Credit Risk Assessment Jobs in Bengaluru

Senior AR Associate Category: Executive | Type: Full-Time | Location: Bangalore Job Overview We are seeking a Senior AR Associate with strong expertise in Accounts Receivable (AR) and denial management. The ideal candidate will handle complex AR scenarios, ensure timely resolution of claims, and maintain high-quality standards while working closely with clients and insurance companies. Key Responsibilities Claims Resolution: Contact insurance companies to clarify denials, underpayments, and other claim-related issues. AR Management: Manage multiple denials, appeals, AR follow-ups, and refiling to ensure timely resolution. Performance Standards: Consistently meet high quality and productivity standards. Client Relations: Understand client requirements and absorb client-specific business rules and medical billing cycles. Communication: Maintain strong communication skills with a neutral accent for professional interactions. Collaboration: Work from the office and collaborate effectively with cross-functional teams. Skills & Competencies Expertise: Thorough knowledge of AR cycles, denial management, and appeals. Analytical Thinking: Strong problem-solving skills and high attention to detail. Adaptability: Ability to adapt to client-specific processes and maintain a proactive work approach. Communication: Excellent verbal and written communication skills.

Security Research Engineer Security Research Experience: 5 8 Years | Location: Bangalore | Employment Type: Full-Time About SecPod SecPod is a SaaS-based cybersecurity products company focused on prevention-first security. Our Saner Cloud platform is a unified CNAPP solution that combines AI-driven threat intelligence, automated vulnerability detection, and Cloud Security Posture Management (CSPM) to secure multi-cloud environments. Role Summary We are seeking a highly skilled Security Research Engineer to join our Security Research team. This role focuses on researching emerging cloud security threats, developing security intelligence feeds, building proof-of-concepts (PoCs) for misconfigurations, and creating automated remediation and compliance content. Key Responsibilities Threat Research: Conduct security research to develop intelligence feeds and checks with a strong emphasis on cloud security. Vulnerability & Risk Analysis: Identify and create PoCs for emerging cloud misconfigurations and security risks. Automation: Develop automation for research and validation tasks using Python or other scripting languages. Compliance & Remediation: Build remediation feeds for cloud misconfigurations and compliance benchmarks. Lifecycle Management: Manage the end-to-end lifecycle of research outputs, from initial development through production release. Required Qualifications & Skills Professional Experience: 5 8 years in security research or engineering, with at least 3 years in a senior technical role. Cloud Infrastructure: Hands-on experience with AWS, Azure, or GCP. Technical Fundamentals: Strong understanding of operating systems, networking, and computer science security. Programming: Proficiency in languages such as Python, C, C++, or Java. Environment Expertise: Experience across Linux/Unix, Windows, and virtualization environments. Compliance: Solid knowledge of cloud security and security benchmark compliance. Education Bachelor s degree (or equivalent) in Computer Science or a related field. Qualification : Bachelors degree (or equivalent) in Computer Science or a related field

Position: Senior Associate Legal Location: Bengaluru Employment Type: Full-Time About Zolve Zolve is the world s first **cross-border neo-bank**, enabling migrants and global citizens to access financial products credit, checking accounts, insurance, and loans based on their home-country credit score. By breaking geographic boundaries, Zolve empowers users to navigate financial systems across countries seamlessly. As Zolve expands, we are seeking a Senior Associate Legal to provide legal support for our partner ecosystem and internal business operations. Role Overview The Senior Associate Legal will support Zolve s business teams by **drafting, reviewing, and negotiating contracts**, advising on cross-border legal and regulatory matters, and ensuring compliance with applicable laws. This role is ideal for a proactive, adaptable legal professional with a **startup mindset** who can balance legal expertise with fast-paced business needs. Key Responsibilities Contracting & Legal Advisory **Draft, review, and negotiate** a wide variety of agreements, including SaaS, IT services, IP licenses, collaboration, staffing, marketing, hardware, and NDAs. Advise business teams on key legal and regulatory matters, aligning inputs with strategic growth priorities. Provide support on contract disputes, **dispute resolution, and litigation** where required. Cross-Border Compliance Advise on **cross-border legal and regulatory matters**, including **data protection, FEMA, RBI guidelines**, and other applicable financial regulations. Gain exposure to international contracting frameworks, particularly across **APAC and EU regions**. Stakeholder Engagement Collaborate with senior leadership and business teams to ensure legal inputs are **practical and aligned with business objectives**. Support risk assessment, due diligence, and compliance initiatives. Qualifications Education: **Bachelor s degree in Law (LLB)** or equivalent. Master s degree or professional certification (e.g., Bar Admission) preferred. Experience: **2 5 years of post-qualification experience**. Experience in **fintech, financial services, or technology sectors** preferred. In-house counsel or top-tier law firm background is advantageous. Exposure to APAC or EU contracting frameworks is desirable. Skills & Competencies: Strong **drafting, negotiation, and risk assessment skills**. Knowledge of **financial regulations, data protection, and corporate governance**. Excellent research, analytical, and communication skills. Ability to manage multiple priorities independently. **Startup mindset**: proactive, adaptable, outcome-driven, and eager to learn. High ethical standards and professional integrity. Qualification : Bachelors degree in Law (LLB) or equivalent

Finance Executive Location: Bengaluru Employment Type: Full-time About Us Exotel is one of Asia's largest customer communication platforms. Our mission is to move enterprise customer communication to the cloud. In 2020, we powered over 4 billion calls and connected more than 320 million people. We work with innovative companies like Ola, Swiggy, Zerodha, Whitehat Jr, Practo, Flipkart, and GoJek, as well as top banks across the country. Join us in transforming how companies manage and engage with customers. What We Look For We are looking for a Finance Executive with a strong background in revenue accounting, invoicing, contract validation, and ERP systems. If you have experience in contract management and a strong understanding of sales CRM, we would love to hear from you. Ideal Candidate Education: B.Com or MBA in Finance Experience: 2-4 years in revenue/invoicing accounting, contract validation, and financial operations. Skills: Proficiency with Sales CRM and ERP systems Strong academic foundation in finance or accounting Detail-oriented with strong analytical skills Ability to work under pressure with tight deadlines Strong communication skills for regular business interaction What You Will Do As a Finance Executive, you will be responsible for ensuring that all contracts, bill plans, and customer creation activities are validated and accurate. Your work will directly impact the financial integrity of the organization. Key responsibilities include: Contract Validation: Ensure that all customer records in the system have valid contracts and the most up-to-date billing plans. Confirm contract terms align with billing plans for each customer. Bill Plan Validation: Ensure bill plans are validated in the CRM before customer approval and billing processing. Customer Creation: Approve new customer accounts after confirming all contract and billing information is valid. Credit Approval: Verify the requirements for credit approval and approve changes as necessary, based on contract validation and internal checks. Changes to Bill Plans: Approve any changes to customer billing plans after ensuring the correct contract and customer validation. Internal Controls: Ensure strong internal controls (IFC) are followed for financial operations, and ensure compliance with company standards. Collaboration: Work closely with the business team to resolve any issues, escalations, or discrepancies related to billing and contracts. Establish and maintain a regular cadence with the business teams to ensure smooth operations. Innovative Work Environment: You ll be part of a fast-growing company working with some of the largest names in the industry, building next-gen customer communication tools. Career Growth: At Exotel, we believe in investing in your personal and professional growth with opportunities for career development and skill enhancement. Dynamic Culture: We are a collaborative and inclusive team that encourages innovation, transparency, and ownership. If you're excited to be part of a dynamic, fast-growing team at Exotel and you have the right experience and skills for the role, apply now! We look forward to having you on our team. Qualification : B.Com or MBA in Finance

Collections Executive Location: Bengaluru Employment Type: Full-Time About Zolve Welcome to the financial frontier of limitless possibilities welcome to Zolve. We re not just a fintech; we re architects of a financial revolution that transcends borders. As the world s first cross-border neo-bank, Zolve empowers global citizens, migrants, and nomads to access credit and financial services in new countries using their home country credit scores. Our seamless financial products including checking accounts, credit cards, loans, remittances, and insurance help users achieve financial freedom and pursue their ambitions without geographical limits. As we expand into new geographies, product lines, and customer segments, we re looking for a Collections Executive to join our growing team. Role Overview As a Collections Executive at Zolve, you will play a vital role in recovering overdue payments for US-based credit card accounts. You ll engage directly with customers, apply strong negotiation skills, and ensure compliance with US regulations to resolve delinquent accounts efficiently and empathetically. Key Responsibilities Collections Management Manage a portfolio of delinquent US credit card accounts. Contact customers via phone, email, and other channels to recover overdue payments. Negotiate payment plans or settlements within company guidelines. Account & Data Management Maintain accurate and up-to-date records of collection activities and outcomes. Identify accounts requiring escalation or legal intervention and coordinate with relevant teams. Regulatory Compliance Conduct collection activities in strict accordance with US regulations, including the Fair Debt Collection Practices Act (FDCPA). Handle sensitive customer data responsibly and maintain data protection standards. Customer Service Respond professionally to customer queries and concerns related to their credit card accounts. Educate customers on repayment options and potential consequences of non-payment. Performance & Reporting Meet or exceed monthly collection targets and KPIs. Prepare and submit reports on collection progress, payment trends, and account status. Qualifications Education Bachelor s degree in Finance, Business, or a related field. Experience 3 to 6 years of experience in collections, preferably within consumer credit products such as credit cards, personal loans, education loans, auto loans, or home loans. Proven track record of developing and implementing effective debt recovery strategies to minimize losses. Technical Skills Strong knowledge of various collection techniques and debt recovery best practices. Familiarity with MS Office, data interpretation, and collection databases. Experience with alternate collection channels and tools. Soft Skills Excellent communication and interpersonal skills. Empathy and the ability to engage customers respectfully and professionally. Strong problem-solving and critical-thinking abilities. Be part of a mission-driven company redefining global finance. Work in a fast-growing startup environment with exciting challenges. Collaborate with passionate and diverse teams. Opportunity to make a real impact in a pioneering fintech company. Qualification : Bachelors degree in Finance, Business, or a related field

Functional Safety Engineer Location: Bangalore Experience: 3 6 Years Education: B.E / B.Tech / M.E / M.Tech in Electronics, Electrical, Computer Science, or a related field Job Summary We are seeking a skilled and motivated Functional Safety Engineer to join our automotive embedded systems team. The ideal candidate will have hands-on experience with ISO 26262, strong embedded C programming knowledge, and a solid understanding of the software development lifecycle. This role is critical in ensuring that all safety-critical systems are developed in compliance with industry safety standards and regulations. Key Responsibilities Develop and maintain the Functional Safety Management System (FSMS) in line with ISO 26262 standards. Conduct hazard analysis and risk assessments (HARA) for automotive embedded systems. Define, allocate, and manage functional and technical safety requirements across hardware and software components. Support and guide development teams in achieving ASIL (Automotive Safety Integrity Level) compliance. Collaborate with hardware and software teams to ensure safety mechanisms are implemented and validated effectively. Prepare and maintain safety-related documentation, including Safety Plans, Safety Cases, and Safety Analyses (FMEA, FTA, DFA, etc.). Ensure traceability of safety requirements throughout the SDLC, using appropriate tools and processes. Participate in reviews, audits, and assessments to ensure continuous compliance with ISO 26262. Support safety validation and verification activities. Required Skills & Experience 3 6 years of experience in Functional Safety Engineering, with a minimum of 2+ years working specifically with ISO 26262. Proficient in Embedded C programming, with exposure to real-time embedded systems. Strong understanding of the Software Development Life Cycle (SDLC) in safety-critical environments. Good analytical and problem-solving skills. Effective communication and collaboration skills to work with cross-functional teams. Preferred / Added Advantage Experience in the automotive domain (e.g., ADAS, powertrain, or body control modules). Familiarity with automotive communication protocols (CAN, LIN, FlexRay). Exposure to toolchains like DOORS, Polarion, or Jama for requirement and safety management. Knowledge of complementary standards such as ISO 21434 (Cybersecurity) or IEC 61508. Work on innovative and safety-critical projects for global automotive clients. Opportunity to deepen your expertise in functional safety and ISO 26262. Collaborate with a high-caliber team in a technically driven environment. Competitive compensation, learning opportunities, and career advancement paths. Qualification : .E / B.Tech / M.E / M.Tech in Electronics, Electrical, Computer Science, or a related field

Associate Credit Operations Job Type: Full-Time Category: Operations Location: Bangalore About Bright Bright is a consumer fintech company dedicated to helping Americans get out of debt using advanced data science and machine learning. Our mobile app integrates all the tools needed for managing and eliminating debt covering credit score building, automated debt paydown plans, financial and budget planning, and loan refinancing across credit cards, student loans, and car loans. With 300,000+ users, 6x growth in the last year, and over 100,000 ratings and reviews, Bright is one of the fastest-growing fintech platforms in the U.S. Supported by top venture capital firms like Sequoia, Falcon Edge, and Hummingbird, Bright has raised over $40 million in funding, including a recent $50M debt financing from Encina Lender Finance. Bright is ranked among the top 8 U.S. fintech companies and is poised to become a top-100 financial institution by leveraging data science and predictive modeling. We are proud to be building the first large-scale consumer tech company from India for global markets. About Our Founders Bright was founded in 2019 by industry veterans from McKinsey s Banking Practice and data scientists from InMobi: Petko Plachkov, Avi Patchava, Varun Modi, Avinash Ramakath, and Jayashree Merwade. Role Overview As an Associate Credit Operations professional, you will play a crucial role in assessing creditworthiness, supporting loan underwriting and approval, and ensuring smooth credit operations. You will work closely with cross-functional teams to monitor credit metrics, facilitate collections, and drive improvements in operational efficiency. Key Responsibilities Conduct thorough creditworthiness assessments following company policies and guidelines. Review customer profiles and credit applications against underwriting standards. Manage loan approval processes and support decision-making with sound judgment. Utilize collection systems to assist in managing delinquent accounts and dues recovery. Monitor and report on credit-related performance metrics regularly. Handle customer conflicts and disputes with a strong customer-centric approach. Investigate customer requests by gathering relevant data and exploring all information sources. Identify opportunities for process improvements to increase efficiency and effectiveness. Collaborate with teams to ensure compliance with credit policies and regulatory requirements. 1-2 years of experience in credit assessment, underwriting, or a related role. Strong understanding of credit product workflows and end-to-end process flows. Familiarity with credit risk assessment principles and banking domain knowledge. Knowledge of the U.S. credit environment and regulatory framework is a plus. Excellent verbal and written communication skills. High analytical and investigative capabilities. Ability to manage credit-related metrics and performance indicators. Strong negotiation, interpersonal skills, and ability to handle conflicts diplomatically. Join a fast-growing fintech startup backed by leading investors. Gain exposure to credit operations and risk management in a global context. Work alongside experienced professionals passionate about transforming consumer finance. Opportunity to grow within a dynamic, collaborative environment.

Job Title: Information Security Engineer Location: Bengaluru Company: Altisource (NASDAQ: ASPS) About Altisource At Altisource, we develop cutting-edge technologies and services for the mortgage and real estate industry. We re a trusted partner to 7 of the top 10 U.S. mortgage servicers, operate one of the leading real estate auction platforms, and support a cooperative with over 15% market share in the $1.8 trillion U.S. originations market. If you're passionate about cybersecurity and want to make an impact in a high-growth, tech-driven environment this is the role for you. Position Summary We re looking for a highly motivated Information Security Engineer to support our growing security operations. You will play a vital role in identifying and mitigating security risks across applications, systems, and networks. This role involves vulnerability assessments, code reviews, and automation of security tasks ensuring Altisource remains secure and compliant in a fast-paced environment. Key Responsibilities Conduct vulnerability assessments on applications, networks, and systems. Perform manual verification to reduce false positives and validate security fixes. Communicate identified vulnerabilities and recommend remediation steps to internal teams. Perform secure code reviews and assist development teams in fixing identified issues. Identify and mitigate risks throughout the software development lifecycle. Leverage commercial and open-source tools for vulnerability detection (e.g., Qualys, Nessus, Burp Suite). Assist in internal penetration testing initiatives. Develop internal tools and automate security tasks, leveraging AI where applicable. Stay updated on the latest threats, tools, and best practices in cybersecurity. Create detailed assessment reports and present findings to technical and non-technical stakeholders. Train and mentor team members on vulnerability management processes and tools. Required Qualifications Bachelor s degree in Computer Science, Engineering, or a related field. 3 to 5 years of hands-on experience in information security or related roles. Relevant certifications such as CEH, GIAC, or similar. Solid experience in: Network vulnerability assessments Application scanning and secure code review Windows, Linux, and Unix operating systems Familiarity with OWASP tools, methodologies, and security best practices. Strong communication skills both written and verbal. Preferred Skills Experience with tools like: Qualys, Nessus, Nexpose, SAINT Burp Suite Pro, HP WebInspect Static analysis tools (e.g., IBM AppScan Source, Fortify) Proficiency in one or more programming languages: Java, C, C++, .NET (C#, VB). Experience delivering training or presenting technical content to teams. Background in technical writing or web development is a plus. Be part of a team securing technologies used by top players in the mortgage and real estate space. Work with modern tools and frameworks. Enjoy a collaborative environment that supports innovation, growth, and learning. Qualification : Bachelors degree in Computer Science, Engineering, or a related field

Position: Senior Manager / Associate Director Risk & Compliance Location: Bengaluru Employment Type: Full-Time Department: Risk & Compliance Role Overview: Cashfree Payments is looking for a seasoned professional to join as Senior Manager / Associate Director Risk & Compliance. This leadership role focuses on developing and implementing strong policies and frameworks to manage financial crime risks such as Anti-Money Laundering (AML) and fraud prevention, while ensuring compliance with regulatory mandates. The role also includes handling inquiries from law enforcement agencies and banks, managing merchant dues recovery, and overseeing regulatory change implementation. Key Responsibilities: Policy Development & Oversight: Develop, enhance, and oversee comprehensive policies and procedures for financial crime risk management, including AML, fraud detection, and prevention strategies. Ensure product-level interventions align with risk mitigation goals. Relationship Management: Manage relationships with banking partners from a risk and compliance perspective. Ensure adherence to VISA, RBI, and NPCI guidelines. Risk Management: Strengthen preventive and detective controls to effectively mitigate financial crime risks within Cashfree Payments ecosystem. Regulatory Compliance: Monitor and ensure full compliance with applicable laws, regulations, and guidelines by implementing necessary process and policy updates. Monitoring & Reporting: Establish and maintain monitoring frameworks for suspicious activities and ensure timely reporting to regulatory authorities and internal stakeholders. Team Leadership: Lead and mentor the financial crime risk team, fostering a strong culture of compliance and risk awareness across the organization. Qualifications & Experience: Bachelor s or advanced degree in Law, Finance, Business Administration, or a related field. 8-10 years of relevant experience in policy development, fraud strategy, and financial crime risk management within fintech or financial services sectors. In-depth understanding of Indian regulatory frameworks related to financial crime and compliance. Exceptional stakeholder management skills, with proven ability to engage effectively with regulators, internal tech/product teams, and banking partners. Strong analytical skills with a data-driven approach to decision-making. Demonstrated leadership experience in managing cross-functional teams and driving organizational change initiatives. Qualification : Bachelors or advanced degree in Law, Finance, Business Administration, or a related field

Job Title: Manager - Data Analytics, Credit Card Portfolios Location: Bangalore Employment Type: Full-time About Zeta: Zeta is a next-gen banking technology company empowering banks and fintechs to build the future of financial products. Founded in 2015 by Bhavin Turakhia and Ramki Gaddipati, Zeta s flagship platform Zeta Tachyon is a cloud-native, fully API-enabled banking stack powering issuance, processing, lending, core banking, fraud & risk, and more. Over 20 million cards have been issued globally through our platform. With 1,700+ employees across the US, EMEA, and Asia and 70%+ in R&D, Zeta is backed by SoftBank, Mastercard, and others, having raised $330M at a $2B valuation in 2025. We work with leading banks and fintechs worldwide to transform multi-million card portfolios. Role Overview: We are looking for a strategic and experienced Manager - Data Analytics to lead business intelligence and enterprise reporting for global fintech portfolios including Credit Cards, Deposits, and other financial products. This role involves managing a team of analysts, leveraging multiple data lakes and warehouses, and building a scalable, comprehensive reporting framework for diverse markets including the US, UK, and India. Key Responsibilities: Enterprise Reporting & Data Architecture: Design and maintain end-to-end reporting across the customer lifecycle: acquisition, activation, usage, delinquency, collections, retention, operations, and support. Deliver accurate analysis of key financial KPIs: revenue, profitability, credit risk, defaults, acquisition cost. Build dashboards, self-service BI tools, and automated pipelines using Apache Superset, Metabase, Tableau. Optimize data storage and reporting for scalability and cost-efficiency. Data Integration & Analytics Execution: Collaborate with vendors and internal engineering to integrate data from credit bureaus, open banking, core banking, card and payment processors, loan origination, CCaaS, and aggregators into a centralized Data Lake. Business Intelligence & Growth: Lead analytics projects to uncover user behavior, optimize acquisition channels, underwriting, and portfolio performance via segmentation, cohort, and funnel analyses. Partner with Product and Marketing teams to evaluate experiments (A/B testing) and guide roadmap decisions. Leadership: Build, mentor, and lead a high-performing team of BI analysts and data visualization experts. Data Governance: Establish and enforce data governance best practices, ensuring compliance and data security. Skills & Experience: Expert in BI tools such as Apache Superset, Metabase, Tableau; strong SQL skills. Familiarity with cloud data platforms like Snowflake, Redshift, BigQuery. Deep knowledge of credit and fintech KPIs: acquisition, credit decisioning, delinquency, repayment, charge-offs, profitability, RoA, CLTV, etc. Proven leadership experience managing analytics teams and scaling reporting infrastructures. Excellent communication skills with the ability to translate complex data into business strategies. Knowledge of data governance, privacy, and security in financial services. Qualifications: 10+ years in Business Intelligence/Analytics with 3+ years in the credit card industry. 3+ years managing teams of analysts or data professionals. Bachelor s degree in Computer Science, Engineering, Statistics, or a related field. Equal Opportunity: Zeta celebrates diversity and is an equal opportunity employer. We are committed to fostering an inclusive environment and encourage candidates from all backgrounds to apply. Qualification : Bachelors degree in Computer Science, Engineering, Statistics, or a related field

Position: Manager Risk Containment Unit (RCU) Department: Prevention B2C Location: Pune Experience Required: 1 2 years Minimum Qualification: Graduate or Postgraduate (Any discipline) Job Overview: This position is with Bajaj Finance Ltd. We are seeking a sharp, detail-oriented professional to manage risk and fraud prevention for our Payments business, specifically focusing on our Acquiring QR portfolio. The role spans the full risk lifecycle from onboarding assessments to transaction and portfolio monitoring ensuring early fraud detection and swift risk mitigation. Key Responsibilities: Take complete ownership of risk and fraud management for the Acquiring QR business Conduct thorough onboarding risk checks, ongoing transaction monitoring, and portfolio surveillance Perform daily reviews of risk-triggered cases based on transaction patterns, business verifications, and merchant calls Update internal systems with actions taken and maintain accurate records Generate daily, weekly, and monthly reports highlighting trends, anomalies, and operational efficiency Collaborate with business, operations, and data teams to improve fraud controls and enhance process effectiveness Recommend improvements to risk mitigation strategies based on real-time data and fraud patterns Key Decision Areas: Assess merchant risk based on transaction behavior and documentation Make decisions regarding merchant deactivation/reactivation based on risk evaluations Major Challenges: Achieving 100% monitoring accuracy with zero tolerance for error Responding to fraud situations with agility and decisive action Continually optimizing the process for better risk containment and operational efficiency Required Qualifications & Skills: Education: Graduate or Postgraduate in any discipline; understanding of the payments business is a strong advantage Experience: 1 2 years of experience in risk operations, document verification, or calling roles within NBFCs or banks Proficiency in Advanced Excel for data analysis and reporting Familiarity with Salesforce (SFDC) is essential Strong analytical and decision-making skills Attention to detail and ability to handle high-pressure situations with composure Qualification : Graduate or Postgraduate (Any discipline)

Assistant Risk Modelling Manager Location: Bengaluru Department: Risk & Modelling About OneSavings Bank (OSB) Group OneSavings Bank (OSB) Group is a specialist lending and retail savings group listed on the London Stock Exchange and a member of the FTSE 250. Headquartered in Chatham, Kent, OSB is regulated by the Prudential Regulation Authority and the Financial Conduct Authority. OSB focuses on niche lending markets offering high growth and strong risk-adjusted returns, including: Buy-to-Let and commercial mortgages Residential development finance Specialist residential lending and secured funding lines We operate under trusted brands such as Kent Reliance, CCFS, InterBay Commercial, Prestige Finance, and Heritable Development Finance. Retail savings are primarily sourced through Kent Reliance via branches, online, and postal channels. Our offshore delivery and support operations are handled by OSB India, with offices in Bengaluru and Hyderabad. About OSB India Pvt Ltd OSB India, a wholly owned subsidiary of OSB Group, plays a critical role in delivering operational and customer support services. Since 2004, OSB India has focused on service excellence, process efficiency, and continuous improvement for the group s UK operations. Role Overview As the Assistant Risk Modelling Manager, you will support capital and impairment reporting, provide deep data insights, and contribute to strategic projects. This role involves analysis, stakeholder collaboration, and ensuring regulatory and internal compliance. Key Responsibilities Lead and support monthly IFRS9 impairment and IRB RWA reporting with trend analysis and insights Provide analytics to support collections and help define operational priorities Drive and deliver strategic projects, managing timelines and stakeholders Assist with IFRS9 engine code changes, conduct impact assessments, and challenge trends Identify process and model weaknesses and develop mitigating solutions Produce clear, insightful commentary for credit and audit committees, including regulatory teams Ensure compliance with model execution and operational risk requirements Maintain adherence to Finance, Risk Management, and Data Governance Policies Build strong working relationships with UK stakeholders and capture clear requirements Complete all mandatory compliance training and attestations Experience Required Minimum 7+ years in a related role in retail or mortgage finance Extensive hands-on experience in SAS, SQL, and advanced Excel Proven ability to generate and present detailed analytical and reporting outputs Experience with impairment/capital modelling processes (preferred) Comfortable managing priorities, leading tasks, and collaborating with international teams Technical & Functional Skills Expert in SAS and SQL for data analysis and reporting Working knowledge of IFRS9 (impairment) or IRB (capital) frameworks Understanding of probability/statistics in a financial risk context (preferred) Core Competencies Strong analytical thinking and problem-solving skills Effective communication skills, both written and verbal Ability to deliver clear, actionable reports to senior stakeholders Self-motivated with a proven ability to learn new technical skills and tools This role is an exciting opportunity to work at the intersection of data, risk, and strategy within a dynamic and growing financial group. If you have a strong analytical mindset and are looking to influence real business decisions, we'd love to hear from you.

Job Title: Senior Manager Projects Location: Bangalore Department: Projects Experience: 12 to 15 years Education: BE in Civil Engineering; Master s degree preferred (Construction Management / Project Management) Key Role Lead the planning, execution, and delivery of multiple construction projects, ensuring they are completed on time, within scope, and within budget. Oversee project teams, coordinate with stakeholders, and ensure compliance with quality, safety, and regulatory standards. Key Responsibilities Lead end-to-end project management across multiple sites, from initiation to handover. Develop detailed project plans, define scope, allocate resources, and track progress. Liaise with architects, consultants, contractors, and internal teams to ensure alignment and timely decision-making. Monitor project timelines, budgets, and resource utilization, ensuring adherence to defined goals. Oversee quality assurance, safety protocols, and regulatory compliance on all sites. Provide strategic input on design optimization, cost control, and risk mitigation. Review project documentation including BOQs, tender packages, work orders, and progress reports. Lead, mentor, and manage on-site teams and junior project managers. Report regularly to senior leadership with project updates, risks, and mitigation plans. Qualifications & Skills BE in Civil Engineering; Master s in Construction Management or related discipline is preferred. 12 to 15 years of experience in managing medium to large-scale construction or real estate projects. Strong leadership, team management, and stakeholder coordination skills. Proficient in project management tools (MS Project, Primavera, etc.) and Microsoft Office. Deep understanding of construction methodologies, contracts, procurement, and regulatory compliance. Excellent communication, problem-solving, and decision-making abilities. Qualification : BE in Civil Engineering; Masters degree preferred (Construction Management / Project Management)

Position: Assistant Manager - Risk Location: Bengaluru About Groww At Groww, we are a passionate team dedicated to making financial services accessible to every Indian. Through our multi-product platform, we help millions of customers take control of their financial journeys. Customer obsession is at the heart of everything we do. From every product design to each algorithm, we focus on delivering the best experience, making financial services simple, transparent, and convenient. Our values include ownership, customer-centricity, and integrity. We believe in constantly challenging the status quo to drive meaningful change. Our Vision We aim to empower every individual with the knowledge, tools, and confidence to make informed financial decisions. Groww s long-term vision is to be India s most trusted financial partner, offering innovative financial solutions across various services. Our Core Values Radical Customer Centricity Ownership-Driven Culture Simplicity Long-Term Thinking Complete Transparency About the Role We re looking for a highly motivated Risk Manager to join our team and play a crucial role in overseeing the development and implementation of the operational risk management framework across the organization. In this role, you will collaborate with cross-functional teams, senior leadership, and external stakeholders to identify, assess, and mitigate risks effectively. The ideal candidate will have a strong problem-solving mindset, excellent analytical skills, and a proven track record of managing risk in a result-oriented environment. As a Risk Manager, you will contribute to shaping a robust risk culture and ensuring smooth operations within the organization. Key Responsibilities: Risk Identification & Assessment: Perform risk identification and assessments across various functions, and recommend process changes to mitigate operational risks. Cross-Functional Collaboration: Work closely with teams like Credit, Risk, Compliance, and Technology to implement effective risk mitigation strategies. Monitoring & Reporting: Track and analyze key risk indicators, and provide regular updates to management and stakeholders. Risk Committee Coordination: Lead and orchestrate Monthly Risk Committee meetings, providing insightful reports to senior leadership and key stakeholders. Incident Management: Examine reported incidents and validate the implementation of corrective and preventive actions. Audit Coordination: Collaborate with internal audit teams to align risk management efforts with audit activities. Root Cause Analysis: Conduct root cause analysis (using methods like 5 Whys, Fishbone, etc.) to identify corrective and preventive actions. Risk Awareness & Training: Conduct training sessions to promote risk awareness and adherence to risk management practices across the organization. Required Skills & Expertise: Experience: 2-5 years of experience in operational risk management, preferably within the financial industry. Risk Assessment & Mitigation: Deep knowledge of risk assessment methodologies and risk mitigation strategies. Regulatory Knowledge: Clear understanding of regulatory requirements related to risk management. Audit Knowledge: Familiarity with auditing principles and standards (e.g., ISO, CMMI). Problem-Solving: Strong analytical skills and the ability to solve complex problems with a detail-oriented approach. Communication Skills: Excellent interpersonal and communication skills to collaborate with senior leaders, cross-functional teams, and external stakeholders. Ownership & Responsibility: A high level of accountability and ownership in driving initiatives to completion. Qualifications: Educational Background: Graduate degree (CA, MBA from a Tier 1 Institute preferred). Technical Skills: Strong proficiency in Excel (knowledge of SQL will be an added advantage). Certifications (Preferred): Knowledge of internal and external audit standards like ISO, CMMI, etc. Impact: Shape the future of risk management in one of India s fastest-growing financial services platforms. Growth Opportunities: Take ownership of key risk management projects and contribute to the company s overall strategy. Culture: Work in a collaborative, transparent, and innovative environment where your contributions are valued. If you're passionate about risk management and want to make a significant impact in a fast-growing fintech company, we d love to hear from you. Qualification : Graduate degree (CA, MBA from a Tier 1 Institute preferred)

Cyber Security Analyst Bangalore, India Location: Bangalore (Bengaluru) Experience: 4 to 12 Years Industry: IT Security / Cybersecurity Job Summary: We are seeking a highly skilled Cyber Security Analyst with advanced knowledge in cybersecurity principles, risk assessment, and threat prevention. The ideal candidate will have hands-on experience with security tools, network defense, vulnerability assessments, and malware analysis to safeguard our organization s digital assets. Key Responsibilities: Analyze and mitigate cyber and IT security risks using advanced techniques and best practices Conduct vulnerability assessments and penetration testing across networks, platforms, and applications Utilize scripting and programming languages such as Python, PowerShell, Perl, HTML, and JavaScript for automation and security analysis Monitor network security devices including firewalls, proxies, NIDS/NIPS, and respond to security incidents Perform dynamic and static malware analysis and memory forensics to identify and counter threats Conduct reverse engineering of malware and apply countermeasures based on adversary tactics and protocols Apply in-depth knowledge of network protocols, network security monitoring, and incident response Ensure compliance with security standards and frameworks Collaborate with cross-functional teams to implement security improvements and ensure robust defense mechanisms Required Skills & Qualifications: Minimum 4+ years of professional experience in cybersecurity or related IT security roles Advanced understanding of cyber threats, risk management, and prevention techniques Proficiency in security system analysis, network security, and vulnerability assessment tools Experience with malware analysis, penetration testing, and reverse engineering Strong programming/scripting skills in Python, PowerShell, Perl, or similar languages In-depth knowledge of security standards, protocols, and industry best practices Hands-on experience with network security monitoring and defense technologies Preferred Certifications: Technical cybersecurity certifications from recognized bodies such as SANS, ISACA (CISA, CISM), (ISC) (CISSP), CompTIA Security+, Cisco (CCNA Security), CERT, or equivalent Work in a challenging role protecting critical digital infrastructure Collaborate with a talented cybersecurity team to combat evolving threats Access to continuous learning, professional development, and certification opportunities

Senior Security Specialist Location: Bengaluru, Karnataka, India Employment Type: Full-time About Serko: Serko is a leading tech platform revolutionizing global business travel and expense technology. Joining Serko means becoming part of a passionate team of travelers and technologists dedicated to transforming the business travel marketplace. With offices worldwide and a new hub in Bengaluru, we embrace diversity and authenticity to create meaningful impact. Our fast-growing India team seeks motivated professionals to help build world-class products and experiences. Role Overview: We are looking for a highly skilled Senior Security Specialist with a strong software engineering and DevSecOps background. This role will lead security initiatives, manage risks, oversee security operations, ensure compliance, and report to senior management. You will work closely with agile development teams to embed security throughout the software development lifecycle, driving robust, scalable security solutions. Key Responsibilities: Lead integration of security practices into the DevOps lifecycle, embedding security into software development and deployment pipelines. Collaborate with development and operations teams to identify and mitigate security risks across applications, infrastructure, and pipelines. Implement and maintain security automation and orchestration tools to improve security posture and operational efficiency. Identify, assess, and manage security risks; develop and implement mitigation strategies. Oversee daily security operations, including monitoring, incident response, and threat intelligence. Ensure compliance with security policies and external standards such as PCI-DSS and SOC2. Prepare and present detailed security reports to senior management, highlighting risks and mitigation plans. Lead security awareness campaigns to educate employees on emerging threats and best practices. Stay current on emerging security technologies and trends, particularly in Azure security and DevSecOps. Evaluate and recommend security tools and solutions to enhance the organization's security posture. Qualifications & Experience: 5+ years in a senior security role focused on Security Operations, Risk Management, and Compliance within software engineering environments. Deep understanding of security attack and defense methods; hands-on experience with ethical hacking tools preferred. Proven experience with DevSecOps tools such as SAST and DAST. Expertise in Microsoft security products including Azure Security Center, Defender, Azure AD, and Sentinel. Relevant certifications such as CISSP or equivalent highly preferred. Excellent communication, presentation, and documentation skills. Strong team collaboration and leadership skills. Bachelor s degree in Computer Science, Cybersecurity, or related field; certifications may substitute for degree. What We Offer: Competitive base salary and discretionary incentive plan based on individual and company performance. Access to learning and development platforms to own your career growth. Comprehensive family medical coverage, meal coupons, transport allowances, and mobile & internet reimbursement. Flexible work policies supporting work-life balance. An engaging environment with great tools, support, and opportunities to innovate and deliver high-quality results. Qualification : Bachelors degree in Computer Science, Cybersecurity, or related field; certifications may substitute for degree.

Sr. Credit Manager (Underwriting) Location: Bengaluru, India Employment Type: Full-Time Experience: 4 8 Years About OXYZO Financial Services Ltd. OXYZO Financial Services Ltd., part of the OfBusiness Group, is a fast-growing Fintech NBFC specializing in B2B lending for SMEs and Emerging Corporates. Headquartered in Gurugram, with a presence in 20+ cities across India, OXYZO has built a robust financial portfolio with 8,000 Cr AUM and 300 Cr PAT, backed by marquee investors including Creation Investments, Matrix Partners, Norwest, Tiger Global, and Alpha Wave. Role Overview We are seeking a dynamic and detail-oriented Sr. Credit Manager (Underwriting) to lead credit evaluation and risk analysis for SME and corporate loan proposals. Based out of Bengaluru, you ll play a pivotal role in credit appraisal, policy adherence, and risk mitigation across unsecured and secured lending. Key Responsibilities Underwrite and Appraise credit proposals in line with internal policies and turnaround time (TAT). Conduct deep-dive Financial Analysis, including P&L, balance sheet, ratio, and cash flow assessments. Perform Banking Analysis: identify anchors, repayment trends, credit behavior, and working capital cycles. Lead Personal Discussions (PDs) to assess borrower intent, business viability, and ground-level insights. Review Statutory Filings: Analyze GST returns, tax filings, and potential liquidity issues. Execute Legal & Background Checks to identify red flags or compliance issues. Recommend loan approval/rejection decisions based on merit, data, and risk perception. Collaborate with Sales, Risk, Operations, and Cross-sell Teams to facilitate end-to-end case closure and business enablement. Perform Portfolio Analysis to identify risk trends, exposure limits, and policy recommendations. Candidate Profile Educational Background: Strong academic credentials in Finance, Accounting, or Business. Experience: 4 8 years in Credit Underwriting, preferably in SME Lending, NBFC, or Commercial Banking. Strong analytical, judgmental, and communication skills. Highly self-driven, agile, and capable of working in a fast-paced, target-driven environment. Fluency in English and Kannada. Comfortable with field-level due diligence and travel as needed. Fast-Track Career Growth Step into high-impact, decision-making roles early in your journey. Ownership & Autonomy Take full charge of credit decisions and business outcomes. Exceptional Peer Group Work with some of the smartest minds in fintech and lending. High-Impact Work Shape credit strategy for underserved and high-potential SME segments. Competitive Pay Attractive compensation structure with performance-linked rewards. Culture That Thrives A high-energy, mission-driven workplace.

Job Title: Tax Analyst Location: Bangalore, India Reports to: Finance Delivery Manager - Transactional Company: ABB Company Overview: At ABB, we are dedicated to addressing global challenges through our core values: care, courage, curiosity, and collaboration. We strive to foster diversity, inclusion, and equal opportunities, empowering everyone to create sustainable solutions. Join us and help write the next chapter of your ABB story. Role Summary: As a Tax Analyst at ABB, you will be part of the Tax function, executing back office and administrative activities aligned with ABB's strategies, policies, and procedures. Your role will contribute to various projects and initiatives, including tax transfer pricing documentation, tax returns preparation, and project risk reviews. You will play a key part in ensuring VAT/Indirect Tax compliance and driving automation for tax-related processes. Key Responsibilities: VAT/Indirect Tax Compliance and Reporting: Ensure VAT/Indirect Tax transactional compliance and reporting is accurate and timely, while addressing any process errors and corrections in tax filings. Tax Return Preparation: Prepare and file tax returns in various jurisdictions, ensuring compliance with local tax regulations. Address issues arising from incorrect tax filings and recommend solutions. Tax Solutions & Automation: Initiate and implement tax solutions that enhance automation and improve the quality of tax filings. Support Tax Audits & Ad-Hoc Matters: Support tax audits and assist with ad hoc tax-related issues that arise, providing expert advice as needed. Design Reports for VAT/Indirect Tax: Design and generate reports that support VAT/Indirect Tax audit files and help manage VAT positions efficiently. Process Improvement: Lead and support the implementation of new tax-related processes, including automations and process improvements based on tax requirements. Project Funding & Risk Assessment: Assist in managing the financial aspects of project funding and conduct risk assessments to resolve challenges. Knowledge Sharing: Foster knowledge sharing within the team and support the development of junior colleagues. Qualifications & Requirements: Experience: Minimum of 3+ years of experience in the Transactional Tax area, particularly in Indirect Tax returns and preparing international/Indian tax declarations. ERP System Knowledge: Practical experience working with ERP systems like SAP or Oracle. Technical Skills: Strong proficiency in Microsoft Office and Excel, including functions and pivot tables. Language Skills: Proficient in English, both written and verbal communication. Organizational Skills: Strong organization and coordination abilities, with a proven ability to work under deadlines and pressure. Teamwork: Ability to collaborate effectively in a team environment. Work Model: The role offers a hybrid work model: #LI-Onsite, #LI-Hybrid. Joining ABB means becoming part of a team that delivers forward-looking insights driving sustainable long-term results. We operate with the highest standards and are committed to fostering an inclusive and diverse work environment. Your contributions will help shape the future of energy and automation.

At Jupiter, we understand that money is more than just a subject it s a part of life that evokes emotions. Our mission is to help people improve their relationship with money. As a modern financial services platform, we leverage technology to offer seamless and user-friendly products across banking, loans, and investments. From savings accounts and credit cards to investments and payments, everything is made simple and accessible on Jupiter. We also help users cut through the jargon, offer smart insights based on their spending habits, and provide innovative features to help them make sense of their finances. Our Journey So Far Founded in 2019 by Jitendra Gupta, a visionary entrepreneur best known for Citrus Pay, Jupiter s journey began with a powerful idea: to revolutionize personal finance by providing a customer-centric experience. Our journey kicked off with a waitlist of 100,000 eager users, and in just 10 months, we reached 1 million users. Today, we proudly serve over 2.8 million happy users. Our Insights feature automatically tracks spending, even on external savings accounts. Our Edge CSB Bank RuPay credit card is loved for its transparent design and rewarding experience. Our No-Penalty SIP and Daily SIP at just Rs 10 have been instrumental in scaling our investments business, with over 100,000 users investing to fulfill their financial aspirations. With cutting-edge technology, data analytics, and a diverse team of creative thinkers and industry experts, we continue to build a more accessible, transparent, and inclusive financial ecosystem. Now, we are looking for like-minded individuals to join our growing team. Who We re Looking For We are seeking a Credit Card Acquisition/Sales Manager who has deep expertise in driving credit card sales through digital channels. This high-impact role is an individual contributor position responsible for meeting aggressive sales targets through digital partnerships, assisted digital sales, and direct outreach. The ideal candidate should have proven experience in driving high-volume credit card issuance and a thorough understanding of the credit approval and onboarding process. Roles and Responsibilities Sales Target Ownership: Own and deliver monthly/quarterly credit card sales targets through digital sales channels. High-Quality Acquisitions: Drive quality credit card acquisitions via: Digital Aggregator Partnerships: Collaborate with fintech companies, NBFCs, and aggregators to distribute credit cards. B2B & Corporate Alliances: Lead credit card issuance through employer partnerships and business tie-ups. Assisted Digital Sales Models: Engage potential customers with guided sales processes to improve conversions. Key Metrics Management: Meet and exceed key sales metrics such as new credit card issuance, lead-to-conversion rates, etc. Onboarding and Activation: Work closely with the credit, risk, and operations teams to ensure seamless onboarding and activation. Funnel Optimization: Analyze drop-offs in the digital sales funnel and implement strategies to improve conversion rates. Performance Tracking: Monitor performance data on a daily/weekly basis, identify gaps, and improve sales processes. Compliance Management: Ensure compliance with regulatory guidelines, credit risk policies, and fraud prevention measures. What s Needed for This Role Experience: 7-12 years of experience in credit card sales/acquisition, with a focus on digital sales channels. Sales Performance: Proven ability to hit and exceed aggressive sales targets in a high-volume, digital-first environment. Partnership and Alliances: Experience with digital partnerships, assisted digital sales models, and corporate alliances. Credit and Onboarding Knowledge: Strong understanding of underwriting criteria, digital KYC, and approval workflows. Sales Tools Proficiency: Hands-on experience with CRM systems, lead management tools, and digital sales tracking. Data-Driven Approach: Analytical mindset with a data-driven approach to improving sales efficiency and conversion rates. Independence and Drive: Ability to work independently and drive high-quality acquisitions without direct team management. Why You Should Work With Us Ownership Mentality: We value individuals who behave like owners taking full ownership of their projects and seeing them through to completion. Customer-Centric Problem-Solving: We thrive on tackling meaningful challenges by understanding pain points and creating intuitive, delightful customer experiences. Healthy Conflict & Commitment: We value individuals who engage in healthy conflict and commit fully to decisions once they re made. Relentless Excellence: We continuously set higher standards and are always seeking growth and improvement. If you re driven by continuous learning and want to be part of an environment that challenges you, Jupiter is the place to be.

Job Title: Enterprise Risk Management (ERM) Manager Location: Bengaluru Job Description: We are seeking an experienced and dynamic Enterprise Risk Management (ERM) Manager to join our team in Bengaluru. In this role, you will be responsible for overseeing and assessing the organization s overall risk profile, identifying potential risks, and implementing strategies to mitigate them. You will work closely with cross-functional teams to integrate risk management into business strategies, policies, and operational processes, ensuring the organization s resilience and success. Key Responsibilities: Develop, implement, and maintain comprehensive risk management frameworks, policies, and processes across the organization. Conduct thorough risk assessments to identify, evaluate, and prioritize risks related to operations, finance, compliance, and strategic objectives. Design, implement, and monitor enterprise-wide risk mitigation strategies to address identified risks. Collaborate with senior leadership to ensure alignment between risk management initiatives and broader business objectives. Prepare and present detailed reports on key risk indicators (KRIs) to senior management and board members. Lead the enterprise risk management cycle, encompassing risk identification, assessment, mitigation, monitoring, and reporting. Develop risk management models and scenario analyses to predict potential impacts on business operations and long-term goals. Work closely with internal audit, legal, compliance, and finance teams to ensure that identified risks are appropriately managed and mitigated. Design and lead company-wide risk training and awareness programs to ensure that all employees understand and contribute to effective risk management practices. Monitor industry trends, emerging regulations, and best practices to proactively manage and mitigate new risks. Oversee the implementation and management of risk-related technology tools or software to enhance risk identification, tracking, and mitigation efforts. Maintain effective communication and collaboration with external auditors, insurers, legal advisors, and other external stakeholders on risk-related matters. Primary Skills: Risk Identification & Assessment Risk Mitigation & Control Strategic Thinking Analytical & Problem-Solving Project Management Attention to Detail Cross-functional Collaboration Knowledge of Regulatory & Compliance Standards Reporting & Documentation Qualifications: Bachelor's degree in Business, Finance, Risk Management, or a related field. Proven experience in enterprise risk management or a related field. Strong knowledge of risk management methodologies, tools, and frameworks. Excellent communication and presentation skills, with the ability to articulate complex risk concepts to senior leadership. Proficiency in risk management software and technology tools. What We Offer: A collaborative and inclusive work environment where innovation and strategic thinking are valued. Opportunities for career advancement and professional development in risk management. Competitive salary and benefits package. Qualification : Bachelor's degree in Business, Finance, Risk Management, or a related field.