39 Credit Analyst Jobs

As a member of the Business Transformation Competence Team at our esteemed organization, you will be part of a dynamic environment that thrives on constant adaptation and innovation to meet the evolving demands of technology, society, and the global landscape. Our team works closely with prominent names in the banking industry, assisting them in overcoming their most significant challenges during transformation cycles. In this role, you will have the opportunity to contribute to the end-to-end transformation of banking operations while nurturing EY talent to be prepared for the future of the industry. You will play a crucial role in driving change and innovation across lending operations for our clients, collaborating with banking leaders to identify areas for improvement, develop strategies, and implement transformative solutions. This position offers a unique chance to combine your expertise in lending practices with cutting-edge technology and strategic thinking, shaping the future landscape of banking. As a Lending Transformation Consultant in our team, your responsibilities will include collaborating with stakeholders at various levels to ensure alignment and engagement throughout the transformation journey. You will work with cross-functional teams to design innovative lending solutions that align with the bank's transformation goals. Additionally, you will lead workshops and presentations, conduct detailed analysis of lending processes, optimize workflows, integrate digital tools, manage change, ensure compliance with industry regulations, and oversee project lifecycles. To excel in this role, you should hold a Master's degree in a relevant field or have equivalent experience, along with a proven track record in lending operations. Strong analytical skills, knowledge of banking regulations, exceptional client stakeholder management abilities, fluency in Dutch and French, and certifications in relevant areas are desirable attributes. Prior experience in consultancy, process improvement, or banking transformation is a plus. Joining our team not only offers a competitive remuneration package but also opportunities for career development, flexible working arrangements, and a supportive work environment. You will have access to comprehensive training on technical matters, soft skills, and project management, as well as exposure to new technologies and innovative equipment. While the role may involve part-time work at client sites and business travel, we are committed to helping you maintain a healthy work-life balance. Come be a part of our leading global professional services firm, where you will collaborate with a diverse team of professionals dedicated to transforming financial services and driving impactful change in the banking industry.,

About NCR VOYIX NCR VOYIX Corporation (NYSE: VYX) is a leading global provider of digital commerce solutions for the retail, restaurant and banking industries. NCR VOYIX is headquartered in Atlanta, Georgia, with approximately 16,000 employees in 35 countries across the globe. For nearly 140 years, we have been the global leader in consumer transaction technologies, turning everyday consumer interactions into meaningful moments. Today, NCR VOYIX transforms the stores, restaurants and digital banking experiences with cloud-based, platform-led SaaS and services capabilities. Not only are we the leader in the market segments we serve and the technology we deliver, but we create exceptional consumer experiences in partnership with the world s leading retailers, restaurants and financial institutions. We leverage our expertise, R&D capabilities and unique platform to help navigate, simplify and run our customers technology systems. Our customers are at the center of everything we do. Our mission is to enable stores, restaurants and financial institutions to exceed their goals - from customer satisfaction to revenue growth, to operational excellence, to reduced costs and profit growth. Our solutions empower our customers to succeed in today s competitive landscape. Our unique perspective brings innovative, industry-leading tech to all the moving parts of business across industries. NCR VOYIX has earned the trust of businesses large and small from the best-known brands around the world to your local favorite around the corner. Title: Credit Analyst Location: Bangalore The Credit Analyst plays a crucial role in evaluating new credit applications, new order releases, establishing appropriate customer credit limits, and managing ongoing credit risk for NCRV s Global Credit Risk Group. The position reports directly to the Executive Director of Global Credit Services. In this position, you will be challenged by a fast-paced environment with the goal of reducing losses by using your credit risk and analytical experience. Additionally, you are often in charge of direct communications with customers of all levels, so your communication and interpersonal skills are crucial to success. This position will involve many aspects of corporate credit and risk management functions, including but not limited to reading and analyzing D&B and personal credit reports, financial statement spreading and analysis, investigation of underlying collections issues, and sometimes assisting in resolutions of cash flow problems through a repayment plan. Your job as a Credit Analyst will require a high degree of independent work and analytical and problem-solving skills in a fast-paced professional environment. Key Areas of Responsibility: Credit Assessment: Evaluate the creditworthiness of individuals and businesses by analyzing corporate financial statements, credit reports, and market conditions throughout the world. Provide independent review and decision within allotted credit authority limits. Perform KYC and AML due diligence in accordance with governmental regulations. Risk Management: Monitor and manage ongoing credit risk, ensuring compliance with credit policy and regulations. Perform due diligence and periodic reviews on existing clients of all sizes. Financial Analysis: Conduct in-depth review of public and private financial statements, market trends, and microeconomic conditions New Account Underwriting: Underwrite new and ongoing credit limit requests, including repayment plans, and provide decisions and/or recommendations based on those risk assessments. Stakeholder Collaboration: Work closely with internal and external stakeholders, including Sales Leaders and clients, to communicate credit decisions, policies, and risk assessments. Contribute to improving processes throughout the Global Credit Services team. Team player is a must in this role - working cohesively and communicating as a group is a key success factor within the team. Ability to multi-task, respond timely to a high volume of emails and credit requests, staying within SLA guidelines. Basic Qualifications: Education: Bachelor degree in Finance, Accounting, or a related field. A masters degree or relevant certifications (e.g., CFA, CPA) is a plus. Experience: Minimum of 2-5 years of experience in a formal credit analysis role. Skills: Strong understanding of financial statements credit risk analysis. Expertise in analyzing business and personal credit reports such as D&B, Experian, Equifax. Analytical Skills: Excellent analytical and problem-solving skills, with attention to detail and high accuracy. Communication: Strong communication and interpersonal skills, with the ability to work independently and as part of a team. Strong verbal, written, and oral communication skills. Ability to meet deadlines and work in a fast-paced environment. Proficient in MS Word and MS Excel Ability to be self-motivated and quickly learn new processes and procedures. Basic Qualifications: Education: Bachelor degree in Finance, Accounting, or a related field. A masters degree or relevant certifications (e.g., CFA, CPA) is a plus. Experience: Minimum of 2-5 years of experience in a formal credit analysis role. Skills: Strong understanding of financial statements credit risk analysis. Expertise in analyzing business and personal credit reports such as D&B, Experian, Equifax. Analytical Skills: Excellent analytical and problem-solving skills, with attention to detail and high accuracy. Communication: Strong communication and interpersonal skills, with the ability to work independently and as part of a team. Strong verbal, written, and oral communication skills. Ability to meet deadlines and work in a fast-paced environment. Proficient in MS Word and MS Excel Ability to be self-motivated and quickly learn new processes and procedures. Offers of employment are conditional upon passage of screening criteria applicable to the job EEO Statement Integrated into our shared values is NCR Voyix s commitment to diversity and equal employment opportunity. All qualified applicants will receive consideration for employment without regard to sex, age, race, color, creed, religion, national origin, disability, sexual orientation, gender identity, veteran status, military service, genetic information, or any other characteristic or conduct protected by law. NCR Voyix is committed to being a globally inclusive company where all people are treated fairly, recognized for their individuality, promoted based on performance and encouraged to strive to reach their full potential. We believe in understanding and respecting differences among all people. Every individual at NCR Voyix has an ongoing responsibility to respect and support a globally diverse environment. Statement to Third Party Agencies To ALL recruitment agencies: NCR Voyix only accepts resumes from agencies on the preferred supplier list. Please do not forward resumes to our applicant tracking system, NCR Voyix employees, or any NCR Voyix facility. NCR Voyix is not responsible for any fees or charges associated with unsolicited resumes When applying for a job, please make sure to only open emails that you will receive during your application process that come from a @ncrvoyix.com email domain.

Accounting Executive will managing gen. ledger and sub-ledger accounts, preparing reconciliations, and ensuring accurate financial reporting. strong attention to detail, advanced proficiency in accounting software,analyze financial data effectively.

As a member of our Business Transformation Competence Team, you will play a crucial role in driving change and innovation within the banking industry. Our team is dedicated to assisting banks and financial institutions in addressing their most significant challenges during transformation cycles, ensuring they are ready to adapt to the evolving dynamics of technology and society. In this role, you will collaborate with stakeholders at various levels, including senior management and department heads, to ensure alignment and engagement throughout the transformation journey. By working closely with cross-functional teams, you will design and propose innovative lending solutions that meet the bank's transformation goals. Your expertise in lending practices will be instrumental in identifying inefficiencies, bottlenecks, and areas for improvement within existing processes, leading to the implementation of streamlined and cost-effective solutions aligned with industry best practices. Your responsibilities will also include conducting in-depth analysis of lending processes, systems, and workflows, as well as integrating digital tools and platforms into lending operations. Additionally, you will develop and implement change management strategies to facilitate the adoption of new processes and technologies while ensuring compliance with industry regulations and standards. To be successful in this role, you should possess a Master's degree in a relevant field or equivalent experience, along with a proven track record in lending operations. Strong analytical skills, client stakeholder management abilities, and proficiency in Dutch, French, and business English are essential. Certifications in Project Management methodologies and prior experience in consultancy or banking transformation are advantageous. Joining our team at EY offers a competitive remuneration package, comprehensive Total Rewards benefits, and opportunities for career development. You will be part of a global professional services firm with a supportive work environment, access to extensive training, new technologies, and a dynamic team focused on transformation in financial services. While client-facing responsibilities may require part-time work at client sites and business travel, we are committed to helping you achieve a healthy work-life balance.,

Functional Responsibility / Domain Related Support global Credit Analyst(s) in analyzing the performance of a portfolio of structured finance and public finance transactions, and in responding to credit events Prepare internal credit research reports and notes. Assist in preparing publishable credit reports. In-depth understanding of transaction documents, Legal documents such as Offering Circular, Indenture, Letter of Credit Agreement, Tender bonds, Commercial papers etc. to understand the structure and features of the deals. Track and understand Structured Finance & US Public Finance (USPF) sector dynamics and regulatory trends including but not limited to: Analysis of macroeconomic parameters impacting the sector. Impact of regulatory and legal framework with risk to sector portfolio. Model maintenance involves regular testing and validation of models based on the most recent reports, statements published by issuers, servicers, understanding payment structures and revising the model to be in sync with expected outcome. Qualitative & quantitative analysis of primary and secondary market debt portfolio. Stay abreast of the latest developments in the Structured Finance & US Public finance market and understand / be able to comment on their potential impact. Process Adherence Focus on review / QC, adding analytical inputs when required Create and maintain base level training, process manuals and documentation to ensure smooth execution of tasks Adopt the defined processes in day to day execution of assignments Identify process improvement avenues and identify value added work Ensure that new knowledge gained is retained and documented through operating manuals Work with other teams and suggest methods to make the current process more efficient Strictly practice and follow all Compliance, Confidentiality, and Information Security Policies, Procedures and Guidelines of the Organization. Client Management / Stakeholder Management Build and maintain relationships with US & EMEA clients Set expectations with clients regarding scope of work, timelines, etc. For routine tasks People Development Provide analytical mentoring to junior members of the team Implement team-level initiatives Familiarize new recruits to the team and organization

We are looking for a Credit Analyst/Credit Officer to evaluate loan applications and assess the creditworthiness of customers. The role involves financial analysis, documentation review, and risk assessment. Any candidate who wants to apply can contact on the given contact number 07303998586 Key Responsibilities: Analyze financial data and credit reports Evaluate loan applications and assess risk Prepare credit reports and recommendations Ensure compliance with credit policies Requirements: Bachelor's degree in Finance, Commerce, or related field Good analytical and decision-making skills Basic knowledge of credit analysis and lending practices Proficiency in MS Excel and financial tools Any candidate who wants to apply can contact on the given contact number 07303998586

We are looking for a highly motivated and detail-oriented Credit Analyst with hands-on experience in financial modeling and fundraising for real estate projects. This role is crucial in evaluating project viability, supporting funding efforts, and collaborating with lenders and investors. The ideal candidate should possess a strong understanding of real estate finance, credit risk, and project evaluation frameworks. Key Responsibilities: Financial Modeling & Analysis Build and manage comprehensive financial models for real estate projects, including revenue forecasts, cost estimations, cash flow projections, IRR, ROI, and break-even analysis. Conduct scenario and sensitivity analyses to assess the financial health and viability of projects under varying conditions. Credit Assessment Perform credit analysis for the company and individual projects. Evaluate financial statements, assess debt-servicing capacity, and prepare credit notes for internal and external stakeholders. Fundraising & Investor Collateral Prepare detailed Information Memorandums (IMs) , investor presentations, teasers, and loan proposals tailored for banks, NBFCs, and private investors. Support due diligence processes and respond to investor queries. Liaison with Lenders Engage with banks, NBFCs, rating agencies, and institutional investors for fundraising initiatives. Facilitate documentation, compliance, and disbursement processes in coordination with legal and finance teams. Project Feasibility & Evaluation Conduct project-level feasibility assessments, incorporating factors like sales velocity, construction timeline, funding requirements, and regulatory implications. Support decision-making on new launches, land acquisition, and joint development opportunities. Market Research & Benchmarking Track real estate funding trends, benchmark debt/equity structures, and monitor market-based interest rates and financial covenants. Stay updated on RERA and regulatory developments affecting funding strategies. MIS & Reporting Maintain dashboards and reports on fundraising status, loan covenants, disbursement schedules, and financial metrics. Provide timely updates to senior management on project financials and funding pipelines. Qualifications & Requirements: Bachelors or Masters degree in Finance, Accounting, Economics, or a related field (CA or MBA Finance preferred). 3 to 5 years of relevant experience in credit analysis, financial modeling, or project finance, preferably within the real estate or infrastructure sectors. Advanced proficiency in Excel and financial modeling. Strong analytical and problem-solving skills with a good understanding of project finance concepts. Effective communication and presentation skills, with the ability to work independently and manage multiple priorities. Preferred Skills Prior experience in real estate project modeling, including sales-linked inflows, construction-linked outflows, and structured drawdowns. Familiarity with lender expectations, term sheets, and financing instruments. Working knowledge of RERA, stamp duty regulations, and real estate-specific financial nuances

Senior Associate/Team Lead/Assistant Manager- Credit Analyst (Financial Spreading Candidate Specification & Job Responsibilities Candidate should have 2+ years of experience in Credit analysis Financial Spreading & Moody Credit lens Analyzing and spreading the financial statements in Moody's Risk Analyst (MRA) / Credit lens / client customized templates. Analysis of financial statements including Income statement Balance Sheet & cash flow of public & private companies for the credit appraisal process.Calculating the Adjusted Net Worth Recurring Cash Flows Annual Debt Service Contingent Liabilities Custom Ratios and other financial metrics.Screening the credit agreements and analyzing the financial covenants applicable to the borrower Monitor Covenant compliance and reporting.Must be flexible with shifts Contact Person - Supraja Contact Number-9840937225 Email id-supraja@gojobs.biz

Job Title: Credit Underwriter Key Responsibilities Evaluate loan applications for microfinance products by analyzing financial data, credit history, and repayment capacity. Conduct video calls to verify borrower information and assess creditworthiness. Collaborate with loan officers and branch teams to ensure accurate documentation and risk profiling. Prepare credit appraisal memos and recommend loan approvals or rejections. Monitor portfolio quality and flag early warning signals for delinquency. Ensure compliance with internal credit policies and regulatory guidelines. Provide feedback to product and risk teams for continuous improvement of underwriting models. Familiarity with credit scoring models, KYC norms, and NBFC/MFI regulations. Only experienced candidates can apply for the job

We are hiring for TOP MNC for Commercial Banking & Underwriting, Commercial Credit Underwriting, Credit Analyst/ Analysis Location - Chennai Experience - 1 - 12Years CTC - up to 16LPA NP - up to 30Days Shift - Flexible to work in shifts (Including Night) Work from Office Levels & Experience 4 - 7 Years (5- 8LPA)- Analyst (SME) 6- 9 Years (8- 12LPA)- Sr Analyst (Team Lead) 9- 12 Years (10- 16LPA)- Ops Specialist (Assistant Manager) Skills Required Must have 4 - 12 years of experience end to end in Commercial Banking & Underwriting, Commercial Credit Underwriting, Lending ops banking. Must have people management skills. Good Communication skills. Flexible to work from office and in shifts Interested candidates please share resume on below details Share CV on : asha.g@inspirationmanpower.co.in Call to : Asha G - 7624836555

Responsibilities- Assessment of borrowers credit worthiness through a thorough analysis of industry segment, business model, financial statements, monthly MIS, etc. Analysis of cash flow statement, cash flow projections, EBIDTA sensitivity analysis. Discuss with customers to structure transactions by way of credit enhancements, stipulate financial and other covenants. Personal discussions with Founders/ Promoters & CFO to understand the current business model, fund raising plans, growth plans, etc. Benchmark borrowers financial performance across competitors and industry benchmarks. Secondary research to gather additional information about the background of management and the borrower. Regular review of the covenants and portfolio performance and suggest corrective action, including working with the customer to resolve any delinquency. Coordinating with Sales, Operation, Legal, Technology and Customer Service team effectively. Ensuring adherence to the internal credit policy, RBI guidelines and guidelines specific to NBFC. Skills required: Keen interest towards tech driven new age/ alternate data-based credit decision process. Knowledge of various products such as business loan, line of credit, dropline OD, etc. will be an added advantage. Strong knowledge of financial statement analysis, general accounting, cash flows, financial ratios, etc. Critical thinker with strong decision-making ability, excellent written and verbal communication. Demonstrated capabilities towards multiple stakeholder management. Knowledge of drafting curated sanction letters and loan agreements will be an added advantage.

Position: Credit Analyst As a Credit Analyst, you will play a critical role in evaluating the creditworthiness of borrowers, monitoring portfolio risk, and ensuring robust credit practices. This position offers a blend of hands-on portfolio management, credit assessment, and cross-functional collaboration with key teams such as Operations, Legal, Tech, and Compliance. Roles & Responsibilities: Conduct comprehensive credit analysis, including financial statements, cash flows, business performance, projections, and external data to assess creditworthiness. Prepare Credit Appraisal Memos (CAMs) and supporting documentation for internal and external stakeholders, including lenders. Monitor portfolio health and credit risk at both transaction and portfolio levels. Identify early warning signals (EWS) in borrower accounts and work with business teams to recommend mitigation strategies. Support the Operations team in updating credit policies and frameworks in line with risk appetite, profitability, and growth goals. Perform ad-hoc and deep-dive analysis to identify drivers of credit performance and recommend actions. Engage with internal stakeholders, including Operations, Legal, Audit, Compliance, and Tech, to ensure seamless credit lifecycle management. Stay updated on rural economic trends and assess their potential impact on credit risk and lending strategies. Participate in cross-functional discussions and contribute to high-quality credit decisions with a balanced risk-reward approach. Competencies: Strong analytical, financial, and business evaluation skills. Ability to conduct in-depth analyses of financial statements, GST, and operational data. Working knowledge of financial modelling, credit scoring, and portfolio analytics. Ability to work in a high-volume and fast-paced environment. Effective communicator with the ability to collaborate across functions and present complex ideas clearly. High attention to detail with a structured and data-driven problem-solving approach. Ability to deliver professional analyses on spreadsheets and presentations Qualification: CA or MBA in Finance from a reputed institute. 2-4 years of experience in credit evaluation, underwriting, or credit research, preferably in Banks, NBFCs, fintech, credit rating agencies, or mutual funds. Experience in conducting Credit Assessment of business loans in Banks, NBFCs, or fintech will be a strong advantage. Location: BKC, Mumbai Setup: Full-time work from office

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc. ) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

Credit Analyst - Working Capital - Mumbai / Hyderabad - Bank. Person taking care of mid corporate.

Role & responsibilities Appraises /recommends/ approves credit proposals as per the delegation of authority. Reviews delinquent cases and document learnings / portfolio reviews for risk management. Conducts process audits and reports delinquencies and anomalies. Recommends changes to policy/process based on local nuances / competitor feedback. Implements system integration plans. Monitors NPA and keeps a track of it. Ensures field customer visits for PD and deliveries within agreed TAT. Managing all CPAs(credit processing associates) and provide them adequate policy, process training for smooth operations with in the Risk Team. Ensures maintenance of Portfolio for the bank. Makes customer visits wherever required to ensure appropriate closure of the deal Preferred candidate profile

About Wholesale Banking Coverage Group: The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oiland Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities About the Role: The Credit Analyst is responsible for analysing the risk profile of the companies in the respective industries and ensure preparation of conclusive credit proposals and detection of potential risk triggers. The credit analysts also interact with the companies to keep an update on the developments in the sector and its impact on company. Key Responsibilities Analyse the financial and business risk profile of companies, assign Credit rating and prepare conclusive and focused credit proposals Monitor and update on key trends, challenges in the sectors, economic developments as well as financial parameters of clients to detect potential risk triggers Provide quality analysis compliant with RBI guidelines, legal and other internal compliances that leads to a sound decision making Ensure NPA /restructuring levels for the group are minimized Qualifications: Optimal qualification for success on the job is: CFA/ CA/ MBA (Finance) from a recognized institute Role Proficiencies: For successful execution of the job, the candidate should possess the following: In-depth knowledge of key drivers and indicators in the relevant sectors A solid understanding of financial statements, ratios Understanding of compliance and regulatory norms Good relationship management and strong communication and presentation skill Proficiency in MS Excel, Word and Power Point #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

About Bharat Banking Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel. About the Role The Credit Analyst will manage the credit activities, processes for the B2B Wholesale Credit vertical for designated location. Credit Analyst will be responsible for smooth functioning of the Credit appraisal activities and hence managing the portfolio quality and also ensures adherence to the processes and guidelines as designed by the bank. Key Responsibilities Preparing sanction notes for Agri High Value PSL cases , SCF schemes and Bharat SCF cases to ensure maintenance of desired proposal quality, assess creditworthiness of customers and accordingly take decision to sanction or recommend for approval to higher authorities Analysis of financial statements, company background and other related quantitative and qualitative) Assign Internal rating to clients through Internal Rating Model, accordingly run revenue calculation score based on internal model and suggest risk based loan pricing for the proposed deal. Suggest appropriate measures, covenants and deal structures to the Sanctioning Authority as Risk mitigants. Interaction with all NTB/ETB cases along with Relationship Team in order to understand the business model and highlight key risks factors and mitigants to make the case bankable. Co-ordinate with collections team for follow up and regularization of over-dues or other irregularities. Regular monitoring of credit portfolio and quarterly financial performance of clients to ensure no fresh slippages towards delinquencies and detect early warning signals to be acted upon. Ensure timely completion of limit renewals of the existing cases. Understanding trade transaction requests made by client and providing credit approvals to execute the transaction. Coordinating with Audit, Compliance, and operations for resolution of queries and documentations. Qualifications Optimal qualification for success on the job is: Graduation/ Post- Graduation (MBA/ CA preferred not mandatory) Minimum 2-5 years of relevant work experience (Preferred experience in Credit vertical with expertise in CAM preparation for SME/Agri./Corporate borrowers.) Role Proficiencies For successful execution of the job, the candidate should possess the following: Knowledge of industry Good communication (both verbal and written) skill Ability to handle pressure and meet deadlines #ComeAsYouAre "We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply"

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products and solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc About the Role The Credit Appraisal Memo Processing Unit (CAMPU) comprises of Credit Analysts who play an integral role in the credit appraisal process. By preparing a CAM, Credit Analysts help in evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conducting review / renewal of accounts Maintaining acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

CBG:Credit Analyst INTERNAL USAGE No. of Vacancies Reports to Is a Team leader? Team Size Grade Business Department CBG Sub - Department Location About Commercial Banking Group The Commercial Banking Group is responsible for delivering One Axis to clients with a turnover between Rs 10 Crs. to Rs 250 Crs. by offering products & solutions around forex, trade, payments, cash management and tax payments along with retail products like salary, trust services, forex, commercial card, credit cards etc. About the Role Credit Analysts are responsible for evaluating a proposal by analyzing and presenting information about the borrower across areas like market, financial statements, technical rations, management, etc. Credit Analysts work closely with Relationship Managers to understand the profile of their clients and their requirements Key Responsibilities Responsible for preparation of CAM and putting up various notes (review, replies to observations from the Risk department, etc.) Responsible for assessing the credit worthiness, and preparation of credit proposals, by fitting borrower requirement within the existing product suite and credit policy guidelines Conduct review / renewal of accounts Ensure maintenance of acceptable TAT for various tasks such as conducting rating, preparation of appraisal note, renewals, etc. Qualifications Optimal qualification for success on the job is: Graduates with a good academic background CAs/Management Graduates/ICWAs will be preferred Role Proficiencies For successful execution of the job, the candidate should possess the following: Good understanding of financial ratios and concepts Good communication (both verbal and written) skill in both English and the local language

The SCA will be responsible for structuring working capital and term loan cases, validating CMA data, preparing investor/lender pitch decks, and ensuring bank ready documentation for all client mandates across company’s credit-related verticals.

We are a leading global investment management firm offering high-quality research and diversified investment services to institutional clients, retail investors, and private-wealth clients in major markets around the globe. With over 4,000 employees across 57 locations operating in 26 countries and jurisdictions, our ambition is simple: to be the most trusted investment firm in the world. We realize that its our people who give us a competitive advantage and drive success in the market, and our goal is to create an inclusive culture that rewards hard work. Our culture of intellectual curiosity and collaboration creates an environment where you can thrive and do your best work. Whether youre producing thought-provoking research, identifying compelling investment opportunities, infusing new technologies into our business or providing thoughtful advice to our clients, we are fully invested in you. If youre ready to challenge your limits and empower your career, join us! Summary of Role AllianceBernstein is seeking a Hong-Kong or Singapore-based Economist focusing on Emerging Asia (excluding China). The Emerging Market Economic Research team is a global organization with team members in London and New York. Our economists systematically identify and analyse macroeconomic and financial market trends and investment opportunities in fixed income and currency markets. They work closely with our portfolio managers to translate macro trends and market dislocations into appropriate risk exposures in client portfolios. Our emerging market economists collaborate closely with corporate credit analysts and across investment teams to leverage their sovereign knowledge and skills for all our fixed income strategies. Responsibilities Provide economic and financial market forecasts for Emerging Asian economies (excluding China). Focus countries include Indonesia, India, Malaysia, Philippines, and Thailand, but coverage could expand based on investment opportunities. Develop comprehensive investment narratives and investment recommendations across asset classes (external debt, local debt, currencies), leveraging our proprietary systematic frameworks. Identify emerging macroeconomic and geopolitical trends and risks in Asia, which could have an impact on emerging market and global investment portfolios. ESG analysis, model validation, and engagement. Qualifications Strong economic, analytical and quantitative skills, demonstrated through academic and professional record. Ability to think broadly about macroeconomic trends and asset price implications. Relentless drive with a passion for research and investment strategy. Excellent communications skills. Ability to work well both independently and on teams. Experience Level 5+ years experience as an economist or sovereign credit analyst for Emerging Asia. Pune, India

You will help solve analytical problems across the organization and propose product and credit policy changes to improve company profitability. Specifically, you will monitor the portfolio, create a user valuations model, and propose new product and pricing strategies. ResponsibilitiesBuild and maintain a user level valuations model to inform future product and marketing decisions and analyze drivers of profitabilityMonitor and update credit policy to optimize for company risk, profitability, and growth targetsPropose data driven product changes to improve customer experience and company profitability. Partner with product and engineering teams to implement your solution into productionMonitor the company portfolio to identify trends, and lead weekly credit committee meeting to share performance updates and analysis Conduct ad-hoc analysis to identify underlying explanations for changes in portfolio performance, develop data-driven solutions, and evaluate expected portfolio impactsCollaborate with data science, product, and engineering to propose hypothesis testing to improve risk and profitability Develop statistical models to assist in pricing and user segmentation for capital markets transactions and financial data analysis Support the marketing and product team with their data needs QualificationsFluency in SQL and R/PythonPrevious experience in analytics and/or quantitative modeling, using large datasets Experience analyzing, visualizing and communicating impactful insights to management, investors and/or auditorsStrong strategic thinking and problem-solving skills2-4 years relevant experience in Credit Analytics, preferably in the India Fintech industryEnthusiasm for working across cultures, functions and time zones