379 Credit Operations Jobs - Page 5

Role & responsibilities 1. Initiate Customer Due Diligence in the system. 2. Customer onboarding by taking customer's and their related parties (like Security Providers, Auth Signatories etc.) KYCs. 3. Co-ordination with internal (Business, Credit, Legal, Risk, Credit and Finance Operation teams) and external stakeholders (Client,Trustee etc.) for getting the documents, closure of CPs(Condition Precedent) and getting disbursement done. 4. Post Disbursement activities like Security Creation, Perfection, Closure of CS(Conditions Subsequent) by following up with the client and trustee. 5. Other MIS activities and reporting etc.

This is very urgent opening and we require on immediate basis. Job Location - Banchari, Hodal(Palwal) Role & responsibilities 1. Day to day funds management tracker 2. Execution of daily banking transactions 3. LC / BG Issuance on time as per requirement of the business 4. Control over Interest and charges by best utilisation of lower cost limits 5. Day to day booking of entries in SAP & bank reconciliations. 6. Preparation of monthly cash flow with analysis. Key Responsibilities : Banking Operations : Transaction Processing : Oversee and manage daily banking transactions, including payments, receipts, fund transfers, and reconciliations. Bank Reconciliation : Perform regular bank reconciliations, ensuring that all transactions are accurately recorded and discrepancies are promptly resolved. Cash Management : Manage cash flows, monitor liquidity levels, and ensure optimal utilization of funds to meet operational needs. Vendor Payments : Process vendor payments, including checks, wire transfers, and electronic payments, ensuring timely and accurate settlement of obligations. Customer Transactions : Handle customer-related transactions such as deposits, withdrawals, and loan disbursements. SAP Expertise : SAP FI (Financial Accounting) : Utilize SAP FI module for managing general ledger, accounts payable, accounts receivable, and bank accounting functions. SAP Bank Accounting : Set up and maintain bank master data, manage house banks, and configure electronic bank statements in SAP. Integration : Ensure seamless integration of SAP banking operations with other financial modules (e.g., SAP Treasury, SAP CO) and external banking systems. Automation : Implement and maintain automated payment processes in SAP, including batch payments, direct debits, and auto-reconciliation. System Optimization : Identify opportunities to optimize SAP banking processes, enhancing efficiency and reducing operational risks. Financial Reporting and Compliance : Financial Reporting : Generate and review financial reports related to banking operations, such as cash flow statements, liquidity reports, and bank balances. Compliance : Ensure all banking operations comply with internal controls, company policies, and regulatory requirements. Audit Support : Prepare and provide documentation and reports for internal and external audits related to banking transactions and reconciliations. Risk Management : Fraud Prevention : Implement and monitor controls to prevent fraud, unauthorized transactions, and financial losses. Risk Assessment : Regularly assess and mitigate risks related to banking operations, such as credit risk, liquidity risk, and operational risk. Relationship Management : Bank Liaison : Act as the primary point of contact between the company and its banking partners, managing relationships and resolving any issues that arise. Negotiations : Negotiate banking terms, fees, and services to ensure favorable conditions for the company. Training and Support : User Training : Train and support team members in using SAP for banking operations, ensuring they are proficient in the system's functionalities. Documentation : Maintain detailed documentation of banking procedures, SAP configurations, and operational workflows. Perks and benefits Alternate Saturday is Off (2nd & 4th)

Dear Candidate, We are seeking an experienced Credit Operations Executive to join our team. The successful candidate will be responsible for ensuring the smooth operation of our credit processes, including KYC (Know Your Customer), loan document valuation, and handling TVR (Telephonic Verification of Report) calls. Key Responsibilities: • Verify customer identity and ensure compliance with regulatory requirements. • Review and validate KYC documents, including identification, address proof, and income verification. • Ensure accurate and timely updating of customer information in our systems. • Review and validate loan documents, including loan agreements, promissory notes, and security agreements. • Ensure compliance with regulatory requirements and internal policies. • Handle TVR calls from customers, providing timely and accurate responses to their queries. • Verify customer information and ensure that all necessary documentation is in place. • Resolve customer complaints and issues in a professional and courteous manner. Requirements: • Bachelor's degree in Finance, Accounting, or a related field. • Minimum 2-3 years of experience in credit operations, KYC, or loan document valuation. • Proven experience in handling TVR calls and resolving customer complaints. • Strong knowledge of credit operations, KYC, and loan document valuation. • Ability to work in a fast-paced environment and meet deadlines. • Good communication in Hindi is mandatory.

Would be responsible to achieve the sales target assigned. Handling the Team of Relationship Officers. New Client Acquisition & Business generation of MSME Business. Responsible for individual & team targets. Shall be responsible for sourcing, servicing, and disbursing the business and manage overdue collections. Taking care of team productivity and business. Team motivation/ training. Giving product training to existing and new hired team. Manage both internal & external channel for business expansion & development Coordination with other departments like Credit, Operations for processing of loan till final disbursement and ensure smooth servicing and operations. Shall be responsible for Overdue Collections & Revenue generation process. What we re looking for: Relevant Experience of Sales and Collection (in Asset Finance products, LAP, Mortgages, Business Loans, etc.) from Banks/ NBFC /Financial Institutions. Must have knowledge and hands-on experience of retail sales.

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing centre for All Branches Across India. Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system. Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations. Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs . Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system. To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. Continuously work on process improvements with PAMAC and Branches . To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable. Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Cluster Credit Manager Secured & Unsecured Lending Business 3 Grade : D2 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at PAMAC which is Standardized/ central processing centre for All Branches Across India. Primarily leading a set of outsourced credit process staff working out our Vendor PAMAC in Chennai , leading them to process credit proposals send by Branches thru Finn One system. Proactively respond to the business requirements & challenges and support Branch Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of approvals , and Disbursement dockets submitted to Central Operations. Review Branch level/Area level delinquency against policy parameters , delinquencies and NPAs . Analytically capable to set up proper credit parameters in system and lead the credit process into more digitally driven Eco system. To liaison with Gold Loan Branches and Area Managers login quality , training and process initiative implementation. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. Continuously work on process improvements with PAMAC and Branches . To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hard work. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with at least 3 years unsecured Lending experience in small mid ticket loans. Experience in Origination software like Finn one, risk tools like Perfios, Hunter, Karza is desirable. Strong understanding of appraising proposals from Lower & Middle Income MSME Customer Segments Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of small ticket unsecured Business loans preferred. 10 Job Location / State : Chennai /TN. 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Unsecured Lending Credit experience. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

In these roles, you will be responsible for: Support the accomplishment of all contracted service level targets/agreements. Assist in daily, weekly, and monthly quality assurance activities. Provides day-to-day support to the team and handle first level escalations as they arise or are assigned. Maintain a strong understanding of all tasks within the department including expert knowledge of the Chargeback lifecycle and the various reason codes. Identify opportunities to improve the efficiency and effectiveness of business processes and recommend management. Identify areas of opportunity for staff to develop knowledge/skills/competence necessary to complete their roles. Oversee and aid in new hire training and onboarding. Contribute to continuous learning activities promoting knowledge and skill development within the team. Assist in keeping all team members informed and up to date about all relevant and useful information. Act as a subject matter expert on projects/initiatives Act as a champion to the staff by raising ideas/concerns that contribute to the overall betterment of the team. Maintain relationships with internal and external clients. Frequent review of the MasterCard Worldwide Chargeback Guide to update and maintain knowledge of conditions and requirements for recovery purposes. Ensure excellent customer service, resolving customer complaints and issues in a timely and professional manner. Oversee daily branch operations, including transactions, customer interactions, and cash handling. Identify and mitigate potential risks, ensuring compliance with banking regulations and policies. Monitor and evaluate team performance, providing feedback and coaching to improve productivity and efficiency. Experience Needed Banking Experience: Typically, 10-12 years of experience in a banking environment, preferably in a supervisory or leadership role. Domain Experience: Should have managed AML Process for a minimum of 3 years and should have experience in Finance Transaction, settlement & Reconciliation, Credit offline & Customer service Investigator Leadership Skills: Proven leadership skills, with experience in managing teams and motivating staff. Customer Service: Excellent customer service skills, with experience in resolving customer complaints and issues. Operational Knowledge: Strong knowledge of banking operations, including transactions, cash handling, and risk management. Regulatory Compliance: Familiarity with banking regulations and policies, ensuring compliance and risk management. Communication Skills: Excellent communication and interpersonal skills, with ability to interact with customers, staff, and management.

In these roles, you will be responsible for: Support the accomplishment of all contracted service level targets/agreements. Assist in daily, weekly, and monthly quality assurance activities. Provides day-to-day support to the team and handle first level escalations as they arise or are assigned. Maintain a strong understanding of all tasks within the department including expert knowledge of the Chargeback lifecycle and the various reason codes. Identify opportunities to improve the efficiency and effectiveness of business processes and recommend management. Identify areas of opportunity for staff to develop knowledge/skills/competence necessary to complete their roles. Oversee and aid in new hire training and onboarding. Contribute to continuous learning activities promoting knowledge and skill development within the team. Assist in keeping all team members informed and up to date about all relevant and useful information. Act as a subject matter expert on projects/initiatives Act as a champion to the staff by raising ideas/concerns that contribute to the overall betterment of the team. Maintain relationships with internal and external clients. Frequent review of the MasterCard Worldwide Chargeback Guide to update and maintain knowledge of conditions and requirements for recovery purposes. Ensure excellent customer service, resolving customer complaints and issues in a timely and professional manner. Oversee daily branch operations, including transactions, customer interactions, and cash handling. Identify and mitigate potential risks, ensuring compliance with banking regulations and policies. Monitor and evaluate team performance, providing feedback and coaching to improve productivity and efficiency. Experience Needed Banking Experience: Typically, 10-12 years of experience in a banking environment, preferably in a supervisory or leadership role. Domain Experience: Should have managed AML Process for a minimum of 3 years and should have experience in Finance Transaction, settlement & Reconciliation, Credit offline & Customer service Investigator Leadership Skills: Proven leadership skills, with experience in managing teams and motivating staff. Customer Service: Excellent customer service skills, with experience in resolving customer complaints and issues. Operational Knowledge: Strong knowledge of banking operations, including transactions, cash handling, and risk management. Regulatory Compliance: Familiarity with banking regulations and policies, ensuring compliance and risk management. Communication Skills: Excellent communication and interpersonal skills, with ability to interact with customers, staff, and management.

End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical Legal functions pertaining to the branch with regard to timely receipt of Legal Technical reports from vendors maintaining quality of the reports as well. Own resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. Skills and Exposure A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. Special Requirements (If any) Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

Job Description A Job Specification 1 Company Name : Muthoot Fincorp Limited 2 Position / Designation : Branch Credit Manager Secured & Unsecured Lending Business 3 Grade : 4 Employment Type : All Employment Type 5 Reporting to Designation & Grade : State Credit Manager Secured & Unsecured Lending Business 6 No. of Reportees, Designation & Grade : Credit Operations 7 Main Tasks & Areas of Responsibility : End to End Managing of Credit Shop at the Branches assigned Proactively respond to the business requirements & challenges and support Branch Business Team to acquire Quality Portfolio To ensure FIRST TIME RIGHT of Logins at the branches, and Disbursement dockets submitted to Central Operations. Monitor Technical & Legal functions pertaining to the branch with regard to timely receipt of Legal & Technical reports from vendors maintaining quality of the reports as well. Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio. To understand the competition policies regarding Micro LAP and Affordable Housing, suggest improvements in our current policies & products. To liaison with Business, Subject Matter Experts at different levels to clear customers loan proposals for faster decisioning. To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer. To Retain existing live loan customers. To effectively liaison with law authorities for resolving conflicts if any. To Build a Quality and Profitable Loan Portfolio. 8 Skills and Exposure : A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork. Proven ability to Work under Pressure with regard to TAT Adherence to laid down credit policies and suggest improvements if any. Atleast 5 years experience in underwriting role, with atleast 3 years Mortgages & Affordable Housing experience with exposure to Loan Origination software like Finnone, risk tools like Perfios, Hunter, Karza. Strong understanding of appraising proposals from Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure. Excellent interpersonal and verbal communication skills Ability to Work & Deliver business targets under pressure Working knowledge of Collections/ Recoveries. Be Accountable for Portfolio Quality of the Location. 9 Special Requirements (If any) : Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable. 10 Job Location / State : Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 11 Compensation Band : As per policy 12 Entitlements : As per policy 13 Stake Holders : Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams B 15 Educational Qualification / Technical Certification : Any UG/PG or MBA 16 Skill Sets : Experience in Home Loans / Mortgages, with team handling skill sets. 17 Communication Skills : Good oral, written and presentation skills 18 Experience : 5+ years of overall experience 19 Behavioral Competencies : Uncompromising ethical standards and discipline expected 20 Other Requirements (If any) : -

Meeting & exceeding business goals/targets in different products ie. Loans & Insurance bundled/Non-Bundled through Lead fulfilment & Field Activity on existing Data Base Manage, control & own all channels businesses. Recruit, retain, manage & build a productive team of Off Roll employees Maintain delinquency on the portfolio, in line with the Product Segment. Take Care of customer Escalations and Complaint Monitor & measure key conversion, productivity & data penetration metrics Learning and Understanding of CRM & lending system - Salesforce.com & Finnone is must. Effectively engage with Credit, Operations & Risk teams. Hygiene Management - This form the crucial part of car refinance business - effective monitoring and PDD Collection. Tracking cases at every stage to have better control. Required Qualifications and Experience Graduates with relevant experience of 2-3 prior work experience of Direct or Channel sales in loans. Experience in Insurance will be an added advantage Ensure to update status within 24 hrs of lead received. Ability to Recruit FOS through different channels. Maintain a pickup percentage as per the metric. Maintain FOS productivity as the metric. Excellent Team Handling and problem resolving ability. Good hands on experience and knowhow for working on Data Management and MS Office. A good team leader to handle the team and achieve the set target. Exceptionally high motivational levels and needs to be a self-starter.

Position - Area Credit Manager - UCV Finance - Motor Finance - Credit - Prestige Libra - JM Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions.Top of Form Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA / ICWA / CS / M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/ Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Ability to work under pressure Should have problem Solving Skill.

Key Objective of the Job: To ensure the effective management and supervision of credit operations across branches, including conducting due diligence on funding proposals, implementing credit policies, maintaining portfolio quality, providing training, managing a team, and staying updated on market trends to inform underwriting decisions. Additionally, the role involves regular audits, addressing audit queries, and fostering coordination with other financial institutions. Key Deliverables: Timely due diligence of the funding proposals of the branches Ensuring the Credit policy implementations Managing and supervising FI agency/ valuation agency operations Ensuring quality portfolio of the branches within the set parameters Conducting training for FI/Channels and cross verticals at regular intervals Visiting Channels/ Branches and customers at regular intervals Handling a team of Credit Managers and associates Providing market feedback through fieldd visits and networking with Credit counterparts of competition Providing inputs for localized schemes based on market dynamics and delinquency studies Audit of files and Process and taking corrective measures Complying to audit Queries Keep track on performance of self and drive the team to enable positive results on KPIs Communicate & Maintain co-ordination with other financers to stay updated on financing traits, market understanding, customer feedback, new schemes launch which helps in underwriting Education Qualification: MBA/CA/ICWA/CS/M.com/B.com (Hons) Specialized job competencies: Functional Competencies Credit Analysis Analytical & Accuracy Skill Understanding of Lending Procedures Credit Risk Assessment Behavioral Competencies Execution Excellence Customer Centricity Fostering Synerygy People Leadership Strategic Orientation Hiring Parameters: Should have Direct or CFT experience in Credit/Operations/Sales/Collections Should have knowledge of local market Good Communication & Negotiation Skill will be added advantage Should have problem Solving Skill

Role & responsibilities Make needed changes within account records related to the receipt of bankruptcy notices, validation of debt requests, death certificates, debt consolidation requests, and military orders. Negotiate debt consolidation settlement agreements as outlined by guidelines and procedures. Accurately posts payments received from bank lockbox to system of record and ensures each payment batch is balanced daily Handle the clerical functions of processing debit card chargebacks. Must multi-task, including researching information through multiple systems, to make judgment decisions based on the data reviewed. Relentlessly ask questions of the tools used and accounts serviced to uncover anomalies and risks to the business and provide user and feedback to various teams across the company. Complete back-end exception tasks as requested by front-line agents Follow and apply Standard Operating Procedures (SOPs) appropriately. Perform other duties or tasks as assigned. Preferred candidate profile Communication: Communicates clearly, in both verbal and written form. Ethics and Responsibility: Acts with dignity and respect, connecting with both internal and external partners. Gains confidence and trust of others through principled behavior. Flexibility/Adaptability: Demonstrates a strong sense of urgency and is able to work in a fast-paced, ever-changing environment with a strong focus on risk mitigation and customer experience. Ability to work extended hours/weekends as needed. Ownership: Achieves successful results by focusing on performance that enhances the customer experience and applies a sense of urgency in the effort to create value for the company. Is proactive in identifying opportunities for improvement in process, policies and customer service solutions. Teamwork: Builds effective working relationships and collaborates as a team player, using positive flow of communication when voicing concerns. Proficient in Microsoft Office Products (Outlook, Excel, Word)