Banking Operations Associate

Job Details:
•    Analyze and spread financial statements including Balance Sheets, Income Statements, and Cash Flow Statements. 
•    Extract and input financial data into bank-approved spreading tool. 
•    Review audited and compiled financial statements for completeness and accuracy. 
•    Calculate and validate key financial metrics, ratios. 
•    Identify discrepancies, missing information, and unusual financial trends for escalation. 
•    Support Credit Analysts and Underwriters in financial statement analysis and credit evaluations. 
•    Maintain service level agreements (SLAs) and productivity targets. 
•    Ensure compliance with internal controls, regulatory requirements, and risk management standards. 
•    Knowledge of GAAP, IFRS, or regional accounting standards.
•    Familiarity with spreading tools such as Moody's Credit Lens, nCino, or any other systems. 
•    Participating in the training programs based on business needs
•    Attending team meetings or customer calls.
 
Job Requirements & eligibility Criteria:
•    2-4 Years of experience in Banking BPO is preferred.
•    Bachelor’s degree in commerce, Accounting, Finance, or a related field. 
•    Understanding of financial statements and accounting principles. 
•    Knowledge of ratio analysis, cash flow analysis, and credit fundamentals. 
•    Strong attention to detail and analytical skills. 
•    Proficiency in Microsoft Excel and financial analysis tools. 
•    Good written and verbal communication skills. 
•    Ability to work under deadlines and manage multiple priorities.
•    Ability to work scheduled shifts.
•    Ability to communicate (oral/written) effectively in English to exchange information with our client when required.

Title: F&A – Ops Processing Analyst (Grade 06)
Job Details:
•    Analyze and spread financial statements including Balance Sheets, Income Statements, and Cash Flow Statements along with complex borrower financial statements, including consolidated and multi-entity structures.
•    Extract and input financial data into bank-approved spreading tool. 
•    Perform advanced financial normalization, adjustments, and reclassifications to ensure consistency and comparability.
•    Review audited and compiled financial statements for completeness and accuracy. 
•    Calculate and validate key financial metrics, ratios. 
•    Identify discrepancies, missing information, and unusual financial trends for escalation. 
•    Analyze historical performance and identify significant financial trends and business risks.
•    Review financial spreads completed by junior analysts and associates. 
•    Participate in internal audits, quality reviews, and risk-control activities. 
•    Drive continuous improvements to enhance accuracy, consistency, and operational efficiency.
•    Mentor and coach Associates on financial spreading methodologies and credit fundamentals. 
•    Conduct peer reviews and provide constructive feedback. 
•    Assist team leaders in training, onboarding, and knowledge management initiatives. 
•    Act as a Subject Matter Expert (SME) for spreading systems, financial statement analysis, and process best practices.
•    Identify opportunities to improve productivity, quality, and turnaround time. 
•    Participate in automation, standardization, and transformation initiatives. 
•    Develop and maintain process documentation and training materials.
•    Support Credit Analysts and Underwriters in financial statement analysis and credit evaluations. 
•    Maintain service level agreements (SLAs) and productivity targets. 
•    Ensure adherence to credit policies, spreading guidelines, quality standards, and regulatory requirements. 
•    Knowledge of GAAP, IFRS, or regional accounting standards.
•    Familiarity with spreading tools such as Moody's Credit Lens, nCino, or any other systems. 
•    Participating in the training programs based on business needs.
 
Job Requirements & eligibility Criteria:
•    4-6 Years of experience in Banking BPO is preferred.
•    Bachelor’s degree in commerce, Accounting, Finance, or a related field. 
•    Strong knowledge of accounting principles, financial statement interpretation, and credit risk concepts
•    Advanced analytical and problem-solving capabilities.
•     Proficiency in Microsoft Excel and financial analysis tools. 
•    Good written and verbal communication skills. 
•    Ability to work under deadlines and manage multiple priorities.
•    Ability to work scheduled shifts.
•    Ability to communicate (oral/written) effectively in English to exchange information with our client when required.
•    Professional certifications such as CFA, CPA, CMA, FRM, or equivalent will be an added advantage. 

Title: F&A – Senior Ops Processing Analyst / Team Leader (Grade 07)

Job Details:
•    Manage day-to-day workflow allocation, monitor real-time queues based on FIFO principles, and ensure the team meets strict service level agreements (SLAs), turnaround times (TAT), and productivity targets.
•    Analyze, review, and sign off on highly complex borrower financial statements, including large corporate portfolios, consolidated accounts, and intricate multi-entity structures.
•    Act as the final quality checkpoint and technical authority for financial normalization, adjustments, and reclassifications completed by Grade 06 Analysts and Grade 04/05 Associates.
•    Investigate and resolve high-level discrepancies, complex accounting variances, or unusual financial trends escalated by the team.
•    Lead quality audits, risk-control activities, and internal/external process audits to ensure absolute compliance with credit policies and regulatory standards.
•    Act as the primary Subject Matter Expert (SME) and operational point of contact for spreading systems (Moody's Credit Lens, nCino), complex accounting frameworks, and process best practices.
•    Lead regular performance reviews, monitor team-wide Productivity Index (PI) variations, perform root-cause analysis on process errors, and implement targeted action plans.
•    Drive operational excellence, automation, standardization, and process transformation initiatives to enhance team productivity, quality, and workflow efficiency.
•    Strategize, design, and maintain comprehensive process documentation, standard operating procedures (SOPs), and training materials.
•    Manage training programs, oversee the onboarding of new hires, and actively mentor, coach, and develop Grade 06 Analysts and Grade 04/05 Associates.
•    Partner closely with clients, onshore Credit Analysts, and Underwriters to exchange critical financial data, address complex credit queries, and manage stakeholder calibrations.
•    Facilitate regular team meetings, manage shift rosters, and ensure optimal team capacity planning to handle fluctuating volume.

Job Requirements & eligibility Criteria:
•    6–8 Years of experience in Banking BPO or Financial Services operations is preferred, with a minimum of 1–2 years in a senior, mentoring, or supervisory role.
•    Bachelor’s or Master's degree in Commerce, Accounting, Finance, or a related field.
•    Advanced, expert-level knowledge of accounting principles (GAAP, IFRS), financial statement interpretation, and complex credit risk concepts.
•    Exceptional financial analytical, problem-solving, and decision-making capabilities under tight schedules.
•    Advanced proficiency in Microsoft Excel, financial analysis tools, and workflow management systems.
•    Strong leadership, people management, and mentoring capabilities to drive performance in a high-pressure environment.
•    Excellent written and verbal communication skills in English to independently lead client calls and articulate complex financial risk observations effectively.
•    Ability to work scheduled shifts and maintain operational coverage as required.
•    Professional certifications such as CFA, CPA, CMA, FRM, or equivalent will be an added advantage.