Financial Analysis Job Vacancies in Bangalore

Business Finance Analyst - FinTechHiring Company: Talent Zone ConsultantJob Title: Business Finance Analyst / Senior Business Finance AnalystLocation: BangaloreEmployment Type: Full-timeJob SummaryTalent Zone Consultant is looking for an experienced Business Finance Analyst with 7-9 years of experience in FinTech, NBFC, Banking, Payments, Lending or Digital Financial Services.The ideal candidate will have strong expertise in FP&A, financial modelling, budgeting, forecasting, variance analysis, business performance management and unit economics. The candidate will work closely with business, product, sales, operations and leadership teams to provide actionable financial insights and support strategic decision-making.Key ResponsibilitiesOwn and manage FP&A activities, including annual budgeting, rolling forecasts and long-range financial planning.Prepare and analyse monthly/quarterly P&L, MIS and management reports.Conduct budget vs. actual and forecast vs. actual variance analysis and provide actionable commentary.Develop detailed financial models, business cases and scenario analyses for new products, initiatives and investments.Analyse revenue, costs, margins, profitability and operating performance across business/product segments.Drive product-level profitability and unit economics analysis.Track key FinTech metrics such as CAC, LTV, contribution margin, portfolio yield, cost of funds, revenue per customer and cost-to-income.Partner with Product, Sales, Operations, Risk and Technology teams to evaluate business performance.Support pricing decisions, cost optimisation and resource allocation through financial analysis.Identify business risks, profitability opportunities and areas for operational improvement.Prepare dashboards and presentations for senior management and leadership reviews.Support strategic initiatives including new product launches, expansion plans, investment decisions and business growth initiatives.Automate recurring financial reporting and improve the accuracy and efficiency of finance processes.Work with large datasets and collaborate with BI/Data teams to develop meaningful financial insights.Required SkillsCore Finance:FP&A, Business Finance, Financial Planning, Financial Analysis, Budgeting, Forecasting, Variance Analysis, P&L Analysis, Management Reporting, MIS Reporting, Financial Modelling, Business Modelling, Scenario Analysis, Business Case Development, Profitability Analysis, Cost Analysis, Revenue Analysis, Cost Optimization, Strategic FinanceTechnology / Analytics:Advanced Excel, Financial Modelling, Power BI, SQL, Data Analytics, Dashboarding, Power Query, Power Pivot, ERP, BI Reporting, AutomationSoft Skills:Business Partnering, Stakeholder Management, Strategic Thinking, Commercial Acumen, Analytical Thinking, Problem Solving, Leadership Communication, Presentation Skills, Decision MakingEducationCA / MBA Finance / CMA / CFA preferred.Bachelor's degree in Finance, Accounting, Economics, Business or a related discipline.Candidates from reputed FinTech, NBFC, Banking, Payments or Financial Services organisations preferred.Candidate Profile7-9 years of relevant experience in Business Finance, FP&A, Corporate Finance, Strategic Finance or Finance Analytics.Strong preference for candidates with FinTech / NBFC / Banking / Lending / Payments experience.Should have hands-on experience with budgeting, forecasting, financial modelling and P&L analysis.Experience in unit economics and product profitability will be highly preferred.Should be comfortable working with senior stakeholders and presenting financial insights.Strong Excel skills are mandatory; SQL/Power BI will be an advantage.

Finance Manager - Automobile DealershipLocation: Kundalahalli, Bengaluru (near ITPL Main Road/AECS Layout, Opp. Brookefield)Candidates must reside within 10 KM of office, or be open to relocating nearbyExperience: 10-15 YearsSalary: INR 12,00,000 - 15,00,000 per annumNotice Period: Immediate joiners onlyWe're hiring a Finance Manager to manage the complete financial operations of an automobile dealership - budgeting, financial reporting, cash flow, compliance, and coordination with banks and OEM partners.What you'll do:Prepare and monitor monthly, quarterly & annual financial statementsManage cash flow, working capital & banking transactionsTrack dealership profitability across sales, service & spare parts departmentsPrepare annual budgets and forecasts; analyze budget vs. actual variancesManage GST filings, TDS compliance & statutory returnsCoordinate with auditors, tax consultants & regulatory authoritiesEnsure OEM financial reporting complianceOversee vehicle inventory financing, stock reconciliation & retail finance coordination with banks/NBFCsTrack dealer incentives, claims & reimbursements from OEMsImplement internal financial controls, conduct internal & stock auditsSupervise and train the accounts & finance teamMust-haves:10-15 years in finance/accounting, preferably in automobile dealership or automotive industryCA / CMA / MBA Finance / M.Com / B.Com (CA preferred)Hands-on experience in OEM reportingRetail finance coordination experience with banks/NBFCs for customer vehicle loansStrong experience in budgeting, forecasting & compliance (GST, TDS, audits)ERP/accounting software experience - Tally, SAP, or DMSExperience with brands like Toyota, KIA, Hyundai, Tata Motors, Mahindra, Volvo, or luxury automobile brands preferredInterview process: 3 rounds (first 2 F2F/virtual, final round F2F only)Apply now: hiring@adihrconsulting.com WhatsApp/Call: +91 90388 85888Screening questions:Do you have experience in OEM reporting? Please specify.Do you have experience in retail finance coordination with banks/NBFCs for customer vehicle loans?Do you have experience handling budgeting, forecasting, and compliance (GST, TDS, audits)?Total years of experience handling finance operations specifically in an automobile dealership (minimum 10 years required)?Which automobile brand(s)/dealership(s) have you worked with?Current location - are you within 10 KM of Kundalahalli, Bengaluru, or open to relocating?Updated CV, Current & Expected CTC, Current location, DOB and notice period?

Job Description - Manager FinancePosition Title: Manager - FinanceDepartment: Finance & AccountsReporting To: CEOEmployment Type: Full-TimeMandatory languages: English and KannadaWorking Days: 6 days a week (2nd and 4th Saturday half day and 1st and 3rd Saturday fullday)About Processware SystemsProcessware Systems is a leading provider of banking and financial technology solutions,offering the BankSoft Core Banking Solution and related digital banking products to banks,microfinance institutions, and financial organizations across multiple geographies. We areseeking a highly motivated finance professional to manage the company's financialoperations, compliance, reporting, and strategic financial planning.Position SummaryThe Manager - Finance will be responsible for overseeing accounting operations, financialreporting, budgeting, taxation, statutory compliance, treasury management, and financialcontrols. The role requires strong analytical skills, attention to detail, and the ability to workclosely with management in supporting business growth and operational excellence.Minimum QualificationsEducational Qualification CA Intermediate (Mandatory) Bachelor's Degree in Commerce (B.Com), Finance, Accounting, or related discipline Additional qualifications such as CMA, MBA (Finance), or CA Final(appeared/pursuing) will be an added advantageExperience Minimum 5 years of relevant experience in Finance & Accounts Experience in IT, SaaS, Software Product, or Technology companies preferred Experience in handling GST, TDS, Income Tax, statutory audits, and financialreportingKey ResponsibilitiesFinancial Accounting & Reporting Maintain accurate books of accounts in compliance with Indian AccountingStandards. Prepare monthly, quarterly, and annual financial statements. Ensure timely closure of accounts and month-end reporting. Analyze financial performance and prepare management reports.Budgeting & Financial Planning Prepare annual budgets and periodic forecasts. Monitor budget utilization and variance analysis. Support management in strategic financial planning and business decision-making. Develop financial models and profitability analysis.Taxation & Statutory Compliance Ensure compliance with:o GST regulationso TDS provisionso Income Tax requirementso Professional Tax and other statutory obligations Coordinate with auditors, tax consultants, and regulatory authorities. Ensure timely filing of statutory returns.Accounts Receivable & Revenue Management Monitor customer invoicing and collections. Manage SaaS subscription revenue accounting. Track receivables and improve collection efficiency. Support contract review from a financial perspective.Accounts Payable & Treasury Manage vendor payments and cash flow. Monitor bank balances and working capital requirements. Handle banking relationships and treasury activities. Optimize utilization of funds.Audit & Internal Controls Coordinate statutory, internal, and tax audits. Implement and strengthen financial controls. Ensure compliance with company policies and procedures. Identify and mitigate financial risks.Payroll & Employee Reimbursements Review payroll processing. Ensure statutory deductions and remittances. Monitor employee reimbursement processes.MIS & Management Reporting Prepare monthly MIS reports for senior management. Generate profitability, cost center, and project-wise financial reports. Provide financial insights to support business growth initiatives.Required Skills & CompetenciesTechnical Skills Strong knowledge of:o Accounting Principleso GSTo TDSo Income Taxo Financial Reportingo Budgeting and Forecasting Proficiency in:o Microsoft Excel (Advanced)o Tally Prime / ERP Systemso MS Office Suite Knowledge of SaaS revenue accounting is preferred.Behavioral Competencies Strong analytical and problem-solving abilities High level of integrity and confidentiality Excellent communication and presentation skills Attention to detail and accuracy Ability to work independently and manage deadlines Team management and leadership capabilityKey Performance Indicators (KPIs) Timely closure of monthly accounts Accuracy of financial statements Timely filing of statutory returns Reduction in receivable aging Budget adherence and variance control Audit observations closure rate Cash flow management efficiency Compliance adherence score

We are seeking a Commercial Manager to join our team in the Peenya Industrial Area, ideal for candidates with 2 to 3 years of experience in a relevant field. The role is designed for male candidates, and it allows for a work-from-home setup.Key Responsibilities:- Market Analysis: Conduct thorough market research to identify new business opportunities, helping the company make informed decisions.- Client Management: Build and maintain strong relationships with clients to understand their needs and ensure their satisfaction, which will facilitate repeat business.- Sales Strategy Development: Develop and implement effective sales strategies that align with company goals, enhancing overall market competitiveness.- Financial Oversight: Monitor and manage the budget and financial forecasts, ensuring the company stays profitable and all expenses are justified.- Reporting: Prepare regular reports on sales performance and market trends for senior management, aiding in strategic planning.Required Skills and Expectations:Candidates should have a strong foundation in business management, demonstrated through their educational background in fields like B.A., B.Ed., or relevant degrees. Effective communication skills are essential for interacting with clients and team members. The ideal candidate should possess strong analytical skills to assess market trends and data effectively. A proactive approach to problem-solving and the ability to work independently in a remote setting are crucial. Additionally, experience in sales or customer relationship management will be highly regarded.

Hiring Alert Institutional Regional Sales LeadWe are hiring an experienced Institutional Regional Sales Lead for a reputed Asset Management Company (AMC). This role is ideal for professionals with strong institutional relationships and a proven track record of driving AUM growth in the financial services sector.Location: BangaloreExperience: 5 to 8 YearsCTC: No Bar for the Right CandidateIndustry: Asset Management Company (AMC)Reporting To: Institutional Sales HeadRole PurposeTo drive institutional business growth by acquiring and managing large corporate and institutional clients, building long-term strategic partnerships, and leading a high-performing sales team to achieve aggressive AUM and revenue targets.Key ResponsibilitiesBusiness Growth & AUM Expansion

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

Join our team as an Accounts intern in Bangalore, India. As a graduate fresh out of college, you will be responsible for assisting the accounting team with various tasks to gain hands-on experience in the field. Your key responsibilities include data entry, reconciling accounts, and assisting with financial reports. You will also be expected to learn and use accounting software proficiently, work collaboratively with team members, and pay close attention to detail to ensure accuracy in all financial transactions. Strong communication and organizational skills are essential to succeed in this role. This internship will provide you with valuable insights into the world of accounting and help you develop the necessary skills for a successful career in finance.

Job Responsibilities:Lead and support audit assignments, including internal audits, SOX audits, and internal control reviews.Perform financial analysis, verify books of accounts, and review supporting documents.Evaluate the effectiveness of internal controls and identify control gaps and risks.Prepare audit reports, working papers, documentation, and presentations.Ensure compliance with accounting standards, internal policies, and statutory requirements.Coordinate with internal teams, clients, and stakeholders to gather audit information and resolve queries.Assist in implementing and following up on audit recommendations.Use MS Office (Excel, Word, PowerPoint) and other technological tools effectively for analysis and reporting.Demonstrate flexibility to travel and commute within the city as per audit requirements.Key Requirements & Skills:Experience in Internal Controls and/or prior exposure to SOX audits.Strong analytical and reporting skills with attention to detail.Excellent communication skills (written, verbal, and interpersonal).Good technical knowledge in Finance and Accounts; CA background preferred.Quick learner with a resourceful and proactive approach.Ability to work independently and as part of a team.Travel flexibility as per business needs.one year of experience in leading Audit is plus

We are looking for 52 Accountant Posts in Bhubaneswar, Cuttack, Visakhapatnam, Vijayawada, Hyderabad, Chennai, Delhi, Kolkata, Mumbai, Bangalore, with deep knowledge in General Ledger management, financial statement preparation, accounts payable and receivable, bank reconciliation, payroll processing, tax preparation, budgeting, forecasting, financial reporting, data analysis, cost accounting, auditing, proficiency in accounting software like QuickBooks and SAP, knowledge of Microsoft Excel, strong attention to detail, accuracy, and problem-solving. and Required Educational Qualification is : B.A, B.Com, Any Master Degree interview interview process :-Thank you for your interest in the position at Rightfit Resources.We were impressed by your profile as reviewed by our ATS system, sabkajobs.com, and would like to invite you for a first-round interview.To proceed with scheduling your interview, please follow these two steps:Download the SabkaJobs app: Our interview scheduling and communication will be managed through the SabkaJobs app. Please download it from the Google Play Store using the link below:SabkaJobs Play Store Linkhttps://play.google.com/store/apps/details?id=com.inv.jobtools2025Book Your Interview Slot: Once you have downloaded the app, please log in and navigate to the Interviews section to find available slots for the [Job Title] position and book one that suits your availability.We look forward to speaking with you and learning more about your qualifications.If you have any questions, please do not hesitate to contact us at 9494586090.Sincerely,The Recruitment TeamRightfit Resources9494586090.

we are looking for a sharp and detailorientedFinancial Planning & Analysis (FP&A) Analyst to join our finance team. This role isideal for a dynamic individual who wants to contribute to financial decision-making in ahigh-growth environment.

Renous is looking to hire a Financial Analyst for an MNC clientJob Location: Multiple LocationsJob Type: C2H (Contract to Hire)The ideal candidate should have 2-6 years of experience in financial analytics, with strong expertise in financial modeling, forecasting, and quantitative analysis. Proficiency in tools like Python, R, SQL, MATLAB, SAS, and Bloomberg Terminal is essential. The candidate should also have a solid understanding of market trends, risk assessment, and investment strategies.Interested candidates,please fill in the form to apply - https://tr.ee/WHTahvmiCyOr share their updated resume at careers@renous.inApplicants are kindly requested to use the subject line as 'Financial Analyst' when submitting their resumesJob Type: Contractual / TemporaryContract length: 6-12 months

Responsibilities: Assist in the preparation of financial reports, including income statements, balance sheets, and cash flow statements. Conduct financial analysis to support business decisions, including variance analysis and trend analysis. Assist in budgeting and forecasting processes, including gathering data, performing analyses, and preparing reports. Collaborate with senior team members to develop financial models and projections. Support day-to-day finance operations, including accounts payable/receivable, invoicing, and expense tracking. Assist in the preparation of client presentations and reports. Stay up-to-date on industry trends, regulations, and best practices in finance and accounting.Qualifications: Bachelors degree in Commerce, Finance, Accounting, or a related field with 1+ years of experience. Strong understanding of financial principles and concepts. Proficiency in Microsoft Excel and other financial analysis tools. Understanding of GST, Income tax, Companies Act and other business laws Excellent analytical and problem-solving skills. Strong attention to detail and accuracy. Ability to work independently and as part of a team in a fast-paced environment. Excellent communication and interpersonal skills. Previous internship or work experience in finance or accounting is a plus

Desired Candidates:-CA/CWA/MBA full time-Should worked on Budgeting, Forecasting, Variance Anaalysis-Should have experience in PnL (Revenue/Cost)-Should be okay to work in 3pm-12am shift.

Job Description1. The primary role of a Financial Analyst Consultant is to Audit the standard reports to identify duplicate, over and under payments for the client2. Analyze agreements, invoices, purchase orders and other documentation, exploring for possible missed opportunities and improve the processes.3. Successfully uses Audit Tools with increasing proficiency with all systems and applications including internal and client tools.4. Identify new claim opportunities for different clients.5. Work on new initiatives and participate in various KT sessions organized in the companyRequirements Candidate should hold the masters degree BCom/BBA in bachelors degree AND M.Com or M.B.A (Finance) in PG degree. Candidate should have 0 2 years of experience Should have good verbal and writing communication Should be strong in analytical skills Displays positive and can do attitudeThings to check:1. Laptop required - it would be needed in various interview rounds.2. Contract period - 1 year. 3. During this Contract period the remuneration will be INR. 20,000/- per month, 10% TDS applicable, hence take home will be INR. 18,000/-4. During the period, the candidate will be given training on Financial analysis cum audit, and are expected to deliver assigned tasks.Process of interview:1. Aptitude test (logical reasoning and general aptitude) The aptitude will comprise of 24 questions and to be solved within 40 minutes. candidates will receive calendar invite over MS Teams, upon joining the call,

Boosting the organizations financial performance through the analysis of financial results, forecasts, variances, and trendsAssisting in the process of capital budgeting and expenditure planningKeeping and maintaining accurate and up-to-date technical knowledge of financial instruments or tools, market conditions, and trendsConducting and comparing analysis and market research in order to support internal financial analysisDesigning and developing several financial models to support valuation, planning, and forecastingImplementing technical tools such as Excel formulas and functions to handle financial issuesGuiding and handling the cost analysis process by establishing and enforcing policies and proceduresLiaising with various project managers in order to discuss performanceCreating and maintaining various spreadsheets and dashboards in order to support analysis and provide insightCreating and maintaining models to value potential investment opportunitiesMonitoring and reviewing budgets and expenses, and coming up with ways to reduce or reimburse expenses.

SkillsQualified CA with 5-7 Years of experience in the FP&A domainHands-on with SAP (added advantage)Preferably worked in a process-oriented FP&A with a cost center and profit center-centric environment.Exposure to any reporting tools (Tableau/ Power BI/ Hyperion planning, etc.)Strong and articulate in written and verbal communication.knowledge of excel and PowerPoint is a must.Should be comfortable working with key stakeholdersAdditional InformationEarly/ Immediate joiners will be preferredThe candidates who are willing to relocate to Bangalore can also be consideredWorking days: Monday to FridayRequired QualificationProfessional degree - CA/CWA

As a Sales Development Manager, you will play a key role in driving the growth of our sales team and expanding our customer base. Your responsibilities will include the following:- Lead Generation: Identify and pursue new business opportunities through research and outreach, helping to grow the company's customer list.- Customer Engagement: Establish and maintain relationships with potential clients by reaching out through calls, emails, and meetings to understand their needs and introduce our services.- Sales Strategy Development: Collaborate with the sales team to create effective strategies that support lead generation and conversion, ensuring alignment with the companys goals.- Market Analysis: Conduct research to monitor market trends and competitor activities, providing insights that will inform decision-making and strategy adjustments.- Performance Tracking: Monitor and analyze sales metrics to evaluate performance against targets, ensuring continuous improvement of sales processes.Candidates for this position should possess strong communication and interpersonal skills, allowing you to effectively engage with clients. A basic understanding of sales principles and practices is essential. You should be self-motivated, goal-oriented, and capable of working independently in a fast-paced environment. Organizational skills will be crucial to manage multiple leads and tasks efficiently. A degree in fields such as B.A, B.C.A, B.B.A, or related areas will be advantageous, along with a willingness to learn and adapt to evolving market demands.

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.

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.

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.