Regulatory Requirements Jobs in Gurgaon

Medical Coder, Revenue Cycle Management (RCM) Location: Gurugram, India Employment Type: Full-time Department: Global Operations About Commure Commure develops AI-powered healthcare solutions to reduce administrative burdens on providers, enabling them to focus on patient care. Our technologies cover clinical documentation, revenue cycle management, patient engagement, and more supporting over 250,000 clinicians across hundreds of care sites nationwide. Role Overview We are looking for an experienced Inpatient Medical Coder with expertise in ICD-10-PCS, DRG assignment, and facility-based Emergency Department (ED) coding. The ideal candidate is detail-oriented, quality-focused, and adept at delivering accurate and compliant coding aligned with regulatory and payer guidelines. Key Responsibilities Assign accurate ICD-10-PCS and DRG codes for inpatient and facility-based ED records. Ensure coding compliance with regulations and payer-specific rules. Collaborate with onshore and India teams to resolve coding queries and ensure timely processing. Keep updated on coding guidelines, regulatory changes, and payer requirements. Consistently meet daily productivity and quality targets. Required Qualifications CCS (Certified Coding Specialist) credential (mandatory). Minimum 1 year of inpatient facility coding experience (preferably 2-3 years). Strong knowledge of: DRG assignment ICD-10-PCS coding Facility-based ED coding Experience with US inpatient medical records. Excellent attention to detail and documentation review skills. Preferred Qualifications Dual certification with CPC (AAPC) along with CCS. CIC (AAPC) certification holders must also have CPC and inpatient coding expertise. Familiarity with coding software platforms and EMR systems. Mission-Driven: Impact healthcare by simplifying provider workflows. Strong Investor Support: Backed by General Catalyst, Sequoia, Y Combinator, and more. Rapid Growth: Achieved over 500% YoY growth before merger; continuing fast scaling. Competitive Benefits: Flexible PTO, medical, dental, vision, parental leave (location dependent).

Product Analyst - Team Lead (Risk) Location: Gurugram, Haryana (On-site) Company: Paytm India s Leading Mobile Payments & Financial Services Platform About Paytm Paytm is India s pioneer in mobile payments and financial services distribution, transforming commerce for millions of small businesses. Our mission is to empower half a billion Indians by bringing them into the mainstream economy using innovative technology. About the Team The Credit Risk Product Team plays a critical role in lending by developing efficient, scalable, and compliant risk assessment models. The team partners with data scientists, engineers, and business stakeholders to refine underwriting processes through advanced analytics and machine learning optimizing loan performance and minimizing defaults. Role Overview We are looking for a detail-oriented Product Analyst to lead credit risk initiatives. In this role, you will implement and optimize credit risk policies while ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance underwriting models and risk decision frameworks. Key Responsibilities Analyze credit risk across multiple credit products, such as credit cards, merchant loans, and personal loans. Collaborate with business teams to understand and implement credit risk policies on the platform. Monitor and evaluate the performance of risk policies; provide actionable feedback to Product and Policy teams. Leverage alternative data sources, machine learning models, and traditional credit assessments to improve risk evaluation. Conduct testing, scenario analysis, and policy resilience measurement. Track key risk indicators (KRIs) and generate insights for management. Ensure compliance with regulatory guidelines and internal risk frameworks. Work with product and technology teams to embed risk-based decision-making into lending workflows. Qualifications 1 2 years of relevant experience, preferably in fintech or banking. Strong proficiency in SQL and Python for data analysis and manipulation. Basic understanding of APIs and streaming platforms like Kafka is a plus. Excellent analytical, problem-solving, and communication skills. Ability to thrive in a fast-paced, dynamic environment and collaborate cross-functionally. Educational background: B.Tech from reputed institutes like NIT, BITS, or equivalent. Be part of India s largest fintech lending ecosystem with 500+ million users and 21+ million merchants. Work in a fun, energetic environment designed to help you reach your full career potential. Unique opportunity to shape India s largest digital lending story and drive financial inclusion.

Job Title: Business Head Location: Gurgaon, India Job Type: Full-Time Experience Level: 10-17 Years About the Role As the Business Head at our organization, you will be a pivotal driver of growth and success. You will lead our go-to-market strategy, sales, and marketing efforts, build strong relationships with clients, and drive revenue growth. This is a high-impact role where you will make key strategic decisions to elevate our business to the next level. Key Responsibilities 1. Business Development and Partnerships Identify and pursue new business opportunities with enterprise, startup, and mid-stage clients across various sectors. Build and maintain strong relationships with key decision-makers and stakeholders, ensuring long-term partnerships. Negotiate and close deals that align with the company s growth targets and drive revenue expansion. 2. Sales and Marketing Strategy Develop and execute sales and marketing strategies aimed at increasing brand awareness and improving market penetration. Lead and oversee the sales and marketing team, providing the necessary guidance and support for team members. Continuously analyse market trends and the competitive landscape to make informed and strategic business decisions. 3. Team Leadership Recruit, hire, and develop a high-performing sales and marketing team that drives business objectives. Create a positive and collaborative work environment that encourages creativity, innovation, and teamwork. Provide mentorship and coaching to team members, fostering professional growth and development. 4. Operational Excellence Implement efficient systems and processes to optimize business operations and ensure smooth workflow. Monitor key performance indicators (KPIs) to measure success, identify areas for improvement, and ensure the business stays on track. Ensure compliance with regulatory requirements and industry standards, mitigating risks across operations. Skills and Qualifications Experience: 8+ years of experience in the SaaS, Fintech, or banking industry. Proven enterprise sales and software sales experience, with an established network of clients and industry connections. Key Skills: Leadership Skills: Strong ability to lead, motivate, and influence teams and stakeholders at all levels within the organization. Business Acumen: Deep understanding of business fundamentals, including finance, marketing, and sales strategies. Strong Communication Skills: Exceptional written and verbal communication skills to effectively convey complex ideas and build rapport with clients and internal teams. Problem-Solving: Ability to identify and resolve issues quickly and effectively, ensuring business continuity. Data-Driven Approach: A strong focus on making decisions based on data-driven insights and performance metrics. Technical Proficiency: Familiarity with SaaS products, technology trends, and digital transformation in the business space. Relationship-Building: Expertise in building and nurturing strong relationships with clients, partners, and stakeholders. Entrepreneurial Mindset: A passion for innovation, a keen eye for business opportunities, and a willingness to take on challenges in a fast-paced environment. Additional Requirements: Travel Requirement: Willingness to travel up to 50% for client visits, both inter and intra-city. Leadership Opportunity: Take on a key leadership role with significant influence over the company's direction and growth. Dynamic Environment: Thrive in a fast-paced and innovative work environment where every day brings new challenges and opportunities. Career Growth: Expand your career horizons while making a significant impact on the company s success. Competitive Compensation: Enjoy a competitive salary, performance incentives, and a comprehensive benefits package. Apply Now to become the Business Head at our company and drive the next phase of success in the SaaS, Fintech, or banking sectors.

Senior Role in Risk Management Location: Gurugram, India Employment Type: Full-Time Experience: 3 7 Years About OXYZO Financial Services Ltd. OXYZO Financial Services Ltd. is a leading Fintech NBFC, revolutionizing B2B lending for SMEs and Emerging Corporates across India. We are part of the OfBusiness Group and have built a robust AUM of 7,700 Cr, delivering strong PAT of 300 Cr last year. Operating in over 20+ cities, we provide financing solutions that are transforming key industries, including Manufacturing, Engineering, Textiles, and Logistics. Backed by marquee investors like Creation Investments, Matrix Partners, Norwest, Tiger Global, and Alpha Wave, we are rapidly expanding and scaling our business. Role Overview We are looking for an experienced Risk Management Senior Professional to join our Risk Team and work directly with the Chief Risk Officer (CRO). In this role, you will be responsible for implementing advanced risk frameworks, developing and managing risk models, and ensuring strong risk mitigation strategies are in place across the organization. Your expertise in credit risk, operational risk, and financial controls will play a critical role in maintaining the safety, security, and compliance of the lending portfolio. Key Responsibilities Develop Risk Frameworks: Implement and manage the ICAAP (Internal Capital Adequacy Assessment Process) and ALM (Asset Liability Management) frameworks. Develop and execute HQLA (High-Quality Liquid Assets) management strategies. Credit Risk Models: Build and deploy ECL Models (Expected Credit Loss), including calculating PD (Probability of Default), EAD (Exposure at Default), and LGD (Loss Given Default). Develop risk grading models for credit risk classification across various portfolios. Operational Risk Management: Identify, assess, and monitor operational risks across lending portfolios, outsourcing activities, and internal financial controls. Work on developing and implementing Early Warning Systems (EWS) for fraud risk management and transaction monitoring. Cyber & Data Security: Collaborate with the CISO (Chief Information Security Officer) to address data security, cybersecurity, and physical security risks. Implement and manage monitoring systems for suspicious transactions and cash transactions. Risk Mitigation & Assessments: Conduct regular risk assessments of the portfolio, including QML (Quality Migration Ladder), DPD (Days Past Due) analysis, and staging. Ensure that risk mitigation strategies are identified, documented, and executed in a timely manner. Emerging Risks & Regulatory Compliance: Identify emerging risks, including geopolitical, strategic, or regulatory risks. Provide insights into macro-risk indicators and proactively manage these risks. Coordinate with internal auditors, external auditors, and regulatory bodies for audits and inspections. What We Are Looking For Educational Qualifications: Master s degree or professional certifications like MBA (Finance), FRM (Financial Risk Manager), CFA, CA, CMA, or CS. Minimum of 3 years of experience in Risk Management within a Bank or NBFC. Skills & Expertise: Strong understanding of risk management frameworks, regulatory requirements, and industry best practices. In-depth knowledge of credit risk models, operational risk management, and financial controls. Good technical understanding of the financial sector, especially in the context of B2B lending. Soft Skills: Strong communication and interpersonal skills to work effectively across departments. Ability to lead projects and make key decisions in a fast-paced, high-pressure environment. Fast-track Career Growth Ample opportunities for personal and professional growth. High-Impact Roles Be part of high-stakes projects with significant business impact. Ownership & Autonomy Lead initiatives with full ownership and decision-making power. Exceptional Peer Group Work alongside some of the best talent in the industry. Enjoyable Workplace Culture Join a team that values collaboration, respect, and innovation. Competitive Pay & Rewards Attractive compensation package with performance-driven incentives.

At Stryker, we offer a comprehensive total rewards package, including bonuses, healthcare, insurance benefits, retirement plans, wellness programs, and more. We also offer service and performance awards, along with various social and recreational activities all tailored to each location. Job Description What You Will Do: Lead the design, development, modification, and verification of components, modules, and sub-systems for medical devices, transforming user needs into design specifications. Drive advanced prototyping and testing, solving complex product design issues with independence and innovation. Leverage deep knowledge of customer needs, market trends, and clinical procedures to shape design inputs and author comprehensive solutions. Participate in Voice of Customer sessions with internal teams and clinicians to better understand and incorporate feedback into product development. Mentor team members on the use of industry standards, including design requirements, test strategies, and regulatory compliance. Manage and refine engineering documentation, such as the Design History File, and follow R&D procedures for design controls and risk management within our Quality Management System. General Responsibilities: Collaborate with cross-functional teams, including R&D, Quality, Manufacturing, Regulatory, Clinical, Marketing, and Project Management, to ensure project success. Drive projects through the design, development, and launch phases while delivering high-quality results that meet business priorities. Foster partnerships within teams to achieve common business objectives and provide leadership throughout the development process. Minimum Qualifications (Required): Bachelor s degree in engineering (mechanical, biomedical, or related field) with 7-10 years of professional experience. Preferred Qualifications (Strongly Desired): Expertise in designing mechanical/electromechanical systems with a focus on Design for Manufacturability (DFM). Proficient in creating engineering drawings, models, and applying GD&T and CAE tools. Solid understanding of materials and manufacturing processes applied to product design. Strong communication skills, with the ability to explain complex technical information to team members. Health Benefits: Medical, dental, and vision insurance Prescription drug coverage Critical illness, accident, and hospital indemnity insurance Personalized healthcare support, wellness programs, and tobacco cessation Financial Benefits: Health Savings Account (HSA) and Flexible Spending Accounts (FSA) 401(k) plan with company match Employee Stock Purchase Plan (ESPP) Life insurance, short-term disability insurance About Stryker: Stryker is a global leader in med-surg, neurotechnology, and orthopedics, impacting over 150 million patients each year. We work closely with healthcare professionals to develop innovative solutions that improve patient outcomes. Depending on role requirements, employees may need to obtain certain vaccinations to access customer accounts. Qualification : Bachelor of Science in Engineering, Mechanical Engineering, or BioMedical & 7-10 years of work experience.

We proudly offer a comprehensive total rewards package, including bonuses, healthcare, insurance benefits, retirement plans, wellness programs, and performance awards. You ll also have access to social and recreational activities tailored to your location. Job Description What You Will Do: Ensure compliance with Quality Management Systems (QMS) in line with internal and external regulatory requirements, including but not limited to FDA, ISO, MDD, FGO EU, and country-specific regulations. Contribute to the development of an optimized QMS that aligns with corporate, divisional, and global QMS requirements. Assess and quantify QMS support requirements, ensuring the right structure is in place for effective service delivery. Promote Good Manufacturing Practices (GMP) and Good Documentation Practices (GDP) within the Quality department. Identify and implement opportunities for continuous improvement to enhance the efficiency and effectiveness of QMS processes. Develop and deliver QMS-related training and compliance programs for the team. Assist in the development, maintenance, and continuous improvement of QMS policies, procedures, and systems. Implement best-in-class QMS practices, benchmark against industry leaders, and ensure alignment with regulatory requirements. Ensure QMS accurately reflects actual business activities and supports New Product Introduction (NPI) needs. Contribute to the development or modification of regional/local QMS in a project environment. Participate in IT discussions, offering insights from a QMS perspective, and contribute to SRS/URS activities as needed. Support the business during audits, providing insights into system functionality. What You Need: Required: B.Tech (Electronics, Electrical, or Mechanical) with 5-7 years of experience in supplier quality. Knowledge of ISO 13485, FDA, EUMDR, and regional medical device regulatory requirements. Strong communication skills to effectively share information with team members, leaders, management, and suppliers. Experience supporting third-party inspections (FDA, notified body, etc.) within the medical device industry. Understanding of quality systems and web-based interactions. Excellent interpersonal skills for collaborating with cross-functional teams (engineering, R&D, manufacturing, and regulatory affairs). Proven ability to execute and lead projects, with a strong understanding of project stages. Proficiency in improvement methods and processes. Preferred: Understanding of medical device regulatory compliance (ISO 13485, CFR 820, or equivalent). Strong communication and influencing skills, with the ability to manage multiple tasks and represent the quality function across teams. ISO 13485 Lead Auditor certification or equivalent. Health Benefits: Medical, dental, and vision insurance Prescription drug coverage Critical illness, accident, and hospital indemnity insurance Personalized healthcare support, wellness programs, and tobacco cessation Financial Benefits: Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) 401(k) plan with company match Employee Stock Purchase Plan (ESPP) Life insurance, short-term disability insurance About Stryker: Stryker is a global leader in MedSurg, neurotechnology, and orthopedics, helping improve patient and healthcare outcomes. Every year, we impact over 150 million patients globally. Depending on role requirements, employees may need to obtain vaccinations as an essential function of their role when accessing customer accounts. Qualification : B.Tech (Electronics/Electrical/Mechanical) with 5-7 years of experience in Supplier quality.

We offer a comprehensive total rewards package, including bonuses, healthcare, insurance benefits, retirement programs, wellness initiatives, and performance awards. We also provide various social and recreational activities tailored to each location. Job Description Key Responsibilities: Ensure compliance with supplier control activities as outlined by the organization. Lead PPAP (Production Part Approval Process) for new product launches and manage production cycles post-launch, including manufacturing transfers. Collaborate with cross-functional teams to develop new products or make changes to existing ones to meet customer requirements. Apply systematic problem-solving methodologies (5Why, DMAIC, 8D, and C&E) to resolve quality issues, manage NC (non-conformance) and CAPA (corrective and preventive actions), and drive root cause analysis. Promote continuous improvement initiatives such as Lean, Six Sigma, Poka-Yoke (error proofing), MSA (measurement system analysis), SPC (statistical process control), and pFMEA (process failure mode and effects analysis). Analyze quality data to identify opportunities for process improvement across the supply chain. Coordinate change management and control with suppliers, ensuring the successful implementation of changes. Oversee process and equipment validation (IQ, OQ, PQ), special process validations, and test method validations. Inspect and test materials, equipment, processes, and products to ensure adherence to quality specifications. Prioritize and deliver First Article Inspections (FAIs) for both sustaining and development projects. What You Need: Must-Have Skills: B.Tech (Electronics, Electrical, or Mechanical) with 5-9 years of experience in a quality, engineering, or manufacturing environment. Strong knowledge of quality tools such as PPAP, Six Sigma, SPC, FMEA, control plans, root cause analysis, Poka-Yoke, Kaizen, and lean manufacturing. Ability to implement and improve supplier quality tools and processes and effectively train suppliers. Proficient in MS Office Suite (Word, Excel, PowerPoint, etc.). Strong interpersonal skills for working with cross-functional teams (engineering, R&D, manufacturing, and regulatory affairs). Good-to-Have Skills: Understanding of medical device regulatory compliance (ISO 13485, CFR 820, or similar standards/regulations) and the EU's Medical Device Directive. Excellent communication and influencing skills, with the ability to manage multiple tasks and represent the quality function across teams. ASQ Certified Quality Engineer (CQE) certification. In-depth knowledge of technology and regulatory requirements related to products, systems, and services. Health Benefits: Medical, dental, and vision insurance Prescription drug coverage Critical illness, accident, and hospital indemnity insurance Personalized healthcare support, wellness programs, and tobacco cessation Financial Benefits: Health Savings Account (HSA) and Flexible Spending Accounts (FSAs) 401(k) plan with company match Employee Stock Purchase Plan (ESPP) Life insurance and short-term disability insurance About Stryker: Stryker is a global leader in med-surg, neurotechnology, and orthopedics, dedicated to improving patient and healthcare outcomes. Each year, we impact over 150 million patients worldwide. Depending on role requirements, employees in sales and field roles may be required to obtain vaccinations to access customer accounts as an essential part of their role.

About dunnhumby dunnhumby is the global leader in Customer Data Science, helping businesses around the world thrive in today s data-driven economy. Guided by our Customer First philosophy, we enable businesses to grow by championing and advocating for their customers. With deep roots in retail one of the world s most competitive and data-rich industries dunnhumby s expertise now spans multiple sectors, empowering leading brands like Tesco, Coca-Cola, Meijer, Procter & Gamble, and Metro. Our diverse team of nearly 2,500 experts works from offices across Europe, Asia, Africa, and the Americas, driving transformative solutions for some of the most recognized brands globally. About the Role We are seeking an Engineering Manager who is passionate about platform engineering and ready to drive innovation. This is a fantastic opportunity to lead the design and development of a robust, scalable Application Development Platform, collaborating closely with application developers to equip them with the tools and services they need to excel. As part of the Platform Engineering Team, you will focus on creating a reliable and scalable platform using GCP and Azure, while developing critical common services. You ll implement tools like Terraform, ArgoCD, and Kubernetes to optimize the CI/CD pipeline, ensuring seamless, rapid, and reliable software releases. Additionally, you will implement monitoring and performance optimization strategies using tools such as Prometheus, Grafana, and New Relic, ensuring top-tier availability, reliability, and performance. Security will also be a core focus implementing best practices around network security, access controls, and data protection. This role provides the perfect blend of technical leadership, hands-on engineering, and innovation, staying at the forefront of emerging technologies and industry trends within DevOps and Platform Engineering. What You ll Do Technical Leadership & Delivery Lead the design, implementation, and maintenance of infrastructure and deployment pipelines for the platform and services. Develop and enhance our cloud infrastructure on GCP and Azure, leveraging Infrastructure as Code tools like Terraform and CloudFormation. Implement and manage containerized environments using Docker and Kubernetes. Build and optimize CI/CD pipelines using tools like Octopus, GitLab, and TeamCity. Oversee the development of common services to streamline and standardize development across teams. Monitoring & Performance Optimization Deploy and manage monitoring and visualization tools, including Prometheus, Grafana, and New Relic. Drive performance tuning and capacity planning to ensure smooth platform operations. Security & Compliance Define and enforce security best practices across the platform, from network security to access management and data protection. Lead initiatives to enhance the security posture of the platform, ensuring compliance with regulatory and internal requirements. Collaboration & Mentorship Work closely with application development teams to understand their needs and align platform capabilities with development workflows. Mentor and guide engineers, fostering a culture of continuous learning, collaboration, and technical excellence. Innovation & Continuous Improvement Stay ahead of industry trends and bring innovative tools and approaches into the team s practices. Advocate for automation and streamlined processes to enhance team productivity and platform reliability. What You ll Bring 10+ years of experience in platform engineering, infrastructure development, or DevOps, including experience in a leadership role. Strong expertise in cloud platforms especially GCP and Azure and experience building infrastructure using Terraform and/or CloudFormation. Hands-on experience with containerization using Docker, and managing production workloads in Kubernetes. Proficiency in at least two programming languages, such as Python and GoLang. Solid understanding of CI/CD tools such as Octopus, GitLab, or TeamCity. Familiarity with monitoring tools like Prometheus, Grafana, and New Relic. Proficiency in scripting languages such as Bash or PowerShell. Strong understanding of networking principles and security best practices. Proven leadership and team management skills, with the ability to mentor and guide a cross-functional team. Excellent communication and collaboration skills, capable of working across teams and presenting ideas clearly to both technical and non-technical stakeholders. Ability to thrive in a fast-paced, agile environment while maintaining focus on quality. Experience with GitOps methodologies and tools like ArgoCD is highly desirable. Prior experience in a team lead or engineering manager role is a strong plus. What You Can Expect from Us At dunnhumby, we believe in exceeding expectations yours and ours. You ll enjoy a competitive compensation package, along with benefits designed to support your health, well-being, and work-life balance. Some of what we offer includes: Flexible working hours and the freedom to shape your workday. Your birthday off, so you can celebrate you. Investment in cutting-edge technology to support your work. A nimble, fast-paced environment where you have the freedom to experiment, learn, and innovate. At dunnhumby, you ll join a team where curiosity, creativity, and collaboration thrive and where Customer First isn t just a mantra; it s our mission.

We are looking for a highly skilled Business Solution Architect specializing in Salesforce Financial Services Cloud (FSC) and OmniStudio. The ideal candidate will be responsible for designing and implementing technical solutions that align with business requirements, ensuring successful deployment within the Life and Voluntary Benefits domain. This role requires a deep understanding of Salesforce FSC, exceptional stakeholder management skills, and a strong focus on compliance and client-centric solutions. Responsibilities Ensure successful Salesforce FSC implementations by aligning business requirements with technical solutions Effectively manage stakeholders expectations and tackle scalability and performance challenges Navigate regulatory compliance issues to ensure adherence to industry regulations Strike the right balance between customized solutions and out-of-the-box functionality Collaborate with third-party vendors, engaging closely with end users and stakeholders Lead the technical vision and manage technological risks throughout projects Oversee ongoing activities, converting design concepts into practical IT operations Align IT strategy with the overall mission of the organization while analyzing business needs Monitor current technology trends to architect an effective information technology roadmap Realize technical implementation processes with a focus on client satisfaction Communicate effectively, manage stress, and maintain a proactive problem-solving approach under tight deadlines Handle multiple tasks and responsibilities with a product-oriented mindset Requirements 12 to 16 years of experience in a relevant field Profound expertise in Salesforce Financial Services Cloud (FSC) Capability to align and manage business and technical requirements within the Life and Voluntary Benefits domain Knowledge of regulatory compliance frameworks and capability to navigate related issues Excellent communication skills combined with a client-centric approach Qualifications in FSC and OmniStudio certifications Nice to have Experience in leading large-scale projects Familiarity with additional Salesforce products Understanding of advanced technical solution frameworks We offer Opportunity to work on technical challenges that may impact across geographies Vast opportunities for self-development: online university, knowledge sharing opportunities globally, learning opportunities through external certifications Opportunity to share your ideas on international platforms Sponsored Tech Talks & Hackathons Unlimited access to LinkedIn learning solutions Possibility to relocate to any EPAM office for short and long-term projects Focused individual development Benefit package: Health benefits Retirement benefits Paid time off Flexible benefits Forums to explore beyond work passion (CSR, photography, painting, sports, etc.) Qualification : Qualifications in FSC and OmniStudio certifications

Department Overview: The Sales and Business Enablement (SABE) team provides sales performance reporting and business enablement support. The Internal Governance team within SABE identifies, measures, assesses, reports, monitors, and controls operational risk exposures while ensuring compliance with regulatory and legal requirements. This position focuses on championing operational risk behaviors and actions across SABE processes and the overall implementation and governance of the risk framework. Role Overview: As an Operational Risk Analyst, you will support the development and implementation of the operational risk framework for SABE, ensuring effective risk management within processes. You will collaborate with multiple teams, perform independent testing, manage risk events, and drive continuous improvements in the risk management process. Key Responsibilities: Risk Framework Development: Support the development of an operational risk framework to ensure effective risk management within SABE processes. Communication & Training: Facilitate the understanding and use of the risk governance framework through regular communication across SABE processes. Collaboration with Governance Groups: Engage with SABE functional teams, GSG Control Management, and other governance groups (e.g., SoX office, GRC) to design and implement robust controls. Independent Testing: Conduct independent testing to monitor the effectiveness of risk controls. Audit Support: Support SABE functional teams in internal and external audits. Proactive Risk Identification: Identify high-risk areas and help implement proactive interventions. ORE Management: Manage operational risk events end-to-end, develop robust action plans to mitigate risks, and ensure timely closure. PRSA Management: Oversee the PRSA refresh exercise, adhering to internal policies and guidance. Required Qualifications: Experience: 5+ years of experience in financial services, particularly in operations, operational risk management, or audits. Education: Bachelor s degree in Business, Finance, Risk Management, or a related field. Risk Management Knowledge: Understanding of the operational risk management lifecycle and experience with tools such as Archer. Skills: Strong project management, communication, and collaboration skills. Ability to adapt quickly to changing priorities and handle multiple tasks. Interpersonal Skills: Ability to influence outcomes and build strong relationships with colleagues and partners. Self-motivation: A strong team player with the ability to manage multiple workstreams independently. Leadership Outcomes: Enterprise Thinking: Align the role s agenda with enterprise priorities, balancing the needs of customers, partners, colleagues, and shareholders. Innovation: Challenge the status quo and bring continuous innovation to the offerings. Decision Making: Demonstrate learning agility and make quick, high-integrity decisions. Customer Experience: Lead with a digital mindset to deliver the world s best customer experiences every day. Benefits & Perks: Competitive Compensation: Base salary with bonus incentives. Health & Wellness: Comprehensive medical, dental, vision, life insurance, and disability benefits (depending on location). Flexible Work Options: Hybrid, onsite, or virtual work arrangements based on role and business needs. Paid Parental Leave: Generous paid parental leave policies (depending on location). Wellness Support: Free access to global on-site wellness centers and confidential counseling support through the Healthy Minds program. Career Development: Opportunities for training and career growth. Equal Opportunity Employer: American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. Qualification : Bachelors degree in Business, Finance, Risk Management, or a related field.

The Team: Cappitech Enterprise provides Trade & Transaction Reporting services across various regimes for various asset classes, products & workflows. Our services enable financial institutions to do Reconciliation, Advanced Analytics, Exception Management and comply with regulatory requirements. With our processing services, buy-side and sell-side firms can optimize workflow efficiency and comply with new regulations. The Role: Cappitech Enterprise is seeking a Senior Business Analyst for Gurgaon, India in the Product Management team. The role is a critical part of our growth strategy for the region and focused on Regulatory Reporting solutions. What's in it for you: If successful the role will naturally expand into broader capabilities such as data, insights and analytics delivery to the Global marketplace. Responsibilities: Knowledge / experience in Regulatory Reporting or Trade & Transaction Reporting of OTC / ETD Derivatives is a must. Candidates who have worked on Regimes / Jurisdictions like CFTC, SEC, Canada, EMIR, FCA, MIFID II, ASIC, MAS, JFSA, HKMA, LBMA, South Korea would be preferred. A basic understanding of OTC & ETD derivatives terms and principals would be beneficial for the role Understanding of requirements elicitation, structured analysis, stakeholder management, use case definition and other Business Analysis techniques Understanding of ISO, FpML, XML Schemas, DTDs, XSL Transformation style sheets would be beneficial Able to produce structured analysis and design documents Able to work with Development during technical implementation phase & QA during testing to ensure implementation meets design and requirements Oversee Sanity, Component testing & review of Test Plans Able to conduct public presentation of concepts and ideas comfortably Able to identify options for potential solutions, including assessment of technical and business suitability Able to work collaboratively and consistently with team members at all levels, peers, senior analysts and managers and complex stakeholder group across geographical boundaries Able to work creatively, propose ideas and contribute to working groups and team meetings What We're Looking for: Bachelor or master s degree in business administration, technology, or similar discipline 5-12 years of relevant professional experience Prior Financial Services IT experience would be essential. Strong Analytical & Communication skills. Good Knowledge of requirements elicitation, structured analysis, requirement documentation, stakeholder management, use case definition and other Business Analysis techniques Exposure to SQL, DB, Object-oriented languages (general technology know-how), ISO 20022/XML/FpML/JSON/CSV would be desirable. Familiarity with OTC derivatives, clearing and regulatory reporting of OTC transactions would be beneficial Personal Competencies: Personal impact Self-directed and highly motivated individual Strong interpersonal skills Excellent oral and written communication skills Team player Ability to work under pressure Communication Excellent communicator in written and spoken English Excellent interpersonal skills Negotiation skills Teamwork Partner with distribution and delivery teams in different geographical locations About S&P Global Market Intelligence At S&P Global Market Intelligence, a division of S&P Global we understand the importance of accurate, deep and insightful information. Our team of experts delivers unrivaled insights and leading data and technology solutions, partnering with customers to expand their perspective, operate with confidence, and make decisions with conviction. Qualification : Bachelor or masters degree in business administration, technology, or similar discipline

The Team: The OSTTRA Technology team comprises professionals specializing in Capital Markets Technology, building, supporting, and securing applications that power our network. The technology landscape includes high-performance, high-volume applications, leveraging contemporary microservices and cloud-based architectures. The Impact: As a member of the OSTTRA Technology team, you will play a critical role in designing, building, and maintaining platforms that process over 100 million messages daily. Your work supports the automated trade processing across global capital markets, ensuring efficient settlement and compliance with regulatory requirements. What s in it for You: This role offers an opportunity to work with a highly motivated and dynamic team in Gurgaon, collaborating with colleagues across multiple global regions. You will have the chance to leverage your 12-15 years of experience in platform engineering and help shape the future of our expanding portfolio of Financial Services clients. Key Responsibilities: Platform Architecture: Design and architect scalable, resilient, and high-performance platform infrastructure for financial services. Team Leadership: Lead, mentor, and guide a team of engineers, fostering a culture of collaboration, innovation, and continuous improvement. Agile Project Delivery: Implement Agile methodologies (Scrum, Kanban) for efficient project delivery and task management. Automation & Optimization: Implement automation tools and scripts (e.g., Terraform, Ansible) to streamline infrastructure provisioning, deployment processes, and optimize cloud resource utilization. Security & Compliance: Enforce security best practices, conduct security audits, and ensure compliance with industry standards. Performance Optimization: Monitor platform performance, identify bottlenecks, and implement optimization techniques for better scalability and response times. Cloud Integration: Leverage cloud platforms (AWS, Azure, GCP) for scalable solutions and cost-efficiency. What We re Looking For: Experience: 15+ years of platform engineering experience, preferably in the Fintech industry. Cloud Expertise: Strong knowledge of cloud platforms (AWS, Azure, GCP) and containerization technologies (Docker, Kubernetes). Automation Skills: Proficiency with automation tools like Terraform, Ansible, and CI/CD pipelines (Jenkins, CircleCI). Agile Expertise: Deep understanding of Agile methodologies (Scrum, Kanban) with hands-on experience in Agile project delivery. Security & Compliance: Expertise in implementing security best practices and ensuring platform compliance. Additional Skills: Experience with serverless computing, microservices architecture, data engineering, and data pipelines. Cloud and Agile certifications (e.g., AWS, Azure, CSM, PSM) are preferred. As part of OSTTRA, you will be at the forefront of driving post-trade innovation and efficiency within the global financial markets. This is an excellent opportunity to contribute to a dynamic, evolving organization and work on cutting-edge platform technologies. Qualification : Proficiency in infrastructure automation tools (e.g., Terraform, Ansible).

Project Overview: OFSS BPO is seeking candidates to support back-office processes for the Correspondent Mortgage Divisions of a prominent US Residential Mortgage client. The role focuses on providing assistance in data entry, loan documentation, compliance assessments, and overall support for mortgage-related tasks. This is an exciting opportunity for individuals with 6 months to 3 years of work experience in the BPO sector, particularly in the Residential Mortgage or Financial Services domain. Candidates with experience in international BPO back-office processes are also encouraged to apply. Job Overview: Role: Associate The role will primarily involve working with the loan origination system, performing data entry, reviewing loan documents, running compliance tests, and ensuring that all required fields are accurately entered and validated. Associates will be tasked with ensuring that loan data meets regulatory requirements and quality standards, as well as handling any discrepancies that arise. Pre-Requisites: Education: Preferred: B.Com (Hons), B.Com (Pass), BBA, BCA, Economics Graduates Eligible: Engineering Graduates are welcome to apply. Soft / Behavioral Skills: Strong communication and comprehension skills. Good listening skills with a keen eye for details. Eagerness to learn and improve. Team player with collaborative work ethic. Open to working in night shifts and Indian holidays. Experience: Total Experience: 0.5 years to 3 years Relevant Experience: Experience in a back-office process for Residential Mortgage, Financial Services, or similar BPO processes is preferred. Key Technical / Functional Skills: Proficiency in MS Office and basic IT support applications. Typing speed: 30-35 words per minute with 90-95% accuracy. Good analytical and problem-solving skills. Ability to make informed decisions based on information gathered. Flexible with shift timings to meet operational needs. Special Requirements: Minimum 6 months of work experience in a Mortgage or Financial Services project is preferred. Candidates must be open to working in night/rotational shifts. No leave required for the next 3 months. Not pursuing any ongoing course, degree, or diploma that could affect work availability or shift flexibility. Responsibilities: As an Associate, you will be tasked with several key functions related to the loan origination and compliance processes: 1. Data Entry: Accurately enter 100-150 fields of data on the client's Loan Origination Platform/system. Retrieve and extract information from loan documents stored in the client's imaging system to input into the loan system. 2. Document Indexing: Index loan documents in accordance with Standard Operating Procedures (SOPs) and categorize the documents properly for further processing. 3. Loan Document Review: Review all loan documents to match and complete data in the client s funding system, ensuring consistency with the original documents. 4. Discrepancy Identification: Identify discrepancies between the system data and loan documents. Add suspense conditions if documents are incomplete or missing. 5. Compliance Testing: Run the Compliance Ease test to assess risks and ensure that the loan meets regulatory standards (Fannie Mae, Freddie Mac, FHA, VA, etc.). Add suspense conditions if the loan doesn t pass the test. 6. RESPA Testing: Run the RESPA test for fees (e.g., Origination & Transfer Taxes, Title Fees, Appraisal, Credit Reports, etc.) ensuring 0% and 10% tolerance fees compliance. 7. Daily Production Maintenance: Maintain a daily log and production sheet to track progress and identify areas for improvement. Key Attributes for Success: Attention to Detail: Strong attention to detail is required when reviewing loan documents and entering data into the system. Compliance Orientation: A deep understanding of regulatory compliance in the mortgage industry is critical to ensure that the loans meet all legal requirements. Problem Solving: Ability to identify issues in the data and suggest appropriate solutions for discrepancies. Efficiency: Ability to manage high volumes of data while maintaining high accuracy. Work Environment & Shift Requirements: The role requires working in night shifts and potentially during Indian holidays to support global operations. Candidates must be comfortable working with tight deadlines, managing high workloads, and ensuring that all tasks are completed in accordance with the expected quality standards.

Role: Associate As an Associate in this role, you will be responsible for performing key tasks in the loan origination process, including data entry, document indexing, compliance testing, and loan document verification. The primary goal is to ensure accurate entry of loan data and to ensure that loans meet regulatory standards. Pre-Requisites: Education: Preferred: B.Com (Hons), B.Com (Pass), BBA, BCA, Economics Graduates Not Eligible: Engineering Graduates or candidates from an IT background. Soft / Behavioral Skills: Strong communication and comprehension skills. Excellent listening skills. Eagerness to learn and improve. Open to working in night shifts and on Indian holidays. Team player with a collaborative mindset. Experience: Total Experience: 0.5 years to 3 years. Relevant Experience: Experience in mortgage, financial services, or a similar back-office BPO process is preferred. Key Technical / Functional Skills: Proficiency in MS Office and other standard BPO tools. Typing Speed: 30-35 words per minute with 90-95% accuracy. Strong analytical and problem-solving skills. Ability to make informed decisions based on available data. Flexibility with shift timings to accommodate global operations. Special Requirements: Minimum 6 months of work experience in a Mortgage or Financial Services project is preferred. Willingness to work in night shifts and rotational shifts. No leave required for the next 3 months. Not pursuing any ongoing course or degree that could conflict with work schedules or shift requirements. Responsibilities: As an Associate, you will be involved in several key processes related to loan origination and compliance: 1. Data Entry: Accurately enter 100-150 fields of data on the Loan Origination Platform (client's system). Retrieve and extract loan information from the client s imaging system to ensure all required fields are entered. 2. Document Indexing: Index and categorize loan documents in accordance with Standard Operating Procedures (SOPs). 3. Loan Document Review: Review loan documents for completeness and accuracy. Match and complete data in the client funding system, used for loan registration and funding. 4. Discrepancy Identification: Identify discrepancies between system-entered information and loan documents. Flag incomplete or missing documents by adding suspense conditions in the system. 5. Compliance Testing: Run the Compliance Ease test to assess risks and ensure that the loan meets regulatory requirements (Fannie Mae, Freddie Mac, FHA, VA, etc.). Add suspense conditions if a loan does not meet compliance standards. 6. RESPA Testing: Run the RESPA test for 0% tolerance fees (e.g., Origination & Transfer Taxes) and 10% tolerance fees (e.g., Title Fees, Appraisal Fees, Credit Reports). Ensure that the fees are compliant with regulatory guidelines. 7. Daily Production Maintenance: Track and maintain a Daily Production sheet to record and monitor progress. Ensure accuracy and efficiency in meeting daily targets and deadlines. Key Attributes for Success: Attention to Detail: Strong focus on accuracy and consistency when entering loan data and reviewing documents. Regulatory Compliance: Ability to understand and ensure adherence to industry standards and regulations. Problem Solving: Ability to identify discrepancies in data and documents, and implement solutions quickly. Efficiency: Ability to manage large volumes of data while maintaining high levels of accuracy. Work Environment & Shift Requirements: This role will require working in night shifts and may involve working during Indian holidays. Candidates must be adaptable to rotational shifts to accommodate global business needs. The role requires strict attention to deadlines and the ability to perform under pressure while ensuring all tasks are completed accurately. Why Join Us? Career Growth: Opportunity to gain experience in US Residential Mortgage and Financial Services. Skills Development: Gain expertise in loan origination platforms, regulatory compliance, and back-office operations. Global Exposure: Work with an international client base and develop skills needed for global operations.

Accountant (Finance Department) Location: Gurgaon About the Role We are looking for a detail-oriented Accountant to manage the company s financial records and ensure accurate, timely, and compliant accounting practices. This role is pivotal in maintaining financial health and supporting strategic decision-making through rigorous financial oversight. Key Responsibilities Financial Record Keeping: Maintain accurate bookkeeping, including Tally entries, general ledger management, and fixed asset registers. Accounts Receivable & Payable: Raise client invoices, track collections, and manage timely vendor payments to ensure optimal cash flow. Payroll & Compliance: Process employee salaries, manage deductions, and ensure all statutory compliances are met. Taxation & Audit: Prepare and file company tax returns, ensure timely statutory payments, and lead audit activities to finalize books of accounts. Financial Management: Generate interpretative financial reports and monitor budgets to maintain company-wide stability. Requirements Education: Bachelor of Commerce (B.Com) degree. Technical Expertise: Proven experience with accounting software and advanced MS Excel. Core Competencies: Strong attention to detail, accuracy in data entry, and excellent organizational skills. Communication: Professional written and verbal communication skills for stakeholder management. Qualification : Bachelor of Commerce (B.Com) degree

Position: Senior Manager Process Audit Location: Gurgaon Experience: 13 to 16 years Qualification: Chartered Accountant (Mandatory) Role Overview We are seeking an experienced and strategic Senior Manager Process Audit to lead and elevate our internal audit function, with a strong focus on dealer operations and business process optimization. This role is pivotal in enhancing operational efficiency, ensuring policy and regulatory compliance, and mitigating business risks across the organization. The ideal candidate is a Chartered Accountant with a deep understanding of internal controls, risk assessment, and process improvement particularly in the automobile or dealership sector. Key Responsibilities Audit Strategy & Planning Develop and execute a robust annual audit plan aligned with corporate objectives and risk priorities. Define audit scope, methodologies, and timelines for dealer operations and core business processes. Ensure alignment with regulatory standards, internal controls, and industry best practices. Audit Execution Lead and oversee end-to-end audits from planning and fieldwork to reporting and follow-up. Assess compliance with company policies, operational efficiency, and risk mitigation practices. Perform root-cause analysis and validate corrective actions across processes and dealerships. Risk Management & Process Improvement Identify gaps, inefficiencies, and compliance risks in systems and dealer operations. Provide actionable recommendations to business stakeholders for process improvement. Drive long-term process standardization and control enhancement initiatives. Stakeholder Collaboration Partner with cross-functional teams, senior leadership, and dealer networks to drive audit outcomes. Ensure timely resolution of audit issues and effective implementation of agreed action plans. Act as a trusted advisor for internal controls and risk governance. Performance Monitoring Track dealer and process performance using KPIs, customer satisfaction metrics, and brand compliance. Ensure sustainability of improvements and consistency in operational execution. Reporting & Communication Prepare and present detailed audit reports to senior management, highlighting key risks and business insights. Drive a culture of transparency, compliance, and accountability through clear communication and regular updates. Qualifications & Requirements Chartered Accountant (CA) Mandatory 13 to 16 years of post-qualification experience in process audits, internal controls, or operational risk Strong background in auditing dealer networks and business operations, preferably in the automobile sector Expertise in internal control frameworks, process reviews, and risk-based auditing Advanced proficiency in Microsoft Office Suite (Excel, PowerPoint, Word) and SAP Strong report writing, analytical, and presentation skills Excellent communication, stakeholder engagement, and team collaboration skills Sound knowledge of industry regulations, compliance standards, and risk management frameworks Skills Required Process Auditing & Internal Controls Dealer Operations Review Risk Identification & Mitigation Compliance Monitoring Audit Strategy & Execution Stakeholder Management Join us in driving operational excellence and shaping a compliant, performance-driven culture. Apply now to lead the charge in audit innovation and business transformation. Qualification : Chartered Accountant (Mandatory)

Job Title: Wholesale Portfolio Analyst Location: Gurgaon Job Family: Financial Services Employment Type: Full-Time About CNH Industrial Innovation. Sustainability. Productivity. CNH Industrial is breaking new ground to sustainably advance the noble work of farmers and builders globally. Our products, ranging from alternative power to precision productivity tech, help feed and shelter a growing population. Join a collaborative global team passionate about driving customer success and innovation. Job Purpose As a Wholesale Portfolio Analyst within Wholesale Finance, you will collaborate with Commercial Sales, Retail Sales, Credit, and Operations teams to manage inventory funding (supply chain finance) for local dealers. You will oversee portfolios of local dealers and end users for whole goods and spare parts in the Agricultural & Construction Equipment business. Key Responsibilities Onboard new and existing dealers, ensuring completion of financial documentation and credit requirements. Coordinate with Commercial Sales, Retail Sales, Credit, and Operations for dealer stock audit management. Continuously follow up on account recoveries and implement timely corrective actions. Manage Bank Guarantees including audits and renewals. Support alignment of Wholesale Credit processes with CNH Capital global practices. Collaborate with Capital Retail teams to increase penetration and enable smooth dealer outstanding rotation. Monitor portfolio delinquency regularly. Conduct dealer location visits for critical accounts. Support policy and procedure definition for the India region. Experience Required Minimum 5 years of financial experience, including at least 3 years in Banking, NBFC (supply chain finance, inventory funding, dealer funding), or credit control in industrial organizations. Knowledge of local trade operations and Incoterms. Proficient in Microsoft Office applications. Preferred Qualifications CA or MBA with a university degree in Economics, Finance, or related fields. Dynamic international career opportunities. Inclusive and respectful workplace culture. Flexible work arrangements. Savings & retirement benefits. Tuition reimbursement. Parental leave and adoption assistance. Fertility and family-building support. Employee assistance programs. Charitable contribution matching and volunteer time off. Grow your career at CNH Industrial where innovation meets purpose. Qualification : CA or MBA with a university degree in Economics, Finance, or related fields

Job Title:Pharmacist Category: Administrative Staff Type: Full Time Location: Gurgaon Job Description: Review and interpret prescription orders prescribed by clinicians accurately. Prepare and dispense medications according to prescriptions. Advise patients on the safe and effective use of medications, including possible side effects and drug interactions. Manage billing and cash handling at the billing counter; submit daily cash scrolls to the finance department. Cross-check issued medicines against bills for accuracy in patient name, item name, quantity, and expiry dates; acknowledge bills. Maintain accurate and up-to-date records of patients medication histories and any adverse reactions. Keep detailed customer records, including uploading scanned copies of prescriptions and bills for high-risk medicines. Ensure a safe, clean, and compliant working environment. Maintain adequate stock levels based on daily consumption. Perform regular stock verification focusing on expiry dates of medicines. Ensure compliance with audit requirements and quality service standards. Update stock levels daily and communicate intimation to reporting authorities. Report discrepancies promptly to the Reporting Manager. Undertake any other tasks or responsibilities assigned by the Reporting Manager or Management. Job Objective: Ensure safe dispensing of medications, effective patient counseling, error-free billing, cash handling, and efficient stock management. Qualifications: D. Pharmacy or B. Pharmacy degree. Experience: 1 to 3 years of relevant experience.

EHS Officer Project Sites Location: Gurugram, Haryana, India Employment Type: Full-Time, Fixed Term Contract About Siemens Energy Siemens Energy is dedicated to addressing global energy challenges by developing and delivering cutting-edge engineering technologies that improve lives and protect the climate. Join us to make a meaningful impact on society and advance human progress. Role Overview As an EHS Officer at Siemens Energy, you will provide expert guidance and actionable plans to management and employees on Environmental, Health, and Safety (EHS) strategies. You will play a key role in ensuring compliance, mitigating risks, and fostering a safe and sustainable work environment across assigned project sites. Key Responsibilities Provide competent EHS advice and develop action plans to support management in implementing EHS strategies, procedures, guidelines, and goals. Conduct regular site visits to identify, review, and mitigate environmental and health risks, ensuring practical and safe solutions for high-risk activities. Monitor, measure, and report EHS issues transparently and accurately. Assist in preparing and reviewing risk assessments and Job Safety Analyses (JSA), ensuring timely mitigation actions. Ensure all accidents, incidents, and near misses are reported, investigated, and corrective/preventive actions are implemented according to legal and company procedures. Maintain and update all EHS records including policies, risk assessments, safety data sheets, training, and drill documentation. Facilitate EHS training and competency development programs for employees, contractors, and temporary staff. Address employee complaints related to health, safety, or welfare through proper channels and escalate as necessary. Stay current on legal EHS requirements, workplace hazards, and company policies to ensure compliance and risk management. Promote employee involvement in EHS initiatives and promptly address any breaches or complaints. Ensure availability and proper use of Personal Protective Equipment (PPE) based on risk assessments. Qualifications & Experience Degree or recognized Diploma in Engineering or Science. Degree or Diploma in Occupational Health and Hygiene from a recognized institute (e.g., ADIS, RLI/CLI, IIT, NITIE, NICMAR). Preferred: Degree/Diploma in Industrial Safety or Environmental Management recognized by State Technical Boards. NEBOSH International General Certificate (IGC) Mandatory. Certified Lead Auditor Preferred. 7 10 years of relevant experience in EHS roles, preferably in construction, power plants, manufacturing, engineering, or project management. Strong experience in on-the-job coaching and EHS compliance. Excellent communication skills in English (spoken and written). Experience or interest in sustainable development is desirable. Qualification : Degree or Diploma in Occupational Health and Hygiene from a recognized institute (e.g., ADIS, RLI/CLI, IIT, NITIE, NICMAR).

Risk Manager (Underwriting) Location: Gurugram, India Employment Type: Full-Time Experience: 1 3 Years About OXYZO Financial Services Ltd. OXYZO Financial Services Ltd., a leading Fintech NBFC, is a part of the OfBusiness Group and is transforming B2B lending for SMEs and Emerging Corporates across India. With a strong presence in 20+ cities and an AUM of 7,700 Cr, OXYZO has backed innovative growth across Manufacturing, Engineering, Textiles, Logistics, and more. We are committed to building efficient, transparent, and reliable financial services with top-tier investors like Creation Investments, Matrix Partners, Norwest, Tiger Global, and Alpha Wave. Role Overview We are seeking a Risk Manager to join our Underwriting team. This role involves analyzing and assessing the financial risk of loan proposals for SMEs, ensuring alignment with company policy and mitigating potential risks through careful analysis and scrutiny. You will play a key role in decision-making processes by conducting detailed quantitative, qualitative, and legal analyses to assess the safety of unsecured loans. Key Responsibilities Credit Proposal Underwriting: Review and assess credit proposals following internal policies and guidelines, ensuring adherence to turnaround time (TAT). Financial Analysis: Assess the financial health of clients by analyzing financial statements, cash flow, bank statements, and ratio analysis for working capital, term loans, and other funding requirements. Quantitative & Qualitative Analysis: Conduct in-depth financial analysis (e.g., creditworthiness, past trends, net worth). Perform banking analysis to verify supplier relationships, EMI repayments, etc. Execute statutory checks (e.g., GST filing, tax obligations, liquidity issues). Conduct qualitative analysis to evaluate external business conditions (e.g., verifying customer claims by visiting sites, meeting customers for internal and external reference checks). Perform legal analysis to ensure no pending legal complaints against clients. Underwriting Decisions: Based on comprehensive analysis, recommend approval or rejection of credit cases, ensuring risk mitigation is aligned with organizational goals. Collaboration with Teams: Work closely with the sales and operations teams to ensure smooth document processing and timely disbursement of loans. Portfolio Risk Management: Continuously assess the existing portfolio and suggest or implement policy changes to mitigate risk and ensure loan performance. Policy Improvements: Contribute insights for potential policy revisions based on portfolio analysis and risk trends. What We Are Looking For Educational Background: Strong academic pedigree in Finance, Economics, or related fields. Experience: 1 3 years of experience in credit risk analysis, underwriting, or related roles within NBFCs or banks. Analytical Skills: Strong ability to conduct both quantitative and qualitative analyses of creditworthiness, financial statements, and business operations. Communication Skills: Excellent verbal and written communication skills, with the ability to explain complex concepts in a simple, understandable manner. Self-Motivated: Highly driven, self-reliant, and results-oriented with the ability to lead and manage projects under pressure. Attention to Detail: Strong focus on ensuring accuracy and risk mitigation in loan approvals. Language Skills: Fluency in Hindi and English (both written and spoken). Travel Flexibility: Willingness to travel as needed to meet clients and perform site visits. Fast-track Career Growth Excellent opportunities for professional development and leadership roles. High-Impact Roles Take on meaningful responsibilities with a clear impact on business growth. Ownership & Autonomy Ability to make key decisions and drive the underwriting process. Exceptional Peer Group Collaborate with top talent in a dynamic work environment. Enjoyable Workplace Culture Join a company that fosters a supportive and fun culture. Competitive Pay & Rewards Attractive compensation package with performance-based incentives. Qualification : Strong academic pedigree in Finance, Economics, or related fields.