Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

First link of management between the executors ie field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee we'll in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department ie product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 ie Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

Manage and enrich Franchise customer data of 72 Cr to enable creation and generation of Pre-Approved offers, improve Approval rates by enriching data through verified sources and enable instant disbursals by continuously improving fill rates of verified information to help scale volumes in 3in1 App. Responsible for identifying data requirements and evaluating quality of data sourced through external vendors. This capability will help build scale on 3in1 App of the Company and targets to improve Market share of the Company by 10% from current levels at the same portfolio risk levels Data Quality - New Data Enrichment Management o Data Standardization Data Quality o Data Enrichment of Franchise base basis internal External Sources o Responsible for end-to-end Data Quality Data Enrichment, Validation Verification for variables o Prepare BRD and User Story for development of Internal Data Storage design that enables to maintain every data point received with tagging of Source, time, Verified / Non-Verified data and Confidence level of the same. o Define validation rules and confidence levels for any variable brought into the single repository. o Define logic for flagging of Confidence levels for the data fields to enable end users of the data to use the data as per their confidence flagging. o Data verifications as per Confidence Flagging and insert into enrichment Mart o Governance of New Data element or New Data Source o Responsible for ensuring error rates in Data Quality are maintained within threshold levels o Define SOP and scope of activities for Data Quality management through Manual intervention to be executed through outsourced Credit Ops shop in Bareily o Control checks on data quality management done through Bareily shop o Define validation rules for data fields to ensure that junk data does not enter the repository o Responsible to ensure that the data tables have no data quality issues o Ensure all Existing Prospect records are maintained in a single repository o All other data points related to these records and any data enrichment to be maintained in a single repository o Data Enrichment o Engage with Partnership team in validating the information is meeting the quality standards that have been defined o Will qualify whether data points from a Particular Partner or Source can be used for Enrichment o Will also identify and maintain list of sources, websites which are to be used for Data Enrichment Key Decisions / Dimensions Following decisions are taken by the role: Design of data storage table Addition of new data sources Data quality validations Major Challenges Working with extremely large data sets Co-ordination with multiple stakeholders Clean up of existing data in BAU as we'll as create the new framework of data storage Required Qualifications and Experience a) Qualifications Post-graduation/ MBA with 3+ years experience in retail lending Risk b) Work Experience Minimum 2+ years of experience in SQL/ADB/Python/PySpark/EDW management Experience with large data handling and quantitative analysis Exposure to data analytics tools (Eg. SAS, SQL and Decision Tree) automated BI reports Strong Problem-solving ability and analytical skills

First link of management between the executors ie field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee we'll in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department ie product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 ie Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

The Role holder will be responsible for ensuring compliance with RBI regulations, assisting in regulatory inspections, and liaising with internal and group-level stakeholders Coordinate and manage inspections conducted by the Department of Supervision, DPSS (Department of Payment and Settlement Systems), CSITE (Cyber Security and Information Technology Examination), and Regulatory Studies. Ensure all regulatory requirements are met and maintained. Prepare for regulatory inspections by gathering necessary documentation and data. Address issues identified during inspections. Ensure timely and accurate submission of all required data and documentation to regulatory bodies. Maintain up-to-date records and ensure compliance with all regulatory deadlines. Key Decisions / Dimensions Check data/ information received from internal stakeholders before submission to Regulators Prioritization of work and tasks as per situations and requirements Co-ordination with stakeholders and submitting on various tool requirement 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Liaison with the Internal stakeholders for obtaining data/ information to be provided to regulators Continuous engagement and work with key horizontal functions like Finance, Risk, Treasury, Operations, etc External Clients Roles you need to interact with outside the organization to enable success in your day to day work Liaison with the RBI & Group level stakeholders for regulatory and statutory

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

The role largely would be responsible for sourcing through direct channels (Job Portals like Naukri, HIRIST, Etc) Should be able to network with external forums and group in effectively sourcing the right profiles. Responsible for entire life cycle of Recruitment process including sourcing, screening, interviewing, offer discussion and on boarding process. Should have a strong understanding of Recruitment landscape specially in the tech/ IT areas or Sales / Collections Areas. Weekly reporting on MIS and dashboards on the status of open roles and current status. Develop and Manage strong consultative relationships with hiring managers and candidates. Should have a very strong understand of various channels of recruitment / Sourcing such as the employee referral programme, internet, print, resourcing partners and technology enable the process to facilitate effective tracking of resumes Participate in recruitment knowledge sharing and best practices Assist the team in developing and implementing new initiatives and projects Required Qualifications and Experience 1-3 Years of experience in Talent Acquisition in IT / Support roles / Finance Services Sector / Sales / Collections MBA or Post Graduate Diploma in Human Resources Skills: Excellent Communication Interpersonal Skills. Role involves working closing with respective Lead in ensuring al Open Positions are filled within the SLA Work Closely with Hiring Managers in Sourcing relevant profiles for the Hiring Managers. Ability and willingness to source through direct channels and not limited to Job Portals only. High energy levels need to demonstrate positive drive and resilience towards challenges. Should be able to work under pressure and convert Open Positions Stress into positive outcomes. Ability to demonstrate high level of awareness in managing stake holder expectations and both stated and unstated needs. Should be good with numbers and ability to create and maintain various reports using MS Office Tools.

Managing and supporting the effective deployment of team of sales professionals with respect to that geographical area, exploring new markets and in allocating resources to most profitable opportunities. Achieving sales target and cross selling insurance Creating a strong compliant sales culture across the channel to drive acquisitions, profitability and employee development. Identifying the need of sales training, analyzing changing market trends, channel deployment etc Also giving feedback suggestions to the RSM. Ensure implementation of promotional plans contests and suggesting new and innovating promotion plan for the area of work. Retaining high performers and replace poor performers Ensuring highest levels of employee relationship, motivation engagement to drive results high levels of employee satisfaction. Ensuring that Goals, PMP discussions, Development Plan discussions, ongoing coaching and feedback, skip level meetings are done on time and in an effective manner. Effectively engage Operations Risk teams to understand and contribute to overall processes profitability across locations. Managing Collections of the acquired portfolio. Handling customer grievances if any Required Qualifications and Experience Relevant sales experience in managing large sales channels in multiple market environments Should have overall knowledge to source from salaried loans business. Good communication, analytical skills and Channel management skills Demonstrated success achievement orientation. Excellent communication skills. Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Strong analytical skills to drive channel performance and drive profitability. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success & achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action & driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

To achieve Debt Management Services targets of the Respective Branch assigned, ensuring meeting PI Targets Continuously monitoring Debt Management Services agencies and Inhouse collectors to identify fraudulent practices and ensure that no loss is incurred due to such activities Achieve collections target by visiting customers/agency Monitor performance against set parameters and provide regular updates and providing proper guidelines Milestone reviewing and tracking Ensure legal guidelines are complied with while repossessing products Travelling with the ROs To do timely allocation of the cases of the team members Should be Profecient in excel Daily tracking of the performance of the team members Maintain accurate records of customer interactions and transactions Handle escalations promptly and effectively to resolve issues Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates Counsiling and grooming of his direct reportee to enhance and polish their skill sets Manage a team of collection officers to achieve overall targets Rectify problems encountered during the collection process Manage average collection reports to monitor and improve collection performance Legal Recovery for Urban NPLWheels (Vehicle Finance) Repo and Legal ManagementLitigation Case Management Compliance Risk MitigationReporting Documentation

The Debt Management Specialist will be responsible for managing and coordinating the recovery of overdue payments on loans or credit accounts Achieve collections target by visiting customers/agency Monitor performance against set parameters and provide regular updates and providing proper guidelines Milestone reviewing and tracking Ensure legal guidelines are complied with while repossessing products Travelling with the ROs To do timely allocation of the cases of the team members Should be Profecient in excel Daily tracking of the performance of the team members Maintain accurate records of customer interactions and transactions Handle escalations promptly and effectively to resolve issues Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates Counsiling and grooming of his direct reportee to enhance and polish their skill sets Manage a team of collection officers to achieve overall targets Rectify problems encountered during the collection process Manage average collection reports to monitor and improve collection performance Legal Recovery for Urban NPLWheels (Vehicle Finance) Repo and Legal ManagementLitigation Case ManagementCompliance Risk MitigationReporting Documentation

FOS Management: - Recruit, train and motivate the team - Manage the FOS productivity Distribution development: - Distribution mapping by category manufacturer. - Build distribution for the business. - Initiating and developing relationships with key decision makers in the relationships managed for business development. Distribution management: - Ensure proper distribution coverage through proper FOS mapping. - Manage channel relationships. - Drive sales numbers retailer payment recon. - Work with partner on Sales promotion ideas and execution to drive sales. - Ensure process rigor and controllership. - Visibility at point of sale Required Qualifications and Experience Required Qualifications and Experience: Should be an MBA with 1 years of experience OR Graduate with minimum 3 yrs of experience Prior exposure to FMCG / Telecom Pre-paid sales is mandatory For internal candidates, people with Distribution handling roles in Consumer Durables, Digital LSF roles are preferred. Good communication and interpersonal skills Should be high on energy a self starter Should have a passion for being out on the field and meeting Retailers.

First link of management between the executors ie field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention & Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing & controlling PDD requirement compliance Reduction in customer complaints & cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk & within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee we'll in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department ie product, credit, Ops, RCS & compliance to process the file. Connect with HR department for hiring & retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 ie Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers & colleagues across the company. Excellent Team management & Interpersonal Skills. Excellent command over communication skills. Highly ambitious & self-motivated

Risk Management is core to Bajaj Finance. Most of the decisions in Risk Management are policy based, data driven and analytical. Position involves managing monthly update of product policies for BFL business and ensuring maintenance of policy database on the product program portal. Engaging with risk spocs and relevant stakeholders to ensure policy documents updates and SMT signoff is completed within timelines. Also work cross-functionally into areas such as data reconciliation, financial analysis etc Engaging with IT team to continuously upgrade to product program portal to improve user experience. Assist in horizontal risk projects. ORGANISATIONAL CHART (First level reporting chart for the job. Sample chart below) 3. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Track and ensure the policy documents for all the BFL businesses are updated monthly. Ensure the updated policy document is uploaded on the product program portal and signoff is obtained from all stakeholders across departments including but not limited to Business, IT, Credit Operations, Underwriting, Collections, Finance, Legal Compliance. Undertaking additional activities such as data reconciliation, business planning etc Publish monthly reports and dashboards to SMT. Act as a central contact between risk and IT teams for resolution of issues being faced in the usage of product program portal. Engage with IT team for implementation of new functionalities to improve user experience for the product program portal. Conduct discussions, raise user stories, perform UAT and deliver implementation of new functionalities within TAT in co-ordination with IT team. Prepare presentations for SMT reviews. Coordination within internal/external team to close all actionable items. Any other risk activity as warranted. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) - Ensuring Sign-offs from stakeholders - Liasing with IT and other teams for implementing functionalities 5. DECISIONS (Key decisions taken by job holder at his/her end) - Updates on Product Program Portal - Ideation to make the portal interactive and user friendly 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Portfolio Risk Managers, Information Technology (IT), Portfolio Business heads, Chief Risk Officer, Risk Analytics Head. External Clients Roles you might need to interact with outside the organization to enable success in your day to day work NA 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) NA Other Dimensions (Significant volume dimensions associated with the job) Individual contributor Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications CA/MBA Finance / Postgraduate with 1-5 years in Finance/ Regulation/ Compliance Work Experience Experience in Risk assessment / operations function of lending business. Deep understanding of Data, loss calculation, business planning etc 4-5 years of overall experience. Should have experience in handling inter department projects. Excellent Communication and Interpersonal Skills. Experience in data analysis and report drafting. Excellent Excel Power Point proficiency, MS-Office Positive attitude and team player. Experience of establishing and maintaining relationships with business units / managers for managing day-to-day business.

The Legal Officer for Debt Management Services will be responsible for managing legal activities concerning the recovery of urban Non-Performing Loans (NPLs) and vehicle loans (Wheels segment). Achieve collections target by visiting customers/agency.Monitor performance against set parameters and provide regular updates and providing proper guidelines. Milestone reviewing and tracking.Ensure legal guidelines are complied with while repossessing products.Travelling with the ROs.To do timely allocation of the cases of the team members.Should be Profecient in excel. Daily tracking of the performance of the team members.Maintain accurate records of customer interactions and transactions.Handle escalations promptly and effectively to resolve issues.Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates.Counsiling and grooming of his direct reportee to enhance and polish their skill sets.Manage a team of collection officers to achieve overall targets.Rectify problems encountered during the collection process.Manage average collection reports to monitor and improve collection performance.Legal Recovery for Urban NPLWheels (Vehicle Finance) Repo and Legal ManagementLitigation & Case ManagementCompliance & Risk MitigationReporting & Documentation.

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio