5764 Underwriting Jobs - Page 41

You will be responsible for managing the corporate month-end close process, which includes reviewing journal entries, account reconciliations, flux analysis, and consolidated financial statements. Additionally, you will prepare the annual statutory financial accounts in accordance with IFRS. Your role will involve owning and managing the global consolidation and reporting processes, including accounting for the impact of foreign exchange rates and eliminating intercompany balances and investments in subsidiaries. Collaboration with cross-functional teams to understand transaction processes for accurate accounting treatment is essential. You will assist in developing scalable processes for a timely and accurate financial close process. Monitoring and updating intercompany methodology, streamlining month-end close processes, and identifying areas for improvement in internal processes and controls to enhance consolidation, intercompany, and expense allocation processes for SOX compliance are key components of the role. Your duties will also include supporting automation initiatives for intercompany processes and other corporate accounting activities. Providing leadership, mentorship, and guidance to the team to promote professional development is an important aspect of this position. Assisting with internal and external audits to ensure compliance and undertaking ad hoc projects as required are also part of your responsibilities. Preferred technical skills for this role include having experience in working with the Insurance and FinTech industries, understanding complex Excel formulas and financial data modeling, and knowledge of US GAAP/IFRS.,

As a Mortgage Underwriter at our organization, you will be responsible for managing the mortgage portfolio in the assigned branch/location. Your primary duties will include reviewing and assessing a variety of complex loan applications, underwriting proposals according to established policies, conducting personal discussions with customers to determine creditworthiness, and maintaining various reports related to the portfolio. You will need to possess a deep understanding of income to obligation ratios, loan to value ratios, and the factors affecting loan performance over extended periods. Furthermore, you will be expected to collaborate with third parties to provide the best possible outcomes for clients, address client queries, and continuously strive for process improvement. Additionally, you will play a crucial role in the credit underwriting function of your branch, ensuring quick turnaround times for credit lending proposals related to mortgage business. It will be essential for you to conduct critical reviews of credit proposals, facilitate risk mitigation strategies, and monitor the creditworthiness of clients and collateral throughout the lending process. To excel in this role, you should hold a Graduate or Masters/Post Graduate degree, with certifications such as CA or MBA being preferable. Your ability to manage credit underwriting effectively, maintain high service quality standards, and contribute to the overall success of the mortgage business will be key to your success in this position.,

Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risk’s 1,500+ team members make us one of the largest mortgage outsource providers in the U.S., supplying appraisal and mortgage processing, underwriting and closing to the largest banks and loan originators. Position Overview The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills. Essential Job Functions  Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral  Utilize client’s loan operating system to ensure accurate data entry  Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines  Evaluate and ensure overall loan documents are accurate, complete, and compliant  Ability to identify and/or clear red flag or s  Issue loan decision and condition file accordingly  Review and approve conditions for compliance and completion of loan file  Provide excellent customer service to internal and external clients  Maintain current knowledge of client and investor requirements  Resolve pre and post-closing issues as they relate to underwriting  Assist Processors/Loan Officers in understanding underwriting decisions and conditions  Must be able to work in a high stress environment while delivering a high-level of customer service  Ability to work more than 40 hours, on an as needed basis Requirements  Minimum 2+ years current conventional mortgage loan underwriting experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags Basic knowledge of appraisal and ability to recognize red flags and ineligible properties  Thorough working knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP)  Strong analytic, interpersonal, and verbal and written communication skills  Detail-oriented with strong ability to time manage  Ability to work in a flexible and production-oriented environment  Must be willing and able to work as part of a team  Strong capability to work in multiple systems - paperless environment  Must be willing to work in strict security environment  NMLS-MLO Licensure preferred  Candidates must be available to work outside of normal business hours when necessary

AM Business planning Job Summary Identify business drivers to be tracked for data analytics and provide management support and decision making through early warning signals/lead indicators Key Responsibilities/ Key Deliverables Business Planning Support formulation of business strategy, including analysis of internal and market trends Comprehensive & timely business planning on sales and expenses in discussion with Business and relevant functional stakeholders Periodic Sales updates / forecasts to assess deviations from plan and suggest course correction as required Performance Management Enablement and Analytics Supporting in conceptualize and design sales force Compensation and Reward schemes based on available budgets to maximize sales Adherence to budgets and efficacy assessment of compensation schemes to take course correction if needed. Identify business drivers to be tracked for data analytics and provide management support and decision making through early warning signals/lead indicators. Validate strategic initiatives of the channel to establish operational feasibility and benefits vs. cost and drive agreed initiatives closely with the channel heads . Measures of Success Timely submission of business plans and accuracy of short and long term forecasts, robustness of assumptions Positive feedback from the field on the construct of the schemes Key Relationships (Internal / External) AVP BP& A/ HOA/ Channel Heads/ CDO / CFO of the organization Business head of the respective sales channel and regional teams Front line sales (Agents/Employees) Functional teams (Operations, Finance, Underwriting, Products, Marketing, BPMA, Sales promotion, Facilities) Desired qualification and experience Job Specifications Post Graduate in management with at least 4-6 years of experience across functional areas like finance, operations, analytics KEY COMPETENCIES/SKILLS REQUIRED Good analytical skills with a good feel for numbers Sharp prioritization and delegation while working with multiple teams and priorities Managing intersections and cross functional relationships, influencing and persuasion capability. About Axis Max Life Insurance Axis Max Life Insurance Limited, formerly known as Max Life Insurance Company Ltd., is a Joint Venture between Max Financial Services Limited ( MFSL ) and Axis Bank Limited. Axis Max Life Insurance offers comprehensive protection and long-term savings life insurance solutions through its multi-channel distribution, including agency and third-party distribution partners. It has built its operations over two decades through a need-based sales process, a customer-centric approach to engagement and service delivery and trained human capital. As per the annual audited financials for FY2023-24, Axis Max Life Insurance has achieved a gross written premium of INR 29,529 Cr. For more information, please visit the company website at www.maxlifeinsurance.com. #ComeAsYouAre LGBTQIA+ and PwD candidates of all ages are encouraged to apply

Risk Assessment and Underwriting Review technical proposals received from various retail and corporate customers so as to ensure risk undertaken is as per guidelines. Evaluate proposal thoroughly considering past claims/cases and assess conformance with the set underwriting guidelines; seek more information on proposals, customers, if required. Conduct 360 degree review of risks along with any associated loss ratio; set standard terms and conditions for the proposal Arrive at the quotes; discuss the same with the superior, if required; provide clarifications to the customer / relationship manager / intermediary , if required Scrutinize the proposals received and assess adherence to the norms, guidelines and if the premium considered is correct and accounts for associated risk; share the information with the National Head, if there is a deviation Review and revise Underwriting guidelines and SOPs, on an annual basis. 2. Premium Growth and Audits Visit the locations and meet major IMDs; understand problem areas and issues / concerns Provide guidance, if required and resolve any issues / concerns from IMDs Clarify organization guidelines, premium calculation and probable risks which should be accounted for when arriving at the premium rates for policy issuances; share business understanding, past cases and spread awareness within the team on risk assessment and mitigation Conduct sample audits across the zones to check for non-adherence to company guidelines; seek clarifications from the team and draft the report; share the report with the National Head Face internal and external (IRDA) audit while ensuring all audit requirements are fulfilled in a timely and effective manner. Take corrective actions in collaboration with NHOD as per audit findings. 3. Projects / Special Initiatives Take up special projects / initiatives to strengthen the organizational processes, systems and governance systems. Collaborate with different teams to provide them the perspective from the technical (underwriting) perspective including challenges faced real-time with agents / IMDs; provide inputs on improving functionality as well reduce workload in repetitive tasks Collaborate with Product Development Team for new product filing and revisions in existing products for the LOB. Work with teams to ensure all underwriting guidelines / norms / calculators are properly built-in; conduct simulations across test cases and ensure that everything is in line with the set expectations Present the new (or modified) functionality to the relevant stakeholders; seek feedback and incorporate the same to strengthen the system for users Drive implementation or launch of the new functionality (or modified) / system and ensure a streamlined deployment; provide training to underwriting teams / IMDs on utilizing the same to deliver business for the organization 4. Product Training Drive implementation of various training efforts in case of new / existing product launch in terms of premium calculation; product nuances, etc. ; clarify doubts and resolve concerns, if any Assess areas of improvement amongst the IMDs and provide effective training to them; address development issues / concerns and enable them to drive sales for the organization in an effective manner Training Content Development for various training programs to be conducted internally and externally. 5. Data Analysis Analyze the growth achieved across zones and whether the loss ratio is controlled across zones Identify areas requiring special attention Chart out insights from the data Share the analysis report with the National Head and other relevant stakeholders regularly 6. Reinsurance and Co-insurance for Liability LOB Arrange Facultative Reinsurance to maximize the business while ensuring effective risk transfer. Also, ensure complete, compliant & timely risk placements through RI brokers and Reinsurers. Ensure timely Reinsurance Bordereau submission, so as to be compliant with Treaty Guidelines. Maintain Single Risk Report as per guidelines stated by the Treaty Leader ( compliance ). 7. Claims Review Prepare reports for specific complex claims so as to enable Claims to take the right decision wrt Claims Payment.

Job Purpose The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure efficient and effective risk management operations Job Context & Major Challenges Organizational Context Key Aspects: Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans ABHFL operates in the Rs. 11. 4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015 The nature of the HFC business (dealing largely with retail customers in the potentially sensitive area of housing/ mortgages), along with the additional regulatory and control mechanisms imposed as a result, means it is imperative that all functions and processes align and comply with sound risk management guidelines and applicable regulations/ controls proactively and judiciously. This is vital for managing risk and protecting interests of both the business as well as the customer Job Context Key Aspects: The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health Key Challenges While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i. e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and implementing control mechanisms, and evaluating business proposals ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability The housing space is characterized by state-wise norms and business practices, as well as varied interpretations of regulatory guidelines by different stakeholders. It is therefore essential for Risk function team members to remain up to date on business practices/ norms in their respective states/ locations and work within regulatory guidelines in a manner that minimizes business risk and also supports growth objectives Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include business and commercial acumen, analytical skills, interpersonal and presentation skills, and execution capabilities Education & experience required to fulfil this profile are a CA/ MBA Finance with minimum 0 3 yrs of experience in a bank/ NBFC/ HFC Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Underwriting and Portfolio Quality Management Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases Liaise with relevant ABFL Risk team members for clarifications on Legal-Technical evaluations, as required KRA2 Process Efficiency Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs escalate to RCM as required KRA3 Risk Compliance & Control Ensure compliance with established risk management principles and norms compile periodic and need based MIS, reports, escalation case documents, etc. Conduct local risk operations in line with defined Maker Checker mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc. KRA4 Collection Efficiency Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance

Business strategy and planning Understanding the market within the region to identify potential partners and creating new business opportunities by pitching and liaising with them. Monitoring loss ratios and recommending counter measures for profitable growth. Supporting the team by providing inputs and monitoring team productivity on a regular basis to ensure maximum revenue from targeted partners Analyzing trends and identifying loss making areas to devise a plan of action for conscious reduction in business and recommend closure in those areas. Monitoring Direct/ Indirect expenses such as commissions, incentive parameters, administrative expenses, and applying control measures to curb them. 2. Relationship management Managing relationship with existing partners and building tie-ups with new partners to increase opportunities to generate business and expand the intermediary network Tapping into the existing network of intermediaries to generate maximum business within the region Engaging with the key accounts team for support in managing and servicing the tie-up partners effectively Engaging with the cross functional teams such as Underwriting, Operations and Finance to ensure seamless execution of work. 3. Regional review Monitoring the key metrics to evaluate performance of the team and conduct regular reviews against defined metrics Engaging with team to discuss issues/ challenges faced and provide solutions to address/ resolve them Conducting periodic reviews with partners to drive business numbers and address any concerns which may be hampering business. Identify system/ process improvement required to support team in smooth delivery of their responsibilities Continuously interact with the underwriting team especially for review of proposals/ risk assessment of tie-ups

About Role: As Manager you are leading team of key contributors to gain insights from client data and uphold our data quality standards. Collaborate beyond Operations, e.g. with Market Units, Valuation, Finance, Experience Studies, Portfolio management and Data Management & Insights (DMI). Strategies and conduct Client reviews, provide information to the rest of Value chain about early trends, anomalies or any other portfolio/market developments. Leadership and motivation of supervised team, with overall accountability for: Financial Monitoring, Operations Insights, Executing Data Quality framework, Deal coordination and Client review service Monitor & ensure compliance with local & regional audits and governance frameworks. Develop people and talents (people management) Ensure professional communication with clients/stakeholders/rest of the Value chain and ensure professional service provision Monitor Transactional quality and execute Client data quality framework collaborating with stakeholders across Life &Health value chain Continuously improving processes and quality of provided service Strategic thinking with ability to analyse organizations competitive position by considering market and industry trends, existing and potential customers (internal and external), and strengths and weaknesses in comparison with competitors. Lead Financial Monitoring activities as Line manager of the team. As a trend spotter, highlights meaning full insights for ops actions for key L&H portfolios in the region and provide early warning to business-related impact areas. Support portfolio related queries in Sub-MU across the region, Contribute / lead initiatives and projects across the L&H Operations Business Unit. Define & deliver operational insights framework in alignment with Business architecture, based on XFT needs. Understand terms of contractual agreement as signed between Swiss Re and the client, guide operations teams & stake holders on data validation with due diligence. This includes validations pertaining to Premiums, Claims & Underwriting clauses, early portfolio warnings and Client review services. Support onboarding of new deals/complex treaties (Deal Coordination service) and provide inputs to OPS teams, Valuation teams and ready for modelling across the region. Steer analysis on client data and drive Client review service with client Collaboration: Create strong connections with TA ops, Client Review Service, Deal Coordination service, Relationship Managers and Business architecture team. Explore and Realize automation and simplification opportunities within Operations, Leverage expertise in technology aligned to L&H data strategy. Ensure adherence to regional/local regulatory requirements Data Protection aspects across the markets. Ensure adherence to procedures and guidelines to fulfil Risk Management, Governance and Data Quality requirements as defined in the Risk & Control and Compliance Frameworks and coordinate with Business Architecture teams Drive Operational Excellence & Efficiency through continuous process improvements. Proven ability to lead through changing market conditions, which may have an operational impact on team. Engage with relevant partners/cross functional team and ensure process maintenance and improvement About Team: L&H operations insights team is part of L&H Operations. The team consistently demonstrates agility and client centric behavior, handle financial monitoring, ensures key financial controls are met, TA End to End quality assurance to mitigate/control risks, monitor the performance of key portfolios, involved in Data handling and manipulation to provide business insights considering the increasing complexity and demands of the growing markets and L&H Inforce book. Providing insights and reporting for Regulators & Risk Management, monitoring Operations signal for Portfolio health dashboard-Smart circle, Provide KPI inputs for Operational & Business review meetings with senior management and Market Units. Client review Service and Deal Coordination role forms part of the TA Ops Insight team and this is a broader role to be managed by Ops Insight manager. About You: Ideally 3+ years of experience within a managerial position, leading a team in shared services or financial services (e.g. banking, insurance) preferably in an international environment Ability to develop and lead a team 7+ years overall Insurance/Reinsurance domain experience. Strong technical knowledge of Life and Health Insurance/Reinsurance concepts with good E2E Value Chain understanding Strong Analytical skills (flair for figures)- preferable expertise in Advanced Excel, SAS/SQL, Machine Learning/Artificial Intelligence skill set (Python knowledge would be an added advantage) Effective interpersonal and communication (written and verbal) skills enabling them to drive result-oriented outcomes in line with Risk management practices. Ability to challenge the status quo & manage multiple stakeholders (multi-cultural and cross functional teams in a virtual set-up) Understanding business rationale which enables business decisions to create a positive impact for clients. Being An agile Ambassador with the ability to manage own workload and demonstrates a sense of Accountable, Responsible and Commitment Bachelor/masters in finance or accounting, Insurance/Finance (IFRS 17 know-how) related certifications preferred. Ability to coach/mentor team members and effectively lead & manage any initiatives assigned. About Swiss Re Swiss Re is one of the world s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property & Casualty and Life & Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world. If you are an experienced professional returning to the workforce after a career break, we encourage you to apply for open positions that match your skills and experience. Keywords: Reference Code: 134756

GyanDhan is hiring Credit Manager Location: Delhi - Saket Product: Study Abroad Education Loan Key Responsibilities Conduct thorough analysis of education loan applications, as per defined policy Provide recommendations tied to analysis and assessment of credit risk Keep up to date with the companys lending protocols and policies Reconcile credit files and identify discrepancies and variances Develop and prepare spreadsheets and models to support analysis of new and existing credit applications Relevant Skills, Knowledge and Experience 3 - 5 Years credit underwriting experience in education loan is a MUST Strong attention to detail and ability to notice discrepancies in data Impeccable understanding of credit report analysis, bank statement analysis, financial statements etc.

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Dibrugarh, Guwahati, Tinsukia

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Kolkata, Durgapur, Maldah, Siliguri

Job Description Objectives of this role Stakeholder Engagement: Foster strong relationships with stakeholders to understand their needs and align business objectives with technology solutions. Requirements Gathering: Lead the requirements gathering process to identify business needs and document functional and non-functional requirements accurately. Data Analysis and Reporting: Utilize data analysis tools to generate insights that inform business decisions and track project performance metrics. Process Improvement: Identify opportunities for process optimization and recommend solutions to enhance operational efficiency and effectiveness. Documentation Standards: Establish and maintain documentation standards to ensure clarity and consistency in project deliverables Change Management: Assist in change management initiatives to ensure smooth transitions for stakeholders and users when implementing new systems or processes. Responsibilities Requirements Elicitation: Engage with stakeholders to gather and document detailed business requirements, ensuring a clear understanding of their needs. Data Analysis: Analyse data trends and metrics to provide insights that inform business strategies and decision-making. Process Mapping: Create and analyse process maps to identify inefficiencies and areas for improvement, recommending solutions to optimize workflows. Project Leadership: Lead cross-functional teams in project initiatives, ensuring alignment between business objectives and technical implementation. Documentation: Develop and maintain comprehensive documentation, including business requirements documents, use cases, process flows, and user manuals. Stakeholder Communication: Act as a liaison between business stakeholders and technical teams, facilitating clear communication and understanding of project goals. Testing and Validation: Oversee the testing process to ensure that solutions meet business requirements, including user acceptance testing (UAT) and validation of deliverables. Change Management: Support change management efforts by preparing stakeholders for new systems and processes, providing training, and addressing any concerns. Strategic Planning: Contribute to strategic planning sessions, providing insights and recommendations based on data analysis and market trends. Risk Management: Identify potential risks associated with projects and propose mitigation strategies to ensure successful outcomes. Qualifications Educational Background Bachelor’s Degree: Typically, in Business Administration, Finance, Information Technology, or a related field. Master’s Degree (Optional): An MBA or relevant master’s degree can be advantageous. Professional Experience Usually, 3+ years in business analysis in Life Insurance implementations, with demonstrated experience in leading projects. Industry Knowledge: Familiarity with the specific industry (e.g., finance, healthcare, technology) relevant to the role. Technical Skills Data Analysis Tools: Proficiency in tools such as Excel, SQL, or data visualization software (optional) (e.g., Tableau, Power BI). Requirements Management Tools: Experience with tools like JIRA, Confluence, or similar platforms for tracking requirements and project management. Process Mapping: Knowledge of process modeling techniques and tools (e.g., BPMN, Visio). Certifications (Optional but Beneficial) Soft Skills Communication Skills: Excellent verbal and written communication skills to convey complex information clearly to various stakeholders. Problem-Solving: Strong analytical and critical thinking abilities to identify issues and propose effective solutions. Leadership: Ability to lead teams and influence stakeholders effectively. Interpersonal Skills: Strong relationship-building skills to foster collaboration across departments. 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

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Ranchi, Dhanbad, Jamshedpur

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Faridabad, Ambala, Manesar, Karnal, Rohtak

About Chubb Chubb is a world leader in insurance. With operations in 54 countries and territories, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance and life insurance to a diverse group of clients. The company is defined by its extensive product and service offerings, broad distribution capabilities, exceptional financial strength and local operations globally. Parent company Chubb Limited is listed on the New York Stock Exchange (NYSE: CB) and is a component of the S&P 500 index. Chubb employs approximately 40,000 people worldwide. Additional information can be found at: www.chubb.com . About Chubb India At Chubb India, we are on an exciting journey of digital transformation driven by a commitment to engineering excellence and analytics. We are proud to share that we have been officially certified as a Great Place to Work® for the third consecutive year, a reflection of the culture at Chubb where we believe in fostering an environment where everyone can thrive, innovate, and grow With a team of over 2500 talented professionals, we encourage a start-up mindset that promotes collaboration, diverse perspectives, and a solution-driven attitude. We are dedicated to building expertise in engineering, analytics, and automation, empowering our teams to excel in a dynamic digital landscape. We offer an environment where you will be part of an organization that is dedicated to solving real-world challenges in the insurance industry. Together, we will work to shape the future through innovation and continuous learning. Position Details Key Responsibilities: Develop and maintain automated test scripts using Java and Selenium WebDriver. Collaborate with cross-functional teams to understand product requirements and design comprehensive test strategies. Execute automated test cases, analyze results, and report defects to the development team. Enhance and maintain the existing automation framework to improve test coverage and efficiency. Participate in code reviews and provide feedback to improve the quality of the test code. Work with the QA team to integrate automated testing into the continuous integration/continuous deployment (CI/CD) pipeline. Identify, document, and track software defects and inconsistencies. Stay up-to-date with the latest industry trends and technologies in test automation. Qualifications: Bachelor’s degree in Computer Science, Information Technology, or a related field. Proven experience in automation testing with Java and Selenium. Strong understanding of software testing methodologies and best practices. Experience with test automation frameworks such as TestNG or JUnit. Familiarity with version control systems like Git. Experience with CI/CD tools such as Jenkins or Bamboo is a plus. Excellent problem-solving skills and attention to detail. Strong communication and collaboration skills. Chubb is the world’s largest publicly traded property and casualty insurer. With operations in 54 countries, Chubb provides commercial and personal property and casualty insurance, personal accident and supplemental health insurance, reinsurance, and life insurance to a diverse group of clients. Chubb offers a competitive compensation package and comprehensive benefits package including life, health and dental, vision, a generous retirement savings plan, disability coverage, stock purchase plan, flexible spending accounts, tuition reimbursement, and business casual dress. At Chubb, we are committed to equal employment opportunity and compliance with all laws and regulations pertaining to it. Our policy is to provide employment, training, compensation, promotion, and other conditions or opportunities of employment, without regard to race, colour, religion, age, sex, sexual orientation, transgender, national origin, disability, genetic information, veteran, or marital status, or any other characteristic protected by law. For additional information about Chubb or its services, please visit our website . Why Chubb? Join Chubb to be part of a leading global insurance company! Our constant focus on employee experience along with a start-up-like culture empowers you to achieve impactful results. Industry leader: Chubb is a world leader in the insurance industry, powered by underwriting and engineering excellence A Great Place to work: Chubb India has been recognized as a Great Place to Work® for the years 2023-2024, 2024-2025 and 2025-2026 Laser focus on excellence: At Chubb we pride ourselves on our culture of greatness where excellence is a mindset and a way of being. We constantly seek new and innovative ways to excel at work and deliver outstanding results Start-Up Culture: Embracing the spirit of a start-up, our focus on speed and agility enables us to respond swiftly to market requirements, while a culture of ownership empowers employees to drive results that matter Growth and success: As we continue to grow, we are steadfast in our commitment to provide our employees with the best work experience, enabling them to advance their careers in a conducive environment Employee Benefits Our company offers a comprehensive benefits package designed to support our employees’ health, well-being, and professional growth. Employees enjoy flexible work options, generous paid time off, and robust health coverage, including treatment for dental and vision related requirements. We invest in the future of our employees through continuous learning opportunities and career advancement programs, while fostering a supportive and inclusive work environment. Our benefits include: Savings and Investment plans: We provide specialized benefits like Corporate NPS (National Pension Scheme), Employee Stock Purchase Plan (ESPP), Long-Term Incentive Plan (LTIP), Retiral Benefits and Car Lease that help employees optimally plan their finances Upskilling and career growth opportunities: With a focus on continuous learning, we offer customized programs that support upskilling like Education Reimbursement Programs, Certification programs and access to global learning programs. Health and Welfare Benefits: We care about our employees’ well-being in and out of work and have benefits like Employee Assistance Program (EAP), Yearly Free Health campaigns and comprehensive Insurance benefits. Application Process Our recruitment process is designed to be transparent, and inclusive. Step 1: Submit your application via the Chubb Careers Portal. Step 2: Engage with our recruitment team for an initial discussion. Step 3: Participate in HackerRank assessments/technical/functional interviews and assessments (if applicable). Step 4: Final interaction with Chubb leadership. Join Us With you Chubb is better. Whether you are solving challenges on a global stage or creating innovative solutions for local markets, your contributions will help shape the future. If you value integrity, innovation, and inclusion, and are ready to make a difference, we invite you to be part of Chubb India’s journey. Apply Now: Chubb External Careers TBD

Company Description Oxyzo Financial Services deeply understands the business needs of SMEs and aims to transform them into large enterprises by offering customized credit solutions. These solutions help SMEs expand operations, increase revenue, and improve profit margins. Known for low-interest rates, collateral-free credit options, and rapid loan processing, Oxyzo is a leading lending option for SMEs in India. Serving thousands of SMEs, Oxyzo disburses over 4000 crores annually and has 9000+ crores in assets under management (AUM). Role Description This is a full-time, on-site role for a Sr. Credit Manager - SME at Oxyzo Financial Services, located in Chennai. The Sr. Credit Manager will be responsible for evaluating and managing the creditworthiness of SME clients, assessing credit risk, and making recommendations for credit approvals. The role includes examining financial statements, conducting credit analyses, and ensuring compliance with credit policies and procedures. Underwriting / Appraisal of credit proposals in line with the policy laid down by TATs. Analyzing the Financial statements, Cash flow / Bank statements, and Ratio analysis for assessment of working capital/ Term Loan/other funding requirements of the SME. Key Responsibilities: Perform Financial Analysis: assess balance sheets, profitability, and net worth. Conduct Banking and Statutory Analysis: evaluate bank statements, EMI patterns, tax filings, and GST compliance. Recommend loan decisions (Approve/Reject) as per credit policy. Collaborate with Sales and Operations Teams to support disbursements and business targets. Monitor portfolio performance and suggest Qualifications Credit Management, Credit Risk Management, and Credit Skills Strong Analytical Skills and Finance knowledge Excellent written and verbal communication skills Ability to work independently and as part of a team Minimum of 3-6 years of experience in credit management or a related field Bachelor's degree in Finance, Accounting, Business, or a related field; CA preferred Experience in the SME sector is a plus

Job Description: Under direct supervision, assist in the collection and analysis of data for senior staff to use to formulate an opinion of the market value of real estate for the purposes of dispute resolution, mortgage underwriting, acquisition/disposition, portfolio analysis and estate purposes. Essential Job Duties: Collects, analyzes, and reports appraisal related market data through internal and outside sources. Responsible for understanding all company research related database programs Assists in the preparation of appraisal reports under the direct supervision of a State Certified Appraiser. Understands all necessary software programs used to prepare valuation reports Understands and utilizes necessary third-party data sources Responsible for the aggregation, analysis, interpretation, and reporting of complex appraisal related market data through internal and outside sources. Skills, Education and Experience: Bachelor’s degree; preferably in related subjects such as Economics, Finance, Mathematics, Business or Real Estate Law Strong analytical, writing and communication skills Strong organizational and multi-tasking skills

Client Relationship Management: Building and maintaining strong, profitable relationships with key clients. Understanding client needs and providing tailored insurance solutions. Explaining insurance products, features, benefits, and pricing. Handling customer inquiries and complaints promptly and professionally. Resolving customer issues and ensuring a smooth claims process. Lead Management and Sales Support: Generating leads and prospects through various channels. Following up on leads and converting them into clients. Preparing quotations and managing customer inquiries. Data Management and Reporting: Maintaining accurate customer records and CRM data. Keeping up-to-date with industry trends and product knowledge. Coordinating with other departments like claims, underwriting, and support. Providing support for cashless claim settlements. Other Responsibilities: Typing up complaint reports and managing the customer complaint database. Sending reminders for policy renewals and other services. Adhering to company policies and procedures. Skills and Qualifications: Excellent communication and interpersonal skills. Strong customer service and problem-solving skills. Ability to work independently and as part of a team. Knowledge of insurance products and the insurance industry. Strong organizational and time management skills. Job Types: Full-time, Permanent Pay: ₹20,000.00 - ₹25,000.00 per month Language: English (Preferred) Work Location: In person Speak with the employer +91 7976020933

Lead Assistant Manager EXL/LAM/1412071 ServicesGurgaon Posted On 18 Jul 2025 End Date 01 Sep 2025 Required Experience 3 - 6 Years Basic Section Number Of Positions 1 Band B2 Band Name Lead Assistant Manager Cost Code D005940 Campus/Non Campus NON CAMPUS Employment Type Permanent Requisition Type New Max CTC 800000.0000 - 1800000.0000 Complexity Level Not Applicable Work Type Hybrid – Working Partly From Home And Partly From Office Organisational Group Analytics Sub Group Analytics Common Organization Services LOB Analytics SBU Analytics Country India City Gurgaon Center EXL - Gurgaon Center 38 Skills Skill PYTHON Minimum Qualification MCA Certification No data available Job Description EXL Decision Analytics EXL (NASDAQ:EXLS) is a leading operations management and analytics company that helps businesses enhance growth and profitability in the face of relentless competition and continuous disruption. Using our proprietary, award-winning Business EXLerator Framework™, which integrates analytics, automation, benchmarking, BPO, consulting, industry best practices and technology platforms, we look deeper to help companies improve global operations, enhance data-driven insights, increase customer satisfaction, and manage risk and compliance. EXL serves the insurance, healthcare, banking and financial services, utilities, travel, transportation, and logistics industries. Headquartered in New York, New York, EXL has more than 51,000 professionals in locations throughout the United States, Europe, Asia (primarily India and Philippines), Latin America, Australia, and South Africa. EXL Analytics provides data-driven, action-oriented solutions to business problems through statistical data mining, cutting edge analytics techniques and a consultative approach. Leveraging proprietary methodology and best-of-breed technology, EXL Analytics takes an industry-specific approach to transform our clients’ decision making and embed analytics more deeply into their business processes. Our global footprint of nearly 2,000 data scientists and analysts assist client organizations with complex risk minimization methods, advanced marketing, pricing and CRM strategies, internal cost analysis, and cost and resource optimization within the organization. EXL Analytics serves the insurance, healthcare, banking, capital markets, utilities, retail and e-commerce, travel, transportation, and logistics industries. Please visit www.exlservice.com for more information about EXL Analytics. Roles and Responsibilities for Python Developer Design and implement modular, production-ready Python components to replicate and enhance business logic used in underwriting and actuarial workflows Work with domain experts to translate analytical models and manual processes into scalable Python code, applying concepts of modularization, encapsulation, and object-oriented design Develop robust data processing and transformation pipelines using libraries like Pandas, NumPy, and SciPy Design synthetic test data and validation routines to ensure numerical accuracy and robustness across actuarial pricing scenarios Collaborate on API development using FastAPI and JSON schemas to expose core functionalities for integration into broader platforms Contribute to containerization and deployment workflows using Docker and Poetry for reproducible, maintainable environments Integrate and interface with data from Databases, Excel workbooks, and APIs — working closely with stakeholders to extract functional requirements from semi-structured sources Participate in MLOps and model deployment pipelines, ensuring code is version-controlled, testable, and well-documented Work collaboratively with other developers via Git and GitHub to manage feature branches, perform peer reviews, and deliver clean code Document code, APIs, and system design for technical and non-technical stakeholders to ensure transparency and maintainability Communicate regularly with business analysts, actuaries, and product owners to align on requirements, clarify assumptions, and deliver high-value solutions Candidate Profile: 3–6 years of professional experience as a Python developer, preferably in a data-intensive domain like insurance or finance Strong command of core Python concepts including OOPs, modularization, and encapsulation Hands-on experience with libraries including Pandas, NumPy, SciPy, JSON, FastAPI, OpenpyXL, and SASPy Experience in building and testing modular Python code; familiarity with synthetic test data generation Working knowledge of API development, documentation, and understanding of API contracts Experience using modern Python packaging and deployment tools like Poetry and Docker Familiarity with Git, GitHub workflows, and collaborative development practices Basic understanding of AWS services (e.g., S3, Lambda, ECS) and cloud-native application deployment Exposure to MLOps tools and concepts, including model deployment and versioning workflows Strong communication skills for working with cross-functional teams and presenting technical designs Experience working in Agile/Scrum teams Bachelor’s degree in Computer Science, Engineering, or related field (Master’s preferred) What we offer: EXL Analytics offers an exciting, fast paced, and innovative environment, which brings together a group of sharp and entrepreneurial professionals who are eager to influence business decisions. From your very first day, you get an opportunity to work closely with highly experienced, world-class analytics consultants. You can expect to learn several aspects of businesses that our clients engage in. You will also learn effective teamwork and time-management skills - key aspects for personal and professional growth. Analytics requires different skill sets at various levels within the organization. At EXL Analytics, we invest heavily in training you in all aspects of analytics as well as in leading analytical tools and techniques. We provide guidance/ coaching to every employee through our mentoring program wherein every junior level employee is assigned a senior level professional as advisors. Sky is the limit for our team members. The unique experiences gathered at EXL Analytics set the stage for further growth and development in our company and beyond. "EOE/Minorities/Females/Vets/Disabilities" Workflow Workflow Type L&S-DA-Consulting

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role :As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfoli o Key Responsibilitie s:360° Credit Assess ment: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirement s.Service Delive ry: Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service deliver y.Process Compli ance: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framewor k.Portfolio Manage ment: Management of the assigned portfolio through improved disbursement with a key focus on qualit y.Collaborat ion: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal team s.Ground Sens ing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfoli o. Key Qualifications & Skil ls:Educational Qualific ation: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industri es.Communication s kills: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delive ry.Financial Understa nding: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clien ts.Regulation Awar eness: The ability to gauge the impact of policies, rules, and regulations on the portfol io.Risk Mitig ation: Conceptual understanding of risk and risk mitigation strategi es.Hands-on Credit Knowl edge: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferr ed. About the Business Gr oup:The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit c ard.

Hiring for Live Underwriter( Permanent WFH) - F2F interview - 19TH & 20TH JULY - Residential Underwriting Company - FIRST SOURCE Location - Gurgaon US Night shift 1month notice ctc upto 12lpa Minimum 3+yrs of exp required in underwriting 2yrs in live underwriting Key Responsibilities Review and underwrite U.S. residential mortgage loan files to ensure compliance with FNMA, FHLMC guidelines. Familiarity with GNMA and other investor guidelines is a strong plus. Conduct comprehensive analysis of borrower’s credit, income, asset, and collateral (4Cs) to determine creditworthiness. Perform income analysis from salaried, self-employed (business), rental, and other sources, including complex tax documents such as 1040s, Schedule E, K1s, 1120, 1120S, and transcripts. Review credit reports to evaluate trade lines, delinquencies, public records, and reconcile discrepancies. Validate collateral and property valuations and assess appraisal documentation. Verify asset documentation including bank statements, retirement accounts, and other investments. Make independent underwriting decisions (approve, deny, or counter) in accordance with investor and company policies. Maintain compliance with internal controls and regulatory requirements. Communicate findings and decisions clearly to internal stakeholders and/or clients. Deliver quality outcomes while meeting turnaround time (TAT) and accuracy metrics. Interested Candidates contact HR Umme@ 8655884775 / Umme@careerguideline.com Job Types: Full-time, Permanent Pay: ₹100,000.00 - ₹1,200,000.00 per year Work Location: In person Speak with the employer +91 8655884775

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Chandigarh, Ludhiana, Patiala, Jalandhar

Job Description About the Day-to-Day Responsibilities of the Role Perform sophisticated risk analyses using Verisk's cutting-edge technology for insurers, brokers, and other financial intermediaries in the internationally expanding business of catastrophe risk management Add value to modelled results through customization of output tailored to the needs of clients Perform change management analyses for updates models and Verisk’s Next Generation Models to assist with client adoption Perform portfolio management studies for determining growth strategies, developing scoring templates and risk metrics Manage and participate on internal projects such as testing of new software features and model releases Communicate directly with clients to develop project timelines and manage deliverable expectations, working jointly with global Verisk teams Help clients reliably assess and manage their catastrophe loss potential through interpretation of modelling results Provide day to day client support helping clients use Verisk’s software platforms and understand Verisk’s catastrophe models and their output, including providing training sessions to clients. Qualifications About You and How You Can Excel in This Role Requirements Strong analytical and quantitative skills, a solid understanding of probability concepts, excellent problem-solving skills and a commitment to client services. Experience Range: 1+ years Working knowledge of insurance and reinsurance Knowledge of Touchstone Re and /or Touchstone required or equivalent catastrophe modeling platform Excellent communication, time management and organizational skills Experience using Microsoft Office is essential and knowledge and understanding of the insurance/ reinsurance markets is preferred. Ability to code in languages such as SQL, R, Python will be highly beneficial. Knowledge of ArcGIS would be desirable. Education A degree in science, engineering or mathematics is preferable. 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

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role: As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfolio Key Responsibilities: 360° Credit Assessme nt: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirements. Service Delivery : Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service delivery. Process Complian ce: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framework. Portfolio Manageme nt: Management of the assigned portfolio through improved disbursement with a key focus on quality. Collaboratio n: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal teams. Ground Sensin g: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfolio. Key Qualifications & Skills: Educational Qualificati on: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industries. Communication skil ls: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delivery. Financial Understandi ng: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clients. Regulation Awarene ss: The ability to gauge the impact of policies, rules, and regulations on the portfolio. Risk Mitigati on: Conceptual understanding of risk and risk mitigation strategies. Hands-on Credit Knowledg e: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferred. About the Business Group: The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit card. Location: Patna, Bhagalpur, Begusarai, Gaya, Muzaffarpur, Purnia

Essential Services: Role & Location fungibility: While the role descriptions give you an overview of the responsibilities, it is only directional and guiding in nature. At ICICI Bank, we believe in serving our customers beyond our role definition, product boundaries, and domain limitations through our philosophy of customer 360-degree. In essence, this captures our belief in serving the entire banking needs of our customers as One Bank, One Team . To achieve this, employees at ICICI Bank are expected to be role and location-fungible with the understanding that Banking is an essential service . About the role :As a Credit Manager, you will be responsible for credit underwriting of various loan products for customers across Retail, Agri, Business Banking, and Small and Medium Enterprises (SME). In this process of credit evaluation, you will get an opportunity to capture the diverse 360-degree banking needs of the customers and recommend suitable products and services in line with customer needs. The credit team is responsible for credit evaluation of loan products such as personal, mortgage, vehicle, credit card, working capital, enterprise credit, and business loans. ICICI Bank follows the principle of “Fair to Customer and Fair to Bank.” In this process, you and your team will work closely with the relationship teams responsible for customer engagements. ICICI Bank follows a single-point credit evaluation covering all credit requirements of the customers to offer superior service. Mentoring the team of Credit Managers in capturing the 360-degree needs of the customer and driving service standards in all their engagements is a crucial responsibility. The Credit and Policy team offers a unique experience to Credit Managers for evaluating and underwriting across the spectrum of loan products and managing a portfoli o Key Responsibilitie s:360° Credit Assess ment: Drive the 360-degree assessment of the customers through the Credit Managers in the defined micro-markets to holistically capture the customer's banking needs over and beyond credit requirement s.Service Delive ry: Ensure best-in-class customer experience in all the engagements of Credit Managers. Constantly mentor and guide the Credit Managers on the service deliver y.Process Compli ance: Make sure the underwriting process is within established guardrails. Keep monitoring loan utilisation, repayment capacity, loan covenants, and compliance. Approve credit appraisal notes within your financial limit in line with the Bank’s framewor k.Portfolio Manage ment: Management of the assigned portfolio through improved disbursement with a key focus on qualit y.Collaborat ion: Work closely with relationship teams, legal teams, technical valuation teams, field investigation and risk teams, and other internal team s.Ground Sens ing: Regularly track market factors, indices, policies, and regulations. Identify their impact on the credit portfoli o. Key Qualifications & Skil ls:Educational Qualific ation: MBA/chartered accountants/ Graduates. Graduates with 3-6 years of work experience or MBA/CAs with 0/-3 years of work experience in the area of credit management across industri es.Communication s kills: Ability to tailor conversations (both verbal & written) around the needs of the customer with the utmost focus on service delive ry.Financial Understa nding: An understanding of the balance sheet, cash-flow statements profit & loss accounts and other financial parameters of the clien ts.Regulation Awar eness: The ability to gauge the impact of policies, rules, and regulations on the portfol io.Risk Mitig ation: Conceptual understanding of risk and risk mitigation strategi es.Hands-on Credit Knowl edge: Credit underwriting, credit appraisal, finance, risk, and audit-related experience will be preferr ed. About the Business Gr oup:The Credit and Policy Group (CPG) is responsible for credit evaluation and underwriting of customers being served by the Retail Banking Group. CPG also formulates policies for various loan products and continuously looks for opportunities to simplify processes in order to serve customers seamlessly. Credit and Policy Group caters to the unified structure of Small and Medium Enterprises (SME), Mid Corporate Group (MCG), Business Loan Group (BLG), Rural Business Credit and credit evaluation of loan products such as personal, mortgage, vehicle, credit c ard.