Credit Underwriting Jobs in Mumbai

Role: Senior Hindsighting Manager Function/Department: Retail Risk Experience: 5-10 Years Education: Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA Job Purpose: We are seeking a Senior Hindsighting Manager to lead the credit hindsight review process for retail banking products. The role involves evaluating underwriting decisions, ensuring compliance with internal policies and regulatory guidelines, and identifying gaps to enhance credit risk frameworks. The ideal candidate will be responsible for conducting detailed reviews, publishing hindsight reports, and collaborating with senior management to drive strategic improvements. Key Responsibilities: Hindsight Review & Credit Assessment: Design and implement the hindsight review framework for retail loan products (PL, BL, Mortgage, UC, CV, EH, KCC, etc.). Conduct detailed evaluations of approved loan accounts to ensure alignment with credit policies and risk parameters. Identify and highlight process deviations and underwriting gaps to improve decision-making accuracy. Compliance & Risk Governance: Assess adherence to RBI regulations and internal compliance policies. Ensure all loan approvals align with banking guidelines, risk appetite, and industry standards. Provide actionable recommendations to mitigate risks and improve portfolio quality. Reporting & Insights: Publish hindsight reports, dashboards, and performance scores for senior management. Track trends and provide insights to enhance underwriting effectiveness. Maintain thorough documentation of findings, policy deviations, and recommendations. Stakeholder Collaboration & Process Enhancement: Work closely with Risk, Operations, and Policy teams to drive process improvements. Recommend enhancements to credit policies and underwriting frameworks based on hindsight findings. Capture and share best practices to strengthen overall risk management capabilities. Preferred Skills & Attributes: Strong understanding of retail credit underwriting across multiple loan products. Experience in credit risk assessment, portfolio monitoring, and policy compliance. Analytical mindset with the ability to interpret data and generate insights. Proficiency in reporting tools (Excel, SQL, Power BI, Tableau, etc.) is a plus. Strong communication and stakeholder management skills. Opportunity to play a critical role in strengthening risk governance. Work in a dynamic and data-driven banking environment. Exposure to high-impact projects and collaboration with senior leadership. If you have a strong background in credit risk, underwriting, and regulatory compliance, we invite you to join our team and contribute to enhancing our retail risk management framework! Qualification : Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA

Role: Hindsighting Manager Function/Department: Risk Experience: 5-10 Years Education: Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA Job Purpose: The Hindsighting Manager is responsible for conducting credit hindsight activities through sampling and detailed account reviews. This role ensures compliance with regulatory guidelines (RBI), internal credit policies, and underwriting standards. The role also involves identifying process gaps, publishing hindsight reports and dashboards for senior management, and recommending policy/process improvements to enhance operational efficiency and risk control. Key Responsibilities: Credit Hindsight & Compliance Review: Conduct detailed account reviews to ensure credit approvals align with policies and processes. Assess compliance with RBI regulations and internal credit risk policies. Identify gaps in underwriting processes and highlight concerns to senior management. Hindsight Reporting & Insights: Publish periodic hindsight reports, dashboards, and performance scores. Collaborate with Risk, Operations, and Policy teams to implement process improvements. Capture and share best practices across teams to enhance decision-making. Process Improvement & Stakeholder Collaboration: Recommend enhancements to Retail Banking processes and policies to drive operational efficiencies. Work closely with cross-functional teams to ensure seamless execution of policy changes. Leverage internal synergies to strengthen risk controls and compliance frameworks. Preferred Skills & Attributes: Strong understanding of credit underwriting, risk assessment, and compliance frameworks. Experience in financial analysis, process reviews, and regulatory reporting. Proficiency in MIS reporting, dashboard creation, and data interpretation. Ability to analyze trends, identify gaps, and drive corrective measures. Strong collaboration skills to work across risk, policy, and operations teams. Opportunity to play a key role in risk management through data-driven hindsight analysis. Work in a high-impact role with exposure to senior management reporting. Drive continuous process improvements in Retail Banking risk and compliance. If you have a keen eye for detail, strong analytical skills, and experience in underwriting and risk management, we invite you to be part of our team! Qualification : Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA

Role: Senior Specialist - Credit Administration Function/Department: Wholesale Banking Operations Experience: 10-18 Years Education: Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA Job Purpose: The Senior Specialist - Credit Administration plays a critical role in post-sanction credit activities for large corporates. This role ensures compliance with credit, regulatory, legal, and product guidelines while facilitating disbursement. As a key control function, the role involves extensive due diligence, credit condition monitoring, and management of limits, covenants, collateral, and documentation to safeguard the bank s interests. Key Responsibilities: Credit Administration & Compliance: Oversee a wide range of credit products, including working capital, term loans, NCDs, investment limits, portfolio buyouts, and commercial papers for large corporate and FIG segments. Ensure credit appraisals align with internal policies and RBI regulations. Verify that all conditions precedent are met before disbursement approval. Documentation & Security Management: Ensure enforceable legal documentation as per legal guidelines, including security creation (mortgages, pledges, hypothecation, etc.). Track and manage covenants, deferrals, and compliance requirements in the system. Facilitate safe custody and retrieval of loan documents for internal and external stakeholders. Stakeholder Coordination & Process Improvement: Coordinate with business teams, legal, credit, and external partners (valuation, audit, title search) to ensure timely and high-quality deliverables. Process invoices related to credit administration activities. Support internal governance initiatives to identify process gaps and strengthen controls. Regulatory Reporting & Risk Management: Ensure accurate and timely reporting of credit-related data to internal and external stakeholders. Stay updated on RBI guidelines and regulatory reporting requirements (e.g., RBS submission). Preferred Skills & Attributes: Strong expertise in credit administration, risk management, and regulatory compliance. Hands-on experience with credit operations for large corporate banking. Knowledge of legal documentation, security creation, and credit monitoring. Ability to liaise with internal teams and external agencies to drive operational excellence. Proficiency in financial reporting and governance frameworks. Play a key role in ensuring credit risk mitigation and compliance in wholesale banking. Gain exposure to large corporate credit operations and regulatory reporting. Be part of a dynamic team driving process improvements in credit administration. If you have extensive experience in credit administration, a strong understanding of compliance frameworks, and a keen eye for risk management, we invite you to be part of our team! Qualification : Graduation: B.Com, B.Sc, BA, BBI, BMS Post-Graduation: MBA, M.Com, MA

Job Role:Partnership Portfolio Manager, Priority Sector Lending Business Function: PSL or Priority Sector Lending is a vertical that takes care of the lending that are mandated by RBI to all the banks for certain specific sectors that are considered as critical for the development of the nation. These are sector such as agriculture, micro/small enterprises, housing, education & renewable energy, etc. In DBS, we have identified few avenues like MFI & NBFC on-lending, PTC's, direct assignment & co-lending to achieve PSL targets along with organic business like gold loans, SME lending, LAP & affordable housing. Responsibilities: Portfolio management role includes following activities for DAand Co-lending Partnerships Portfolio and pool assessment, designing pool parameters, physical due diligence on the portfolio, NPA monitoring & provisioning, periodic audit & coordination, portfolio monitoring and analytics. Analysis of Static pool and dynamic portfolio cuts for arriving at loss estimation Designing pool selection criteria basis static / dynamic cuts and previous transaction performance. Field visit for pool due diligence at originator s branch / office and preparation of due diligence report Supervise the reconciliation workings on pay out, escrow bank account and coordinate with internal teams Should be ready to travel within India based on organizational requirement Liaising with various departments for execution of Direct assignment and Co-lending transactions. Automation and preparation of portfolio performance reports required for monitoring and reporting purposes. Requirements: The candidate should have proven data analytics skills with an eye for detail and familiarity with spreadsheets and online systems The candidate with more than three years of experience in Bank/NBFC will be preferred A Post-graduate or equivalent degree with relevant experience in banking financial products Good team worker Good interpersonal and communications skills with proficiency in English Technical Competencies: Good understanding of MS Office tool like excel, MS word, PPT etc. Knowledge of banking products and credit underwriting preferable Sound understanding of asset products and associated technology platforms and operational procedures Understanding of regulatory guidelines on banking policies issued by MAS/ RBI/SEBI (local regulations in India) and local laws and regulations that impact businesses in general. Understanding of KYC requirements & Anti-money Laundering Policies are critical. Knowledge of financial markets, products & competitor offerings to assist in meaningful dialogue with clients. Qualification : A Post-graduate or equivalent degree with relevant experience in banking financial products

Position Title: Senior Manager Generative AI & Innovation Lead Location: Mumbai Department: Data Science, AI & Innovation Job Summary We are looking for a forward-thinking and execution-focused Generative AI & Innovation Lead to drive AI-led transformation in the lending industry. In this high-impact role, you will be responsible for identifying, prototyping, and scaling cutting-edge generative AI solutions that enhance efficiency, improve customer experiences, and streamline business processes across the organization. This position is ideal for a passionate innovator who understands the rapidly evolving AI landscape and can bridge the gap between advanced technologies and real-world business needs particularly in financial services. Key Responsibilities Strategic Innovation Leadership Lead AI innovation initiatives by identifying high-impact generative AI use cases across the lending value chain. Develop and own the roadmap for generative AI adoption aligned with key business objectives. Act as a catalyst for organization-wide transformation through AI-powered solutions. Technology & Ecosystem Awareness Stay on top of the latest advancements in LLMs, multimodal AI models, and agentic frameworks. Evaluate enterprise platforms such as AWS Bedrock, Azure OpenAI, Google Vertex AI, and open-source alternatives. Build internal awareness of emerging technologies and their potential applications. Competitive & Market Intelligence Benchmark AI adoption in financial services and lending industries. Analyze competitor strategies and identify whitespace opportunities and unmet customer needs. Use Case Development & Experimentation Collaborate with business, data science, and tech teams to prioritize and validate high-impact use cases. Rapidly design and develop proof-of-concepts (POCs) with measurable success metrics. Scale validated solutions into production with focus on usability, scalability, and business ROI. Agile & Lean Execution Foster a fail-fast, learn-fast culture with cost-efficient experimentation. Promote lean innovation and lead internal evangelism for AI-driven transformation. Cross-functional Collaboration Partner with engineering, data science, product, compliance, and legal teams for ethical, scalable deployment. Ensure adherence to governance standards, including explainability, fairness, and regulatory compliance. Qualifications & Experience Bachelor s or Master s degree in Computer Science, Data Science, Engineering, or a related field; MBA is a plus. 2+ years of experience in AI/ML, with at least 1 year hands-on in Generative AI. Proven track record of leading innovation or AI-driven initiatives, preferably in lending or financial services. Deep understanding of the lending lifecycle, including underwriting, collections, risk models, and regulatory frameworks. Hands-on experience with LLMs (e.g., GPT, Claude, Mistral, LLaMA), embedding models, prompt engineering, and vector databases. Familiarity with cloud platforms (AWS, Azure, GCP) and orchestration tools like LangChain, Haystack. Excellent communication, leadership, and stakeholder management skills. Preferred Skills Experience with synthetic data generation, document AI, conversational AI, or autonomous agents. Understanding of ethical AI, privacy laws, and compliance standards in financial services. Exposure to startups or intrapreneurial roles in launching new AI products or platforms. Qualification : Bachelors or Masters degree in Computer Science, Data Science, Engineering, or a related field; MBA is a plus

Job Title: Associate Underwriting Location: Mumbai, India Company: Oakbrook (Part of Blenheim Chalcot Portfolio) Experience: 1 3 Years Industry: FinTech | Lending | Underwriting Employment Type: Full-Time About the Role: We are looking for a highly analytical and detail-oriented Associate Underwriting to join Oakbrook India, a FinTech venture within the Blenheim Chalcot ecosystem. You will play a critical role in supporting loan underwriting processes, document verification, and financial data analysis to ensure accurate risk assessment and timely decisions. You ll gain exposure to next-gen GenAI-enabled processes and will work in a fast-paced, agile, and collaborative environment, contributing directly to the future of digital lending. Key Responsibilities: Review loan applications and verify customer documentation for completeness and accuracy. Analyze financial statements, bank statements, credit reports, and related documents to assess creditworthiness. Prepare detailed customer risk profiles and support the underwriting team in decision-making. Identify discrepancies or red flags and escalate as required. Ensure compliance with internal policies and lending regulations. Collaborate with cross-functional teams including Customer Service, Risk, and Operations. Support process enhancements through automation and tech-driven tools including GenAI. Maintain accurate and well-documented audit trails of decisions and processes. Must-Have Skills: Experience in document verification and financial data analysis (bank statements, credit reports, income data, etc.). Strong understanding of lending operations and underwriting processes, especially for UK/US clients. Analytical thinking and decision-making ability with attention to detail. Good-to-Have Skills: Familiarity with GenAI tools or automation platforms in financial workflows. Clear stakeholder communication and reporting abilities. Proficient in MS Office tools, especially Excel. Qualifications: Graduate or Undergraduate from a recognized university. 1 3 years of experience in FinTech, lending, or mortgage operations, ideally with UK/US-based clients. Exposure across the lending customer lifecycle (call center, back office, retention) is an advantage. Strong documentation, compliance, and reporting awareness. What We Offer: Competitive compensation based on experience. Opportunity to work with global teams and FinTech leaders. Be part of Blenheim Chalcot, the world s leading digital venture builder. Exposure to the latest in GenAI and automation technologies. Private medical insurance for you and your family. Life insurance coverage. Vibrant work culture with regular social events and team activities. About Blenheim Chalcot: Blenheim Chalcot has been building disruptive businesses for over 26 years across FinTech, EdTech, HealthTech, Media, and more. Our India team is central to our innovation and success, supporting a diverse portfolio of ventures. We re not just investors we build businesses from the ground up, supporting them with strategic expertise and execution capabilities in technology, growth, talent, finance, and legal. If you have an eye for detail, love working with financial data, and want to be part of a purpose-driven FinTech team, we want to hear from you.

Relationship Manager (RM) Global Trade Finance (GTX) Location: Mumbai Experience: 1 - 3 Years Reports To: Head Global Trade Finance Company: KredX About GTX GTX is an IFSCA-licensed International Trade Financing Services (ITFS) platform based out of GIFT City, designed to support exporters and importers with their cross-border working capital needs through cutting-edge technology. GTX is committed to empowering international trade with innovative financial services, advanced technology, and deep market expertise. Role Overview As a Relationship Manager for Global Trade Finance, you will be instrumental in structuring and executing trade finance transactions, managing client portfolios, coordinating with banks and financial institutions, and ensuring full regulatory and operational compliance. This role offers a unique opportunity to work closely with exporters, importers, banks, fintech platforms, and internal stakeholders to deliver seamless, secure, and scalable cross-border financing solutions. Key Responsibilities Client & Transaction Management Originate, structure, and execute trade finance solutions such as Export Factoring, Letters of Credit (LC), Standby Letters of Credit (SBLC), forfaiting, factoring, buyer s and supplier s credit. Manage and nurture a portfolio of corporate clients involved in international trade. Identify opportunities to cross-sell trade products and deepen client relationships. Operational & Risk Oversight Ensure all documentation, risk assessments, compliance (KYC/AML), and credit appraisals are properly managed. Monitor disbursals, repayments, collateral, and transaction flows. Work collaboratively with risk, compliance, and legal teams to mitigate transactional risks. Banking & Institutional Relationships Interface and negotiate with domestic and international banks, NBFCs, Export Credit Agencies (ECAs), and factoring companies for syndication and deal closures. Negotiate terms, pricing, and credit limits with funding partners. Strategic & Internal Projects Support product development, process automation, and digitization initiatives in trade finance. Provide insights into market trends, trade finance regulations (UCP, URDG, FEMA, RBI guidelines), and client behaviors. Key Requirements Education & Experience 1-3 years of experience in trade finance roles within banks, NBFCs, fintech companies, or corporate treasury. Additional certifications such as CDCS (Certified Documentary Credit Specialist) or CITF (Certificate in International Trade Finance) are advantageous. Strong understanding of trade finance instruments, regulatory environment, and global trade dynamics. Skills Strong analytical, structuring, and negotiation skills. Proficiency in trade documentation, credit analysis, and risk management. Excellent communication, relationship-building, and stakeholder management skills. Be part of a high-growth vertical with global exposure backed by institutional credibility. Work with a dynamic, innovative team focused on transforming trade finance through digital technologies. Opportunity to lead and contribute to transformative projects in an evolving ecosystem.

Business Development (Lending NBFC & MFI) Location: Mumbai & Bengaluru (could entail travel) No of vacancy: 2 Job Profile: Deepen existing relationships with existing clients in financial services, fintech, insurtech, ecommerce etc. category, as applicable. Develop and manage a lead pipeline of potential clients, focusing largely across and within NBFC and MFI space Own the client account in an end-to-end manner from demo / pitches to documentation & commercial agreements to managing P&L (topline, margin, revenue, renewals, pricing) of the accounts. Structure profitable deals that mutually support client and business vision. Ensure successful onboarding of clients followed by delivering as per SLAs & quality commitments. Stay updated on the competitor landscape through constant market research and analytics / dashboards. Ensure high quality deliverables per commitment on timelines and budgets through internal and external stakeholder management. Collaborate across teams viz. Sales, Tech, Digital Marketing, Product, Legal, Finance and Operations. Identify new partnerships / alliances with companies in financial services, fintech space like banks, equity brokers, NBFCs, insurance brokers, insurance companies, payment gateway, etc., and other potential categories. Candidate Profile: 3-10 years of experience in Business Development & Key Account Management for Insurance / Insurtech set ups. Understanding of SAAS products and technology is a plus. Experience in working with senior management / decision makers within the organization and for the clients Strong background and experience in NBFC & MFI sector Experience & expertise in P&L management, leading teams to performance and client interfacing. Excellent verbal and written communication skills, ability to effectively negotiate and have a problem-solving approach. Open to travel extensively

Position: Data Analyst Collections Location: Mumbai Qualification: Graduate Experience: 3 to 6 years Job Description: We are looking for a Data Analyst Collections to join our team. This role involves analyzing and interpreting data from multiple sources to provide actionable insights and support decision-making. You will be responsible for reporting, system management, process improvement, and collaborating cross-functionally to drive performance improvements. Key Responsibilities: Data Analysis & Reporting: Collect and analyze data from various sources to identify trends, patterns, and key insights. Prepare daily, weekly, and monthly operational reports as well as client-specific reports. Design and manage interactive dashboards to track key performance indicators (KPIs) and provide insights for management decision-making. System Management: Oversee the daily operation and maintenance of information systems, ensuring smooth and secure data handling. Ensure the accuracy, security, and integrity of all databases. Provide support for troubleshooting and resolving any system-related issues. Process Improvement & Automation: Identify and implement opportunities to enhance reporting processes and system efficiency. Automate repetitive tasks and processes using advanced Excel functions (VBA, Macros), SQL, and BI tools such as Power BI or Tableau. Strategic & Cross-Functional Support: Collaborate with various departments to understand data requirements and deliver customized reports. Monitor compliance with Service Level Agreements (SLAs), internal controls, and regulatory standards. Provide technical support to enhance decision-making and business performance across teams. Key Qualifications & Skills: Technical Expertise: Advanced proficiency in MS Excel (functions, VBA/Macros), SQL, Tableau, Power BI, and database management systems. Analytical Skills: Strong ability to process large datasets, identify trends, and derive actionable insights. Regulatory Knowledge: Familiarity with debt collection laws, compliance requirements, and reporting standards (preferred for roles related to collection or finance MIS). Communication Skills: Ability to clearly present data insights to both technical and non-technical stakeholders. Qualification : Graduate

Job Title: Deputy Manager Accounts Receivable Location: Mumbai Education: M.Com / B.Com Experience: Minimum 5 years (with at least 2 years in a supervisory or managerial role) About the Role We are looking for a highly motivated and experienced Deputy Manager Accounts Receivable to oversee and enhance our receivables operations. The ideal candidate will bring strong financial acumen, team leadership experience, and a proactive approach to process improvement. This is a key role that ensures accurate financial reporting, efficient collections, and strong customer relationship management. Key Responsibilities Team Leadership: Supervise, mentor, and guide the accounts receivable team to ensure high productivity and continuous professional development. Customer Account Reconciliation: Ensure accurate reconciliation of customer accounts with AR ledgers and financial statements. Collections Coordination: Liaise with banks and payment aggregators to ensure timely collections from customers. Reporting & Analysis: Prepare regular AR reports including aging analysis, collection status, bad debt provisions, and other key metrics. Policy Implementation: Develop, implement, and monitor AR policies and procedures in alignment with internal controls and compliance standards. Client Communication: Address and resolve customer inquiries, disputes, and escalations related to billing and payments in a timely and professional manner. Process Optimization: Identify areas for improvement in the AR cycle and implement automation or best practices to increase efficiency. Financial Closure & Compliance: Ensure timely monthly closures and accurate financial reporting. Ensure compliance with statutory and regulatory payment requirements. Cross-Functional Collaboration: Work closely with finance, sales, and customer service teams to resolve billing or payment issues and improve the end-to-end AR process. Required Qualifications & Skills Education: Bachelor s or Master s degree in Commerce, Finance, Accounting, or Business Administration. Experience: Minimum 5 years of experience in Accounts Receivable or a related financial role. At least 2 years in a supervisory or managerial capacity. Technical Skills: Proficiency in accounting tools such as Tally Prime, SAP, Oracle, or QuickBooks. Advanced knowledge of Microsoft Office Suite, particularly Excel, PowerPoint, and Power BI. Core Competencies: Analytical Thinking: Ability to interpret financial data and make data-driven decisions. Communication: Strong verbal and written communication skills to effectively interact with internal teams and external stakeholders. Leadership: Proven ability to lead teams, set performance goals, and foster a collaborative work culture. Attention to Detail: Strong focus on accuracy in financial reporting and record-keeping. Organizational Skills: Ability to manage multiple priorities, deadlines, and maintain structure under pressure. Be part of a fast-paced, growth-oriented finance team. Work in a collaborative environment with cross-functional exposure. Opportunity to lead impactful process improvement initiatives. Competitive compensation and opportunities for advancement. Qualification : Bachelors or Masters degree in Commerce, Finance, Accounting, or Business Administration

Position Title: Regional Manager Collections Location: Mumbai Overview: We are seeking an experienced and performance-driven Regional Manager Collections to oversee and manage collections for 90+ DPD (Days Past Due) / NPA accounts. The ideal candidate will lead a team of field officers, team leaders, and tele-callers, ensuring collection targets are consistently met, recovery rates are improved, and operational processes are optimized. This role demands strong leadership, a deep understanding of NPA collections, and the ability to execute high-impact recovery strategies. Key Responsibilities: Manage and monitor collections for 90+ DPD accounts, ensuring monthly recovery targets are achieved Develop and implement field follow-up strategies and review logic to maximize recovery efficiency Conduct tracing and skip-tracing for unreachable or unresponsive customers Engage directly with delinquent borrowers to negotiate repayment and improve recovery on assigned portfolios Lead and motivate a team comprising team leaders, tele-callers, and field officers (FOS) across vendor locations Allocate cases efficiently based on geography, vintage, and risk profile Track collection performance through daily reports, dashboards, and regular team reviews Identify underperforming areas and implement corrective actions to improve recovery efficiency Design and roll out collections improvement initiatives based on market trends and competitor analysis Ensure compliance with regulatory guidelines and company policies related to collections Meet departmental goals on a daily, weekly, and monthly basis Requirements & Qualifications: Graduate or Postgraduate from a recognized institute Minimum 5+ years of experience as a Recovery/Collections Manager in a Bank or NBFC, with specialization in 90+ DPD/NPA collections Deep understanding of retail loan products such as Personal Loans, Solar Loans, Education Loans, Home Decor Financing, Healthcare Financing, etc. Hands-on experience with collections management tools, CRM systems, and MIS reporting Strong analytical, problem-solving, and decision-making skills Ability to work under pressure and meet aggressive targets Proven leadership abilities, strategic thinking, and people management experience Strong communication and negotiation skills Qualification : Graduate or Postgraduate from a recognized institute

Role: Manager - Analytics (Debt Management) Function/Department: Collections Experience: 5-10 Years Education: Graduation: B.Sc, B.Tech, BCA, B.Com, BBA Post-Graduation: MBA, PGDM Job Purpose: We are looking for a Manager - Analytics (Debt Management) to drive data-driven decision-making in our collections process. This role will focus on portfolio analytics, delinquency tracking, and performance optimization to enhance debt recovery strategies. The ideal candidate will leverage data insights to improve efficiency, ensure compliance, and support strategic initiatives within the Debt Management function. Key Responsibilities: Debt Portfolio Analysis & Performance Tracking: Monitor and analyze delinquency trends across buckets and DPD (Days Past Due). Develop predictive models and data-driven strategies to enhance debt recovery rates. Track collection performance and identify gaps or improvement opportunities. Collection Strategy Optimization: Define data-backed segmentation strategies to improve customer engagement and recovery. Optimize collection strategies by analyzing past trends, customer behavior, and repayment patterns. Implement early warning systems to prevent accounts from slipping into default. MIS & Reporting: Design and maintain MIS reports for performance tracking, agency efficiency, and collection outcomes. Generate and present insights-based reports for senior management decision-making. Automate reporting processes to enhance operational efficiency. Stakeholder Collaboration & Compliance: Work closely with collection teams, legal teams, and external agencies to improve recovery strategies. Ensure compliance with regulatory requirements in debt management analytics. Provide analytical support for policy and process enhancements within the collections framework. Preferred Skills & Attributes: Strong expertise in data analytics, predictive modeling, and statistical techniques. Proficiency in SQL, Python, R, Tableau, Power BI, or other data visualization tools. Experience in credit risk management, collections analytics, or debt recovery strategies. Strong understanding of regulatory guidelines and compliance frameworks in banking collections. Ability to work cross-functionally and drive actionable insights for business growth. Impactful role in shaping data-driven debt management strategies. Work in a fast-paced, analytical, and results-oriented environment. Opportunities for professional growth in a leading financial institution. If you are passionate about analytics, data-driven decision-making, and optimizing debt management, we invite you to apply and be part of our dynamic team! Qualification : B.Sc, B.Tech, BCA, B.Com, BBA

Job Title: Accounts Payable Senior Executive Location: Mumbai Experience: 2 5 Years Education: B.Com / M.Com / Semi-qualified CA / CA IPCC Cleared Position Overview: We are looking for a detail-oriented and proactive Accounts Payable Senior Executive to join our Finance team in Mumbai. This role involves the end-to-end management of vendor payments, invoice processing, TDS/GST compliance, and period-end financial activities. The ideal candidate will have strong accounting knowledge, hands-on experience with ERP systems, and the ability to maintain efficient vendor relationships while supporting audits and financial reporting. Key Responsibilities: Invoice Processing & Booking Review vendor invoices against contracts/agreements and ensure proper approvals Accurately book invoices with correct GL codes and cost center tagging Deduct TDS as per applicable tax provisions and ensure proper documentation Vendor Payments Schedule and process vendor payments in a timely and accurate manner Conduct due diligence before processing payments (agreements, tax, compliance checks) Maintain payment records and coordinate for necessary internal approvals Vendor Reconciliation & Management Perform regular vendor reconciliations and resolve any mismatches or discrepancies Manage vendor master data, including validation of KYC documents and bank details Liaise with vendors to ensure timely submission of invoices and balance confirmations Expense Monitoring & Analysis Monitor and analyze expenses on a monthly/quarterly basis Identify trends, variances, or unusual cost spikes and flag for further investigation Track outstanding payables to ensure timely closures Month-End & Year-End Activities Book expense provisions and accruals during closing periods Handle amortization of prepaid expenses and related accounting entries Assist in preparing audit-ready reports and reconciliations Reporting & MIS Generate and circulate expense MIS, vendor ageing, and payables reports Coordinate with internal teams for budgeting and clarification on expense entries Compliance & Audit Support Ensure strict compliance with TDS and GST regulations Assist in TDS return filing and timely issuance of Form 16A to vendors Support internal and statutory audits with required documentation and schedules Qualifications & Skills: CA IPCC (one or both groups) cleared preferred B.Com / M.Com / Semi-qualified CA with relevant experience 2 5 years of hands-on experience in Accounts Payable or general accounting Strong understanding of accounting principles, TDS, and GST compliance Proficiency in MS Excel and ERP systems (Tally, SAP, Oracle, etc.) Strong analytical, communication, and vendor management skills Ability to meet tight deadlines with a proactive and solution-oriented mindset Qualification : B.Com / M.Com / Semi-qualified CA / CA IPCC Cleared

Position Title: Senior Vice President Data, AI & Cloud Location: Mumbai Department: Technology Role Overview We are seeking a visionary technology leader to serve as Senior Vice President Data, AI & Cloud, responsible for architecting and executing our enterprise-wide data, AI/ML, and cloud strategy. This is a transformative leadership role that combines deep technical expertise with strong business acumen to drive innovation, operational efficiency, and intelligent decision-making across the organization. You will lead platform modernization, enable large-scale AI/ML adoption, and optimize cloud infrastructure, all while building a culture where data and AI are embedded in everyday decision-making. The ideal candidate will be both a strategic thinker and a hands-on technologist capable of translating cutting-edge developments like generative AI and LLMs into practical enterprise applications. Key Responsibilities Strategic Leadership Define and implement a cohesive strategy across Data, AI/ML, and Cloud aligned with enterprise objectives. Drive AI democratization by embedding intelligence in core workflows and decision systems. Champion a data-driven, innovation-first culture across both business and technology teams. AI Advocacy & Adoption Act as the internal evangelist for AI leading awareness, education, and enablement initiatives. Partner with cross-functional teams (product, credit, operations, etc.) to co-create impactful AI solutions. Translate advanced AI technologies (LLMs, generative AI, agentic workflows) into scalable enterprise applications. AI/ML Delivery & Innovation Lead end-to-end development and deployment of AI/ML solutions across key areas: credit scoring, collections, fraud detection, automation, and customer insights. Promote the adoption of LLMs and generative AI to power personalization and intelligent decisioning systems. Institutionalize MLOps, Infrastructure-as-Code (IaC), and model observability practices. Data Platform & Governance Overhaul and modernize data architecture with real-time, scalable, cloud-native solutions. Establish and enforce robust data governance, data quality, privacy, and compliance practices (aligned with RBI and other regulatory norms). Cloud Infrastructure & Optimization Architect and maintain a secure, scalable, cost-optimized AWS environment. Implement best-in-class DevOps, Infrastructure-as-Code, and monitoring practices using tools like Terraform, Kubernetes, and Cloud-native observability suites. Team & Capability Building Build and lead high-performing teams across Data Engineering, ML Engineering, and Cloud Operations. Mentor and inspire talent to drive innovation and cross-functional collaboration. Technology Stack AI/ML: Python, TensorFlow, PyTorch, MLflow, LangChain, LLMs, Agentic Workflows Cloud (AWS): S3, EKS, ECR, Lambda, CloudWatch, CloudTrail, IAM, SageMaker, Bedrock Databases: RDBMS, Amazon Redshift, MongoDB DevOps & Infrastructure: Terraform, Kubernetes, CI/CD tools, ETL pipelines Desired Candidate Profile 12+ years of progressive experience in data engineering, AI/ML, and cloud infrastructure roles, with at least 5 years in a leadership capacity. Proven success in leading data platform modernization and delivering enterprise-scale AI solutions in regulated industries preferably financial services. Deep hands-on expertise with Python, ML frameworks (TensorFlow, PyTorch), MLOps tools (MLflow), and generative AI platforms (LangChain, LLMs). Strong understanding of financial data, credit models, risk analytics, and compliance requirements (including RBI regulations). Bachelor s or Master s degree in Computer Science, Data Science, Engineering, or a related field. Qualification : Bachelors or Masters degree in Computer Science, Data Science, Engineering, or a related field

Position Title: Senior Manager Product Location: Mumbai Department: Product Job Overview We are looking for a results-driven Senior Product Manager to lead and scale our Business Loans proposition for MSME customers. This role is pivotal in shaping the product strategy, driving key business metrics, and delivering innovative credit solutions tailored to the needs of small and medium enterprises. You will work at the intersection of product, business, and strategy owning the product lifecycle from ideation to execution while collaborating closely with cross-functional teams such as Sales, Credit, and Risk. Key Responsibilities Product Strategy & Execution Design and implement high-impact loan products and programs specifically for MSME clients. Define and execute the product roadmap aligned with business growth objectives. Business Ownership & P&L Management Drive key business KPIs including portfolio growth, profitability, and productivity. Monitor key portfolio metrics like delinquency rates, channel/location mix, and unit economics. Customer & Market Insights Leverage customer feedback, market research, and competitor benchmarking to enhance product offerings. Continually refine the value proposition and pricing based on evolving market dynamics. Cross-Functional Collaboration Work closely with Credit, Sales, Risk, and Operations teams to ensure seamless execution and product success. Lead go-to-market planning and support sales enablement initiatives. Qualifications & Experience Postgraduate degree required CA or MBA preferred. Minimum 3 years of experience in the BFSI sector, with exposure to lending or product management. Strong business acumen with the ability to manage product P&L. Proven ability to work with cross-functional teams and drive results in a dynamic, fast-paced environment. Excellent analytical, communication, and stakeholder management skills. Qualification : CA or MBA preferred

Job Title: Team Leader Collection Process Location: Mumbai Experience: 1 6 Years Job Summary: We are seeking an experienced and motivated Team Leader for our Collections process in a domestic BPO setup, preferably with a background in banking collections. The ideal candidate will be responsible for overseeing daily operations, ensuring team performance, and driving key business metrics. Key Responsibilities: Lead, manage, and support a team of 10 15 collection agents. Oversee day-to-day operations, address team challenges, and ensure smooth workflow. Monitor and drive team performance based on Scorecard metrics. Create and manage agent schedules to ensure adequate coverage and attendance. Conduct weekly team reviews and performance discussions. Foster team engagement, address concerns, and implement solutions through regular team meetings. Ensure staff retention, manage attrition, and maintain a high Employee Satisfaction (ESAT) score. Support the team in achieving and exceeding collection targets and organizational goals. Desired Candidate Profile: Graduate in any discipline. Prior experience as a Team Leader in a domestic BPO, preferably in a collections process. Strong understanding of throughput calculations including attrition and shrinkage. Proven ability to manage team KRA/KPI performance effectively. Excellent communication, leadership, and interpersonal skills. Ability to motivate and guide a team towards consistent high performance. Qualification : Graduate in any discipline

Business Analyst Risk P&L Location: Mumbai Company: Qube Research & Technologies (QRT) Job Type: Full-Time About QRT Qube Research & Technologies (QRT) is a global quantitative and systematic investment manager, operating across all liquid asset classes. We are a technology- and data-driven firm that applies a scientific approach to investing. Our collaborative and innovation-focused culture enables us to address the most complex challenges and consistently deliver high-quality returns for our investors. Role Overview We are seeking a skilled Business Analyst Risk P&L to join our team in Mumbai. This role is critical for ensuring seamless coordination between Risk Managers, Trading Desks, Technology Teams, and Operations. You will be responsible for risk and P&L analysis, system enhancements, data reconciliation, and contributing to strategic initiatives. Key Responsibilities Collaborate with traders, risk managers, and stakeholders to gather, analyze, and define business requirements related to risk and P&L systems. Reconcile daily/weekly/monthly Risk and P&L figures between internal systems and external parties. Prepare detailed financial and reconciliation reports for senior management. Use tools such as SQL and Python for data extraction, transformation, analysis, and reporting. Coordinate with cross-functional teams, including IT, Operations, and external vendors, to ensure timely project delivery and system enhancements. Proactively identify process inefficiencies and recommend improvements. Act as a key point of contact for risk and P&L related queries across the organization. Required Qualifications and Experience Experience: 4 7 years in a similar Business Analyst or technical role within financial services, preferably with exposure to trading or investment environments. Technical Skills: Strong knowledge of databases (SQL) and data analysis tools. Proficiency in Python or other programming languages is highly preferred. Domain Knowledge: Solid understanding of financial markets and instruments (equities, derivatives, etc.). Familiarity with Risk Management concepts and P&L reporting. Analytical Skills: Exceptional problem-solving ability and attention to detail. Ability to interpret and reconcile complex financial data. Soft Skills: Excellent communication skills both written and verbal. Effective collaboration skills across departments and with senior stakeholders. Why Join QRT Diverse & Inclusive Culture: We are committed to equality and encourage diverse perspectives that drive better outcomes. Work-Life Balance: QRT supports employees with wellness programs and flexible work arrangements. Innovation-Focused: Be part of a high-performing team that values continuous learning, curiosity, and ingenuity. Global Impact: Contribute to sophisticated risk and trading systems that operate on a global scale.

BFSI Enterprise Director Location: Mumbai, India As part of our rapidly expanding Enterprise business, we are looking for a BFSI Leader to scale the business in the India region. You will lead a team of professionals and be responsible for multiplying consumption, new customer acquisition, and developing the ecosystem. You will inherit a team of seasoned campaigners, passionate about building a data ecosystem in the India region, technically knowledgeable, and have a desire to help customers and partners succeed. You will report to the Head of Enterprise business, India Region. The Impact You Will Have: Scale a team of motivated Enterprise Account Executives to increase growth in the BFSI domain. Inspire a culture of teamwork, leading with value, and achieving desired customer outcomes. Develop trust-based relationships with customers and partners to ensure long-term success. Encourage learning and ongoing understanding of technical product details and our future product roadmap. Lead our BFSI Enterprise growth plans, ensure forecast accuracy, and drive a predictable, high-growth business. What We Look For: Desire to build a collaborative, inspired team culture. Alignment with our core values: customer obsession, teamwork, ownership, and data-driven decision making. 15+ years of experience building a high-growth sales team serving BFSI customers. Experience in the Big Data, Cloud, or SaaS Sales industry. A history of exceeding sales quotas in similar high-growth Enterprise software companies. Understanding of value selling and structured methodologies (e.g., MEDDPICC, Challenger, Command of Message). Knowledge of developing the partner ecosystem to help grow strategic enterprise territories. Success in implementing strategies for usage and booking-based sales revenue models. Enterprise BFSI experience coupled with Cloud Data & AI experience is highly desirable. About Databricks: Databricks is the data and AI company. More than 10,000 organizations worldwide including Comcast, Cond Nast, Grammarly, and over 50% of the Fortune 500 rely on the Databricks Data Intelligence Platform to unify and democratize data, analytics, and AI. Databricks is headquartered in San Francisco, with offices around the globe, and was founded by the original creators of Lakehouse, Apache Spark , Delta Lake, and MLflow. Benefits: At Databricks, we strive to provide comprehensive benefits and perks that meet the needs of all of our employees.

Job Description: We are seeking a Murex Back Office Specialist with 3 to 7 years of experience, specializing in back-office processes and accounting issues. The ideal candidate will possess a deep understanding of the Murex platform, particularly in the Back Office (BO) stream, and will be an expert in managing post-trade processes, deal validation, nostro settlements, and accounting. As a Murex Back Office Specialist, you will handle the day-to-day operations related to the back office and accounting, ensuring that all processes are executed accurately and efficiently. Responsibilities: Back Office & Accounting Management: Handle back-office and accounting issues, including change requests. Provide support in managing workflow handling, OSP rights, and usage for various asset classes. Oversee nostro settlements, deal validation, and accounting in the Murex platform. Business Requirements & Documentation: Prepare business requirement documents and manage developers for changes. Design layouts and pricing templates based on gathered requirements. Implement necessary changes to the system and prepare for testing. Testing & Issue Resolution: Conduct test case executions and manage user testing. Troubleshoot/debug issues, explain them to stakeholders, and implement fixes. Asset Classes & Configuration: Experience in handling accounting configurations in Murex. Support in the development of OSP, settlement instructions, and accounting configurations for different products. Reporting & Documentation: Generate reports and leverage OSP, static data, and deal bookings for testing. Provide support for document generation, swift/RTGS settlements, and post-trade workflows. Technical Skills & Qualifications: Capital Markets Knowledge: Strong understanding of capital markets and the post-trade life cycle. Murex BO Stream Knowledge: Experience with Murex BO stream, particularly dealing with deal validation, cashflow position monitoring, nostro settlements, accounting, and OSP handling. SQL & Mx-Excel: Proficiency in SQL and Mx-Excel for analysis, troubleshooting, and reporting. Post-Trade Rules & Configuration: Experience with post-trade rules, document generation, and settlement configurations in Murex. Experience in Asset Classes: Exposure to major asset classes and knowledge of how Murex handles these processes throughout the trade life cycle. Experience: 3 to 7 years of hands-on experience working with Murex, specifically in back-office processes. Strong understanding of settlements, accounting, and configuration management in the Murex environment. Proficient in developing OSP, settlement instructions, and accounting configurations for various asset classes. Synechron s Diversity & Inclusion Statement: Diversity and Inclusion are at the heart of Synechron's culture. We strongly believe that a diverse workforce fosters stronger businesses and an environment where everyone can excel. We are an equal-opportunity employer and encourage applicants from diverse backgrounds, ethnicities, genders, sexual orientations, religions, and abilities to apply. Our commitment to Diversity, Equity, and Inclusion (DEI) ensures that we create an inclusive environment that fosters equality for all.

Position: Analytics Client Service Manager Location: Mumbai Department: Client Coverage Global Client Service Team About the Role We are looking for a seasoned Analytics Client Service Manager to join our Client Coverage team in Mumbai. The Global Client Service team at MSCI consists of experienced financial professionals who provide first-level support to our global client base. This team is responsible for handling a broad range of queries related to methodology, product usage, interpretation, and technical aspects across our analytics and benchmark product suite. The team engages with clients primarily through email and phone and works closely with Sales, Consultants, and internal teams to ensure seamless client engagement and satisfaction. Key Responsibilities Team Leadership and Development Recruit, onboard, and coach team members, equipping them with the skills and product knowledge they need to succeed. Establish clear performance expectations and conduct regular performance evaluations. Foster a culture of collaboration, continuous learning, and positive team dynamics. Client Relationship Management Develop strong, trust-based relationships with clients to understand their evolving needs and business goals. Serve as the escalation point for complex client issues, ensuring swift and effective resolution. Maintain regular communication with clients, providing proactive updates, gathering feedback, and ensuring overall satisfaction. Service Delivery Oversight Manage the delivery of analytics support services, ensuring all client requests are addressed promptly and with the highest quality. Establish and refine standard operating procedures (SOPs) to maintain service consistency. Track and analyze service performance metrics to identify trends, gaps, and areas for improvement. Product Expertise and Knowledge Sharing Ensure the team maintains deep product knowledge, enabling them to confidently advise clients on the optimal use of MSCI s analytics tools. Organize regular training and knowledge-sharing sessions to keep the team up to date. Stay informed on product enhancements and industry trends to ensure the team provides relevant and value-driven support. Reporting and Insights Generate regular performance reports, tracking key service metrics and client satisfaction scores. Provide actionable feedback based on client interactions to internal teams, helping shape product and service improvements. Present insights and strategic recommendations to senior management to continuously enhance the client service function. Strategic Operations and Process Optimization Develop and execute strategic plans aimed at enhancing the client service offering. Identify and implement process improvements to increase efficiency and elevate client experience. Ensure alignment between team objectives, broader MSCI goals, and client needs. Skills and Experience That Drive Success 12+ years of professional experience, including proven experience in client service roles, ideally within analytics or related industries. Excellent English communication skills both written and verbal with the ability to convey complex information clearly and persuasively. Strong presentation and report-writing capabilities. Strong execution skills, with the ability to monitor and manage team performance using reports, dashboards, and other tracking tools. Analytical mindset with strong problem-solving abilities, particularly in numerical analysis using Microsoft Excel. Hands-on experience managing escalations and resolving complex client issues effectively. Demonstrated people management experience, with the ability to lead large teams and oversee service delivery operations. A Bachelor s degree in Finance, Engineering, Mathematics, Statistics, Economics, or a related field. Professional certifications like CFA or FRM are a plus. About MSCI At MSCI, our mission is to power better investment decisions. With over 50 years of expertise in research, data, and technology, we provide critical decision-support tools to the global investment community. Our innovative, research-enhanced solutions empower clients to understand risk, optimize performance, and build better portfolios. Competitive compensation packages and comprehensive benefits designed to support your financial security, health, and well-being. Flexible work options, advanced technology, and collaborative office environments. A culture that encourages innovation, accountability, and experimentation. A global community of talented colleagues who inspire, support, and collaborate to drive innovation and deliver client value. A structured Global Orientation Program, along with continuous access to learning platforms like Learning@MSCI and LinkedIn Learning Pro, plus tailored development opportunities. Multi-directional career paths, offering both vertical growth and lateral opportunities within MSCI. A commitment to diversity, equity, and inclusion, championed through our Employee Resource Groups including All Abilities, Asian Support Network, Black Leadership Network, Climate Action Network, Hola! MSCI, Pride & Allies, Women in Tech, and the Women s Leadership Forum. At MSCI, you will join a team of curious, innovative, and entrepreneurial minds who are passionate about driving meaningful change in the investment industry. This is where you can push boundaries, challenge yourself, and exceed expectations for yourself, our clients, and our industry. Qualification : A Bachelors degree in Finance, Engineering, Mathematics, Statistics, Economics, or a related field. Professional certifications like CFA or FRM are a plus.