5922 Underwriting Jobs - Page 47

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 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: Develop new skills outside of comfort zone. Act to resolve issues which prevent the team working effectively. Coach others, recognise their strengths, and encourage them to take ownership of their personal development. Analyse complex ideas or proposals and build a range of meaningful recommendations. Use multiple sources of information including broader stakeholder views to develop solutions and recommendations. Address sub-standard work or work that does not meet firm's/client's expectations. Use data and insights to inform conclusions and support decision-making. Develop a point of view on key global trends, and how they impact clients. Manage a variety of viewpoints to build consensus and create positive outcomes for all parties. Simplify complex messages, highlighting and summarising key points. 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 extensive thorough 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. Qualification - Minimum Educational Qualifications :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" Relevant Qualification - Associate of the IAI / IFoA (or equivalent) required Fellow of the IAI / IFoA (or equivalent) Preferred or Actively pursuing the Fellowship of the IAI / IFoA (or equivalent) Certification requirement may be waived if the candidate has more experience in the relevant field" Experience - 5+ years

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 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: Develop new skills outside of comfort zone. Act to resolve issues which prevent the team working effectively. Coach others, recognise their strengths, and encourage them to take ownership of their personal development. Analyse complex ideas or proposals and build a range of meaningful recommendations. Use multiple sources of information including broader stakeholder views to develop solutions and recommendations. Address sub-standard work or work that does not meet firm's/client's expectations. Use data and insights to inform conclusions and support decision-making. Develop a point of view on key global trends, and how they impact clients. Manage a variety of viewpoints to build consensus and create positive outcomes for all parties. Simplify complex messages, highlighting and summarising key points. 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 extensive thorough 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. Qualification - Minimum Educational Qualifications :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" Relevant Qualification - Associate of the IAI / IFoA (or equivalent) required Fellow of the IAI / IFoA (or equivalent) Preferred or Actively pursuing the Fellowship of the IAI / IFoA (or equivalent) Certification requirement may be waived if the candidate has more experience in the relevant field" Experience - 5+ years

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.

About This Role Wells Fargo is seeking a Business Execution Associate. In This Role, You Will Participate in planning and executing a variety of programs, services, and initiatives, and monitor key indicators to ensure effective performance and control management of assigned operations or business groups Review basic initiatives including policy or process changes, process improvements, technology enhancements, and conduct regular reviews to identify efficiencies and cost savings opportunities Receive direction from leaders and exercise independent judgement while developing an understanding of policies and procedures, best practices, and initiatives Collaborate and consult with mid-level managers or cross-functional business partners Provide work directions to less experienced Strategy and Execution staff Required Qualifications: 6+ months of Business Execution, Implementation, or Strategic Planning experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Work closely with both internal stakeholders and users to meet their service needs Apply technical knowledge and expertise to perform work and action requests Strong MS Office knowledge to manage and structure the available data and to clean and transform the data to use it further Overall experience in reading and interpreting various loan documents and financial statements. Credit background; strong familiarity with legal documents related to credit facilities - Credit agreements, security agreements, W-9s and Tax Documents, Underwriting Memos, Guarantor Documents, Credit Memos etc. Understanding of different elements of a Loan Agreement Understanding of different credit facilities - Revolving Line of Credit, Term Loan, Swinglines, Letter of Credits, Standby Letter of Credits Understanding of the Loan Lifecycle Experience with Loan SORs and SOOs - Loan IQ, Delta, CORS, Credit View, AFS Detailed understanding of an underwriting memo Demonstrates awareness and understanding of the financial regulatory environment in which Wells Fargo operates Synthesizes complex or varied sources of information to create reports Provides summaries and supporting information to build effective narratives and enhance report utility Effective organizational, multi-tasking, and prioritizing skills Excellent verbal, written and interpersonal communication skills Solid problem solving and decision-making skills Proficient in Microsoft Outlook and Excel with ability to develop and comprehend complex functions and macros. Willing to work in mid-shift working hours - 1:30 PM to 10:30 PM IST Posting End Date: 20 Jul 2025 Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants With Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo . Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment And Hiring Requirements Third-Party recordings are prohibited unless authorized by Wells Fargo. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. Reference Number R-473354

You will be responsible for personally reviewing cases in accordance with established policies and procedures, ensuring strict adherence to quality standards. It is essential to comply with agreed Service Level Agreements (SLAs) and timelines for timely completion of assigned tasks. Your role will involve utilizing a skill set encompassing underwriting, disbursements, collateral evaluation, and coordination with various sales and operational functions. Protecting company assets will be a key aspect of your responsibilities by thoroughly evaluating credit requests, setting appropriate credit limits, and ensuring all granted loans are well-documented and secured by suitable collateral. Effective communication of credit decisions to stakeholders is crucial. You will also be tasked with enhancing underwriting efficiencies while maintaining sound risk management practices. Additionally, you will handle Loan Account Verification, conduct Cross Verifications such as Member House Visits, perform KYC checks, review bank passbooks and other documents, assess income and expenses, verify the influence of intermediaries, conduct inspections in negative areas, verify CPCChecklists, check loan cards from other lending institutions, monitor loan buckets, verify death cases, ensure branch compliances, and complete ICQ observations.,

As a part of a fintech start-up with a vision to revolutionize the lending industry in India, your role will be crucial in building a strong brand that offers easy and fast credit solutions to all salaried employees. You will be responsible for managing a team of Credit Verification Officers, ensuring their training, supervision, and performance evaluation to maintain productivity and adherence to timelines. Your main tasks will include leading the team in conducting thorough RV/OV Verification of applications to detect any fraudulent activities, collaborating with stakeholders to enhance credit verification processes, and providing guidance to handle complex credit verification cases effectively. It will be essential for you to stay updated with industry regulations and best practices in credit management to ensure compliance and efficiency. Additionally, you will be required to prepare regular reports on team performance, identify areas for process improvement, and work towards implementing strategies for better credit verification outcomes. Your skills in performance monitoring, reporting, credit verification, team management, process improvement, regulatory compliance, fraud detection, strategy development, credit management, and underwriting will play a significant role in achieving the company's objectives. Overall, your contribution will be instrumental in establishing a trusted and efficient credit verification system that aligns with the company's vision and values.,

As an Underwriting Associate at Accenture, you will be responsible for supporting the regional UA Manager in overseeing all daily business activities related to Property & Casualty Underwriting or Policy Servicing. With 1 to 3 years of experience in the field, you will act as the first point of contact for all UAs in the region, triage submissions for missing information, and follow up with brokers for outstanding items. Your role will involve issuing policies, endorsements, and cancellations, preparing policy writing instructions, premium billings, and processing individual policy filings. You will assist underwriters in preparing business and metric reports, reviewing procedures to resolve issues, and performing quality control of premium audit statements before underwriting review. Additionally, having experience in Re-Insurance Fac and Treaty business would be considered a plus. Accenture is a global professional services company with expertise in digital, cloud, and security solutions. With a workforce of 699,000 people serving clients in over 120 countries, we strive to create value and shared success for our clients, people, shareholders, partners, and communities through the power of technology and human ingenuity. If you have 6-8 years of experience in Property & Casualty Underwriting or Policy Servicing, across shared services or Third-Party BPO service providers, and possess a degree in any graduation, we encourage you to explore this opportunity to be part of our team. Visit us at www.accenture.com for more information.,

The primary responsibility of an Underwriter is to review mortgage files submitted for underwriting. This role involves tasks such as calculating income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. Additionally, you will be required to input data into the client's loan operating system, use automated underwriting systems for approvals, and clear conditions for Final Approval. It is crucial for candidates to exhibit a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Your essential job functions will include conducting comprehensive reviews of mortgage loan files, ensuring accurate data entry into the loan operating system, underwriting loans based on client guidelines, evaluating loan documents for accuracy and compliance, identifying and addressing any red flags, issuing loan decisions, approving conditions, delivering exceptional customer service, staying updated on client and investor requirements, resolving underwriting-related issues, and assisting Processors/Loan Officers in understanding underwriting decisions and conditions. You must be capable of managing a high-stress environment while maintaining a high level of customer service and be willing to work beyond regular hours when needed. To qualify for this role, you must have a minimum of 2+ years of current conventional mortgage loan underwriting experience, a strong understanding of income calculations, tax returns, credit reports, and red flag identification, basic knowledge of appraisals and property eligibility, familiarity with GSE underwriting guidelines and automated underwriting engines, strong analytical and communication skills, attention to detail, effective time management skills, adaptability to a production-oriented environment, willingness to collaborate in a team, proficiency in working across multiple systems in a paperless setup, readiness to work in a secure environment, and preference for NMLS-MLO Licensure. Candidates should also be prepared to work outside of regular business hours as required.,

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

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

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

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

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

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

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

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

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

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

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

Job Description Objectives of this role Stakeholder Engagement: Foster strong relationships with stakeholders to understand their needs and align business objectives with technology solutions. Requirements Gathering: Lead the requirements gathering process to identify business needs and document functional and non-functional requirements accurately. Data Analysis and Reporting: Utilize data analysis tools to generate insights that inform business decisions and track project performance metrics. Process Improvement: Identify opportunities for process optimization and recommend solutions to enhance operational efficiency and effectiveness. Documentation Standards: Establish and maintain documentation standards to ensure clarity and consistency in project deliverables Change Management: Assist in change management initiatives to ensure smooth transitions for stakeholders and users when implementing new systems or processes. Responsibilities Requirements Elicitation: Engage with stakeholders to gather and document detailed business requirements, ensuring a clear understanding of their needs. Data Analysis: Analyse data trends and metrics to provide insights that inform business strategies and decision-making. Process Mapping: Create and analyse process maps to identify inefficiencies and areas for improvement, recommending solutions to optimize workflows. Project Leadership: Lead cross-functional teams in project initiatives, ensuring alignment between business objectives and technical implementation. Documentation: Develop and maintain comprehensive documentation, including business requirements documents, use cases, process flows, and user manuals. Stakeholder Communication: Act as a liaison between business stakeholders and technical teams, facilitating clear communication and understanding of project goals. Testing and Validation: Oversee the testing process to ensure that solutions meet business requirements, including user acceptance testing (UAT) and validation of deliverables. Change Management: Support change management efforts by preparing stakeholders for new systems and processes, providing training, and addressing any concerns. Strategic Planning: Contribute to strategic planning sessions, providing insights and recommendations based on data analysis and market trends. Risk Management: Identify potential risks associated with projects and propose mitigation strategies to ensure successful outcomes. Qualifications Educational Background Bachelor’s Degree: Typically, in Business Administration, Finance, Information Technology, or a related field. Master’s Degree (Optional): An MBA or relevant master’s degree can be advantageous. Professional Experience Usually, 3+ years in business analysis in Life Insurance implementations, with demonstrated experience in leading projects. Industry Knowledge: Familiarity with the specific industry (e.g., finance, healthcare, technology) relevant to the role. Technical Skills Data Analysis Tools: Proficiency in tools such as Excel, SQL, or data visualization software (optional) (e.g., Tableau, Power BI). Requirements Management Tools: Experience with tools like JIRA, Confluence, or similar platforms for tracking requirements and project management. Process Mapping: Knowledge of process modeling techniques and tools (e.g., BPMN, Visio). Certifications (Optional but Beneficial) Soft Skills Communication Skills: Excellent verbal and written communication skills to convey complex information clearly to various stakeholders. Problem-Solving: Strong analytical and critical thinking abilities to identify issues and propose effective solutions. Leadership: Ability to lead teams and influence stakeholders effectively. Interpersonal Skills: Strong relationship-building skills to foster collaboration across departments. About Us For over 50 years, Verisk has been the leading data analytics and technology partner to the global insurance industry by delivering value to our clients through expertise and scale. We empower communities and businesses to make better decisions on risk, faster. At Verisk, you'll have the chance to use your voice and build a rewarding career that's as unique as you are, with work flexibility and the support, coaching, and training you need to succeed. For the eighth consecutive year, Verisk is proudly recognized as a Great Place to Work® for outstanding workplace culture in the US, fourth consecutive year in the UK, Spain, and India, and second consecutive year in Poland. We value learning, caring and results and make inclusivity and diversity a top priority. In addition to our Great Place to Work® Certification, we’ve been recognized by The Wall Street Journal as one of the Best-Managed Companies and by Forbes as a World’s Best Employer and Best Employer for Women, testaments to the value we place on workplace culture. We’re 7,000 people strong. We relentlessly and ethically pursue innovation. And we are looking for people like you to help us translate big data into big ideas. Join us and create an exceptional experience for yourself and a better tomorrow for future generations. Verisk Businesses Underwriting Solutions — provides underwriting and rating solutions for auto and property, general liability, and excess and surplus to assess and price risk with speed and precision Claims Solutions — supports end-to-end claims handling with analytic and automation tools that streamline workflow, improve claims management, and support better customer experiences Property Estimating Solutions — offers property estimation software and tools for professionals in estimating all phases of building and repair to make day-to-day workflows the most efficient Extreme Event Solutions — provides risk modeling solutions to help individuals, businesses, and society become more resilient to extreme events. Specialty Business Solutions — provides an integrated suite of software for full end-to-end management of insurance and reinsurance business, helping companies manage their businesses through efficiency, flexibility, and data governance Marketing Solutions — delivers data and insights to improve the reach, timing, relevance, and compliance of every consumer engagement Life Insurance Solutions – offers end-to-end, data insight-driven core capabilities for carriers, distribution, and direct customers across the entire policy lifecycle of life and annuities for both individual and group. Verisk Maplecroft — provides intelligence on sustainability, resilience, and ESG, helping people, business, and societies become stronger Verisk Analytics is an equal opportunity employer. All members of the Verisk Analytics family of companies are equal opportunity employers. We consider all qualified applicants for employment without regard to race, religion, color, national origin, citizenship, sex, gender identity and/or expression, sexual orientation, veteran's status, age or disability. Verisk’s minimum hiring age is 18 except in countries with a higher age limit subject to applicable law. https://www.verisk.com/company/careers/ Unsolicited resumes sent to Verisk, including unsolicited resumes sent to a Verisk business mailing address, fax machine or email address, or directly to Verisk employees, will be considered Verisk property. Verisk will NOT pay a fee for any placement resulting from the receipt of an unsolicited resume. Verisk Employee Privacy Notice

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

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

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

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

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