4075 Business Loan Jobs - Page 14

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications: CA/MBA (Preferable) Location - Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai

To drive sales and ensure business targets are achieved o Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals o Maximize sales through a network and relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies o Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Post Graduate/ Graduate in any discipline Location - Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location - Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To drive sales and ensure business targets are achieved o Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals o Maximize sales through a network and relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies o Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Education: Post Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Key Objectives : To drive sales and ensure business targets are achieved Responsibilities : 1. Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. 2. Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals 3. Maximize sales through a network and relationships to ensure strong business 4. Develop and maintain strong liaisons with the clients for repeat business or referrals. 5. Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. 6. Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area 7. Align with the team on ground lead generation activities for Sales. 8. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies 9. Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 10. Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. 11. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Qualification -Graduate in any discipline

To drive sales and ensure business targets are achieved o Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals o Maximize sales through a network and relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies o Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Post Graduate/ Graduate in any discipline

1. Maximize sales through a dealer network and channel relationships to ensure strong business 2. Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. 3. Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals 4.Develop and maintain strong liaisons with the clients for repeat business or referrals. 5.Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. 6.Optimize team productivity by effectively managing the team of relationship managers/executives so as to assure achievement of team results and thereby meet the business targets and profitability of the area 7.Align with the team on ground lead generation activities for Sales. 8. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies 9. Drive direct business by cross -sell or up sell from existing customer base of the prganisation as well as from open market references 10. Ability to cross sell other loan and insurance products along with Car loan, drive team for over achieving the targets across all segments 11. Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 12. Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. 13. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Qualification - P ost Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Post :- Home Loan (RO/RM/SM/DSA ) Manage sales of home loan products Source and develop new business through the open market Full fill leads and implement sales strategies to meet targets Good talking skills and interest in field work needed Required Candidate profile • Candidate must be graduate • Must have 1 year of experience in home Loan Sales / Mortgage Loan / BFSI Sales • Age : 21 to 50 YEARS For more info. Call OR WhatsApp : 6354241839 Hr. Manisha

Post :- Home Loan (SO) Manage sales of home loan products Source and develop new business through the open market Full fill leads and implement sales strategies to meet targets Good talking skills and interest in field work needed Required Candidate profile • Candidate must be graduate • Must have 1 year of experience in home Loan Sales / Mortgage Loan / BFSI Sales • Age : 21 to 37 YEARS For more info. Call OR WhatsApp : 9429770204 Hr. Shivani

Key Responsibilities: Product Strategy & Roadmap: Define and own the end-to-end strategy for this marketplace, from ideation through scale-up, aligned to marketplace growth targets. Lender & Partner Management: Establish and nurture relationships with banks, NBFCs, and fintech lenders; negotiate commercial terms, SLAs, and co-branding agreements . Go-to-Market & Growth: Design acquisition and distribution strategiesincluding co-branded campaigns, outbound lead gen, and channel partnershipsto drive loan volumes and market share . Underwriting & Risk Framework: Collaborate with credit risk, analytics, and technology teams to develop bespoke underwriting policies for these products; continuously monitor portfolio performance and implement corrective actions . P&L Ownership: Manage all financial leversinterest margins, fee structures, credit coststo deliver profitability and scale; prepare periodic financial reviews for senior leadership . Technology & Operations: Partner with product, engineering, and operations teams to build seamless loan application flows, integrate lender APIs, and ensure compliance with KYC, AML, and regulatory requirements . Stakeholder Coordination: Liaise with legal, compliance, finance, customer-facing teams, and external auditors to finalize SLAs, draft agreements, and maintain governance standards . Manage communication, sales channel to drive business volumes Responsible for market landscape, process, partners, business model, partners, tech journey etc Liaising with lending partners ensuring smooth flow of operations, policies and expectation setting Develop and maintain reporting & application systems and coordinate information exchange with all stakeholders Skills Required: Lending Partner Management , PnL , MSME Loans , Market Segmentation , Product Management , Business Strategy , Seller Financing Candidate Attributes: Skill Set: 7-12 years of experience in digital lending, fintech product management, or NBFC/BANK credit roles, preferably with a focus on SME or these secured loan verticals Should have understanding of market segmentation and lender wise offerings in variousproducts including capital goods buyers and lender product offerings (relevant tot these products)Proven track record in lender P&L creation, partner revenue-share negotiation, and scaling co- lending or referral businesses Strong analytical skills with hands-on experience in underwriting policy design, credit scoring models, and portfolio risk management. Excellent stakeholder management and negotiation skills; ability to influence cross-functional teams and external partners. MBA from a Tier-1 institute or equivalent; background in finance or strategy preferred.

1. This is 100% field work and on rolls of bank. 2. Quality acquisition of Home Loans by going into the market catchment area. 3. Ensure quality sourcing of customers by selling different products like other diff. loans & insurances etc. Required Candidate profile Minimum 6 Month to 1 year experience in Field Sales Sales experience in Home Loan (HL), Loan against Property (LAP), Mortgage Loan or Insurance preferred Good Communication skills Age 21 to 38 Yrs

We are hiring smart sales professional on the rolls of AU Bank for the profile of Sales officer & Business Manager in Micro Business Loan vertical Locations- Jaipur Interview Date - 25th -July-25 (Friday) Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank, (A Scheduled Commercial Bank), AU Centre, 3rd Floor, Sunny Trade Centre, New Atish Market, Jaipur, Rajasthan 302019 Contact Person - Mr. Devender Upadhayay & Mr. Dhanraj Sharma-HR . Job Responsibilities: 100% achievement of the assigned targets for sales and collection. Doing Marketing activities, leafleting, Canopy. Identifying new source of business prospect and areas. Coordinating with prospective customer and existing customers for sourcing new business . Serving customer queries and Build up customer relationship and develop brand value in the market. Attending all the customer queries and providing resolution of their issues accordingly. Portfolio Management in Co-ordination with Operations & Collection department. Physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs. Following BM/PM and senior instruction , coordinating with FI, Collection , Valuation , Legal team for getting the desired visits reports done . Visiting the customers for first FI and meeting, taking the seniors to the customer place for visit and verification. Physical Verification of credit related documents like ITR'S, Bank Statements, receipts, ledger etc. and the property documents- Doing OSV ( Original Seen and verified) of these documents. Preparing basic CAM (Credit Appraisal Memo). Taking reference check of customer from local market and existing customers. Following policies & procedure as laid down by the company. Portfolio Management and visit to delinquent cases, doing collection of EMIs of such delinquent cases in calibration with collection team. Awareness, maintaining and stopping the Early Delinquency , Nonstarter cases in portfolio, train the team in order to be goal oriented and action oriented, deciding for the treatment of such cases wisely. Maintaining least OTC / PDD pendency and timely clearance of the same. Ensure to maintain non RPDC portfolio , all cases of portfolio should be ACH. Maintaining and collection of fresh bouncing cases EMI with charges as mentioned in policy, try to correct the operational errors and get the 100% cases repayment in NON PDC mode. collection of fresh data from open marketing activities for tele calling and self sourcing . Following of the leads so generated from this data receiving from telemarketing team . Completing the documentation of the files , filling the agreements , formats and other formalities for the disbursement of the case . Clearing all queries coming from credit , OPS , Legal , Valuation . Timely submission of daily MIS and sourcing data to reporting authority . Providing true and fair opinion based on customer's interaction. Clearing all the queries of the customer and make sure to clear him final ROI , Fees , Charges , and all other terms of the case absolute terms . Should not involve in any financial/non-financial transaction with the customer. Maintaining good and decent behavior while dealing with the customer, visiting his property, shop , go down and specially while taking photos of the property and house and surrounding with permission of the customer. Conducting the customer reference checks with at most sincerity and maturity - so the goodwill of the client should not be hampered or no defame should be there . Be sure not to disclose any financial or personal information of the existing / new clients with any ( existing / prospective clients ) or to anybody whomsoever outside company. Desired Profile: Min- 3 Years to 10 Year of experience in sales Age- Max 40 Should be comfortable with smart phones and computers and able to execute the basic functions on both the platforms, good knowledge of local demographics, Bearing KYC , NOC from other institution ( if coming from another FI/ employer) Should be preferably from local area having geographical knowledge of the place Customer Focus, Integrity Inclination towards Action and Urgency, Dynamic Growth Hard Work and orientation towards detailing

Serve as the primary point of contact for assigned client accounts, understanding their goals, needs, and challenges. Develop account strategies to overcome the challenges and action plans to meet client objectives and maximize account growth as per the target Conduct regular F2F business reviews with clients, discussing performance, identifying areas for improvement, and presenting new opportunities. Track and analyze account performance, sales data, account funnel, and market trends to identify opportunities and challenges. Drive business growth for newly onboarded partners by working on their basic hygiene and health metrics Deliver Incremental Revenue from the assigned clients through monetization and commercial improvements. Deliver incremental counter share for all assigned clients by strategic planning to dominate market share. Maintaining a strong relationship with restaurant owners and delivering best-in-class restaurant NPS. Collaborate with internal teams to coordinate and deliver exceptional service to clients, addressing any issues or concerns promptly.. Generate leads and proactively approach potential clients, presenting our value proposition and securing new partnerships. Desired Candidate: Graduate with excellent communication skills. Good working knowledge and experience of e-commerce activities and all online marketing channels Confident, Pleasing and a go-getter personality Effective communication skills Attitude Aptitude for Sales Should be a team player, working alongside people from all walks of life. Analytical, good Excel skills. Leadership and Influencing skills: Identify, build, and use a wide network of contacts with people at all levels, internally and externally. Achieves a good result through a well-planned approach. Initiative Flexibility: Recognizes the need to adapt to change implement appropriate solutions. Be able to identify opportunities and recommend/influence change to increase the effectiveness and success of campaigns. Creativity Initiative: Demonstrate creativity originality in their work and have the personal drive and initiative to bring about change and help drive the business forward. Being the face of company in the market and standing up for the values we believe in. Benefits: 5 Working Days Monthly Incentives Travel Allowance Key Skills : Sales Channel Sales Lead Generation Client Visits Account Development Sales Funnel Market Analysis Onboarding Revenue Generation

Key Responsibilities: Market Sourcing: Actively seek out and establish relationships with Direct Selling Agents (DSAs) in the open market to source business for Unsecured Lending (Business Loan) products. Convert these DSAs into productive channels for sustained business generation. Client Sourcing Conversion: Identify and source potential clients for Secured and Unsecured Lending (Business Loan) products through Channel Partners (DSAs). Engage with both Hunting and Farming DSAs to increase market share and counter share. End-to-End Process Management: Oversee the entire loan process, from file login to disbursement, ensuring a smooth flow and timely disbursement. Handle any necessary clearance of Outstanding Charges (OTCs) and Pending Documents (PDDs). Compliance Documentation: Maintain a strong understanding of necessary documentation and compliance standards, including Know Your Customer (KYC) requirements and financial documents. Ensure strict adherence to company policies and guidelines throughout the loan process. Sales Funnel Management: Ensure the efficiency of the sales funnel and maintain optimal turnaround time (TAT) from loan login to disbursement. Skills Required: DSA Sourcing Experience: Preferable experience in sourcing and managing DSAs for Business Loan generation. Communication Skills: Strong verbal communication skills, with a focus on being soft-spoken, persuasive, and client-focused when dealing with both clients and partners. Knowledge of Business Loans (BL): A fair understanding of Unsecured Lending products, along with awareness of various lending models (Banking). Perks Benefits: Competitive salary with performance-based incentives and travel allowances. Key Skills : Banking Sales Loan Sales Dsa Business Loan Sales

We are seeking energetic & result-driven Field Sales Executives to promote and sell loan products, including Home Loans, Loan Against Property (LAP), Business Loans, and Personal Loans. Sales incentives Travel allowance

Role & responsibilities: We are looking for a highly motivated and relationship-driven professional to manage and expand our DSA (Direct Selling Agent) and Connector network for SME/Business Loan sales in Ballari and nearby areas. Key Responsibilities Identify, onboard, and manage DSAs/connectors for SME/business loan sourcing. Drive disbursals through channel partner engagement. Train partners on product knowledge and documentation. Monitor partner performance and implement productivity strategies. Ensure compliance with internal and regulatory norms. Liaise with Credit, Risk, and Ops for process efficiency. Travel regularly for partner meetings and lead generation. Preferred Candidate Profile Graduate/Postgraduate (MBA preferred) 48 years of experience in DSA/channel sales (SME/Business Loans) Strong understanding of unsecured lending and market practices Excellent interpersonal and communication skills Proficient in local language and Hindi/English Must be open to travel within the assigned region Preferred: Experience with NBFCs, fintechs, or banks; existing DSA network in Ballari and surrounding areas

Product Description: Secured Loans Marketplace A significant proportion of IndiaMARTs SME buyers require financing solutions secured against assets to fund their procurement, growth, or working capital needs. The Secured Loans Marketplace aims to address this by offering a diverse suite of asset-backed financial products via partnerships with banks, NBFCs, and fintech lenders. Product Suite Includes: Loan Against Property (LAP): Secured loans offered against residential, commercial, or industrial property to finance business expansion or operational needs. Gold Loans: Short-term, high-speed loans secured against pledged gold, catering to urgent liquidity requirements. Auto Loans (Commercial Vehicles & Equipment): Financing for new or used commercial vehicles, machinery, or industrial equipment to power SME operations. Loan Against Securities (LAS): Loans offered by pledging mutual funds, shares, bonds, or other marketable securitiesenabling liquidity without liquidation. Loan Against Fixed Deposit (FD): Overdrafts or term loans secured against fixed deposits, offering low-interest funding for working capital. Cards Against FD: Prepaid or credit card limits backed by fixed depositsideal for SMEs without formal credit history. This digital-first marketplace integrates these offerings into IndiaMARTs buyer experience and provides curated options tailored to MSME profiles, purchase behavior, and asset ownership. Educational Qualifications: B.Tech/B.E ,and MBA/PGDM Job Responsibilities: Key Responsibilities: Product Strategy & Roadmap: Define and own the end-to-end strategy for this marketplace, from ideation through scale-up, aligned to marketplace growth targets. Lender & Partner Management: Establish and nurture relationships with banks, NBFCs, and fintech lenders; negotiate commercial terms, SLAs, and co-branding agreements . Go-to-Market & Growth: Design acquisition and distribution strategiesincluding co-branded campaigns, outbound lead gen, and channel partnershipsto drive loan volumes and market share . Underwriting & Risk Framework: Collaborate with credit risk, analytics, and technology teams to develop bespoke underwriting policies for these products; continuously monitor portfolio performance and implement corrective actions . P&L Ownership: Manage all financial leversinterest margins, fee structures, credit coststo deliver profitability and scale; prepare periodic financial reviews for senior leadership . Technology & Operations: Partner with product, engineering, and operations teams to build seamless loan application flows, integrate lender APIs, and ensure compliance with KYC, AML, and regulatory requirements . Stakeholder Coordination: Liaise with legal, compliance, finance, customer-facing teams, and external auditors to finalize SLAs, draft agreements, and maintain governance standards . Manage communication, sales channel to drive business volumes Responsible for market landscape, process, partners, business model, partners, tech journey etc Liaising with lending partners ensuring smooth flow of operations, policies and expectation setting Develop and maintain reporting & application systems and coordinate information exchange with all stakeholders Skills Required: Lending Partner Management , PnL , MSME Loans , Market Segmentation , Product Management , Business Loans Candidate Attributes: Skill Set 7-12 years of experience in digital lending, fintech product management, or NBFC/BANK credit roles, preferably with a focus on SME or these secured loan verticals Should have understanding of market segmentation and lender wise offerings in various products including capital goods buyers and lender product offerings (relevant tot these products) Proven track record in lender P&L creation, partner revenue-share negotiation, and scaling co- lending or referral businesses Strong analytical skills with hands-on experience in underwriting policy design, credit scoring models, and portfolio risk management. Excellent stakeholder management and negotiation skills; ability to influence cross-functional teams and external partners. MBA from a Tier-1 institute or equivalent; background in finance or strategy preferred.

Key Responsibilities: Bucket Management: Handle collections for the X Bucket of Two-Wheeler loan accounts (e.g., 60+ DPD) with focus on reducing delinquency and improving recovery rates. Team Management: Supervise and manage in-house and outsourced field collections teams; set targets, monitor performance, and provide necessary training/coaching. Agency & Vendor Coordination: Engage with collection agencies/vendors; monitor productivity and ensure adherence to compliance and process norms. Customer Interaction: Directly interact with customers wherever necessary to resolve disputes, negotiate settlements, and facilitate repayments. Data Analysis & Reporting: Analyze collection data, aging reports, and performance metrics. Share regular MIS reports with senior management. Compliance & Risk: Ensure all collections practices adhere to RBI guidelines, fair practices code, and internal compliance standards. Recovery Strategies: Develop and implement strategies for skip tracing, repossession (if applicable), and legal action for chronic defaulters.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location- Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)

To carry out the file audit of assigned locations as per hind sighting process and observe deficiency if any and follow up for their remarks / feedbacks for appropriate closure. Core Responsibilities: o Conduct periodical inspection of disbursed files to ensure process and polices norms are followed, highlighting areas of improvements at regular intervals. o Support the internal customers (credit and operations) team by providing feedback on qualitative processing and supporting improvements. o Implement effective controls and improvements in the process design, system and operation wherever required. o Prepare reports on the documention process adhering to timelines and accuracy. o Review customer data entry - demographic details (including income related & other additional information ), efficiency in LOS/Finone and ensure maximum files are processed and sanctioned with minimium error rate. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Coordinating for NHB & other statutory audit related to file maangement. o Consistently and continuously understand policy level changes in files processing and implement the same in the file inspection process. o Prepare accurate and efficient reports and MIS for the review. o Understand policies and provide training to location teams to ensure process and polices norms are followed. o Ensure all PMAY files are validated before submission of claim to regulator. o Ensure and validate KYC checking at 100% Qualification: Graduate, Masters/Post Graduate

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location- Mumbai,Delhi,Pune,Bangalore,Hyderabad,Chennai