Disbursal Account Manager

Disbursal Account Manager I Location Bengaluru Reporting Line Manager About WeRize Founded in 2019 by Vishal Chopra and Himanshu Gupta, WeRize is building Indias largest full stack fintech platform for 500 million underserved middle-class customers who live in 5000+ small towns of India. WeRize (Wortgage technologies pvt ltd) also owns RBI registered NBFC subsidiary (Wortgage Finance pvt ltd) This customer segment is not served by private sector banks, Insurers and Mutual Fund companies due to their low ticket-size and lifetime value and is dependent on PSU/Govt. banks. PSU/Government banks rarely provide financial products beyond basic savings accounts and these customers lack access to unsecured loans, MSME loans, credit cards, affordable housing loans, loan against property, health/life insurance and investment products. WeRize manufactures innovative unsecured consumer credit, mortgages, loan against property, MSME loans, savings and insurance products designed for this customer base keeping in mind their needs, requirements and purchasing power, with a view to add a layer of financial security to their lives and enable access to credit. While customers in these geographies use smartphones, they need proper guidance and support when purchasing the right financial products for themselves. So, a pure digital model doesnt work for this segment. WeRize has innovated on this front through its Finance ki online dukaan (Social Shopify of Finance), a first of its kind social distribution tech platform in the financial services space that educates and enables local financially literate freelancers across these small towns to source business through online and offline channels, recommend the right financial product(s) to customers as well as provide after sales support. These freelancers, who are located in more than 5000+ towns and cities, earn as much as INR 30,000 a month from WeRize in commissions. Our social distribution platform supported by financially literate freelancers means an exceptionally low cost of customer acquisition (CAC) and operations costs compared to both fully digital and on-the-ground financial services providers. Digital conversions among this target group are way lower when compared to upper income customers in metros and hence pure digital CAC doesnt work for this segment. While companies like LIC and Fino Bank also rely on freelancer distribution, they deploy local on-field teams/branches to manage freelancers in every city. That results in very high CAC and operations costs for such companies. WeRize on the other hand, has been able to acquire, train and manage thousands of freelancers in 5000+ cities only through its tech platform and without any feet-on-street team of its own. This results in a highly profitable business model for Werize. To know more about thecompany, please visit: https://www.werize.com/

Role Description: Candidate with Inbound and outbound voice experience in disbursal operations with banking and lending industry. ¢ Explaining and convincing the customers about the benefits and offers related to the financial products like Personal Loans & Insurance. ¢ Understanding the needs of customer and helping the customer to complete the loan process and in collecting required information. ¢ Convincing the customers on submitting financial documents & statements involved procuring Personal Loans in a timely manner. ¢ Ability to make customers understand about various Repayment setup (NACH/E-NACH) methods & guide them on the same. ¢ Convincing the customers on submitting KYC documents & any additional documents as required by Credit/Risk functions. ¢ Pitching & cross selling of Insurance products to customers by explaining the benefits and processes involved in insurance activation.

¢ Verifying all submitted documents and details and guiding the customers throughout the process. ¢ Following up with prospects and engaging them multiple times to fulfill their financial needs ¢ Demonstrate appropriate sense of urgency and adaptability in response to changing business needs. ¢ Ability to maintain composure in critical situations & deliver target-oriented results Key Responsibilities: ¢ 1+ years of work experience in tele sales and relationship manager role with financial service based company. ¢ Strong interpersonal and communication skills with the ability to communicate & convince effectively to a wide range of Customer base. Comfortable with flexible shifts. Ability to converse in multi-language English & Hindi is a must Time management, Decision making ability, professionalism, Negotiation and convincing skills. Focused on Quality & Target driven approach. Fintech Startup experience is an added advantage. Knowledge on Loan Process and Products. Knowledge on insurance products & processes Work closely with finance, product, and operations teams to optimize growth strategies and business outcomes. Identify and address bottlenecks in execution, ensuring seamless collaboration across teams. Lead high-priority problem-solving initiatives and facilitate structured decision making processes.