Job Summary We are seeking a skilled and detail-oriented Non-QM Loan Underwriter to join our team supporting U.S.-based lenders. The role involves the manual underwriting of Non-Qualified Mortgage (Non-QM) loan files, requiring in-depth analysis of complex borrower profiles, alternative income documentation, and investor-specific guidelines. The ideal candidate will bring a strong understanding of non-QM programs, risk assessment, and credit evaluation, while working in close coordination with onshore stakeholders. Key Responsibilities Manually underwrite Non-QM loan files by evaluating full income, asset, credit, and collateral documentation. Analyze alternative income types such as bank statements, P&L statements, 1099s, DSCR, and asset depletion. Review files for completeness, accuracy, and eligibility based on lender-specific Non-QM guidelines and overlays. Conduct detailed risk assessment and write clear and concise underwriting rationale. Communicate and clear underwriting conditions in coordination with processors and loan officers. Maintain productivity and quality standards as per client-defined SLAs. Ensure compliance with internal policies, investor requirements, and applicable federal regulations. Participate in file audits and assist in responding to post-closing and QC inquiries. Qualifications 3 5 years of U.S. mortgage underwriting experience with at least 1 2 years in Non-QM . In-depth knowledge of Non-QM programs including Bank Statement, DSCR, 1099, CPA/P&L, and Asset Utilization loans. Proficiency in manual underwriting and documentation of non-agency loan decisions. Strong understanding of U.S. credit, income documentation, and property appraisal norms. Experience with LOS platforms (e.g., LendingPad, Encompass, Calyx) and document management systems. Strong English communication skills (written and verbal). Willingness to work in U.S. time zone shifts (EST/PST), as required. Preferred Skills Experience working in an offshore BPO/KPO environment supporting U.S. lenders. Familiarity with investor-specific Non-QM guidelines. Exposure to Correspondent, Wholesale, or Non-Delegated Underwriting channels. Work Schedule & Environment Location: Bangalore Shift Timing: U.S. time zone coverage Secure work environment per client information security standards Skills: underwriting rationale,non qm,underwriting,risk assessment,files,credit evaluation,manual underwriting,non-qm loan underwriting,lendingpad,file audits,secure work environment,income documentation,property appraisal

Job Summary We are looking for experienced US QM Loan Underwriters to join our team supporting U.S.-based lenders. This role involves end-to- end review and decisioning of residential mortgage loan files in alignment with Qualified Mortgage (QM) standards, Fannie Mae/Freddie Mac, Agencies (FHA, VA, USDA) guidelines, and client-specific overlays. The underwriter will work closely with U.S.- based stakeholders to deliver timely and accurate underwriting decisions from our offshore location. Key Responsibilities Review and assess borrower documentation including income, assets, credit reports, and appraisals to determine loan eligibility under QM and agency guidelines. Use AUS tools (DU/LPA) to evaluate loan risk and validate findings. Document and justify underwriting decisions clearly within the client s Loan Origination System (LOS). Apply and interpret Fannie Mae/Freddie Mac/Agency (FHA, VA, USDA) guidelines, lender overlays, and ATR/QM rules. Ensure high standards of accuracy, compliance, and timely turnaround per defined SLAs. Coordinate with U.S.-based processors, closers, and underwriters to resolve conditions and questions. Maintain required production and quality metrics on a daily/weekly basis. Support internal audit and post-closing quality reviews as needed. Qualifications Minimum 3 5 years of hands-on experience in US residential mortgage underwriting , with specific expertise in QM loans. Strong working knowledge of DU and LPA. Familiarity with major LOS platforms such as Encompass, Calyx Point, or similar. Excellent understanding of ATR/QM Rule, income calculation (W2, 1040, K1, 1120), and credit analysis. Strong written and verbal communication skills in English. Willingness to work in U.S. time zone shifts (EST/PST), if required. Preferred Skills Experience working in an offshore BPO/KPO environment supporting U.S. lenders. Exposure to correspondent or wholesale lending models. DE, LAPP/SAR certifications (preferred but not mandatory). Work Schedule & Environment Location: Bangalore Shift Timing: U.S. time zone coverage Secure work environment per client information security standards Skills: fha guidelines,underwriting,aus tools (du/lpa),fannie mae guidelines,income calculation (w2, 1040, k1, 1120),qualified mortgage (qm) standards,quality metrics,loan origination system (los),credit analysis,aus tools,freddie mac guidelines,atr/qm rule,usda guidelines,communication skills,va guidelines,us residential mortgage underwriting,lapp/sar certifications

Job Description: Microsoft Dynamics 365 Finance & Operations (F&O) Technical Lead Location: Bangalore, India Availability: Immediate Relevant Experience: 3-5 years Qualification : BE/BTech/MCA/BCA Job Summary We are looking for a skilled Microsoft Dynamics 365 Finance & Operations (F&O) Technical Consultant with 3 to 5 years of experience in designing, developing, and implementing solutions for the Finance and Supply Chain modules. The ideal candidate will have a strong technical background in Dynamics 365 F&O, experience in customizations, and proficiency in integrations and extensions. This role requires expertise in developing robust solutions that address business needs and improve operational efficiency. Key Responsibilities Technical Development: Design, develop, and implement customizations and extensions for Finance and Supply Chain modules in Dynamics 365 F&O. Build high-quality code using X++, .NET, and other relevant technologies following Microsoft best practices. Debug, troubleshoot, and resolve technical issues in Dynamics 365 F&O environments. Integration And Data Management Develop and manage integrations between Dynamics 365 F&O and third-party systems or applications using tools such as Data Management Framework (DMF) and Azure Logic Apps. Perform data migration activities, including data mapping, validation, and import/export processes. Solution Design And Collaboration Collaborate with functional consultants and business analysts to gather technical requirements and translate them into scalable solutions. Participate in solution design workshops and provide technical recommendations for process improvements. Performance Optimization Conduct performance tuning and optimization for Finance and Supply Chain modules. Ensure that all technical solutions meet performance, scalability, and security requirements. Testing And Deployment Perform unit testing and support system integration and user acceptance testing (UAT). Assist in deploying solutions in production environments and provide post-go-live support. Documentation And Training Prepare and maintain technical documentation, including design specifications, user manuals, and deployment guides. Provide technical training and knowledge transfer to internal teams and end-users. Required Qualifications Experience: 3-5 years of hands-on technical experience in Microsoft Dynamics 365 F&O development. Proven expertise in developing solutions for Finance and Supply Chain Management modules. Experience with X++, MorphX, and Visual Studio for Dynamics 365 development. Familiarity with system integrations using REST/SOAP APIs, OData, or Azure integration services. Knowledge: Strong understanding of Dynamics 365 F&O architecture, data entities, and workflows. Knowledge of data migration tools and methodologies, including the Data Management Framework (DMF). Awareness of finance and supply chain functional processes. Skills: Excellent coding, debugging, and troubleshooting skills. Strong communication and collaboration skills for working with cross-functional teams. Ability to prioritize tasks and deliver high-quality technical solutions on time. Preferred Qualifications Microsoft Dynamics 365 F&O Technical Certification (Developer Certification). Experience with Azure DevOps for version control, build, and deployment pipelines. Knowledge of Power Platform (Power BI, Power Automate) for extending Dynamics 365 capabilities. Experience with global implementations or multi-site rollouts. Note: Only candidates available for immediate joining (Max 30 days of Notice period) will be considered. Skills: supply chain,.net,data management framework (dmf),api,f&o,azure integration services,microsoft dynamics 365 f&o,finance,rest/soap apis,power bi,odata,azure logic apps,morphx,power automate,visual studio,x++,microsoft dynamics 365

Company Name: Wrap Arts About Company: Wrap Arts (also known as Wrap Arts by Ashritha ) is a boutique luxury packaging and gifting company based in Sahakar Nagar, Bengaluru. Founded around 2018 , it specializes in high-end, bespoke packaging for weddings, events, corporate gifting, and lifestyle occasions. Position Title: Manager - Digital Marketing Location: Bengaluru - Head Office Reports To: Founder Director Role Purpose Lead end-to-end digital marketing to build brand visibility, generate B2B and B2C leads, and grow online revenue in the home décor and gifting segment. Key Responsibilities Strategy & Campaigns: Develop and execute full-funnel digital marketing strategy (SEO, SEM, Social Media, Email, Performance Marketing). Plan seasonal campaigns that align with festivals, trade fairs, and gift-giving seasons. Social Media Management: Manage Instagram, Facebook, Pinterest, and YouTube. Grow engagement through reels, influencer collaborations, contests, and content. E-commerce & Marketplace Optimization: Oversee product listings, ads, and SEO on Amazon, Flipkart, and quick commerce platforms (Swiggy, Blinkit, Zepto). Manage website/Shopify updates, pricing, and product content. Performance Marketing: Plan and execute paid campaigns on Google, Meta, and Amazon. Track and improve key metrics (CPC, ROAS, conversions) through A/B testing. Content & SEO: Optimize website and product listings for organic search engine rankings. Manage blog and content marketing around décor and gifting trends. Email & WhatsApp Marketing: Create promotional and lifecycle email campaigns. Manage WhatsApp broadcasts for B2C and wholesale customers. Analytics & Reporting: Use Google Analytics, Meta Ads Manager, SEMrush/Ahrefs for performance tracking. Share regular reports with actionable insights. Qualifications MBA/BBA in Marketing, Communication, or related field. 3–6 years of experience in digital marketing. Preferred experience in home décor, gifting, lifestyle, or FMCG. Key Skills Google Analytics, GA4, Tag Manager Facebook Ads Manager, Google Ads SEO/SEM best practices Email Marketing (Mailchimp, Klaviyo) Shopify/WooCommerce/Magento Experience with B2B platforms (IndiaMART, Trade India) Skills: digital,magento,paid social media campaigns,woocommerce,campaigns,ga4,klaviyo,analytics,google ads,seo/sem best practices,email,shopify,facebook ads manager,email marketing,b2b platforms,tag manager,digital marketing,social media advertising,seo,amazon,mailchimp,google,google analytics