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We nurture and support our talents providing them a  dynamic, exciting, value-driven and inspiring work environment to allow each individual to grow and embrace a unique and rewarding career.

Our people - Our culture

Corporate culture is derived from the people that create it. Our people are at the heart of our business strategy and success. We focus on equal employment opportunity, diversity and inclusion in our recruitment process, making sure that we attract candidates from all backgrounds. We provide our people with a variety of tools — enriching professional experiences, daily coaching, and productive feedback — to help them make their professional lives productive and enjoyable.
Our values and behaviours define our expectations we have for working together and with customers. Although we come from different backgrounds and cultures across the Company, the values and the culture are what we all have in common. They capture our shared aspirations and expectations, and guide how we make decisions and treat others. As Cim Finance professionals, we align our actions with our values and behaviours. We think about the values as a full set – all are equally critical to our success.

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Credit Analyst

Added Thursday, 21 February 2019 Closing Thursday, 30 May 2019

CF018

  • Analyze credit applications as received from sales department.
  • To compute DTI and financial ratios where applicable.
  • Perform due diligence on KYC, collateral, pricing and other factors where applicable
  • To adhere to all regulatory guidelines, internal policies and procedures.
  • Propose adequate conditions mitigants/covenants/security to mitigate risk
  • Monitor customer's credit worthiness and obtain periodical information of their financial and industrial environment, and prepare credit review papers
  • Where applicable, analyse corporate customer's credit information and financial data to determine the degree of risk involved in extending the credit.
  • Prepare credit applications, inclusive of credit analysis and summaries of credit facility requests, and submit to relevant credit authority for approval.
  • Prepare reports that include the degree of risk involved in extending credit as well as mitigating factors.
  • Assist in the improvement of current processes and procedures.
  • Stay current with system changes and processes
  • Comply with, and stay abreast of, relevant policies and procedures in the processing of credit applications. Inclusive of but not limited to sales and compliance processes.
  • Updating of reports and tracking
  • Preparation of reports in the required format
  • Accurately and correctly completing, filing, scanning and data storage as per the department’s requirement.

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Credit Underwriting Team Leader

Added Thursday, 21 February 2019 Closing Thursday, 30 May 2019

CF019

  • Analyze credit applications as received from sales department.
  • Perform due diligence on KYC, collateral, pricing and other factors where applicable
  • Propose adequate conditions mitigants/covenants/security to mitigate risk
  • Monitor customer's credit worthiness and obtain periodical information of their financial and industrial environment, and prepare credit review papers
  • Where applicable, analyse corporate customer's credit information and financial data to determine the degree of risk involved in extending the credit.
  • Prepare credit applications, inclusive of credit analysis and summaries of credit facility requests, and submit to relevant credit authority for approval.
  • Prepare reports that include the degree of risk involved in extending credit as well as mitigating factors.
  • Assist in the improvement of current processes and procedures.
  • Stay current with system changes and processes
  • Responsible for maintaining a body of knowledge on current and emerging best practices and processes.
  • Support Credit Underwriting leadership team in the formulation of departments strategy and ensure proper mechanism is in place to track performance.
  • Acts as key advisor to business, providing guidance on projects and impact of change initiatives
  • Coaches, develops and motivates team. Evaluates performance for growth opportunities and provides regular feedback.
  • Ensure the right caliber of staff are recruited, and in accordance with company policy and procedures.
  • Build a positive team culture with strong positive engagement
  • Maintain good relationship with key stakeholders and provide good customer service.

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Operational Risk Manager

Added Wednesday, 13 March 2019 Closing Thursday, 30 May 2019

CF021

  • Implementation of the enterprise Risk Management Framework
  • Implement an agreed program of Operational Risk assessment (RCSAs) to identify the key business process risks, determine the effectiveness of operational controls and drive out remedial actions for improving the business control framework
  • Support the business in the identification, design and implementation of the Key Indicators and other metrics to assist in monitoring of the controls and risks.
  • Ensure prompt and accurate escalation and reporting of Risk Events and provide post incident support to analyse root causes and ensure learning points are identified and addressed
  • Analyse data to identify risk trends and control weaknesses and recommend control improvement plans to the business with a view to improving business processes and reducing operational losses
  • Implement an agreed program of regular monitoring and evaluation to ensure adequate  standards of risk governance and policy compliance
  • Monitor progress of risk and control remediation actions plans for RSCAs & Risk Events, chasing updates on actions and escalating issues as necessary
  • Provide guidance and support to the business in raising awareness and understanding of operational risk and governance
  • Develop and maintain an effective relationship at the appropriate level with the business with a view of embedding effective risk management processes
  • Address issues and questions regarding risk events from employees in a clear and consistent manner
  • Maintain good customer relations by maintaining effective communications and providing a quality service delivery
  • Coaches, develops and motivates team. Evaluates performance for growth opportunities and provides regular feedback.
  • Ensure the right caliber of staff are recruited, and in accordance with company policy and procedures.
  • Ensure that poor performance is remedied via support, training or disciplinary action as appropriate. Liaise with Human Resources on all employment issues.
  • Build a positive team culture with strong positive engagement

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Operational Risk Specialist

Added Tuesday, 30 April 2019 Closing Thursday, 30 May 2019

CF023

  • Assist in the organization wide implementation of the Enterprise Risk Management framework
  • Carry out periodic Risk and control self-assessment (RCSA) across various areas
  • Ensure prompt and accurate escalation and reporting of Risk Incidents in line with the Incident Reporting policy
  • Provide post incident support to analyze root causes and control failures
  • Prepare reports based on risk trend analysis and control weaknesses and track closure of recommended actions
  • Regular monitoring of transactions & trends to identify potential frauds
  • Provide guidance and support to the business in raising awareness and understanding of operational risk framework
  • Maintain good relationships with all stakeholders
  • Contribute in building a positive team culture with strong engagement

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Credit purchase

Shopping has never been so convenient

Fill in the information below and simulate your repayment capacity

Finance Amount (Rs)
Interest (%)
Repayment term
Part payment

Capital repayment

Interest paid

INFORMATION SUMMARY
Monthly instalment
Rs 1,745.10
Finance Amount
Rs 10,000
Part payment
0.00
Interest paid
0
Repayment term
6 months

Please note that:

  • Insurance not included.
  • Calculation results are approximations and for information purposes only.
  • Quoted rates are not considered as guaranteed rates and repayments will be based on your personal circumstances, Credit facility amount and term.
  • All requests for credit facilities are subject to standard credit approval.
  • The calculations assume that all payments are made when due.

You are taking a lease

Leasing:
Price:
Age of Vehicle:
Period:
Down payment:

Monthly rental(Rs)

Finance amount (Rs)

Residual value

Repayment term (month)

Please note that:

  • Insurance not included.
  • Calculation results are approximations and for information purposes only.
  • Quoted rates are not considered as guaranteed rates and repayments will be based on your personal circumstances, Credit facility amount and term.
  • All requests for credit facilities are subject to standard credit approval.
  • The calculations assume that all payments are made when due.

Leasing

The right plan to make things happen!

Fill in the information below and simulate your repayment capacity

Price(Rs)
Down payment(Rs)
Interest (%)
Age of Vehicle
Repayment term

Capital repayment

Interest paid

INFORMATION SUMMARY
Monthly rental
Rs 1,745.10
Finance amount
Rs 10,000
Period
6
Residual value
0
Down payment
30000

Please note that:

  • Insurance not included.
  • Calculation results are approximations and for information purposes only.
  • Quoted rates are not considered as guaranteed rates and repayments will be based on your personal circumstances, Credit facility amount and term.
  • All requests for credit facilities are subject to standard credit approval.
  • The calculations assume that all payments are made when due.

Cim Voyage

How about taking a vacation with your family and friends to explore other shores?

Fill in the information below and simulate your repayment capacity

Finance Amount(Rs)
Interest (%)
Repayment term

Capital repayment

Interest paid

INFORMATION SUMMARY
Monthly instalment
Rs 1,745.10
Finance Amount
Rs 10,000
Part payment
0.00
Interest paid
0
Repayment term
6

Please note that:

  • Insurance not included.
  • Calculation results are approximations and for information purposes only.
  • Quoted rates are not considered as guaranteed rates and repayments will be based on your personal circumstances, Credit facility amount and term.
  • All requests for credit facilities are subject to standard credit approval.
  • The calculations assume that all payments are made when due.

Credit Facility

The solution to your immediate need for a credit facility!

Fill in the information below and simulate your repayment capacity

Finance Amount(Rs)
Interest (%)
Repayment term

Capital repayment

Interest paid

INFORMATION SUMMARY
Monthly instalment
Rs 1,745.10
Finance Amount
Rs 10,000
Interest paid
0
Repayment term
6

Please note that:

  • Insurance not included.
  • Calculation results are approximations and for information purposes only.
  • Quoted rates are not considered as guaranteed rates and repayments will be based on your personal circumstances, Credit facility amount and term.
  • All requests for credit facilities are subject to standard credit approval.
  • The calculations assume that all payments are made when due.