commercial credit lead

RiDiK (a Subsidiary of CLPS. Nasdaq: CLPS)

<div>
 <p>
  <strong>
   Job Summary
  </strong>
 </p>
 <p>
  We&rsquo;re looking for a
  <strong>
   Corporate Credit BA
  </strong>
  to support our team in
  <strong>
   Dubai
  </strong>
  . This role offers the opportunity to work on meaningful projects, collaborate with talented colleagues, and contribute to the success of a growing company. If you&rsquo;re someone who takes initiative, values continuous learning, and thrives in a collaborative setting, we&rsquo;d love to hear from you.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Key Responsibilities
  </strong>
 </p>
 <ul>
  <li>
   Work closely with stakeholders to understand and document business requirements, specifically around the Credit Journey (from credit application to approval and disbursement).
  </li>
  <li>
   Analyze and map current business processes, identifying opportunities for improvement and optimization within the Corporate Banking credit processes.
  </li>
  <li>
   Collaborate with business and technical teams to define and prioritize features, enhancements, and solutions for the Credit Journey.
  </li>
  <li>
   Ensure all requirements are clearly defined and communicated to development teams, ensuring alignment with business needs and regulatory requirements.
  </li>
  <li>
   Perform data analysis and reporting to support decision-making and track progress against business goals.
  </li>
  <li>
   Act as a liaison between business users and technical teams, translating business needs into actionable technical requirements.
  </li>
  <li>
   Support testing efforts, including user acceptance testing (UAT), to ensure successful delivery of solutions.
  </li>
  <li>
   Monitor project timelines and deliverables, ensuring successful implementation of solutions within the Corporate Banking space.
  </li>
 </ul>
 <p>
  <strong>
   Requirements:
  </strong>
 </p>
 <ul>
  <li>
   Proven experience as a Business Analyst in
   <strong>
    Corporate Banking
   </strong>
   , with direct exposure to the
   <strong>
    Credit Journey process
   </strong>
   .
  </li>
  <li>
   Strong understanding of
   <strong>
    credit workflows
   </strong>
   , from
   <strong>
    application to approval and disbursement
   </strong>
   .
  </li>
  <li>
   Ability to gather and document detailed business requirements, including functional specifications.
  </li>
  <li>
   Familiarity with banking systems,
   <strong>
    credit risk assessment
   </strong>
   , and
   <strong>
    loan management processes
   </strong>
   .
  </li>
  <li>
   Excellent communication and collaboration skills with the ability to work across cross-functional teams.
  </li>
  <li>
   Strong problem-solving skills with an analytical approach to business challenges.
  </li>
  <li>
   Experience using Azure boards for requirements management and project tracking.
  </li>
 </ul>
 <li>
 </li>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About CLPS RiDiK
  </strong>
 </p>
 <p>
  RiDiK is a global technology solutions provider and a subsidiary of CLPS Incorporation (NASDAQ: CLPS), delivering cutting-edge end-to-end services across banking, wealth management, and e-commerce. With deep expertise in AI, cloud, big data, and blockchain, we support clients across Asia, North America, and the Middle East in driving digital transformation and achieving sustainable growth. Operating from regional hubs in 10 countries and backed by a global delivery network, we combine local insight with technical excellence to deliver real, measurable impact. Join RiDiK and be part of an innovative, fast-growing team shaping the future of technology across industries.
 </p>
</div>


Corporate Credit BA

Shell

<div>
 <strong>
  Position Purpose:
 </strong>
 Manage the execution of the complete Category Management &amp; Contracting Process (CMCP) including Contract Strategy, Tactics and Contract Management activities for the assigned contract portfolio of Upstream, LNG and Corporate in Shell Egypt and collaborate with:
 <br/>
 <br/>
 <ul>
  <li>
   Internal (Shell), Joint Venture and Regulator stakeholders in development and execution of sourcing strategies driving towards value maximization. [Pre-award Phase]
  </li>
  <li>
   Internal (Shell) &amp; External (Suppliers) Stakeholders in ensuring delivery of maximum value via each of the awarded contract/commercial deal. [Post-award Phase]
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Principal Accountabilities:
  <br/>
  <br/>
 </strong>
 [Outcome - Value]
 <br/>
 <br/>
 Closely interact with key stakeholders and develop a detailed demand plan based on forecasted business requirements in an highly volatile environment.
 <br/>
 <br/>
 Develop commercially competitive contracting &amp; procurement strategies for assigned key spend categories which meets the Business Demand while taking into account potential implementation of Global Strategies at local/regional level.
 <br/>
 <br/>
 Conduct tenders, evaluate bids &amp; drive negotiations with Suppliers in accordance with the CMCP as an overall &lsquo;guidance&rsquo;.
 <br/>
 <br/>
 Ensure delivery &amp; effectively manage contracts while continuously drive value improvement targets.
 <br/>
 <br/>
 Identify, develop &amp; implement supply chain improvement opportunities.
 <br/>
 <br/>
 Develop a robust suppliers landscape (local and global), assess their capability and integrate the same in the category planning. Promote local content by developing local capability and harnessing the local capacity.
 <br/>
 <br/>
 [Outcome - HSSE]
 <br/>
 <br/>
 Ensure Supply Chain Strategy supports Goal Zero Aspiration through implementation of robust Contractor Safety Management practices and alignment to Shell&rsquo;s personal and process safety Goal Zero focus areas.
 <br/>
 <br/>
 Implementation of Contractor HSSE practices in close liaison with Contract Managers/Holders and Owners.
 <br/>
 <br/>
 [Business Interface]
 <br/>
 <br/>
 As an active member of the Asset/OU Business LT, build highly collaborative relationships, ensuring that CP strategies are fully aligned to the business objectives and that CP bottom line contribution (TPSS) are fully reflected in Business Plans and quarterly LEs.
 <br/>
 <br/>
 Proactively identify &amp; understand commercial/procurement needs from internal stakeholders (Shell Business) and collaboratively propose competitive solutions. This may involve constructively challenging the Business Demand &amp;/or Procurement Practices in order to drive value and efficiency for the organization.
 <br/>
 <br/>
 [Supplier Interface]
 <br/>
 <br/>
 Manage Supplier Relationship effectively and collaboratively drive continuous performance improvement via relevant contract key metrics (Eg: HSSE, Operations, Cost). This would involve constructively challenging the Suppliers in terms of the contract delivery and performance as well.
 <br/>
 <br/>
 Build and maintain strong network in the market, being fully aware of supplier developments and opportunities coming up in the market.
 <br/>
 <br/>
 [CP/SC Interface]
 <br/>
 <br/>
 Ensure strong connect across the wider CP/SC Organization (Eg: Wells, Functions &amp; Technology, Projects, Performance and Planning) to ensure continuous cross sharing and leverage of best practices.
 <br/>
 <br/>
 Ensure collaborative ways of working with Global Category and Strategic Supplier Teams
 <br/>
 <br/>
 [People]
 <br/>
 <br/>
 Provides extensive coaching, support and guidance to other team members to ensure delivery of results where possible.
 <br/>
 <br/>
 Builds effective working relationships with others including Business partners and makes a constructive contribution within immediate team.
 <br/>
 <br/>
 Lead, support and personally develop a high performing team of empowered CP professionals aligned to business goals and focused on commercial results. Enable people to succeed by removing barriers to performance, addressing underperformance and rewarding success. Drive for external focus in the team, ensuring CP/SC professionals spend as much time in the marketplace as possible. Provide extensive Delivery Coaching to frontline staff
 <br/>
 <br/>
 [Process]
 <br/>
 <br/>
 Ensure application of the E2E CMCP process, using commercial judgement, common sense and a simplification mind-set, understanding the difference between non-negotiable compliance elements (Safety, E&amp;C, Code of Conduct, Law) and CP operating practices, while always keeping enterprise business value in focus.
 <br/>
 <br/>
 <strong>
  Special Challenges
 </strong>
 <em>
  (Complexity)
 </em>
 <strong>
  :
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   [Value Opportunity]
  </li>
  <ul>
   <li>
    In order to achieve and sustain &ldquo;most competitive supply chains&rdquo;, future value delivery will predominantly be derived from the Demand and Specification levers, which will require further, and deeper application of Supply Chain Transformational approaches combined with deeper collaboration with key suppliers in the Supply Chain.
   </li>
   <li>
    Ability to manage and prioritize value and the potentially dynamic nature of the portfolio based on Business Demand and Team Capacity.
   </li>
  </ul>
  <li>
   [Realizing Value]
  </li>
  <ul>
   <li>
    Implementation and Delivery of robust CP tactics/strategy and contract documentation to secure third party services and materials in compliance with business need, quality requirements and on best commercial terms that fully accounts for all market capacity/capability and risks/opportunities.
   </li>
   <li>
    Supporting the delivery of contracts awarded, which includes developing comprehensive post award contract management plans to enable value maximization for the organization.
   </li>
  </ul>
  <li>
   [Stakeholder Management]
  </li>
  <ul>
   <li>
    Various interface management which includes internal (Business Stakeholders, Global Category and Strategic Supplier Team, wider CP/SC Team), JV Partners, Regulators &amp; external (Suppliers, Contractors) that would require excellent collaboration and close cooperation.
    <br/>
   </li>
  </ul>
 </ul>
 <strong>
  Key Experiences and Qualifications:
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   [Qualification &amp; Delivery]
  </li>
  <ul>
   <li>
    A degree level (Business/Engineering) and proven long term comprehensive experience within CP/SC.
   </li>
   <li>
    CP/SC experience in Upstream/Wells/Projects preferred.
   </li>
   <li>
    Proven track record of execution excellence &amp; delivering results.
   </li>
   <li>
    MCIPS (Chartered Institute of Procurement &amp; Supply) Qualification would be preferred but not mandatory.
   </li>
   <li>
    Arabic Language Proficiency required
   </li>
  </ul>
  <li>
   [Commercial]
  </li>
  <ul>
   <li>
    Highly tuned commercial acumen and curiosity with demonstrated ability to develop and deliver value from complex deals.
   </li>
   <li>
    Proven experience in contract negotiations &amp; complex tender evaluation.
   </li>
   <li>
    Good understanding of strategic, technical, legal, finance, taxation and commercial issues.
   </li>
  </ul>
  <li>
   [Behaviours]
  </li>
  <ul>
   <li>
    Highly driven, &lsquo;can do&rsquo;, inspiring, able to articulate in a crisp and precise manner
   </li>
   <li>
    Is understood and is credible at all levels in Shell
   </li>
   <li>
    Focused on tangible value outcomes for the enterprise, translates strategy to outcomes
   </li>
   <li>
    Brings external market/supplier into the conversation (curiosity)
   </li>
   <li>
    Mix of operational experience and global/regional corporate roles, multiple LoB
   </li>
   <li>
    Uncompromising on HSSE, ethics &amp; compliance is a &lsquo;must have&rsquo; in all CP
   </li>
   <li>
    Collaborates and integrates within CP and with business, enterprise first
   </li>
   <li>
    Understands business and speaks business language
   </li>
   <li>
    Has effective influencing skills and can flex his/her style to audience
   </li>
   <li>
    Proven track record of commercial acumen
   </li>
   <li>
    Continuous improvement and simplification mindset
   </li>
   <li>
    Enables and empowers team to contribute, recognises people (Engage &amp; Perform)
   </li>
   <li>
    Passionate about developing people
   </li>
  </ul>
  <li>
   [Leadership]
  </li>
  <ul>
   <li>
    Strong and Proven Interpersonal, Influencing &amp; Stakeholder Management Skills.
   </li>
   <li>
    Ability to cope with complexity &amp; uncertainty and proven adaptability
   </li>
   <li>
    Driven, Motivated &amp; Passionate to drive positive change.
   </li>
   <li>
    Demonstrated ability to interact seamlessly and effectively with all levels of management
   </li>
  </ul>
 </ul>
</div>


SC Commercial Lead Egypt

Shell Deutschland GmbH

<div>Cairo, Egypt<br>
<p><br>
<b>Job Family Group:
</b></p>Contracting and Procurement<br>
<p><br>
<b>Worker Type:
</b></p>Regular<br>
<p><br>
<b>Posting Start Date:
</b></p>October 15, 2025<br>
<p><br>
<b>Business unit:
</b></p>Projects and Technology<br>
<p><br>
<b>Experience Level:
</b></p>Experienced Professionals<br>
<p><br>
<b>Job Description:
</b></p><p><b>Position Purpose: </b>Manage the execution of the complete Category Management &amp; Contracting Process (CMCP) including Contract Strategy, Tactics and Contract Management activities for the assigned contract portfolio of Upstream, LNG and Corporate in Shell Egypt and collaborate with:
</p><ul><li>Internal (Shell), Joint Venture and Regulator stakeholders in development and execution of sourcing strategies driving towards value maximization. [Pre-award Phase]
</li></ul><ul><li>Internal (Shell) &amp; External (Suppliers) Stakeholders in ensuring delivery of maximum value via each of the awarded contract/commercial deal. [Post-award Phase]
</li></ul><p></p><p><b>Principal Accountabilities:
</b></p><p>[Outcome - Value]
</p><p>Closely interact with key stakeholders and develop a detailed demand plan based on forecasted business requirements in an highly volatile environment.
</p><p>Develop commercially competitive contracting &amp; procurement strategies for assigned key spend categories which meets the Business Demand while taking into account potential implementation of Global Strategies at local/regional level.
</p><p>Conduct tenders, evaluate bids &amp; drive negotiations with Suppliers in accordance with the CMCP as an overall &lsquo;guidance&rsquo;.
</p><p>Ensure delivery &amp; effectively manage contracts while continuously drive value improvement targets.
</p><p>Identify, develop &amp; implement supply chain improvement opportunities.
</p><p>Develop a robust suppliers landscape (local and global), assess their capability and integrate the same in the category planning. Promote local content by developing local capability and harnessing the local capacity.
 </p><p>[Outcome - HSSE]
</p><p>Ensure Supply Chain Strategy supports Goal Zero Aspiration through implementation of robust Contractor Safety Management practices and alignment to Shell&rsquo;s personal and process safety Goal Zero focus areas.
</p><p>Implementation of Contractor HSSE practices in close liaison with Contract Managers/Holders and Owners.
</p><p>[Business Interface]
</p><p>As an active member of the Asset/OU Business LT, build highly collaborative relationships, ensuring that CP strategies are fully aligned to the business objectives and that CP bottom line contribution (TPSS) are fully reflected in Business Plans and quarterly LEs.
</p><p>Proactively identify &amp; understand commercial/procurement needs from internal stakeholders (Shell Business) and collaboratively propose competitive solutions. This may involve constructively challenging the Business Demand &amp;/or Procurement Practices in order to drive value and efficiency for the organization.
</p><p>[Supplier Interface]
</p><p>Manage Supplier Relationship effectively and collaboratively drive continuous performance improvement via relevant contract key metrics (Eg: HSSE, Operations, Cost). This would involve constructively challenging the Suppliers in terms of the contract delivery and performance as well.
<br>
Build and maintain strong network in the market, being fully aware of supplier developments and opportunities coming up in the market.
 </p><p>[CP/SC Interface]
</p><p>Ensure strong connect across the wider CP/SC Organization (Eg: Wells, Functions &amp; Technology, Projects, Performance and Planning) to ensure continuous cross sharing and leverage of best practices.
</p><p>Ensure collaborative ways of working with Global Category and Strategic Supplier Teams
 </p><p>[People]
</p><p>Provides extensive coaching, support and guidance to other team members to ensure delivery of results where possible.
</p><p>Builds effective working relationships with others including Business partners and makes a constructive contribution within immediate team.
</p><p>Lead, support and personally develop a high performing team of empowered CP professionals aligned to business goals and focused on commercial results. Enable people to succeed by removing barriers to performance, addressing underperformance and rewarding success. Drive for external focus in the team, ensuring CP/SC professionals spend as much time in the marketplace as possible. Provide extensive Delivery Coaching to frontline staff
 </p><p>[Process]
</p><p>Ensure application of the E2E CMCP process, using commercial judgement, common sense and a simplification mind-set, understanding the difference between non-negotiable compliance elements (Safety, E&amp;C, Code of Conduct, Law) and CP operating practices, while always keeping enterprise business value in focus.
</p><p></p><p><b>Special Challenges </b><i>(Complexity) </i><b>:
</b></p><ul><li><p>[Value Opportunity]
</p><ul><li><p>In order to achieve and sustain &ldquo;most competitive supply chains&rdquo;, future value delivery will predominantly be derived from the Demand and Specification levers, which will require further, and deeper application of Supply Chain Transformational approaches combined with deeper collaboration with key suppliers in the Supply Chain.
</p></li><li><p>Ability to manage and prioritize value and the potentially dynamic nature of the portfolio based on Business Demand and Team Capacity.
</p></li></ul></li><li><p>[Realizing Value]
</p><ul><li><p>Implementation and Delivery of robust CP tactics/strategy and contract documentation to secure third party services and materials in compliance with business need, quality requirements and on best commercial terms that fully accounts for all market capacity/capability and risks/opportunities.
</p></li><li><p>Supporting the delivery of contracts awarded, which includes developing comprehensive post award contract management plans to enable value maximization for the organization.
</p></li></ul></li><li><p>[Stakeholder Management]
</p><ul><li><p>Various interface management which includes internal (Business Stakeholders, Global Category and Strategic Supplier Team, wider CP/SC Team), JV Partners, Regulators &amp; external (Suppliers, Contractors) that would require excellent collaboration and close cooperation.
</p></li></ul></li></ul><p><b>Key Experiences and Qualifications:
 </b></p><ul><li><p>[Qualification &amp; Delivery]
</p><ul><li><p>A degree level (Business/Engineering) and proven long term comprehensive experience within CP/SC.
</p></li><li><p>CP/SC experience in Upstream/Wells/Projects preferred.
</p></li><li><p>Proven track record of execution excellence &amp; delivering results.
</p></li><li><p>MCIPS (Chartered Institute of Procurement &amp; Supply) Qualification would be preferred but not mandatory.
</p></li><li><p>Arabic Language Proficiency required
</p></li></ul></li><li><p>[Commercial]
</p><ul><li><p>Highly tuned commercial acumen and curiosity with demonstrated ability to develop and deliver value from complex deals.
</p></li><li><p>Proven experience in contract negotiations &amp; complex tender evaluation.
</p></li><li><p>Good understanding of strategic, technical, legal, finance, taxation and commercial issues.
</p></li></ul></li><li><p>[Behaviours]
</p><ul><li><p>Highly driven, &lsquo;can do&rsquo;, inspiring, able to articulate in a crisp and precise manner
</p></li><li><p>Is understood and is credible at all levels in Shell
</p></li><li><p>Focused on tangible value outcomes for the enterprise, translates strategy to outcomes
</p></li><li><p>Brings external market/supplier into the conversation (curiosity)
</p></li><li><p>Mix of operational experience and global/regional corporate roles, multiple LoB
</p></li><li><p>Uncompromising on HSSE, ethics &amp; compliance is a &lsquo;must have&rsquo; in all CP
</p></li><li><p>Collaborates and integrates within CP and with business, enterprise first
</p></li><li><p>Understands business and speaks business language
</p></li><li><p>Has effective influencing skills and can flex his/her style to audience
</p></li><li><p>Proven track record of commercial acumen
</p></li><li><p>Continuous improvement and simplification mindset
</p></li><li><p>Enables and empowers team to contribute, recognises people (Engage &amp; Perform)
</p></li><li><p>Passionate about developing people
 </p></li></ul></li><li><p>[Leadership]
</p><ul><li><p>Strong and Proven Interpersonal, Influencing &amp; Stakeholder Management Skills.
</p></li><li><p>Ability to cope with complexity &amp; uncertainty and proven adaptability
</p></li><li><p>Driven, Motivated &amp; Passionate to drive positive change.
</p></li><li><p>Demonstrated ability to interact seamlessly and effectively with all levels of management
</p></li></ul></li></ul><p></p><ul><li>-<br>
</li></ul><p></p><p><br>
<b>DISCLAIMER:
</b></p>Please note: We occasionally amend or withdraw Shell jobs and reserve the right to do so at any time, including prior to the advertised closing date. Before applying, you are advised to read our data protection policy. This policy describes the processing that may be associated with your personal data and informs you that your personal data may be transferred to Shell/Shell Group companies around the world. The Shell Group and its approved recruitment consultants will never ask you for a fee to process or consider your application for a career with Shell. Anyone who demands such a fee is not an authorised Shell representative and you are strongly advised to refuse any such demand. Shell is an Equal Opportunity Employer.</div>

American Express

<div>
 <p>
  <span>
   <strong>
    You Lead the Way. We&rsquo;ve Got Your Back.
    <br/>
   </strong>
  </span>
 </p>
 <p>
  <span>
   With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you&rsquo;ll learn and grow as we help you create a career journey that&rsquo;s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
   <br/>
  </span>
 </p>
 <p>
  <span>
   At American Express, you&rsquo;ll be recognized for your contributions, leadership, and impact&mdash;every colleague has the opportunity to share in the company&rsquo;s success. Together, we&rsquo;ll win as a team, striving to uphold our
  </span>
  <span>
   company values
  </span>
  <span>
   and powerful backing promise to provide the world&rsquo;s best customer experience every day. And we&rsquo;ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
   <br/>
  </span>
 </p>
 <p>
  <span>
   Join Team Amex and let's lead the way together.
   <br/>
  </span>
 </p>
 <p>
  <span>
   The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.
   <br/>
  </span>
 </p>
 <p>
  <span>
   The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager &ndash; International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau/alternate data strategy,
  </span>
  <span>
   manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.
   <br/>
   <br/>
   <br/>
  </span>
 </p>
 <span>
  Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.
  <br/>
 </span>
 <ol>
  <li>
   <span>
    <span>
     Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Explore traditional and alternative Commercial credit data/services.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Ensuring compliance with all regulatory requirements through robust risk policies
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Periodically review cases to identify modeling/strategy opportunities and improve customer experience.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models/strategies.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Drive profitability through advanced analytical techniques.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Put enterprise thinking first, connect the role&rsquo;s agenda to enterprise priorities and balance the needs of customers, partners, colleagues &amp; shareholders.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
    </span>
   </span>
  </li>
  <span>
  </span>
  <span>
   <br/>
  </span>
  <li>
   <span>
    <span>
     Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Should possess strong analytical and problem-solving skills and a tremendous will to win.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Strong relationship building, management and influencing skills.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Exceptional verbal, written, and interpersonal communication skills.
    </span>
   </span>
  </li>
 </ol>
 <span>
  <br/>
  <br/>
 </span>
 <span>
  <strong>
   How will you make an impact in this role?
   <br/>
   <br/>
   <br/>
  </strong>
 </span>
 <span>
  Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.
  <br/>
  <br/>
  <br/>
 </span>
 <span>
  <strong>
   Minimum Qualifications
   <br/>
  </strong>
 </span>
 <ul>
  <li>
   <span>
    <span>
     0 -3 years of experience in analytics/credit risk or related work experience
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Bachelor&rsquo;s / master&rsquo;s degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics, Computer Science or Economics) from a top tier institute
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE &amp; EXCEL
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Ability and willingness to work in a fast-paced environment and on aggressive timelines.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Effective team player and be able to manage multiple projects.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Excellent oral and written communication skills
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Experience in analyzing data, drawing inferences, and making recommendations.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Strong relationship management and negotiation skills
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Understanding of credit card business economics
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Demonstrated ability to succeed in high performing teams.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Demonstrated ability to drive innovation.
     <br/>
    </span>
   </span>
  </li>
  <li>
   <span>
    <span>
     Experience in handling/influencing senior leaders/partners across geographies is preferred.
    </span>
   </span>
  </li>
 </ul>
 <span>
  <br/>
  <br/>
 </span>
 <span>
  We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
 </span>
 <ul>
  <li>
   <span>
    Competitive base salaries&nbsp;
   </span>
  </li>
  <li>
   <span>
    Bonus incentives&nbsp;
   </span>
  </li>
  <li>
   <span>
    Support for financial-well-being and retirement&nbsp;
   </span>
  </li>
  <li>
   <span>
    Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)&nbsp;
   </span>
  </li>
  <li>
   <span>
    Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need&nbsp;
   </span>
  </li>
  <li>
   <span>
    Generous paid parental leave policies (depending on your location)&nbsp;
   </span>
  </li>
  <li>
   <span>
    Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)&nbsp;
   </span>
  </li>
  <li>
   <span>
    Free and confidential counseling support through our Healthy Minds program&nbsp;
   </span>
  </li>
  <li>
   <span>
    Career development and training opportunities
    <br/>
   </span>
  </li>
 </ul>
 <span>
  American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. &nbsp;
  <br/>
  <br/>
 </span>
 <span>
  Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
 </span>
</div>


Analyst-Risk Management

hackajob

<div>
 <em>
  <strong>
   hackajob
  </strong>
  is collaborating with
  <strong>
   American Express
  </strong>
  to connect them with exceptional tech professionals for this role.
  <br/>
  <br/>
 </em>
 <strong>
  You Lead the Way. We&rsquo;ve Got Your Back.
  <br/>
  <br/>
 </strong>
 With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you&rsquo;ll learn and grow as we help you create a career journey that&rsquo;s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.
 <br/>
 <br/>
 At American Express, you&rsquo;ll be recognized for your contributions, leadership, and impact&mdash;every colleague has the opportunity to share in the company&rsquo;s success. Together, we&rsquo;ll win as a team, striving to uphold our company values and powerful backing promise to provide the world&rsquo;s best customer experience every day. And we&rsquo;ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.
 <br/>
 <br/>
 Join Team Amex and let's lead the way together.
 <br/>
 <br/>
 The Enterprise Data Strategy team, in Credit and Fraud Risk Management is responsible for optimizing risk decisions through the lifecycle by identifying, testing, and integrating internal data with external data assets. The team manages strategic global relationships and data strategy for key third party data providers and contribution policy with external data partners (including credit bureaus) to support risk products in prospecting, new accounts, customer management, and collection practices. The team also serves as a critical channel for the exploration of new data opportunities for the firm.
 <br/>
 <br/>
 The incumbent would be part of the Enterprise Data Strategy team based in Gurgaon and reporting into Sr. Manager - International Commercial Data Strategy. The incumbent will be responsible for conducting detailed analysis on third-party vendor data to drive bureau/alternate data strategy, manage strategic Commercial data relationships and will partner closely with modeling, strategy, and risk product teams to drive innovative solutions and solve challenges.
 <br/>
 <br/>
 Analyst will be responsible for data analysis to challenge the status quo, identifying use cases for leveraging external data and will serve as a critical point for exploration of new data opportunities in Commercial.
 <br/>
 <br/>
 <ul>
  <li>
   Drive Commercial data strategy across the customer lifecycle through structured and risk-based principles.
  </li>
  <li>
   Explore traditional and alternative Commercial credit data/services.
  </li>
  <li>
   Be responsible for data mining, analytics, research, and capabilities development supporting regulated data (e.g. credit bureau information) and non-regulated data (e.g. aggregated or vertically compiled) to support Change Management, Operational Risk Events, and Strategic Decisions.
  </li>
  <li>
   Interacting and collaborating with partners across multiple lines of business including credit risk, fraud risk, market risk, capabilities, compliance, operations to develop, implement and optimize the Commercial data strategies including new third-party data vendor onboarding and existing products.
  </li>
  <li>
   Ensuring compliance with all regulatory requirements through robust risk policies
  </li>
  <li>
   Periodically review cases to identify modeling/strategy opportunities and improve customer experience.
  </li>
  <li>
   Evaluate new external data sources like Open banking, financials, credit bureau, Insurance, Firmographics, digital, etc. to improve risk models/strategies.
  </li>
  <li>
   Closely partner with external data vendors, internal capabilities, and internal Commercial risk teams to ingest new data sources for models/strategies.
  </li>
  <li>
   Drive profitability through advanced analytical techniques.
  </li>
  <li>
   Put enterprise thinking first, connect the role&rsquo;s agenda to enterprise priorities and balance the needs of customers, partners, colleagues &amp; shareholders.
  </li>
  <li>
   Lead with an external perspective, challenge the status quo and bring continuous innovation to our existing offerings.
  </li>
  <li>
   Demonstrate learning agility, make decisions quickly and with the highest level of integrity.
  </li>
  <li>
   Should possess strong analytical and problem-solving skills and a tremendous will to win.
  </li>
  <li>
   Strong relationship building, management and influencing skills.
  </li>
  <li>
   Exceptional verbal, written, and interpersonal communication skills.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  How will you make an impact in this role?
  <br/>
  <br/>
 </strong>
 Responsible for conducting detailed analysis on third-party vendor data to drive the data strategy in New Accounts, Customer Management and Marketing models and strategy for International Commercial business.
 <br/>
 <br/>
 <strong>
  Minimum Qualifications
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   0 -3 years of experience in analytics/credit risk or related work experience
  </li>
  <li>
   Strong data handling and ability to apply statistical / quantitative techniques and methods to drive business results.
  </li>
  <li>
   Bachelor&rsquo;s / master&rsquo;s degree in a quantitative field (e.g., Finance, Engineering, Mathematics, Statistics, Computer Science or Economics) from a top tier institute
  </li>
  <li>
   Strong quantitative, analytical, project management and structured problem-solving skills with proficiency in Python, SQL, HIVE &amp; EXCEL
  </li>
  <li>
   Ability and willingness to work in a fast-paced environment and on aggressive timelines.
  </li>
  <li>
   Effective team player and be able to manage multiple projects.
  </li>
  <li>
   Excellent oral and written communication skills
  </li>
  <li>
   Experience in analyzing data, drawing inferences, and making recommendations.
  </li>
  <li>
   Strong relationship management and negotiation skills
  </li>
  <li>
   Understanding of credit card business economics
  </li>
  <li>
   Demonstrated ability to succeed in high performing teams.
  </li>
  <li>
   Ability to grasp business problems/identify business opportunities and provide modeling solutions to solve them.
  </li>
  <li>
   Demonstrated ability to drive innovation.
  </li>
  <li>
   Experience in handling/influencing senior leaders/partners across geographies is preferred.
   <br/>
   <br/>
  </li>
 </ul>
 <strong>
  Benefits
  <br/>
  <br/>
 </strong>
 We back you with benefits that support your holistic well-being so you can be and deliver your best. This means caring for you and your loved ones' physical, financial, and mental health, as well as providing the flexibility you need to thrive personally and professionally:
 <br/>
 <br/>
 <ul>
  <li>
   Competitive base salaries
  </li>
  <li>
   Bonus incentives
  </li>
  <li>
   Support for financial-well-being and retirement
  </li>
  <li>
   Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location)
  </li>
  <li>
   Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need
  </li>
  <li>
   Generous paid parental leave policies (depending on your location)
  </li>
  <li>
   Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)
  </li>
  <li>
   Free and confidential counseling support through our Healthy Minds program
  </li>
  <li>
   Career development and training opportunities
   <br/>
   <br/>
  </li>
 </ul>
 American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law.
 <br/>
 <br/>
 Offer of employment with American Express is conditioned upon the successful completion of a background verification check, subject to applicable laws and regulations.
</div>


Aditya Birla Group

<div>
 <strong>
  KRAs
  <br/>
  <br/>
 </strong>
 <ul>
  <li>
   Engaging in identifying the ideal customer base for the territory to facilitate the propecting and lead generation.
  </li>
  <li>
   Creating the value matrix and strategizing the sales funnel for the product for the territory.
  </li>
  <li>
   Build a business database for the territory within the stipulated time limit.
  </li>
  <li>
   Execute collection of monthly MOP of Paint Majors from key Dealers.
  </li>
  <li>
   Conduct shortlisting of prospective Tinting Machines outlets in the territory and Franchise Stores subsequently.
  </li>
  <li>
   Conduct a credit risk assessment of every dealer.
  </li>
  <li>
   Gather benchmark data about length of credit given by Paint Majors and understand the inventory management followed by the dealers.
  </li>
  <li>
   Build a strong team of DDEs.
  </li>
  <li>
   Understand and present monthly trade schemes of Paint Majors and build monthly dashboards.
  </li>
  <li>
   Execute achievement of value volume targets for the year.
  </li>
  <li>
   Lead achievement of Numeric and Weighted Reach Target of the territory together with development of key dealers.
  </li>
  <li>
   Action out the booking, installation and successful nurturing of Tinting Machines across outlets in the territory.
  </li>
  <li>
   Analyse and understand all the trade schemes and on ground promotions.
  </li>
  <li>
   Communicate the trade schemes and on ground promotional activity briefs to the relevant stakeholders.
  </li>
  <li>
   Conduct credit risk assessment of every dealer.
  </li>
  <li>
   Manage the receivables for all dealers.
  </li>
  <li>
   Carry out the broad inventory management for the dealers.
  </li>
  <li>
   Execute cross function interaction with commercial,CFA and other stake holders to ensure defined service level for his dealers.
  </li>
 </ul>
</div>


Territory Sales Executive Trade

FlagStar Bank

<div><div>Position Title</div>
Credit Products Analyst II<div></div><div>
Location</div>
Hicksville, NY 11801<div></div><div>
Job Summary</div>
Job Profile Summary<br>
The Commercial Credit Analyst II builds upon foundational credit experience by taking on more complex underwriting and portfolio management responsibilities. This role plays a key part in supporting Credit Products Specialists in assessing credit risk, structuring commercial loans, and monitoring portfolio performance. Analysts are expected to independently conduct financial analysis, prepare risk ratings, and provide insights on credit decisions, while continuing to refine industry expertise and technical skills.<br>
<br>
Pay Range: $64,022 - $83,229 - $102,436<div></div>
Pay Range: Local Minimum Wage - $0.00 - $0.00<div></div><div>
Job Responsibilities:</div><div><div>
Credit Risk Analysis &amp; Portfolio Management:</div></div><div><div><div><div><div><div><div><div><div><ul><li><div>
Conduct financial spreading and risk rating analysis.</div></li><li><div>
Perform detailed credit due diligence and industry research.</div></li><li><div>
Prepare annual and periodic credit reviews.</div></li><li><div>
Monitor borrower performance and track financial covenants.</div></li><li><div>
Recommend risk rating adjustments based on financial trends.</div></li></ul><div>
Loan Structuring &amp; Underwriting Support:</div><ul><li><div>
Assist Credit Products Specialists in structuring new loans and modifications.</div></li><li><div>
Prepare internal credit approval memoranda.</div></li><li><div>
Conduct market and collateral analysis.</div></li><li><div>
Review and interpret due diligence reports.</div></li><li><div>
Partner with Relationship Managers to prepare financing-related pitch materials.</div></li></ul><div>
Relationship &amp; Internal Collaboration:</div><ul><li><div>
Work closely with RMs, Credit Officers, and Credit Products Specialists to provide data-driven insights.</div></li><li><div>
Participate in client discussions and presentations as needed.</div></li></ul><div>
Special Projects &amp; Professional Development:</div><ul><li><div>
Contribute to process improvement initiatives.</div></li><li><div>
Continue professional development through credit training programs.</div></li><li><div>
Support policy updates and regulatory compliance efforts.</div></li></ul><div></div><div>
ADDITIONAL ACCOUNTABILITIES</div><ul><li><div>
Performs special projects, and additional duties and responsibilities as required.</div></li><li><div>
Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.</div></li></ul><div></div><div>
JOB REQUIREMENTS</div><div></div><div>
Required Qualifications:</div><ul><li><div>
Education level required: Undergraduate Degree (4 years or equivalent) in finance, accounting, economics, or a related discipline.</div></li><li><div>
Minimum experience required: 3+ Years in commercial banking, credit analysis, or a related field.</div></li></ul><div></div><div>
Preferred Qualifications:</div><ul><li><div>
Exposure to commercial credit structuring and deal underwriting beneficial.</div></li></ul><div></div><div>
Job Competencies:</div><ul><li><div>
Advanced Financial &amp; Credit Analysis: Proficiency in financial modeling, credit risk assessment, and industry research.</div></li><li><div>
Risk Assessment &amp; Decision-Making: Ability to analyze complex credit situations and recommend solutions.</div></li><li><div>
Process &amp; Portfolio Management: Strong skills in tracking financial reporting and monitoring credit agreements.</div></li><li><div>
Collaboration &amp; Influence: Works effectively with RMs, Credit Officers, and external partners.</div></li><li><div>
Problem Solving: Applies critical thinking to resolve credit issues and assess risk exposure.</div></li><li><div>
Technology &amp; Data Utilization: Proficient in financial analysis tools, CRM systems, and Excel (pivot tables, financial modeling).</div></li><li><div>
Physical demands (ADA): No unusual physical exertion is involved.</div></li></ul></div></div></div></div></div></div></div></div></div><div>
Flagstar is an Equal Opportunity Employer</div><div></div><div>
Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program. Please click the following link for detailed information: <div><i>Benefits | Flagstar Bank</i></div></div></div>

Credit Products Analyst II

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