5718 Underwriting Jobs - Page 17

Credit Manager-Working Capital-Credit JOB DESCRIPTION Job Role :As part of Credit Team for Working Capital Finance Managing team of Credit Managers Underwriting & making proposals of Working Capital Finance ( Fund & Non Fund based ) Under writing cases with desired level of quality and enabling achievement of branch business target by proper training. Visiting customers for personal discussions and deal structuring Studying monitoring reports & keeping track of portfolio quality. Taking necessary steps to ensure that the required quality levels are maintained To evaluate proposals of customers for Home Loans, Loan against Property Decision making within defined TAT Understanding of property related aspects (like legal title and market value of the property) is an added advantage Coordinating with sales, operations, legal, technical and customer service Job Requirements: Qualification- CA with relevant underwriting experience Job Knowledge – o Technical underwriting experience o Analytical skills Skills & Experience – o Experience of 2-4 years in relevant working capital products is desired, o Should be able to handle time bound activities effectively o Should be an effective team player. o Should have a sense of urgency & keenness to learn.

Key Responsibilities of a Life Insurance Agent: Client Engagement and Sales: Interviewing prospective clients, conducting needs analyses to understand their financial situation, educating them on various life insurance policies (term, whole, universal life), and recommending appropriate coverage options. Policy Management and Administration: Assisting clients with the application and underwriting process, ensuring all necessary forms are completed, managing policy changes, and maintaining client records and databases. Client Support and Service: Providing excellent customer service, addressing inquiries regarding billing, coverage, and eligibility, and guiding beneficiaries through the claims process. Business Development: Identifying sales opportunities through networking, referrals, and marketing strategies, building and maintaining a pipeline of leads, and meeting sales goals. Industry Compliance and Knowledge: Staying up-to-date on life insurance regulations, underwriting requirements, product offerings, and industry trends, and maintaining necessary licenses and certifications. Job Types: Full-time, Part-time, Fresher Pay: ₹25,000.00 - ₹30,000.00 per month Expected hours: 14 per week Benefits: Health insurance Life insurance Provident Fund Work Location: In person

Key Responsibilities: Loan Assessment & Underwriting: Evaluate loan proposals received from branches or digital platforms. Perform credit appraisal, financial analysis, and risk assessment of individuals and businesses. Recommend/approve credit limits based on internal policies. Policy Adherence & Risk Management: Ensure compliance with the company’s credit policies, RBI norms, and KYC guidelines. Flag deviations and propose exceptions where applicable. Portfolio Monitoring: Track the performance of disbursed loans, monitor delinquency trends, and initiate corrective actions. Periodically review and revise underwriting norms based on changing risk profiles. Coordination & Training: Work closely with sales, operations, and legal teams for seamless processing of loan applications. Train field credit officers or branch staff on credit appraisal techniques and documentation. Reporting & Documentation: Prepare MIS reports, dashboards, and exception reports for senior management. Maintain accurate and updated credit files, approvals, and records. Key Skills & Competencies: Strong analytical and financial evaluation skills Understanding of credit risk, loan structuring, and underwriting standards Knowledge of regulatory compliance in NBFCs Proficiency in MS Excel, Loan Management Systems, and credit scoring models Good communication and decision-making skills Qualification & Experience: Graduate/Postgraduate in Finance, Commerce, Economics, or a related field MBA/CA/CFA preferred 3–7 years of experience in credit assessment or risk in an NBFC or bank (sector-specific: MSME, Personal Loan, Gold Loan, etc.) Job Types: Full-time, Permanent Pay: ₹20,000.00 - ₹24,000.00 per month Work Location: In person

Job Description: About Us At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. One of the keys to driving responsible growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Global Business Services Global Business Services delivers Technology and Operations capabilities to Lines of Business and Staff Support Functions of Bank of America through a centrally managed, globally integrated delivery model and globally resilient operations. Global Business Services is recognized for flawless execution, sound risk management, operational resiliency, operational excellence, and innovation. In India, we are present in five locations and operate as BA Continuum India Private Limited (BACI), a non-banking subsidiary of Bank of America Corporation and the operating company for India operations of Global Business Services. Process Overview* Banking & Lending Product Technology team is responsible for all Consumer and Small business banking and lending products catering to Retail and Preferred customers clients. The products include Credit Cards for Retail as well as Small Business customers, Deposits, Consumer Lending and Client Underwriting (including Vehicle Loans and Home Loans). This team performs application development, testing (functional and automation), design/architecture and business analysis functions to deliver the technology solutions through robust and scalable application platforms developed on various technologies such as Spring Boot, WebMethods, ETL, Java/J2EE, Angular JS, Mainframe, SQL Server, DB2 and Oracle. Shared Integration & Data services team provides Shared real time and batch integration services and shared frameworks and data services for credit card, deposit, and Lending applications. Job Description* . Responsible for development, support, maintenance and implementation of a project module either as individual contributor or through a team. Works as a guide and sets directions for medium sized projects, may lead special initiatives. Ensure low downtime for systems and related services. Role is capable of finding out new methods and processes to approach complex situations in the SIPH. Requires expert knowledge of Spring Boot, Webservices and Credit Card domain. Expected to continue to build upon domain knowledge and technical/ proprietary skills to reach levels of expertise, while adapting standard principles. Responsible for design and development of Solutions for ongoing initiatives as a part of Scrum Team, work closely with Scrum Master and Product Owner to understand the use cases and stories, implement the code, test it and support the implementation to Production. Actively participate in all the scrum routines and discussions. Responsibilities* Key responsibilities include: Work with the Scrum Master and Product Owner to understand the requirements and stories. Actively participate in all agile routines. Design, Develop, Test, Document the solution and support production implementation. Work with the stake holders in determining and documenting the application Future strategy and Road Map. Work with Architecture team to align the team towards application strategy and roadmap. Participate in Initiative design discussions and help the team in designing a future ready software. Designs and develops solution architecture and design for enterprise wide systems and supports implementation and deployment by working closely with the delivery teams. Brings a deep understanding of application with focus on challenges and opportunities. Understands complexity of adapting to an enterprise-wide standards and guidelines and suggests solutions. Responsible for components of complex engineering and/or analytical tasks and activities. Ensure all internal processes, procedures, and policies are effectively enforced. Serves as a fully seasoned/proficient technical resource; provides tech knowledge and capabilities as a team member and individual contributor. Will work closely with business partners and technology systems owners to define requirements for POC initiatives, ability to understand and adapt new technologies independently. Exercises judgment within broadly defined practices and policies in selecting methods, techniques, and evaluation criterion for obtaining results. Requirements Education* Graduation / Post Graduation Experience Range* 7 to 9 Years Foundational skills* Java, Spring Boot, REST Web Services, Design Patterns, GitHub Co-pilot Desired skills* Angular, OpenShift, DevOps, GitHub Co-pilot Work Timings*: 11 AM to 8 PM Job Location*: Chennai

Ready to shape the future of work? At Genpact, we don’t just adapt to change—we drive it. AI and digital innovation are redefining industries, and we’re leading the charge. Genpact’s AI Gigafactory , our industry-first accelerator, is an example of how we’re scaling advanced technology solutions to help global enterprises work smarter, grow faster, and transform at scale. From large-scale models to agentic AI , our breakthrough solutions tackle companies’ most complex challenges. If you thrive in a fast-moving, tech-driven environment, love solving real-world problems, and want to be part of a team that’s shaping the future, this is your moment. Genpact (NYSE: G) is an advanced technology services and solutions company that delivers lasting value for leading enterprises globally. Through our deep business knowledge, operational excellence, and cutting-edge solutions – we help companies across industries get ahead and stay ahead. Powered by curiosity, courage, and innovation, our teams implement data, technology, and AI to create tomorrow, today. Get to know us at genpact.com and on LinkedIn , X , YouTube , and Facebook Inviting applications for the role of Principal Consultant, Tester Credit Lending, AI-ML, & GenAI In this role, you will be responsible for detail-oriented lead Tester role for next-generation Credit Lending powered by AI/ML and Generative AI. This role combines financial domain expertise with technical QA leadership to ensure high-quality delivery of intelligent credit risk systems, loan origination workflows, and AI-enhanced decision engines. Responsibilities Design, develop, and execute manual and automated test cases for Credit Lending with AI/ML and GenAI integrations. Lead QA efforts for platforms and tools related to credit scoring, loan origination, underwriting automation , and risk assessment . Design and drive test strategies for systems integrating AI/ML models for credit risk prediction, fraud detection, and customer profiling. Validate Generative AI-driven outputs such as auto-generated credit summaries, customer communication drafts, and intelligent document processing. Review, define, and execute test plans, test cases, and test data for lending workflows involving AI/ML algorithms and scoring engines. Collaborate with data scientists and credit analysts to understand model behavior , thresholds, feature importance , and ensure explainability. Perform functional, regression, data integrity, and model validation testing . Use tools like Postman, Python, SQL, Selenium, or custom frameworks to automate and streamline QA processes. Ensure compliance with regulatory standards (e.g., FCRA, GDPR, lending regulations) and AI fairness, bias, and transparency . Work with product and business stakeholders to align QA strategy with lending KPIs and credit policy outcomes . Qualifications we seek in you! Minimum Qualifications QA experience, with experience in a lead role . Proven domain knowledge in consumer or commercial lending , credit scoring , or loan lifecycle systems. Strong understanding of AI/ML workflows including model validation, supervised learning, and prediction-based decisioning. Exposure to Generative AI tools/APIs (e.g., OpenAI, Claude, Azure OpenAI) used in financial document automation or decision support. Experience with test automation frameworks (Selenium, TestNG, Python scripting) and API testing tools . Working knowledge of SQL for data validation and JSON/XML for API payload verification. Familiarity with credit industry platforms/tools like FICO, Experian, TransUnion APIs , or loan origination systems (LOS) . Strong communication skills and ability to work with cross-functional teams (Product, Data Science, Risk, Compliance). Data Science: Understand, analyze , and prepare data used in AI development. Preferred Qualifications/ Skills Experience with model governance tools , bias/fairness audits, or AI observability platforms. Certifications in AI/ML , ISTQB , or credit analytics . Understanding of explainable AI (XAI) and credit model interpretability techniques (e.g., SHAP, LIME). Experience with CI/CD pipelines , version control (Git), and Agile methodologies. Testing including API testing, Experience in Coding in Python Exposure to conversation design , dialogue flow , or intent training . Certifications in AI/ML or GenAI , cloud technologies. Why join Genpact? Be a transformation leader – Work at the cutting edge of AI, automation, and digital innovation Make an impact – Drive change for global enterprises and solve business challenges that matter Accelerate your career – Get hands-on experience, mentorship, and continuous learning opportunities Work with the best – Join 140,000+ bold thinkers and problem-solvers who push boundaries every day Thrive in a values-driven culture – Our courage, curiosity, and incisiveness - built on a foundation of integrity and inclusion - allow your ideas to fuel progress Come join the tech shapers and growth makers at Genpact and take your career in the only direction that matters: Up. Let’s build tomorrow together. Genpact is an Equal Opportunity Employer and considers applicants for all positions without regard to race, color , religion or belief, sex, age, national origin, citizenship status, marital status, military/veteran status, genetic information, sexual orientation, gender identity, physical or mental disability or any other characteristic protected by applicable laws. Genpact is committed to creating a dynamic work environment that values respect and integrity, customer focus, and innovation. Furthermore, please do note that Genpact does not charge fees to process job applications and applicants are not required to pay to participate in our hiring process in any other way. Examples of such scams include purchasing a 'starter kit,' paying to apply, or purchasing equipment or training. Job Principal Consultant Primary Location India-Kolkata Schedule Full-time Education Level Bachelor's / Graduation / Equivalent Job Posting Jul 25, 2025, 8:45:43 AM Unposting Date Ongoing Master Skills List Digital Job Category Full Time

Work as a Business Analyst/SME for commercial lending projects, helping banks improve their lending processes for business and corporate customers. Gather and document business requirements across credit initiation, underwriting, approvals, documentation, disbursement, and servicing stages. Create business requirement documents (BRD), functional specifications, and user stories to support agile project delivery. Manage product backlogs, help with sprint planning, and work closely with technology teams using tools like JIRA, Confluence Partner with credit, risk, operations, and technology teams to design simple, user-friendly, and compliant solutions. Support internal practice building activities like creating solution templates, writing white papers, and participating in industry events. Assist in preparing client presentations, demos, and RFP responses as part of sales and business development efforts. Maintain good understanding of lending regulations (like Basel norms), collateral practices, and new trends such as digital onboarding and AI in lending. Work on projects involving lending platform modernization, migrations, or system upgrades (e.g., LoanIQ, nCino, ACBS). Experience with any major lending platform is a strong plus.

HOI (Homeowners Insurance) Review Specialist Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting, and closing services to the largest banks and loan originators. Position Overview The HOI (Homeowners Insurance) Review Specialist is responsible for reviewing and validating homeowners insurance documents to ensure compliance with lender and investor requirements. This role requires attention to detail, strong analytical skills, and the ability to communicate effectively with internal teams and external insurance providers. The specialist will ensure that all insurance documentation is accurate, complete, and meets the necessary guidelines for loan processing and closing. Essential Job Functions  - Review homeowners insurance policies for accuracy and compliance with lender requirements.  - Verify coverage amounts, effective dates, deductibles, and mortgagee clauses.  - Ensure insurance documents meet investor and regulatory guidelines.  - Communicate with insurance agents and borrowers to obtain missing or corrected documentation.  - Update loan origination systems with accurate insurance information.  - Collaborate with processing, underwriting, and closing teams to resolve insurance-related issues.  - Track and follow up on expiring or insufficient insurance policies.  - Maintain documentation and audit trails for all insurance reviews.  - Provide excellent customer service to internal and external stakeholders.  - Stay current on industry standards and changes in insurance requirements. Requirements  - 2–4 years of experience in mortgage or insurance services, preferably in homeowners insurance review.  - Strong knowledge of homeowners insurance policies and mortgage requirements.  - Excellent attention to detail and organizational skills.  - Effective written and verbal communication skills.  - Ability to manage multiple tasks in a fast-paced, deadline-driven environment.  - Proficiency in Microsoft Office and loan origination systems.  - Strong analytical and problem-solving abilities.  - Commitment to maintaining compliance and data integrity.  - Availability to work U.S. business hours.

Greetings from THE JOB FACTORY !! A Mortgage Underwriter plays a pivotal role in the loan approval process by assessing and evaluating the financial profiles of potential borrowers. They meticulously analyze credit reports, income statements, employment history, and other pertinent financial data to determine the risk involved in granting a mortgage. By adhering to strict lending guidelines and regulatory requirements, Mortgage Underwriters ensure that loans are both financially viable and compliant. Their expertise not only helps in mitigating risk for lenders but also provides borrowers with a fair assessment of their eligibility for home financing. For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in Key Responsibilities - Evaluate and verify loan applications to ensure compliance with regulations - Analyze credit reports, income documentation, and property appraisals - Approve or deny loan applications based on comprehensive risk assessments - Maintain detailed records of evaluations and decisions - Ensure compliance with regulatory guidelines and internal policies Requirements - Bachelor's degree in any stream - Min 1 years of experience in mortgage underwriting or related field - Strong analytical and problem-solving skills - Excellent communication and decision-making skills - Proficiency in financial analysis, risk evaluation, and documentation For More Details Call : HR Swathi @ 9538878907 (call or whats app) Email id : Swathi@thejobfactory.co.in

We have an urgent requirement for Business Analyst – General Insurance Domain for our client based in Tharamani, Chennai Key Responsibilities Conduct detailed Business Analysis to gather, document, and analyze requirements from stakeholders. Work closely with clients and internal teams to understand end-to-end processes in General Insurance, with a strong focus on Fire, Engineering, Liability, Accident, and Marine lines of business. Prepare key documentation such as Functional Requirements Document (FRD), Acceptance Criteria Document (ACD), and maintain requirement traceability matrices. Create clear and effective user flows, process flow charts, and functional diagrams to support system understanding and solution design. Analyze and map existing business processes, ensuring comprehensive coverage of all functional requirements. Collaborate with users to prioritize and validate requirements, keeping expectations realistic and within project scope. Act as a liaison between stakeholders and technical teams to ensure smooth communication and accurate delivery. Provide functional expertise in underwriting, claims, and basic reinsurance processes in a general insurance context. Participate in end-to-end project implementations—including requirement gathering, system configuration, testing, user training, UAT support, and go-live activities. Ensure quality deliverables, adherence to timelines, and process alignment with insurance product workflows. Key Requirements Strong experience in Business Analysis and Requirement Gathering. Domain expertise in General Insurance with working knowledge of underwriting, claims, and reinsurance. Prior experience with end-to-end insurance software product implementation. Excellent documentation skills – FRD, ACD, Traceability Matrix. Proficiency in tools for process mapping and diagramming (e.g., MS Visio, Lucidchart). Strong interpersonal and communication skills in English (spoken and written). Ability to independently manage stakeholder expectations and facilitate requirement workshops. Experience in project implementation lifecycle is a strong advantage. Skills: reinsurance,documentation (frd, acd, traceability matrix),requirement gathering,underwriting,insurance,stakeholder management,general insurance,business analysis,communication,process mapping,diagramming (ms visio, lucidchart),claims

Location: Kothrud Pune Salary:- 15000 to 40000 Company Description:- Accurate Risk managers and Insurance Brokers, located in Pune, is a leading Insurance Consulting and Risk Advisory company specializing in Risk Management, Risk Mitigation, and Insurance Placement. They provide end-to-end solutions under one roof and are among the top Employee Benefits Consultants in the Insurance Industry. Job Title: Underwriter – Commercial Lines The Underwriter is responsible for evaluating and analyzing the risks involved in Commercial insurance proposals- Fire, Engineering, Marine, Liability. They ensure sound underwriting practices while working closely with insurers and clients to secure optimal coverage and terms. Key Responsibilities: 1) Evaluate and assess insurance proposals as per IRDA underwriting guidelines and documentation for Commercial insurance proposals- Fire, Engineering, Marine, Liability . 2) Recommend suitable products, terms, and comparitive premiums to internal sales team/customers. 3) Coordinate with insurers for quote procurement, premium negotiations and policy issuance within TAT. 4) Ensure accuracy in documentation like proposal forms, declarations, and endorsements. 5) Coordinate with internal teams – sales, operations, and claims – for smooth service delivery. 6) Maintain accurate underwriting records and reports. 7) Maintaining claim documentation for fire, engineering , marine & liability. Key Skills & Competencies: 1) Sound knowledge of underwriting practices across Commercial Lines products (including fire , engineering, marine & liability). 2) Excellent verbal & written communication skills. 3) Excellent MS Office skills like advanced Excel, PowerPoint presentations. 4) Familiarity with IRDAI regulations and insurance systems. Qualifications: 1) Preferably engineering or any Graduate & Insurance certifications like Licentiate / Associate from III will be preferred. 2) 2–5 years of underwriting experience in General Insurance company or Insurrance Broking Company . 5 freshers also can apply Salary:- Freshers -15000 in training period and after confirmation salary will be as per company norms. Experienced based on last salary and range is 25000-35000 based on skill set

- To profitably grow & manage speciality lines portfolio - Surety Bond Insurance, Trade Credit Insurance etc - Develop Underwriting practices towards profitability - Develop Efficient processes for underwriting & document issuance - All Compliances Required Candidate profile 8+ years in commercial lines underwriting 2+ years Surety Bond / Trade Credit Insurance Good exp in Developing UW Processes Ensuring Compliance Manage Profitability Portfolio management skills Perks and benefits Great Opportunity

Job Description Position Title: Assistant Manager – P&C Product Pricing Designation Level: M2/M3/M4 (Assistant Manager / Deputy Manager / Manager) No. of Positions: 1 Location: Mumbai Function: Actuarial – P&C Product Pricing CTC: Up to ₹12 LPA Preferred Industry: General Insurance Role Overview This role involves end-to-end pricing of general insurance products using statistical techniques, supporting product design and development, and ensuring compliance with regulatory requirements. The candidate will play a key part in creating, refining, and maintaining robust pricing models, while collaborating across functions to deliver actuarially sound products. Responsibilities Propose and develop rating structures and pricing for retail P&C insurance products using techniques like Generalized Linear Models (GLM). Collaborate in the development and enhancement of new products alongside stakeholders from product, underwriting, and actuarial teams. Build and maintain pricing models using Excel, EMBLEM, and other relevant platforms. Ensure pricing models are technically sound and well-documented, with appropriate assumptions and validations. Conduct profit testing and sensitivity analysis, summarizing insights for decision-makers. Prepare documentation including pricing reports, F&U notes, and IRDA filing support. Review and finalize assumptions for pricing models and obtain necessary internal sign-offs. Drive technical pricing dashboards and support data analytics initiatives. Maintain high standards of model accuracy, auditability, and compliance. Take ownership of pricing outputs before further review and regulatory submission. Required Qualifications & Experience Minimum of 6 Actuarial exams cleared. 3–5 years of experience in general insurance or actuarial consulting, preferably in motor or health product pricing. Proficiency in statistical tools like EMBLEM, R, SAS, SQL Server is preferred. Understanding of the Indian general insurance market and regulatory environment is a plus. Key Skills & Competencies Strong analytical and problem-solving ability Detail-oriented with a focus on accuracy and compliance Innovative mindset with a flair for improving technical pricing frameworks Strong verbal and written communication skills Ability to work independently and manage multiple priorities Technical expertise in insurance pricing and data analytics

Job Title: Quality Analyst – US Mortgage Underwriting Process Location: Pune, Hinjewadi Experience: 4 to 8 Years (Minimum 2 years as a QA in US Mortgage domain) Industry: BPO / Financial Services Process: US Mortgage Underwriting Role Overview: We are seeking a detail-oriented and experienced Quality Analyst to oversee and enhance quality in the US mortgage underwriting process. The ideal candidate will have a deep understanding of mortgage lifecycle, credit risk, income assessment, and appraisal analysis, with a strong focus on ensuring accuracy, compliance, and operational excellence through structured audits. Key Responsibilities: Perform quality audits on mortgage underwriting files to ensure adherence to client and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.) Validate credit, income, assets, liabilities, and collateral documentation for completeness and accuracy Track and analyze error trends, identify root causes, and recommend corrective actions Collaborate with underwriters, processors, and leadership teams to ensure high-quality delivery Drive calibration sessions with operations and client-side QA teams Prepare audit reports, dashboards, and performance summaries Support training teams with insights to improve quality and reduce defects Ensure compliance with US mortgage regulations and internal policies Required Skills & Qualifications: Graduate in any discipline (Commerce/Finance preferred) 4 to 8 years of overall BPO experience with at least 2 years as a QA in US Mortgage Underwriting Strong knowledge of underwriting standards (FHA, VA, Fannie Mae, Freddie Mac) Familiarity with mortgage documents – 1003, 1008, credit report, W2s, pay stubs, tax returns, appraisal, title, etc. Proficient in MS Excel, audit tools, and reporting Excellent written and verbal communication skills Strong attention to detail, analytical thinking, and problem-solving ability Exposure to compliance and risk assessment in mortgage domain

Job Description Position Title: Team Lead – Line of Business Department: Global Corporate & Commercial (GC&C) Grade: M6 Location: Vikhroli Head Office, Mumbai CTC: Up to ₹25 LPA Industry Preference: General Insurance only Position Summary This role is responsible for developing and executing the Line of Business (LOB) strategy and achieving business goals for the GC&C segment in India. The position encompasses managing underwriting performance, governance, and profitability of the portfolio while leading a team and building strong market relationships. The ideal candidate will bring a strong background in underwriting and portfolio management, along with the leadership ability to drive results across a dynamic business landscape. Key Responsibilities Strategy Development & Execution Define and implement a structured LOB underwriting strategy aligned with global and regional GC&C guidelines. Ensure underwriting activities are within the defined risk appetite, capital requirements, and operational standards. Drive market-facing underwriting initiatives and monitor performance KPIs. Foster a diversified and sustainable portfolio to achieve long-term profitability. Portfolio Performance & Profitability Manage the full P&L responsibility for the LOB, delivering top-line (GWP) and bottom-line (NTR) results. Shape the local value proposition and ensure profitable business growth. Strengthen client and broker relationships to promote tri-party collaboration. Monitor and refine product and risk mix as per LOB appetite, with corrective actions as needed. Underwriting Excellence Enforce adherence to technical underwriting guidelines, risk appetite, and operational manuals. Ensure utilization of underwriting tools and oversee data accuracy and quality. Monitor premium adequacy, CAT exposure, accumulation control, and reporting. Reduce leakages and enhance portfolio profitability through treaty optimization and re-underwriting actions. Governance & Controls Implement governance frameworks such as UQAs and TUR reviews. Ensure compliance with local and group-level underwriting regulations and policies. Maintain ownership of local underwriting guidelines, manage delegated authorities, and support internal functions like Audit, Finance, and Actuarial. People Leadership & Development Build and lead a high-performing team with a collaborative and performance-driven culture. Mentor, coach, and support team members in skill-building and technical development. Facilitate cross-learning, best practice sharing, and succession planning across the team. Education Qualifications & Experience: Graduate/Postgraduate in a relevant field. Preference for candidates with a degree in Economics, Engineering, Statistics, or Physics. Completion of a professional insurance qualification is required. Experience Proven experience underwriting a profitable LOB portfolio. Experience managing a country-level underwriting portfolio. Exposure to international operations and diverse business environments. Key Skills & Competencies Deep understanding of LOB strategy and portfolio management Strong market knowledge of general insurance and competition Risk assessment, pricing, and product development capabilities Influencing, coaching, and leadership abilities Excellent communication, presentation, and analytical skills Team building, motivation, and collaboration skills Proficiency in English; knowledge of additional languages is a plus Willingness to travel as required

Job Description Position Title: Assistant Vice President – Specialty Underwriting Department: Non-Motor Underwriting Function: Underwriting Location: Head Office – Mumbai Grade: M6 CTC Range: ₹27–29 LPA Position Summary We are seeking an experienced underwriting professional to lead and profitably manage the Specialty Lines portfolio, including products like Surety Bond Insurance, Trade Credit Insurance, and related commercial lines. This role goes beyond core underwriting and involves strategic portfolio management, process optimization, and regulatory compliance. The ideal candidate will have a strong finance background to effectively assess contractor risk and capacity. Key Responsibilities Business Growth: Drive growth in the specialty lines segment by supporting business stakeholders and exploring new opportunities. Profitability Develop and implement underwriting practices that enhance the profitability of the portfolio. Portfolio Management Monitor, analyze, and manage the performance of the specialty lines portfolio across both top-line (premium) and bottom-line (profit) metrics. Regulatory Compliance Ensure adherence to all regulatory, statutory, and board-mandated underwriting guidelines and frameworks. Process Development Improve and streamline underwriting workflows, documentation processes, and operational efficiency. Team Development Mentor and support the professional development of team members through training and knowledge-sharing. Qualifications Education: Post-graduate degree in any discipline. Preferred: Undergraduate degree in Finance or qualification as a Chartered Accountant (CA) or Chartered Financial Analyst (CFA). Fellowship or Associateship from the Insurance Institute of India is mandatory. Experience Minimum 10 years in commercial lines underwriting, with at least 2 years specifically handling Surety Bond Insurance. Behavioral Competencies Execution: Focused, organized, and result-driven. Proactivity: Takes initiative and accountability in addressing client and business needs. Decision Making: Makes data-driven decisions and engages stakeholders effectively. Adaptability: Quick to adjust in dynamic environments. People Empowerment: Acts with empathy and builds trusted relationships. Teamwork: Collaborates effectively and fosters a growth-oriented environment. Openness & Inclusion: Embraces diverse perspectives and continuous improvement. Functional Skills Strong technical expertise in Surety Bond Insurance underwriting Sound understanding of portfolio analysis and risk assessment Excellent communication and interpersonal skills Ability to evaluate the financial strength of contractors and corporate clients

Underwriting of Retail Health, Personal Accident & Travel proposals Team Management IRDAI related UW activities Processing of Non Disclosures/Frauds /Audit /ISO/IRDA data Crucial MIS & analysis for Garo data Back up for handling pre-policy activities Required Candidate profile BAMS, BHMS, BDS or Similar 5+ years of experience in Health Insurance & Underwriting Good knowledge of Risks, Processes & Data Collection & Analysis Must know IRDAI related process Good communication Perks and benefits Good Opportunity

Job Description: About Us At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. One of the keys to driving responsible growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Global Business Services Global Business Services delivers Technology and Operations capabilities to Lines of Business and Staff Support Functions of Bank of America through a centrally managed, globally integrated delivery model and globally resilient operations. Global Business Services is recognized for flawless execution, sound risk management, operational resiliency, operational excellence, and innovation. In India, we are present in five locations and operate as BA Continuum India Private Limited (BACI), a non-banking subsidiary of Bank of America Corporation and the operating company for India operations of Global Business Services. Process Overview* Banking & Lending Product Technology team is responsible for all Consumer and Small business banking and lending products catering to Retail and Preferred customers clients. The products include Credit Cards for Retail as well as Small Business customers, Deposits, Consumer Lending and Client Underwriting (including Vehicle Loans and Home Loans). This team performs application development, testing (functional and automation), design/architecture and business analysis functions to deliver the technology solutions through robust and scalable application platforms developed on various technologies such as SpringBoot, WebMethods, ETL, Java/J2EE, Angular JS, Mainframe, SQL Server, DB2 and Oracle. Shared Integration & Data services team provides Shared real time and batch integration services and shared frameworks and data services for credit card, deposit and Lending applications. Job Description* . Responsible for development, support, maintenance and implementation of a project module either as individual contributor or through a team. Works as a guide and sets directions for medium sized projects, may lead special initiatives. Ensure low downtime for systems and related services. Role is capable of finding out new methods and processes to approach complex situations in the SIPH. Requires expert knowledge of SpringBoot, Webservices and Credit Card domain. Expected to continue to build upon domain knowledge and technical/ proprietary skills to reach levels of expertise, while adapting standard principles. Responsible for design and development of Solutions for ongoing initiatives as a part of Scrum Team, Work closely with Scrum Master and Product Owner to understand the use cases and stories, implement the code, test it and support the implementation to Production. Actively participate in all the scrum routines and discussions. Recommend and participate in the analysis, evaluation and development of enterprise long-term strategic and operating plans to ensure that the Enterprise Architecture objectives are consistent with the enterprise’s long-term business objectives. Designs and develops solution architecture and design for enterprise-wide systems and supports implementation and deployment by working closely with the delivery teams. Responsibilities* Key responsibilities include: Work with the Scrum Master and Product Owner to understand the requirements and stories. Actively participate in all agile routines. Design, Develop, Test, Document the solution and support production implementation. Work with the stake holders in determining and documenting the application Future strategy and Road Map. Work with Architecture team to align the team towards application strategy and roadmap. Participate in Initiative design discussions and help the team in designing a future ready software. Designs and develops solution architecture and design for enterprise-wide systems and supports implementation and deployment by working closely with the delivery teams. Brings a deep understanding of application with focus on challenges and opportunities. Understands complexity of adapting to an enterprise-wide standards and guidelines and suggests solutions. Responsible for components of complex engineering and/or analytical tasks and activities. Ensure all internal processes, procedures, and policies are effectively enforced. Serves as a fully seasoned/proficient technical resource; provides tech knowledge and capabilities as a team member and individual contributor. Will work closely with business partners and technology systems owners to define requirements for POC initiatives, ability to understand and adapt new technologies independently. Exercises judgment within broadly defined practices and policies in selecting methods, techniques, and evaluation criterion for obtaining results. Recommend and participate in the analysis, evaluation and development of enterprise long-term strategic and operating plans to ensure that the Enterprise Architecture objectives are consistent with the enterprise’s long-term business objectives. Requirements Education* Graduation / Post Graduation Experience Range* 8 to 11 Years Foundational skills* Java, Spring Boot, REST Webservices, Design Patterns, Solutions Design Desired skills* Angular, OpenShift, DevOps, GitHub Co-pilot Work Timings*: 11 AM to 8 PM Job Location*: Chennai

Job Description: About Us At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible growth is how we run our company and how we deliver for our clients, teammates, communities, and shareholders every day. One of the keys to driving responsible growth is being a great place to work for our teammates around the world. We’re devoted to being a diverse and inclusive workplace for everyone. We hire individuals with a broad range of backgrounds and experiences and invest heavily in our teammates and their families by offering competitive benefits to support their physical, emotional, and financial well-being. Bank of America believes both in the importance of working together and offering flexibility to our employees. We use a multi-faceted approach for flexibility, depending on the various roles in our organization. Working at Bank of America will give you a great career with opportunities to learn, grow and make an impact, along with the power to make a difference. Join us! Global Business Services Global Business Services delivers Technology and Operations capabilities to Lines of Business and Staff Support Functions of Bank of America through a centrally managed, globally integrated delivery model and globally resilient operations. Global Business Services is recognized for flawless execution, sound risk management, operational resiliency, operational excellence, and innovation. In India, we are present in five locations and operate as BA Continuum India Private Limited (BACI), a non-banking subsidiary of Bank of America Corporation and the operating company for India operations of Global Business Services. Process Overview* Banking & Lending Product Technology team is responsible for all Consumer and Small business banking and lending products catering to Retail and Preferred customers clients. The products include Credit Cards for Retail as well as Small Business customers, Deposits, Consumer Lending and Client Underwriting (including Vehicle Loans and Home Loans). This team performs application development, testing (functional and automation), design/architecture and business analysis functions to deliver the technology solutions through robust and scalable application platforms developed on various technologies such as Spring Boot, WebMethods, ETL, Java/J2EE, Angular JS, Mainframe, SQL Server, DB2 and Oracle. Shared Integration & Data services team provides Shared real time and batch integration services and shared frameworks and data services for credit card, deposit, and Lending applications. Job Description* . Responsible for development, support, maintenance and implementation of a project module either as individual contributor or through a team. Works as a guide and sets directions for medium sized projects, may lead special initiatives. Ensure low downtime for systems and related services. Role is capable of finding out new methods and processes to approach complex situations in the SIPH. Requires expert knowledge of Spring Boot, Webservices and Credit Card domain. Expected to continue to build upon domain knowledge and technical/ proprietary skills to reach levels of expertise, while adapting standard principles. Responsible for design and development of Solutions for ongoing initiatives as a part of Scrum Team, work closely with Scrum Master and Product Owner to understand the use cases and stories, implement the code, test it and support the implementation to Production. Actively participate in all the scrum routines and discussions. Responsibilities* Key responsibilities include: Work with the Scrum Master and Product Owner to understand the requirements and stories. Actively participate in all agile routines. Design, Develop, Test, Document the solution and support production implementation. Work with the stake holders in determining and documenting the application Future strategy and Road Map. Work with Architecture team to align the team towards application strategy and roadmap. Participate in Initiative design discussions and help the team in designing a future ready software. Designs and develops solution architecture and design for enterprise wide systems and supports implementation and deployment by working closely with the delivery teams. Brings a deep understanding of application with focus on challenges and opportunities. Understands complexity of adapting to an enterprise-wide standards and guidelines and suggests solutions. Responsible for components of complex engineering and/or analytical tasks and activities. Ensure all internal processes, procedures, and policies are effectively enforced. Serves as a fully seasoned/proficient technical resource; provides tech knowledge and capabilities as a team member and individual contributor. Will work closely with business partners and technology systems owners to define requirements for POC initiatives, ability to understand and adapt new technologies independently. Exercises judgment within broadly defined practices and policies in selecting methods, techniques, and evaluation criterion for obtaining results. Requirements Education* Graduation / Post Graduation Experience Range* 7 to 9 Years Foundational skills* Java, Spring Boot, REST Web Services, Design Patterns, GitHub Co-pilot Desired skills* Angular, OpenShift, DevOps, GitHub Co-pilot Work Timings*: 11 AM to 8 PM Job Location*: Chennai

Key Responsibilities Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving students' queries. Manage the process from eligibility to the sanctioning of the loan. About Company: WeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

Key Responsibilities Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving students' queries. Manage the process from eligibility to the sanctioning of the loan. About Company: WeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

Key Responsibilities Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving students' queries. Manage the process from eligibility to the sanctioning of the loan. About Company: WeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

Key Responsibilities Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving students' queries. Manage the process from eligibility to the sanctioning of the loan. About Company: WeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

Key Responsibilities Work on being familiar with the underwriting criteria of our partner banks, which include SBI, BOB, ICICI, Axis Bank, HDFC, etc. Screen the education loan applications, advise students on the documentation, and coordinate with bank staff for smooth processing of the education loan. Work on solving students' queries. Manage the process from eligibility to the sanctioning of the loan. About Company: WeMakeScholars is a Hyderabad-based fintech startup specializing in education loans and scholarships. Established seven years ago, we collaborate closely with major banks and NBFCs in India, including SBI, Axis Bank, and ICICI Bank, to simplify the education loan application process for students and parents. While we do not directly provide loans, we ensure a seamless and hassle-free experience. As market leaders in the education finance segment, we currently partner with over 14 financial institutions, a number that continues to grow. Last year, we facilitated the disbursement of approximately 10,000 crore in student loans, and we anticipate even higher volumes this year.

The incumbent will be responsible for Post appraisal review (PAR) / credit hind sighting activity based on sampling of sanctioned cases. The job involves audit (credit due diligence checks) of the sampled files for the assigned product (such as Commercial Vehicle loans and Construction Equipment loans) & share findings with the stakeholders such as Credit Senior Management (Zonal and Nation Credit heads) and Policy team along with steps for necessary corrections. Experience: Preferred Chartered Accountant / Post Graduate in Business Management, minimum relevant experience of 3 to 5 years in underwriting (Commercial Vehicle loans and Construction Equipment loans) / audit/ PAR/ Hindsighting in banks or large NBFC.,

As a Credit Manager at CV & INF under the Retail Banking division, your primary responsibility will be to manage a team and collaborate with the sales team to achieve the assigned area's target. You will directly engage with consumers to assess their creditworthiness, ensure verification completion, and comply with the company's credit policies. It is crucial that you execute these tasks in a manner that supports sales while mitigating risks, aligning with the bank's overall objectives. Your key roles and responsibilities will include underwriting secured and unsecured loan proposals based on established policies and procedures to meet SLAs and manage area business volumes effectively. You will lead a team of credit underwriters, providing necessary guidance, conduct personal discussions with customers to evaluate their creditworthiness, and proactively manage front-end delinquencies by promptly contacting customers upon initial presentation. Additionally, you will oversee the completion of credit/KYC documents through telephonic, field, and collateral visits, collaborate with the sales team to achieve targets, and ensure compliance with credit policies to uphold the set standards. To qualify for this position, you should hold a graduate degree in any discipline (full-time) and have a minimum of 2-5 years of experience in credit management. Join our team at CV & INF as a Credit Manager and play a pivotal role in driving business growth while maintaining credit quality standards.,