Full Position SummaryThe Mortgage underwriting associate evaluate and determine the eligibility of loan applications of residential mortgage (1-4 family) loans. Mortgage underwriting associate role includes but not limited to analyzing and verifying loan applications, review of all 4 C s, evaluating risks, and making loan eligibility decisions. The incumbent ensures the accurate, efficient, and timely flow of information/documentation for offering quality and efficient services. Responsibilities Knowledge of mortgage underwriting and Agency automated underwriting systems Demonstrate a full understanding of agency guidelines as well as posted Lender internal guidelines Review all mortgage applications and documentation for accuracy and completeness Review and be able to complete a full analysis of all types of income (Self/Rental/Wage/etc), Assets, Liabilities, Credit and Collateral. Analyze credit, income, and assets on a loan-by-loan basis to properly assess individual risk, and promptly provide underwriting decisions to Mortgage Originators Review property documentation including title commitments, sales contracts, insurance, and flood determinations Maintain a well-developed knowledge of loan product guidelines and industry regulations, including assisting in the prevention, detection, and resolution of mortgage fraud Review and analyze appraisals for value and compliance with industry requirements Demonstrate the ability to independently make sound decisions based on the creditworthiness of the applicants based on established underwriting guidelines, policies, procedures, knowledge, and experience Provide exceptional customer care (both internal and external) in a manner that satisfies the individual needs of each customer and builds loyalty to the client Maintain confidentiality of all customer and employee information Respond positively to feedback and redirection Fully utilize systems, tools, training, and resources provided to maximize potential Assist other departments as needed Meeting daily production. Meeting the daily SLA requirement Meeting the daily Quality requirements Qualifications EducationBachelors in any stream. Experience2+ years increasingly responsible experience in related areas. Knowledge/Skills/Abilities Experienced mortgage professional with 2-3 years with mortgage underwriting . Has a complete understanding of Conventional, FHA and VA underwriting guidelines. Has working knowledge of real estate lending criteria and federal, state, and agency compliance Can multi-task and manage time efficiently Has strong organizational skills, attention to detail, and basic Microsoft Office skills Good analytical and problem-solving skills. Strong organization and verbal and written communications skills. Highly adaptive and open to changes as the organization grows and its needs evolve.

Core Responsibilities: Expertise in US Administrative Structures: Lead the team in understanding administrative frameworks across counties, cities, municipalities, towns, and townships in the US. Property Tax and Lien Mastery: Oversee the calculation and collection of property taxes, including assessment methods, payment procedures, and lien processes. Lien Management: Ensure proficient handling of property liens, including obtaining lien payoffs, clearing liens, and mitigating their impact on property sales. Government Website Navigation: Guide the team in effectively navigating government portals to retrieve crucial information on permits, code enforcement, utilities, and property taxes. Stay Updated on Regulations: Monitor changes in website layouts and content to maintain accuracy and efficiency in information retrieval. Code Violations & Permits: Manage code violations, understand their effect on property ownership, and implement strategies for resolution. Oversee the distinction between open and expired permits. Utility Management: Oversee the understanding of utility services in US homes and the billing processes for both public and private utility providers. Team Leadership: Provide guidance, mentoring, and management to the team, ensuring effective execution of tasks and continuous professional development. Essential Skills 1. Strong verbal and written communication skills with fluent English and an accent that is easily understood by American clients. 2. Proven ability to communicate effectively with government officials, property owners, and stakeholders to resolve lien-related matters. 3. Proficiency in using online research tools and computer software for data collection and management. 4. Exceptional organizational skills with strong problem-solving abilities. 5. Detail-oriented with the capability to manage multiple tasks and projects concurrently. Desired Skills: Prior experience managing municipal lien projects or working with US property liens and local government entities. Knowledge of permit search, code & real estate transactions, particularly as they relate to liens and tax procedures, is a strong advantage. Education and Experience: Bachelors degree in Public Administration, Real Estate, Finance, or a related field. A minimum of 5 years of overall experience, including at least 1 year leading a municipal lien team of 5 or more members. Shift timings: 9pm to 6am IST

Roles and Responsibility Manage credit operations, including origination, underwriting, and portfolio management. Develop and implement effective credit policies and procedures to minimize risk. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to identify opportunities. Build and maintain relationships with key stakeholders, including customers and partners. Monitor and report on credit performance metrics to senior management. Job Requirements Strong knowledge of credit principles, practices, and regulations. Excellent analytical, problem-solving, and communication skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other financial software applications. Strong leadership and team management skills. Experience in managing credit portfolios and developing credit strategies.

: Job Titl eCredit Officer, AVP LocationMumbai, India Role Description Risk division has a fundamental responsibility to protect the Bank. With group-wide responsibility for the management and control of credit, market, operational and reputational risks, we have a unique vantage point which allows us a holistic view of our businesses and our clients. Nearly 4,000 employees work together in our division to achieve our ambition to be an industry-leading risk management organisation. In an increasingly complex environment, risk management is fast-becoming the most sought after place to build a career within the banking world. Risk at Deutsche Bank is relied upon to help shape the strategy of the organisation and the wider industry agenda. The Global Credit Analytics Function (GCAF) is entrusted with the work of assigning and surveillance of Probability of Default Rating to Corporate and Institutional counterparties of the Bank. As part of Risks transformation journey, GCAF is bringing Credit documentation to its purview and requires strong analysts to handle the same. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Undertake accurate and timely credit analysis of counterparties (including Corporates and FIs) by identifying business and financial risk based on understanding of business model, financial statement analysis, preparing cash flow model/ forecast and peer analysis. Write Rating reports and credit reviews/analysis for recommendation to Senior members for approval. Active participation in Live trades with onshore credit officers (KCP) by understanding the trade dynamics, providing your recommendation and completing the credit write-ups (Addendum) for the same. On-going monitoring & surveillance of assigned international portfolios, including rating changes, market/industry developments, news events, etc and assessing the impact on credit worthiness of the counterparty, keeping DBs exposure in mind. Understand the various banking products (including Trade Finance and Derivatives) and credit documentation for the same. Support the KCP with appropriate checks and its inclusion in the credit reviews. Monitoring of limits/exposureUpdating Limit amendments and credit relevant data updates in the credit system. Exposure monitoring and timely clearance of Excess tickets. Timely monitoring of covenants and regular discussion with KCPs. Manage own credit portfolio and assist senior decision makers to make informed decisions based on your recommendations Interface directly across with the Credit officers (KCP) and other stakeholders (business side, Exposure managements, and various ops teams) to ensure complete understanding of DBs exposure and timely completion of the credit reviews. Participate in ad-hoc projects related to portfolio exercises (industry/regional exercise), regulatory developments, sector notes, audit exercises and support onshore KCPs for various business strategies. Ensure compliance with relevant and applicable local and global regulatory and policy requirements Your skills and experience Relevant professional qualifications are MSc / MA / MBA / CA / CFA, etc. Relevant work experience in credit underwriting Strong analytical skills, knowledge of financial markets and economic/industry trends Strong accounting background, knowledge of financial ratios, financial statement analysis, cash flow projections or project finance How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

: Job TitleTFL Lending Corporate TitleAssistant Vice President LocationBangalore, India Role Description The Assistant Vice President (AVP) for Lending operations will be responsible for operational oversight of Loan servicing transactions and Trading activities. This role requires a deep understanding of Bi-lateral and Syndication Loan life cycle, knowledge of Loan servicing systems, reconciliation and break resolution. What we'll offer you As part of our flexible scheme, here are just some of the benefits that youll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your Key Responsibilities Supervise a process which performsDeal Setup, process Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, collection of interest, Nostro & Past Due Reconciliation Closely monitor the team on a day-to-day basis to ensure all SLAs (Quantity & Quality) are met and any exceptions are immediately escalated for resolution. Supervision & assessing work allocation, identifying areas of capacity during day across all sites. Implement strategy and core objectives for the team in line with the global operations roadmap. Engage and influence stakeholders, internal partners, and peers associated with the Lending Operations functional area Identify and recommend opportunities for process improvement and risk control development within Lending Operations functional area Ensuring all controls and DB requirements are adhered to at all times and any risk items escalated immediately. Comply with audit and compliance regulations and be the focal point for internal and external audits. Be the SME; handle complex Process related queries and clarifications from the Team members. Critical in providing input, development and management of projects in the team on client transitions, system enhancements, end to end process reviews. Manage process escalations from internal/external customers. Maintain high levels of engagement with the Lenders, Middle Office, Finance, Business and Credit Risk Managers. Participate in the formulation and implementation of new and revised systems, policies, and guidelines Collaborate with and influence all levels of professionals, including experienced managers Ensure timely escalation to Senior management, as appropriate. Comply with DB Policies, Guidelines and Controls. Your skills and experience Masters / bachelors degree in finance, Accounting with a minimum of 8-10years relevant experience in New loan setup, loan servicing work experience in a Back office/Financial industry Candidates must have knowledge of Nostro/Cash matching, General Ledger reconciliation, SWIFT and other remittance systems Strong Loan IQ (LS2) skills Strong understanding of deal origination and syndication process Experience with web-based systems (clearpar, debtdomain) Familiarity with loan documentation, credit agreements, admin forms, assignment agreements Strong problem solving and investigative skills to undertake analysis, resolve issues/problems related to the process Strong risk & control mindset Strong people and performance management skills Should be open to work in EMEA/US shifts How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs About us and our teams Please visit our company website for further information: https://www.db.com/company/company.htm We strive for a culture in which we are empowered to excel together every day. This includes acting responsibly, thinking commercially, taking initiative and working collaboratively. Together we share and celebrate the successes of our people. Together we are Deutsche Bank Group. We welcome applications from all people and promote a positive, fair and inclusive work environment.

Product Development Solicits inputs/recommendations from the marketing teams regarding enhancement of existing products or development of new products. Research and build comprehensive analysis and business cases for developing new products with emphasis on market demands, strategic fit and profitability. Collaborates with internal teams such as underwriting, actuarial and legal to evaluate and execute on product initiatives for new and existing products. Drafts Product documents, BAP filing and correspondence to IRDAI queries, makes presentations to IRDAI as and when required Monitor the IRDA website for new circulars or guideline changes and communicate the same to the various business heads and also recommend product modifications if the circular warrants for the same. Analyze multiple data bases, institutional and retail marketplaces to identify market trends. Conducts gap analysis of existing BAGIC product portfolio. Review policy drafts thoroughly before submissions to IRDAI for filing. Compliance and Disclosures Maintain the databases of all products by collecting data from internal teams and submit reports to the IRDAI or internal audit teams as and when required. Monitor the Generic Contingency table and ensure all GCs are correctly mapped to IRDAI approved products. Creating product related disclosures and sending the same to IRDAI through compliance team and to other internal stakeholders. Conducts activities related to internal and external audit compliances. Monitor any product related communication for correctness and adherence to compliance before they are printed for external consumption. Support to Business Channels Monitor any product related communication for correctness and adherence to compliance before they are printed for external consumption. Participates in product discussions with prospective and existing business partners. Suggest Interim solutions wherever feasible for any urgent proposition requirement. Provide data or recommendations as per requests from other channels like Actuary, Operations, Finance etc Team Management Establish individual performance expectations and regularly review performance of the team. Creates opportunities for the team to enhance technical knowledge to ensure capability exists for driving the channel. Periodically check team skill levels by randomly selecting topics from Technical sphere. Balanced Work allocation in the entire team (including) non-reportees Projects Driving various team projects as delegated by HOD Proactive modifications analysis based on regular changes in IRDAI regulations Record Keeping & Audit Maintenance of Historic records and Compliance with Satuatory and IRDAI audits

Partner Digital Eco-System Integration & Management Understand partners digital eco-system & existing customer value lifecycle to identify business opportunities for sale of general insurance line of product. Create business requirement document based on the partners requirement for new product deployment on partners portal. Collaborate internally with various teams ( Operations team, IT team , Underwriting tam , legal & compliance team & product team ) to convert the business requirement for new product into deployment on partners digital eco-system ( website , mobile application ). Participate with partner on periodical basis discuss on IT concerns , policy issuance issues , changes in current line of product & capture the requirement for resolution by internal concerned team & provide status update to partner on development. Participate with partner to appraise on regulatory changes in existing product & ensure same is getting capture on partner digital eco-system by testing & sig-off from internal teams ( IT / Underwriting / Operations). Address the production system issues by doing root cause analysis & provide solution by identifying the right source for issue ( either at partners system or BAGIC systems ) & ensure the live systems are seamless for future policy issuance. Partner Relationship Management Conduct periodical meetings with partner to appraise on business target achievement & gap; understand the root cause of system / operational issues & ensure resolution by developing / providing solutions to assist partner in achieving targets. Capture business report / MIS requirement (float statements, claims register, premium reports, business gap report) from partner & co-ordinate with IT team to automate the requirement & flow to concerned partner teams. Participate with partner to understand training need of partner associates regards to various products & co-ordinate internally with training team to plan training roadmap for the training program. Provide resolution, by coordinating with internal teams ( underwriting / operations ) , for business not getting through on digital platform due to non adherence to auto underwriting norms & ensure policy issuance TAT is met. Revisit existing processes & identify opportunities to improve current SLA s / TAT s to better service standards. Customer Relationship Management Co-ordinate with internal operations team for the resolution of endorsement requests raised by customer with partner customer service team. Receive customer grievances / post policy issuance issues / claims issues from partner customer service team & co-ordinate with internal concerned teams ( claims / customer service / underwriting / operations / IT ) for resolution to customer & partner within TAT.

1. Risk Management Assess risk parameters associated with various health products as per defined underwriting guidelines to ensure coverage of future liabilities and minimization of loss ratios for BAGIC s retail health and PA business Provide underwriting inputs for the allocated cases in the scrutiny policy processing module Support the team in tackling rejection cases in terms of drafting responses and following up on the closure process Review and identify any gaps/areas of improvement in undertaking decisions and accordingly coach the external partners Prepare and analyze loss ratio data to identify trends and suggest process improvements, new initiatives, loss control measures in retail health & PA portfolio 2. Query handling via Tele Underwriting Address and resolve pan-India retail health and personal accident (PA) underwriting related queries coming from IMDs, agents for the retail health products within the set turnaround time (TAT) via the telephonic medium Effectively utilize the telephonic and Whatsapp mediums to provide prompt advisory support to all external partners by coordinating with internal teams. Assess the underwriting guidelines and case details thoroughly before approving any risk undertaking so as to minimize losses. Own the official email id for health underwriting queries; monitor, address and revert to all medical queries on the platform Evaluate and ensure timely action for all non-disclosure claims cases 3. System Development Advise on system changes required to bridge the gap between policy issuance and claims redressal processes Provide inputs for technology upgrade of the underwriting system in terms of building the system logic and risk control measures Document relevant data and inputs in the desired templates for technology implementations. 4. Training Conduct trainings for the internal teams/IMDs on underwriting guidelines, processes on a periodic basis for the allocated zone Maintain and share periodic reports on trainings and their outcomes to the reporting authority. Prioritization of requests and tactical handling of queries to avoid escalations Coordinate with various internal teams and quickly retrieve data from the internal systems and platforms to provide a speedy response to queries

Embark your transformative journey as a Unsecured Capital Model Risk-Vice President. At Barclays we are committed to pushing boundaries where you'll spearhead the evolution of our Model Risk landscape, driving innovation and excellence. You will be working with experts like Model developers and Tech consultants, connect the dots with Regulatory requirements, Portfolio strategy; brainstorm within team and then taking a sustainable decision that can withstand the challenges from IVU, Audit & Regulators. You will be understanding the customer credit behavioural trends, optimise portfolio risk and return, analytically design credit policies and underwriting strategies, and set credit parameters for all programmes that impact customers to ensure loss rates remain within risk appetite whilst the expected reward is achieved which cuts across the several different products within the UK market including Credit Card, Loan, Partner Finance, and personal Current Account & Overdraft businesses. To be successful as a Unsecured Capital Model Risk-Vice President, you should have experience with: Excellent communication skills who appreciate the importance of narratives, ability to challenge and speak-up to drive the right outcomes for the business and our customers. Sound people management skills . Ability to work independently, advise stakeholders, and thrive in a dynamic and fast paced environment. Expert with Advanced Statistical model development or validation . Proficient with Regulation (Basel, IFRS9) and interpretation. Proficient with SAS/ Python, Ms-office tools. Ability to provide oversight to strategic initiatives to large scale changes in the data or platform. Some other highly valued skills may include: Strong academic background in a numerical discipline eg mathematics, statistics, informatics, economics, physics etc Excellent quantitative skills with exceptional analytical skills and logical thinking. Understanding of Basel 3.1, IFRS9 and BCBS regulation and how they interact. Experience designing Regulatory Capital models - PD, EAD, LGD for retail portfolios. Advanced understanding of automation tools like Tableau, GenAI integration into productivity improvement . You may be assessed on the key critical skills relevant for success in role, such as risk and controls, change and transformation, business acumen strategic thinking and digital and technology, as we'll as job-specific technical skills. This role will be based out of Noida. Purpose of the role To manage and optimise the banks overall credit risk exposure by monitoring, analysing, and reporting on the creditworthiness of its lending portfolio. Accountabilities Monitoring the financial performance and risk profile of the entire lending portfolio, including individual borrowers, sectors, and geographic regions. Analysis of credit trends, identify early warning signs of potential borrowers issues, and assess the impact of economic and market developments on the portfolio. Development and utilisation of quantitative models and risk forecasting tools to measure and predict potential credit losses. Performance of portfolio stress testing exercises to assess the impact of various economic and market scenarios on the portfolios risk profile. Definition and setting of portfolio, segment and customer risk appetite, policy and limits. Overseeing first line execution within these parameters. Vice President Expectations To contribute or set strategy, drive requirements and make recommendations for change. Plan resources, budgets, and policies; manage and maintain policies/ processes; deliver continuous improvements and escalate breaches of policies/procedures.. If managing a team, they define jobs and responsibilities, planning for the department s future needs and operations, counselling employees on performance and contributing to employee pay decisions/changes. They may also lead a number of specialists to influence the operations of a department, in alignment with strategic as we'll as tactical priorities, while balancing short and long term goals and ensuring that budgets and schedules meet corporate requirements.. If the position has leadership responsibilities, People Leaders are expected to demonstrate a clear set of leadership behaviours to create an environment for colleagues to thrive and deliver to a consistently excellent standard. The four LEAD behaviours are: L - Listen and be authentic, E - Energise and inspire, A - Align across the enterprise, D - Develop others.. OR for an individual contributor, they will be a subject matter expert within own discipline and will guide technical direction. They will lead collaborative, multi-year assignments and guide team members through structured assignments, identify the need for the inclusion of other areas of specialisation to complete assignments. They will train, guide and coach less experienced specialists and provide information affecting long term profits, organisational risks and strategic decisions.. Advise key stakeholders, including functional leadership teams and senior management on functional and cross functional areas of impact and alignment. Manage and mitigate risks through assessment, in support of the control and governance agenda. Demonstrate leadership and accountability for managing risk and strengthening controls in relation to the work your team does. Demonstrate comprehensive understanding of the organisation functions to contribute to achieving the goals of the business. Collaborate with other areas of work, for business aligned support areas to keep up to speed with business activity and the business strategies. Create solutions based on sophisticated analytical thought comparing and selecting complex alternatives. In-depth analysis with interpretative thinking will be required to define problems and develop innovative solutions. Adopt and include the outcomes of extensive research in problem solving processes. Seek out, build and maintain trusting relationships and partnerships with internal and external stakeholders in order to accomplish key business objectives, using influencing and negotiating skills to achieve outcomes.

Job Information Job Opening ID ZR_1776_JOB Date Opened 24/03/2023 Industry Technology Job Type Work Experience 3-5 years Job Title Credit Manager City Bangalore Province Karnataka Country India Postal Code 560102 Number of Positions 1 Prepare credit appraisal memorandum for approval Portfolio quality management to ensure lower delinquency ratio Maintain productivity and TAT as per prescribed norms Personal Loan/Home loan/LAP/term loan relevant CPA experience 3-4 Years Knowledge about CIBIL check(event) ; career-website-detail-template-2 => apply(record.id,meta)" mousedown="lyte-button => check(event)" final-style="background-color:#2B39C2;border-color:#2B39C2;color:white;" final-class="lyte-button lyteBackgroundColorBtn lyteSuccess" lyte-rendered=""> I'm interested

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 2 to 7 years of experience in the BFSI industry. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience with credit management systems and technologies.

The Infrastructure Finance (IF) and Clean Energy Finance (CEF) Underwriter will cover large and complex products globally and will manage the credit review process. The team’s mandate is to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to Risk and Banking shared commitment to ensuring the safety and soundness of wholesale lending across ICM. The Analyst position is responsible for a portfolio of IF and CEF Relationships, owning the Credit Risk Analysis for those relationships, and being responsible for the continuous monitoring of that portfolio. That includes the production of Annual Reviews, Quarterly Reviews, and the support to Ad-Hoc Transactions and Portfolio & Industry Reviews and Stress Testing. The Analyst is expected to have a deep understanding of credit risk, of Citi´s internal policies and procedures, and of being knowledgeable about the industry fundamentals the portfolio belongs to. They should need minimal supervision from their respective Team Leads and be able to carry thoughtful conversations with Risk and Banking partners. Key Responsibilities:  Assess the credit and financial strength of Citi’s IF and CEF clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors. These include performing detailed financial analysis, identifying the strengths and prevailing risk factors and rendering a final credit recommendation  Complete Credit Analysis Write-up Memos and Final Obligor Risk Ratings of Citi’s counterparties based on independent assessment and judgement completed on the due diligence of the client and industry knowledge to provide appropriate extensions of credit remaining within Risk appetite  Continuous monitoring of the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to Team Leads, Risk and Banking partners  Running financial modeling of the IF and CEF clients to provide a view of projected cash flow profile, including running various stress sensitivities, and Enterprise Valuation  Reviewing and providing recommendation on the risk rating across this sector  Maintain compliance with bank credit policies/practices and regulatory policies to ensure business unit is in adherence and receives satisfactory ratings from internal and external auditors. Qualifications: Risk & Credit Underwriting:  Well developed analytical skills, including an understanding of key financial statements and accounting with the ability to identify root causes and trends and anticipate issues  Forms independent opinions on credit and recognizes emerging risks  Demonstrates advanced knowledge of financial statements and GAAP accounting or similar governance relating to country of operation  Solid understanding of Credit Policy and procedures; Proactively reviews Citi policies and procedures to benchmark against transactions and work submitted  Demonstrates and executes the ability to identify potential risk issues that need escalation and escalates them promptly Leadership:  Displays a deep commitment and positive attitude to Citi and colleagues, is reliable, and eager to do more  Embraces the need for change and appreciates its benefits with natural curiosity  Demonstrates professionalism by being reliable, actively contributing in meetings, asking questions and challenging ideas Competencies:  Highly e􀆯ective interpersonal skills, with the ability to build relationships  Solid organizational skills with ability and willingness to work under pressure and manages time and priorities e􀆯ectively  Exceptional written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority  Advanced Microsoft O􀆯ice (Word, Excel, and PowerPoint) skills  Advanced experience with Financial Modeling Education: MBA Finance, CFA or CA ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. Show more Show less

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank Ltd. Roles and Responsibility Manage credit portfolios and make informed decisions on loan approvals. Conduct thorough credit assessments and risk analyses. Develop and implement effective credit policies and procedures. Collaborate with cross-functional teams to achieve business objectives. Monitor and report on credit performance metrics. Identify opportunities to improve credit processes and operations. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment. Effective communication and interpersonal skills. Proficiency in financial modeling and data analysis tools. Experience with credit management systems and technologies.

Good-day, We have immediate opportunity for Mobile Architect & Developer . Job Role: Mobile Architect & Developer . Job Location: Pune Experience- 7 to 15 years Notice Perod : upto 15 Days . Note: Work from office - 5 days About Company: At Synechron, we believe in the power of digital to transform businesses for the better. Our global consulting firm combines creativity and innovative technology to deliver industry-leading digital solutions. Synechron’s progressive technologies and optimization strategies span end-to-end Artificial Intelligence, Consulting, Digital, Cloud & DevOps, Data, and Software Engineering, servicing an array of noteworthy financial services and technology firms. Through research and development initiatives in our FinLabs we develop solutions for modernization, from Artificial Intelligence and Blockchain to Data Science models, Digital Underwriting, mobile-first applications and more. Over the last 20+ years, our company has been honoured with multiple employer awards, recognizing our commitment to our talented teams. With top clients to boast about, Synechron has a global workforce of 13,950+, and has 52 offices in 20 countries within key global markets. For more information on the company, please visit our website or LinkedIn community. Diversity, Equity, and Inclusion Diversity & Inclusion are fundamental to our culture, and Synechron is proud to be an equal opportunity workplace and an affirmative-action employer. Our Diversity, Equity, and Inclusion (DEI) initiative ‘Same Difference’ is committed to fostering an inclusive culture – promoting equality, diversity and an environment that is respectful to all. We strongly believe that a diverse workforce helps build stronger, successful businesses as a global company. We encourage applicants from across diverse backgrounds, race, ethnicities, religion, age, marital status, gender, sexual orientations, or disabilities to apply. We empower our global workforce by offering flexible workplace arrangements, mentoring, internal mobility, learning and development programs, and more. All employment decisions at Synechron are based on business needs, job requirements and individual qualifications, without regard to the applicant’s gender, gender identity, sexual orientation, race, ethnicity, disabled or veteran status, or any other characteristic protected by law. Architecture & Design Architect and develop scalable mobile applications for iOS ( Swift/SwiftUi ) and Android (Kotlin , Jetpack ) . Design modular, reusable components and adhere to best practices in Mobile UI/UX design. Ensure seamless integration with backend services via GraphQL, REST APIs , and WebSockets. Collaborate with Cloud & DevOps teams for optimized deployment and scalability. Mobile App Development Build highly performant and responsive mobile applications with Swift/Kotlin. Implement state management solutions like Context API. Develop reusable UI components following design system principles and material guidelines. Ensure mobile-first development with adaptive layouts across various screen sizes. Performance & Optimization Optimize mobile applications for smooth animations, efficient rendering, and minimal resource consumption. Implement techniques such as lazy loading, prefetching, and caching to boost app performance. Conduct regular performance profiling using tools like Xcode Instruments, Android Profiler, and Firebase Performance Monitoring. Security & Compliance Implement secure authentication mechanisms (OAuth, JWT, biometric authentication). Ensure compliance with GDPR, OWASP Mobile Security standards, and platform-specific security best practices. Protect user data with encryption techniques and secure API communication methods. Testing & Quality Assurance Write and maintain unit tests, integration tests, and UI tests using Jest, Detox, XCTest, Espresso, or Appium. Conduct rigorous manual and automated testing to ensure bug-free releases. Perform code reviews to maintain clean coding standards and best practices. DevOps & CI/CD Work with Azure, Git, GitHub/GitLab, and set up CI/CD pipelines using GitHub Actions, CircleCI, or Firebase App Distribution. Automate app building and deployment processes with Fastlane, Gradle, and Xcode Build Tools. Ensure smooth OTA (Over-the-Air) updates with App Stores and Play Store rollout strategies. Collaboration & Continuous Improvement Work closely with designers, backend developers, and QA teams to ensure seamless mobile app development. Participate in sprint planning, standups, retrospectives, and contribute actively to technical discussions. Stay updated with the latest mobile technology trends, frameworks, and performance optimization strategies. Required Skills Strong expertise in SwiftUI, Kotlin, or other mobile development frameworks. Hands-on experience with mobile app architecture, scalability, and modularization. Deep understanding of platform-specific guidelines (Apple HIG, Android Material Design). Familiarity with GraphQL, REST APIs, and third-party SDK integrations. Proficiency in Firebase, Push Notifications, Deep Linking, and mobile analytics. Strong knowledge of responsive UI, accessibility standards, and mobile security. Solid understanding of Git workflows, semantic versioning, and CI/CD automation. Nice to Have Experience in AI-powered mobile features, AR/VR applications, or mobile ML implementations. Familiarity with Jetpack Compose (Android) or SwiftUI (iOS). Prior contributions to npm-based mobile libraries or open-source projects. If you find this opportunity interesting kindly share your updated profile on amol.upade@synechron.com With below details (Mandatory) Total Experience Experience in Android - Experience in IOS- Current CTC- Expected CTC- Notice period- Current Location- If you had gone through any interviews in Synechron before? If Yes when Kind regards, Amol Upade Recruitment Consultant - Synechron Technology Cell What’s App 9322922764 Show more Show less

Role Outline : Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses Support tactical and strategic Risk Analytics projects for Citi’s Branded Cards Proprietary Cards Risk Management group in the US. Develop and manage implementation of effective risk management strategies that help mitigate credit losses, including designing, executing, interpreting credit tests on statistically sampled customer populations. Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes Must be able to effectively provide updates and communicate key initiatives to senior risk management. Analyzing tests and performance using SAS and decision tree software (CHAID/ CART) Evaluating effectiveness of current policies and strategies Responsibilities: Must have capability to clearly develop and communicate analysis A good understanding of Credit life cycle, from Acquisitions through early Collections Must have hands on expertise in developing and managing segmentation strategies Presentations to both technical and non-technical personnel are required to be made frequently as part of the job. Understanding and communicating examples of credit strategy customer impact through example review of Credit Bureau data. Ability to work efficiently in a matrixed environment balancing between both business and functional interactions and priorities, maximizing efficiencies of time-zones to create a continuously operating Credit Policy team. Qualifications: Undergraduate degree with a specialization in Statistics, Mathematics, or other quantitative discipline 5+ years’ work experience required Skills: Experienced in developing, implementing and monitoring credit strategies or scoring models across underwriting, existing customer management (examples: Balance Transfer, Credit Line Increase/Decrease, Re-Issue, Transactions Authorization) Good programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in PC, UNIX environments. Highly proficient in Excel/pivot tables and PowerPoint. VBA a plus. Exposure to project/process management Strong communication and presentation skills targeting a variety of audiences A qualified candidate needs to be able to work with cross functional teams Flexibility in approach and thought process Ability to work effectively across portfolio risk policy teams and functional areas teams Strong influencing and facilitation skills. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. Show more Show less

About PhonePe Group: PhonePe is India’s leading digital payments company with 50 crore (500 Million) registered users and 3.7 crore (37 Million) merchants covering over 99% of the postal codes across India. On the back of its leadership in digital payments, PhonePe has expanded into financial services (Insurance, Mutual Funds, Stock Broking, and Lending) as well as adjacent tech-enabled businesses such as Pincode for hyperlocal shopping and Indus App Store which is India's first localized App Store. The PhonePe Group is a portfolio of businesses aligned with the company's vision to offer every Indian an equal opportunity to accelerate their progress by unlocking the flow of money and access to services. Culture At PhonePe, we take extra care to make sure you give your best at work, Everyday! And creating the right environment for you is just one of the things we do. We empower people and trust them to do the right thing. Here, you own your work from start to finish, right from day one. Being enthusiastic about tech is a big part of being at PhonePe. If you like building technology that impacts millions, ideating with some of the best minds in the country and executing on your dreams with purpose and speed, join us! About The Role We're looking for an experienced and dynamic professional to join our Insurance Business Operations team as Manager – Business Operations, Motor & OGI . This role is ideal for someone with strong operational expertise, a tech-first mindset, and the ability to lead large teams. You’ll work closely with internal stakeholders and external partners to streamline processes, drive automation, and ensure seamless issuance of insurance products with high service standards. Key Responsibilities Partner Management & Collaboration Act as the key interface with external insurance partners for Motor and Other General Insurance (OGI) products. Lead negotiations to improve underwriting guidelines and ensure inclusive offerings for all customer segments. Regularly visit partner locations to strengthen relationships and streamline partner-led processes. Business Operations & Process Excellence Manage day-to-day operations and drive initiatives to reduce friction in issuance, claims, and servicing workflows. Ensure regulatory compliance, partner SLAs, and internal process adherence. Drive structural improvements to enhance customer journeys across touchpoints. Automation & Tech Enablement Collaborate with product and tech teams to drive API-led integrations and automation across issuance and servicing. Champion the adoption of tools and MIS systems to improve visibility, accuracy, and turnaround times. Team Leadership Lead a team of :15 members, setting clear objectives and driving high performance. Foster a service-oriented culture, enabling the team to manage high-impact, high-volume ops environments. Data-Driven Decision Making Analyze operational data to identify process bottlenecks and propose solutions. Monitor key metrics to evaluate performance and identify improvement areas. What We’re Looking For Experience: 5–8 years in insurance operations, business operations, or relevant functions in insurance, e-commerce, or fintech. Technical Fluency: Understanding of API-driven processes, automation tools, and system-level thinking. People Leadership: Proven ability to manage teams, drive performance, and lead change. Stakeholder Management: Strong communication and negotiation skills to manage both internal and external partners. Mindset: Customer-first attitude, strong ownership, and a problem-solving approach. Location: Must be based out of or open to relocating to Pune. Willingness to travel to partner locations regularly. Good to Have Experience in managing Motor/OGI verticals. Exposure to tech-driven process transformations. Prior experience in scaling service operations. PhonePe Full Time Employee Benefits (Not applicable for Intern or Contract Roles) Insurance Benefits - Medical Insurance, Critical Illness Insurance, Accidental Insurance, Life Insurance Wellness Program - Employee Assistance Program, Onsite Medical Center, Emergency Support System Parental Support - Maternity Benefit, Paternity Benefit Program, Adoption Assistance Program, Day-care Support Program Mobility Benefits - Relocation benefits, Transfer Support Policy, Travel Policy Retirement Benefits - Employee PF Contribution, Flexible PF Contribution, Gratuity, NPS, Leave Encashment Other Benefits - Higher Education Assistance, Car Lease, Salary Advance Policy Working at PhonePe is a rewarding experience! Great people, a work environment that thrives on creativity, the opportunity to take on roles beyond a defined job description are just some of the reasons you should work with us. Read more about PhonePe on our blog. Life at PhonePe PhonePe in the news Show more Show less

Smooth Processing of Claim Reserve Setting Line of Action to be taken from Approval Team Tracking of each Matter from Claims Dairy Scrutiny of Investigation Reports Settlement of Clear matters Co-ordinate with Advocates for processing of MACP Claims Co-ordination with other department of mandatory requirements - ILM, Operation, Underwriting etc. Adducing Oral Evidence in technical matters Vetting of Written Statement, Written notes of Argument, Misc Application etc.

Risk Assessment and UW Implementation and monitoring of various underwriting guidelines related to Commercial products. Main accountability includes Risk analysis, Risk acceptance, Risk selection, Policy coverage (Policy wording, Add-on covers, Exclusions / Inclusions etc. ), Renewal business, etc. within the purview of set Underwriting Guideline to achieve the desired business outcomes Maintain TAT and compliance as per UW authority matrix. Reviewing proposals and providing Inputs in terms of local market dynamics, nature of business, quality of risk and recommendations thereof. Strong market intelligence i. e. a broader view of the market we operate in /competitors details for formulating internal strategies. Work in close coordination with the sales team on the available profitable business opportunities falling with the underwriting guidelines of the company. Review the risk based on the market intelligence and based on the third-party risk inspection reports Relationship management Interacting with internal stakeholders (Operations, Marketing, Finance, Claims etc. ) to meet the smooth proceedings of the business requirements at various stages Develop the key relationship with major clients and Intermediaries along with marketing team to develop long term sustainable business growth Analytics & MIS Reporting Analyzing the risk and identifying business that can be picked up in declined risk category and seek necessary approvals from seniors/HO for the same Mandatory Skills: 1. Risk Assessment and UW Implementation and monitoring of various underwriting guidelines related to Commercial products. Main accountability includes Risk analysis, Risk acceptance, Risk selection, Policy coverage (Policy wording, Add-on covers, Exclusions / Inclusions etc. ), Renewal business, etc. within the purview of set Underwriting Guideline to achieve the desired business outcomes Maintain TAT and compliance as per UW authority matrix. Desirable Skills: 1. Good communication skills. 2. Flexible & adaptable to change. 3. Well versed with MS Office. 4. Should have good analytical and problem-solving skills. 5. Should be aware of the Local language. Education/Qualification: Graduate or Post Graduate Qualifications in Insurance will be an added advantage (eg: Fellowship/ Associate/Licentiate of I. I. I. )

The Underwriter - C14 is a strategic professional who closely follows latest trends in own field and adapts them for application within own job and the business. Typically, a small number of people within the business that provide the same level of expertise. Excellent communication skills required in order to negotiate internally, often at a senior level. Developed communication and diplomacy skills are required in order to guide, influence and convince others, in particular colleagues in other areas and occasional external customers. Accountable for significant direct business results or authoritative advice regarding the operations of the business. Necessitates a degree of responsibility over technical strategy. Primarily affects a sub-function. Responsible for handling staff management issues, including resource management and allocation of work within the team/project. Responsibilities: Assist bankers and Underwriters in underwriting requests for credit extensions for new and existing clients, and in the writing of annual reviews with focus on more complex and higher dollar exposure transactions. Perform detailed financial analysis on companies, including trend and ratio analysis, and interpret the financial information Perform collateral analysis on accounts receivable, inventory, machinery and equipment and real estate in order to evaluate collateral performance and changes in trends, as well as to assess repayment capacity based secondary sources of repayment. Prepare monthly and/or quarterly reviews of existing borrowers in order to track compliance with various loan covenants as outlined in the loan Agreement. Build a solid understanding of Citibank products and services within Commercial Banking and the broader organization. Coordinate with bankers on customer calls and site visits, when appropriate. Perform industry and geographical research and other due diligence as needed. Be familiar with Citibank credit policies and practices and regulatory policies, to assist unit in achieving compliance with the above and satisfactory ratings from internal and external auditors. Provides training for less experienced credit officers and other credit center staff in application processing, credit analysis and loan closing roles. Provide backup to the team manager in workflow distribution and monitoring as needed. Recommend changes to process to achieve greater efficiency. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: 10+ years of experience Bachelor's degree in finance or accounting (preferred) - previous experience working in a financial institution with additional experience in a loan officer or underwriting role. (credit trained a plus) Advanced analytical skills including the ability to read and assess company financial statements, cash flow, industry and competitive analysis and projections Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process Excellent organizational skills, attention to detail, and the ability to complete assignments in a timely manner Effective written and verbal communication skills Problem recognition and resolution skills Ability to work autonomously and within a team Proficient in various spreadsheet and word processing applications (Excel and Word are preferred), including the use of graphs and charts, and Moody's financial analysis software Education: Bachelor’s/University degree, Master’s degree preferred This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. Show more Show less

Job Description Title/Skill: Senior Management - Risk Management Organization: Siemens Financial Services Pvt Ltd What are my responsibilities? To perform high quality and timely credit underwriting of new business transactions of Small, Mid and Large Corporates within delegated authority levels, understanding levels of risk and appropriate returns. Preparation of credit reports as per specified formats and ensure compliance with risk policies and processes while working with sales team and provide timely support in closure of transactions. Presentation of proposals to the approval authorities Portfolio monitoring. Portfolio reviews and record keeping for audit and regulatory requirements. To liaise through structured meetings, with Sales and other members of the Risk Management team to ensure continuous improvement of business process. To participate in customer meetings when needed to fully understand the risks and opportunities involved in a transaction. Manage entire portfolio of SFPL and guide and train the team. What else do I need to know? Knowledge And Experience About 10 years of experience in risk or credit in a bank or a reputed NBFC in underwriting Knowledge of Equipment Finance is preferred. Experience in commercial finance is mandatory. Ability to take credit decisions. Quick learning ability. Experience in LOS / LMS in a Bank or NBFC. CA or MBA from an institution of repute. We are looking forward to receiving your online application. Please ensure you complete all areas of the application form to the best of your ability as we will use the data to review your suitability for the role. Show more Show less

Quality Engineer Bangalore/ Gurgaon, India AXA XL offers risk transfer and risk management solutions to clients globally. We offer worldwide capacity, flexible underwriting solutions, a wide variety of client-focused loss prevention services and a team-based account management approach. AXA XL recognizes data and information as critical business assets, both in terms of managing risk and enabling new business opportunities. This data should not only be high quality, but also actionable - enabling AXA XL’s executive leadership team to maximize benefits and facilitate sustained advantage. Our Chief Data Office is focused on driving innovation through optimizing how we leverage data to drive strategy and create a new business model - disrupting the insurance market. As we develop an enterprise-wide data and digital strategy that moves us toward greater focus on the use of data and data-driven insights, we are seeking an Engineer for the Quality Engineering team. The Engineer sits next to our Business Partners and tests our AXIOM platform according to our stakeholders needs. What You’ll Be DOING What will your essential responsibilities include? Possess excellent domain knowledge of Data warehousing technologies, SQL, Data Models to develop test strategies, approaches from Quality Engineering perspective. In close coordination with Project teams help lead all efforts from Quality Engineering perspective. Work with data engineers or data scientists to collect and prepare the necessary test data sets. Ensure the data adequately represents real-world scenarios and covers a diverse range of inputs. Excellent domain knowledge of Data warehousing technologies, SQL, Data Models to build out test strategies and lead projects from Quality Engineering perspective. With an Automation-first mindset, work towards testing of user interfaces such as Business Intelligence solutions and validation of functionalities while constantly looking out for efficiency gains and process improvements. Triage and Prioritization of stories and epics with all stakeholders to ensure optimal deliveries. Engage with various stakeholders like Business Partners, Product Owners, Development and Infrastructure teams to ensure alignments with overall roadmap. Track current progress of testing activities, finding and tracking test metrics, estimating and communicating improvement actions based on the test metrics results and the experience. Automation for processes such as Data Loads, user interfaces such as Business Intelligence solutions and other validations of business KPIs. Adopt and implement best practices towards Documentation of test plan, cases, results in JIRA. Triage and Prioritization of defects with all stakeholders. Leadership accountability for ensuring that every release to customers is fit for purpose, performant. Knowledge on Scaled Agile, Scrum or Kanban methodology. You will report to Lead UAT. What You Will BRING We’re looking for someone who has these abilities and skills: Required Skills And Abilities A minimum of a bachelor’s or master's degree (preferred) in a relevant discipline. Relevant years of excellent testing background, including knowledge/experience in automation. Insurance experience in data, underwriting, claims or operations, including influencing, collaborating, and leading efforts in complex, disparate, and interrelated teams. Excellent Experience with SQL Server, Azure Databricks Notebook, PowerBI, ADLS, CosmosDB, SQL DW Analytics. Should have a robust background in Software development with experience in ingesting, transforming, and storing data from large datasets using Pyspark in Azure Databricks with robust knowledge of distributed computing concepts. Hands-on experience in designing and developing ETL Pipelines in Pyspark in Azure Databricks with robust python scripting. Desired Skills And Abilities Having experience doing UAT/System Integration testing in the insurance industry. Excellent technical testing experience such as API testing, UI automation is a plus. Knowledge/Experience of Testing in cloud-based systems in different data staging layers. Who WE are AXA XL, the P&C and specialty risk division of AXA, is known for solving complex risks. For mid-sized companies, multinationals and even some inspirational individuals we don’t just provide re/insurance, we reinvent it. How? By combining a comprehensive and efficient capital platform, data-driven insights, leading technology, and the best talent in an agile and inclusive workspace, empowered to deliver top client service across all our lines of business − property, casualty, professional, financial lines and specialty. With an innovative and flexible approach to risk solutions, we partner with those who move the world forward. Learn more at axaxl.com What we OFFER Inclusion AXA XL is committed to equal employment opportunity and will consider applicants regardless of gender, sexual orientation, age, ethnicity and origins, marital status, religion, disability, or any other protected characteristic. At AXA XL, we know that an inclusive culture and enables business growth and is critical to our success. That’s why we have made a strategic commitment to attract, develop, advance and retain the most inclusive workforce possible, and create a culture where everyone can bring their full selves to work and reach their highest potential. It’s about helping one another — and our business — to move forward and succeed. Five Business Resource Groups focused on gender, LGBTQ+, ethnicity and origins, disability and inclusion with 20 Chapters around the globe. Robust support for Flexible Working Arrangements Enhanced family-friendly leave benefits Named to the Diversity Best Practices Index Signatory to the UK Women in Finance Charter Learn more at axaxl.com/about-us/inclusion-and-diversity. AXA XL is an Equal Opportunity Employer. Total Rewards AXA XL’s Reward program is designed to take care of what matters most to you, covering the full picture of your health, wellbeing, lifestyle and financial security. It provides competitive compensation and personalized, inclusive benefits that evolve as you do. We’re committed to rewarding your contribution for the long term, so you can be your best self today and look forward to the future with confidence. Sustainability At AXA XL, Sustainability is integral to our business strategy. In an ever-changing world, AXA XL protects what matters most for our clients and communities. We know that sustainability is at the root of a more resilient future. Our 2023-26 Sustainability strategy, called “Roots of resilience”, focuses on protecting natural ecosystems, addressing climate change, and embedding sustainable practices across our operations. Our Pillars Valuing nature: How we impact nature affects how nature impacts us. Resilient ecosystems - the foundation of a sustainable planet and society - are essential to our future. We’re committed to protecting and restoring nature - from mangrove forests to the bees in our backyard - by increasing biodiversity awareness and inspiring clients and colleagues to put nature at the heart of their plans. Addressing climate change: The effects of a changing climate are far-reaching and significant. Unpredictable weather, increasing temperatures, and rising sea levels cause both social inequalities and environmental disruption. We're building a net zero strategy, developing insurance products and services, and mobilizing to advance thought leadership and investment in societal-led solutions. Integrating ESG: All companies have a role to play in building a more resilient future. Incorporating ESG considerations into our internal processes and practices builds resilience from the roots of our business. We’re training our colleagues, engaging our external partners, and evolving our sustainability governance and reporting. AXA Hearts in Action: We have established volunteering and charitable giving programs to help colleagues support causes that matter most to them, known as AXA XL’s “Hearts in Action” programs. These include our Matching Gifts program, Volunteering Leave, and our annual volunteering day - the Global Day of Giving. For more information, please see axaxl.com/sustainability. Show more Show less

A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Use feedback and reflection to develop self awareness, personal strengths and address development areas. Delegate to others to provide stretch opportunities, coaching them to deliver results. Demonstrate critical thinking and the ability to bring order to unstructured problems. Use a broad range of tools and techniques to extract insights from current industry or sector trends. Review your work and that of others for quality, accuracy and relevance. Know how and when to use tools available for a given situation and can explain the reasons for this choice. Seek and embrace opportunities which give exposure to different situations, environments and perspectives. Use straightforward communication, in a structured way, when influencing and connecting with others. Able to read situations and modify behavior to build quality relationships. Uphold the firm's code of ethics and business conduct. This position focuses on performing actuarial duties relating to Appointed Actuary and audit support work, as well as a variety of other consulting projects of an actuarial/statistical/modeling nature as required. The position will be required to effectively communicate actuarial concepts to co-workers and clients, including non-actuarial audiences. This also includes training and mentoring associates when necessary. Responisbilities Consulting (50%) Assist in performing duties relating to Appointed Actuary work Assist on various actuarial consulting projects Prepare actuarial valuation reports and presentations Audit Support (30%) Provide audit specialist support to PwC audit teams Training & Mentorship (10%) Train and mentor Associates on the above tasks Other tasks & responsibilities as assigned (10%) Assist with other projects as required by the department Skills Requirements Knowledge of actuarial theories and insurance products Proficiency in computer applications, including MS Excel, Word, Access and PowerPoint Proficient in Moody’s Analytics AXIS Experience with Moody’s Analytics RiskIntegrity for IFRS 17 considered an asset Working experience of programming languages (VBA, SQL, C++, Python, R) is an asset Statistical programming skills are an asset Education Min. Qualification - Bachelor's degree in any of the following areas of study; Actuarial Science, Statistics, Mathematical Statistics, Applied Mathematics, Mathematics, Economics, Other related fields of Study may be considered Credential- -Associate of the Society of Actuaries (or equivalent) Preferred or Actively pursuing Associateship of the Society of Actuaries (or equivalent) Certification requirement may be waived if the candidate has more experience in the relevant field Experience - 2+ years Show more Show less

Job Requirements Role/ Job Title: Credit Manager-Rural Credit-Business Banking Underwriting Function/ Department: Business Banking Underwriting Job Purpose To assess, evaluate, review, and approve proposals as a first officer for the business banking relationship which is referred to retail credit. Maintain the service level deliverables agreed with counter parts. Effective portfolio management including regular monitoring, early warning identifications, deferral tracking, renewals and working on appropriate account strategy in conjunction with business team in line with the Banks’s risk appetite Roles & Responsibilities Appraisal of proposals: Credit appraisal of loan application within defined guidelines and accordingly take decision, recommend for approval to higher authorities. To convey a clear opinion/ Highlight Critical risks along with suitable mitigates if any, regarding the acceptability of the proposed transactions/ facilities covering business model, industry risk, structure, Bank Conduct and Financials risk. Awareness of the product proposed, suitability to client requirement Conduct personal discussion with customers. Portfolio Monitoring Timely Renewal Deferral Management EWS Management Customer visits on key customers and high value relationship TAT Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Education Qualification Graduation: Any graduate Experience: 2-5 years of relevant experience. Show more Show less

Job Description We are seeking a skilled and detail-oriented Data Analyst to join our team. The ideal candidate will have hands-on experience with Python coding, Data analysis, QA experience with test case creation, test automation, and end-to-end testing. In this role, you will work closely with software engineers and AI scientists to ensure the delivery of high-quality products and solutions. Responsibilities Analyze test data, logs, and other relevant information to identify issues and ensure high data quality. Own the software QA process, including developing, implementing, and maintaining test plans, scenarios, and cases. Perform both manual and automated tests for websites and applications. Write and maintain Python scripts to support data analysis. Analyze requirement and design specifications to develop relevant test cases. Develop and maintain automated test suites for web and application testing using appropriate tools and frameworks. Identify and report defects with clear steps to reproduce. Manage testing across multiple applications using a range of tools and technologies. Support and execute application testing phases (functional and non-functional) to ensure software meets requirements before production. Perform end-to-end testing for the entire application, ensuring that all components and interactions work as expected from the user’s perspective. Coordinate with developers and AI analysts to identify requirements, potential issues, and improvements in both functional and non-functional aspects of the software. Identify, document, and track defects in the software, providing clear, concise information to facilitate quick resolution. Stay current with industry trends and best practices to improve the quality and efficiency of the testing process. Qualifications At least 3 years of experience in a relevant field. Ability to analyze and review data to identify patterns, issues, and trends within datasets, logs, and reports. Strong attention to detail and ability to draw actionable insights from complex data sets. Proficient in Microsoft Excel, including advanced functions, pivot tables, and data visualization for reporting and analysis Knowledge of common Python data analysis libraries (e.g., Pandas). Skilled in using business intelligence tools like Power BI to visualize and analyze test data, uncover trends, and provide data-driven recommendations to improve product quality. Strong background in QA process development, execution, and documentation. Proficiency in manual and automated testing methodologies, including quality concepts. Good understanding of git and working collaboratively on team-level code bases. Experience with Agile and Scrum methodologies. Knowledge of cloud technologies and platforms such as AWS is a plus. Experience with the Linux command line and basic Linux server administration skills is a plus. Prior experience in the P&C insurance industry is a plus. Bachelor’s degree in computer science or a related field, or equivalent experience. About Us For over 50 years, Verisk has been the leading data analytics and technology partner to the global insurance industry by delivering value to our clients through expertise and scale. We empower communities and businesses to make better decisions on risk, faster. At Verisk, you'll have the chance to use your voice and build a rewarding career that's as unique as you are, with work flexibility and the support, coaching, and training you need to succeed. For the eighth consecutive year, Verisk is proudly recognized as a Great Place to Work® for outstanding workplace culture in the US, fourth consecutive year in the UK, Spain, and India, and second consecutive year in Poland. We value learning, caring and results and make inclusivity and diversity a top priority. In addition to our Great Place to Work® Certification, we’ve been recognized by The Wall Street Journal as one of the Best-Managed Companies and by Forbes as a World’s Best Employer and Best Employer for Women, testaments to the value we place on workplace culture. We’re 7,000 people strong. We relentlessly and ethically pursue innovation. And we are looking for people like you to help us translate big data into big ideas. Join us and create an exceptional experience for yourself and a better tomorrow for future generations. Verisk Businesses Underwriting Solutions — provides underwriting and rating solutions for auto and property, general liability, and excess and surplus to assess and price risk with speed and precision Claims Solutions — supports end-to-end claims handling with analytic and automation tools that streamline workflow, improve claims management, and support better customer experiences Property Estimating Solutions — offers property estimation software and tools for professionals in estimating all phases of building and repair to make day-to-day workflows the most efficient Extreme Event Solutions — provides risk modeling solutions to help individuals, businesses, and society become more resilient to extreme events. Specialty Business Solutions — provides an integrated suite of software for full end-to-end management of insurance and reinsurance business, helping companies manage their businesses through efficiency, flexibility, and data governance Marketing Solutions — delivers data and insights to improve the reach, timing, relevance, and compliance of every consumer engagement Life Insurance Solutions – offers end-to-end, data insight-driven core capabilities for carriers, distribution, and direct customers across the entire policy lifecycle of life and annuities for both individual and group. Verisk Maplecroft — provides intelligence on sustainability, resilience, and ESG, helping people, business, and societies become stronger Verisk Analytics is an equal opportunity employer. All members of the Verisk Analytics family of companies are equal opportunity employers. We consider all qualified applicants for employment without regard to race, religion, color, national origin, citizenship, sex, gender identity and/or expression, sexual orientation, veteran's status, age or disability. Verisk’s minimum hiring age is 18 except in countries with a higher age limit subject to applicable law. https://www.verisk.com/company/careers/ Unsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property. Verisk will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Verisk Employee Privacy Notice Show more Show less

Job Description As a finance specialist, you will analyze financial data, ensure compliance with regulations, and provide insights to drive business decisions and improve financial performance. The ideal candidate will have strong analytical skills, experience in financial management, and the ability to work collaboratively . Responsibilities Principal Responsibilities and Essential Duties: Manages daily activities of Accounts payable and accounts receivables. Deals with month end closing process and balance sheet Reconciliations (Cash, Fixed assets, Inter Company, Current assets, Current liabilities etc.) Assist with tax, audit and statutory filings, liaison with internal and external parties such as tax agency, auditor and corporate secretarial to ensure compliance. Handle full cycle of payroll process by liaison with payroll vendor and HR team, it involves of undertaking payroll calculation, performing payroll reconciliation and preparing payroll accounting. Adherences to the internal controls and support the review of key controls and SOX compliance. Continuously evaluates, recommends, and implements changes to all processes impacting financial statements to enhance efficiency and accuracy Requirements QUALIFICATIONS Bachelor's degree or higher in Accounting. 3 to 5 years of accounting Experienced in handling full set of accounts including AR, AP, month end closing and statutory reporting. An excellent knowledge of local and international financial reporting standards and regulations is required combined with the ability to research and propose company positions on complex accounting issues. Certified public accountant (CPA) license and big four experience is preferred About Us For over 50 years, Verisk has been the leading data analytics and technology partner to the global insurance industry by delivering value to our clients through expertise and scale. We empower communities and businesses to make better decisions on risk, faster. At Verisk, you'll have the chance to use your voice and build a rewarding career that's as unique as you are, with work flexibility and the support, coaching, and training you need to succeed. For the eighth consecutive year, Verisk is proudly recognized as a Great Place to Work® for outstanding workplace culture in the US, fourth consecutive year in the UK, Spain, and India, and second consecutive year in Poland. We value learning, caring and results and make inclusivity and diversity a top priority. In addition to our Great Place to Work® Certification, we’ve been recognized by The Wall Street Journal as one of the Best-Managed Companies and by Forbes as a World’s Best Employer and Best Employer for Women, testaments to the value we place on workplace culture. We’re 7,000 people strong. We relentlessly and ethically pursue innovation. And we are looking for people like you to help us translate big data into big ideas. Join us and create an exceptional experience for yourself and a better tomorrow for future generations. Verisk Businesses Underwriting Solutions — provides underwriting and rating solutions for auto and property, general liability, and excess and surplus to assess and price risk with speed and precision Claims Solutions — supports end-to-end claims handling with analytic and automation tools that streamline workflow, improve claims management, and support better customer experiences Property Estimating Solutions — offers property estimation software and tools for professionals in estimating all phases of building and repair to make day-to-day workflows the most efficient Extreme Event Solutions — provides risk modeling solutions to help individuals, businesses, and society become more resilient to extreme events. Specialty Business Solutions — provides an integrated suite of software for full end-to-end management of insurance and reinsurance business, helping companies manage their businesses through efficiency, flexibility, and data governance Marketing Solutions — delivers data and insights to improve the reach, timing, relevance, and compliance of every consumer engagement Life Insurance Solutions – offers end-to-end, data insight-driven core capabilities for carriers, distribution, and direct customers across the entire policy lifecycle of life and annuities for both individual and group. Verisk Maplecroft — provides intelligence on sustainability, resilience, and ESG, helping people, business, and societies become stronger Verisk Analytics is an equal opportunity employer. All members of the Verisk Analytics family of companies are equal opportunity employers. We consider all qualified applicants for employment without regard to race, religion, color, national origin, citizenship, sex, gender identity and/or expression, sexual orientation, veteran's status, age or disability. Verisk’s minimum hiring age is 18 except in countries with a higher age limit subject to applicable law. https://www.verisk.com/company/careers/ Unsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property. Verisk will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Verisk Employee Privacy Notice Show more Show less