203 Financial Institutions jobs in India

Credit Analyst –BFIG Credit
Location: Mumbai
Job Role
Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
Credit risk assessment of securitisation transactions (PTCs)
Preparation of credit appraisal notes covering detailed analysis of business, industry, management and financials.
Doing client calls to understand their business model and risk management policies.
Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
Escalate with action plan for non-compliances
Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Job Requirements - CA / MBA with at least 3-4 yrs relevant segment.
Good understanding of Accounting Standards, Balance Sheet Analysis.
Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
Good interaction and communication ability.
Excellent verbal, written communication & presentation skills.

Grade/Role-AVP / VP ( TL role)
Years of Experience-10 + years

Managing relationship with Domestic Banks and Financial Institutions including NABARD / SIDBI / EXIM based out of West and South.
Setting up credit limits for trade / treasury and CMS.
Avail liabilities in the form of Domestic / FCY borrowings / CASA from Banks and Institutions.

Credit Analyst –BFIG Credit

Location: Mumbai

Job Role

• Credit risk underwriting of credit facilities to NBFCs/Housing Finance Companies.
• Credit risk assessment of securitisation transactions (PTCs)
• Preparation of credit appraisal notes covering detailed analysis of business, industry, management and financials.
• Doing client calls to understand their business model and risk management policies.
• Providing detailed recommendations to senior credit approvers on risk aspects and assessments for particular loans.
• Ensuring that loans adhere to program, compliance, due diligence and industry requirements.
• Continuous credit monitoring of the loan portfolio based on market information and periodic reviews of the performance of credit facilities sanctioned to clients.
• Escalate with action plan for non-compliances
• Co-ordinating with internal auditors and make representations to RBI for resolving queries raised by them in RBI audits

Job Requirements - CA / MBA with at least 3-4 yrs relevant segment.

• Good understanding of Accounting Standards, Balance Sheet Analysis.
• Knowledge of RBI regulations, SEBI and other statutory bodies requirements.
• Good interaction and communication ability.
• Excellent verbal, written communication & presentation skills.

We are the leading provider of professional services to the middle market globally, our purpose is to instill confidence in a world of change, empowering our clients and people to realize their full potential. Our exceptional people are the key to our unrivaled, inclusive culture and talent experience and our ability to be compelling to our clients. You’ll find an environment that inspires and empowers you to thrive both personally and professionally. There’s no one like you and that’s why there’s nowhere like RSM.

Responsibilities:

Understanding clients' needs and expectations, their business and industry, accounting and control systems, employees, company values and industry-related IFRS or GAAP and GAAS issues

Developing and demonstrating an understanding of the RSM audit approach, methodology and tools

Performing audit procedures and tests in accordance with the RSM audit methodology based overall audit plan, ensuring proper documentation of work performed.

Identifying areas of risk and accounting and auditing issues; discuss with engagement teams to solve issues that arise.

Researching technical accounting issues

Developing industry expertise

Preparing audit reports, and management letters

Exercising professional skepticism, judgment and adhere to the code of ethics while on engagements

Ensuring that documentation is compliant with quality standards of the firm

Working collaboratively as a part of the team and communicate effectively with RSM audit professionals

Provide supervision and development training for associates

Taking ownership of assigned tasks and deliverables to ensure service excellence through prompt responses to internal and external clients

Providingtimely, high quality client service that meets or exceeds client expectations including coordinating the development and execution of the audit work plan and client deliverables

Ensuring professional development through ongoing education

Participating in a range of projects and open to collaborate and work with multiple teams; demonstrating critical thinking, problem solving, initiative and timely completion of work.

Required Qualifications:

Bachelors in Commerce/MBA

Qualified Chartered Accountant

2-4 years of relevant experience working in an accounting and audit related field

Strong technical skills in accounting including IFRS or GAAP and GAAS

Strong Data Analytical skills including advanced Excel skills (Vlookups, pivot tables, and basic formulas), Word and PowerPoint

Strong multi-tasking and project management skills

Excellent verbal and written communication (English) as the position requires frequent communications with RSM International clients and the United States based engagement teams

You want your next step to be the right one. You’ve worked hard to get where you are today. And now you’re ready to use your unique skills, talents and personality to achieve great things. RSM is a place where you are valued as an individual, mentored as a future leader, and recognized for your accomplishments and potential. Working directly with clients, key decision makers and business owners across various industries and geographies, you’ll move quickly along the learning curve and our clients will benefit from your fresh perspective.

Experience RSM. Experience the power of being understood.

Headquartered in Tokyo, Sumitomo Mitsui Banking Corporation (SMBC) is a leading global financial institution and a core member of Sumitomo Mitsui Financial Group (SMBC Group). Built upon our rich Japanese heritage since 1876, we put our customers first and provide seamless access to, from and within the Asia Pacific region. SMBC is one of the largest Japanese banks by assets and maintain strong credit ratings across our global integrated network. We work closely as one SMBC Group to offer personal, corporate and investment banking services to meet the needs of our customers.

With sustainability embedded within our strategy and operations, we are committed to creating a society in which today’s generation can enjoy economic prosperity and well-being, and pass it on to future generations.

The role requires good understanding of requirements of FI clients.

Develop and market suitable Global Markets solutions to FI clients.

Work closely with Relationship Managers to onboard new clients. 

Originate & execute transactions with FI clients. Work closely with Trading team to ensure smooth execution.

Ensure compliance with regulatory (RBI, FEDAI, etc.) as well as SMBC guidelines at all times.

Knowledge: Good understanding of Indian FX and Rates markets & relevant products. 

Skills: Pricing and sales of FX & interest rate products.

Experience: 6–10 years of relevant experience of marketing Treasury products to Financial Institutions. 

Qualifications: MBA or Chartered Accountant.

Certification
1. Certified Treasury dealer
2. Diploma in Integrated Treasury Management

Institutional Credit Management's ("ICM") objective is to provide an integrated "end-to-end" credit underwriting, identification, measurement, management, monitoring and reporting for wholesale credit businesses across the enterprise. Institutional Client Group (ICG) In-Business Quality Assurance is an integral part of the ICM organization.
The ICG In-Business Quality Assurance function (QA) verifies that established standards and processes are followed and consistently applied. ICG Management uses the results of the quality assurance reviews to assess the quality of the group's policies, procedures, programs, and practices as relates to the management of wholesale credit risk. The results help management identify operational weaknesses, risks associated with the function, training needs, and process deficiencies.
The ICM Head of In-Business Quality Assurance reports results of Quality Assurance Reviews (QARs) providing feedback, insight, and observations on any deficiency and areas of improvement, engaging with the management of the respective ICG business area, Independent Risk, and critical partner stakeholders and regulators.
This role reports to the ICM Head of Markets Sales & Trading In-Business Quality Assurance Functional Head.
**Key responsibilities** include:
· Support the Head of Sales & Trading In-Business Quality Assurance to set the global strategy for and lead the implementation and ongoing delivery of a robust Quality Assurance function in accordance with the coverage universe.
· Assist in providing effective credible challenge during QARs to Business Region Heads and Portfolio Managers, as regards to memo and process quality to ensure that weaknesses in such processes are identified and escalated as appropriate.
· Support with the aim to ensure wholesale credit risks within Citi are effectively identified, measured, monitored, and controlled, consistent with the bank's risk appetite and all policies and processes established within the risk governance framework.
· Under the supervision of the Markets In-Business Quality Assurance Functional Head, support execution of the following:
o Consistent and objective assessments during QARs
o Subsequent follow-up on corrective actions that were raised during QARs
o Sustainability testing of corrective actions resulting from issues raised by Internal Audit or Regulators
o Synthesize and prepare quarterly Quality Assurance Scorecard Reports to ICG business management that communicate and measure results and identify negative trends and potential solutions
· Interact with the respective Analysts and Team Leads, in order to ensure that quality assurance protocols are adequate for all portfolios.
· Assist WCR IBQA function in the establishment of WCR IBQA policies, procedures, risk assessment and controls to drive effective QA coverage and standards
· Support ICM Head of Markets In-Business Quality Assurance Functional Head to stay abreast of relevant changes to rules/regulations and other industry news including regulatory findings.
· Support the Global Head of WCR IBQA on internal projects and initiatives
· Support ICM Voice of the Employee (VOE) initiatives
· Travel (less than 10%)
**Skills/Competencies:**
**Quality Assurance:**
· Demonstratable quality control / quality assurance experience, including 3-5 years in banking, credit risk management, internal audit, loan review or quality assurance review function at an investment or large commercial bank.
· Potential to understand complex counterparty credit product structures, and ideally versed in derivatives and structured investment products
· Good grasp of counterparty credit risk covered process, to evaluate findings within the Quality Assurance process, determine materiality, and partnering with in-line makers and checkers for ongoing improvement, problem detection, and sustainable remediation
· Understanding of risk management and controls frameworks related to counterparty credit risk management or another financial risk discipline.
· Understanding of QA policies and procedures with the ability to execute change seamlessly.
· Strong awareness and adherence to the control environment including Quality Assurance and Quality Control.
**Leadership:**
· Strategic orientation to ensure the ICM organization continues to be positioned as a thoughtful and proactive partner on driving best practices to support safety and soundness within ICM and Citi
· Assists colleagues in identifying stretch opportunities to elevate individual and team performance and recognizes individuals based on performance.
· Proven culture carrier
Competencies:
· Strong organizational skills with ability and willingness to work under pressure and manages time and priorities effectively with little supervision
· Evolving interpersonal skills, with the ability to build relationships and exert influence with and without direct authority
· Clear written and verbal communication skills, with the ability to communicate clearly and concisely to audiences of varying levels of seniority
· Ideally, experience in preparing presentations for seniors
Technical:
· Advanced Microsoft Office (Word, Excel, and PowerPoint) skills
Qualifications:
· BA/BSc or higher degree in Business (MBA), or any other related subject
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**Job Family Group:**
Risk Management
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**Job Family:**
Business Risk & Control
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**Time Type:**
Full time
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**Most Relevant Skills**
Credible Challenge, Data Analysis, Laws and Regulations, Management Reporting, Policy and Procedure, Referral and Escalation, Risk Controls and Monitors, Risk Identification and Assessment, Risk Remediation.
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**Other Relevant Skills**
For complementary skills, please see above and/or contact the recruiter.
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Minority/Female/Veteran/Individuals with Disabilities/Sexual Orientation/Gender Identity.