in new CSP A/Cs opened- Govt+Defense % Gold+Accounts in new CSP A/Cs opened- Corporates GRADE & REMUNERATION: GRADE: Middle Management Grade Scale III PAY SCALE: Rs (85920-2680/5-99320-2980/2-105280) REMARKS: The official will be eligible for DA, HRA, CCA, Provident Fund, Contributory Pension Fund i.e., NPS, Leave Fare Concession (LFC), Medical Facility, other perquisites etc. as per rules in force from time to time. Probation Period : 6 months IMPORTANT POINTS: i) The number of vacancies including reserved vacancies mentioned above are provisional and may vary according to the actual requirement of the Bank. ii) The educational qualification prescribed for the post is minimum. Candidate must possess the qualification and relevant full-time experience as on specified dates. iii) Candidate belonging to reserved category including Person with Benchmark Disabilities for whom no reservation has been mentioned are free to apply for vacancies announced for General category provided they fulfil all the eligibility criteria applicable to General Category. iv) The reservation under various categories will be as per prevailing Government of India Guidelines. v) The relevant experience certificate from employer must contain specifically that the candidate had experience in that related field as required. vi) Bank reserves the right to cancel the recruitment process entirely or for any particular post at any stage without specifying any reasons thereof. vii) Maximum age indicated is for General category candidates. Relaxation in upper age limit will be available to PwBD category candidates as per Govt. of India guidelines (wherever applicable). viii) Valid Caste certificate issued by Competent Authority on format prescribed by the Government of India will have to be submitted by the ST/SC/ PwBD candidates for fee exemption eligibility. ix) PwBD candidate should produce a certificate issued by a competent authority as per the Government of India Guidelines. x) Reservation for PwBD candidates is horizontal and is included in the vacancy of the respective parent category. xi) Only those persons with benchmark disabilities would be eligible for reservation under PwBD category. Benchmark disability means a person with not less than 40% of a specified disability where specified disability has not been defined in measurable terms and includes the persons with disability, where disability has been defined in a measurable term, as certified by the certifying authority. Backlog vacancies reserved for PwBD would be filled by a person with benchmark disability in the respective category. If no suitable person from that category is available, such backlog would be filled up by interchange among other eligible PwBD candidates subject to the posts having been identified suitable for such disabilities. SELECTION PROCESS : The selection will be based on shortlisting and Interview. Shortlisting : Mere fulfilling the minimum qualification and experience will not vest any right to candidate for being called for interview. The shortlisting committee constituted by the Bank will decide the shortlisting parameters and thereafter, adequate number of candidates, as decided by the bank, will be shortlisted for interview. The decision of the Bank to call the candidates for the interview shall be final. No correspondence will be entertained in this regard. Interview: Interview will carry 100 marks. The qualifying marks in interview will be decided by the Bank. No correspondence will be entertained in this regard. Merit List: Merit list category wise for selection will be prepared in descending order based on scores obtained in interview only. In case more than one candidate score the cut-off marks (common marks at cut-off point), such candidates will be ranked according to their age in descending order, in the merit. CALL LETTER FOR INTERVIEW: INTIMATION/CALL LETTER FOR INTERVIEW WILL BE SENT BY EMAIL OR WILL BE UPLOADED ON BANK'S WEBSITE. NO HARD COPY WILL BE SENT. HOW TO APPLY: Candidates should have valid email ID/Mobile phone number which should be kept active till the declaration of result. It will help him/her in getting call letter/Interview advises etc. by email or over mobile by SMS. GUIDELINES FOR FILLING ONLINE APPLICATION: i. Candidates will be required to register themselves online through the link available on SBI website https://bank.sbi/web/careers/current-openings and pay the application fee using Internet Banking/ Debit Card/ Credit Card etc. ii. Candidates should first scan their latest photograph and signature. Online application will not be registered unless candidate uploads his/ her photo and signature as specified on the online registration page (under How to Upload Document). iii. Candidates should fill the application carefully. Once application is filled-in completely, candidate should submit the same. In the event of candidate not being able to fill the application in one go, he can save the information already entered. When the information/ application is saved, a provisional registration number and password is generated by the system and displayed on the screen. Candidate should note down the registration number and password. They can re-open the saved application using registration number and password and edit the particulars, if needed. This facility of editing the saved information will be available for three times only. Once the application is filled completely, candidate should submit the same and proceed for online payment of fee. iv. After registering online, the candidates are advised to take a printout of the system generated online application forms. V. Candidates seeking Age relaxation are required to submit copies of necessary certificates at the time of joining. No change in category of any candidate is permitted after registration of online application.

At ANZ, we are dedicated to shaping a world where people and communities thrive, with a shared mission of enhancing the financial wellbeing and sustainability of our vast customer base. Join the Home Loan Assessment Team as a Credit Assessment Officer, a crucial role in our pursuit of creating a world where individuals and communities flourish. Utilize your well-balanced judgment and communication skills to assist customers on their home ownership journey, ensuring that banking with ANZ remains accessible, convenient, and straightforward. Your responsibilities will include conducting credit assessments for home loan applications received through third-party brokers and ANZ mobile lending channels within agreed Service Level Agreements (SLAs), in collaboration with other passionate ANZ team members. You will evaluate applications in alignment with ANZ's policies and regulatory obligations, potentially exercising judgment through a delegated credit authority. As the banking landscape evolves, we are evolving alongside it, offering our employees opportunities to explore new avenues, learn, and progress. Regardless of your role at ANZ, you will be shaping your future while contributing to our collective growth. This is a permanent role located at Manyata Tech Park, Bengaluru, with work hours from 5.00 am to 2.00 pm. Your daily tasks will involve: - Applying lending/credit policy and product guidelines, while assessing the creditworthiness of home loan applications - Adhering to Group Credit Policy and regulatory requirements to achieve a balanced approach towards risk and reward - Analyzing and reviewing customer requests by thoroughly gathering relevant information and investigating all available sources - Ensuring due process is followed to effectively manage non-financial and operational risks To excel in this role, you should have: - Demonstrable experience in the Banking/Financial services industry with a solid understanding of retail/commercial products - Preferably possess CAD (Credit Approval Discretion) or equivalent delegation - Strong verbal and written communication skills to engage positively with internal and external stakeholders - Problem-solving abilities, analytical skills, attention to detail, and the capability to identify issues requiring escalation While having all the mentioned skills is not mandatory, possessing most of them and demonstrating a growth mindset align with ANZ's culture. Join ANZ, where significant achievements are made collaboratively to deliver banking and financial services in over 30 markets. Our Bengaluru team, consisting of over 7,500 employees, plays a pivotal role as the bank's largest technology, data, and operations center outside Australia. Operational for more than three decades, the Bengaluru team contributes significantly to the bank's strategy and serves millions of customers globally. We strive to create a culture at ANZ where individuals can authentically be themselves, with 90% of our employees feeling a sense of belonging. At ANZ, we understand that each individual requires different support to excel in their role, which is why we offer various flexible working options, including hybrid work arrangements. Additionally, our employees benefit from a range of perks, including access to health and wellbeing services. We are committed to fostering a diverse workplace and encourage applications from all backgrounds. If you require any adjustments during the recruitment process or in the role itself due to a disability or special requirements, please inform us so that we can provide the necessary support. To explore more about opportunities at ANZ, visit https://www.anz.com/careers/. If you are interested in this role, you can apply by searching for reference number 90879 on ANZ Careers. Application Deadline: 27/03/2025, 11.59 pm (Melbourne Australia),

About Us At ANZ, we are dedicated to shaping a world where people and communities thrive, united by a common objective: to enhance the financial wellbeing and sustainability of our vast customer base. About The Role As a Credit Assessment Officer at ANZ, you play a vital role in fulfilling our mission of shaping a world where people and communities thrive. Join our supportive and collaborative Home Loan Assessment Team, where your well-balanced judgement and communication skills will be instrumental in assisting customers on their home ownership journey. Your primary aim will be to ensure that banking with ANZ remains accessible, simple, and convenient. Your responsibilities will include conducting credit assessments for home loan applications received through third-party brokers and ANZ mobile lending channels within agreed Service Level Agreements (SLAs), in collaboration with other dedicated ANZ team members. You will evaluate applications in accordance with ANZ's policies and regulatory obligations, and may exercise judgement through a delegated credit authority. Banking is evolving, and at ANZ, we are evolving with it, offering our employees exciting opportunities to explore new horizons, learn, and develop professionally. Regardless of your role at ANZ, you will be shaping your future while contributing to the growth of our organization. Role Type: Permanent Role Location: Manyata Tech Park, Bengaluru Work Hours: 5.00 am - 2.00 pm What will your day look like In the role of a Credit Assessment Officer, your key accountabilities will be: - Applying lending/credit policy and product guidelines, and in some cases, exercising sound judgement to assess the creditworthiness of home loan applications - Adhering to Group Credit Policy and ensuring compliance with all relevant legislation concerning responsible lending obligations to strike a balance between risk and reward - Analyzing and reviewing customer requests by collecting all pertinent information/data, exploring all available sources of information thoroughly - Ensuring proper procedures are followed to effectively manage non-financial and operational risks What will you bring To excel in this role, you should possess: - Demonstrable experience in the Banking/Financial services industry and a solid understanding of retail/commercial products - CAD (Credit Approval Discretion) or equivalent delegation is advantageous - Strong verbal and written communication skills, enabling you to cultivate positive interactions with internal and external stakeholders, conduct workshops, inquiries, and negotiations effectively to ensure a positive customer experience - Problem-solving and analytical skills, attention to detail, and the ability to discern when issues necessitate escalation While you are not expected to have all of these skills, at ANZ, we value a growth mindset as an integral part of our culture. If most of these attributes are within your skill set, we encourage you to apply. So why join us (Bengaluru GCC) ANZ is a dynamic workplace where significant achievements are made through collaborative efforts to provide banking and financial services across more than 30 markets. With a workforce of over 7,500 individuals, our Bengaluru team stands as the bank's largest technology, data, and operations center outside Australia. Operating for more than 33 years, this center plays a critical role in executing the bank's strategy and creating a positive impact for millions of customers worldwide. The Bengaluru team not only spearheads the bank's transformation initiatives but also nurtures a culture that makes ANZ an exceptional place to work. We take pride in fostering an environment where individuals can be themselves, with 90 percent of our employees feeling a strong sense of belonging. Recognizing that our employees have diverse needs to excel in their roles, we offer various flexible working options, including hybrid work arrangements where feasible. Our employees also benefit from a range of perks, including access to health and wellbeing services. We are committed to promoting diversity in the workplace and invite applications from all individuals. If you require any accommodations during the recruitment process or within the role itself, please inform us. If you are a candidate with a disability or specific access requirements, let us know how we can offer you additional support. To learn more about career opportunities at ANZ, visit our Careers page at https://www.anz.com/careers/. You can apply for this position by visiting ANZ Careers and searching for reference number 90879. Job Posting End Date 27/03/2025, 11.59 pm (Melbourne, Australia),

Job Title: Manager IRB & Scorecard Development Location: Bangalore Experience Required: 3 to 10 years Employment Type: Full-Time Domain: Banking / Financial Services / Credit Risk Analytics Job Summary: We are seeking an experienced and detail-oriented Credit Risk Modeler with strong hands-on expertise in IRB (Internal Ratings-Based) modeling and credit scorecard development . The ideal candidate will contribute to the design, development, validation, and monitoring of models used for regulatory capital calculation (as per Basel norms) and business decisioning (such as application, behavior, and collections scorecards). You will work closely with risk, data, compliance, and business teams to ensure model robustness, regulatory alignment, and business relevance. Key Responsibilities: Model Development & Maintenance Design and build credit risk models for PD, LGD, and EAD estimation under the IRB framework (Basel II/III/IV). Develop and implement credit scorecards (application, behavior, and collections) using statistical techniques like logistic regression , decision trees , and machine learning . Lead model performance monitoring , backtesting, and recalibration initiatives. Translate regulatory guidelines into technical specifications and modeling requirements. Data & Analytics Conduct data extraction, cleaning, and preprocessing using tools like SQL, Python Perform exploratory data analysis (EDA) , feature engineering, and variable selection. Handle large-scale, imbalanced, and skewed datasets using best practices in credit modeling. Documentation & Regulatory Support Prepare detailed model documentation, including model development reports (MDRs) , validation reports , and regulatory submission artifacts . Support internal and external model validation , audits, and regulatory reviews (e.g., by RBI, ECB, PRA). Collaboration & Communication Work cross-functionally with risk, compliance, product, and IT teams to deploy models into production. Communicate findings and technical insights to non-technical stakeholders clearly and effectively. Provide thought leadership on model governance , regulatory changes , and emerging best practices . Required Skills & Experience: 38 years of experience in credit risk modeling , particularly within retail, SME, or wholesale portfolios . Proven hands-on experience in IRB model development (PD/LGD/EAD) aligned with Basel II/III regulations. Strong experience developing credit scorecards for lending or collections. Proficient in Python with sound knowledge of SQL for data extraction and analysis. Solid understanding of statistical techniques , model validation , and model monitoring . Familiarity with regulatory requirements and model risk management frameworks Strong problem-solving, analytical thinking, and communication skills.