8480 Risk Management Jobs - Page 37

We are looking for a skilled professional with 4 to 9 years of experience to join our team as an Area Credit Manager in Mid Corporate-Credit Appraisal, located at Prestige Corniche-M4-M6, Bengaluru. Roles and Responsibility Support and collaborate with business teams to manage end-to-end credit approval for the designated region. Underwrite cases and present them to senior level, authorizing deviations documented by underwriters in compliance with credit policy. Finalize review of credit memos and sign-off on approvals or declines after checking documentation requests. Approve disbursement requests based on achieved adherence to requirements on agreement value and full documentation attainment at the branch level. Monitor and oversee PDD management, ensuring timely completion of personal discussion documents through customer visits in high-value cases. Oversee and initiate follow-ups with external vendors (FI, Legal & Technical valuations) to ensure timely query resolution/report submission and eliminate undue delays. Coordinate with the recoveries team and generate business insights. Lead a team of credit approvers to ensure portfolio quality and delinquencies, engaging in development, implementation, review, and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improve processing efficiency of the HUB. Ensure due diligence in credit analysis, customer application screening, evaluation, underwriting, and sanctioning of loans. Evolve underwriting norms customized to local market needs and enhance and execute consumer credit risk strategy. Job MBA/PGDBA/PGPM/CA or equivalent degree. Minimum 4 years of experience in corporate finance, financial services, or broking. Possess strong knowledge of credit appraisal, underwriting, and risk management. Demonstrate excellent leadership and team management skills. Exhibit strong analytical and problem-solving skills. Ability to work in a fast-paced environment and meet deadlines.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Lucknow. The ideal candidate will have a strong background in credit underwriting, risk management, and customer relationship building. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios, loan to value ratios, and calculate ratios to determine loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS of the cluster and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to facilitate approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree with a minimum of 10 years of experience in credit underwriting or a related field. Strong knowledge of credit underwriting principles, risk management, and customer relationship building. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Proficiency in MS Office and other relevant software. CertificationsCA/MBA (Preferable). Additional Info The company offers a dynamic and supportive work environment, with opportunities for growth and development.

We are looking for a highly skilled and experienced professional with 10 to 15 years of experience to join our team as a Manager - Retail Credit in Palanpur, S9 Complex, JM. The ideal candidate will have a strong background in credit underwriting and risk management. Roles and Responsibility Review and assess complex loan applications within defined guidelines. Underwrite proposals according to laid down policies and procedures to meet business volumes. Conduct personal discussions with customers to establish creditworthiness and ensure completion of credit/KYC documents and verification. Assess income to obligation ratios and loan to value ratios, and calculate ratios to predict loan performance over long tenures. Maintain Portfolio MIS, Delinquency MIS, and other operations-related MIS and regularly report the same. Build and facilitate effective relationships with third parties to achieve the best outcomes for clients. Undertake critical review of credit proposals to identify industry, business, financial, management, and facility structure risks. Ensure collateral and other credit risk mitigation are in place to support approving authority decisions on credit proposals. Enable quick turnaround time of credit lending proposals for mortgage business in close liaison with the sales team. Undertake ongoing review of credit exposures to ensure continued bankability. Facilitate critical review and documentation of proposals and monitor client & collateral creditworthiness from pre-sanction to post-disbursement, undertaking risk mitigation steps while ensuring adherence to legal & documentation norms & policies. Manage the credit underwriting function of the branch and facilitate quick turnaround of credit lending proposals in close liaison with local credit analysts and sales team. Follow up and ensure recovery of quick mortality cases between 12-18 MOV. Job Graduate or Postgraduate degree. CA/MBA certification is preferable. Minimum 10 years of experience in credit underwriting and risk management. Possess strong knowledge of credit underwriting principles, practices, and regulations. Demonstrate excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Exhibit strong analytical and problem-solving skills.

At American Express, our culture is built on a 175-year history of innovation, shared values and leadership behaviors, and an unwavering commitment to back our customers, communities, and colleagues. As part of Team Amex, youll experience this powerful backing with comprehensive support for your holistic well-being and many opportunities to learn new skills, develop as a leader, and grow your career. Here, your voice and ideas matter, your work makes an impact, and together, you will help us define the future of American Express. Description International Risk and Controls sits within International Card Services (ICS) which comprises of all the issuing functions across all 28 international markets excluding the US - colleagues operate across a variety of geographies and disciplines. ICS issues products to our Consumer and Commercial customers – the organization is an integral part of the global growth strategy for American Express; offering differentiated products and services is critical to our success and promises to drive significant growth and value through the delivery of innovative products, tailored to the needs of our customers. The objective of the ICS Control Management Risk ID, Assessment, Testing and Reporting team is to identify, assess, mitigate, and report on Operational Risk within BU processes for ICS to ensure adherence to regulatory standards, Amex policy and enhance the BU's resilience through managing a clear methodology of inherent and residual risk. ICS Control Management is looking for a Manager of Risk ID, Assessment, Testing & Reporting focused on ensuring control management is embedded in the day-to-day operations of our organization. It will involve extensive collaboration with multiple partners across numerous business units, functional areas, and geographies. The Manager, ICS Control Management Risk ID, Assessment, Testing & Reporting will: Provide additional identification of risks throughout business processes and systems (along with business process owners) Facilitate BUs in their risk assessments performance (e.g., Process Self Risk Assessments (PRSAs)) in addition to further assessments and testing / QA programs to ensure regulatory and internal standards are met (e.g., periodic PRSA reviews and update assessment criteria to align with regulatory updates) Conduct control monitoring (supplemental to BU process owners testing) and compile key operational risk trends, activities, and events Proactively help identify areas of high-risk for intervention (e.g., automated alerts generated for high-risk areas signal need for intervention and focus), including conducting independent quality assurance and vertical process testing Compile thematic risk reporting (levels, trends, causes) to provide actionable insights to BU on current risk levels, emerging trends and root causes Review categorization of controls and map against risks and processes (e.g., cross-BU process-control mapping) Advise BU with identification of risks and spotting areas where product changes or improved controls may be required within New Product Governance (NPG) Support risk management practices within the business Review risk dashboards and key risk indicators (KRIs) for ongoing monitoring Review risk profiles and an updated risk register(s) Support sharing insights, better practices, themes, etc. across the enterprise Required Qualifications: 6+ Years experience in operational risk management (e.g., within Risk and/or Internal Audit function) Understanding of critical operational risk management lifecycle activities Have proven experience supporting Risk and Control Self-Assessments (RCSA), including designing and supporting control testing frameworks, identifying control gaps, assessing residual risk, and implementing remediation plans across complex business environments. Strong project management, communication, and interpersonal skills Experience in process governance, with an understanding of processes that align with policies, regulatory frameworks, and/or operational standards Proficient analytical and problem-solving skills, with an ability to analyze data, identify trends, and evaluate risk scenarios effectively Preferred Qualifications: Bachelor's Degree in Finance, Business, Risk Mgmt., or related field; advanced degrees (e.g., MBA, MSc) or certifications are advantageous Experience in at least one of the following: Providing identification of operational risks throughout business processes and systems Facilitating risk assessment performance in addition to further assessments and testing programs to ensure regulatory and internal standards are met Enhancing risk assessments and associated methodologies Reviewing independent control monitoring, including identification of control improvements Identifying areas of risk for intervention, including conducting independent quality assurance and process testing Reviewing thematic risk reporting to provide actionable insights on risk levels, emerging trends and root causes Experience in financial services industry ORMCM

Roles & Responsibilities: Manage day-to-day project operations including tracking progress, identifying risks and implementing corrective actions along with maintenance of all project documentation. Define scope, objectives, deliverables and success criteria of the assigned projects. Ensure resource availability and allocation to meet project goals. Desired Candidate Profile: Proficient knowledge of machining and fabrication activities along with management tools. Excellent leadership, analytical and time management skills along with strong verbal and written communication. Ability to interpret technical drwaings and contracts.

Job Title : Quality Analyst Job Summary : We are seeking a skilled and detail-oriented BPO Quality Analyst for ourVoiceProcess to ensure the highest standards of customer service and operational excellence. As a Quality Analyst, you will be responsible for monitoring and assessing the quality ofvoice interactions between our customer service representatives and customers. Your primary focus will be to analyzevoice transcripts, provide feedback, and identify areas for improvement to enhance customer satisfaction and achieve key performance indicators. Responsibilities: Monitor and evaluatevoice interactions between customer service representatives and customers to ensure adherence to quality standards and company guidelines. Analyzevoice transcripts for accuracy, completeness, and compliance with established protocols and procedures. Identify and assess customer service representatives' performance gaps and areas for improvement based on quality metrics and performance standards. Provide constructive and timely feedback to customer service representatives on theirvoice interactions, highlighting areas of strength and areas needing improvement. Collaborate with the training team to develop and deliver training programs to address knowledge and skill gaps identified during quality evaluations. Maintain accurate records of quality evaluations, performance metrics, and feedback provided to customer service representatives. Generate comprehensive reports on quality performance, trends, and improvement opportunities for management review. Participate in calibration sessions with other quality analysts to ensure consistent evaluation and scoring ofvoice interactions. Stay updated with industry best practices and trends in customer service andvoice processes to continuously improve the quality evaluation process. Collaborate with team leads and operations managers to implement quality improvement initiatives and achieve performance targets. Requirements: Bachelor's degree in any discipline or equivalent work experience in a customer service or BPO environment. Proven experience as a Quality Analyst in a BPO setting, preferably with experience invoice process evaluation. Excellent verbal and written communication skills with a keen eye for detail. Strong analytical and problem-solving abilities to assessvoice interactions and identify areas for improvement. Familiarity with quality monitoring tools andvoice platforms. Ability to work independently and as part of a team, managing multiple priorities and deadlines effectively. Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint) and experience generating reports. Knowledge of customer service principles and practices. Strong coaching and mentoring skills to provide feedback and guidance to customer service representatives. Flexibility to adapt to changing business needs and work in shifts, if required. The Quality Analyst plays a crucial role in maintaining the highest standards of customer service and ensuring operational excellence in thevoice process. If you have a passion for quality, excellent analytical skills, and a desire to drive continuous improvement, we encourage you to apply for this position.

Operational Excellence Highlight the ability to lead, motivate, and mentor teams, fostering a culture of continuous improvement and operational excellence in Supply chain financial activities. Demonstrated ability to streamline processes, optimize workflows, and implement efficiency measures to enhance overall operational performance. Proven track record of identifying operational bottlenecks, analyzing root causes, and implementing effective solutions to drive continuous improvement. Experience in maintaining high-quality standards, ensuring compliance with regulations, and implementing quality control measures to meet or exceed industry standards. Ability to maximize resource utilization, whether it s human capital, technology, or budgetary resources, to achieve operational goals effectively and efficiently. Proficiency in defining, tracking, and analyzing key performance indicators (KPIs) to measure and drive operational success, ensuring alignment with organizational objectives. Strong leadership skills to motivate teams, foster collaboration, and cultivate a culture of operational excellence across departments or teams. Experience in managing change initiatives, guiding teams through transitions, and fostering adaptability to embrace new process or technologies seamlessly. Risk, performance, and analytics Proven ability to identify potential risks within operational processes, conducting comprehensive risk assessments, and developing mitigation strategies to minimize their impact. Experience in creating and implementing risk mitigation plans, ensuring operational continuity while proactively managing and reducing potential threats. Ability to develop contingency plans for various risk scenarios, ensuring the team is prepared to respond promptly and effectively to unforeseen events that could impact operations. Strong understanding of industry regulations and compliance standards, ensuring operational activities align with legal requirements, and actively managing risks associated with non-compliance. Stakeholder management Skilled in managing relationships with key stakeholders, both internal and external, effectively communicating risks, collaborating on risk management strategies, and maintaining positive relationships to support operational objectives. Proficient in establishing monitoring mechanisms to track identified risks, providing regular reports to stakeholders, and adapting strategies as necessary to address evolving risks. Proven capability to collaborate across different departments or teams, integrating risk management practices into operational processes and fostering a risk-aware culture throughout the organization. Utilize data analysis and insights to make informed decisions regarding risk management strategies, continuously evaluating and refining approaches based on performance metrics and trends. Strong verbal and written communication skills to convey complex operational information in a clear, concise manner to stakeholders at various levels within and outside the organization.

Principal Cyber Security Engineer Location: Bangalore What is Muthoot FinCorp ONE Muthoot FinCorp ONE, is a fintech startup, building a financial ecosystem where customers can access relevant and reliable digital services across an expansive range of digital financial products in segments like Lending, Saving & Investment, Protection, and Remittance. Our products are designed to ensure a simple, reliable, and responsive financial environment for our customers. Envisioned to be the most trusted financial service provider, our app has an easy-to-use interface aimed to enhance user experience and comfortable navigation. Our promoter, Muthoot FinCorp Ltd., is one of the most reputed names in the Fintech industry and has the customers trust in diverse segments like Financial Services, Automotive, Hospitality, Alternate Energy, Real Estate, and Precious Metals. In our quest to build teams across diversified domains, we recently acquired Paymatrix, an award-winning start-up founded in 2016. It has helped us venture into rent and rent-related payments and other vendor payments using credit cards. Currently, we are working on transforming Paymatrix into a Virtual POS platform. Muthoot FinCorp ONE believes in an ownership driven startup culture, where cumulative success is paramount, and each team member is valued and nurtured. What can you expect Build the future, Today - Build for scale in an ever-expanding marketplace Attractive compensation with wealth- building ESOPs - Attractive salaries and benefits Perks & other benefits - Wholesome well-being and personal satisfaction Work with the brightest minds in the industry - Premium colleges, great pedigree and amazing teams Dynamic work environment: Stable yet exciting - Constant challenges that test the best in you Fast-paced growth - Wide exposure, and terrific mentors to accelerate professional growth Role : You will be working with the world-class engineering team in Strategic Cybersecurity Leadership with Hands-On Implementation: Drive the adoption of advanced cybersecurity practices, leading strategic planning initiatives while actively participating in hands-on implementation. Oversee red team operations and devise strategies to fortify security controls. Operational Excellence: Manage day-to-day Security Operations Center activities, ensuring adherence to project timelines and safeguarding FinTech systems. Implement improvements, troubleshoot issues, and maintain compliance with industry standards. Talent Development and Collaboration: Mentor and train team members, recruit new talent, and foster collaborative relationships with stakeholders. Integrate security into software development and present budget plans. Continuous Improvement and Compliance: Stay updated on cybersecurity trends, conduct regular assessments, and ensure compliance with regulations. Cover areas like Vulnerability Assessment (VA), Penetration Testing (PT), Governance, Risk Management, Compliance, network security, and data privacy etc What are we looking for We are looking for a Cyber Security Specialist to join our team to work closely with the stakeholders to ensure that cyber security projects meet objectives across our organization. They are responsible for various tasks, including process re-engineering and documentation of activities related to this area. A Cyber Security Specialist s responsibilities include using their skills to detect insecure features and malicious activities within our networks and infrastructure. They will implement customized application security assessments for client-based asset risk, and corporate policy compliance as well as conduct vulnerability assessments. They should have an advanced understanding of TCP/IP, common networking ports and protocols, traffic flow, system administration, OSI model, defense-in-depth and common security elements. The specialist s focus is not only limited to assessing whether vulnerabilities exist but also how those risks could be mitigated which can help provide organizations with more confidence about system stability going forward. Ultimately, you will work to ensure the security of our business information, employee data and client information throughout our entire network. Responsibilities: Oversee detection, analysis, and response to security incidents, developing and implementing incident response plans for swift and effective action. Evaluate and recommend security technologies to enhance SOC capabilities. Implement and maintain security controls, troubleshoot, and resolve issues in the DevSecOps domain. Conduct periodic audits to identify security violations and inefficiencies, with the ability to perform proof of concept if required. Collaborate with cross-functional teams to mitigate and remediate security incidents. Conduct regular security assessments, vulnerability scans, and implement appropriate remediation measures. Identify vulnerabilities, weaknesses, and potential threats in infrastructure, offering actionable recommendations for risk mitigation. Keep users informed by preparing performance reports and communicating system status. Implement and manage security controls and tools to safeguard applications and infrastructure, prioritizing and assessing vulnerabilities based on potential impact. Provide expert guidance on risk mitigation strategies based on purple team findings, ensuring compliance with industry standards and regulations. Experience in team building and mentorship, with excellent communication skills to convey complex technical information to non-technical stakeholders. Experience in creating cybersecurity budgets. Requirements and Skills: Proven work experience of 8+ years as a Cyber Security Specialist or similar role, with leadership experience managing purple teams or similar cybersecurity teams. In-depth knowledge of AWS Cloud Infrastructure, AWS Security Services, and other critical infrastructure security. Expertise in conducting penetration testing, vulnerability assessments, and social engineering. Ability to work under pressure, facilitate discussions, decision-making, and conflict resolution. Hands-on experience with security tools such as static analysis, dynamic analysis, and vulnerability scanners. Proficiency in analyzing high volumes of logs, network data, and other attack artifacts, with strong analytical and problem-solving skills. Experience with Security Audits, Incident Response, Threat Modeling, Monitoring, and Analysis. Proficiency with antivirus and security software, along with a strong understanding of offensive security tools and techniques. Preferred certifications include CISSP, OSCP, OSWE, GIAC PNPT. Bachelor s degree in computer science, Information Systems, or equivalent education/work experience.

Business Process and Policy Management The candidate must have the following skill set: Ensure Business Rules, work instructions, process flow and policies are maintained as per BPM (Business Process Management) standard and are aligned with Organizations strategic goals. Possess clear understanding on End-to-End NBFC Organizations value chain and supporting functions. Lead Implementation of effective Policy or Process governance . Be a single point of contact and gatekeeper for all process/policies related exceptions, queries and change implementation, business risks mitigation, adopting best practices & develop recommendations. Local policy administrator Ensure regulatory policies rollout and updates are enacted. Driving Business Controls activities. Key responsibilities of the Business Process and Policy Management function Business Process and Policy Management (BPPM) involves overseeing and optimizing business processes and ensuring compliance with policies and regulations. The candidate will focus on improving operational efficiency, ensuring effective governance, and aligning organizational strategies with defined policies. The role is integral to aligning business operations with organizational goals, legal requirements, and industry standards. 1. Business Process Design and Optimization Process Mapping: Document and analyze existing business processes to identify inefficiencies, bottlenecks, and areas for improvement. Process Re-engineering: Redesign business processes to optimize performance, reduce costs, and improve service delivery. Continuous Improvement: Apply process improvement methodologies (e.g., Six Sigma, Lean, Kaizen) to drive ongoing improvements in business operations. Automation: Recommend or implement process automation solutions to streamline workflows and reduce manual intervention. 2. Policy Development and Compliance Policy Creation: Develop and implement policies that govern the organization s operations, ensuring they align with legal requirements, industry standards, and internal goals. Policy Review and Updates: Regularly review existing policies and update them to reflect changes in laws, regulations, and company objectives. Compliance Monitoring: Ensure that business processes and activities are compliant with internal policies, regulatory requirements, and external standards. Risk Management: Identify potential risks associated with business processes and policies and implement mitigation strategies to minimize exposure. 3. Stakeholder Collaboration Cross-Functional Collaboration: Work with various departments (IT, HR, finance, operations, etc.) to ensure business processes align with overall business strategy and that policies are properly implemented. Training and Support: Provide training to employees on new or updated policies and processes, ensuring that staff are informed and can comply with them. Change Management: Manage changes to business processes and policies, ensuring smooth transitions and minimal disruption to operations. 4. Performance Measurement and Reporting KPI Development: Define key performance indicators (KPIs) and metrics to assess the effectiveness of business processes and adherence to policies. Monitoring and Reporting: Track performance against established goals and report progress to leadership, identifying areas for improvement. Data Analysis: Collect and analyze data related to process performance and policy adherence to inform decision-making and continuous improvement efforts. 5. Technology Integration Process Management Tools: Implement and manage software tools (e.g., Business Process Management Software, workflow automation platforms) to optimize processes and ensure adherence to policies. Digital Transformation: Assist in the digital transformation of business processes, integrating new technologies to enhance productivity and innovation. Document Management Systems: Oversee the creation, storage, and management of policies, ensuring proper documentation and version control. 6. Governance and Auditing Governance Framework: Establish governance frameworks that define roles, responsibilities, and accountability for managing processes and policies. Internal Audits: Conduct regular audits to ensure that business processes and policies are being followed correctly and effectively. Regulatory Compliance: Keep track of regulatory changes that might impact processes or policies, and adjust accordingly to maintain compliance. 7. Strategic Alignment Business Strategy Alignment: Ensure that business processes and policies are aligned with the overall business strategy, organizational goals, and customer needs. Process and Policy Innovation: Drive innovation in process management and policy design to stay competitive in the marketplace. Cost Management: Ensure that processes are designed and policies are enforced in a cost-effective manner, balancing efficiency with compliance. 8. Documentation and Standardization Standard Operating Procedures (SOPs): Develop and maintain SOPs that define standard practices for business processes. Documentation of Best Practices: Identify, document, and disseminate best practices across the organization to standardize processes. Knowledge Management: Maintain a repository of knowledge related to processes, policies, and best practices for easy reference by stakeholders. 9. Customer and Supplier Relationships Supplier Management: Ensure that suppliers business processes align with the organization s policies, especially regarding quality, delivery, and compliance. Customer Experience: Review business processes from a customer perspective to ensure the company delivers excellent customer service while adhering to policies

Job Description Position / Designation State Legal Manager Secured & Unsecured Lending Business Grade E1 Employment Type All Employment Type Reporting to Designation & Grade Zonal Credit Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Legal Manager Secured & Unsecured Lending Business Grade MM1 Employment Type All Employment Type Reporting to Designation & Grade Zonal Credit Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Position Overview As a key member of our leadership team, you will be responsible for overseeing and optimizing the end-to-end operational processes related to co-lending activities, both in the secured and unsecured lending segments. This role involves ensuring operational efficiency, compliance, and seamless collaboration with co-lending partners and other stakeholders. Key Responsibilities: Operational Strategy: Develop and implement a strategic plan for co-lending operations that aligns with the companys overall business goals and regulatory requirements. Continuously assess and improve operational processes to enhance efficiency and scalability. Team Leadership: Recruit, train, and lead a high-performing co-lending operations team. Set clear performance objectives, provide guidance, and conduct performance evaluations. Foster a culture of collaboration, accountability, and continuous improvement within the team. Process Optimization: Streamline and standardize co-lending processes to ensure consistency and compliance with internal policies and regulatory guidelines. Identify opportunities for automation and technology enhancements to improve operational efficiency. Partnership Collaboration: Collaborate closely with co-lending partners, fintechs, and other stakeholders to ensure seamless operations. Establish and maintain strong working relationships with partners to resolve operational issues and drive process improvements. Risk Management: Work in conjunction with the risk and compliance teams to monitor and manage operational risks associated with co-lending activities. Implement robust risk assessment and mitigation strategies. Quality Control and Compliance: Ensure that co-lending operations adhere to all relevant regulatory requirements, including KYC (Know Your Customer) and AML (Anti-Money Laundering) standards. Conduct regular audits and reviews to maintain a high level of operational quality and compliance. Reporting and Analytics: Establish key performance indicators (KPIs) and develop reporting mechanisms to monitor and report on operational performance. Use data and analytics to make informed decisions and drive operational improvements. Qualifications: Bachelors degree in Business, Finance, or a related field (MBA preferred). At least 14 years of experience in operations leadership roles within the financial services industry, with a strong background in co-lending. Proven track record of optimizing operational processes and achieving efficiency gains. Excellent knowledge of regulatory compliance in lending operations. Strong leadership and communication skills. Analytical mindset with the ability to solve complex operational challenges.

Job Description Position / Designation Legal Manager Secured & Unsecured Lending Business Grade MM3 Employment Type All Employment Type Reporting to Designation & Grade Legal Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Legal Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade National Legal Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description Position / Designation Legal Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade National Legal Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Position / Designation Grade Employment Type All Employment Type Reporting to Designation & Grade No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Ops Lead- Loan against SGB Location: Bangalore Experience: 3-6 Years What is Muthoot FinCorp ONE Muthoot FinCorp ONE, is a fintech startup, building a financial ecosystem where customers can access relevant and reliable digital services across an expansive range of digital financial products in segments like Lending, Saving & Investment, Protection, and Remittance. Our products are designed to ensure a simple, reliable, and responsive financial environment for our customers. Envisioned to be the most trusted financial service provider, our app has an easy-to-use interface aimed to enhance user experience and comfortable navigation. Our promoter, Muthoot FinCorp Ltd., is one of the most reputed names in the Fintech industry and has the customers trust in diverse segments like Financial Services, Automotive, Hospitality, Alternate Energy, Real Estate, and Precious Metals. In our quest to build teams across diversified domains, we recently acquired Paymatrix, an award-winning start-up founded in 2016. It has helped us venture into rent and rent-related payments and other vendor payments using credit cards. Currently, we are working on transforming Paymatrix into a Virtual POS platform. Muthoot FinCorp ONE believes in an ownership driven startup culture, where cumulative success is paramount, and each team member is valued and nurtured. Job Description As the Operations Lead for managing loan against SGB, you will play a pivotal role in ensuring the efficient and effective execution of lending operations. You will be responsible for overseeing the day-to-day activities related to the loan disbursements, collections, partner coordination, and performance monitoring. Key Responsibilities: Manage the end-to-end operations of loan against SGB. Develop and maintain strong relationships with the teams to ensure smooth execution of loan disbursements and collections. Monitor loan portfolio performance and identify areas for improvement in partnership with the credit and risk management teams. Coordinate with internal teams including credit, risk, and technology to streamline processes and enhance operational efficiency. Conduct regular reviews and analysis of operational data to identify trends, opportunities, and risks. Ensure compliance with regulatory requirements and internal policies. Drive initiatives to enhance customer experience and satisfaction through efficient loan servicing and support. Prepare and present regular reports to management on operational performance, key metrics, and initiatives. Stay updated on industry trends, regulatory changes, and best practices related to lending and financial services. Qualifications: Bachelor s degree in business administration, Finance, Economics, or related field. MBA or equivalent qualification preferred. 5+ years of experience in financial services, banking, or microfinance, with a focus on lending operations. Proven track record of successfully managing operations for loan products or similar financial products. Strong analytical skills with the ability to interpret data and draw actionable insights. Excellent communication and interpersonal skills, with the ability to build and maintain relationships with internal and external stakeholders. Ability to work effectively in a fast-paced, dynamic environment and manage multiple priorities simultaneously. Proficiency in MS Office applications, particularly Excel, PowerPoint, and Word. Knowledge of regulatory requirements and compliance standards related to lending against securities is preferred. Demonstrated leadership abilities with experience in leading and motivating teams.

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : State Legal Manager Secured & Unsecured Lending Business 3 Grade : Manager D1 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : Zonal Legal Manager / State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : Key Result Areas and Supporting ActionsProviding integrated legal support towards acquisition and resolution of financial assets and transaction structuring. To conduct/ organize title search with Land Registrar, ROC, Revenue Department, Court Search, Notification search etc for tracing/ confirming title to security proposed to be provided to ARC. To conduct/ organize vetting of security documents of underlying financial assets which includes loan agreements, mortgage deeds etc. To provide active support to business, risk and research teams in finalizing the transaction / security structure and terms and conditions for a proposal Partner with acquisition and resolution, tax, and operations teams and subject matter experts to structure, devise, negotiate, implement and manage complex transactions and documents To actively partner and coordinate with internal and external stakeholders and advisers to efficiently execute transactions while mitigating relevant risks To formulate legal strategy for the acquisition, resolution and recovery of stressed accounts. To conduct legal due diligence of various contracts pertaining to the projects appraised by ARC and identify the legal risks involved therein, elevating them as appropriate and devising practical solutions for risk mitigation. Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries, and other data requests. 8 Skills and Exposure : 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : Indore / Ahmedabad / Jaipur 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with business heads 14 Career Progression : B 15 Educational Qualification / Technical Certification : LLB in Any Specialization 16 Skill Sets : Experience in SULB business 17 Communication Skills : Good oral, written and presentation skills 18 Experience : years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description Position / Designation Legal Manager Secured & Unsecured Lending Business Grade Employment Type All Employment Type Reporting to Designation & Grade National Legal Head Secured & Unsecured Lending Business No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : State Legal Manager Secured & Unsecured Lending Business 3 Grade : Manager D1 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : Zonal Legal Manager / State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : Key Result Areas and Supporting ActionsProviding integrated legal support towards acquisition and resolution of financial assets and transaction structuring. To conduct/ organize title search with Land Registrar, ROC, Revenue Department, Court Search, Notification search etc for tracing/ confirming title to security proposed to be provided to ARC. To conduct/ organize vetting of security documents of underlying financial assets which includes loan agreements, mortgage deeds etc. To provide active support to business, risk and research teams in finalizing the transaction / security structure and terms and conditions for a proposal Partner with acquisition and resolution, tax, and operations teams and subject matter experts to structure, devise, negotiate, implement and manage complex transactions and documents To actively partner and coordinate with internal and external stakeholders and advisers to efficiently execute transactions while mitigating relevant risks To formulate legal strategy for the acquisition, resolution and recovery of stressed accounts. To conduct legal due diligence of various contracts pertaining to the projects appraised by ARC and identify the legal risks involved therein, elevating them as appropriate and devising practical solutions for risk mitigation. Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries, and other data requests. 8 Skills and Exposure : 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : Indore / Ahmedabad / Jaipur 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with business heads 14 Career Progression : B 15 Educational Qualification / Technical Certification : LLB in Any Specialization 16 Skill Sets : Experience in SULB business 17 Communication Skills : Good oral, written and presentation skills 18 Experience : years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Position / Designation Grade Employment Type All Employment Type Reporting to Designation & Grade No. of Reportees, Designation & Grade Main Tasks & Areas of Responsibility Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests. Skills and Exposure Special Requirements (If any) Must have experience in Secured lending / unsecured lending business Job Location / State Any where in India Compensation Band As per policy Entitlements As per policy Stake Holders Should be able to manage multiple stakeholders and collaborate with business heads Career Progression Educational Qualification / Technical Certification LLB in Any Specialization Skill Sets Experience in SULB business Communication Skills Good oral, written and presentation skills Experience 4+years of overall experience Behavioral Competencies Uncompromising ethical standards and discipline expected

Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests.

Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries and other data requests.

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : State Legal Manager Secured & Unsecured Lending Business 3 Grade : Manager D1 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : Zonal Legal Manager / State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : 7 Main Tasks & Areas of Responsibility : Key Result Areas and Supporting ActionsProviding integrated legal support towards acquisition and resolution of financial assets and transaction structuring. To conduct/ organize title search with Land Registrar, ROC, Revenue Department, Court Search, Notification search etc for tracing/ confirming title to security proposed to be provided to ARC. To conduct/ organize vetting of security documents of underlying financial assets which includes loan agreements, mortgage deeds etc. To provide active support to business, risk and research teams in finalizing the transaction / security structure and terms and conditions for a proposal Partner with acquisition and resolution, tax, and operations teams and subject matter experts to structure, devise, negotiate, implement and manage complex transactions and documents To actively partner and coordinate with internal and external stakeholders and advisers to efficiently execute transactions while mitigating relevant risks To formulate legal strategy for the acquisition, resolution and recovery of stressed accounts. To conduct legal due diligence of various contracts pertaining to the projects appraised by ARC and identify the legal risks involved therein, elevating them as appropriate and devising practical solutions for risk mitigation. Drafting and vetting of transaction documents Finalizing the documents in connection with the acquisition of financial assets by ARC from other banks /financial institutions. Devising all the documents for issuance for security receipts by ARC to qualified institutional buyers. Overseeing all documents, process and compliance for additional investments into the ARC (e.g., additional equity or NCDs) and all agreements the ARC is a party too To oversee external counsel/subject matter experts in connection with documentation Set up and administer efficient systems and processes towards legal risk management To anticipate and guard against legal and regulatory risks facing ARCs business To set up, implement and periodically update Legal SOP comprising of standard procedure for administering/ managing legal functions involving corporate legal issues, dispute resolution, due diligence, DMS, empanelment etc. To efficiently manage/ support other legal process initiatives including security release/ replacement, MIS, DMS, empanelment etc. To keep informed of industry-specific regulations to ensure that appropriate risk management strategies are in place To analyze legal and regulatory issues for their impact on specific investments, investment strategies and relevant regulatory implications Dispute Resolution To set-up efficient dispute resolution strategy. Handling SARFAESI/ IBC and other legal matters before legal fora and with with external counsel. To closely co-ordinate with lawyers on various forms of dispute resolution To efficiently manage litigation data and documents including details of orders, awards, claims, counter-claims, litigation etc. General Support To provide support towards drafting and vetting of non-lending contracts, e.g., service provider agreement, non-disclosure agreements, I.T Contracts, H.R Contracts etc. To provide opinion/ advise on any day to day/ legal issue. To focus on skill enhancement & team development Periodically conduct sessions/ seminars on concerned legal and regulatory subjects. Arrange for training of the Legal Team, Compliance Team and Corporate Secretarial Team from time to time to keep the team updated with changing laws and precedents To share legal updates with the relevant ABC and Varde representatives on legal and regulatory issues pertaining to AB ARC business. Compliance To develop and maintain strong knowledge of laws, regulations and industry best practices for ARCs, stressed and distressed asset acquisitions and restructurings. To monitor and report on developments in compliance and regulatory arena. To oversee the planning and execution of compliance programs, including monitoring, testing, identifying opportunities for improvement and communicating value added recommendations To be responsible for ensuring compliance with applicable laws and regulations, regulatory and compliance filing activities, detecting any compliance issues and executing correction actions to correct compliance issues. Oversee regulatory examinations, inquiries, and other data requests. 8 Skills and Exposure : 9 Special Requirements (If any) : Must have experience in Secured lending / unsecured lending business 10 Job Location / State : Indore / Ahmedabad / Jaipur 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with business heads 14 Career Progression : B 15 Educational Qualification / Technical Certification : LLB in Any Specialization 16 Skill Sets : Experience in SULB business 17 Communication Skills : Good oral, written and presentation skills 18 Experience : years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Areas of Responsibility : *Oversee the development of the secured & unsecured division including delivery on portfolio targets and quality parameters. Hire and lead a high performing team. Implement and lead a continuous quality improvement process, focusing on systems and process development. Create a culture that embodies creativity, innovation, high integrity, performance orientation, and commitment to work. Ensure the best practices for internal control and risk management. Recruit, motivate, mentor and lead a high-caliber team Prepare reports related to new business initiatives Study the market trends, identify disruptions, analyze and propose counter actions to stay relevant. Analyze Competitors, in terms of Marketing strategies, business development initiatives, products etc. and report the market trends on a regular basis Communicate with employees across all levels and customers to understand the bottle necks and expectations from the market to stay abreast with the industry trends. Coordinating and driving sales through Zonal Sales teams Special Requirements (If any) : A strong strategic and business mindset Solid understanding of data analysis, budgeting and business operations Cultural alignment Skill Sets : Training & mentoring, Retail Sales, Channel Management, Team Management, Leadership Skills, Strategic Planning, Analytical Ability Communication Skills : Excellent communication Skills English language fluency - both verbal and written Experience : 15Year(s)0 Month(s) Behavioral Competencies : Goal Focus, Perseverance, Integrity, Interpersonal Skills, Negotiation, Information Seeking, Analytical thinking, Team effectiveness/Sensitivity