86 Business Loans Jobs - Page 3

Walk-in Drive for "Sales Manager, PL" role in KL Calicut location on 11th July 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Calicut Office. Role & responsibilities 1.Business Development through channels (DSA). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Preferred candidate profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com and walk-in directly to below address on 11th July 2025 SMFG India Credit Company Door No:65/2216, C3,Second Floor, Trinity Arcade, Kannur Road, West Nadakkave, Vellayil, Kozhikode(Dist), Kerala -673011

Role & responsibilities Role & responsibilities He/she will be responsible for managing a delinquency-free Loan portfolio. The incumbent is required to do this in a cost-optimal manner and ensure that there are no adverse fallouts due to the collections means employed. He is required to build the necessary analytic models to provide feedback to the underwriting He is required to set up sound Collections processes while adhering to the Fair Practices Code. He is required to build up the Collections Infrastructure through recruitment of the right personnel, engagement of external agencies wherever appropriate and setting up of tele calling enters to ensure constant proactive customer reach out to prevent early-stage delinquency and reduce flows to higher buckets. Draft and implement a standard recovery process for the business to cut down NPAs and reduce delinquency across buckets. Preferred candidate profile Candidates must be only from NBFCs or banks with Collections experience in BL and LAP. Candidates must possess knowledge of Legal recovery. Ability to multitask and deliver qualitative outputs consistently at short deadlines Good communication.

Urgent Job Opening with leading bank Role- Business Banking Relationship Manager- Working Cpital Responsibilities: Acquire and manage a portfolio of SME clients in the lending space. Handle Working Capital Loans and Term Loans for SME customers. Develop and maintain strong relationships with SME clients. Requirements: Minimum of 5- 10 years of relevant experience in acquisition and portfolio management in SME lending (from Banks or NBFCs). In-depth knowledge of SME loans and financial products. Excellent relationship management skills. Locations: Chennai, Bangalore, Hyderabad Interested Candidates can share profiles to 7305280683

Urgent Job Opening with leading bank Role- Business Banking Relationship Manager- Working Cpital Responsibilities: Acquire and manage a portfolio of SME clients in the lending space. Handle Working Capital Loans and Term Loans for SME customers. Develop and maintain strong relationships with SME clients. Requirements: Minimum of 7-14 years of relevant experience in acquisition and portfolio management in SME lending (from Banks or NBFCs). In-depth knowledge of SME loans and financial products. Excellent relationship management skills. Locations: Chennai, Bangalore, Hyderabad Interested Candidates can share profiles to 8925889564

Job Purpose Sales Manager is the front end sales position of the Bank having primary objective to acquire & grow business in Salaried loan segment. SM has to meet the Business target and Productivity benchmark by generating maximum potential business in assigned area / location in Prime Market through Branches, Open Market & DSA Business. Allocation of Channels varies from time to time depending upon business exigency. Job Responsibilities(JR) : 6 8 Areas Actionable (4-6) To Meet benchmark Targets and SM Productivity Norms by Generating business through Branches , Open Market & Channels. To achieve assigned targets, break it up for DSAs, Branches & HBL in both Value & Units basis the potential. Considering numbers to be disbursed based on approval ratios, plan on logins. To help them in identifying avenues of sourcing business under various product programs & segments. To ensure that proper segment, sourcing channel & product mix is maintained i.e. among Branches, DSAs & Self Sourcing with adequate sourcing from businessmen & self-employed professionals. Also sourcing to be done in a balanced manner under various product programs. Monitor & review business progress of channels, FOS & Branches on regular basis and highlighting area of concern to branches / concerned persons. Timely and proper reporting to be done regularly to supervisors on daily affairs. Also provide information on internal & external development which is in the benefit of business. Benchmark productivity of FOS and Channels. Sales manager has to ensure that benchmarks of FOS & channels are met. To ensure that proper training on product, process & other quantitative / qualitative parameters are given to them. Any changes in all these to be downloaded immediately and refresher training to be done periodically. For new FOS/channels, initial hand holding to be done by SM, so as to make them productive in short time. Visibility, Awareness & Promotion of the Product ensuring more lead generation and business. To create awareness about our products by way of training channels & FOS, timely updates on changes therein. Also create awareness by doing activities in the catchment areas. To create visibility by making available and display of promo material, leaflets, brochures, canopy, posters, banners etc. Placing them at branches, ATM, distribution in the market places, newspaper inserts etc. These activities are to be done with an aim to generate more leads and business. Follow processes, Branch/Channel/Customer visits, lead management, updates and improve upon efficiency To ensure timely updation of leads in CRM as per defined TAT. Branch visits & updating Cogent to ensure enough presence at branches, planning of actionable and execution thereof. Visits have to be planned and entered in the Cogent with actionable. Work on agreed actions by deadlines and then update SM planner post action taken. To have a connect with Customer and seeking their constant feedback thereby improving on policies & processes, Customer Interaction Report to be updated on CRM for every customer being visited / met. To ensure visiting DSAs and verifying that TRAI guidelines are adhered to for calling, review of files for login, audit of processes. Cross selling & KOs To ensure increasing the wallet share from the Customer thereby selling all the products of the Bank as per assigned targets ie CASA, FD, Credit Cards, Insurance & Other Assets. Hiring of FOS & Channels To ensure hiring, training & nurturing the business sourcing channels like DSAs / FOS.

Job Purpose Sales Manager is the front end sales position of the Bank having primary objective to acquire & grow business in Salaried loan segment. SM has to meet the Business target and Productivity benchmark by generating maximum potential business in assigned area / location in Prime Market through Branches, Open Market & DSA Business. Allocation of Channels varies from time to time depending upon business exigency. Job Responsibilities(JR) : 6 8 Areas Actionable (4-6) To Meet benchmark Targets and SM Productivity Norms by Generating business through Branches , Open Market & Channels. To achieve assigned targets, break it up for DSAs, Branches & HBL in both Value & Units basis the potential. Considering numbers to be disbursed based on approval ratios, plan on logins. To help them in identifying avenues of sourcing business under various product programs & segments. To ensure that proper segment, sourcing channel & product mix is maintained i.e. among Branches, DSAs & Self Sourcing with adequate sourcing from businessmen & self-employed professionals. Also sourcing to be done in a balanced manner under various product programs. Monitor & review business progress of channels, FOS & Branches on regular basis and highlighting area of concern to branches / concerned persons. Timely and proper reporting to be done regularly to supervisors on daily affairs. Also provide information on internal & external development which is in the benefit of business. Benchmark productivity of FOS and Channels. Sales manager has to ensure that benchmarks of FOS & channels are met. To ensure that proper training on product, process & other quantitative / qualitative parameters are given to them. Any changes in all these to be downloaded immediately and refresher training to be done periodically. For new FOS/channels, initial hand holding to be done by SM, so as to make them productive in short time. Visibility, Awareness & Promotion of the Product ensuring more lead generation and business. To create awareness about our products by way of training channels & FOS, timely updates on changes therein. Also create awareness by doing activities in the catchment areas. To create visibility by making available and display of promo material, leaflets, brochures, canopy, posters, banners etc. Placing them at branches, ATM, distribution in the market places, newspaper inserts etc. These activities are to be done with an aim to generate more leads and business. Follow processes, Branch/Channel/Customer visits, lead management, updates and improve upon efficiency To ensure timely updation of leads in CRM as per defined TAT. Branch visits & updating Cogent to ensure enough presence at branches, planning of actionable and execution thereof. Visits have to be planned and entered in the Cogent with actionable. Work on agreed actions by deadlines and then update SM planner post action taken. To have a connect with Customer and seeking their constant feedback thereby improving on policies & processes, Customer Interaction Report to be updated on CRM for every customer being visited / met. To ensure visiting DSAs and verifying that TRAI guidelines are adhered to for calling, review of files for login, audit of processes. Cross selling & KOs To ensure increasing the wallet share from the Customer thereby selling all the products of the Bank as per assigned targets ie CASA, FD, Credit Cards, Insurance & Other Assets. Hiring of FOS & Channels To ensure hiring, training & nurturing the business sourcing channels like DSAs / FOS.

ORGANISATIONAL Company : Bajaj Finance Limited Business Group : SME Department Business Loans - Indirect Sub_DepartmentSecured - West Sub_Sub_Department : Sales Country : India State : MAHARASHTRA Region : West City : Mumbai Location Name : Mumbai - Goregaon, Mumbai - Thane, Vashi, Panvel and Mumbai - Kalyan Job Title : Deputy Area Manager & Deputy Manager Business Loans - Direct & Indirect, Secured - West, Sales Experience : 2 Years to 5 Years JOB Description: J ob Purpose To provide customized lending solutions for business loans, empowering clients to achieve their financial goalsCulture Anchor:Work Hard - Consistently puts in effort. plans and tracks daily progress to achieve targetsExecute with Rigor - Takes responsibility for meeting targets with focus and effortOwn It - Maintains honesty and fairness in all interactions in line with organization's policiesAct with Integrity Duties and Responsibilities Identify and target potential clients for business loans through channel partners/open market sourcing.Build, retain and maintain strong relationships with Clients/Channel partners to generate business.Effectively engage with credit, operations & risk team to streamline the loan approval process and enhance customer experience.Guide clients through the loan application process, addressing any questions or concernsStay updated on market trends, loan products, and regulatory changes to provide informed advice to clientsConduct follow-ups with clients pre-closure and postclosure to ensure satisfaction and encourage referrals.Collaborate with Collection team to improve recovery process.Ensure compliance with company policies and regulations. Required Qualifications and Experience To provide customized lending solutions for business loans, empowering clients to achieve their financial goal

Walk-in Drive for "Sales Manager, PL" role Role & responsibilities 1.Business Development through channels (DSA). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Preferred candidate profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and benefits Salary is not constrain for right candidate. Interested one can hit your resume to hem.kanwar@smfgindia.com SMFG India Credit Company 1st Floor, 83 Veer Durga Das Nagar, Guru Nanak Marg, Pali, 306401 ( Rajasthan )

Role & responsibilities We're hiring for Regional Sales Manager Solar MSME Finance Preferred candidate profile Develop and maintain strong relationships with EPC contractors and MSMEs in the solar/clean energy space. Drive lead generation and sales of solar finance products. Set and achieve monthly sales targets for both individual and team performance. Recruit, train, and manage a team of Sales Officers/Executives. Provide hands-on leadership, coaching, and performance monitoring. Ensure an outstanding customer experience by resolving queries and providing expert guidance. Identify new business opportunities through market research and competitor analysis. Coordinate with internal teams for seamless loan processing, documentation, and support.

Relationship Manager Financial Services Experience: Minimum 3 Years Qualification: Any Graduate / Postgraduate Key Responsibilities: Client Acquisition & Relationship Management Identify potential customers and generate leads for loan products and liability accounts. Build and maintain strong relationships with both new and existing clients. Understand customer financial needs and provide tailored solutions. Sales & Product Management Promote and sell financial products, including Personal Loans, Business Loans, Credit Cards, Savings Accounts, and Fixed Deposits . Ensure customer retention by managing liabilities effectively. Achieve sales targets for both loan and liability products. Market Analysis & Reporting Stay updated with market trends and competitor offerings to optimize sales strategies. Provide insights on sales performance, customer feedback, and market opportunities. Key Requirements: Minimum 2 years of experience in the financial sector, handling multiple products. Strong sales and negotiation skills . Excellent communication and interpersonal skills . Ability to manage multiple financial products efficiently. Knowledge of banking and financial regulations .

Walk-in Drive for "Sales Manager, PL" role in KL Calicut location on 11th July 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Calicut Office. Role & responsibilities 1.Business Development through channels (DSA). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Preferred candidate profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com and walk-in directly to below address on 11th July 2025 SMFG India Credit Company Door No:65/2216, C3,Second Floor, Trinity Arcade, Kannur Road, West Nadakkave, Vellayil, Kozhikode(Dist), Kerala -673011

Walk-in Drive for "Sales Manager, PL" role in KL Cochi location on 10th July 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Cochi Office. Role & responsibilities 1.Business Development through channels (DSA). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Preferred candidate profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com and walk-in directly to below address on 10th July 2025 SMFG India Credit Company Floor: Door No: 42/3406, Civil Lane Road, Padivattom, Cochin 682024, Landmark : Opposite Auto Team Pre Owned Card Showroom

Walk-in Drive for "Sales Manager, PL" role in KL Thrissur location on 9th July 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Thrissur Office. Role & responsibilities 1.Business Development through channels (DSA). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Preferred candidate profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com and walk-in directly to below address on 9th July 2025 SMFG India Credit Company First Floor, Presidency Shopping Complex, Off M.G. Road, Poothole, Thrissur-680 004

Lead and manage the credit risk function, ensuring alignment with the organizations risk appetite. Conduct detailed financial and ratio analysis to assess creditworthiness and risk exposure. Implement lending practices that are compliant with RBI guidelines and regulations. Collaborate with stakeholders across departments, maintaining clear communication and alignment on risk-related decisions. Monitor, assess, and mitigate loan portfolio and credit product risks. Manage and mentor a team of credit risk analysts, ensuring high performance and continuous development. Provide insights into credit policy reviews and adjustments based on emerging risks and market conditions. Handle stakeholder management and effectively communicate risk decisions and strategies to senior leadership. 6+ years of experience in Credit Risk within the NBFC, banking, or startup environment. Strong experience in financial analysis, ratio analysis, and risk assessment. Deep knowledge of lending processes and RBI guidelines. Proven team handling and stakeholder management skills. Excellent communication and presentation abilities. Prior experience in a startup environment or high-growth financial services firm. Proficiency in credit risk tools and data analytics.

Assist in evaluating and underwriting business loans, ensuring sound credit decisions are made. Conduct financial analysis and enterprise underwriting to assess the creditworthiness of borrowers. Perform industry analysis to identify risks and opportunities within specific sectors. Monitor loan portfolios and provide recommendations on mitigating credit risk. Collaborate with the team and senior credit risk lead to align credit practices with company policies and RBI guidelines. Ensure proper documentation and compliance with internal credit risk policies. Communicate effectively with various stakeholders, providing clear and actionable insights into risk assessments. Work Exp. - 2+ years of experience in credit risk, preferably within fintechs, banks, or NBFCs. Strong understanding of financial enterprise underwriting and business loans. Experience in lending and credit risk assessment within the financial services sector. Proficiency in conducting financial and industry analysis. Excellent verbal and written communication skills.

Department : Sales Unsecured loans Reporting To: City/Cluster Manager Company Name: NeoGrowth Credit Private Limited ( www.neogrowth.in ) About Us NeoGrowth is a new-age digital lender, with a focus on Micro, Small, and Medium Enterprises (MSMEs). We are a Systemically Important, Non-Deposit taking Non- Banking Financial Company (NBFC-ND-SI), offering a wide range of products tailored to the dynamic needs of small businesses. Our data science and technology-led approach enable us to offer quick and hassle-free loans to MSMEs across 70+ segments across 25+ cities in India. We offer a unique daily repayment option to our customers with multi-channel repayment modes. We have served and engaged with 1,00,000+ businesses and supported them with their growth ambitions. We not only help small businesses grow but also drive financial inclusion making a positive social impact . Job Profile:- * Experience in the sales of (Business Loan) * Should have excellent network in market * Should have good knowledge of business loans segment * Should be a Go -Getter and a Team Player. Key Responsibilities:- Associate Manager-Customer Acquisition will be responsible for Prospecting, developing and acquiring clients (business merchants) through direct sourcing or channels (DSA/ Alliances/ others). Meeting productivity targets on loan disbursements on Month on Month (MoM) basis. Understanding the product offering clearly. Ability to explain the product to the merchants. Achieving set disbursal targets through lead generation and fulfilment from alternate channels. Qualification & Experience Graduate is a must. 1 to 5 years of experience in a Bank/Insurance company or a NBFC.

Position - Relationship Manager - Bharat Business Loans - Marketing Branches Operations To handle customer service requirements like account opening, DMAT account opening, grievances, liability product selling, education on product features, cheque book issuance. Quality of advice given to customers as determined by customers and supervisor. Speed and efficiency of service given. Sales targets for bank and investment products. Going beyond the professed need of the customer by providing other products. Enhancement of customer value. Cross-sale of assets products. Back-up to relationship managers holding HNI relationships. Ensure low attrition ratios. Customer acquisition through referrals from existing customers. Graduates with total experience of 1-3 years with relevant exp of atleast 1 year in financial services or banks. Equal blend of service and sales orientation. In the absence of equality, sales orientation as a skew will be acceptable. Experienced customer service candidates from financial services ( those from MFund, securities houses etc) with sales orientation can be considered.

Kinara Capital is hiring for Branch Sales Head for Hosur and Erode, Candidates with team handling experience can apply, NBFC Business loan experience will be an added advantage Directly responsible in all aspects of spoke operations such as Target achievement, Appraisals, On-Time-Repayment, Documentation. Specifically, monitor performances all spokes Improve productivity continuously Research, Analyze, and recommend strategies to pilot main-stream and scale- up Individual lending products Recruitment of personnel in collaboration with HR Shall be the single point contact and be responsible for all administration related issues

Role & responsibilities Responsible for branch productivity. Adherence to process, disbursement Collection etc. Should have potential to take the initiative in building a growing customer base. Responsible for recruitment of relationship managers for particular branches. Responsible for managing Profit and loss of a branch and ensuring profitability of strategic SBU Preferred candidate profile A graduate / P.G in any discipline. Minimum 4 to 5 year of experience LAP / Business loan. Must have team handling Experience

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Position - Business Relationship Manager - Business Loans-Consumer Service Group-Sales Job Role: Responsible for developing good relations with Internal Teams & Corporates to generate leads (Both Dealers and Vendors) Ability to map the markets to identify Vendors/Dealers associated with the on-boarded Corporates Managing end-to-end Customer on boarding, i.e. starting from analysing their requirements, structuring the loan, negotiating commercials and ensuring disbursement Identify New corporates for tie-ups and working with product team to design programs Managing the relationship and ensuring utilisation of limits To be alert on competitive elements in the target segments (viz. other banks/NBFC) & Augment the presence and penetration of the Kotak brand in the target market Job Requirements: Working Capital Product knowledge is required as well as have a good understanding of different business models, cash flows, Risk. Ability to understand financials and propose deals is critical MBA/ CA mandatory Experience of 2 years Plus Strong oral and written Communication & should be able to Negotiate well.

What role you will play in team You will assess the creditworthiness of loan applicants and make informed lending decisions You are critical in mitigating risk for the bank What you will do You will review loan applications analyze financial statements and conduct credit scoring You will also prepare credit reports and make recommendations on loan approvals Key responsibility Review loan applications and associated documentation Analyze financial statements and credit reports Conduct credit scoring and risk assessment Prepare comprehensive credit reports Make recommendations on loan approvals or denials Adhere to bank policies and regulatory guidelines Required Qualification and Skills Bachelor s degree in finance accounting or related field

Relationship Manager Financial Services Experience: Minimum 5 Years Qualification: Any Graduate / Postgraduate Key Responsibilities: Client Acquisition & Relationship Management Identify potential customers and generate leads for loan products and liability accounts. Build and maintain strong relationships with both new and existing clients. Understand customer financial needs and provide tailored solutions. Sales & Product Management Promote and sell financial products, including Personal Loans, Business Loans, Credit Cards, Savings Accounts, and Fixed Deposits . Ensure customer retention by managing liabilities effectively. Achieve sales targets for both loan and liability products. Market Analysis & Reporting Stay updated with market trends and competitor offerings to optimize sales strategies. Provide insights on sales performance, customer feedback, and market opportunities. Key Requirements: Minimum 2 years of experience in the financial sector, handling multiple products. Strong sales and negotiation skills . Excellent communication and interpersonal skills . Ability to manage multiple financial products efficiently. Knowledge of banking and financial regulations .