Cash Management Job Vacancies in Bangalore

SME Relationship Manager Company: Talent Zone ConsultantJob Title: Senior SME Relationship Manager / SME Lending Relationship ManagerExperience: 8-10 YearsLocation: Bangalore / Mysore / ChennaiEmployment Type: Full-timeJob SummaryTalent Zone Consultant is looking for an experienced SME Relationship Manager with 8-10 years of experience in SME lending, business banking, NBFC, FinTech or financial services.The ideal candidate will be responsible for SME customer acquisition, credit assessment, loan sourcing, portfolio management and revenue growth. The role requires strong knowledge of working capital, business loans, term loans and secured/unsecured SME lending, along with the ability to build long-term relationships with SME clients.Current SME banking roles in Bangalore emphasize acquiring, growing and retaining profitable SME portfolios, structuring appropriate credit facilities and managing portfolio returns.Key ResponsibilitiesAcquire new SME/MSME customers through direct sourcing, referrals, channels and market outreach.Develop and maintain strong relationships with SME business owners, promoters and key decision-makers.Manage the complete lending lifecycle from lead generation to sanction and disbursement.Understand customer business models, financial requirements and working-capital needs.Conduct preliminary credit assessment and financial analysis of SME borrowers.Analyse financial statements, cash flows, banking transactions and repayment capacity.Prepare and coordinate credit proposals and loan documentation with Credit and Risk teams.Handle Working Capital Loans, Term Loans, Business Loans, LAP and other SME lending products.Coordinate with Credit, Operations, Legal, Risk and Collections teams for timely processing and disbursement.Manage and grow an existing SME lending portfolio while maintaining portfolio quality.Track customer repayment behaviour, exposure, delinquency and credit risk.Identify cross-sell and up-sell opportunities across lending, payments, cash management and other financial products.Achieve monthly/quarterly acquisition, disbursement, revenue and portfolio growth targets.Build relationships with DSAs, channel partners, brokers and referral networks.Monitor market trends, competitor offerings and emerging SME financing opportunities.Ensure compliance with internal policies, KYC requirements, credit guidelines and applicable regulations.Required SkillsCore Skills:SME Lending, MSME Lending, Business Banking, Credit Assessment, Credit Analysis, Loan Processing, Loan Origination, Customer Acquisition, Portfolio Management, Relationship Management, Business Development, Financial Analysis, Financial Statement Analysis, Working Capital Loans, Term Loans, Business Loans, LAP, Secured Lending, Unsecured Lending, Credit Appraisal, Credit Underwriting, Risk Assessment, Portfolio Growth, Revenue Growth, Cross Selling, Upselling, Channel Management, DSA ManagementAnalytical / Technology Skills:Financial Modelling, Credit Risk Analysis, Banking Analysis, Cash Flow Analysis, MS Excel, CRM, MIS Reporting, Portfolio Analytics, Business AnalyticsSoft Skills:Client Relationship Management, Stakeholder Management, Negotiation Skills, Communication Skills, Presentation Skills, Business Acumen, Market Development, Problem Solving, Target OrientationCandidate Profile8-10 years of experience in SME/MSME lending, business banking, NBFC, FinTech or financial services.Strong track record in SME customer acquisition and portfolio management.Hands-on experience in credit assessment and loan processing.Good understanding of financial statements, cash flow and borrower creditworthiness.Experience handling working capital and term lending products is preferred.Candidates with experience managing high-value SME portfolios will be preferred.Strong ability to acquire new customers while retaining and expanding existing relationships.Experience working with Credit, Risk, Operations and Collections teams.MBA/PGDM in Finance/Marketing or equivalent qualification preferred.

We are looking for a skilled Head Bartender to lead our bar team in Bangalore. The ideal candidate should have a passion for mixology and an ability to create a welcoming atmosphere for our guests.Key Responsibilities:- Manage Bar Operations: Oversee daily bar operations, ensuring efficiency and maintaining a high standard in service and cleanliness.- Create Cocktails: Design and prepare a diverse menu of cocktails, ensuring exceptional taste and presentation to delight customers.- Train Staff: Educate and train bartenders on drink preparation, customer service, and health and safety standards to enhance team performance.- Maintain Stock Levels: Monitor inventory levels and coordinate with suppliers to ensure the bar is always stocked with necessary ingredients and supplies.- Engage with Customers: Build relationships with guests, take special requests, and create a memorable drinking experience that encourages repeat visits.- Handle Payments: Process customer transactions accurately and manage cash handling responsibly to ensure financial integrity.- Implement Health Standards: Ensure compliance with health and safety regulations in all aspects of bar operations.Required Skills and Expectations:Candidates should have 1 to 5 years of bartending experience and a strong grasp of cocktail preparation techniques. A minimum of a 10th-grade education is required. The ability to lead a team, strong communication skills, and a friendly attitude toward guests are essential. Candidates should be knowledgeable about drink recipes, cocktail garnishing, and bar equipment. Lastly, the role requires a commitment to delivering exceptional customer service and a passion for creating great experiences for our patrons.

The role involves acquiring new customers, promoting financial products, and building long-term client relationships.Key ResponsibilitiesAcquire customers for demat accounts through direct/field sales.Drive sales of third-party products including Insurance, Mutual Funds, SIPs, and Loans.Engage with prospective customers to promote wealth management products.Leverage marketing campaigns to build and manage a strong prospect funnel.Minimum 1-10 years of sales experience from Banks, Fintechs, Broking, Financial Services, or Insurance industries.Strong understanding of financial markets and investment products.Comfortable with new client acquisition and field sales activities.Excellent communication, interpersonal, and negotiation skills.Target-driven, self-motivated, and able to work independently as well as in a team.

Hiring *Senior Accounts Executive* *Location* : Yelahanka, Bangalore*Industry* : Hospital / Healthcare*Position* : Senior Accounts Executive*Experience* : 3+ Years (Hospital experience mandatory)*Qualification* : MBA (Finance) / B.Com / M.Com*Salary* : Up to 6 LPA*Job Responsibilities* : Handle day-to-day accounting operations Manage hospital billing, receivables & payables Prepare financial statements and MIS reports GST, TDS filing & statutory compliance Bank reconciliation & ledger scrutiny Coordinate with auditors and internal departments Ensure accurate and timely financial reporting*Key Skills Required* : Strong knowledge of hospital accounting procedures Experience in Tally / ERP systems Good understanding of GST, TDS & taxation Strong analytical & reconciliation skills Attention to detail and accuracy Good communication & coordination skills*Preferred* : Candidates from hospital / healthcare background Immediate joiners preferred Candidates residing near Yelahanka or North Bangalore Experience in NABH compliance documentation*Contact* : 9066346619*Email* : careers@elitetalentsolutions.in

Job Description: Outbound Calls: Reach out to leads to promote Life Insurance / MF products. Product Knowledge: You should understand and convey the features and advantages of Life Insurance / Mutual funds plans to the customers via calls. Sales Goals: Meet or exceed sales targets within specified timelines. Customer handling: Identify common client challenges and actively counsel higher solutions. Direct Meeting: Direct Meetings or Virtual meetings should be done based on the customer's needs.

Join our team in Bangalore as a Tele Sales Officer! As a Tele Sales Officer, you will be responsible for cash collection, collections recovery, inbound process, and credit control. You will be making outbound calls to customers to recover outstanding payments and assist with credit control processes. This role requires excellent communication skills and the ability to work efficiently in a fast-paced environment. The ideal candidate will have a 12th pass education and 0-2 years of experience in a similar role. If you are a motivated individual who thrives in a target-driven environment, this is the perfect opportunity for you to excel in your career.

Job Title: Business Development Executive HNI SalesLocation: BangaloreCompany: I Cap Financial ServicesAbout Us:I Cap Financial Services is a trusted name in the financial domain, offering a wide range of investment solutions including Unlisted Shares, Pre-IPO Opportunities, Equities, Mutual Funds, PMS/AIF, and other financial products. We specialize in building strong relationships with HNI clients and delivering high-value investment opportunities.Role Overview:We are seeking a dynamic and driven Business Development Executive to focus on acquiring, managing, and expanding our High Net-Worth Individual (HNI) client base. The ideal candidate should have excellent communication skills, a passion for sales, and a keen interest in financial markets.Key Responsibilities:Identify and acquire new HNI clients for investment in Unlisted Shares, Pre-IPO, and other financial products.Pitch investment opportunities and build long-term relationships with clients.Understand client needs and provide customized investment solutions.Stay updated with market trends, product offerings, and competitor activities.Achieve sales targets and contribute to overall revenue growth.Work closely with the advisory and research team to deliver value-driven investment strategies.Requirements:Bachelors degree in Finance, Business, or a related field (MBA preferred).Proven interest or prior experience in sales/financial services/investment products.Strong communication, negotiation, and presentation skills.Ability to engage and build rapport with HNI clients.Goal-oriented with a passion for achieving targets.Knowledge of equities, unlisted shares, or investment products will be an added advantage.What We Offer:Attractive performance-based incentives.Exposure to exclusive Pre-IPO and Unlisted Share opportunities.Growth-oriented environment with strong career progression.Opportunity to work closely with market experts andHNIinvestors.

join our team: debt collections / recovery agent at cpj telemediaare you an experienced professional with a talent for negotiation and communication? shanmugamsolution cis hiring for the role of debt collections / recovery agent at our office in Kengeri, Bangalore bangalore!position: debt collections / recovery agentlocation: koramangala, ejipura, bangalore, karnatakatiming: 10:00 am - 7:00 pm (mon-sat)fixed sunday offsalary: 15,000 - 20,000/month + unlimited incentiveskey responsibilities:make manual and dialer-based calls to clientsconduct initial calls and follow-upsengage in meaningful conversations following company guidelinesconvert leads into sales and ensure online payment collectionsmaintain accurate and timely reporting to the team leaderwork with discipline and follow company proceduresqualifications & skills:must be a resident of bangalorestrong communication and convincing skillsproficiency in south indian languages Kannadanworking knowledge of the internet (mobile and laptop)experience in debt collections or recoveryshanmugamsolution at Sha we offer a competitive salary package and unlimited incentives for those who thrive in a fast-paced, results-driven environment. if youre ready to make an impact, apply today and join a growing team!Experience1 - 3 YearsNo. of Openings20EducationB.A, B.Arch, B.B.A, B.C.A, B.Com, B.Ed, DiplomaRoleCollection OfficerIndustry TypeBanking / Financial Services / Stock BrokingGender[ Male / Female ]Job CountryIndiaType of JobFull TimeWork Location TypeWork from OfficeFace interview location# , No 4 5 6 ,Marappa Layout Gandhinagar Kengeri Road Bengaluru Pin : 560060

Position DetailsJob Title: Admin Executive (with part Accounts responsibilities)Locations: Bangalore Employment Type: Full-timePrimary Responsibilities: Administration1. Office Management:o Oversee daily office operations, including managing office supplies and equipment.o Ensure the office environment is organized, clean, and operationally efficient.2. Coordination and Scheduling:o Schedule and organize meetings, appointments, and company events.o Coordinate with internal departments and external vendors for office needs.3. Documentation and Record Management:o Maintain employee records, office files, and ensure proper documentation and archiving.o Handle correspondence and communication for the office.4. Event and Travel Management:o Organize travel arrangements, accommodations, and logistics for employees.o Plan and execute local office events and workshops.5. Vendor and Facility Management:o Manage vendor contracts and service agreements for office facilities.o Oversee minor facility repairs and maintenance as needed.________________________________________Secondary Responsibilities: Accounts Support1. Petty Cash Management:o Handle petty cash for local office expenses and maintain accurate records.2. Invoice Coordination:o Assist in processing invoices and forwarding them to the head office accounts team. o Project wise amount Outstanding receivable part follow up with sales team o share payment status details 3. Banking Assistance:o Perform minor banking tasks like deposits or collections, if required.________________________________________Qualifications Required1. Education:o Bachelors degree in Business Administration or a related field (Admin focus).2. Experience:o 2+ years of experience in administration or a similar role.o Basic knowledge of accounting processes (preferred but not mandatory).3. Skills:o Strong organizational and multitasking skills.o Proficiency in MS Office (Word, Excel, PowerPoint).o Excellent communication and coordination abilities.

Desired Profile Graduate / Post graduate 2yrs- 10 years of Sales experience in direct selling of financialproducts like Equity/ Mutual Fund/Commodity/ Derivatives sales, PMS & AIF. Candidates having AUM (Asset under Management) connect among HNIs/UHNIs, will have advantage. Should have good communication & presentation skills. Pleasing and positive attitude. Should be a self-starter, proactive & target oriented. Relationship building skillsJob Description: Will be responsible for primarily selling Equity based investment products (InvestmentAdvisory, Portfolio Management Services, PMS) Responsible for identifying customer needs, assessing their risk appetite and providing theminvestment options.

Were Hiring: Wealth Manager Sales (Banking / Financial Services / Broking)Location: Delhi Mumbai Bangalore Experience: Minimum 23 years in PMS , Mutual Funds & AIFAge: Up to 40 yearsAbout the Role:We are looking for passionate Wealth Managers with strong expertise in Portfolio Management Services (PMS) , Mutual Funds and Alternative Investment Funds (AIF) to join our growing team. This role demands a proactive approach to wealth creation and client relationship management.Will be responsible for primarily selling Equity based investment products (Investment Advisory, Portfolio Management Services, PMS)Responsible for identifying customer needs, assessing their risk appetite and providing them investment options .What Were Looking For: 23 years of relevant experience in PMS , Mutual funds & AIF Strong understanding of investment strategies Excellent communication & client management skills

We have vacant of 2 Fund Manager Jobs in Bangalore, Hyderabad, Pune Sector No 26, Chennai, Experience Required : 2 Years Educational Qualification : B.B.A, M.B.A/PGDM, M.Com Skill Cash Handling, Cash Management Services etc.

Greet and assist customers Answer customers questions about specific products/services Conduct price and feature comparisons to facilitate purchasing Cross-sell products Ensure racks are fully stocked Manage returns of merchandise Inform customers about discounts and special offers Coordinate with the local as wall as head office team for stock offers and customer feedback Stay up-to-date with new products/services

Join Our Team: Debt Collections / Recovery Agent at CPJ Telemedia Are you an experienced professional with a talent for negotiation and communication? CPJ Telemedia is hiring for the role of Debt Collections / Recovery Agent at our office in Koramangala, Ejipura, Bangalore! Position: Debt Collections / Recovery Agent Location: Koramangala, Ejipura, Bangalore, Karnataka Timing: 10:00 AM - 7:00 PM (Mon-Sat) Fixed Sunday Off Salary: 15,000 - 20,000/month + Unlimited Incentives Key Responsibilities: Make manual and dialer-based calls to clients Conduct initial calls and follow-ups Engage in meaningful conversations following company guidelines Convert leads into sales and ensure online payment collections Maintain accurate and timely reporting to the Team Leader Work with discipline and follow company procedures Qualifications & Skills: Must be a resident of Bangalore Strong communication and convincing skills Proficiency in South Indian languages + English + Hindi Working knowledge of the internet (mobile and laptop) Experience in debt collections or recoveryAt CPJ Telemedia, we offer a competitive salary package and unlimited incentives for those who thrive in a fast-paced, results-driven environment. If youre ready to make an impact, apply today and join a growing team!

Role and responsibilities ;-The role would require to cater to investment needs of mass affluent clients. To meet desired revenue, client acquisition and AUM targets. To ensure all processes are followed keeping in mind the ethos of the organization.Key Deliverables1. to investment needs of mass affluent clients by recommending products like MF, PMS, AIF, PE, SP, Unlisted Shares, Bonds, Direct Equity and Equity Advisory Products2. Meet the required AUM, investor acquisition and AUM targets for given area.3. Ensure the timely delivery of customized wealth advise to HNI customers4. Periodic review of clients portfolio to ensure that they are in line with clients investment objectives5. Joint calls with branch teamRole Requirementso Educational Qualifications: Post Graduationo Experience: 1+ Years in sales/wealth management of handling the HNI clients.o Preferred industry back ground: Wealth Management, Banking, Investment Counsellingo Domain Knowledge: Sales/Wealth Management, capital markets, Investment Products

Position: Relationship Manager- Branch BankingCTC: up to 8.5 LPA + IncentivesExp. 2+ Yrs. in CASA Acquisition/Portfolio Management from BFSI IndustryLocation: Vizag, BangaloreEducation: Graduate/ PGIndustry: BankingJob Role:Development of new business and retention of existing customers.Nurture relationships with mapped clients for investment needs; maintain regular interactions with the customers to assess their needs.Contributing towards increasing liabilities size of relationship through balances in accounts of existing customers and enhancing customer profitability by capturing larger share of wallet.Increasing customer engagement through cross-selling investment and non-investment products.Cross selling of Third party products like LI, GI, FD, RD & Mutual Funds etc.Going for 2-3 clients meeting on daily basis to generate revenue.Job Mandates:Good communication & interpersonal skills.Candidates with lesser notice period will be given preference.Must be ok in field sales.Please share latest CV at amit@assuredjob.com and connect on 7827930908 for more details.

Role DescriptionThis is a full-time hybrid role for an Oracle Fusion Finance Functional Consultant, located in Hyderabad with some remote potential. The Oracle Fusion Finance Functional Consultant will be responsible for implementing and developing the Oracle Fusion Finance Cloud/EBS applications for various corporations. The consultant will be developing, testing, deploying, and supporting Oracle Cloud applications. The consultant will be translating business requirements to technical specs, create design documents, and collaborate with cross-functional teams to identify business opportunities and provide customized solutions.QualificationsBachelor's degree or higher in Computer Science, or a related fieldMinimum 6+ years of relevant Oracle Cloud Finance experience (implementation/upgrade/maintenance)Experience in implementation of Oracle Fusion Cloud Modules such as GL, AP, AR, FA, CM, Tax, and IntercompanyExperience configuring and setting up workflows in Oracle Fusion Cloud applications, as well as have a deep understanding of Oracle Cloud application architecture.Experience with Oracle EBS R12 Financials Modules, and hands-on experience in at least two of the Finance Modules such as General Ledger, Receivables, Payables, Assets, Cash Management, Purchasing and CostingExperience in Oracle Cloud Report Development using OTBI (Oracle Transactional Business Intelligence) and BI PublisherExcellent written and verbal communication skills, including the ability to present and explain technical information in a way that establishes rapport, persuades others, and gains understanding.Strong problem-solving skills, ability to work proactively and independently, and handle multiple tasks simultaneously.Ability to work in a fast-paced and dynamic environment, and effectively lead teams in various settings.Experience in other Oracle EBS/Fusion cloud applications a plus.

JOB RESPONSIBILITIES: The relationship manager responsibilities include bringing in AUM, on boarding new clients, generating revenues and guiding senior executives in making sound business decisions. Dealing with products such as mutual funds, PMS, AIF, Insurance and Bonds. Have excellent communication skills and feel comfortable reaching out to potential clients to demonstrate our services and products through email and phone.JOB ROLES Create customized financial plans based on investment goals, risk, and performance. Manage investment portfolios, make investment decisions, and monitor asset performance. Minimize tax liabilities through tax-efficient investments. Build and maintain strong client relationships on behalf of their organization. Strong grasp of different types of asset classes, including MF, AIF, PMS, Insurance, and other structured products. Familiar with financial and compliance regulations and fiduciary responsibilities QUALIFICATIONS: Master's degree in Finance, MBA or equivalent qualification Minimum of 5-15 years of experience in Wealth management Proven track record of success in a similar role Excellent leadership, organizational, and communication skills Strong knowledge of products and taxation. Ability to identify and mitigate risks and make sound business decisions. Candidates with IRDA, NISM-VA certification will be preferred. Familiar with financial and compliance regulations and fiduciary responsibilities

1.New Wealth Client acquisition through Branches.2. Achieve revenue targets.3. Corporate Presentations & Tie-ups4. Regular Lead Generation Activities.

Extensive experience providing production support for Oracle Fusion Financials applications.Serve as the primary point of contact for functional support of Oracle Fusion Financials applications, including General Ledger, Accounts Payable, Accounts Receivable, Fixed Assets, and Cash Management.Investigate and analyze incidents and problems related to financial processes, striving for timely resolutions.Collaborate with technical teams to diagnose and resolve complex functional issues impacting the financial systems' performance and functionality.Deep knowledge of Oracle Fusion Financials modules, including General Ledger, Accounts Payable, Accounts Receivable, Fixed Assets, and Cash Management

Skills Required:Communication: Strong interpersonal and communication skills to engage with people in different settings.Attention to Detail: Accuracy in collecting and documenting data.Problem Solving: Ability to handle challenges and unexpected situations in the field.Organizational Skills: Managing time and tasks efficiently when moving between locations.Technology Skills: Familiarity with mobile devices, data collection tools, or software to record and report findings.;

Position: SALES MANAGERExperience: 8 - 12 Years of experienceLocation: Hyderabad, Delhi, BangaloreAbout this Job:The ideal candidate will lead in to generate and engage with channel partners to build new business for the company. This candidate will be focused and have strong communication skills. They should be having experience in managing teams and handling Clients for both B2B & B2C.Job Responsibilities:Channel Sales Role To acquire, establish, maintain and deepen the relationships with channel partners/distributors (IFAs/MFD/Wealth Managers, etc.) and drive sales of fractional ownership and other products of the organization.You will be dealing with Banking/ Mutual Funds/AIF/PMS/ Finance/Insurance Industry/Wealth Management/Real Estate Partners. To Tie-up with channel partners and other organized/unorganized channels and to drive the sales. To Train and assist the channel partners on our products and platform. To conduct regular events and activities to engage the partners and acquire new partnersTo maintain the database of the partners/clients, etc in an organized manner.To be willing to travel for events/seminars as per the requirements of the channel partner.To be willing to take care and manage the team along with deliverables.Job Requirements:Must have experience in Banking/ Finance/Insurance Industry/Wealth Management.Good to have connections with channel partners and worked in the CRM Portfolio.Should be comfortable traveling and meeting clients on the go.Excellent Communication skills and Interpersonal Skills.Proficiency in native language is an added advantage to the requirement.A Master's Degree is mandatory.Seek New Business and Meet Targets.Team building and team leading skills.Experience level - 8-12 yrs

Position: Senior Relationship Manager Experience: 7+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is looking for an experienced Senior Relationship Manager for a leading BFSI organization in Bengaluru. The candidate will be responsible for managing and growing an existing client portfolio, acquiring new customers, increasing revenue and wallet share, and providing suitable banking/financial solutions.Key ResponsibilitiesManage and deepen relationships with existing corporate, business, HNI or affluent clients.Identify and acquire new-to-bank customers through market mapping, referrals and networking.Drive revenue, portfolio growth, customer acquisition and wallet-share targets.Understand client business/financial requirements and recommend appropriate banking and financial products.Cross-sell products such as loans, working-capital facilities, trade finance, cash management, insurance, investments and other banking solutions.Develop and execute client acquisition and relationship-growth strategies.Conduct regular client meetings, portfolio reviews and business discussions.Coordinate with Credit, Risk, Product, Operations and Compliance teams to ensure smooth delivery of solutions.Prepare business proposals and support credit appraisal/structuring wherever applicable.Monitor portfolio performance, customer satisfaction and potential business/risk issues.Maintain strong knowledge of market trends, competitor offerings and BFSI products.Ensure adherence to KYC, AML, RBI regulations, internal policies and responsible-sales practices.Maintain accurate customer records, pipeline reports and MIS.Meet and exceed individual and team business targets.Candidate Requirements7+ years of relevant experience in Relationship Management, Corporate Banking, Business Banking, Retail/Commercial Banking, Wealth Management, NBFC or Financial Services.Graduate degree required; MBA/CA preferred for corporate/business banking roles.Proven track record of client acquisition, portfolio growth and revenue generation.Strong understanding of banking products and financial solutions.Experience managing high-value/corporate client relationships preferred.Strong negotiation, presentation and stakeholder-management capabilities.Ability to independently manage targets, client portfolios and business development activities.

Position: Senior Credit Analyst / Credit Risk AnalystExperience: 8+ YearsLocation: Bengaluru, KarnatakaEmployment Type: Full-timeJob DescriptionTalent Zone Consultants is seeking an experienced Senior Credit Analyst for a leading BFSI organization in Bengaluru. The candidate will be responsible for conducting comprehensive credit assessments, evaluating the financial strength and creditworthiness of corporate/financial-institution clients, preparing credit appraisal and risk reports, monitoring portfolios, and providing well-reasoned credit recommendations.Key ResponsibilitiesConduct detailed credit assessment of corporate clients, financial institutions, NBFCs or other assigned portfolios.Analyse balance sheets, profit & loss statements, cash flows, capital structures and financial ratios.Prepare Credit Appraisal Memorandums (CAMs), credit notes, risk assessment reports and credit recommendations.Evaluate business models, industry risks, management quality, repayment capacity and overall creditworthiness.Perform financial modelling, cash-flow forecasting, sensitivity analysis and stress testing.Assess leverage, DSCR, EBITDA, working capital, liquidity and other key credit metrics.Conduct industry research, peer benchmarking and economic analysis to identify emerging credit risks.Recommend appropriate credit limits, lending structures, covenants and risk mitigants.Monitor existing portfolios, covenant compliance, financial performance and early-warning indicators.Review waivers, amendments, renewals and restructuring proposals where required.Ensure credit decisions comply with internal credit policies, risk appetite and applicable regulatory requirements.Work closely with Relationship Managers, Credit Risk, Legal, Operations and senior management.Present credit recommendations and risk findings to senior stakeholders/credit committees.Mentor junior credit analysts and review the quality of their credit deliverables.Identify opportunities for process improvement, automation and enhanced credit-risk reporting.Candidate Profile8+ years of relevant experience in credit analysis, credit underwriting, corporate banking, NBFC, financial institutions, structured lending or credit risk.Bachelor's/Master's degree in Finance, Commerce, Accounting, Economics or Business Administration.CA / MBA Finance / CFA / FRM preferred.Strong experience in corporate/non-retail credit analysis and underwriting.Excellent understanding of financial statements, accounting principles and credit-risk methodologies.Proven experience preparing credit appraisal notes and making independent credit recommendations.Strong stakeholder-management and team-mentoring capabilities.Ability to independently handle complex credit cases and work under strict timelines.