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credit support - operations analyst

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finance consultant

credit risk manager

Ujjivan Small Finance Bank

<div>
 <ol>
 <li>
 
 POSITION DESCRIPTION
 
 </li>
 </ol>
 
 
 
 
 
 JOB TITLE
 
 
 
 Manager-Credit Risk
 
 
 
 
 
 
 DEPARTMENT
 
 
 
 Risk
 
 
 
 LOCATION
 
 
 
 HO
 
 
 
 
 
 
 SUB-DEPARTMENT
 
 
 
 Credit
 
 
 
 TYPE OF POSITION
 
 
 
 Full-time
 
 
 
 
 <ol>
 <li>
 
 ROLE PURPOSE &amp; OBJECTIVE
 
 </li>
 </ol>
 
 
 
 <ul>
 <li>
 
 To ensure implementation of the credit risk management policy approved by the Board.
 
 </li>
 <li>
 
 To formulate, review and implementation of risk appetite
 
 </li>
 <li>
 
 Monitor credit risks on an SFB wide basis and ensure compliance with the Board approved risk parameters/prudential limits and monitor risk concentrations.
 
 </li>
 <li>
 
 Review status of portfolio management, loan review mechanism, risk monitoring and evaluation, regulatory/legal compliance, adequacy of provision, risk concentrations, industry reviews, and suggest corrective measures and activity reviews for credit risk management.
 
 </li>
 <li>
 
 Review the performance and effectiveness of the credit scorecards, the need for any adjustments, and placing recommendations before the CRO
 
 </li>
 <li>
 
 Review and approve the use of credit scorecards for business and risk management purposes and placing recommendations before the CRO
 
 </li>
 </ul>
 
 
 
 <ol>
 <li>
 
 KEY DUTIES &amp; RESPONSIBILITIES OF THE ROLE
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 Business/ Financials
 
 
 
 
 
 Credit Risk Unit
 
 
 
 <ul>
 <li>
 
 To develop credit risk appetite/limits statements with support from Business units
 
 </li>
 <li>
 
 To monitor the credit risk parameters and credit exposure / concentration limits set by the SFB&rsquo;s Board of Directors / Risk Management Committee of the Board/ Regulator
 
 </li>
 <li>
 
 To lay down credit risk identification systems, monitor quality of portfolio, identify problem credits and undertake asset quality reviews with support from Business units.
 
 </li>
 <li>
 
 Implementation of credit scorecards with support from Business units.
 
 </li>
 <li>
 
 To analyze early warnings signals in the MSE portfolio, for identification of weak exposures, identify remedial measures in co-ordination with Business units and monitor the actions taken.
 
 </li>
 <li>
 
 Responsible for execution of portfolio risk management activities including concentration risk monitoring and stress testing.
 
 </li>
 <li>
 
 Responsible for ensuring stringent monitoring and management of specifically assigned problem accounts either independently or in co-ordination with the Business units.
 
 </li>
 <li>
 
 Responsible for executing the NPA management strategies in co-ordination with Business units and with support from the Legal department
 
 </li>
 <li>
 
 Monitor portfolio performance on a quarterly basis or as and when directed by the Board or Committee or Regulator and identify associated credit risks
 
 </li>
 <li>
 
 Study the impact of various stress scenarios on different portfolios to complement the regular risk measurement methods
 
 </li>
 <li>
 
 Classification of SMA and watch-list accounts in co-ordination with Business units
 
 </li>
 <li>
 
 Implementation of Internal Audit recommendations specific to the credit risk unit
 
 </li>
 </ul>
 
 
 
 
 
 
 Business Risk unit
 
 
 
 <ul>
 <li>
 
 Develop a comprehensive risk management framework for assessing, identifying, monitoring and reducing pertinent business risks that could interfere with the bank's objectives and goals
 
 </li>
 <li>
 
 Implement the Credit risk management frameworks under the guidance of CRCO and policies for the Bank
 
 </li>
 <li>
 
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 
 </li>
 <li>
 
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 
 </li>
 <li>
 
 Assess the insurance requirements of the bank and arrange appropriate cover for transfer of risks as assessed as appropriate.
 
 </li>
 <li>
 
 Assess the security environment and take necessary steps to protect the interests of all stakeholders across both Physical and Information Technology dimensions.
 
 </li>
 </ul>
 
 
 
 
 
 Internal Process
 
 
 <ul>
 <li>
 Regular review of overall credit portfolio to assess risk quality and recommend risk mitigation measures, if warranted.
 </li>
 <li>
 Review the management of market and liquidity risks and provide inputs to asset liability management committee and recommend suitable risk management measures as required
 </li>
 <li>
 Develop the fraud risk management framework; periodically monitor fraud risk cases and recommend risk mitigation measures, as required in coordination with the CVO
 </li>
 <li>
 Participate in scheduled meetings of Risk management Committee (for credit risk, operation risk and market risk), Investment Committee and Asset Liability Management Committee
 </li>
 </ul>
 
 
 
 
 
 Learning &amp; Innovation
 
 
 <ul>
 <li>
 Provide the risk and compliance staff with sufficient resources, management support and the access required to prevent / detect compliance issues / breaches
 </li>
 <li>
 Maintain current knowledge of laws and regulations, keeping abreast of the most recent developments in regulations, notifications and circulars and disseminate the information regarding new regulatory developments
 </li>
 <li>
 Develop, coordinate and impart a multifaceted educational and training program that focuses on the elements of the compliance program, and seeks to ensure awareness creation
 </li>
 <li>
 Maintain a knowledge base of compliance failures and implications, provide advice on preventive actions to prevent such failures
 </li>
 <li>
 Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 MINIMUM REQUIREMENTS OF KNOWLEDGE &amp; SKILLS
 
 </li>
 </ol>
 
 
 
 
 
 
 
 
 
 
 
 Educational
 
 
 
 
 Qualifications
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in commerce/MBA in finance
 </li>
 <li>
 Additional qualification in law, accountancy such as CA/CS/LLB.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Experience
 
 
 <ul>
 <li>
 At least 10 years of experience in banking business
 </li>
 <li>
 At least 3+ years of experience in compliance &amp; 3+ years of hands-on experience in risk /audit &amp; inspection functions.
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Certifications
 
 
 <ul>
 <li>
 PO qualified
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Functional Skills
 
 
 <ul>
 <li>
 Knowledge of &ndash; credit risk, operational risk, market risk
 </li>
 <li>
 Knowledge of asset liability management
 </li>
 <li>
 Knowledge RBI polices/guideline relevant to SFB &amp; banking
 </li>
 <li>
 Good understanding of policy formulation process
 </li>
 <li>
 Adept at influencing policy changes for commercial advantage
 </li>
 <li>
 High operational knowledge and experience in government processes and compliances both at union and state levels
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Behavioral Skills
 
 
 <ul>
 <li>
 Interpersonal communications
 </li>
 <li>
 Stakeholder management
 </li>
 <li>
 Project management skills
 </li>
 <li>
 Problem solving &amp; critical thinking
 </li>
 <li>
 Planning &amp; organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 Competencies Required
 
 
 <ul>
 <li>
 Building Relationship
 </li>
 <li>
 Driving Change
 </li>
 <li>
 Planning &amp; Organizing
 </li>
 </ul>
 
 
 
 
 
 
 
 
 
 
 
 
 <ol>
 <li>
 
 KEY INTERACTIONS
 
 </li>
 </ol>
 
 
 
 
 
 INTERNAL
 
 
 
 
 EXTERNAL
 
 
 
 Legal Manager
 
 
 Regulatory bodies (including RBI)
 
 
 Internal Audit Dept.
 
 
 Risk rating agencies
 
 
 All functional heads
 
 
 Chief Compliance Officers or Chief Risk Officers of other banks
 
 
 CFO
 
 
 
 
 
 Treasury team (FO &amp; BO)
 
 
 
</div>

Credit Risk Manager

PayU

<div>
 PAYU PAYMENTS PRIVATE LIMITED
 
 Role:
 
 Fraud Risk Analyst
 
 
 
 Company:
 
 PayU
 
 
 
 Location:
 
 Bangalore/Mumbai/Gurgaon
 
 
 
 About Company
 
 
 
 About PayU A Prosus group company
 
 
 PayU is the payments and fintech business of Prosus, a global consumer internet group and one of the biggest investors in the fintech space globally, with investments totaling $700 million- to date. In India, PayU serves more than 350,000 merchants with 70+ local payment methods and is the preferred payments partner for nearly 60% of the e-commerce merchants, including all leading e-commerce companies and a majority of airline businesses.
 
 
 PayU specializes in credit products and services for emerging markets across the globe. Headquartered in Mumbai, PayU Credit India has disbursed about 20 billion loans to date by volume and has disbursed more than $280 million in consumer credit. PayU Credit provides consumers with easy access to affordable short-term loans up to INR 5 lacs that can be availed in the form of personal loans, point of sale EMI and express loans. Lead by Prashanth Ranganathan, the company has been focusing on providing innovative solutions that make access to credit convenient as well as quick. PayU India entered the alternate lending business in 2017 with LazyPay, its buy-now-pay-later offering to provide consumers with convenient checkout options. It emerged as one of the most popular payment methods across 300+ renowned merchants in its network like Swiggy, Zomato, Samsung, Dunzo, GoAir, amongst others. The company launched &lsquo;LazyPay Credit Shield&rsquo; an end to end digital lending features that help its users to be mindful of their financial health and credit score and automates the entire process of disbursal. Riding on the success of the offering in 2018, PayU received RBI&rsquo;s approval to operate as an NBFC in 2018. PayU acquired a stake in PaySense in January 2020 to accelerate its vision for credit in India and leverage AI &amp; ML to build a full-stack digital lending platform in India. PayU in its next phase of growth is developing a full regional fintech ecosystem providing multiple digital financial services in one integrated experience.
 
 
 
 Roles And Responsibilities
 
 
 
 <ul>
 <li>
 Leverage Python, SQL, advanced data analytics to extract, manipulate, and analyze large datasets to identify fraud patterns and build effective rule-based and AI-driven detection systems across multiple product lines of PayU
 </li>
 <li>
 Create and maintain Early Warning Signals (EWS) to proactively identify emerging fraud patterns and trends
 </li>
 <li>
 Work closely with product, engineering, data science, and business teams to embed fraud prevention measures into product design and operational processes.
 </li>
 <li>
 Conduct deep-dive investigations into fraud cases to understand attack vectors and enhance countermeasures using internal and external data
 </li>
 <li>
 Perform detailed analysis and interpret information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management
 </li>
 <li>
 Develop automated reporting dashboards and data visualizations to monitor and analyze fraud metrics, KPIs, and loss trends to assess portfolio health and communicate insights to stakeholders
 </li>
 <li>
 Prepare and present reports on fraud trends, risk exposure to Senior Management and risk governance committees
 </li>
 <li>
 Stay updated with industry fraud trends and ensure the fraud controls follow local financial regulations, including mandates from the Reserve Bank of India (RBI)
 </li>
 <li>
 Assist with drafting fraud risk management policies, internal audits, and regulatory reviews
 
 
 </li>
 </ul>
 
 Qualifications And Experience
 
 
 
 <ul>
 <li>
 Undergraduate degree in Economics, Engineering, or Mathematics
 </li>
 <li>
 2-4 years of experience in fraud risk management, business analysis, or related analytical roles in financial services
 </li>
 <li>
 Strong analytical and problem-solving skills as demonstrated by previous experience in developing creative solutions to business strategy, technological, and operational problems
 </li>
 <li>
 Strong proficiency in analytic programming skills (R, Python, SQL, Excel), willingness to work closely with large data sets and get into the details with business processes
 </li>
 <li>
 Excellent communication skills with ability to present technical findings to non-technical stakeholders
 </li>
 </ul>
</div>

Fraud Risk Analyst

Microsoft

<div>
 
 Organization Summary
 
 
 
 If you love the pursuit of excellence and are inspired by the challenges that come through driving innovations that impact how the world lives, works, and plays, then we invite you to learn more about Microsoft Operations - and the value we deliver across Microsoft, our partners, and our customers. We offer unique opportunities to work on interesting global projects in an environment that appreciates diversity, focuses on talent development, and recognizes and rewards great work. We make doing business with Microsoft easy.
 
 
 Microsoft Enterprise Direct Services, within Microsoft Business Operations, provides direct and centralized operations services for Direct Enterprise Agreement customers to transact with Microsoft. We are accountable to design and executing transactional services across the Enterprise customer lifecycle. We relentlessly pursue process efficiency, timeliness, quality, and compliance, all while providing world class Customer experience. We are looking for team members to join our team to focused on delivering an exceptional Customer experience with deep expertise in Contracting, Order Management, Billing and Supplier Management and Customer relationship experience.
 
 
 
 
 
 Position Description
 
 
 
 The Customer Operations Manager is responsible for customer-facing licensing solutions and must be a subject matter expert within our Volume Licensing concepts and processes. The Customer Operations Manager will provide direct, front line transactional support for Microsoft Field sellers and our customers. The Customer Operations Manager is responsible for ensuring adherence with the Microsoft account plan, ensuring deliverables are executed on time and of high quality for our customers.
 
 
 The role will also provide fantastic opportunities to lead and shape next generation experiences for internal stakeholders and end customers. Are you ready to make an impact in this exciting and challenging role?
 
 
 
 Responsibilities
 
 
 
 
 Contracting and Order Management
 
 
 
 <ul>
 <li>
 Deal and Contract Validation: Manage the validation and execution of agreements and post sales lifecycle transactions enabling accuracy in downstream financial processes followed by compliant issuance of customer contracts in accordance with Policies, Global and SOX approved deal financials.
 </li>
 <li>
 Pipeline Management: Manage critical deal lists on a monthly and quarterly basis in alignment with expectations with the Sales, Sales Excellence and key Subsidiary sales stakeholders on all critical deals for the month .
 
 
 </li>
 </ul>
 
 Billing Management
 
 
 
 <ul>
 <li>
 Billing Execution: ensuring accurate and compliant order and invoice approval and dispatch (standard and local) to maximize cash flow and collectability for all invoices.
 </li>
 <li>
 Credit Approval management: including orchestration of all Finance exception approvals on high value credits and execution of all credits and associated rebills.
 </li>
 <li>
 Billing status and risk management: including tracking and communicating contract billing status to key stakeholders highlighting risks with contractual requirements, customer PO coverage, customer sign offs and credit/payment status.
 
 
 </li>
 </ul>
 
 Customer Service
 
 
 
 <ul>
 <li>
 Serve as the primary point of contact for all operational customer service inquiries, concerns, and issues.
 </li>
 <li>
 Oversee the daily operations of the customer service team to ensure quality standards are met and maintained.
 </li>
 <li>
 Monitor customer service metrics and KPIs to identify areas of improvement and implement strategies to boost performance.
 </li>
 <li>
 Handle escalated customer service issues and complaints in a professional and efficient manner.
 </li>
 <li>
 Work closely with other departments to resolve customer issues and ensure a positive customer experience.
 </li>
 <li>
 Develop and implement processes and procedures to streamline the customer service operation.
 </li>
 <li>
 Stay up-to-date on industry trends and best practices to ensure the customer service team is providing the highest level of service possible.
 </li>
 <li>
 Generate reports on customer service metrics and activity for senior leader consumption and monthly business reviews.
 
 
 </li>
 </ul>
 
 Operations Excellence: Optimization and Process improvement
 
 
 
 <ul>
 <li>
 Acts as a thought leader to drive consistency in processes, capabilities, and services meeting performance expectations for consistency, accuracy, simplification, and timeliness of delivery .
 </li>
 <li>
 Trusted advisor for customers and internal clients on operational processes and capabilities, and provides efficient, scalable operational solutions across a portfolio of accounts .
 
 
 </li>
 </ul>
 
 Stakeholder Management (Field, Partners, Customers)
 
 
 
 <ul>
 <li>
 Uses voice of customer frameworks and metrics to identify trends and influences across multiple customers and internal groups.
 
 
 </li>
 </ul>
 
 Qualifications
 
 
 
 
 Required Experience/Minimum Qualifications
 
 
 
 <ul>
 <li>
 4+ years of work experience in contracting &amp; order management, pipeline management, &amp; billing execution, with a focus on financial accuracy, compliance, and risk management.
 </li>
 <li>
 Expertise in contract validation, pipeline management, credit approval, and billing management, with strong capabilities in customer service, stakeholder engagement, process optimization, and operations excellence.
 </li>
 <li>
 Proficiency in data-driven decision-making, using KPIs to monitor performance, and acting as a trusted advisor to internal and external customers.
 </li>
 <li>
 Bachelor&rsquo;s degree in business, Operations, Finance or related field AND operations, program management or process management work experience
 </li>
 <li>
 OR equivalent experience.
 </li>
 <li>
 On site presence minimum 3 days/week.
 
 
 </li>
 </ul>
 
 Preferred Qualifications
 
 
 
 <ul>
 <li>
 2+ years of experience in customer service operations, managing escalations, improving service metrics, &amp; implementing process improvements to streamline operations.
 </li>
 <li>
 Experience with similar industry Business Value deal constructions.
 </li>
 <li>
 Experience with Microsoft licensing concepts, including contracts, quotes and invoices, as well as evaluation and review of complex proposals, agreements, and amendments.
 </li>
 <li>
 Experience providing direct support for Microsoft Volume Licensing sales and support lifecycle.
 
 
 </li>
 </ul>
 Microsoft is an equal opportunity employer. Consistent with applicable law, all qualified applicants will receive consideration for employment without regard to age, ancestry, citizenship, color, family or medical care leave, gender identity or expression, genetic information, immigration status, marital status, medical condition, national origin, physical or mental disability, political affiliation, protected veteran or military status, race, ethnicity, religion, sex (including pregnancy), sexual orientation, or any other characteristic protected by applicable local laws, regulations and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application process, read more about requesting accommodations.
</div>

Customer Operations Manager

JPMorganChase

<div>
 
 Job Description
 
 
 
 Are you looking for an opportunity where you can develop your skills and be part of a growing dynamic team?
 
 
 As a Credit Support Specialist IV within JPMorganChase, you will play a pivotal role in maintaining the integrity of our credit portfolio. Your primary responsibility is to assess borrower compliance with credit agreement terms, ensuring adherence to the stipulated conditions. You'll use your understanding of financial covenants to identify potential defaults, focusing on syndicated loans and bilateral agreements. Guided by established routines and procedures, you'll apply critical thinking to semi-routine tasks, escalating non-routine issues to senior team members. Additionally, you'll leverage your skills in conflict management, emotional intelligence, and stakeholder management to facilitate discussions and create collaborative solutions, while managing time effectively to deliver courteous and effective service to our clients.
 
 
 
 Job Responsibilities
 
 
 
 <ul>
 <li>
 Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and breaches of covenants.
 </li>
 <li>
 Interpret financial and other covenants in credit agreements, ensuring accurate setup of relevant parties in the bank's system of record.
 </li>
 <li>
 Conduct credit analysis and monitor ongoing compliance with financial covenants, applying critical thinking to identify potential risks.
 </li>
 <li>
 Calculate cash flow and leverage ratios according to credit agreement terms, ensuring accuracy.
 </li>
 <li>
 Manage time effectively to adhere to quality control standards and service level agreements, ensuring timely task completion.
 
 
 </li>
 </ul>
 
 Required Qualifications, Capabilities, And Skills
 
 
 
 <ul>
 <li>
 Foundational understanding of credit agreement terms and financial covenants, with the capability to interpret and apply them effectively in various contexts.
 </li>
 <li>
 Strong ability to perform tasks accurately by adhering to well-defined policies, procedures, and techniques, ensuring precision and reliability.
 </li>
 <li>
 Developing proficiency in conflict management and active listening, facilitating discussions to achieve collaborative solutions and effective information gathering.
 </li>
 <li>
 Baseline skills in time management and organization, efficiently handling multiple tasks to achieve goals and maximize productivity.
 
 
 </li>
 </ul>
 
 Preferred Qualifications, Capabilities, And Skills
 
 
 
 <ul>
 <li>
 Foundational capability in driving continuous improvement and process automation, optimizing lending workflows and enhancing efficiency.
 </li>
 <li>
 Basic proficiency in digital literacy, supporting the effective use of technology in lending services.
 </li>
 <li>
 Initial skills in creating quantitative reports to track lending performance and support strategic planning with data-driven insights.
 </li>
 <li>
 Foundational experience in leading project management efforts, ensuring successful execution of lending service initiatives.
 
 
 </li>
 </ul>
 
 About Us
 
 
 
 JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world&rsquo;s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
 
 
 We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants&rsquo; and employees&rsquo; religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
 
 
 
 About The Team
 
 
 
 J.P. Morgan&rsquo;s Commercial &amp; Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial &amp; Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.
</div>

Credit Support - Operations Analyst

Rupeek

<div>
 
 
 Rupeek: Redefining Gold Loans for a Digital India
 
 
 
 
 
 
 
 The Opportunity:
 
 
 
 India boasts a $2 trillion gold market, yet traditional gold loans are often cumbersome and lack transparency. Rupeek, established in 2015 and headquartered in Bangalore, is changing this landscape. We are India's leading asset-backed digital lending fintech platform, committed to making credit accessible and convenient.
 
 
 
 
 
 
 Our Approach:
 
 
 
 Rupeek leverages cutting-edge technology and an automated asset-light model to transform gold loan disbursal. Our secure, low-touch processes offer a friction-free experience for over 5 lakh satisfied customers across India. With strategic partnerships with leading banks and financial institutions, Rupeek unlocks the value of gold assets for our borrowers
 
 .
 
 
 
 
 
 
 
 Why Rupeek?
 
 
 <ul>
 <li>
 Shape the Future of Finance: Join us in revolutionising the way India accesses credit through innovation, technology, and a commitment to building a more inclusive financial ecosystem
 </li>
 <li>
 Profitable Scale is Our Focus: We are now prepared and committed to achieving a profitable scale while remaining dedicated to financial inclusion.
 </li>
 <li>
 Backed by Industry Leaders: Marquee investors like Accel Partners, Bertelsmann, Elevation Capital, GGV Capital, Peak XV and many more fuel our growth, demonstrating confidence in our innovative approach.
 </li>
 </ul>
 
 
 
 
 
 Are you someone who thrives in a dynamic, fast-paced environment?
 
 
 
 If you share our passion for making a difference, Rupeek offers the perfect platform to leverage your expertise and shape the future of gold-backed lending in India.
 
 
 
 This is your chance to build a company at the forefront of financial innovation and market leadership.
 
 
 
 
 
 
 
 Role:Internal Auditor
 
 
 
 
 
 
 
 Position Overview:
 
 
 
 The Internal Auditor will be responsible for independently evaluating and improving the effectiveness of risk management, internal controls, and governance processes across Rupeek&rsquo;s gold loan and financial operations. The role requires hands-on expertise in concurrent audits, gold audits, RBI compliance reviews, and process assurance within the NBFC/Banking domain.
 
 
 
 
 
 
 Job Title: Internal Auditor
 
 
 
 
 Experience:
 
 8- 10 yrs years of hands-on experience in Concurrent Audits, Gold Audits.
 
 
 
 Location:
 
 Bangalore (HSR Layout)
 
 
 
 
 
 
 
 
 
 Job Responsibilities:
 
 
 <ul>
 <li>
 Plan, execute, and report on internal audits covering operational, compliance, and financial processes.
 </li>
 <li>
 Assessing the adequacy and effectiveness of internal control systems.
 </li>
 <li>
 Identifying control weaknesses and suggesting improvements.
 </li>
 <li>
 Reviewing control over cash flow, accounting, investments, and loan approvals/disbursements
 </li>
 <li>
 Verifying accuracy and completeness of financial records.
 </li>
 <li>
 Reviewing revenue recognition, interest income, and provisioning policies.
 </li>
 <li>
 Checking alignment of financial reports with accounting standards and regulatory norms
 </li>
 <li>
 Monitoring loan portfolio performance related processes, including NPA identification, provisioning norms, and recovery actions.
 </li>
 <li>
 Reviewing day-to-day operations including customer on boarding, KYC compliance, and transaction monitoring.
 </li>
 <li>
 Auditing processes in departments like HR, Finance, IT, Legal, and Collections.
 </li>
 <li>
 Ensuring systems and procedures are being followed consistently.
 </li>
 <li>
 Conduct concurrent audits of branches, gold loan operations, disbursal's, and collections.
 </li>
 <li>
 Perform gold audits &ndash; valuation checks, purity verification, vault &amp; custody audits.
 </li>
 <li>
 Ensure RBI regulatory compliance audits, including KYC, AML, Fair Practice Code, and reporting timelines.
 </li>
 <li>
 Identify control gaps, fraud risks, and process deviations; recommend corrective actions.
 </li>
 <li>
 Track closure of audit observations and ensure timely follow-ups.
 </li>
 <li>
 Collaborate with Risk, Compliance, and Business teams to strengthen internal controls.
 </li>
 <li>
 Present periodic audit findings and dashboards to senior management.
 </li>
 <li>
 Assist in preparing for regulatory inspections (RBI/NHB, etc.) and external audits.
 </li>
 <li>
 Maintain strong knowledge of Banking/NBFC regulatory environment, RBI guidelines, and industry best practices
 </li>
 </ul>
 
 
 
 
 
 Skills &amp; Qualifications
 
 
 <ul>
 <li>
 Chartered Accountant (CA) Pref or Post Graduate in Finance/Commerce.
 </li>
 <li>
 8&ndash;10 years of experience in internal audit within Banking/NBFC sector.
 </li>
 <li>
 Proven expertise in concurrent audits, gold audits, and RBI audits.
 </li>
 <li>
 Strong understanding of Banking /NBFC operations, gold loan processes, KYC/AML compliance.
 </li>
 <li>
 Hands-on experience in fraud detection, process reviews, and risk control assessments.
 </li>
 <li>
 Excellent analytical, problem-solving, and report-writing skills.
 </li>
 <li>
 Ability to work independently and engage with senior leadership.
 </li>
 </ul>
 
 Strong ethics, integrity, and attention to detail.
 
 
 
</div>

Internal Auditor

Infosys Finacle

<div>
 
 Finacle is an industry leader in digital banking solutions. We are a unit of EdgeVerve Systems, a product subsidiary of Infosys. We partner with emerging and established financial institutions to help inspire better banking. Our cloud-native solution suite and SaaS services help banks engage, innovate, operate, and transform better to scale digital transformation with confidence. Finacle solutions address the core banking, lending, digital engagement, payments, cash management, wealth management, treasury, analytics, AI, and blockchain requirements of financial institutions. Banks in over 100 countries rely on Finacle to help more than a billion people save, pay, borrow, and invest better.
 
 
 
 
 
 To know more about Finacle visit www.finacle.com
 
 
 
 
 <ul>
 <li>
 6+ years of Product Management experience in a software / product development organization (primary requirement)
 </li>
 <li>
 1+ years of proven product development / support experience in a software / product development organization preferred
 </li>
 <li>
 Proven experience of interfacing with customers and understanding theirneeds
 </li>
 <li>
 Strong Techno-Commercial/ Business Orientation knowledge
 </li>
 <li>
 Financial management experience: Estimating, Budgeting, Pricing, Risk assessment
 </li>
 </ul>
 
 (or)
 
 <ul>
 <li>
 5+ Experience in a bank handling operations or credit.
 </li>
 <li>
 Drive Release Management team to adhereto the set timelines and budget to ensure smallnon-complex product / module / feature launch
 </li>
 <li>
 targets are met as perthe predicted costs
 </li>
 </ul>
 
 
</div>

Consultant

MUFG

<div>
 
 
 About Us:
 
 
 
 MUFG Bank, Ltd. is Japan&rsquo;s premier bank, with a global network spanning in more than 40 markets. Outside of Japan, the bank offers an extensive scope of commercial and investment banking products and services to businesses, governments, and individuals worldwide. MUFG Bank&rsquo;s parent, Mitsubishi UFJ Financial Group, Inc. (MUFG) is one of the world&rsquo;s leading financial groups. Headquartered in Tokyo and with over 360 years of history, the Group has about 120,000 employees and offers services including commercial banking, trust banking, securities, credit cards, consumer finance, asset management, and leasing. The Group aims to be the world&rsquo;s most trusted financial group through close collaboration among our operating companies and flexibly respond to all the financial needs of our customers, serving society, and fostering shared and sustainable growth for a better world. MUFG&rsquo;s shares trade on the Tokyo, Nagoya, and New York stock exchanges.
 
 
 
 
 
 
 MUFG Global Service Private Limited:
 
 
 
 Established in 2020, MUFG Global Service Private Limited (MGS) is 100% subsidiary of MUFG having offices in Bengaluru and Mumbai. MGS India has been set up as a Global Capability Centre / Centre of Excellence to provide support services across various functions such as IT, KYC/ AML, Credit, Operations etc. to MUFG Bank offices globally. MGS India has plans to significantly ramp-up its growth over the next 18-24 months while servicing MUFG&rsquo;s global network across Americas, EMEA and Asia Pacific.
 
 
 
 
 
 
 Description:
 
 
 
 The health and safety of our employees and candidates are very important to us. Due to the current situation related to the Novel Coronavirus (2019-nCoV), we&rsquo;re leveraging our digital capabilities to ensure we can continue to recruit top talent at the MUFG Group. As your application progresses, you may be asked to use one of our digital tools to help you through your recruitment journey. If so, one of our Resourcing colleagues will explain how our video-interviewing technology will be used throughout the recruitment process and will be on hand to answer any questions you might have. If you&rsquo;re looking for a career where you can make a real impression, join MUFG and discover how valued you&rsquo;ll be.
 
 
 
 
 
 
 Department Overview:
 
 
 
 KYC Operations: the objective is to provide a best-in-class KYC process. It ensures that KYC profiles are prepared in accordance with Group and Regulatory Policy, obtaining documents as required from the client/ relationship manager, undertaking all the necessary due diligence checks, and ensuring appropriate escalation is followed according to Policy.
 
 
 The KYCS Service function has onshore hubs in Japan, Americas, EMEA, Singapore and Hong Kong. KYC Operations is responsible for providing centralized KYC production, validation of clients in support of both client on-boarding and periodic maintenance of client information. It has been tasked with creating a KYC profile service to provide a consistent approach for KYC across the countries of the Group as part of the overall Global Standards. The organization is expected to go through a transformation where new policies, processes and technologies will be implemented.
 
 
 
 
 
 
 Position: KYC Analyst
 
 
 
 
 Location: Bangalore, India
 
 
 
 
 Legal Entity: MGS &ndash; India
 
 
 
 
 
 
 
 Responsibilities:
 
 
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 Production of KYC profile to the highest quality standard &amp; in line with the latest policies and procedures. Individuals are required to keep themselves updated on the latest procedural/ policy changes across all streams.
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 Obtain &amp; update all missing client documentation from the client (with the help of the RMs), ability to research and analyze large amounts of data and assess higher risk attributes (geographical, product/service, entity/industry type, transactional, etc.)
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 Following up on client profiles (In line with the latest escalation matrix) &amp; making sure that all levels of signoff are in line with the latest Id matrix
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 Profiles to be sent for audit (after receiving all information) within standard timelines that have been defined Interfacing with Compliance, Sanctions and Relationship Managers where applicable, especially on matters that involve escalation of pending and ageing profiles
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 Excellent understanding of KYC, financial regulatory environment, Global banking regulations and AML risk implications
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 Thorough understanding of legal structures of various client types: financial institutions, corporate, NBFI, Trusts, Public/Government FIs, private companies, funds, SPV etc.
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 Proven skill sets in analyzing implications of mergers and acquisitions on legal identities &amp; ownership structures of Corporate, FIs &amp; Funds
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 Experience on AML / KYC tools such as SWIFT KYC Registry, Factiva, Bankers Almanac, RDC, Internet Research, Fenergo, etc
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 Sound knowledge of financial regulatory requirements
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 Ability to interpret complex changes in regulatory guidelines and assess the impact
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 Ability to work well under pressure with a high degree of accuracy &amp; Ability to think from various angles and be proactive
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 Ensure one meets the set productivity target and Quality target month on month
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 </ul>
 
 
 
 
 
 Qualifications:
 
 
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 Minimum 2-3 Years of Customer Due Diligence / Enhance Due Diligence at a maker level (Experience in commercial banking KYC is most preferred)
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 Minimum Qualification: Graduation in Commerce/Finance or equivalent would be essential
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 Flexibility to work in different shift timings
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 Good understanding of MS office and proven skills on banking platforms
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 Excellent communication skills (Verbal &amp; Written)
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 Additional certification: ACAMS, ICA, IIBF KYC and other Financial Crime Certifications (Optional)
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 </ul>
 
 
 
 
 
 MUFG Way &ldquo;Committed to empowering a brighter future&rdquo;
 
 
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Analyst - FI KYC [T500-21410]

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