FairMoney is a pioneering mobile banking institution specializing in extending credit to emerging markets. Established in 2017, the company currently operates primarily within Nigeria, and it has secured nearly €50 million in funding from renowned global investors, including Tiger Global, DST, and Flourish Ventures. FairMoney maintains a strong international presence, with offices in several countries, including France, Nigeria, Germany, Latvia, the UK, Türkiye, and India. In alignment with its vision, FairMoney is actively constructing the foremost mobile banking platform and point-of-sale (POS) solution tailored for emerging markets. The journey began with the introduction of a digital microcredit application exclusively available on Android and iOS devices. Today, FairMoney has significantly expanded its range of services, encompassing a comprehensive suite of financial products, such as current accounts, savings accounts, debit cards, and state-of-the-art POS solutions designed to meet the needs of both merchants and agents. To gain deeper insights into FairMoney's pivotal role in reshaping Africa's financial landscape, we invite you to watch this informative video. About the role A highly analytical professional with deep expertise in Expected Credit Loss (ECL) modeling forecasting and collections risk analysis. This role is critical in shaping data-driven recovery strategies by analyzing delinquency trends, risk segmentation, and portfolio performance. The individual must have a strong understanding of how predictive models work, impact collections strategies, and how to interpret their outputs to optimize recovery efforts. The individual will be responsible for analyzing risk trends, evaluating collections effectiveness, and providing actionable insights to improve recoveries. This position requires hands-on experience with SQL, Python (for data analysis), and statistical modeling concepts, as well as a thorough understanding of how underwriting decisions and collections operations impact Expected Credit Loss and overall portfolio risk. Requirements ECL Modeling & Forecasting: • Analyze and interpret ECL models and forecasts, providing insights into expected recoveries and risk exposure. • Utilize historical delinquency and recovery data to assess the accuracy of ECL projections and recommend refinements. • Perform vintage analysis and roll-rate modeling to understand credit deterioration and its impact on collections risk. • Support stress testing efforts to evaluate portfolio performance under different collections strategies and economic conditions. • Monitor and assess loss provisioning trends, ensuring alignment between collections strategies and expected recoveries. Collections Performance Analytics & Risk Segmentation: • Analyze cohort performance, delinquency trends, and borrower segmentation to optimize collections strategies. • Evaluate the effectiveness of existing collections treatment paths, identifying areas for improvement. • Assess the impact of credit underwriting decisions on collections outcomes, ensuring alignment between risk assessment and recovery strategies. • Support the design and execution of A/B testing for different collections approaches, using data to recommend optimal strategies. • Monitor roll rates and transition matrices to detect early signs of delinquency risk and recommend intervention strategies. Understanding of Predictive Models & Strategy • Interpret the outputs of propensity-to-pay models and predictive risk models, using insights to refine collections outreach. • Work closely with data science teams to understand how machine learning models assess collections risk and borrower behavior. • Leverage model-driven insights to enhance borrower segmentation, call center efficiency, and digital engagement strategies. • Identify leading indicators of non-repayment, ensuring proactive collections intervention before delinquency worsens. • Collaborate with strategy teams to refine contact strategies based on predictive insights, improving recovery rates. Collaboration & Process Improvement: • Work closely with finance, risk, and collections operations teams to ensure accurate forecasting and risk assessment. • Provide data-driven recommendations to improve collections efficiency, reduce cost to collect, and enhance customer engagement. • Develop automated reporting and dashboards for tracking collections KPIs, recovery rates, and delinquency trends. • Support the Collections Analytics Manager in refining risk models and implementing strategy improvements based on data insights. • Evaluate and recommend new data sources to improve collections risk analysis and forecasting accuracy. Key Skills & Qualifications: Technical & Analytical Skills: • Advanced proficiency in SQL and Python for data extraction, manipulation, and analysis. • Strong expertise in Expected Credit Loss (ECL) modeling, loss forecasting, and provisioning calculations. • Familiarity with statistical modeling, machine learning outputs, and predictive analytics in a credit risk or collections setting. • Understanding of vintage analysis, roll-rate modeling, and transition matrices for delinquency risk assessment. • Experience with Power BI, Tableau, or similar visualization tools to present collections insights effectively. • Knowledge of IFRS 9 and other credit risk regulatory frameworks affecting ECL calculations. Experience & Risk Management Expertise: • 3+ years of experience in collections analytics, credit risk, or a related data-driven role. • Strong track record in forecasting delinquency trends and optimizing loss provisioning strategies. • Experience working with ECL models, understanding their inputs, outputs, and business implications. • Understanding of underwriting policies and how they influence collections risk and recovery strategies. • Experience in A/B testing for collections strategy optimization. • Strong ability to interpret predictive model outputs and apply insights to optimize collections operations. Communication & Stakeholder Engagement: • Strong ability to translate complex data findings into actionable recommendations for senior leadership. • Experience working cross-functionally with finance, risk, and collections operations teams. • Ability to present technical insights in a clear, non-technical manner to business stakeholders. • Strong written and verbal communication skills to drive alignment on collections risk strategy. Desired Traits: • Highly Analytical: Strong problem-solving skills with the ability to break down complex data into actionable insights. • Detail-Oriented: Ensures accuracy in reporting and forecasting to minimize risk exposure. • Proactive: Continuously seeks ways to improve ECL forecasting, risk segmentation, and collections efficiency. • Results-Driven: Focused on optimizing recovery rates and minimizing losses through data-driven strategy execution. • Adaptable: Thrives in a fast-paced, dynamic environment where collections and risk strategies evolve rapidly. Benefits Private Health Insurance Pension Plan Training & Development Hybrid work Paid Time Off Recruitment Process Screening interview with a Senior Recruiter- 30 minutes Technical Assessment Technical Interview with the Lead Risk Manager for 45-60 minutes. Show more Show less

Job Description Finance specialist responsible for develops objectives. Follow procedures or instructions. Responsible for implementation. Assists in clarifying and defining objectives. Responsible for implementation Responsibilities Principal Responsibilities and Essential Duties: Accounts Payables Timely coding of vendor invoices, forwarding invoices for approval to authorized personnel and requesting payments. Liaison with vendors, internal stakeholders and central AP team to resolve issues if there are any errors, anomalous in relation to billing, cost allocation and approvals. Input and review the right amount of taxes includes withholding taxes/GST/VAT related to vendor invoices. Answering any vendor invoices related questions Employee Expense Claims Process employees' expense claims, includes reviewing support receipts against expense reports. Ensure expense claims are input accurately to various cost categories and cost centres. Ensure expense claims are in compliance with Travel and Entertainment Policies of the company. Answering any expense claims related questions. Accounts Receivables Coordinate with Billing team for issuance of invoices and local tax sales invoices Month End Closing To identify any abnormal fluctuations in Account Payables related Balance Sheet and Profile & Loss accounts. Assist with month end closing, including prepare and upload journal vouchers for required adjustments Statutory Audit & Tax Extract samples select for audit testing. Preparation of audit confirmations Coordinating with internal teams to gather information requested by audit team Provide financial information and supporting documents for the purpose monthly/quarterly/annual tax filings Treasury Prepare manual payments for APAC entities: suppliers’ invoices, expense claims, payrolls, tax payments, intercompany funding, transfer pricing payment. Prepare cashflow forecast and ensure all bank accounts have sufficient bank balance for business operations. Working with various bankers to resolve payment issues, system errors and due diligence process. Post journal vouchers based on bank statement during month end close. Ad hoc support and administrative work. Requirments QUALIFICATIONS Bachelor's degree or higher in Accounting. 2 to 3 years of working experience in accounting field. Ability to handle pressure and meet tight deadlines. Candidates with good excel skills are preferred. Excellent written and verbal communication skills. Organized, efficient, and able to work independently with supervision to provide accurate work while following guidelines and company policies. Exposure to financial reporting, international accounting and issue recognition experience. Working experience in Big 4 or public accounting firm 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

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. We are looking for a highly motivated and experienced insurance underwriting business analyst to join our team. You will play an integral role in supporting our large Property & Casualty (P&C) clients, primarily located in the United States. Additional clients may be large corporations who self-insure or who offer loyalty programs. Your primary role will be preparing insurance underwriting and pricing business requirements for conversion to modern cloud-based technology. You will meet with clients and review their existing rating and underwriting processes and rules. You will review insurance rule manuals from standards organizations such as Insurance Services Office (ISO) and National Council of Compensation Insurance (NCCI). You will apply your knowledge of insurance products and rating formulas to document the new underwriting and rating rules. The results of your work will be provided to a developer for coding into the new system. You will later be involved in quality assurance of the results, checking the calculated premiums from the new system vs. expectations and identifying and quantifying the source of any differences. In addition, you may be involved in other consulting projects that include financial reporting, capital reporting, product pricing, merger and acquisition activities, and operational and organizational consulting. Characteristics of the role include but are not limited to: Preparing deliverables within stringent deadlines Participating actively in team and client discussions and meetings; Keeping leadership informed of progress and issues; Consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Contribute to the development of your own and team’s technical acumen. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Continuous training and proactively learning new processes Requirements Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) or any other relevant degree 1 to 6 years work experience Demonstrated ability and/or a proven record of success with advisory agencies (ISO/NCCI/AAIS), personal, commercial, and specialty product offerings, the insurance contract, product model details, policy administration processes, regulatory and compliance agencies and related business functions. Demonstrates thorough abilities and/or a proven record of success in project activities such as: Writing and designing process maps; Preparing business requirements, documenting ‘As Is’ and ‘To Be’ processes and delivering process flows; Coordinating project input; Demonstrating ability to formally documenting functions; Writing process documentation; Demonstrating experience of making prompt and practical business decisions. Demonstrates thorough abilities and/or a proven record of success in insurance business applications such as: Policy administration; Enterprise data warehouse; and, Document management systems (production, imaging, storage) - as a functional user or as a business system analyst. Required certification or progress towards one of AICPCU Certifications - Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Claims (AIC), Associate in Underwriting (AU), Associate in Reinsurance (ARe), Associate in Insurance (AINS) Preferred Certifications or experience in one of vendor business applications - E.g. Guidewire (strongly preferred), Duck Creek, MajescoMastek, EIS, Exigen; CSC or One Shield, and Certified Business Analyst (CBAP) or Certification of Competency in Business Analysis (CCBA) Preference for pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) Advance knowledge on Microsoft Office especially Excel Preferred knowledge of Data Analytics – Python, SQL Fluent written and verbal English communication skills Strong preference for working schedule from 2:00pm to 10:00pm IST. 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. TAT Maintaining the defined credit and end to end TATs to timely service internal as well as external customers. Secondary Responsibilities Co-ordination with Counter parts in Business, Operations, Legal, Technical and others as required. Ensure all MIS related to credit are submitted within defined timeliness. Area Knowledge Education Qualification Graduation: Any Experience: 2-5 years of relevant experience. 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

The Investment Banking / Capital Markets business is looking for an Associate level candidate to join its COO team. The role is based out of Mumbai and requires working with NY, London, and Hong Kong COO Teams. The COO Team is responsible for driving strategic decision-making and executing growth initiatives to enable the business to meet and exceed objectives. The successful candidate will support the Investment Banking and Capital Markets COO teams to optimize operational processes and provide metrics & reporting. The position provides an opportunity to participate in key strategic projects for the division and learn from senior executives. High performers will be eligible for internal mobility opportunities globally. You will: (Key Responsibilities) Support strategic decision making by preparing reports and analyses on the division’s performance, competitive landscape, and key market trends for senior management Help manage and execute weekly, monthly, and quarterly business updates to senior leaders Construct strategic presentations delivered by senior executives Execute on divisional projects focused on regulatory, risk, technology and compliance related matters Liaise and collaborate with other COO groups globally You have: (must-have skills and qualifications) 3+ years of relevant work experience MBA/PGDM (Finance) from reputable institution or BSc/MSc in a quantitative/finance degree (e.g. Finance, Economics and Engineering) Proficient in Microsoft Excel formulas and data analysis, and Microsoft PowerPoint Strong analytical and numerical skills and are at ease with financial data Strong problem-solving skills and attention to detail Ability to extract key insights from large data sets and distil into comprehensible formats Excellent communication and interpersonal skills to collaborate effectively with global teams and senior management Ability to multi-task and thrive in a fast-paced environment Team player with a strong work ethic and motivation to learn Ability to quickly grasp key concepts and take ownership of deliverables A strategic and logical mindset with a creative edge to support management initiatives Proficient verbal and written communication skills in English Experience with Refinitiv, Dealogic and CapIQ data preferred but not required Company Profile Morgan Stanley is a leading global financial services firm providing a wide range of investment banking, securities, investment management and wealth management services. The Firm's employees serve clients worldwide including corporations, governments and individuals from more than 1,200 offices in 43 countries. As a market leader, the talent and passion of our people is critical to our success. Together, we share a common set of values rooted in integrity, excellence and strong team ethic. Morgan Stanley can provide a superior foundation for building a professional career - a place for people to learn, to achieve and grow. A philosophy that balances personal lifestyles, perspectives and needs is an important part of our culture. Department Profile Morgan Stanley is a worldwide leader in investment banking and is one of the top firms in mergers and acquisitions, underwriting of equity and equity-related transactions, corporate debt issuance, and high-yield debt financing. With professionals in 30 countries, we are consistently recognized for our performance in both traditional and innovative financing techniques, helping a wide range of clients around the world to make and execute decisions about their business strategy and financial structure. What You Can Expect From Morgan Stanley We are committed to maintaining the first-class service and high standard of excellence that have defined Morgan Stanley for over 89 years. Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work. Morgan Stanley is an equal opportunities employer. We work to provide a supportive and inclusive environment where all individuals can maximize their full potential. Our skilled and creative workforce is comprised of individuals drawn from a broad cross section of the global communities in which we operate and who reflect a variety of backgrounds, talents, perspectives, and experiences. Our strong commitment to a culture of inclusion is evident through our constant focus on recruiting, developing, and advancing individuals based on their skills and talents. 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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 Requirements Job Title – Credit Manager Business Unit – Retail Banking -Credit Job Purpose The role bearer has the responsibility to manage a team as well as coordinate with sales team to achieve target of the area assigned. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Roles & Responsibilities Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes Supervise a team of credit underwriters and provide guidelines Conduct personal discussion with customers to establish credit worthiness Control and contain front-end delinquencies by calling up customer on first presentation Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits Coordinate with sales to achieve targets and ensure SLAs are met Ensuring credit policy adherence to the accepted standards Educational Qualifications Graduate – Any graduate Experience: 2-5 years of experience in credit. Show more Show less

Kataria Business Insurance at Marine Lines has a vacancy for an Underwriting, Data Entry, Accounts cum Audit Executive. Fluency in English communication. Immediate joining. Proficiency in Excel. Candidates should be willing to travel at Marine Lines. Office time : 10.30 to 7.30 Monday to Saturday. Saturday till 6 p.m. Show more Show less

Company Description WNS (Holdings) Limited (NYSE: WNS), is a leading Business Process Management (BPM) company. We combine our deep industry knowledge with technology and analytics expertise to co-create innovative, digital-led transformational solutions with clients across 10 industries. We enable businesses in Travel, Insurance, Banking and Financial Services, Manufacturing, Retail and Consumer Packaged Goods, Shipping and Logistics, Healthcare, and Utilities to re-imagine their digital future and transform their outcomes with operational excellence.We deliver an entire spectrum of BPM services in finance and accounting, procurement, customer interaction services and human resources leveraging collaborative models that are tailored to address the unique business challenges of each client. We co-create and execute the future vision of 400+ clients with the help of our 44,000+ employees. Job Description Full Job Description Position Summary: The 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 Education: Bachelors in any stream. Experience: 2+ 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. Qualifications Batchelor's Degree (Any) Show more Show less

At EY, you’ll have the chance to build a career as unique as you are, with the global scale, support, inclusive culture and technology to become the best version of you. And we’re counting on your unique voice and perspective to help EY become even better, too. Join us and build an exceptional experience for yourself, and a better working world for all. JD for L&A Business Consultant Working as part of the Consulting team, you will take part in engagements related to a wide range of topics. Some examples of domains in which you will support our clients include the following: Proficient in Individual and Group Life Insurance concepts, different type of Annuity products etc. Proficient in different insurance plans - Qualified/Non-Qualified Plans, IRA, Roth IRA, CRA, SEP Solid knowledge on the Policy Life cycle Illustrations/Quote/Rating New Business & Underwriting Policy Servicing and Administration Billing & Payment Claims Processing Disbursement (Systematic withdrawals, RMD, Surrenders) Regulatory Changes & Taxation Understanding of business rules of Pay-out Demonstrated ability of Insurance Company Operations like Nonforfeiture option/ Face amount increase, decrease/ CVAT or GPT calculations /Dollar cost averaging and perform their respective transactions. Understanding on upstream and downstream interfaces for policy lifecycle Consulting Skills – Experience in creating business process map for future state architecture, creating WBS for overall conversion strategy, requirement refinement process in multi-vendor engagement. Worked on multiple Business transformation and modernization programs. Conducted multiple Due-Diligence and Assessment projects as part of Transformation roadmaps to evaluate current state maturity, gaps in functionalities and COTs solution features. Requirements Gathering, Elicitation –writing BRDs, FSDs. Conducting JAD sessions and Workshops to capture requirements and working close with Product Owner. Work with the client to define the most optimal future state operational process and related product configuration. Define scope by providing innovative solutions and challenging all new client requirements and change requests but simultaneously ensuring that client gets the required business value. Elaborate and deliver clearly defined requirement documents with relevant dataflow and process flow diagrams. Work closely with product design development team to analyse and extract functional enhancements. Provide product consultancy and assist the client with acceptance criteria gathering and support throughout the project life cycle. Technology Skills - Proficient in technology solution architecture, with a focus on designing innovative and effective solutions. Experienced in data migration projects, ensuring seamless transfer of data between systems while maintaining data integrity and security. Skilled in data analytics, utilizing various tools and techniques to extract insights and drive informed decision-making. Strong understanding of data governance principles and best practices, ensuring data quality and compliance. Collaborative team player, able to work closely with stakeholders and technical teams to define requirements and implement effective solutions. Industry certifications (AAPA/LOMA) will be added advantage. Experience on these COTS product is preferrable. FAST ALIP OIPA wmA We expect you to work effectively as a team member and build good relationships with the client. You will have the opportunity to expand your domain knowledge and skills and will be able to collaborate frequently with other EY professionals with a wide variety of expertise. EY | Building a better working world EY exists to build a better working world, helping to create long-term value for clients, people and society and build trust in the capital markets. Enabled by data and technology, diverse EY teams in over 150 countries provide trust through assurance and help clients grow, transform and operate. Working across assurance, consulting, law, strategy, tax and transactions, EY teams ask better questions to find new answers for the complex issues facing our world today. Show more Show less

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 Global Commercial Real Estate group deals with the Commercial mortgage backed securities & Asset Backed Securities. Commercial Mortgage Backed Securities (CMBS) are securities backed primarily by the cash flows of a mortgage or pool of mortgages on commercial real estate. The fundamental purpose of CMBS is to link sources of capital to users of capital – creating a vehicle that the investors involved in the fixed income capital markets can use to lend money to the real estate owners. Asset-backed securities, called ABS, are bonds or notes backed by financial assets. Typically these assets consist of receivables other than mortgage loans, such as credit card receivables, auto loans, manufactured-housing contracts and home-equity loans. Job Description The team supports the Line of business on different activities covering various aspects of Origination & Underwriting of Commercial Mortgage Loan. Here is a brief about few of the activities. The associate will be supporting on any one or group of activities based on business requirement. Underwriting - As a Lender, Bank of America does a thorough underwriting of the underlying mortgage before funding a loan by considering different aspects such as Financial Performance, Loan to Value, Credit Worthiness, Property Condition, Occupants, Market, Location and accessibility. The BA Continuum supports the US underwriting team with the following activities.  Appraisal Report  Property Condition Report  Seismic Report  Lease Review  Rent Roll Analysis Quality Control - As a Lender, Bank of America needs to ensure that the Quality of the information is error free in the banks relevant databases. The BA Continuum Solutions reviews the loan at funding stage of a deal to ensure that we have the accurate information available with us. The team does a due diligence and report the discrepancies if any as this would have an impact while closing the deal. Team also supports the Originators by performing Loan Sizing with the available borrower package. Asset Backed Securities - Asset-backed securities, called ABS, are bonds or notes backed by financial assets. Typically these assets consist of receivables other than mortgage loans, such as credit card receivables, auto loans, manufactured-housing contracts and home-equity loans. Responsibilities* 1. Review and update Third Party Reports & Rent Roll in Backshop 2. Review Lease Agreements and complete the Lease Reviews 3. Complete the Quality Check of loans during funding stage of loan cycle 4. Sizing of Loans with the available Borrower Package 5. Support on the credit monitoring of ABS deals through portfolio statistics 6. Work on monthly reporting activities for ABS portfolio Requirements Education* Commerce Graduate (B.Com /M.Com/MBA) Certifications If Any - NA Experience Range* 5 to 6 years Foundational skills* Knowledge of Commercial Mortgages & Asset Backed Securities Knowledge of General Accounting & Principles Knowledge of Financial and Capital Markets Excellent Oral & Written Communication Skills Desired skills Ability to work well under pressure Excellent problem solving & analytical skills Highly motivated individual with a diverse background in financial analysis Work Timings* 09:30 AM to 06:30 PM IST Job Location* Hyderabad

Position: Credit Manager - Working Capital NBFC ( Unsecured Credit ) Job Summary: The Credit Manager is responsible for assessing and managing credit risk associated with the NBFC's working capital lending activities. This includes evaluating the creditworthiness of potential borrowers, setting credit limits, monitoring existing loans, and implementing risk mitigation strategies. The Credit Manager will work closely with the sales and underwriting teams to ensure that lending decisions align with the company's risk appetite and regulatory compliance. Key Responsibilities: Credit Assessment: Evaluate the creditworthiness of potential borrowers by analyzing financial statements, credit reports, industry trends, and other relevant data. Utilize credit scoring models and risk assessment tools to make informed lending decisions. Underwriting: Determine appropriate loan structures, terms, and conditions based on the risk profile of the borrower. Collaborate with the underwriting team to ensure accurate and timely processing of loan applications. Credit Policy Development: Contribute to the development and refinement of the company's credit policies and guidelines. Ensure that lending practices adhere to regulatory requirements and industry best practices. Risk Mitigation: Implement risk mitigation strategies, including collateral requirements, guarantees, and covenants, to protect the NBFC's interests. Portfolio Management: Monitor the performance of existing loans and take necessary actions in case of any emerging risks or defaults. Conduct periodic reviews of client financials to assess ongoing creditworthiness. Relationship Management: Build and maintain strong relationships with borrowers, ensuring clear communication and understanding of lending terms. Compliance and Reporting: Ensure compliance with all relevant regulatory requirements, including reporting to regulatory bodies as necessary. Generate and analyse credit-related reports to support decision-making and risk assessment. Team Collaboration: Collaborate with the sales team to understand client needs and provide input on credit decisions. Provide guidance and mentorship to junior members of the credit team. Qualifications: 8-12 Years of Experience Bachelor's degree in Finance, Accounting, Economics, or related field. A Master's degree or relevant professional certifications may be advantageous. Proven experience in credit analysis and risk management within an NBFC or financial institution , with a focus on working capital lending(Business loan, OD, CC Limits etc) Strong understanding of financial statements, credit risk assessment techniques, and industry-specific risk factors. Knowledge of relevant regulatory frameworks and compliance requirements. Excellent communication and interpersonal skills. Analytical mindset and proficiency in using financial modelling and risk assessment tools. Location- Netaji Subhash Place, Delhi Job Type: Full-time Pay: ₹1,000,000.00 - ₹1,300,000.00 per year Schedule: Day shift Application Question(s): What is your notice period? Have you worked with NBFC or financial organisation? Have you worked on Unsecured Credit? Work Location: In person

Job Requirements Job Description Job Title – Credit Manager - Mortgage Rural Business Unit - Retail Banking Function - Credit - Mortgage Job Purpose The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement for Mortgage products. The role bearer is involved in managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their creditworthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Responsibilities Roles & Responsibilities: Responsible for underwriting secured and unsecured proposals for loan customers as per the laid down policies & procedure to honor the agreed SLAs and manage area business volumes. Conduct personal discussion with customers to establish credit worthiness. Control and contain front-end delinquencies by calling up customer on first presentation. Making sure completion of credit/KYC documents and verification- telephonic, field & collateral visits. Coordinate with sales to achieve targets and ensure SLAs are met. Ensuring credit policy adherence to the accepted standards. Collaborate with Collections to drive down the net credit loss and delinquency metrics by ensuring that trends on delinquent customers are identified and communicated to the Collections team in order to take corrective action through new sourcing. Review and approve credit proposals given the discretionary authority and escalate others to those with the appropriate approval authority while ensuring compliance with the bank’s credit policy. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Educational Qualifications Graduation: - Any Graduation Experience 2+ years of experience in credit. Show more Show less

Skill required: NA - Business Transformation Designation: Business Transformation Manager Qualifications: Any Graduation Years of Experience: 13 to 18 years About Accenture Accenture is a global professional services company with leading capabilities in digital, cloud and security.Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song— all powered by the world’s largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. We embrace the power of change to create value and shared success for our clients, people, shareholders, partners and communities.Visit us at www.accenture.com What would you do? Drive Business Transformation solutions for clients for their retained and outsourced organization Creating customer engaging solutions focusing on end-to-end transformation, resulting in “Future Ready” Operations Maintain a strong pipeline of proposals through enhanced stakeholder experience and delivering business outcomes. Accelerate the journey to digital, data-driven, intelligent operations by bringing together the best innovative digital technologies, process, and industry expertise Draw data and insights from client engagement, industry, and business process expertise Develop comprehensive end-to-end Value Stream Maps and Customer Journey Maps to visualize current-state processes, identify pain points, and uncover opportunities for improvement, automation, and enhance customer experience across the insurance value chain Engage with senior client leadership to co-create the Transformation Roadmap, define the Target Operating Model (TOM), and identify opportunities to optimize tactical value while aligning transformation initiatives with strategic business objectives, Engage with clients on driving Agentic and Automation as a strategic enabler and conveying the components of RPA & Cognition (AI/ML), ecosystem around organization structure, governance model, RACI matrix, roles required, evaluation matrix for processes and enabling integration with BPM, platforms and other point solutions. Conduct due diligence exercises and serve as a trusted advisor to internal and external stakeholders in designing and building a robust ecosystem for data mining, process intelligence, and transformation enablement. Possess a strong understanding of commercial models for transformation proposals Generate a strong pipeline of Business Transformation opportunities across processes aligned with strategic business priorities. • Ensure timely and high-quality support for customer engagements, RFX responses, and solution proposals in collaboration with sales, delivery, and capability teams. • Drive consistent adoption and measurable movement of transformation assets and the Client Value Meter across all accounts to demonstrate ongoing value realization. • Achieve productivity improvement and working capital optimization within captive centers and retained client organization through targeted transformation initiatives. • Track and deliver tangible business outcomes (e.g., cost reduction, cycle time improvement, accuracy gains, enhanced customer experience) for transformation engagements. What are we looking for? •Maintain high stakeholder satisfaction scores by building trust with client leadership and internal teams through proactive engagement and value delivery. • Lead the institutionalization of best practices, reusable assets, and transformation frameworks across accounts to enable scalable impact. • Collaborate with cross-functional teams (e.g., Digital, Analytics, Operations) to co-create solutions that integrate technology and process excellence. • Measure and report ROI and success metrics of transformation programs through dashboards, case studies, and value realization frameworks. Bachelor’s degree in engineering, Business Administration, Finance, or a related field • 15–18+ years of proven experience in Operations Transformation, Consulting, and Digital Transformation within the Insurance domain, specifically in Underwriting, Claims, and Risk Assessment functions. • Prior experience in a Operations Excellence environment, engaging directly with C-level stakeholders, with a strong focus on billability, strategic outcomes, and value realization. • Lean Six Sigma Black Belt certification is mandatory, with hands-on experience using Minitab and a portfolio of successfully completed transformation projects demonstrating statistical Roles and Responsibilities: •We are looking for Thought Leaders with hands experience and sound understanding of: o UW business including upstream and downstream processes o Claims management processes and the impact on it from upstream processes o Strong ERP functional skills with an understanding of Insurance Domain • Strong experience in Value Stream mapping, customer Journey mapping. Should have an end-to end problem-solving approach • Ability to identify automation/improvement opportunities and create automation/transformation roadmap, govern and manage end to end • Well versed with Industry proven technologies & leading tools, automation, AI, and Analytics plus have a proven track record of implementing digital solutions • Should have delivered mid/large scale end-end Process Transformation projects for global clients • Excellent Communication skills, result-oriented, self-driven person with a high energy level, analytical and structured with extensive experience in managing a high-performance team and delivering large scale Transformation project. • Drive rigorous metrics related to the Balance Score Card to evaluate performance and drive reduction in variability/defects in critical business processes • People management skills to manage large transformation Teams Any Graduation

Private Lending Underwriting(PLU), based in Bengaluru, is primarily responsible for the underwriting of loans to GS Private Wealth Management (PWM) clients.In this capacity, PLU assesses, underwrites, documents, and monitors the credit and business risks incurred in loan transactions.The underwriting process includes a thorough analysis of the borrower's financial condition, assessment of any collateral securing the loan, identification of risks and mitigants, among other items.Types of loans underwritten include commercial real estate, GS and third-party private equity/hedge funds (including co-invest facilities), aircraft, fine art, hobby properties, private company stock, yachts, marketable securities, etc. PLU also ensures that the underwriting standards approved by the bank are adhered to in the loan approval process, with exceptions appropriately mitigated and documented. In addition, PLU participates in various business-related initiatives, such as new product development and systems/operational enhancements. Private Lending is a part of GS Private Bank (PB), which is a business initiative of Goldman Sachs. PLU employees are employees of Goldman Sachs Bank USA. How you will fulfill your potential Evaluateall risk and economic implications of transactions, using strong analytical and technical skills Work closely with the Regional Lending Team to advise and develop solutions for clients that meet their needs and remain within acceptable risk parameters for the Bank Develop and maintain a thorough understanding of the product suite offered in Private Lending. Ensure consistency in the underwriting process and with the standards prescribed in the Product Lending Guides Document the loan structure and analysis for credit approval and file documentation purposes Ensure that loan documentation is consistent with the approved terms and that appropriate risk ratings are assigned to each loan transaction Confirm compliance with all covenant and collateral monitoring procedures Ensure that loan approvals and policy exceptions are documented appropriately and that credit files are maintained in a satisfactory manner Interact with banking regulators on an as needed basis. Provide other support of GS Bank USA's loan portfolio as requested Foster strong communication with Regional Private Lending teams, Credit Risk Management, PWM teams, clients and GS Bank USA personnel Skills and experience we are looking for MBA CPA or CFA a plus 3.5 - 5 years of work experience in a financial field (mortgage or insurance underwriting is not relevant for this role) Relevant work experience in commercial banking and/or private banking underwriting or credit roles Key skills include detailed knowledge of financial accounting, analysis, and modeling Excellent communication skills, both oral and written Strong project management, multi-tasking, and work organization skills Flexible, personable, confident, and self-motivated while focusing on being a team player Desire to be part of a dynamic and growing business No licensing required for this role

Role & responsibilities Performing a role of call quality monitoring Understanding quality concepts Listening to calls and update request based on checklist Should be a team player Preferred candidate profile Experience (Pre UW): Senior Underwriter-2 to 4 Years Job description: Loan Application, AUS Review, Credit Report, Credit Supplements, Liability analysis, Ratio calculations, Employment verifications, Income calculations including Salary, self-employment and other income, Title Verification, Appraisal, Insurance, Tax certificates, Borrowers net-worth including Bank statements, Retirement statements and Mutual Funds, Guideline analysis and reserve requirements. Work from Office Night shift Work location-Sholinganallur Chennai Transportation: 1 way Cab Week off: 2 days rotational off Notice Period-Immediate Joiner to 1 Month Walk In Interview Interview Date- 9th June 2025 Time- 10.30 A.M to 1.30 P.M Interview Venue- Wipro Limited-CDC5 468/469, 475/A, Old Mahabalipuram Road, Elcot Sez, Sholinganallur,Chennai

1) Job Purpose Responsible for day to day operational, financial, commercial & administrative activities of the branch. Ensuring 100% compliance to regulatory and organizational guidelines. 2) Dimensions What are the areas (in quantitative terms) the job has an impact on? Dimension Remarks 1. Input Accuracy Target 90% Inclusive of Medical and Non Medical cases 2. Petty Cash 15-25 (thousand) Monthly 3) Job Context & Major Challenges (What are the specific aspects of the job that provide a challenge to the jobholder in the context of the Unit/Zone? Key Challenges for the role: Consistent delivery of 100% accuracy across wide range of activities amid rapidly changing processes, diverse organizational guidelines , adaptation to regular extended working hours, seasonal & un predictable spike in volumes with limited or no system validations. Maintaining confidentiality of information and documentation despite lack of infrastructure and support Operating multiple systems (in excess of 15) despite server band width and connectivity issues Handling Sales behavior effectively in order to ensure compliance to internal and external guidelines 4) Principal Accountabilities Accountability Supporting Actions Execute financial processes timely with 100% accuracy Execute the receipting, banking and reconciliation processes accurately for policy cash/Cheque/DD within timelines as per the set process. Detection of Fake note to avoid operational loss Cheque Dishonour Management. Safe custody of both sets of Safe and cash box Keys and one set of office keys. Timely reconciliation of assets of the branch. Ensure genuineness of petty cash spends, timely raising and recording. Provide commercial support Identify local vendors and facilitate their registration as per procurement guidelines. Procurement of vendor bills, establishing genuineness and timely payment as per agreement. Encourage NEFT registrations of vendors. Support lease agreement registration and renewal process. New branch set up- coordination with various functions like IT/Infra/banking/ZOPS/DSF for smooth functions of branch. Extend Legal , Compliance and Taxation support Timely remittance of professional and work contract tax. Represent company on behalf of compliance/HO for hearing matters in labour/consumer court. Timely updates to HO on receipt of any notice from Tax authorities/labour offices/employment exchange/Local municipal offices. Ensure statutory displays at branches. Ensure 100% compliance of AML guidelines, identification and reporting of suspicious & fraudulent operational and financial transactions. Adherence to BCP guidelines. Handle Advisor commission process Timely Updation & handover of Commission chq to Advisors. Encourage NEFT with advisors and FLS. Resolve commission related queries of advisor. Ensure timely receipts and hand-over of TDS certificate to advisors. Provide HR/IT/Admin support Manage joining and exit formalities for concerned employees at the branch, including full and final settlement process. Log calls in case of downtime/pursue with Corporate IT. Monitor and ensure housekeeping, security and dispatch services are rendered in an uninterrupted and cost effective manner. Handle physical resource booking like meeting rooms, projectors, etc. Execute Underwriting and New Business processes Scrutinise New Business applications as per the SOPs to ensure 100% input accuracy to enhance straight through processing and issuance to submission ratio. Arrange speedy pick up of medical reports from medical labs and timely transmission of applications, medical reports, requirements via scanning and indexing with 100% accuracy. Collaborate with head office process owners/vendors to facilitate faster issuance. Ensure timely and accurate updation and delivery of policy documents/refund cheques in adherence to set standards. Provide prompt, accurate and courteous Customer Service Ensure 1st contact resolution at the branch for all internal & external customers’ & track requests through prescribed systems ensuring 100% accuracy and timely closure. Scrutinise claims documentation as per set guidelines and coordination with sales force and claimant for speedy fulfilment of claim requirements. Ensure 100% accurate and timely scrutiny & processing of reinstatement, fund switch, financial payout requests & other customer requests on the same day to avoid Gain/Loss. Customer identity & signature to be verified to establish genuineness of the transaction. Proactively participate in data cleansing exercise for both internal & external customers in respect of Bank details, PAN card Information, contact details & undelivered communications, . Contribute to Revenue Generation & conservation at every single opportunity & instance. Encourage NEFT enrolment for internal & external customers Participating in Persistency drive by sharing data with sales force & contacting customers for the allocated data base. Encourage use of self help tools like Go Green, ECS activation, alternate payment options by customers. Enhance contactability of the customers by collecting contact details. Participate in cost savings initiatives. Actively endeavour towards containing Freelook/ Surrender / withdrawal at branches by convincing customers. Actively engage with visiting customers to enhance revenue generation for the business by way of promoting Riders & top up adding to incremental premium on the existing policies for the Co. Intimate & pursue cheque dishonour cases with the respective sales team members / customer both at new business & renewal stage & strive for repayment to conserve the revenue. Identify & report fraudulent claims by providing proof / information to Claims team and get involved with the investigation as much required and sought. Prevent Fraudulent / Fake Policies from issuance by Branches by controlling the document verification and reporting to Compliance & UW Save cost (on controllable expenses) at Branches on Electricity, Stationery, Photocopying, Staff Welfare, Other Miscellaneous Expenses etc Execute Advisor Licensing process & extend Sales Support First time right application processing for New advisor and license renewal Support BM on Recruitment plan is executed properly and the candidates are nominated for Pre Licensed training Prepare & distribute sales management MIS including data maintenance from Receipt Writer and Sales Portal to the concerned. Coordinating for execution of reward & recognition programs for sales force through MIS & communications to branch sales force as required by the Branch Head. Assist Branch Head to follow up for New Business Application requirements with the sales force of the branch Control Pool laptops for agency managers Managing sales promotion material & activities at the branch level including stock management. Inventory Management of marketing collateral Assist HO in fraud and compliance investigation pertaining to FLS and advisors Assist Branch Head to follow up for New Agent licensing requirements at new business and renewal stage with the sales force of the branch Coordinate FLS coding and FLS tagging with HO Coordinate for advisor / FLS Reward and Recognitions and for domestic & overseas sales conference with HO Contact updation in BSLI online of Advisors and FLS Contactability enhancement at NB stage,post welcome call followed by CRT. Preparation of Various MIS related to BSLI Way and updation of Various Dash Boards. Coordination with various institutes, approved by Training Head, for the training of new Insurance Applicant. Re exam scheduling of failed candidates in coordination with BH/AMs Coordination with RHR for offer letter generation for FLS Arrangement of Various training programmes in Branches coordinating with Training manager and BM/BH. Downloading various process to Sales team during morning huddle (BSLI Way). Ensure timely opening and closing of office premises 5) Job Purpose of Direct Reports NA 6) Relationships (If Applicable) Internal Frequency Nature Zonal & Head Office Operations & Finance, HR, Infra and procurement, Admin , Sales, Legal and Compliance, IT Frequency: Regular Nature: To coordinate for all branch operational and accounting deliverables. External Frequency Nature Customers Vendors Banks Advisors Frequency: Transaction Based Transaction Based / Need based Need Based Regular Nature: To carry out receipting, service customer requests, respond to queries and complaints, convince for retention of business in case of surrender / withdrawal / freelook requests, upsell riders & top ups with visiting customers. Ensuring vendor deliver as per the SLA Deposits and follow ups on payment. Commission Pay Outs, Requirement follow up, process downloads, etc. Minimum Experience Level 2 - 4 years Job Qualifications Graduate

About Ethos Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health. We make getting life insurance easier, faster and better for everyone. Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families! About The Role We are seeking a passionate data scientist on our Risk Platform team. Your role will involve harnessing the power of data to optimize our risk assessment procedures, identifying actionable insights from countless data points, and ensuring our platform remains at the forefront of automated underwriting and fraud prevention. This position offers an opportunity to make a significant impact in a fast-growing startup and to introduce innovative solutions within the life insurance sector. Duties And Responsibilities Design, train, validate and deploy models to uncover hidden insights, optimize rule based systems Build predictive models for automated underwriting and fraud prevention Conduct thorough data analyses to identify patterns, trends and anomalies Collaborate closely with the data analytics team, engineer features, leverage domain knowledge, and partner with actuarial experts Work closely with product and engineering teams to embed machine learning models into production Regularly evaluate the performance of deployed models, ensuring they remain accurate and relevant Refine and recalibrate models based on changing data patterns and feedback loops Stay updated with the advancements in data science, risk modeling, AI, NLP Partner with leadership and product managers to shape the direction of our risk platform to provide data driven recommendations Clearly communicate intuition, concepts and potential impact to senior leadership Qualifications And Skills Master's or PhD in Computer Science, Data Science, or a related field 5+ years of hands-on experience in data science or machine learning. Bonus if this experience is in a medical or life insurance Deep understanding of various machine learning algorithms and NLP. Bonus if you have demonstrated expertise in deep learning Proven ability in designing, building and productionizing machine learning models in real world scenarios Strong expertise in Python and in machine learning libraries/frameworks such as TensorFlow, PyTorch, scikit-learn, pandas etc. Hands on experience with sagemaker and ability to independently deploy a model Exceptional ability to grasp domain specific nuances quickly. Bonus if there is demonstrated proficiency in applying machine learning to medical or life insurance domains Collaborative mindset, eagerness to learn and work with cross-functional teams Comfortable in a fast-paced startup environment Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace. We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records. To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice. Show more Show less

Location(s): Noida-Greater Noida Expressway, Sector - 129, Plot No. C3-C, Noida, Uttar Pradesh, IN Line Of Business: Insurance(INSURANCE) Job Category: ESG Analytics, Data & Research Experience Level: Experienced Hire At Moody's, we unite the brightest minds to turn today’s risks into tomorrow’s opportunities. We do this by striving to create an inclusive environment where everyone feels welcome to be who they are-with the freedom to exchange ideas, think innovatively, and listen to each other and customers in meaningful ways. If you are excited about this opportunity but do not meet every single requirement, please apply! You still may be a great fit for this role or other open roles. We are seeking candidates who model our values: invest in every relationship, lead with curiosity, champion diverse perspectives, turn inputs into actions, and uphold trust through integrity. Skills and Competencies: Must have 3-6 years’ experience in risk/ business/ data analytics for P&C insurance, reinsurance, or insurance linked securities. Strong analytical and problem-solving abilities. Experience in mathematical or statistical application for R&D, model development or solution design. Hands-on experience with catastrophe risk models will be an added advantage. Strong database and data mining skills - working knowledge of Excel, Access, and SQL; VBA or VB.Net is an added advantage. Excellent written and verbal communication. Desirable - Knowledge of Python and R languages Education B.E / B. Tech (preferably Civil/Mechanical Engineering) from IIT/NIT or other reputed universities OR MBA Finance/Insurance/Operations Research or master’s in mathematics/ Statistics/Operations Research/Economics from top-tier universities. Responsibilities As a Sr Risk Consulting Associate, you will be responsible for the quantification of catastrophe risk using a variety of databases and RMS models for a client portfolio. The person will be required to understand client requirements for exposure and loss analytics, configure an analytical solution, and report/ present results from the analysis to underwriting and catastrophe modeling teams at insurance/ reinsurance companies. Key Accountabilities & Deliverables Provide high quality analysis of exposures and losses to enable business decisions at the client-end. Understand the in-depth working of RMS models including database schema to conduct the appropriate analysis. On hands experience in end-to-end account modelling and Portfolio/ Cedant analysis including exposure preparation and enrichment. Assess the quality of input data and be able to highlight potential improvements. Generate relevant insights from modeled results for an analytically sophisticated stakeholder group. Support the client in understanding the analysis output and proving value-added observations and comparison summary. Independently lead projects in terms of project delivery, value-addition, process optimization and client communication Document all aspects of a project, particularly focusing on the rationale for decisions and exceptions. Drive process improvements which increase utility or efficiency of analysis. Mentor and train new risk analysts including performing need-based quality assurance of their work Interface with RMS client development and other technical teams on client engagements. About the team Our Analytical Services team provides clients with advanced catastrophe insights and deliverables, leveraging Moody’s RMS models and programming tools. Our department Analytical service aligns with Moody’s Insurance segment object to grow by providing high quality deliverables and insights to the clients. By joining our team, you will be part of exciting work in Insurance domain specifically to the catastrophe modeling located in Noida, India. Moody’s is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, sexual orientation, gender expression, gender identity or any other characteristic protected by law. Candidates for Moody's Corporation may be asked to disclose securities holdings pursuant to Moody’s Policy for Securities Trading and the requirements of the position. Employment is contingent upon compliance with the Policy, including remediation of positions in those holdings as necessary.

Job Description Accountable for delivering the quality and performance of large-scale, multi-platform software products that include web, API and mobile application interfaces. Focus on contributing to the development of automated Functional Integration tests and end-to-end tests through open-source test frameworks for overall system testing within an Agile environment. Responsibilities Developing and implementing software testing strategies, plans, and procedures. Writing and executing manual test cases, automated scripts, and scenarios for web and api Identifying and reporting defects and issues to the development team and tracking them through to resolution. Collaborating with cross-functional teams to ensure that applications and products meet functional and non-functional requirements. Participating in agile meetings and requirements review meetings to ensure that quality is built into the product from the start. Maintaining test environments, test data, and testing tools. Analyzing test results and providing meaningful feedback to stakeholders. Developing and maintaining automated test suites and test scripts. Conducting performance, load, and stress testing. Qualifications Bachelors in computer science, or related field or equivalent experience 5+ years of proven experience in the software development industry, participating in team environment 4+ years of experience in automation tools such as Selenium WebDriver using programming languages like python, C #, Java 3+ years of proven experience in testing and automating web services such as RESTful API. Proven experience in performance testing using tools such as Apache JMeter. Web-application mobile testing automation experience with Appium Experience with programming languages such as Java, C# .Net. Experience with testing SaaS products. Experience with monitoring and SRE practices. Experience in CI/CD technologies (e.g., bamboo, bitbucket, octopus, Maven etc.). Knowledge or experience of other languages/tools - AngularJS, Protractor, Jasmine, JavaScript, RestAssured. Knowledge of professional software engineering practices & best practices for the full software development life cycle, including coding standards, code reviews, source control management, build processes, testing, automation, and operations Knowledge or experience in AWS Cloud Demonstrated excellent communication skills. Ability to learn and adapt to continuously changing technology. Familiarity with Atlassian Jira and Confluence. Familiarity with Agile [Scrum] Familiarity with working in a Continuous Integration atmosphere 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

Date live: 06/04/2025 Business Area: Risk Area of Expertise: Risk and Quantitative Analytics Contract: Permanent Reference Code: JR-0000049830 In Risk Barclays develops, recommends, and implements controls and cost-effective approaches to minimise Barclay's risks, identifies and analyses potential sources of loss to minimise risk and estimate the potential financial consequences of an occurring loss. See your commute 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 e.g. 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 well as job-specific technical skills. This role will be based out of Noida. Purpose of the role To manage and optimise the bank's 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 portfolio's 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 well 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. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship – our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset – to Empower, Challenge and Drive – the operating manual for how we behave. (Opens in new tab or window) (Opens in new tab or window) (Opens in new tab or window) Reasonable adjustment Our purpose Equal opportunities Right to work statement Learn more about Barclays locations Across our campuses, we offer modern workspaces, collaborative areas, and state-of-the-art meeting rooms. Facilities include wellness rooms, on-site cafeterias, fitness centers, and tech-equipped workstations. Designed for innovation and comfort, they support a dynamic and productive work environment. Health and wellness A place where you can belong Collaborative Areas More than work Be you. Be valued. Belong. We celebrate the unique perspectives and experiences each individual brings, believing our differences make us stronger and drive success. You can learn more about our commitment to our colleague on our Inclusion and Opportunities page. Learn more Application Process Your application We’ll ask for information about you, your CV and cover letter. 1 Your assessment Covering your behaviours and ability at work. 2 Your interview Exploring your past experiences and skills. 3 Next step We’ll request additional information so that you can complete our screening process 4 Working flexibly We’re committed to providing a supportive and inclusive culture and environment for you to work in. This environment recognises and supports your personal needs, alongside the professional needs of our business. If you'd like to explore flexible working arrangements, please discuss this with the hiring manager. Your request will be reviewed in-line with the requirements of the role/business needs of the team. Hybrid working We have a structured approach to hybrid working, where colleagues work at an onsite location on fixed, ‘anchor’, days, as set by the business area. Please discuss the working pattern requirements for the role you are applying for with the hiring manager. Please note that working arrangements may be subject to change on reasonable notice to ensure we meet the needs of our business. Barclays is built on an international scale. Our geographic reach, our wide variety of functions, businesses, roles and locations reflect the rich diversity of our worldwide customer base. All of which means we offer incredible variety, depth and breadth of experience. And the chance to learn from a globally diverse mix of colleagues, including some of the very best minds in banking, finance, technology and business. Throughout, we’ll encourage you to embrace mobility, exploring every part of our operations as you build your career.

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.

Software Engineering Associate Director - HIH - Evernorth. About Evernorth Evernorth Health Services, a division of The Cigna Group (NYSE: CI), creates pharmacy, care, and benefits solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention, and treatment of illness and disease more accessible to millions of people. Position Summary: The Software Development Associate Director provides hands on leadership, management, and thought leadership for a Delivery organization enabling Cigna's Technology teams. This individual will lead a team based in our Hyderabad Innovation Hub to deliver innovative solutions supporting multiple business and technology domains within Cigna. This includes the Sales & Underwriting, Producer, Service Operations, and Pharmacy business lines, as well as testing and DevOps enablement. The focus of the team is to build innovative go-to-market solutions enabling business while modernizing our existing asset base to support business growth. The Technology strategy is aligned to our business strategy and the candidate will not only be able to influence technology direction but also establishing our team through recruiting and mentoring employees and vendor resources. This is a hands-on position with visibility to the highest levels of the Cigna Technology team. This leader will focus on enabling innovation using the latest technologies and development techniques. This role will foster rapidly building out a scalable delivery organization that aligns with all areas within the Technology team. The ideal candidate will be able to attract and develop talent in a highly dynamic environment. Job Description & Responsibilities: Provide leadership, vision, and design direction for the quality and development of the US Medical and Health Services Technology teams based at the Hyderabad Innovation Hub (HIH). Work in close coordination with leaders and teams based in the United States, as well as contractors employed by the US Medical and Health Services Technology team who are based both within and outside of the United States, to deliver products and capabilities in support of Cigna's business lines. Provide leadership to HIH leaders and teams ensuring the team is meeting the following objectives: Design, configuration, implementation application design/development, and quality engineering within the supported technologies and products. Hands-on people manager who has experience leading agile teams of highly talented technology professionals developing large solutions and internal facing applications. They are expected to work closely with developers, quality engineers, technical project managers, principal engineers, and business stakeholders to ensure that application solutions meet business/customer requirements. A servant leader mentality and a history of creating an inclusive environment, fostering diverse views and approaches from the team, and coaching and mentoring them to thrive in a dynamic workplace. A history of embracing and incubating emerging technology and open-source products. A passion for building highly resilient, scalable, and available platforms, rich reusable foundational capabilities and seamless developer experience while focusing on strategic vision and technology roadmap delivery in an MVP / iterative fast paced approach. Accountable for driving towards timely decisions while influencing across engineering and development delivery teams to drive towards meeting project timelines while balancing destination state. Ensure engineering solutions align with the Technology strategy and that they support the application’s requirements. Plan and implement procedures that will maximize engineering and operating efficiency for application integration technologies. Identify and drive process improvement opportunities. Proactive monitoring and management design of supported assets assuring performance, availability, security, and capacity. Maximize the efficiency (operational, performance, and cost) of the application assets. Experience Required: 17 to 19 years of IT and business/industry or equivalent experience preferred, with at least 5 years of experience in a leadership role with responsibility for the delivery of large-scale projects and programs. Leadership, cross-cultural communication, and familiarity with wide range of technologies and stakeholders. Strong Emotional Intelligence with the ability to foster collaboration across geographically dispersed teams. Experience Desired: Recognized leader with proven track record of delivering software engineering initiatives and cross-IT/business initiatives. Proven experience leading/managing technical teams with a passion for developing talent within the team. Experience with vendor management in an onshore/offshore model. Experience in Healthcare, Pharmacy and/or Underwriting systems. Experience with AWS. Education and Training Required: B.S. degree in Computer Science, Information Systems, or other related degrees; Industry certifications such as AWS Solution Architect, PMP, Scrum Master, or Six Sigma Green Belt are also ideal. Primary Skills: Familiarity with most of the following Application Development technologies: Python, RESTful services, React, Angular, Postgres, and MySQL (relational database management systems). Familiarity with most of the following Data Engineering technologies: Databricks, Spark, PySpark, SQL, Teradata, and multi-cloud environments. Familiarity with most of the following Cloud and Emerging technologies: AWS, LLMs (OpenAI, Anthropic), vector databases (Pinecone, Milvus), graph databases (Neo4j, JanusGraph, Neptune), prompt engineering, and fine-tuning AI models. Familiarity with enterprise software development lifecycle to include production reviews and ticket resolution, navigating freeze/stability periods effectively, total cost of ownership reporting, and updating applications to align with evolving security and cloud standards. Familiarity with agile methodology including SCRUM team leadership or Scaled Agile (SAFE). Familiarity with modern delivery practices such as continuous integration, behavior/test driven development, and specification by example. Deep people and matrix management skills, with a heavy emphasis on coaching and mentoring of less senior staff, and a strong ability to influence VP level leaders. Proven ability to resolve issues and mitigate risks that could undermine the delivery of critical initiatives. Strong written and verbal communication skills with the ability to interact with all levels of the organization. Strong influencing/negotiation skills. Strong interpersonal/relationship management skills. Strong time and project management skills. About Evernorth Health Services Evernorth Health Services, a division of The Cigna Group, creates pharmacy, care and benefit solutions to improve health and increase vitality. We relentlessly innovate to make the prediction, prevention and treatment of illness and disease more accessible to millions of people. Join us in driving growth and improving lives.

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