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associate support analyst [t500-21111] Jobs in House Counsel Jobs In Mangaluru India

associate support analyst [t500-21111]

credit support operations analyst

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

HSBC

<div>
 
 Some Careers Have More Impact Than Others.
 
 
 
 If you&rsquo;re looking for a career where you can make a real impression, join HSBC and discover how valued you&rsquo;ll be.
 
 
 HSBC is one of the largest banking and financial services organisations in the world, with operations in 62 countries and territories. We aim to be where the growth is, enabling businesses to thrive and economies to prosper, and, ultimately, helping people to fulfil their hopes and realise their ambitions.
 
 
 We are currently seeking an experienced professional to join our team in the role of
 
 Business Analyst
 
 
 
 
 Principal Responsibilities
 
 
 
 <ul>
 <li>
 Identify, review and analyse business processes and systems to understand design implications across Business, IT and Operations Support reengineering of processes, where process is one of the many parts of the change, and provide detailed guidance on process design (considering risk, end-to-end and cost)
 </li>
 <li>
 Support with impact assessment for change requests on design, scope, time, budget or effort on programme plan and provide accurate estimates for handling new requirements, design changes and scope
 </li>
 <li>
 Support the development of control structures and performance scorecards (KPIs) to ensure project milestones, budgets, resources and employee engagement aspirations are met, implementing mitigating actions as appropriate
 </li>
 <li>
 Work with markets/regions to understand regulatory, customer and competitive landscape
 </li>
 <li>
 Support the team by quickly familiarising new team members with the team&rsquo;s purpose and expectations
 </li>
 <li>
 Support Programme leadership in communication of strategic direction across global, regional and country structures
 </li>
 <li>
 Support and encourage constructive cross-country, cross function, and cross-business teamwork by demonstrating collaboration and taking prompt action to address any activities and behaviours that are not consistent with HSBC's diversity policy and / or the best interests of the business and its customers.
 </li>
 <li>
 Give timely, honest and constructive feedback to others
 
 
 </li>
 </ul>
 
 Requirements
 
 
 
 <ul>
 <li>
 Possess excellent Business Analyst skills
 </li>
 <li>
 Strong analytical background with a high degree of attention to detail
 </li>
 <li>
 Background working in cross-functional teams to drive requirements capture
 </li>
 <li>
 Experience in business and process analysis, change initiatives &amp; re-engineering
 </li>
 <li>
 Experience in planning and deploying both business and IT initiatives
 </li>
 <li>
 Strong knowledge of end-to-end Credit lifecycle for Wholesale customers and consumption of the business data in downstream systems/functions like Risk and Finance
 </li>
 <li>
 Knowledge of key Risk parameters such as PD, LGD &amp; EAD and use of them in risk and regulatory calculations/reporting
 </li>
 <li>
 Knowledge of the business and risk data flows , reporting metrics and reporting dashboards
 </li>
 <li>
 Knowledge of data controls , data transformation logics and data normalization
 </li>
 <li>
 Knowledge of reporting tools like Qlik or Tableau
 </li>
 <li>
 Strong interpersonal and communication skills with a proven ability to communicate effectively and confidently at all levels across the Group
 </li>
 <li>
 Challenge business intent in a constructive manner to accurately define requirements and design detailed business solution and structures
 </li>
 <li>
 Continuously look for innovative ways to improve business outcomes and add value to customers/stakeholders/colleagues
 </li>
 <li>
 Strong organizational, time management and planning skills in order to cope with multiple large-scale responsibilities
 </li>
 <li>
 Ability to build strong relationships across Business, IT and Operations
 </li>
 <li>
 Flexible and able to adapt in a fast-paced, changing environment
 </li>
 <li>
 Confident and open to challenging existing protocols and processes.
 
 
 </li>
 </ul>
 
 You&rsquo;ll achieve more at HSBC
 
 
 
 HSBC is an equal opportunity employer committed to building a culture where all employees are valued, respected and opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working and, opportunities to grow within an inclusive and diverse environment. We encourage applications from all suitably qualified persons irrespective of, but not limited to, their gender or genetic information, sexual orientation, ethnicity, religion, social status, medical care leave requirements, political affiliation, people with disabilities, color, national origin, veteran status, etc., We consider all applications based on merit and suitability to the role.&rdquo;
 
 
 Personal data held by the Bank relating to employment applications will be used in accordance with our Privacy Statement, which is available on our website.
 
 
 <ul>
 <li>
 Issued By HSBC Electronic Data Processing (India) Private LTD***
 </li>
 </ul>
</div>

Business Analyst

GoodScore

<div>
 
 
 Company Overview:
 
 
 
 GoodScore is on a mission to make financial literacy and credit access simple, actionable, and inclusive for over 150 million Indians who are credit-underserved. From starting personalized credit consulting in 2023 to now empowering over 1 million users to take control of their credit health, we are one of India&rsquo;s fastest-growing credit score &amp; credit management apps.
 
 
 We are backed by top VC funds in India, ranked among the top 10 finance apps in India, and are on the 1x to 100x journey. We&rsquo;re building a team that shares our vision of transforming how India manages credit.
 
 
 
 
 
 
 About the Role:
 
 
 
 We are looking for a dynamic and hands-on Human Resources Business Partner (HRBP) to join our growing team. This role is ideal for someone who has experience working closely with a diverse talent pool&mdash;ranging from tech to business and customer-facing teams&mdash;and thrives in a fast-paced, high-growth startup environment.
 
 
 You will be a strategic partner to both business and functional leaders, working closely to design and implement people strategies that drive performance, enhance employee experience, and align with our long-term goals.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 <ul>
 <li>
 Act as a strategic advisor and coach to managers across functions (tech, operations, business, and support).
 </li>
 <li>
 Drive key HR initiatives across the employee lifecycle including workforce planning, performance management, employee engagement, and succession planning.
 </li>
 <li>
 Build strong working relationships with leadership and employees to foster a high-performance and inclusive culture.
 </li>
 <li>
 Analyze HR data and key people metrics to support data-driven decisions and strategic workforce planning.
 </li>
 <li>
 Handle complex employee relations issues with empathy, objectivity, and confidentiality.
 </li>
 <li>
 Partner with recruitment and payroll/benefits teams to roll out programs and support seamless employee operations.
 </li>
 <li>
 Support organizational design and change management initiatives in line with business evolution.
 </li>
 <li>
 Ensure compliance with labor laws, employment regulations, and internal policies.
 </li>
 </ul>
 
 
 
 
 
 What We're Looking For:
 
 
 <ul>
 <li>
 2&ndash;3 years of experience in an HRBP or similar strategic HR role.
 </li>
 <li>
 Prior experience in early-stage or growth-stage startups is highly preferred.
 </li>
 <li>
 Exposure to managing a mix of technical and non-technical teams (engineering, product, operations, sales, support).
 </li>
 <li>
 MBA/Other Master's Program in HR.
 </li>
 <li>
 Excellent communication, stakeholder management, and conflict-resolution skills.
 </li>
 <li>
 Proactive, detail-oriented, and highly adaptable in fast-changing environments.
 </li>
 <li>
 Strong understanding of Indian labor laws and compliance requirements.
 </li>
 </ul>
 
 
 
 
 
 Why Join Us?
 
 
 <ul>
 <li>
 Work closely with the founder and core team in shaping culture and people practices.
 </li>
 <li>
 Opportunity to be part of a Series A-bound startup in one of the most exciting fintech spaces.
 </li>
 <li>
 Take ownership of strategic HR projects with real business impact.
 </li>
 <li>
 High-growth environment with fast learning and career advancement opportunities.
 </li>
 </ul>
</div>

Human Resources Business Partner

<div>
 
 Job Description
 
 
 
 Join our Bilateral Deal Setup &amp; Funding Team in Bengaluru and play a key role in commercial loan operations. As a Quality Control Analyst, you will ensure the integrity and compliance of loan transactions across multiple systems. Be part of a dynamic, high-volume environment where your attention to detail drives operational excellence
 
 
 
 Job Summary
 
 
 
 As a Quality Control Operations Analyst within the Bilateral Deal Setup &amp; Funding Team, you will review documentation and approve loan transactions on commercial loan systems for multiple Deal Set-up teams and Lines of Business. You will participate in projects assigned by the Manager and ensure all work meets daily deadlines and high-volume expectations. Your role is critical in maintaining compliance, accuracy, and efficiency across loan operations.
 
 
 
 Job Responsibilities
 
 
 
 <ul>
 <li>
 Review documentation to ensure compliance, credit, audit, and funding requirements are met
 </li>
 <li>
 Verify approved and executed documents for consistency
 </li>
 <li>
 Approve new loan bookings, renewals, and modifications on commercial loan systems
 </li>
 <li>
 Approve loan fundings, wires, payments, and rate updates
 </li>
 <li>
 Ensure all processed work adheres to established procedures
 </li>
 <li>
 Utilize multiple loan and supporting systems for quality review
 </li>
 <li>
 Communicate and clarify information with processing teams
 </li>
 <li>
 Meet service level expectations and achieve team and individual goals
 </li>
 <li>
 Participate in projects as assigned by the Manager
 </li>
 <li>
 Organize and prioritize tasks in a metrics-driven environment
 </li>
 <li>
 Adapt to best practices and seek continuous improvement
 
 
 </li>
 </ul>
 
 Required Qualifications, Capabilities, And Skills
 
 
 
 <ul>
 <li>
 Hold a college degree or possess minimum 2 years of financial services or operations experience
 </li>
 <li>
 Demonstrate strong analytical, problem-solving, and judgment skills
 </li>
 <li>
 Exhibit excellent verbal and written communication abilities
 </li>
 <li>
 Organize and prioritize work while handling multiple tasks concurrently
 </li>
 <li>
 Understand the importance of details and apply a methodical approach to tasks
 </li>
 <li>
 Work with urgency and adapt to evolving best practices
 </li>
 <li>
 Function cooperatively, sharing information and supporting team goals
 
 
 </li>
 </ul>
 
 Preferred Qualifications, Capabilities, And Skills
 
 
 
 <ul>
 <li>
 Utilize prior experience in Quality &amp; Control, Commercial Loan Booking &amp; Funding, or Loan Processing
 </li>
 <li>
 Support a teamwork-oriented environment and present a professional attitude
 </li>
 <li>
 Effectively multi-task and prioritize workloads within tight service levels
 </li>
 <li>
 Demonstrate proficiency in all MS Office programs and quickly adopt new systems
 </li>
 <li>
 Adapt to new technologies and process improvements
 </li>
 <li>
 Exhibit a commitment to continuous learning and development
 </li>
 <li>
 Manage occasional overtime as required
 
 
 </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>

Quality Control - Operations Analyst

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

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:
 
 
 <ul>
 <li>
 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.
 </li>
 <li>
 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.)
 </li>
 <li>
 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
 </li>
 <li>
 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
 </li>
 <li>
 Excellent understanding of KYC, financial regulatory environment, Global banking regulations and AML risk implications
 </li>
 <li>
 Thorough understanding of legal structures of various client types: financial institutions, corporate, NBFI, Trusts, Public/Government FIs, private companies, funds, SPV etc.
 </li>
 <li>
 Proven skill sets in analyzing implications of mergers and acquisitions on legal identities &amp; ownership structures of Corporate, FIs &amp; Funds
 </li>
 <li>
 Experience on AML / KYC tools such as SWIFT KYC Registry, Factiva, Bankers Almanac, RDC, Internet Research, Fenergo, etc
 </li>
 <li>
 Sound knowledge of financial regulatory requirements
 </li>
 <li>
 Ability to interpret complex changes in regulatory guidelines and assess the impact
 </li>
 <li>
 Ability to work well under pressure with a high degree of accuracy &amp; Ability to think from various angles and be proactive
 </li>
 <li>
 Ensure one meets the set productivity target and Quality target month on month
 </li>
 </ul>
 
 
 
 
 
 Qualifications:
 
 
 <ul>
 <li>
 Minimum 2-3 Years of Customer Due Diligence / Enhance Due Diligence at a maker level (Experience in commercial banking KYC is most preferred)
 </li>
 <li>
 Minimum Qualification: Graduation in Commerce/Finance or equivalent would be essential
 </li>
 <li>
 Flexibility to work in different shift timings
 </li>
 <li>
 Good understanding of MS office and proven skills on banking platforms
 </li>
 <li>
 Excellent communication skills (Verbal &amp; Written)
 </li>
 <li>
 Additional certification: ACAMS, ICA, IIBF KYC and other Financial Crime Certifications (Optional)
 </li>
 </ul>
 
 
 
 
 
 MUFG Way &ldquo;Committed to empowering a brighter future&rdquo;
 
 
</div>

Analyst - FI KYC [T500-21410]

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

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