Underwriting Job Vacancies in Bangalore

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.

Looking for Female candidate's only.for Min 4 years experience as overall and as Team- Lead need to have at least Min 1 year of experience of working as a TL on paper's.Needs to have Excellent Verbal and Written Communication SkillsWilling to work in AU shifts (starting from 1:30 AM onwards- it will be monthly rotational) with rotational weekly off.Should be preferably from international BPO backgroundNeed to have messaging experience as mandatory.Must have handled good team size and need to have good team handling experience

Hello,We are hiring Process Associate (Mortgage underwriting) for our company SBL Knowledge Services LtdAbout SBL Knowledge Services:Process Associate JDReview loan files for completeness and accuracy including but not limited to application and closing package, disclosures and their timelines, compliance report,Gather accurate data from appropriate documents, cash to/from borrower, fee thresholds/ tolerances calculations, reserves or impounds,Determine and document loan conditions, communicate requirements, and/or decisionsIdentify portfolio risks resulting from the client's underlying business practicesVery Good Communication skills both written and verbal.Basic working knowledge of US Mortgage Residential disclosures, fees and closing documents Note, Title, Purchase Contract, Security Instrument, Valuation, HUD, Loan Estimate, Closing Disclosure, Insurance docs, Flood CertIf interested send your updated resume with the Current CTC, Expected CTC, and Notice Period.Thank youSunitha skTalent AcquisitionSBL Knowledge Services LtdBangalore.

Reporting to the EVP & Global Chief Delivery Officer The SVP - Operations will play a critical role in managing scaling process by contributing to and taking ownership of the performance of the Business Unit in its growth, margin improvements, client, and employee satisfaction. This position would deeply be involved in shaping the strategy and operations for the respective Business Unit. Key Roles and Responsibilities: The role would be very hands on as the company accelerates its growth. Create and drive excellence in governance across the business unit and quality of reporting and escalation management. Develop/enhance the client cadence calls and ultimately be responsible/accountable for high NPS/Client Satisfaction scores. Drive enhanced Gross Margin and associated governance for the business unit Drive growth for the Business Unit. Sustain and drive growth from existing & new clients P&L responsibility for the respective BU. Formulate business strategies, address operational issues, resolve performance bottlenecks, and achieve revenue and profitability objectives both for growth and stressed revenue scenarios. Support Sales in sourcing new business from clients. Engage with diverse stakeholders, internal as well as external including Senior Leadership, Customers and Partners. Continually monitor the relevant external environment (e.g., market conditions, competitive environment, pricing, regulatory landscape) and drive appropriate improvements for the business. Drive automation projects for the current processes and look for continual value-added services for the client. Drive alignment on priorities across key business functions, including sales, operations, marketing, and strategy. Responsible for ensuring regulatory/client/contractual compliance and securing satisfactory client/regulatory audit rating. Education Qualifications, Experience and skill set required: Bachelors degree is mandatory. MBA from a premier institute preferred. Minimum 15-20 years of ex

BRANCH UNDERWRITING:Piramal Capital & Housing Finance ltd., as a commitment to serve all lending needs of consumers of Bharat is hiring Credit manager for its retail business. The person will be responsible for analysing the customer credit profile including financials and cash flow analysis for both salaried & self-employed segments, conducting personal discussions and underwrite / sanction the case. EXTERNAL:CustomersVendors Internal auditorsCredit BureausKEY STAKEHOLDERS:Credit Head for HFCRisk & Compliance teamCredit Analyst and OperationsLegal teamSales teamCollections teamESSENTIAL SKILLS:Knowledge of local markets and trends in retail lendingUnderstanding of local business and micro economyAbility to work under tight deadlines and to prioritize conflicting and changing prioritiesKeen understanding and focus on risk, controls, compliance and regulatory frameworkAbility to liaise with internal stakeholders and cross-functional teamsStrong customer focus and management of stakeholder expectationsStrong analytical & communication skills (written & verbal)Should be willing to adapt to digital tools and processes QUALIFICATION:Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate1-5 years of relevant experience in Credit underwriting Retail Asset Banking products, services and operations (preferably in private sector, HL & LAP/SME)Deep experience & understanding of retail financial services across NBFCs, banking