Top Tech Jobs & Startup Jobs in Mumbai

Leads credit risk governance and policy effectiveness for vehicle and equipment financing portfolios. Develops underwriting policies, evaluates exposures, monitors portfolio performance and risk indicators, defines guardrails, assesses scoring models, reviews exceptions and regulatory developments, and recommends mitigation actions. Partners with business, credit, collections, analytics, operations, technology, and compliance teams to implement policy changes and provide dashboards, reports, and recommendations to senior management and risk committees.

The role focuses on building the TASC and Government banking book by achieving business targets, liaising with government departments, and engaging branches to promote TASC business.

Leads treasury technology delivery across Forex, Money Market, Securities, and Derivatives modules using TCS BaNCS. Coordinates business users, functional consultants, vendors, and delivery teams; tracks requirements through production implementation; monitors functional changes, project timelines, risks, and progress; allocates work, conducts reviews, reports to stakeholders, and takes corrective action to ensure successful execution.

Analyze financial statements, credit notes, and lending proposals for large and mid-sized corporate borrowers, including project finance and real estate transactions. Prepare credit risk vetting reports, validate internal borrower ratings, review rating outlooks, identify proposal risks, and support timely loan sanctioning. The role also contributes to credit risk model refinement, rating accuracy improvements, lending protocol compliance, and spreadsheet-based financial analysis.

Manage Sales Officers to promote saving accounts, drive recruitment and training, monitor team performance and achieve sales targets while ensuring compliance.

Leads the strategic direction, development, growth, profitability, and governance of healthcare finance and industrial equipment finance product portfolios. Responsibilities include product and program development, customer segmentation, process re-engineering, RLOS platform development, business and revenue management, marketing campaigns, OEM partnership management, compliance, portfolio performance, and cross-functional execution.

Support Treasury mid-office MIS and reporting: prepare daily treasury tracker, value investments, run daily stress tests and VaR, monitor limits (daylight, forex, IGL/AGL), compile interest rate sensitivity/DSB returns, and upload GPB returns.

Prepare credit risk vetting reports for corporate, project finance, and real estate proposals. Analyze financial statements, validate internal credit ratings, assess borrower and product risks, and recommend lending decisions. Develop financial models, support credit risk model enhancements, monitor regulatory and lending policy changes, revise loan policies, and calculate periodic RAROC. The role also provides policy inputs to credit and product evaluation committees.

Develops, maintains, monitors, and enhances Expected Credit Loss frameworks and estimates under Ind AS 109 and IFRS 9. Responsibilities include developing and monitoring PD, LGD, EAD, and CCF models; conducting portfolio and migration analysis; analyzing defaults, recoveries, collateral, and provisioning; preparing risk reports; applying macroeconomic adjustments; supporting audits, validation, and regulatory reviews; and maintaining model documentation.

Independently reviews and validates financial reconciliations, investigates exceptions, performs root cause analysis, resolves aged breaks, and challenges unsupported conclusions. The role monitors reconciliation quality and service levels, approves certifications and reporting, escalates significant control issues, supports audits and regulatory reviews, and improves reconciliation processes through automation and standardization while ensuring compliance with internal controls and segregation-of-duties requirements.