The Assistant Vice President will hold a critical role within the Structured Credit and Real Estate Underwriting (SCREU) team administering a multi-billion dollar portfolio of asset securitization transactions primarily across the ABS and CLO asset classes (including auto, credit card, unsecured consumer loans, middle market, private credit and broadly syndicated loans). The is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. Responsibilities: Monitor the ongoing compliance of assigned deals with the documented financing terms and conditions, portfolio performance and financial triggers and make appropriate recommendations with the aim of identifying and mitigating credit risks. Assist with classification and risk rating processes. Identify data trends & deteriorating asset performance. Keep abreast of industry/ market developments and customer-specific events; consult with the Business and Underwriting on any action plans per policies (e.g., transaction classification changes). Manage and report risk exposures to structured vehicles backed by various asset classes including Consumer Assets, Broadly Syndicated Loans, Middle Market Exposures within Institutional Clients Group, including derivatives exposures within the transaction Perform in-depth fundamental credit analysis, by monitoring a company’s financial performance, risk metrics and compliance with performance triggers (annual reviews and other credit approvals) Responsibilities include research, credit analysis, risk rating assessment and active monitoring of the portfolio to identify credit migration and may include assisting with quarterly portfolio reviews Compose assigned annual review memos and generate reports as required to highlight portfolio metrics for internal and external regulators Model transactions for risk rating and stress testing purposes Assist with special projects including stress testing, portfolio concentration analysis, internal audit/review functions, Risk Rating processes, Credit Policies and Credit Programs across product groups Assist in analysis and reporting of Basel securitization parameters Work with internal teams to ensure data integrity and credit risk positions are accurately reported in credit systems. Maintain organized credit files for credit, regulatory, and compliance purposes and ensuring compliance with WCR policies and processes. Qualifications and Experience: 3+ years of credit, portfolio management or structuring experience in a financial institution, rating agency, financial guarantor, or asset management firm; structured credit/securitization experience is a plus Solid experience in structured products or credit analysis Knowledge of accounting and corporate finance, financial modelling, credit and banking products, credit analytics, risk assessment, and analysis of credit agreements and other legal documentation Strong analytical and quantitative skills with ability to perform, review or critique credit analysis on complex transactions Strong writing, presentation and interpersonal skills Strong Microsoft Office skills. Modelling experience is a plus Proven ability to work with little direction and in a team Excellent attention to detail Willingness to learn new products and programs Demonstrated accountability, self-motivation and ability to work under tight deadlines Education: Bachelor's degree/University degree or equivalent experience, Master’s degree a plus ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View the " EEO is the Law " poster. View the EEO is the Law Supplement . View the EEO Policy Statement . View the Pay Transparency Posting Show more Show less

Designation - Business Analyst Location - Hyderabad / Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:

Who we are About Stripe Stripe is a financial infrastructure platform for businesses. Millions of companies—from the world’s largest enterprises to the most ambitious startups—use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone’s reach while doing the most important work of your career. About The Team Stripe is launching Stripe Delivery Centers - a new global team to design, implement and grow Stripe’s operations for the next decade. We are looking for a number of dynamic and curious people that have a passion for solving global user issues, building operations, drive process improvement and want to play a front-line role in building this new operational capability for Stripe and accelerating Stripe’s growth. If you like challenging, scaled problems and are an amazing teammate, we want to hear from you! What you’ll do The Credit Operations team plays a critical role in ensuring a healthy financial ecosystem for businesses around the world. This team will directly impact the company’s bottom line and growth capabilities by supporting new and emerging businesses. The Credit Operations team is responsible for conducting credit risk assessments, underwriting small, medium and large users, and proposing mitigation strategies that enable Stripe to take smart risks for our users. Responsibilities Work with merchants, from successful venture-backed startups to well established institutions; evaluating their business models and financial statements Help manage Stripe’s portfolio by developing a deep understanding of risk across industries, geographies, and operating models Identify differing risks of complex business models and enforce appropriate loss mitigation actions based on your assessment Utilize analytics to optimize strategies which can be enforced across Stripe’s portfolio Identify risk factors and trends and further report these identifiers to the wider risk team to ensure consistency in partnership Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements Have an opportunity to learn how Stripe operates from ground up and make a real impact on the future on organization Be a part of building a brand new team and operational culture for Stripe Partner with global operations specialists or business process owners to run a critical workflow Who you are We’re looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. Minimum Requirements A minimum of 2+ years of experience with knowledge of commercial credit underwriting, financial risk modeling and cash flow forecasting Ability to transform business and financial data into a cohesive narrative that outlines potential credit risks Strong knowledge of accounting principles and comfort with evaluating financial statements and business models across a range of industries You excel in analytical thinking and problem solving You have a process-oriented mindset and ability to get things done You enjoy working in an in-office environment with strong cross team collaboration and support You are able to prioritize and enjoy working in a quick-moving environment You are humble and have a proven track record for working well across teams and with external partners Preferred Qualifications Degree/diploma in Finance or Accounting Experience in payments, e-commerce, or fintech mitigating credit risk In-office expectations Office-assigned Stripes in most of our locations are currently expected to spend at least 50% of the time in a given month in their local office or with users. This expectation may vary depending on role, team and location. For example, Stripes in Stripe Delivery Center roles in Mexico City, Mexico and Bengaluru, India work 100% from the office. Also, some teams have greater in-office attendance requirements, to appropriately support our users and workflows, which the hiring manager will discuss. This approach helps strike a balance between bringing people together for in-person collaboration and learning from each other, while supporting flexibility when possible. Pay and benefits Stripe does not yet include pay ranges in job postings in every country. Stripe strongly values pay transparency and is working toward pay transparency globally. Show more Show less

Job Description Wealth Management Across Wealth Management, Goldman Sachs helps empower clients and customers around the world to reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients, including ultra-high net worth and high net worth individuals, as well as family offices, foundations and endowments, and corporations and their employees. Our consumer business provides digital solutions for customers to better spend, borrow, invest, and save. Across Wealth Management, our growth is driven by a relentless focus on our people, our clients and customers, and leading-edge technology, data and design. Goldman Sachs Private Bank Goldman Sachs Private Bank provides competitive borrowing and cash management solutions from Goldman Sachs Bank USA that are strategically integrated with our client’s wealth management goals. Our experienced team partners with PWAs to advise clients on new loans, refinancing and restructuring of existing loans along with overall liability management. Our lenders and mortgage specialists provide a wide range of creative borrowing solutions against asset classes ranging from marketable securities and alternative investments, residential and commercial real estate to more tailored solutions against private assets such as aviation, fine art or vineyards. All team members are employees of Goldman Sachs Bank, USA Private Lending Underwriting Private Lending Underwriting (PLU), based in Bengaluru, is primarily responsible for the underwriting of loans to GS Private Wealth Management (PWM) clients. In this capacity, PLU assesses, underwrites, documents, and monitors the credit and business risks incurred in loan transactions. The underwriting process includes a thorough analysis of the borrower’s financial condition, assessment of any collateral securing the loan, identification of risks and mitigants, among other items. Types of loans underwritten include commercial real estate, GS and third-party private equity/hedge funds (including co-invest facilities), aircraft, fine art, hobby properties, private company stock, yachts, marketable securities, etc. PLU also ensures that the underwriting standards approved by the bank are adhered to in the loan approval process, with exceptions appropriately mitigated and documented. In addition, PLU participates in various business-related initiatives, such as new product development and systems/operational enhancements. Private Lending is a part of GS Private Bank (PB), which is a business initiative of Goldman Sachs. PLU employees are employees of Goldman Sachs Bank USA. How You Will Fulfill Your Potential Evaluate all risk and economic implications of transactions, using strong analytical and technical skills Work closely with the Regional Lending Team to advise and develop solutions for clients that meet their needs and remain within acceptable risk parameters for the Bank Develop and maintain a thorough understanding of the product suite offered in Private Lending. Ensure consistency in the underwriting process and with the standards prescribed in the Product Lending Guides Document the loan structure and analysis for credit approval and file documentation purposes Ensure that loan documentation is consistent with the approved terms and that appropriate risk ratings are assigned to each loan transaction Confirm compliance with all covenant and collateral monitoring procedures Ensure that loan approvals and policy exceptions are documented appropriately and that credit files are maintained in a satisfactory manner Interact with banking regulators on an as needed basis. Provide other support of GS Bank USA’s loan portfolio as requested Foster strong communication with Regional Private Lending teams, Credit Risk Management, PWM teams, clients and GS Bank USA personnel Skills And Experience We Are Looking For MBA CPA or CFA a plus 3.5 - 5 years of work experience in a financial field (mortgage or insurance underwriting is not relevant for this role) Relevant work experience in commercial banking and/or private banking underwriting or credit roles Key skills include detailed knowledge of financial accounting, analysis, and modeling Excellent communication skills, both oral and written Strong project management, multi-tasking, and work organization skills Flexible, personable, confident, and self-motivated while focusing on being a team player Desire to be part of a dynamic and growing business No licensing required for this role About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2024. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Show more Show less

Job Description About Goldman Sachs At Goldman Sachs, we connect people, capital and ideas to help solve problems for our clients. We are a leading global financial services firm providing investment banking, securities and investment management services to a substantial and diversified client base that includes corporations, financial institutions, governments and individuals. For us, it’s all about bringing together people who are curious, collaborative and have the drive to make things possible for our clients and communities. Global Banking & Markets Our core value is building strong relationships with our institutional clients, which include corporations, financial service providers, and fund managers. We help them buy and sell financial products on exchanges around the world, raise funding, and manage risk. This is a dynamic, entrepreneurial team with a passion for the markets, with individuals who thrive in fast-paced, changing environments and are energized by a bustling trading floor. The Loan Management team is a business unit within the Global Markets Segment primarily supporting the Mortgage Loan Trading desk and Investment Banking’s Real Estate Finance Group. The team is a multi-faceted diligence and asset management platform specializing in whole loan acquisition, sales, securitizations, and financing opportunities. The Loan Management team has product expertise across mortgages, consumer loans, real estate and warehouse financing. Candidate’s role will have key responsibilities in underwriting/managing /overseeing commercial real estate loans that GS has interest in. General Work collaboratively to achieve department and firm objectives Develop and maintain market relationships with appropriate vendors and other industry participants Review loan level financings, appraisal review, and other activities that may require feedback from the debt originations or real estate finance groups Present potential decisions’ impact on assets and asset performance to senior leadership Asset Management Oversee and/or directly manage a diverse portfolio of commercial real estate loans. Reviewing legal documentation, financial models, business plans, covenants to assess the loan and asset level risk. Experience interacting with property managers, third party vendors, borrowers and law firms Experience in Rockport and Excel cash flow modeling/forecasting in conjunction with the use of market sale and rent comps to determine real estate values across a variety of property types: multifamily, hospitality, retail, industrial, office, self-storage, senior living, etc. Monitoring business plan performance and making tactical and strategic recommendations, as appropriate. Analysis & Reporting Coordinate due diligence documents with clients, vendors and legal for review. Coordinate the loan pledges and risk rating/credit analysis for obtaining internal approvals Ongoing monitoring of the asset and loan performance, preparing asset summary reports and internal business plan presentations, valuation analysis, market analysis. Managing client relationships and interacting with property managers, legal counsel, servicers, co-lenders, institutional borrowers, etc. to ensure smooth / high quality execution/monitoring of CRE deals Manage and create data related quality control checks for internal databases and provide resolution through analytic research. Underwriting Perform valuation analyses and due diligence related activities Track and forecast operating cash flows from real estate assets using a combination of market data, property specific operating norms, actual performance data and GS specific standards required to evaluate, pursue, and close debt investment opportunities. Coordination of internal and external resources to analyze investments opportunities Basic Qualifications Minimum 2 to 4 years of experience in originating/underwriting CRE loans and/or managing performing/distressed assets Experience valuing multiple commercial real estate product types Proficiency in Excel, PowerPoint and Word Strong academic background Preferred Qualifications Excellent quantitative, verbal and written communication skills Self-motivated, ability to work both autonomously and in a team setting Solid analytical/logical mindset and attention to detail Strong sense of accountability and dedication to continuous improvement Ability to work under pressure and meet deadlines ensuring high quality output About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2024. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Show more Show less

Creating and managing dashboards and templates for portfolio review. Monitoring of portfolio performance against defined thresholds and benchmarks. Defining and tracking Early Warning Signals (EWS) to take timely and preventive measures Benchmarking against industry and peers ECL budgeting and tracking actual performance against the budget Tracking macro indicators and its impact on the company Loss projections based on recent performance updates Stress testing analysis Reporting for senior management and board/ committees Adhoc risk analysis as required Liaison with different teams and stakeholders in terms of understanding, co-ordinating and communicating the outputs from portfolio risk analysis Knowledge and experience Significant prior experience in an portfolio risk management of lending business. Experience in market risk and liquidity risk 8+ years of total experience with Indian NBFC experience preferred. Understanding of financial sector/ lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates) Wide range of products experience - Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products etc. Risk and financial reporting, and MIS production experience Experience with working at NBFCs or banks or consulting to Banks and NBFCs Key competencies/behaviours Interpersonal and influencing skills, including strong oral and written communication Strong work ethic Ability to solve problems in creative, practical ways Ability to build relationships with Stakeholders at all levels of seniority. Liaison between various teams across disciplines. High personal standards with respect to the quality of your own work The ability to work seamlessly as part of a wider team, furthering common goals and working within demanding deadlines Qualifications Required for the role Master s degree in a relevant quantitative/risk/finance discipline CA/ CFA or other professional financial qualification Highly proficient user of Microsoft Excel including data analysis tools Prior exposure to Tableau will be better About Credit Saison:Established in 2019, CS India is one of the country s fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partne...

Company: Mercer Description: We are seeking a talented individual to join our Health Actuarial team at Mercer. This role will be based in NCR. This is a hybrid role that has a requirement of working at least three days a week in the office. Associate Director - Actuarial (Health) We will count on you to: Works on basic to moderately complex actuarial/quantitative analysis projects with some guidance from senior project team members in order to assess and calculate costs, rates, risks and trends associated with underwriting health and welfare insurance brokering contracts, or projecting health care related costs. Projecting retiree medical costs using cost/enrolment data and providing advice on projected experience and valuation, accounting reporting and management of these liabilities Analysing the viability of group risk scheme and group medical scheme to insure benefits through a trust arrangement; providing clients with recommendations based on the analysis Project cashflow scenarios and simulations for Insurance and Reinsurance Funds (including Captives) and recommend optimal capital management strategies, including reinsurance limits Evaluating group risk and income protection benefits; making recommendations on how to manage future costs based on demographics Gathers, organizes, tests, and reviews client or vendor data for accuracy, validity, and reasonableness, and to identify any discrepancies. Performs basic and increasingly complex analyses and cost projections by using or modifying existing products, tools, and pricing models in Excel, SAS, and other software, with some input and feedback from senior project team members. Participates in the development of companys intellectual capital in order to develop knowledge of health insurance actuarial services and products. Proactively managing all stakeholders; which include internal and external clients What you need to have: Strong analytical skills, both quantitative and qualitative Working knowledge of Microsoft Office Word, Excel, and PowerPoint and advanced programming skills are a plus (e.g. R, Python, SAS and SQL) Knowledge of data analysis, project management, and presentation design Excellent interpersonal, verbal, and written communication skills Intellectual curiosity; seeking opportunities to develop new skills Ability to work in teams and be flexible to work under tight deadlines and changing client needs Superior organizational skills and strong attention to detail Sound knowledge of process documentation, development of SOP, knowledge artefacts Ability to prioritize and handle multiple tasks in a demanding work environment. Graduation with Mathematics / Statistics / Actuarial Science or any subject with sizeable mathematical content Fully / Nearly qualified actuary preferably in health domain Minimum 12 years experience overall in actuarial services (domestic or international) What makes you stand out? Adaptable communicator, facilitator, influencer and problem solver High attention to detail Good relationship skills, proven ability to work on own initiative as well as in a team Stakeholder management mainly onshore stakeholders Adaptable communicator, facilitator and problem solver Ability to multi-task and prioritize time effectively Demonstrate quick learning skills Why join our team: We help you be your best through professional development opportunities, interesting work and supportive leaders. We foster a vibrant and inclusive culture where you can work with talented colleagues to create new solutions and have impact for colleagues, clients and communities. Our scale enables us to provide a range of career opportunities, as well as benefits and rewards to enhance your well-being.

The Credit Risk Intmd Analyst is a developing professional role. Deals with most problems independently and has some latitude to solve complex problems. Integrates in-depth specialty area knowledge with a solid understanding of industry standards and practices. Good understanding of how the team and area integrate with others in accomplishing the objectives of the subfunction/ job family. Applies analytical thinking and knowledge of data analysis tools and methodologies. Requires attention to detail when making judgments and recommendations based on the analysis of factual information. Typically deals with variable issues with potentially broader business impact. Applies professional judgment when interpreting data and results. Breaks down information in a systematic and communicable manner. Developed communication and diplomacy skills are required in order to exchange potentially complex/sensitive information. Moderate but direct impact through close contact with the businesses' core activities. Quality and timeliness of service provided will affect the effectiveness of own team and other closely related teams. Responsibilities: Provides analysis of a business' financial trends, indicators and other client data for presentation to the Underwriting Manager for further discussion and consideration. Manages the risk associated with new and existing borrowing relationships through the following: Performs spreads of client business financial statements Creates Customer Accounting Systems’ through Credit Platform Recognizes potential client risk through early warning systems Performs periodic financial statement review Tracks established financial covenants Monitors compliance to borrowing base credit facility Accompanies Underwriting Manager on customer site visits (when appropriate) Compliance with Citibank policies to ensure satisfactory ratings from internal and external auditors. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: 2-5 years previous experience in a financial institution with a focus on credit analysis and spreading software. Analyze program results vs expectations / Develop Strategies and Criteria / Gather data and prepare data for analysis Education: Bachelor’s/University degree or equivalent experience This job description provides a high-level review of the types of work performed. Other job-related duties may be assigned as required. ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity and affirmative action employer. Qualified applicants will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Citigroup Inc. and its subsidiaries ("Citi”) invite all qualified interested applicants to apply for career opportunities. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi . View the " EEO is the Law " poster. View the EEO is the Law Supplement . View the EEO Policy Statement . View the Pay Transparency Posting Show more Show less

The Global Leveraged Finance Underwriting Credit Team (“LFU”) within Institutional Credit Management (“ICM”) is seeking an Associate to join its Analytics team. The Associate is a professional with the goal to deliver best-in-class credit risk analysis, monitoring and credit administration as a partner to broader ICM Underwriting and Banking, Capital Markets and Advisory’s (BCMA) shared commitment to ensuring the safety and soundness of wholesale lending across ICG. The Associate will work with the rest of the LFU team to create a best-in-class Leveraged Lending Underwriting organization with the primary goal of materially enhancing Citi’s end-to-end Leveraged Lending credit management process. The Associate will be responsible for writing Annual Reviews and Quarterly Reviews, and for supporting LFU Underwriters on transactions. Analyst Role and Responsibilities: Assess the credit and financial strength of Citi’s most complex Large Corporate Clients by performing fundamental credit analysis of counterparties using both quantitative and qualitative factors Monitor the covered portfolio, including following industry trends, impacts to key relationships, and escalation of potential credit issues to LFU Underwriters, Risk and BCMA partners Evaluate and gain a strong understanding of clients' business model, financial performance, and key credit drivers across various industries, through both due diligence process as part of transactions and ongoing credit monitoring responsibilities Assess the borrower’s cash flow profile by building projection models used in assigning a regulatory rating and driving decision on the extension of credit to highly levered obligors Provide analytical support across LFU’s core functions: (1) Leveraged Lending transaction origination and credit approval; (2) portfolio management and early problem recognition; (3) global leveraged lending related projects and strategic initiatives Qualifications: 7-10 years of credit analysis, origination, or relevant credit experience Well-developed analytical skills, including an understanding of key financial components (liquidity position, leverage profile with the ability to form independent opinions on credit and recognize emerging risks) Team player with strong work ethic Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively Advanced knowledge of Microsoft Word, Excel, and PowerPoint Three statements financial modeling experience Ability to take on demanding responsibilities and work independently, while juggling multiple tasks at one time effectively manage deadlines and juggle multiple tasks at once Awareness and adherence to the control environment including Quality Assurance and Quality Control Education: MBA or CFA or CA ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Credit Decisions ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. Show more Show less

The Credit Portfolio Intermediate Analyst is an intermediate-level position responsible for conducting credit reviews, credit approval and monitoring the portfolio to identify credit migration in coordination with the Risk Management team. The overall objective of this role is to manage Citi's portfolio exposure to clients and counterparties globally. Responsibilities: Resolve issues and recommend solutions to moderate problems Integrate specialty area knowledge with an understanding of industry standards and practices and how teams collaborate to accomplish goals of the sub-function/ job family Serve as an industry expert and advisor Analyze and approve counter-party credit limits for trading, transactional and financing businesses with funds Develop risk management framework and processes for funds Advise businesses and clients on transaction structures and negotiate credit terms Has the ability to operate with a limited level of direct supervision. Can exercise independence of judgement and autonomy. Acts as SME to senior stakeholders and /or other team members. Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency. Qualifications: 4+ years of relevant experience Experience in financial analysis, accounting and valuation Consistently demonstrate clear and concise written and verbal communication Education: Bachelor's degree/University degree or equivalent experience Role Summary: Enhance and improve the Risk policies using statistical techniques to optimize business growth and profits by minimizing the losses Support tactical and strategic Risk Analytics projects for Citi’s Retail Services Group in the US. Independently manage development and implementation of effective risk management strategies that balances the risk and reward of the portfolio Apply innovative analytical techniques to customer and transaction data to build risk mitigation strategies and processes Apply subject matter expertise to the prioritization and planning of projects in conjunction with risk management policies and strategies. Must be able to effectively provide updates and communicate key initiatives to senior risk management. Analyze tests and performance using SAS and decision tree (CHAID/ CART) Evaluate effectiveness of current policies and strategies Responsibilities: Must have capability to clearly develop and communicate analysis A good understanding of credit life cycle Must have hands on expertise in developing and managing segmentations Presentations to both technical and non-technical personnel are required to be made frequently as part of the job Ability to work efficiently in a matrix environment balancing between both business and functional interactions and priorities. Skills: Experienced in developing, implementing, and monitoring credit strategies or scoring models across authorizations, underwriting, existing customer management and collections Programming skills in advanced SAS, SQL, Knowledge Studio, SAS E-miner in mainframe, UNIX and PC environments. Highly proficient in Excel/pivot tables and PowerPoint. Exposure to project/process management Strong communication and presentation skills targeting a variety of audiences Flexibility in approach and thought process Strong influencing and facilitation skills. Qualifications: 4+ years of relevant experience Experience in financial analysis, accounting, and valuation Consistently demonstrate clear and concise written and verbal communication Education: Master’s degree/University preferred ------------------------------------------------------ Job Family Group: Risk Management ------------------------------------------------------ Job Family: Portfolio Credit Risk Management ------------------------------------------------------ Time Type: Full time ------------------------------------------------------ Citi is an equal opportunity employer, and qualified candidates will receive consideration without regard to their race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other characteristic protected by law. If you are a person with a disability and need a reasonable accommodation to use our search tools and/or apply for a career opportunity review Accessibility at Citi. View Citi’s EEO Policy Statement and the Know Your Rights poster. Show more Show less

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

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

A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As an Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Invite and give in the moment feedback in a constructive manner. Share and collaborate effectively with others. Identify and make suggestions for improvements when problems and/or opportunities arise. Handle, manipulate and analyse data and information responsibly. Follow risk management and compliance procedures. Keep up-to-date with developments in area of specialism. Communicate confidently in a clear, concise and articulate manner - verbally and in the materials I produce. Build and maintain an internal and external network. Seek opportunities to learn about how PwC works as a global network of firms. Uphold the firm's code of ethics and business conduct. You will play an integral role in supporting our life, annuity, and health clients in a variety of ways which includes the following but Are Not Limited To Supporting the audits of several of the largest insurers in the world. This includes public, private and mutual insurers. It also includes the insurance operations of several banks and private equity firms. Performing a variety of consulting projects that include financial reporting, capital reporting, product pricing. We also perform operational and organizational consulting for our clients. Supports buyers and sellers in merger and acquisition activities. This includes analysis of the underlying products and services as well as potential risks and other elements that affect the price of the deal. Performing detailed model validations of underlying reserves and other actuarially determined balances across multiple reporting and regulator bases. This work supports audits and consulting engagements. Specific Responsibilities Include But Are Not Limited To Participating in a wide range of projects and collaborating across multiple work streams or teams; consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Ability to prepare deliverables within stringent deadlines. Keep up to date with local, national and international business and economic issues. Contribute to the development of your own and team’s technical acumen. Serve as participant on communications with numerous Engagement teams A career in this practice will provide you the opportunity to help organizations by providing actuarial and insurance services. You will have the opportunity to specialize in some of The Following Participate in providing clients advice and counsel in the areas of process improvement, risk and capital management, value analyses and actuarial and quantitative modeling; Participate in a wide range of projects; consistently demonstrating creative thinking and individual initiative; Participate in a wide range of projects; consistently demonstrating creative thinking and individual initiative; Demonstrate teamwork dynamics through working as a team member; Identify and address client needs; and, Demonstrate flexibility in prioritizing and completing tasks while exercising professional scepticism. Demonstrate ability to research and analyse pertinent client, industry, and technical matters; Experience demonstrating strong problem-solving skills and the ability to prioritize and manage multiple tasks; Ability to interact with various levels of client and firm management through both written and verbal communications; and, Ability to self-motivate and take responsibility for personal growth and development. Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) with focus on actuarial methods and Principals Along With Following Certifications / Degree Actively pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) with a minimum of 2 Actuarial Exams Work Experience ranges as below: Associate – 0 to 1 year for the members / associate of Actuarial Institutions Associate 2 – 1 to 2 years for the members / associate of Actuarial Institutions Work Experience from following organisations: Big 4s – similar experience Any of the 24 registered Life Insurance Companies in India like LIC, HDFC Life, ICICI Pru, etc. Financial Consultancy / Financial Advisor Companies – Willis Towers Watson, Milliman, WNS Global Services, Numerica, Accenture General Insurance Corporation of India (GIC) Foreign Reinsurance Companies – Swiss Re, Munich Re, Scor SE, Hannover Re, RGA Life, XL Insurance Company SE, General Reinsurance AG, AXA France Vie, Allianz Global Corporate & Specialist SE Advance knowledge on Microsoft Office especially Excel An additional knowledge of either of the following would be Preferred Data Analytics – Python, SQL Visualization Tools (Tableau, PowerBI, QuickSight) VBA programming Proficient written and verbal English communication skills Commitment to continuous training and to proactively learn new processes Team player – committed to providing high quality and maintaining timeliness Demonstrated self-motivation and a desire to take responsibility for personal growth and development. 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A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As a Senior Manager, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Encourage everyone to have a voice and invite opinion from all, including quieter members of the team. Deal effectively with ambiguous and unstructured problems and situations. Initiate open and candid coaching conversations at all levels. Move easily between big picture thinking and managing relevant detail. Anticipate stakeholder needs, and develop and discuss potential solutions, even before the stakeholder realises they are required. Contribute technical knowledge in area of specialism. Contribute to an environment where people and technology thrive together to accomplish more than they could apart. Navigate the complexities of cross-border and/or diverse teams and engagements. Initiate and lead open conversations with teams, clients and stakeholders to build trust. Uphold the firm's code of ethics and business conduct. Job Description Our life modelling team leverages sophisticated actuarial software to develop, test and run models that perform a variety of complex calculations for our life, annuity, and health insurance clients. We support the audits of several of the largest insurers in the world. This includes public, private and mutual insurers. It also includes the insurance operations of several banks and private equity firms. Our team primarily uses Axis and Prophet but also uses other vendor software or work on models developed by our clients. We design, build and test new models for our clients. We also convert existing models to models supported by other vendors. The models are used for financial and capital reporting, testing clients models, and mergers and acquisitions activities. Using these actuarial models, our team also performs valuation and reporting services for our clients as part of our managed service offering. Skills Required Demonstrates proven extensive knowledge of, and/or success in managerial roles involving, technical actuarial subject matter specialization, especially in Life or Non-Life industry and regulatory developments. Demonstrates some proven knowledge of database structures and data process flows. Demonstrates some proven abilities and/or success with using actuarial software, preferably Axis or Prophet. Demonstrates some proven abilities and/or success as a team leader: creating a positive environment by monitoring workloads of the team while meeting client expectations and respecting the work-life quality of team members; providing candid, meaningful feedback in a timely manner; keeping leadership informed of progress and issues; answering questions and providing direction to less-experienced staff. Demonstrates some proven level abilities and/or success with writing, communicating, facilitating, and presenting cogently; to and/or for all levels of industry audiences, clients and internal staff and management. Qualification: Pursuing/Completed Actuarial Science Experience: 7 years Show more Show less

A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Use feedback and reflection to develop self awareness, personal strengths and address development areas. Delegate to others to provide stretch opportunities, coaching them to deliver results. Demonstrate critical thinking and the ability to bring order to unstructured problems. Use a broad range of tools and techniques to extract insights from current industry or sector trends. Review your work and that of others for quality, accuracy and relevance. Know how and when to use tools available for a given situation and can explain the reasons for this choice. Seek and embrace opportunities which give exposure to different situations, environments and perspectives. Use straightforward communication, in a structured way, when influencing and connecting with others. Able to read situations and modify behavior to build quality relationships. Uphold the firm's code of ethics and business conduct. We are looking for a highly motivated and experienced insurance underwriting business analyst to join our team. You will play an integral role in supporting our large Property & Casualty (P&C) clients, primarily located in the United States. Additional clients may be large corporations who self-insure or who offer loyalty programs. Your primary role will be preparing insurance underwriting and pricing business requirements for conversion to modern cloud-based technology. You will meet with clients and review their existing rating and underwriting processes and rules. You will review insurance rule manuals from standards organizations such as Insurance Services Office (ISO) and National Council of Compensation Insurance (NCCI). You will apply your knowledge of insurance products and rating formulas to document the new underwriting and rating rules. The results of your work will be provided to a developer for coding into the new system. You will later be involved in quality assurance of the results, checking the calculated premiums from the new system vs. expectations and identifying and quantifying the source of any differences. In addition, you may be involved in other consulting projects that include financial reporting, capital reporting, product pricing, merger and acquisition activities, and operational and organizational consulting. Characteristics of the role include but are not limited to: Preparing deliverables within stringent deadlines Participating actively in team and client discussions and meetings; Keeping leadership informed of progress and issues; Consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Contribute to the development of your own and team’s technical acumen. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Continuous training and proactively learning new processes Requirements Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) or any other relevant degree 1 to 6 years work experience Demonstrated ability and/or a proven record of success with advisory agencies (ISO/NCCI/AAIS), personal, commercial, and specialty product offerings, the insurance contract, product model details, policy administration processes, regulatory and compliance agencies and related business functions. Demonstrates thorough abilities and/or a proven record of success in project activities such as: Writing and designing process maps; Preparing business requirements, documenting ‘As Is’ and ‘To Be’ processes and delivering process flows; Coordinating project input; Demonstrating ability to formally documenting functions; Writing process documentation; Demonstrating experience of making prompt and practical business decisions. Demonstrates thorough abilities and/or a proven record of success in insurance business applications such as: Policy administration; Enterprise data warehouse; and, Document management systems (production, imaging, storage) - as a functional user or as a business system analyst. Required certification or progress towards one of AICPCU Certifications - Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Claims (AIC), Associate in Underwriting (AU), Associate in Reinsurance (ARe), Associate in Insurance (AINS) Preferred Certifications or experience in one of vendor business applications - E.g. Guidewire (strongly preferred), Duck Creek, MajescoMastek, EIS, Exigen; CSC or One Shield, and Certified Business Analyst (CBAP) or Certification of Competency in Business Analysis (CCBA) Preference for pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) Advance knowledge on Microsoft Office especially Excel Preferred knowledge of Data Analytics – Python, SQL Fluent written and verbal English communication skills Strong preference for working schedule from 2:00pm to 10:00pm IST. Show more Show less

A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As an Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Invite and give in the moment feedback in a constructive manner. Share and collaborate effectively with others. Identify and make suggestions for improvements when problems and/or opportunities arise. Handle, manipulate and analyse data and information responsibly. Follow risk management and compliance procedures. Keep up-to-date with developments in area of specialism. Communicate confidently in a clear, concise and articulate manner - verbally and in the materials I produce. Build and maintain an internal and external network. Seek opportunities to learn about how PwC works as a global network of firms. Uphold the firm's code of ethics and business conduct. You will play an integral role in leveraging sophisticated actuarial software to develop, test and run models that perform a variety of complex calculations for our life, annuity, and health insurance clients which includes the following but are not limited to: Supporting the audits of several of the largest insurers in the world. This includes public, private and mutual insurers. It also includes the insurance operations of several banks and private equity firms. Primarily using Axis and Prophet but also using other vendor software or work on models developed by our clients. Designing, building and testing new models for our clients. We also convert existing models to models supported by other vendors. The models are used for financial and capital reporting, testing client’s models, and mergers and acquisitions activities. Using these actuarial models, our team also performs valuation and reporting services for our clients as part of our managed service offering. Specific Responsibilities Include But Are Not Limited To Participating in a wide range of projects and collaborating across multiple work streams or teams; consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Ability to prepare deliverables within stringent deadlines. Keep up to date with local, national and international business and economic issues. Contribute to the development of your own and team’s technical acumen. Serve as participant on communications with numerous Engagement teams A career in this practice will provide you the opportunity to help organizations by providing technical actuarial services. You will have the opportunity to specialize in some of the Following Demonstrating some proven knowledge of, and/or success in managerial roles involving, technical actuarial subject matter specialization, especially in Life or Non-Life industry and regulatory developments. Demonstrating some proven knowledge of database structures and data process flows. Demonstrates some proven abilities and/or success with using actuarial software, preferably Axis or Prophet. Demonstrating some proven abilities and/or success as a team leader: creating a positive environment by monitoring workloads of the team while meeting client expectations and respecting the work-life quality of team members; providing candid, meaningful feedback in a timely manner; keeping leadership informed of progress and issues; answering questions and providing direction to less-experienced staff. Demonstrating some proven level abilities and/or success with writing, communicating, facilitating, and presenting cogently; to and/or for all levels of industry audiences, clients and internal staff and management. Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) with focus on actuarial methods and Principals Along With Following Certifications / Degree Actively pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) with a minimum of 2 Actuarial Exams Work Experience ranges as below: Associate – 0 to 1 year for the members / associate of Actuarial Institutions Associate 2 – 1 to 2 years for the members / associate of Actuarial Institutions Work Experience from following organisations: Big 4s – similar experience Any of the 24 registered Life Insurance Companies in India like LIC, HDFC Life, ICICI Pru, etc. Financial Consultancy / Financial Advisor Companies – Willis Towers Watson, Milliman, WNS Global Services, Numerica, Accenture General Insurance Corporation of India (GIC) Foreign Reinsurance Companies – Swiss Re, Munich Re, Scor SE, Hannover Re, RGA Life, XL Insurance Company SE, General Reinsurance AG, AXA France Vie, Allianz Global Corporate & Specialist SE Advance knowledge on Microsoft Office especially Excel An additional knowledge of either of the following would be Preferred Data Analytics – Python, SQL Visualization Tools (Tableau, PowerBI, QuickSight) VBA programming Proficient written and verbal English communication skills Commitment to continuous training and to proactively learn new processes Team player – committed to providing high quality and maintaining timeliness Demonstrated self-motivation and a desire to take responsibility for personal growth and development. 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A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Use feedback and reflection to develop self awareness, personal strengths and address development areas. Delegate to others to provide stretch opportunities, coaching them to deliver results. Demonstrate critical thinking and the ability to bring order to unstructured problems. Use a broad range of tools and techniques to extract insights from current industry or sector trends. Review your work and that of others for quality, accuracy and relevance. Know how and when to use tools available for a given situation and can explain the reasons for this choice. Seek and embrace opportunities which give exposure to different situations, environments and perspectives. Use straightforward communication, in a structured way, when influencing and connecting with others. Able to read situations and modify behavior to build quality relationships. Uphold the firm's code of ethics and business conduct. We are looking for a highly motivated and experienced insurance underwriting business analyst to join our team. You will play an integral role in supporting our large Property & Casualty (P&C) clients, primarily located in the United States. Additional clients may be large corporations who self-insure or who offer loyalty programs. Your primary role will be preparing insurance underwriting and pricing business requirements for conversion to modern cloud-based technology. You will meet with clients and review their existing rating and underwriting processes and rules. You will review insurance rule manuals from standards organizations such as Insurance Services Office (ISO) and National Council of Compensation Insurance (NCCI). You will apply your knowledge of insurance products and rating formulas to document the new underwriting and rating rules. The results of your work will be provided to a developer for coding into the new system. You will later be involved in quality assurance of the results, checking the calculated premiums from the new system vs. expectations and identifying and quantifying the source of any differences. In addition, you may be involved in other consulting projects that include financial reporting, capital reporting, product pricing, merger and acquisition activities, and operational and organizational consulting. Characteristics of the role include but are not limited to: Preparing deliverables within stringent deadlines Participating actively in team and client discussions and meetings; Keeping leadership informed of progress and issues; Consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Contribute to the development of your own and team’s technical acumen. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Continuous training and proactively learning new processes Requirements Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) or any other relevant degree 1 to 6 years work experience Demonstrated ability and/or a proven record of success with advisory agencies (ISO/NCCI/AAIS), personal, commercial, and specialty product offerings, the insurance contract, product model details, policy administration processes, regulatory and compliance agencies and related business functions. Demonstrates thorough abilities and/or a proven record of success in project activities such as: Writing and designing process maps; Preparing business requirements, documenting ‘As Is’ and ‘To Be’ processes and delivering process flows; Coordinating project input; Demonstrating ability to formally documenting functions; Writing process documentation; Demonstrating experience of making prompt and practical business decisions. Demonstrates thorough abilities and/or a proven record of success in insurance business applications such as: Policy administration; Enterprise data warehouse; and, Document management systems (production, imaging, storage) - as a functional user or as a business system analyst. Required certification or progress towards one of AICPCU Certifications - Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Claims (AIC), Associate in Underwriting (AU), Associate in Reinsurance (ARe), Associate in Insurance (AINS) Preferred Certifications or experience in one of vendor business applications - E.g. Guidewire (strongly preferred), Duck Creek, MajescoMastek, EIS, Exigen; CSC or One Shield, and Certified Business Analyst (CBAP) or Certification of Competency in Business Analysis (CCBA) Preference for pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) Advance knowledge on Microsoft Office especially Excel Preferred knowledge of Data Analytics – Python, SQL Fluent written and verbal English communication skills Strong preference for working schedule from 2:00pm to 10:00pm IST. Show more Show less

Job Description Wealth Management Across Wealth Management, Goldman Sachs helps empower clients and customers around the world to reach their financial goals. Our advisor-led wealth management businesses provide financial planning, investment management, banking and comprehensive advice to a wide range of clients, including ultra-high net worth and high net worth individuals, as well as family offices, foundations and endowments, and corporations and their employees. Our consumer business provides digital solutions for customers to better spend, borrow, invest, and save. Across Wealth Management, our growth is driven by a relentless focus on our people, our clients and customers, and leading-edge technology, data and design. OUR IMPACT The Private Bank is a business unit of the Asset and Wealth Management Division (AWM) that provides tailored banking and lending products, such as deposits, bank loans, mortgages and margin financing, to high-net-worth clients of the firm’s global Wealth Management businesses. This role is on the Private Bank’s Deposit Team will work cross-functionally with internal partners and external clients to deliver on deposit balance and revenue goals. How You Will Fulfill Your Potential We are looking for an [Analyst or Associate] to join the Private Bank Deposits Team. New joiner will be an integral part of team responsible for daily management of the PB deposits business including deposit pricing and risk analytics, marketing the product and special promotions to advisors and client, developing and executing new product strategy, and managing the business day to day. Pricing & Analytics Conduct daily and ad hoc pricing and risk analysis to inform standard and exception deposit pricing on an ongoing basis including transaction specific deposit product pricing, e.g., trading term deposits and partnering with advisors to win new assets Perform regular business projections and mark to market against business plan both of which inform overall business strategy Develop and use dashboards to monitor performance against balance and revenue goals Monitor and manage the book within all relevant market risk, liquidity risk limits Run regular competitor analysis for deposit products and ranking across markets Business Management Create overall product strategy for deposits including defining and prioritizing new products, identifying infrastructure and process improvements to enhance performance against goals, managing issues that arise in the normal course of business Develop and maintain deposit policies, procedures and processes to operate the business effectively and in compliance with all relevant global regulations Support strategic initiatives and projects including banking service feature launches, new products, new branches or regions, changes to pricing or operational frameworks Client Relationship Management Regional advisor and client coverage including regular interface to drive usable deposit balances, participation in ISG calls or other marketing forums, etc. Develop marketing materials for use with advisors and clients including market updates, banking service marketing, general marketing and promotions Assist with client call preparation by creating review materials, pitchbooks and account reviews. Skills & Experience We’re Looking For A Bachelor’s degree, MBA preferred Foundational knowledge of deposit instruments, liquidity risk or treasury solutions is a plus Experience within financial services, preferably with a quantitative background Ability to work in a fast-paced environment, be organized and think clearly under pressure Strong verbal and written communication skills Attention to detail with ability to operate independently Eager to work in an entrepreneurial environment Collaborative, energetic, enthusiastic, and a self-starter About Goldman Sachs At Goldman Sachs, we commit our people, capital and ideas to help our clients, shareholders and the communities we serve to grow. Founded in 1869, we are a leading global investment banking, securities and investment management firm. Headquartered in New York, we maintain offices around the world. We believe who you are makes you better at what you do. We're committed to fostering and advancing diversity and inclusion in our own workplace and beyond by ensuring every individual within our firm has a number of opportunities to grow professionally and personally, from our training and development opportunities and firmwide networks to benefits, wellness and personal finance offerings and mindfulness programs. Learn more about our culture, benefits, and people at GS.com/careers. We’re committed to finding reasonable accommodations for candidates with special needs or disabilities during our recruiting process. Learn more: https://www.goldmansachs.com/careers/footer/disability-statement.html © The Goldman Sachs Group, Inc., 2025. All rights reserved. Goldman Sachs is an equal employment/affirmative action employer Show more Show less

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

A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As an Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Invite and give in the moment feedback in a constructive manner. Share and collaborate effectively with others. Identify and make suggestions for improvements when problems and/or opportunities arise. Handle, manipulate and analyse data and information responsibly. Follow risk management and compliance procedures. Keep up-to-date with developments in area of specialism. Communicate confidently in a clear, concise and articulate manner - verbally and in the materials I produce. Build and maintain an internal and external network. Seek opportunities to learn about how PwC works as a global network of firms. Uphold the firm's code of ethics and business conduct. You will play an integral role in supporting our life, annuity, and health clients in a variety of ways which includes the following but Are Not Limited To Supporting the audits of several of the largest insurers in the world. This includes public, private and mutual insurers. It also includes the insurance operations of several banks and private equity firms. Performing a variety of consulting projects that include financial reporting, capital reporting, product pricing. We also perform operational and organizational consulting for our clients. Supports buyers and sellers in merger and acquisition activities. This includes analysis of the underlying products and services as well as potential risks and other elements that affect the price of the deal. Performing detailed model validations of underlying reserves and other actuarially determined balances across multiple reporting and regulator bases. This work supports audits and consulting engagements. Specific Responsibilities Include But Are Not Limited To Participating in a wide range of projects and collaborating across multiple work streams or teams; consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Ability to prepare deliverables within stringent deadlines. Keep up to date with local, national and international business and economic issues. Contribute to the development of your own and team’s technical acumen. Serve as participant on communications with numerous Engagement teams A career in this practice will provide you the opportunity to help organizations by providing actuarial and insurance services. You will have the opportunity to specialize in some of The Following Participate in providing clients advice and counsel in the areas of process improvement, risk and capital management, value analyses and actuarial and quantitative modeling; Participate in a wide range of projects; consistently demonstrating creative thinking and individual initiative; Participate in a wide range of projects; consistently demonstrating creative thinking and individual initiative; Demonstrate teamwork dynamics through working as a team member; Identify and address client needs; and, Demonstrate flexibility in prioritizing and completing tasks while exercising professional scepticism. Demonstrate ability to research and analyse pertinent client, industry, and technical matters; Experience demonstrating strong problem-solving skills and the ability to prioritize and manage multiple tasks; Ability to interact with various levels of client and firm management through both written and verbal communications; and, Ability to self-motivate and take responsibility for personal growth and development. Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) with focus on actuarial methods and Principals Along With Following Certifications / Degree Actively pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) with a minimum of 2 Actuarial Exams Work Experience ranges as below: Associate – 0 to 1 year for the members / associate of Actuarial Institutions Associate 2 – 1 to 2 years for the members / associate of Actuarial Institutions Work Experience from following organisations: Big 4s – similar experience Any of the 24 registered Life Insurance Companies in India like LIC, HDFC Life, ICICI Pru, etc. Financial Consultancy / Financial Advisor Companies – Willis Towers Watson, Milliman, WNS Global Services, Numerica, Accenture General Insurance Corporation of India (GIC) Foreign Reinsurance Companies – Swiss Re, Munich Re, Scor SE, Hannover Re, RGA Life, XL Insurance Company SE, General Reinsurance AG, AXA France Vie, Allianz Global Corporate & Specialist SE Advance knowledge on Microsoft Office especially Excel An additional knowledge of either of the following would be Preferred Data Analytics – Python, SQL Visualization Tools (Tableau, PowerBI, QuickSight) VBA programming Proficient written and verbal English communication skills Commitment to continuous training and to proactively learn new processes Team player – committed to providing high quality and maintaining timeliness Demonstrated self-motivation and a desire to take responsibility for personal growth and development. 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A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As an Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Invite and give in the moment feedback in a constructive manner. Share and collaborate effectively with others. Identify and make suggestions for improvements when problems and/or opportunities arise. Handle, manipulate and analyse data and information responsibly. Follow risk management and compliance procedures. Keep up-to-date with developments in area of specialism. Communicate confidently in a clear, concise and articulate manner - verbally and in the materials I produce. Build and maintain an internal and external network. Seek opportunities to learn about how PwC works as a global network of firms. Uphold the firm's code of ethics and business conduct. You will play an integral role in supporting our large P&C clients as well as a variety of cross-industry clients who either self-insure or offer loyalty programs in a variety of ways which includes the Following But Are Not Limited To Supporting the audits of several of the largest insurers in the world. This includes public, private and mutual insurers. It also includes dozens of large firms across multiple industries. Performing a variety of consulting projects that include financial reporting, capital reporting, product pricing. We also perform operational and organizational consulting for our clients. Supporting buyers and sellers in merger and acquisition activities. This includes analysis of the underlying products and services as well as potential risks and other elements that affect the price of the deal. Help them design, develop and value warrantee programs across multiple industries. Specific Responsibilities Include But Are Not Limited To Participating in a wide range of projects and collaborating across multiple work streams or teams; consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Ability to prepare deliverables within stringent deadlines. Keep up to date with local, national and international business and economic issues. Contribute to the development of your own and team’s technical acumen. Serve as participant on communications with numerous Engagement teams A career in this practice will provide you the opportunity to help organizations by providing core actuarial and insurance services. You will have the opportunity to specialize in some of The Following Participating in providing clients advice and counsel in the areas of process improvement, risk and capital management, value analyses and actuarial and quantitative modeling; Participating in a wide range of projects; consistently demonstrating creative thinking and individual initiative; Demonstrating teamwork dynamics through working as a team member; Identifying and addressing client needs; and, Demonstrating flexibility in prioritizing and completing tasks while exercising professional scepticism. Demonstrating ability to research and analyse pertinent client, industry, and technical matters; Experience demonstrating strong problem-solving skills and the ability to prioritize and manage multiple tasks; Ability to interact with various levels of client and firm management through both written and verbal communications; and, Ability to self-motivate and take responsibility for personal growth and development. Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) with focus on actuarial methods and Principals Along With Following Certifications / Degree Actively pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) with a minimum of 2 Actuarial Exams Certification requirement may be waived if the candidate has more experience in the relevant field Work Experience ranges as below: Associate – 0 to 1years for the members / associate of Actuarial Institutions Associate 2 – 1 to 2 years for the members / associate of Actuarial Institutions Work Experience from following organisations: Big 4s – similar experience Any of the 24 registered Life Insurance Companies in India like LIC, HDFC Life, ICICI Pru, etc. Financial Consultancy / Financial Advisor Companies – Willis Towers Watson, Milliman, WNS Global Services, Numerica, Accenture General Insurance Corporation of India (GIC) Foreign Reinsurance Companies – Swiss Re, Munich Re, Scor SE, Hannover Re, RGA Life, XL Insurance Company SE, General Reinsurance AG, AXA France Vie, Allianz Global Corporate & Specialist SE Advance knowledge on Microsoft Office especially Excel An additional knowledge of either of the following would be Preferred Data Analytics – Python, SQL Visualization Tools (Tableau, PowerBI, QuickSight) VBA programming Proficient written and verbal English communication skills Commitment to continuous training and to proactively learn new processes Team player – committed to providing high quality and maintaining timeliness Demonstrated self-motivation and a desire to take responsibility for personal growth and development. 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A career within Actuarial Services, will provide you with the opportunity to contribute general insurance advice and consulting services to clients such as insurers, banks, regulators, and third party administrators. You’ll provide advice covering solvency, economic capital, risk management, mergers and acquisitions, company restructuring and risk control, financial modelling, underwriting, new legislation, and the efficiency of claims or reporting processes. Simply put, you might help analyse the impact that new regulation will have on an insurance company’s balance sheet or you could be revising businesses’ projections and making sure they have adequate reserves. To really stand out and make us fit for the future in a constantly changing world, each and every one of us at PwC needs to be a purpose-led and values-driven leader at every level. To help us achieve this we have the PwC Professional; our global leadership development framework. It gives us a single set of expectations across our lines, geographies and career paths, and provides transparency on the skills we need as individuals to be successful and progress in our careers, now and in the future. Responsibilities As a Senior Associate, you'll work as part of a team of problem solvers, helping to solve complex business issues from strategy to execution. PwC Professional skills and responsibilities for this management level include but are not limited to: Use feedback and reflection to develop self awareness, personal strengths and address development areas. Delegate to others to provide stretch opportunities, coaching them to deliver results. Demonstrate critical thinking and the ability to bring order to unstructured problems. Use a broad range of tools and techniques to extract insights from current industry or sector trends. Review your work and that of others for quality, accuracy and relevance. Know how and when to use tools available for a given situation and can explain the reasons for this choice. Seek and embrace opportunities which give exposure to different situations, environments and perspectives. Use straightforward communication, in a structured way, when influencing and connecting with others. Able to read situations and modify behavior to build quality relationships. Uphold the firm's code of ethics and business conduct. Additional Job Description We are looking for a highly motivated and experienced insurance underwriting business analyst to join our team. You will play an integral role in supporting our large Property & Casualty (P&C) clients, primarily located in the United States. Additional clients may be large corporations who self-insure or who offer loyalty programs. Your primary role will be preparing insurance underwriting and pricing business requirements for conversion to modern cloud-based technology. You will meet with clients and review their existing rating and underwriting processes and rules. You will review insurance rule manuals from standards organizations such as Insurance Services Office (ISO) and National Council of Compensation Insurance (NCCI). You will apply your knowledge of insurance products and rating formulas to document the new underwriting and rating rules. The results of your work will be provided to a developer for coding into the new system. You will later be involved in quality assurance of the results, checking the calculated premiums from the new system vs. expectations and identifying and quantifying the source of any differences. In addition, you may be involved in other consulting projects that include financial reporting, capital reporting, product pricing, merger and acquisition activities, and operational and organizational consulting. Characteristics of the role include but are not limited to: Preparing deliverables within stringent deadlines Participating actively in team and client discussions and meetings; Keeping leadership informed of progress and issues; Consistently demonstrating creative thinking, individual initiative and timely completion of assigned work. Contribute to the development of your own and team’s technical acumen. Consistently demonstrating teamwork dynamics by working as a team member: understanding personal and team roles; contributing to a positive working environment by building solid relationships with team members; proactively seek guidance, clarification and feedback. Continuous training and proactively learning new processes Requirements Bachelor’s in finance/Economics/Mathematics/Statistics (B. Com, B.A (Economics) B.Sc. with Economics / Mathematics / Statistics Hons) or any other relevant degree 1 to 6 years work experience Demonstrated ability and/or a proven record of success with advisory agencies (ISO/NCCI/AAIS), personal, commercial, and specialty product offerings, the insurance contract, product model details, policy administration processes, regulatory and compliance agencies and related business functions. Demonstrates thorough abilities and/or a proven record of success in project activities such as: Writing and designing process maps; Preparing business requirements, documenting ‘As Is’ and ‘To Be’ processes and delivering process flows; Coordinating project input; Demonstrating ability to formally documenting functions; Writing process documentation; Demonstrating experience of making prompt and practical business decisions. Demonstrates thorough abilities and/or a proven record of success in insurance business applications such as: Policy administration; Enterprise data warehouse; and, Document management systems (production, imaging, storage) - as a functional user or as a business system analyst. Required certification or progress towards one of AICPCU Certifications - Chartered Property & Casualty Underwriter (CPCU), Associate in Risk Management (ARM), Associate in Claims (AIC), Associate in Underwriting (AU), Associate in Reinsurance (ARe), Associate in Insurance (AINS) Preferred Certifications or experience in one of vendor business applications - E.g. Guidewire (strongly preferred), Duck Creek, MajescoMastek, EIS, Exigen; CSC or One Shield, and Certified Business Analyst (CBAP) or Certification of Competency in Business Analysis (CCBA) Preference for pursuing Membership / Associateship of the Institute and Faculty of Actuaries / Institute of Actuaries of India (or equivalent) Advance knowledge on Microsoft Office especially Excel Preferred knowledge of Data Analytics – Python, SQL Fluent written and verbal English communication skills Strong preference for working schedule from 2:00pm to 10:00pm IST. Show more Show less

Job Requirements Role/Job Title: Technical Manager Business: Retail Banking Roles & Responsibilities 'Monitoring and adhering to process, technical policy, project approval policy Develop new policies/ initiatives & lead to region specific innovations. Project Approval grid through Developer Categorization Suggest process improvement & effective implementation of same Conducting spot checks at various locations and suggest region specific amendments to increase business and mitigate risk. Monitor technical evaluation process Manage vendors involved in the technical evaluation process. Ability to lead and nurture team, maintain quality, partner with business, maintaining portfolio quality. Train and evaluate the proficiency levels of the team on the regular basis, including cross functional trainings. Maintain TAT targets for the technical evaluation process. Secondary Responsibilities ' Ensure capability building and up-skilling of the team by providing adequate training to team to meet the requirements of the role and be able to handle market dynamics Responsible for delivering best in class merchant onboarding experience Key Success Metrics Acquisition, Portfolio Quality Underwriting Portfolio quality parameters Show more Show less

Work Type: Full-time | On-site| Working Hours: Standard business hours Location - Mumbai, India Compensation (Yearly): ₹800,000 – ₹1,300,000 Note: If shortlisted, we’ll contact you via WhatsApp and email. Please monitor both and respond promptly. About The Client We are hiring for a financial services provider operating in the NBFC space, focused on business and secured lending solutions. The organization is scaling operations and seeks strong risk governance and credit control mechanisms. About The Role We are looking for an experienced Risk Manager with a strong background in NBFC-secured lending, especially Loan Against Property (LAP) and business loans. The role involves evaluating borrower creditworthiness, approving secured loans, and drafting SOPs and risk policies. You'll collaborate with underwriting and collections teams, ensuring compliance with RBI guidelines and risk tolerance thresholds. Key Responsibilities Independently evaluate and sanction secured loans (LAP, MSME, WC Loans) Assess borrower creditworthiness and enforce risk mitigation policies Analyze banking and financial statements for credit decisions Collaborate with collections to control NPAs and improve recoveries Draft and implement SOPs and credit policies aligned with compliance standards Monitor regulatory changes and ensure policy updates accordingly Generate regular risk dashboards and insights for management Align credit strategy with business goals through collaboration with underwriting teams Must-Have Qualifications 3–6 years’ experience in risk management in an NBFC or bank Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred) Strong knowledge of RBI regulations and lending compliance Hands-on experience with LOS, LMS, and credit risk models Excellent written/verbal communication and decision-making ability under pressure Show more Show less

Work Type: Full-time | On-site| Working Hours: Standard business hours Location - Mumbai, India Compensation (Yearly): ₹800,000 – ₹1,300,000 Note: If shortlisted, we’ll contact you via WhatsApp and email. Please monitor both and respond promptly. About The Client We are hiring for a financial services provider operating in the NBFC space, focused on business and secured lending solutions. The organization is scaling operations and seeks strong risk governance and credit control mechanisms. About The Role We are looking for an experienced Risk Manager with a strong background in NBFC-secured lending, especially Loan Against Property (LAP) and business loans. The role involves evaluating borrower creditworthiness, approving secured loans, and drafting SOPs and risk policies. You'll collaborate with underwriting and collections teams, ensuring compliance with RBI guidelines and risk tolerance thresholds. Key Responsibilities Independently evaluate and sanction secured loans (LAP, MSME, WC Loans) Assess borrower creditworthiness and enforce risk mitigation policies Analyze banking and financial statements for credit decisions Collaborate with collections to control NPAs and improve recoveries Draft and implement SOPs and credit policies aligned with compliance standards Monitor regulatory changes and ensure policy updates accordingly Generate regular risk dashboards and insights for management Align credit strategy with business goals through collaboration with underwriting teams Must-Have Qualifications 3–6 years’ experience in risk management in an NBFC or bank Bachelor’s/Master’s in Finance, Economics, or Business (MBA/CFA/FRM preferred) Strong knowledge of RBI regulations and lending compliance Hands-on experience with LOS, LMS, and credit risk models Excellent written/verbal communication and decision-making ability under pressure Show more Show less