Risk Mitigation Jobs

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.

Key Responsibilities:Agile Coaching & Team Empowerment:Coach teams on Agile/Scrum principles , practices, and values.Facilitate Agile ceremonies (sprint planning, daily stand-ups, sprint reviews, retrospectives) to ensure transparency and team alignment.Foster a culture of psychological safety, collaboration, and accountability within teams.Impediment Removal & Risk Mitigation:Proactively identify and resolve technical, process, or organizational blockers hindering team progress.Escalate risks and dependencies to leadership with actionable mitigation strategies.Collaborate with engineering leads to optimize workflows and eliminate bottlenecks.Product & Stakeholder Alignment:Partner with Product Owners to refine and prioritize backlogs, ensuring deliverables align with business objectives.Promote transparency through dashboards, burn-down charts, and sprint reviews.Continuous Improvement & Metrics:Measure team performance using Agile metrics (velocity, cycle time, lead time, defect rates).Lead retrospectives to identify process improvements and implement actionable changes.Track team health through surveys and feedback to sustain high performance.Technical & Organizational Agility:Support teams in adopting Agile tools (Jira, Confluence) and practices (while checking bugs and testing them on platforms).Experience: 2+ years as a Scrum Master or Agile Coach (preferably in tech/software).Certifications: Certified Scrum Master (CSM) or similar Agile certification.

Ensure that all fire and safety equipment in an establishment are in good shape alwaysMake sure that there are well-developed plans for easy evacuation of people in a building in the case of a fire outbreakConduct fire safety checks from time to timeEnforce safety codes and regulations/guidelines within a particular organizationCarry out training and enlightenment of co-workers or employees as regards general fire safety rules and proceduresAddress any form of violation of safety codes within the organizationInvestigate and implement appropriate disciplinary action on violators of safety codes within the establishment.

Duties and Responsibilities:Overview:PEM employees are investigative, creative, thoughtful managers and collaborators who work together as an integrated team, delivering extraordinary outcomes for our clients. As a Project Manager at PEM, you will play a crucial role in helping enable this by actively supporting the implementation of key strategic programs. Your analytical, interpersonal, time management, process management, business acumen and leadership skills will be called upon from day one. Project Manager focusses on critical initiatives, institute processes, foster talent and develop a winning culture for the team.Role and Responsibilities:-Monitor projects progress and focus on key strategic initiatives.-Identify risks on a timely manner and ensure proper escalation to management, while proposing mitigation actions.-Evaluate issues significance and impact and ensure their resolution.-Highlight strategic decisions to be made by management.-Facilitate the communication between all involved stakeholders.-Produce progress reporting documentation following methodology and best practices.Qualifications and Experience:-Bachelors degree in Engineering or a related field preferred; formal training in project management is advantageous. An MBA is a strong plus.-2+ years of experience in project management, with a proven track record of delivering successful outcomes.-A team-oriented mindset with a strong desire to collaborate and contribute to collective success.-Ability to think creatively and analytically in a fast-paced, problem-solving environment.-Enthusiasm for working in a multicultural setting with diverse perspectives.