55 Regularization Jobs - Page 3

dunnhumby is the global leader in Customer Data Science, empowering businesses everywhere to compete and thrive in the modern data-driven economy. We always put the Customer First. Our mission: to enable businesses to grow and reimagine themselves by becoming advocates and champions for their Customers. With deep heritage and expertise in retail – one of the world’s most competitive markets, with a deluge of multi-dimensional data – dunnhumby today enables businesses all over the world, across industries, to be Customer First. dunnhumby employs nearly 2,500 experts in offices throughout Europe, Asia, Africa, and the Americas working for transformative, iconic brands such as Tesco, Coca-Cola, Meijer, Procter & Gamble and Metro. We’re looking for a talented Research Data Scientist who expects more from their career You will be at the forefront of dunnhumby’s research data science team where you will be translating a complex business problem into a data science problem and solving that with scalable and state-of-the art AI algorithms. Joining our research data science team, you will be helping identify new opportunities within the Data Science space for future dunnhumby solutions. Learn from experts and grow your career in our organisation What We Expect From You Degree or equivalent in a statistical or mathematical subject. 2-5 Years of experience in Data Science Good understanding of statistics and mathematical methodologies used – especially forecasting, regression, linear models, time series, hypothesis tests and optimisation Ability to prototype solutions using Python and Spark to facilitate development and testing of algorithms on large data sets Good understanding of machine learning techniques, with applications to classification, prediction and clustering Ability to apply and extend experimental design methodology to conduct rigorous measurement of treatment effects Good working knowledge of databases, including SQL, relational and non-relational data models Experience of using following algorithm at scale: Ancova, linear models with regularization, clustering, random forests, xgboost Research the latest machine learning approaches Good grasp of Object-Oriented Programming Ability to quickly learn open-source statistics and machine learning packages – Pandas, SciPy, Scikit - learning, Tensor flow. What You Can Expect From Us We won’t just meet your expectations. We’ll defy them. So you’ll enjoy the comprehensive rewards package you’d expect from a leading technology company. But also, a degree of personal flexibility you might not expect. Plus, thoughtful perks, like flexible working hours and your birthday off. You’ll also benefit from an investment in cutting-edge technology that reflects our global ambition. But with a nimble, small-business feel that gives you the freedom to play, experiment and learn. And we don’t just talk about diversity and inclusion. We live it every day – with thriving networks including dh Gender Equality Network, dh Proud, dh Family, dh One and dh Thrive as the living proof. We want everyone to have the opportunity to shine and perform at your best throughout our recruitment process. Please let us know how we can make this process work best for you. For an informal and confidential chat please contact stephanie.winson@dunnhumby.com to discuss how we can meet your needs. Our approach to Flexible Working At dunnhumby, we value and respect difference and are committed to building an inclusive culture by creating an environment where you can balance a successful career with your commitments and interests outside of work. We believe that you will do your best at work if you have a work / life balance. Some roles lend themselves to flexible options more than others, so if this is important to you please raise this with your recruiter, as we are open to discussing agile working opportunities during the hiring process. For further information about how we collect and use your personal information please see our Privacy Notice which can be found (here)

Applications are invited for the position of Associate - Accounts on Contract Indian Institute of Management Udaipur (IIMU) is looking for bright candidates for the position of “Associate-Accounts” on contract basis for a period of 2 years initially and renewable based on the performance and requirement upto two more years. S.No Details Description 1 Name of the post Associate - Accounts 2 No of posts 1 (One) 3 Nature of post Contract basis 4 Age limit 35 years (as on the closing date of notification) 5 Educational and other qualifications Candidate must be a CA Inter or B.COM with a minimum of Two (2) years of post-qualification relevant experience. Note: The CA Articleship period will NOT be considered as part of the experience. The candidate should be familiar with a computerized accounting environment and experience in working finance and accounts functions. The candidate should have good communication skills (both written & verbal), interpersonal skills and multi-tasking abilities. Good knowledge of MS-Office (Excel, Access, Word, Power Point) and other computer related tasks is essential. 6 Major Duties and Responsibilities Accountable for various financial functions such as day to day accounting, preparation, and maintenance of accounts, Periodic Cash Flow Statements, processing of bills,Budgeting and variance analysisMIS reporting,Coordination with auditors.Banks and other departmental visits.Accounting and Compliance related to PFMS/GeM Portal,Preparation of periodic financial statements,Investments of funds,Compliances related to GST, Income Tax.Any other relevant work assigned by the Competent Authority from time to time. 7 Key Skills required Conversant with Microsoft D365 ERP, different operating systems and MS Office functions and Office Management PracticesAbility to prioritize work opportunities in the department.Ability to work on multiple assignments.Good command on written and oral communication skills in English and Hindi language, ability to interact with faculty, external agencies effectively, noting and drafting etc. 8 Consolidated monthly remuneration Between Rs.28,000 – 40,000/- per month 9 Mode of application The applicants are requested to apply online mode through the link provided at the institute’s website www.iimu.ac.in under JOBS tab. General Instructions to the candidates The completion of the period of the contract will not confer any right for further extension, regularization, permanency at the Institute.The candidates applying for the above post should ensure that they fulfil all the eligibility conditions for the post. Their admission to any stage of the selection process will be purely provisional subject to confirmation that they satisfy the prescribed eligibility conditions. Merely the issue of interview call letter to the candidate will not imply that his/her candidature has been found eligible.Candidates must be citizens of India. Persons who have migrated from Pakistan with the intention of permanently settling in India or subjects of Nepal are also eligible, but in their case a certificate of eligibility from the Government of India will be necessary for appointment. Such candidates should apply to the Government of India in the Ministry of Home Affairs for necessary certificate and furnish satisfactory proof of having so applied.The prescribed qualifications are minimum and unless specified, they are required for consideration for the post, even if higher qualification has been acquired and the mere fact that a candidate possesses the same will not entitle him/her for being called for interview.The Institute reserves the right to restrict the number of candidates for written / skill test / interview to a reasonable limit based on qualifications, level and relevance of experience higher than the minimum prescribed in the advertisement and other academic achievements. The Institute also reserves the right of rejecting any or all the applications without assigning any reasons, therefore.Calling a candidate for test/interview merely indicates that it is felt that he/she with others may be suitable for the post and conveys no assurance whatsoever that he/she will be recommended or selected, or his/her conditions specified in the application will be accepted.Candidates will be short-listed for Test/Interview based on the information provided by them in their online applications. They must ensure that such information is true. If at any subsequent stage or at the time of Test/Interview any information given by them or any claim made by them in their online applications is found to be false, their candidature will be liable to be rejected.The Institute shall verify the antecedents or documents submitted by a candidate at any time at the time of appointment or during the tenure of the service. In case, it is detected that the documents submitted by the candidates are fake or the candidate has clandestine antecedents/background and has suppressed the said information, then his services shall be liable to be terminated.In case of any inadvertent mistake in the process of selection which may be detected at any stage even after the issue of appointment letter, the Institute reserves the right to modify/ withdraw/ cancel any communication made to the candidates.The Institute has a right to decide the mode of screening and testing the applicant for short listing and selection.The Institute solely reserves the right not to fill any advertised position without assigning any reason.Only shortlisted applicants will be contacted.No correspondence whatsoever will be entertained from candidates regarding conduct and result of test/interview and reasons for not being called for interview. Canvassing in any form will be a disqualification.The crucial date for determining the eligibility criteria for all candidates in every respect shall be the prescribed closing date for submission of online application.Any corrigendum/clarifications on this advertisement, if necessary, shall be uploaded on website and no separate communication will be sent for this purpose.The last date for submission of online application is 15th May 2025. Apply Now

dunnhumby is the global leader in Customer Data Science, empowering businesses everywhere to compete and thrive in the modern data-driven economy. We always put the Customer First. Our mission: to enable businesses to grow and reimagine themselves by becoming advocates and champions for their Customers. With deep heritage and expertise in retail – one of the world's most competitive markets, with a deluge of multi-dimensional data – dunnhumby today enables businesses all over the world, across industries, to be Customer First. dunnhumby employs nearly 2,500 experts in offices throughout Europe, Asia, Africa, and the Americas working for transformative, iconic brands such as Tesco, Coca-Cola, Meijer, Procter & Gamble and Metro. We're looking for a talented Research Data Scientist who expects more from their career You will be at the forefront of dunnhumby's research data science team where you will be translating a complex business problem into a data science problem and solving that with scalable and state-of-the art AI algorithms. Joining our research data science team, you will be helping identify new opportunities within the Data Science space for future dunnhumby solutions. Learn from experts and grow your career in our organisation What we expect from you Degree or equivalent in a statistical or mathematical subject. 2-5 Years of experience in Data Science Good understanding of statistics and mathematical methodologies used – especially forecasting, regression, linear models, time series, hypothesis tests and optimisation Ability to prototype solutions using Python and Spark to facilitate development and testing of algorithms on large data sets Good understanding of machine learning techniques, with applications to classification, prediction and clustering Ability to apply and extend experimental design methodology to conduct rigorous measurement of treatment effects Good working knowledge of databases, including SQL, relational and non-relational data models Experience of using following algorithm at scale: Ancova, linear models with regularization, clustering, random forests, xgboost Research the latest machine learning approaches Good grasp of Object-Oriented Programming Ability to quickly learn open-source statistics and machine learning packages – Pandas, SciPy, Scikit - learning, Tensor flow. What you can expect from us We won't just meet your expectations. We'll defy them. So you'll enjoy the comprehensive rewards package you'd expect from a leading technology company. But also, a degree of personal flexibility you might not expect. Plus, thoughtful perks, like flexible working hours and your birthday off. You'll also benefit from an investment in cutting-edge technology that reflects our global ambition. But with a nimble, small-business feel that gives you the freedom to play, experiment and learn. And we don't just talk about diversity and inclusion. We live it every day – with thriving networks including dh Gender Equality Network, dh Proud, dh Family, dh One and dh Thrive as the living proof. We want everyone to have the opportunity to shine and perform at your best throughout our recruitment process. Please let us know how we can make this process work best for you. For an informal and confidential chat please contact stephanie.winson@dunnhumby.com to discuss how we can meet your needs. Our approach to Flexible Working At dunnhumby, we value and respect difference and are committed to building an inclusive culture by creating an environment where you can balance a successful career with your commitments and interests outside of work. We believe that you will do your best at work if you have a work / life balance. Some roles lend themselves to flexible options more than others, so if this is important to you please raise this with your recruiter, as we are open to discussing agile working opportunities during the hiring process. For further information about how we collect and use your personal information please see our Privacy Notice which can be found (here)

Basic Details: Fill the required information about business, unit, location, position, reports to position and date of updation of JD Business Financial Services HO Unit Aditya Birla Finance Limited Location Chennai Poornata Position Number of the job NA Reports to: Poornata Position Number 00115102 Poornata Position Title of the job (30 characters max) Area Credit Manager Reports to: Poornata Position Title Regional Credit Manager Function Risk Management & Compliance Reports to: Function Risk – Mortgages Department Risk – Mortgages Reports to: Department Risk – Mortgages Designation of the Employee Area Credit Manager Designation of the Manager Regional Credit Manager Date of writing/updation of JD 24 th Sep 2021 Job Purpos e: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters) To recommend proposals to RCM, ZCM, NRM, Credit Committee for decision on the case. To manage CPAs, Legal agencies, Technical agencies & verification agencies to facilitate the quick turnaround of credit lending proposals. The key responsibilities include initial screening of the proposal, thorough preparation appraisal of credit proposals with the required due diligence; co-ordination with the sales team for resolution of credit and risk concerns, maintaining Turn Around Time (TAT); interfacing with the Sales team,External agencies (legal, Technical, verification) &Regional Credit Manager for faster decisions; Assist business functions and Sr. Credit Analyst for decision of the case. Dimensions : Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number (Max 254 Characters) Unit Workforce Number (Max 254 Characters) Function Workforce Number (Max 254 Characters) Department Workforce Number (Max 254 Characters) Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Job Context & Major Challenges : Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ( (Max 3975 Characters) As the debt arm of Aditya Birla Financial Services Group (ABFSG), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, we have made significant progress and our balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. A well established brand and top 3 player in the Capital Markets space, today our product suite comprises of a well-diversified look, with equal weightage and focus given to the 3 lines of business. Having seen a y.o.y cumulative growth of 50% in both top-line and bottom line, sustainable profitability continues to be the key management agenda. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space – spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFG, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements. The Risk & Compliance is engaged in formulating credit risk policies for all ABFL businesses, carries out risk assessment of credit proposals, obtains credit decisions from Credit Committees, monitors credit exposure and carries out recovery of over dues. It formulates risk policies in association with Central Risk, ABFSG for overall risk management in ABFL. Credit / Loan proposals prepared by Business Credit team are critically analyzed from credit risk perspective and the proposals along with Risk Assessment Sheet are put upto to Credit Committee for approval. While carrying out critical evaluation of the credit proposal the function also carries out evaluation of the risk mitigants in the credit proposal like the nature and the quality of the collateral, adequacy of the collateral, acceptability of the collateral given the regulatory and the compliance needs. The Risk & Compliance function carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. Currently monitoring is done in association with Business Teams as RMG does not have presence at Branch level. It carries out over due loan recovery from defaulting clients in coordination with Business Teams. The Mortgage Lending Division caters to the short term and long term funding needs of the Institutional as well as retail clients across the country. The product portfolio includes Loan against property, Lease rental discounting, home loans, Construction Finance, Structured Finance & Real Estate Investment products (NCDs). The Risk and Compliance function is engaged in evaluating the creditworthiness of the loan applications for CMG, CFD, SME and Mortgage lending divisions considering the quantitative & qualitative factors like ownership, size & market presence of the client business, capital adequacy, collateral quality, earnings quality, liquidity, management quality & client credibility & adherence to statutory requirements Both risk and credit functions are combined in the Mortgage product and are performed by the same team of credit analysts across all locations which not only includes Independent assessment of Credit and risks associated with proposal but also identifying & accepting the mitigants for going ahead with the transaction . Loan proposals are critically analyzed from credit risk& property risk perspective for further decision at the local / Regional / National levels within the respective authorities & recommended to the Credit Committee for approval if beyond purview of the respective authorities. Credit Risk & compliance carries out monitoring of client wise exposure and portfolio exposure to identify ‘early warning signals’ of stress and to minimize NPAs. It also carries out over due loan recovery from defaulting clients in coordination with Business Teams. The Credit Analyst is an integral part of the Risk & complianceand is responsible for analyzing the proposal with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team for faster decisions to improvise TATs of the overall sanction process. The Credit Analyst also manages CPAs who do the processing and the basic data entry of the files & he also has to liaise with the verification agencies, technical agencies and Legal agencies to ensure that the property risk & customer risks are managed. The major challenges to this profile include Availability of data and information for exhaustive credit appraisals as each of the proposals has their respective structuring complexities as per the customer, product & regulatory requirements. Ensuring faster TATs in a highly competitive & dynamic market conditions and scale of operations due to voluminous retail transactions as well as structured high value deals. Liasing with external agencies (legal, Technical, verification) to ensure that crdit risk, customer risk & property risk are all mitigated. Cross functional coordination to enable timely approval of credit proposals. Pro- active monitoring and regularization of sticky accounts as well as pending documents. Self updation on economic / sectoral changes in the economy Seamless co-ordination with multiple internal and external entities The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision making skills, initiative & target orientation & market intelligence developed through a strong industry network. Profile also requ ires good interpersonal skills due to high cross functional engagement not only internal teams and stake holders but also with external agencies. The role also calls for team management and man-management skills as the Sr. Credit Analyst needs to co-ordinate with various people to achieve his job objectives. The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 0-4yrs of experience in credit and risk functions of Banks/NBFCs. Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas ( Max 1325 Characters) Supporting Actions ( Max 1325 Characters) To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels To scrutinize the credit proposals by analyzing the client creditworthiness, business strength, market credibility, Financial statements, Income Tax returns, cash flow statements, repayment track record, average bank balance & adherence to other internal credit norms To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. To submit Credit Appraisal Memo to the Sr. Credit Analyst / Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. Ensuring no loss of revenue – by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans.Ensuring proper mortgage is created in favour of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. To monitor the existing portfolios based on designed formats and parameters To monitor the Mortgages portfolio performance by continual analysis of changes in fundamentals & reviewing the ratings change, analyze covenants for deviations and evaluate industry performance norms in that sector To monitor the overdue position and take appropriate steps to support the recovery process for the same. Follow up for the pending OTC and PDD documents for the location, Critical review of the pending documents. Monitoring and keeping an eye on loans by tracking various covenants and monitoring sanction condition put in the proposals at the time of approvals. To maintain network with other financial institutions and able to take independent local industry references for customers if required To adhere to compliance policies in proposal evaluation To ensure that each proposal complies with credit policies; internal & external norms of lending To be involved in continual revision of credit norms by giving requisite inputs to the management To support development of new credit policies and evaluation norms To ensure compliance with robust documentation mechanism To maintain thorough documentation process for effective tracking of proposal documents and TAT monitoring To prepare regular MIS for areas under risk management and give presentation to various stakeholders To prepare MIS & trend charts on portfolio progress/variances/defaults for all the loans during their credit life cycle & send them to the team leader/CRO Job Purpose of Direct Reports : Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) NA Relationships : Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type ( Max 80 Characters) Frequency Nature ( Max 1325 Characters) Internal Head Credit, Risk & compliance Regional Credit Manager Mortgages Credit Analyst / CPA Sales team Operations dept Other support functions Weekly Daily Daily Daily Daily MIS, intimation in cases requiring management intervention Recommendations on loans, ongoing portfolio/client reviews, documentation audits MIS, intimation on major shortfall/skips/defaults in portfolios Client servicing issues, Mortgage creation, Disbursal completion Business discussions for smooth operations External Clients Auditors/ Lawyers/ Valuers/ FI & Fraud Containment Agencies All proposal daily/ alternate day Need based Daily CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings CRM, understanding the market pulse of new initiatives etc Ensuring proper Credit and Business discussions for smooth operations Organizational Relationships : Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position. SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to – Manager Name Signature (needed for the hard copy)

KEY ACCOUNTABILITIES Collaborate with cross-functional teams (e.g., data scientists, software engineers, product managers) to define ML problems and objectives. Research, design, and implement machine learning algorithms and models (e.g., supervised, unsupervised, deep learning, reinforcement learning). Analyse and preprocess large-scale datasets for training and evaluation. Train, test, and optimize ML models for accuracy, scalability, and performance. Deploy ML models in production using cloud platforms and/or MLOps best practices. Monitor and evaluate model performance over time, ensuring reliability and robustness. Document findings, methodologies, and results to share insights with stakeholders. QUALIFICATIONS, EXPERIENCE AND SKILLS Bachelor’s or Master’s degree in Computer Science, Data Science, Statistics, Mathematics, or a related field (graduation within the last 12 months or upcoming). Proficiency in Python or a similar language, with experience in frameworks like TensorFlow, PyTorch, or Scikit-learn. Strong foundation in linear algebra, probability, statistics, and optimization techniques. Familiarity with machine learning algorithms (e.g., decision trees, SVMs, neural networks) and concepts like feature engineering, overfitting, and regularization. Hands-on experience working with structured and unstructured data using tools like Pandas, SQL, or Spark. Ability to think critically and apply your knowledge to solve complex ML problems. Strong communication and collaboration skills to work effectively in diverse teams. Additional Skills (Good to have) Experience with cloud platforms (e.g., AWS, Azure, GCP) and MLOps tools (e.g., MLflow, Kubeflow). Knowledge of distributed computing or big data technologies (e.g., Hadoop, Apache Spark). Previous internships, academic research, or projects showcasing your ML skills. Familiarity with deployment frameworks like Docker and Kubernetes. #LI-AA6