Credit Risk Management Jobs

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.

Key Responsibilities:1. Assessing creditworthiness: Reviewing financial information, credit scores, and payment history of clients to determine if they qualify for credit.2. Analyzing risk: Evaluating the risk associated with extending credit to clients based on their financial status and market conditions.3. Making credit decisions: Deciding whether to approve, deny, or modify credit applications based on the analysis conducted.4. Monitoring credit accounts: Tracking the repayment behavior of clients to ensure they are meeting their credit obligations.5. Providing recommendations: Offering suggestions for credit terms, limits, and repayment schedules to mitigate risk and maximize profitability.Required Skills and Expectations:1. Bachelor's degree in finance, accounting, or a related field.2. Strong analytical skills to interpret financial data and assess credit risk.3. Experience with financial modeling and risk assessment techniques.4. Excellent attention to detail and ability to make sound judgments.5. Good communication skills to interact with clients and colleagues effectively.6. Knowledge of regulatory requirements and compliance standards related to credit analysis.

About the RoleWe are seeking a motivated and detail-oriented Risk Manager with experience in NBFCs or banks. The role requires strong expertise in risk assessment, credit underwriting, and compliance monitoring to ensure a healthy loan portfolio.Key Focus AreasRisk Assessment: Identify and evaluate financial, operational, and strategic risks.Compliance Monitoring: Ensure adherence to RBI guidelines and internal risk policies.Reporting: Prepare risk dashboards and reports for management and compliance teams.Collaboration: Work with business and credit teams to align lending with risk strategies.Roles & ResponsibilitiesSanction secured loans, especially Loan Against Property (LAP) and other secured products.Evaluate borrower creditworthiness and make independent lending decisions.Analyze financial and banking statements for business loans (LAP, MSME finance, working capital, bill discounting).Develop and enforce credit risk mitigation policies on loan terms, collateral, and interest rates.Collaborate with collections teams to minimize NPAs and manage recoveries.Present risk insights and reports to senior management.Streamline loan approval processes in alignment with risk strategy.Skills & Experience RequiredEducation: Bachelors/Masters in Finance, Economics, or Business (MBA/CFA/FRM preferred).Technical: Hands-on experience with LOS, LMS, credit risk models, and data analytics tools.Regulatory: Strong knowledge of RBI guidelines and lending regulations.Soft Skills: Excellent communication, attention to detail, analytical mindset, ability to work under pressure.

Hiring for 10 Credit Relationship Manager Jobs in Satna, with minimum 3 Years Experience,Required Educational Qualification is : B.C.A, B.B.A, B.Com, M.C.A, M.B.A/PGDM, M.Com with Good knowledge in Communication, Problem Solving, Compliance, Risk Analysis, Time Management, Analytical Research etc.

Financial Analysis & Reporting: Strong understanding of financial statements, accounting principles, and performance indicators. Regulatory Knowledge: In-depth knowledge of RBI regulations, financial compliance, and NBFC-specific guidelines. Credit Risk Assessment: Ability to assess and evaluate credit risk and loan portfolio management. Analytical & Problem-Solving: Ability to analyze complex financial data and develop actionable strategies. Communication & Interpersonal Skills: Strong verbal and written communication skills for liaising with clients, stakeholders, and team members. Technical Proficiency: Familiarity with financial management software, accounting tools, and Microsoft Excel for data analysis.

Responsibilities: Develop and validate quantitative models for various risk management purposes, including credit risk, market risk, and operational risk. Collaborate with cross-functional teams to design and implement advanced statistical andmachine learning techniques to enhance risk assessment and decision-making processes. Conduct thorough analysis of large datasets to identify patterns, trends, and potential risks,and provide actionable insights to senior management. Stay abreast of industry best practices, regulatory guidelines, and market developmentsrelated to credit risk management, decision models, CCAR, IFRS9 and CECL, and incorporate findings into model development and validation processes. Work closely with client & stakeholders, including risk management, finance, and regulatory reporting teams, to address model-related issues and provide expert guidance on risk management strategies. Prepare comprehensive documentation, including model documentation, validation reports,and regulatory submissions, to ensure transparency and regulatory compliance.Qualifications: Master's or Ph.D. degree in quantitative finance, mathematics, statistics, computer science or a related field. Minimum of 1-2 years of experience in quantitative modeling and risk management withinthe financial services industry. Strong programming skills in languages such as Python, R, or MATLAB, with experience in data manipulation, statistical analysis, and machine learning techniques. Good knowledge of credit risk modeling methodologies, including probability of default (PD), loss given default (LGD), and exposure at default (EAD). Familiarity with CCAR stress testing, including scenario design, model development, anddocumentation. Familiarity with CECL/IFRS9 implementation and its impact on credit loss estimation andprovisioning.Certification such as FRM (Financial Risk Manager) or CFA (Chartered Financial Analyst) is a plus

*Hiring the Finance Professional across the Industries for UK*Industries: Banking, Finance, Hospitality, Healthcare, Engineering, IT, FMCG The Additional certification and Documents needed for all International Candidates *Language Certificates*: IELTS UKVI General Training Band 5.5 and above UK Naric Band B PTE Score 60% *Documents* : Non-Criminal Certificate / PCC from Native Country and If you have worked in any International Country other than UK Tuberculosis Test Experience: 3 to 20+ SALARY: Min 30,000 GBP +++++ Depends upon experience and the Band POSITION REQUIRED 1. Investment banking2. Financial Analyst3. Financial planner4. Accountant5. Chattered Accountant 6. Risk management7. Credit Management 8. Compliance and Credit9. Treasury manager10. Finance Manager11. Auditors12. Cost Analyst13. Chief Financial Officer14. Corporate finance15. Asset Management16. Portfolio Management17. Private Equity Associate18. Controller19. Finance20. Finance Assistant21. Finance Coordinator22. Financial analysisProcess and Cost : Unless and otherwise mention, The Candidates need to pay for VISA Application Fee , Healthcare Surcharge &

About Us:Mahashakti Finance Ltd is a leading financial services provider committed to helping individuals and businesses achieve their financial objectives. We offer a range of financial products tailored to meet the unique needs of our customers. As a Credit Officer, you will play a vital role in connecting with potential customers, understanding their financial needs, and assisting them in achieving their financial goals.Key Responsibilities:Outreach and AssessmentMake outbound calls to potential customers to discuss our financial products and services.Conduct thorough needs assessments to understand customers' financial goals and recommend suitable financial products.Gather and record essential customer information required for credit evaluation and loan applications.Provide guidance and assistance to customers in completing loan applications accurately.Credit EvaluationAssess the creditworthiness of loan applicants by reviewing financial documents, credit reports, and other relevant information.Make informed decisions regarding loan approvals, taking into consideration risk tolerance and company policies.Strictly adhere to sanctions regulations and company policies to maintain regulatory compliance throughout the loan approval process.Customer RelationsCultivate and maintain strong relationships with clients, providing ongoing support and addressing any inquiries or concerns.Continuously monitor loan repayments, work with customers to ensure timely payments, and take appropriate actions for delinquent accounts.

?Opening for Branch Credit Manager Company : Veritas Finance Pvt LtdLocation : Hosur Role : Branch Credit ManagerExp. : Min 1 Year in Mortgage Loan & HLJoining. : 30 - 60 Days NoticeSalary. : Increment in Current CTC + Annual Bonus + Monthly Incentives. Native - Local surrounding upto 30 kms.

Scope of Work:We are looking for a diligent risk manager to analyze and manage risk management issues for our organization. The Risk Manager's responsibilities include conducting extensive research and assessments to evaluate risk levels, develop contingency plans and solutions that help to reduce and control risks and liabilities.Job Description: Assist in the execution of Technology Risk Assessment interfacing with Business continuity at the provided interfaces Assist in Liaising with BTD to ensure that the Technology Service Continuity (TSC) Plans are filled up and maintained in the relevant Central repository Assist in executing the technology element of the Business Impact analysis Assist the implementation and maintenance of the ITSM process, in harmony with the overall requirements of the organizations Business Continuity Management Process Assist in Providing and maintaining automation capabilities to facilitate organization wide data collection and reporting for Skills Education level: Bachelors degree, MBA (Finance/Economics/Accounting) or any masters will be an added advantage Specific skills: Analytical skills, business understanding, financial and regulation knowledge, people management, relationship management and leadership skills Personal characteristics: Detailed oriented, organized and like working in structured environment, natural leader good at influencing and persuading others Certifications: Any diploma or certified course in Risk Management will be an added advantage

Interested candidate, kindly share your updated resume onRole: MANAGERExperience: 5 10 yearsQualification: BE+MBA / CAJob Location: DelhiPreferred Industries: Banks / NBFC / Rating Agencies, dealing with Power i.e., Renewable, Thermal / Infrastructure i.e., Road, Ports, Highways etc. / Power Projects Consulting etc.Candidate should have hands on experience/expertise on any of the following function: Credit Appraisal (Power/Infra) Project Monitoring (Power/Infra) Risk Management (Power/Infra) Debt SyndicationJOB ROLE: Develop a string of monitoring mechanism for asset managed by the Co. Monitor progress of projects on ground as well as financially. Interaction/liaison with borrower and various FIs/Banks. Restructuring of stressed assets of the Co. Ensure statutory and other compliances. Due diligence of debt proposals from entity, technical and financial perspective, financial modeling sensitivity analysis. Optimum project cost and Implementation schedule. Risk analysis & mitigation, Coordination with Risk team for obtaining risk report for proposals. Act as nodal point of the Co. with the borrower and Co-lenders till fist disbursement including monitor the project progress, attend consortium meetings. Coordination with Legal for finalization and execution of loan agreement.SKILLS & ATTRIBUTES Understanding of technical and commercial aspects of power sector/other infra sector. Understanding of critical financial issues in appraisal/due diligence/structuring of a product. Knowledge of finance viz, analysis of balance sheets, P&L accounts, cash flows, financial ratios, working capital, discounting techniques - IRR, NPVs, financial modeling.Knowledge in regulatory aspects and working experience in other sustainable infra sector like sewage/ water treatment, electric mobility etc. would be added advantage.

DP Calculation / Analysis Checking whether stock statement is properly entered into the system by maker and checker and approve the same in the application/software Ensure quality & timeliness of work Ensuring that all emails are being responded to Studying Memos/ Sanction order and entering the same in application/software Preparation of various MIS and send to our banking clients as and when due. Manage a team of 5-10 people Discussion all challenges of team

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.