1750 Disbursement Jobs - Page 9

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Dairy Relationship Manger The applicant would be responsible for formulating strategies to source and grow the Corporate customers / business for the bank related to Food processing/ Agri segment in designated area. The role holder will oversee acquisition of customers including product offerings, pricing, channel strategy and marketing strategy for the given business. The incumbent will work closely with the branch channel and other channels/associates in the field to acquire new business. He will be responsible for overall business management from acquisition till disbursement and then servicing the customers and deepening the relationship.

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Visit on the Truck Loan Leads shared by central team Convert the leads by visiting customer location and explaining the Finance plans Achieving monthly visit targets by visiting customer location on time Achieving monthly loan disbursement and conversion targets Timely follow ups with customers and fulfilling their requirement Maintaining customer NPS score Providing customers with world class experience on CV Finance

Role & responsibilities Candidate should have experience of Operation management preferably from Banking or Housing Finance Industry. Having Knowledge of Loan Life Cycle management Process knowledge of Securitization & Co-lending Loan Foreclosure, Part Payment, Re-pricing, Loan Restructuring, Loan Reschedulement Should have good understanding of accounting entries. Knowledge of reconciliation & Audit Support various stakeholders on regulatory audit request Knowledge of system enhancement of Loan management system, BRD preparation & UAT for related role Experience in Team Management Excellent verbal and written communication skills. He should be able to drive the team of operation related activity. Working knowledge of Power Bi, SQL and other data analytics tools will be an added advantage. Preferred candidate profile Education- MBA Finance Work Experience- 8-10 years Industry- Banking/Housing Finance Industry Computer Proficiency- Microsoft Office

Primary Responsibilities: Business Financials Meet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balance Actively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customerRefer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customersResolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal Process Identify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement process Conduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactions Open savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning Innovation Maintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Abohar,Agra,Ajmer,Aligarh,Prayagraj,Alwar,Ambala,Amritsar,Badnagar,Baghpat,Bamanwas,Baran,Barara,Bareilly,Bari,Barnala,Barwani,Basti,Beawar,Bharatpur,Bathinda,Bhilwara,Bhiwani,Bijnor,Bilaspur,Bulandshahr,Bundi,Chandigarh,Chaurah,Dausa,Dehradun,Deoli,Deoria,Dhamnod,Durg,Ellenabad,Faridabad,Fatehabad,Fazilka,Firozpur,Firozabad,Ganganagar,Ghaziabad,Gidderbaha,Goniana,Gorakhpur,Gurugram,Gwalior,Haldwani,Hanumangarh,Hapur,Hardoi,Haridwar,Hathras,Hisar,Indira,Indore,Jaipur,Jalandhar,Jabalpur,Jaunpur,Jhajjar,Jhalawar,Jind,Jodhpur,Kaithal,Kanpur,Kapurthala,Karnal,Kekri,Khargone,Khera,Khurja,Kidwai,Kishangarh,Kota,Kotli,Kotputli,Kurukshetra,Lucknow,Ludhiana,Madhwapur,Maharajganj,Malout,Mandasa,Mathura,Meerut,Modinagar,Moradabad,Muktsar,Nagda,Naraingarh,Narnaul,Narwana,Neem,New Delhi,Noida,Palin,Palwal,Panchkula,Panipat,Patiala,Pithampur,Raebareli,Raipura,Rajnandgaon,Rewari,Rohtak,Roorkee,Rupnagar,Rudrapur,Saharanpur,Samalkota,Samrala,Sanawad,Sandila,Sangamner,Sangrur,Sarsawa,Sawali,Sameli,Shikohabad,Shyampur,Sikandrabad,Sikar,Sirsa,Sohna,Sonipat,Sultanpur,Suratgarh,Thana,Tikari,Tonk,Udaipura,Ujjain,Varanasi,Vikas,Yamuna

Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customer Refer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customers Resolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family Banking Group Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTs Individual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement process Conduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactionsOpen savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issues Learning InnovationMaintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Gamharia,Agartala,Alipurduar,Angul,Arambag,Araria,Arrah,Arwal,Asansol,Aurangabad,Bagnan,Bagodar,Balurghat,Badvel,Bandra,Banka,Bankura,Barasat,Barauni,Bargarh,Barrackpur,Basirhat,Basudebpur,Begusarai,Belur,Berhampore,Bhabanipur,Bhagalpur,Bhagwanpur,Bhubaneswar,Birbhum,Bishalgarh,Biswanathpur,Bolpur,Bardhaman,Buxar,Chakdah,Chanchal,Chapra,Chariali,Chas,Choudwar,Chowk,Contai,Cooch Behar,Darbhanga,Deoghar,Dhaka,Dhanbad,Dhaniakhali,Dharmanagar,Dhupguri,Dogachia,Domjur,Durgapur,Egra,Ekangarsarai,Forbesganj,Garbeta,Garhwa,Gaya,Ghatshila,Giridih,Golaghat,Gobindpur,Guwahati,Habra,Hajipur,Hajo,Hasanpura,Hazaribag,Hooghly,Howrah,Jagatsinghapur,Jalpaiguri,Jamshedpur,Jamui,Jainagar,Jehanabad,Jhanjharpur,Jhargram,Jharia,Jharsuguda,Jorhat,Kalyanpur,Kamrup,Kanchrapara,Karma,Kasba,Khagaria,Kharagpur,Korha,Kolkata,Kulti,Kumarghat,Lakhisarai,Lalpur,Madhubani,Mathura,Malda,Maner,Medinipur,Memari,Midnapore,Motihari,Murshidabad,Muzaffarpur,Nabinagar,Nadia,Nagaon,Nagar,Nalbari,Nayagarh,Panagarh,Panskura,Parganas,Paschim,Patapur,Pathsala,Patna,Purba Champaran,Puri,Purnia,Purulia,Rae,Raha,Raiganj,Rajgir,Rajpur,Ranchi,Raniganj,Ratu,Rourkela,Saguna,Saharsa,Sahebganj,Sakchi,Samastipur,Sambalpur,Sasaram,Shiv,Sikandra,Siliguri,Sitamarhi,Siwan,Sonapur,Sonitpur,Sultanganj,Sundargarh,Sutahata,Tajpur,Takipur,Tamluk,Teghra,Teliamura,Tezpur,Thakurpukur Mahestola,Udaipura,Uluberia

ROLE PURPOSE & OBJECTIVE Underwrite Micro Mortgage in both SFB and URC branches Sanction or recommend loans up to Rs. 10 Lakh with proper justification based on the product features and credit policy matrix Ensure credit policies and processes of secured products of Micro / Rural banking vertical are followed effectively by branch staff Coordinate with legal and technical vendors for their expert opinion reports Ensure Legal opinion and technical valuation reports are interpreted properly while sanctioning these secured loans Interpretation of Property documents (Residential/commercial property), aware of the property value as per market and government value for LTV Conduct the risk assessment of the customer as per the defined scoring matrix for the products Visit the customer residence place and business / activity place to assess the financial parameters SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE 15 Cr asset portfolio at a cluster level to be managed Manage monthly disbursement of 1.25 Cr 25 Credit files processed in a month for a cluster Underwriting and approving proposals based on credit parameters and eligibility criteria Co-ordinate with business team for smooth flow of business and quick decision making. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower Underwrite IL loans in SFB and URC branches to understand the geography and segment Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan Assess repayment capacity, character and cash flow of the applicant. Conduct reference checks with customers /suppliers / vendors / dealers. Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc. Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge. Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Capture proper reasons of rejections and communicate the same to branch team in case of rejections Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Review/renew the accounts before expiry of the limit through coordinating with Distribution team Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc. Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Ensure to participate and drive the successful implementation of technology based projects at backend and field Engage in collections for recovery, follow up for Incremental overdues and non-starters Ensures success and growth of these products by adhering to defined policy and process for loan approval Customer Ensures customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Co-ordinate with Legal and technical vendors for quick response on the property documents Coordinate with FCU team or agency for their reports Ensure customers documents are kept safe till they are handed over to concerned authority Coordinate with Operations for loan booking, safe keeping of the customer document etc. Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Ensure credit policies and processes are followed effectively by sourcing staffs Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion Ensure completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Keep updated about the regulatory norms for secured products Keep updated about the property document related policies and processes New products being introduced and new systems being adopted to be learnt quickly and to be adopted Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action Imparting training to branch team on Micro Mortgage products credit policies, processes and systems, conduct regular trainings on changes / refreshers. Ensuring visits in branches of other clusters to ensure understanding and learning through experience

Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customer Refer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customers Resolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms Coordinate with customers in the disbursement processConduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactions Open savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning Innovation Maintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Abohar,Agra,Ajmer,Aligarh,Alwar,Ambala,Amritsar,Badnagar,Baran,Barara,Bareilly,Barnala,Barwani,Bharatpur,Bathinda,Bhilwara,Bhiwani,Bilaspur,Bulandshahr,Bundi,Chandigarh,Chaurah,Dausa,Dehradun,Deoli,Dhamnod,Dhar,Durg,Ellenabad,Faridabad,Fatehabad,Fazilka,Firozpur,Firozabad,Ganganagar,Ghaziabad,Gidderbaha,Goniana,Gurugram,Gwalior,Haldwani,Hanumangarh,Hapur,Haridwar,Hathras,Hisar,Indore,Jaipur,Jalandhar,Jhajjar,Jhalawar,Jind,Jodhpur,Kaithal,Kapurthala,Karnal,Kekri,Khandwa,Khargone,Khera,Khurja,Kishangarh,Kota,Kotli,Kotputli,Kurukshetra,Ludhiana,Madhwapur,Mandasa,Mathura,Meerut,Modinagar,Moradabad,Muktsar,Nagar,Nagda,Naraingarh,Narnaul,Narwana,Neem,New Delhi,Palin,Palwal,Panchkula,Panipat,Patiala,Pithampur,Raipura,Rajnandgaon,Rewari,Rohtak,Roorkee,Rupnagar,Rudrapur,Saharanpur,Samalkota,Samrala,Sanawad,Sangamner,Sangrur,Sawali,Shikohabad,Sikandrabad,Sikar,Sirsa,Sohna,Sonipat,Suratgarh,Thana,Tonk,Udaipura,Ujjain,Vikas,Yamuna

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 4 years of experience in the field. Roles and Responsibility Manage and process credit applications, including housing loan and affordable housing. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with internal teams to ensure seamless credit processing and disbursement. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to optimize credit quality. Stay updated with industry trends and regulatory changes to ensure compliance and best practices in credit management. Job Requirements Strong knowledge of credit principles, practices, and regulations, particularly in housing loan and affordable housing. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Effective communication and interpersonal skills, enabling strong relationship building with clients and internal stakeholders. Ability to work in a fast-paced environment, prioritizing tasks and managing multiple responsibilities. Proficiency in credit software and systems, with the ability to learn new technologies and adapt to changing systems. Strong attention to detail, ensuring accuracy and quality in all aspects of credit processing and disbursement.

Assistant Branch Manager is responsible for assisting the Branch manager on daily operations of a branch. ABM is responsible for managing a team of Customer Service Managers, Conduct GRTs, field monitoring, ensuring loan disbursements are made in accordance with policies and procedures, maintaining accurate records, repayment on time and promoting the organizations program to potential clients. Direct all operational aspects including customer service, human resources, administration and other products. Insurance - Best in the Industry

ROLE PURPOSE & OBJECTIVE Loan Officer- Secured LOANS Managing secured loans of assigned URC/SFB branch Planning and organizing micro marketing activities for leads and business Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Customer Base 70 Customers Approximately Portfolio size approx. 5 Crs Customer relationship building Collections Lead generation Marketing activities KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business: Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product Cross-sell of liability products and third-party products Formation of Farmers Clubs one per branch/leveraging existing clubs, making use of the same for banks business Work with team in harnessing the potential of the area and achieving the set targets Customer: Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis Developing and maintaining rapport with key persons / opinion makers of the village Work closely with Credit and Ops to ensure timely sanctions and DB Customer Internal process: Completing mortgages on time/collection of Post disbursement documents Ensuring the collection efficiency and containing PAR and IOD within threshold levels Learning & performance: Keep self-updated on the latest product, process and regulatory guidelines. Ensure completion of all nominated trainings for self. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate, preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBA in Rural Management will be an added advantage Experience (Years and Core Experience Type) Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input company Certifications NA Functional Skills Rich knowledge of rural markets, marketing activities and products suitable for rural / semi-urban markets (Rural urban corridors), team management, stake holder coordination and focus on P&L of overall business, fee income Should have managed a larger team/ geography. Behavioral Skills Positive approach towards rural customers, rapport with Govt. Agencies, go getter, pro-active, motivating in bringing the best of team, mentor in setting examples, good trainer. Competencies NA KEY INTERACTIONS INTERNAL EXTERNAL Branch Team Lead Banks Operations Team BLBC (Block Level Bankers Committee) Service Quality Village Panchayats/Sarpanch PREPARED BY: Alok Sharma DATE: 20-02-2024 REVIEWED BY: Murali Chari DATE: 21-02-2024

Designation: Customer Relationship Officer (UB-RB-SB-CRO), Customer Relationship Officer (UB-RB-EB-CRO), Customer Relationship Officer (UB-RB-NB-CRO), Customer Relationship Officer (UB-RB-WB-CRO), Customer Relationship Officer (UB-MB-EB-CRO), Customer Relationship Officer (UB-MB-WB-CRO), Customer Relationship Officer (UB-MB-NB-CRO) Office Location: Jalgaon , Vadodara , Solapur , Ahmednagar , West 4402-Vishrantwadi, West 4403-Swargate, West 4404-Hadapsar, West 4406-Akurdi, West 4408-DP Road, West 4409-Nashik Road, West 4410-Cidco, West 4411-Koparkhairne West 4412-ThaneWest 4413-ChemburWest 4414-Govandi MankhurdWest 4415-KondhwaWest 4416-KalyanWest 4419-AmbarnathWest 4420-DombivliWest 4422-LBS RoadWest 4423-Nashik CentralWest 4427-ChakalaWest 4428-UdhanaWest 4430-Parvat GamWest 4431-KapodraWest 4432-KharadiWest 4433-GoregaonWest 4435-BorivaliWest 4436-SionWest 4438-SantacruzWest 4441-NavsariWest 4442-Harni RoadWest 4443-Makarpura RoadWest 4447-AkotaWest 4448-AnkaleshwarWest 4449-BharuchWest 4450-AhmednagarWest 4452-SataraWest 4453-KaradWest 4454-GarkhedaWest 4455-Samarth NagarWest 4456-BhiwandiWest 4457-VapiWest 4458-SolapurWest 4460-SangliWest 4462-KamotheWest 4463-NadiadWest 4464-KolhapurWest 4465-Nava VadajWest 4467-Naroda PatiyaWest 4468-CTMWest 4470-IchalkaranjiWest 4472-BardoliWest 4473-ValsadWest 4474-JalgaonWest 4475-BhusawalWest 4479-MehsanaWest 4480-HimmatnagarWest 4482-Mavdi ChowkWest 4483-Shastri MaidanWest 4490-RajpiplaWest 4491-VyaraWest 4493-LaturWest 4495-Byramji TownWest 4496-C A RoadWest 4498-BhavnagarWest 4499-BotadWest 4505-VirarWest 4507-KaniyelWest 4510-KhadanaWest 4511-GodthalWest 4513-BadodaraWest 4514-ParsanatajWest 4515-AnandWest 4516-JamnagarWest 4517-GodharaWest 4518-Prahalad NagarWest 4519-DahodWest 4520-MorbiWest 4523-NandedWest 4524-ModasaWest 4526-ChandrapurWest 4527-HalolWest 4530-TransadWest 4531-AmbavWest 4532-BorolWest 4534-GhatkoparWest 4538-JalnaWest 4539-GandhidhamWest 4540-PusadWest 4541-BodeliWest 4542-VadaliWest 4544-JasdanWest 4549-Fulchurnaka/Awantibai ChowkWest 4550-LunawadaWest 4558-Narol Circle /Hathijan CircleWest 4506-KahanwadiWest 4529-KharivavdiWest 4504-MalvanWest 4512-BhaladaWest 4407-PimpriWest 4509-NavakhalWest 4502-Bhoj Position description: Customer Relationship Officer Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customerRefer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customersResolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement processConduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactionsOpen savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning InnovationMaintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Ahmedabad,Ahmednagar,Akurdi,Ambarnath,Ambejogai,Anand,Anklav,Aurangabad,Bardoli,Vadodara,Beed,Bharuch,Bhavnagar,Bhiwani,Bhusawal,Bodeli,Borivali,Botad,Chandrapur,Chembur,Chikhli,Chowk,Dahod,Dholka,Dombivli,Gandhidham,Ghatkopar,Gondiya,Goregaon,Govandi,Halol,Himatnagar,Hyderabad,Ichalkaranji,Jalgaon,Jalna,Jamnagar,Jasdan,Karad,Kheda,Kolhapur,Latur,Lunawada,Malwan,Mehsana,Modasa,Morbi,Mumbai,Nadiad,Nagpur,Nanded,Naroda,Nashik,Navsari,Panvel,Patan,Petlad,Pimpri,Pune,Pusad,Rajkot,Rajpipla,Sangli,Santacruz,Satara,Sion,Solapur,Surat,Thane,Vadali,Valsad,Vapi,Virar,Vyara

ROLE PURPOSE & OBJECTIVE Lead Generation Conduct regular marketing and sales activities to generate leads from the identified markets Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Shall be expected to manage a portfolio of Rs.5 Cr. Progressively Managing a single product across the branch catchment area Managing a customer base of 100 customers progressively KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce or relevant subjects Experience(Years and Core Experience Type) 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales Certifications Relevant certifications shall be an added advantage Functional Skills Knowledge of Secured loans/ Mortgage Loans Sales and marketing skills retail financial products Communication Skills - fluent in the local language & can read-write basic English Equipped enough to read and understand the legal papers Behavioral Skills Sound Product knowledge Willingness to travel across the branches and catchment to expand the business Managing customer relations Performance oriented Competencies Good Computer Knowledge KEY INTERACTIONS INTERNAL EXTERNAL Branch Managers Regional Operations, Credit IL Loan Officers, CROs Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts Location: Ambasamudram,Ambur,Anupshahr,Arcot,Aruppukkottai,Attur,Bodinayakanur,Coimbatore,Cuddalore,Cumbum,Dharapuram,Dharmapuri,Dindigul,Erode,Gobichettipalayam,Hosur,Kanchipuram,Kovilpatti,Krishnagiri,Kumbakonam,Madurai,Mannargudi,Mayiladuthurai,Nagapattinam,Nagercoil,Namakkal,Panruti,Paramathi-Velur,Pattukkottai,Periyakulam,Puducherry,Rajapalayam,Rasipuram,Salem,Sankarankoil,Sathyamangalam,Sivakasi,Thanjavur,Theni,Thiruvaiyaru,Tiruvannamalai,Thiruvarur,Tirunelveli,Tirupathur,Tiruppur,Vellore,Virudhachalam

ROLE PURPOSE & OBJECTIVE This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr. Support IL business of 3-4 Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower. Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below Individual loans Business, Home improvement, Higher Education loans KCC, agriculture and livestock loans Maintains success and growth of these products by adhering to defined policy and process for loan approval. Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers. Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers /suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant. Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc. Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Maintain daily productivity with respect to personal discussions, quality check of applications, sample visits and checks etc as per the set KRA. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Monitoring rejections from field, guide the branch staff to control the same and maintain higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Maintain to participate and drive the successful implementation of technology based projects at backend and field Plan and address issues across Poor, High Risk and Critical branches and maintain good risk management at the branches Maintains PAR and provision are maintained within the budget. Engage in collections for recovery, follow up for Incremental overdues and non-starters Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 months of booking. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Report / escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues. Maintain to participate and drive the successful implementation of product and technology based projects at field Maintains PAR and Provision are maintained within the acceptable limit/budget. Maintains customer satisfaction by processing of loan applications within the TAT defined Maintain adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geography Quickly learn of new products and systems being introduced and implement in the field. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector or occupation study and survey of branch working areas. Customer Maintains customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Maintain that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Maintain adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Maintain that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Upgrade self and branch team about changes happening in the market New products being introduced and new systems being adopted to be learnt quickly and to be adopted. Keep updated with SLBC / DLC meetings & annual reports for information on investment on different types of crops for KCC / Agri limits. Keep abreast with ongoing farming operations in the field & market. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Maintain necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action. Ensuring visits in branches of other clusters to maintain understanding and learning through experience. Location: Arcot,Bengaluru,Belgaum,Bodinayakanur,Chennai,Cherthala,Chikkaballapura,Chikodi,Chitradurga,Coimbatore,Coonoor,Cumbum,Dharmapuri,Dindigul,Erode,Gobichettipalayam,Gudalur,Hosakote,Kannur,Koppal,Magadi,Mannargudi,Mayiladuthurai,Mysuru,Nagercoil,Namakkal,Nelamangala,Ottappalam,Puttur,Ramanujnagar,Rajanagaram,Rasipuram,Salem,Sankarankoil,Sathyamangalam,Sira,Thanjavur,Thiruvaiyaru,Thiruvarur,Thrissur,Tiptur,Tiruppur,Tumkur,Udumalaipettai,Virudhachalam

Primary Responsibilities: Credit Management Policy ProcessesMaintains Credit policy and process adherence in the Branch Coordinate with Legal Technical AgenciesUnderwriting Carry out detailed business analysis and recommend a proposal to the delegated authority Visit each case within prescribed TAT Prepare CAM and Financial Analysis for the caseVisit neighbours suppliers customers for the reference checksVisit property and conduct due diligence in identifying the property Location: Akurdi,Borivali,Chowk,Morbi,Pimpri, Ahmedabad,Ambarnath,Anand,Aurangabad,Vadodara,Bhavnagar,Bhiwani,Bhusawal,Chandrapur,Dombivli,Gandhidham,Gondiya,Himatnagar,Hyderabad,Jalgaon,Jalna,Jamnagar,Kolhapur,Latur,Mehsana,Mumbai,Nadiad,Nagar,Nagpur,Nanded,Nashik,Panvel,Pune,Rajkot,Sangli,Shirpur,Solapur,Surat,Thane,Valsad,Vapi,Virar

Position description: Customer Relationship Officer Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customerRefer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customersResolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement processConduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactionsOpen savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning InnovationMaintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines

ROLEPURPOSE & OBJECTIVE Driveacquisition of new Unsecured loans customers from open market Identifyquality leads from unsecured loans & liabilities customersthrough assessments by analyzing credit histories and performingfinancial analysis, ensuring compliance with internal andexternal regulations Monitorand manage installment payments and collections of assignedcustomers Strengthenexisting customer relationships through targeted cross-sellingUjjivans products customer profile & needs KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business/Financials Developand execute strategies to acquire new unsecured loan customers Collaboratewith the liabilities team to cross-sell unsecured loans Followup on leads provided by team various channels within defined TAT Achievemonthly loan disbursement targets through acquisition of newcustomers and conversion of existing customers Coordinatewith Products & Marketing department to carry out marketingdrives at his/her assigned and catchment areas for unsecuredloans Prospectnew customers, maintain database of the leads, meet & convertselect prospects and manage the relationship thereafter Attendcenter meetings to generate leads for Unsecured loans andactively driving conversion of existing borrowing customers intoSBL customer Crosssell other products of Ujjivan and pass quality leads torespective officers/staff Sharecustomer insights/product related feedback with the Branch Headand Area Manager Microfinance Provideinputs pertaining to revision of product and credit policies tothe respective teams on the basis of geography specificconsiderations Customer Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services and establishprofessional relationship with them, with a long-term perspective Conductthe appraisal process of potential customers in a courteousmanner without compromising quality Guaranteeconfidential treatment of all the information gathered fromcustomers InternalProcess Carryout the pre and post-loan activities related to Unsecured loans,perform simple financial analysis, present the loan applicationsto the sanctioning authority by adhering to the set TAT &prioritize repayment of loans to maintain best portfolio quality Visitthe customers business and residential place to conductthorough assessment/evaluation, following standard operationprocedures. Analyze and evaluate loan applications to determinethe situation of business, establish risks, determine thecapacity of repayment and adequate loan amount for the customersneeds and also evaluate the family situation and stability Cooperatewith credit department in case of identifying discrepancies orproblems in customers information, reports, etc. Coordinatewith Liabilities team if applicable, to ensure bank accounts areopened/activated to disburse loan amount and necessary standinginstructions to repay monthly disbursements and provide savingstool to customers Performloan utilization check and follow up on disbursed loans,especially of the ones not paying on time Incase of arrears, visits customers for loan recovery andcoordinate with collections officer to update the statusperiodically Learning& Innovation Maintainup to date knowledge of Unsecured loans as well as a workingknowledge of other products offered in branch InformBranch Head about demand in the assigned area as well as oncompetition on a regular basis Ensureadherence to training man-days/ mandatory training programs forself Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines Qualifications Graduate,preferably in commerce and related streams Experience Preferred experience of 2-4 years in banking, asset products sales orcollection FunctionalSkills Knowledge of Banking sector Knowledge on individual lending - Secured loans/asset products andthird-party products Basic Computer knowledge (MS Office, Outlook) / Ease of technologyusage Sales and marketing skills across multiple products KYC norms/guidelines for secured loans Experience in Credit Assessment/Appraisal Communication Skills - fluent in the local language & English Behavioral Skills Multiple products selling skills Time management Customer relations management Achievement/performance oriented Possesses good interpersonal skills Documentation skills Willingness to travel & relocation as per business requirements andcareer opportunities Location - Bengaluru,Chamarajanagar,Chikkaballapura,Hebbal,Kanakapura,Kollegal,Kothamangalam,Mysuru,Pandavapura,Shrirangapattana

ROLEPURPOSE & OBJECTIVE Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines. Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers. Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures. ProvideMarket intelligence from a competition and customer stand point Recommendationson new processes & fraud Control initiative etc ManageCredit Officers team NON-FINANCIALSIZE Manageentire Area underwriting teams Handlingportfolio from 50 Cr to 200 Cr Supervisingthe monthly disbursement of 60-150 files from the assigned area EfficientTAT management by credit team Ensureto strengthen area credit team to include more responsibilities Tomanage direct and indirect team of close to 4-10 people. Involvein process reengineering, Audits, Policy change discussions etc. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business EnsureCredit policy and process adherence in the Cluster. Co-ordinatewith Legal & Technical Agencies. Guide/MonitorCredit Officers of the cluster. Ensuretimely training to branches in the cluster. SuggestPolicy revisions in line with changing market conditions. Customer Expertknowledge of customer segments in various markets of India andtheir performance histories. Expertknowledge of negative profiles, negative property types andnegative property locations Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage Knowledgeof property valuation process through vendors and knowledge &keen interestin monitoring current property price / historical propertyprices. Meetappropriate customers for understanding of their needs Conductunderwriting for cases under purview Pickup EWS for the set of clients in his area Maintainportfolio quality of the Cluster as per company norms. Monitoringand tracking of HL Loan cases. Maintainvarious standard MIS for HL Loan. Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies. InternalProcess AppropriateIntervention to manage ground level risk effectively. Ensureadherence to RBI regulations on documentation and KYC compliance. LUCand periodic loan monitoring framework ProvideAudit Compliance. Timelyhiring of Credit Officer for the Cluster as per the budget Learning& Performance Maintainup to date knowledge of HL and other related products. Upgradeself and team about changes happening in the market. Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives Ensureon time appraisal and suggest suitable career paths for staff Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Qualifications Graduateor Post graduate (preferred MBA) from a reputed college. Experience(Yearsand Core Experience Type) Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products. Teamhandling is a must. FunctionalSkills Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts BusinessAnalysis Skills CommunicationSkills. BehavioralSkills TeamManagement Skills Leadership Possessesgood interpersonal skills. Location - Bengaluru,Kalburagi,Hyderabad,Tambaram,Vijayawada

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1 to 6 years of experience in the field. Roles and Responsibility Manage and process credit applications, including housing loan and affordable housing. Conduct thorough credit assessments and risk analyses to determine client creditworthiness. Develop and maintain relationships with clients to understand their financial needs and provide tailored solutions. Collaborate with internal teams to ensure seamless credit processing and disbursement. Monitor and report on credit portfolio performance, identifying areas for improvement and implementing strategies to optimize credit quality. Stay updated with industry trends and regulatory changes to ensure compliance and best practices in credit management. Job Requirements Strong knowledge of credit principles, practices, and regulations, particularly in housing loan and affordable housing. Excellent analytical and problem-solving skills, with the ability to interpret complex data and make informed decisions. Effective communication and interpersonal skills, enabling strong relationship building with clients and internal stakeholders. Ability to work in a fast-paced environment, prioritizing tasks and managing multiple responsibilities. Proficiency in credit software and systems, with the ability to learn new technologies and adapt to changing systems. Strong attention to detail, ensuring accuracy and quality in all aspects of credit processing and disbursement.

Location: Dholka,Kheda,Malwan,Patan,Petlad,Vadali,Vadodara,Valsad Position description: Customer Relationship Officer Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customerRefer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customersResolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement processConduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactionsOpen savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning InnovationMaintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Role- Relationship Manager : Job Profile : Candidate should be Self-motivated with High energy Level, Fast and Positive learning attitude and strong team player. Should have excellent communication skill, including Hindi and Local language along with English. Should have the good inter personal skills and polite attitude to handle customers. Should have excellent people Management skills so that he can coordinate between different department / Branches / customers well. Must be Techno Savvy and should be well versed with latest computer skills. Should work with Mantra of Speed, Scale and Skill. Able to source Working capital Loan facilities to Agri Related Industries and Food Processing and Agro Processing Industries and Other Manufacturing Industry in MSME Segment and responsible for overall Quality Business along with size of business. Must have basic knowledge of working capital finance along with understanding of reading balance sheet and P & L. Candidate also having good knowledge about properties / legal will have edge over others since it is a Mortgage Business and loans are secured by properties. Candidate with Knowledge of local area, strong networking and negotiation skill will have edge over others. Sourcing of New Customers and ensure month on month disbursement having ticket size from Rs. 2 crore to Rs. 25 crore. Each RM is expected to do minimum 3 New Cases per month. He is expected to meet and appoint New CAs / Financial Consultants, DMAs, Kotak Bank Branch and source business on daily basis, he has to meet at-leats 2 New Leads every working day. Candidate should have excellent follow-up Management skills. Ensure that Customer requirements and complaints are serviced at the local level with speed and quality. Collaborate with trade finance ,CMS, operation, treasury , legal and branch banking team for seamless customer service Closely work with credit team for managing client expectation and effective risk management Candidate should be willing to run extensively for sourcing the business as the profile is 80% of Filed Job and 20% of Office job. Must have Own Vehicle with valid driving license. Job Requirements : Post Graduate Diploma / Post Graduate in Banking and Finance / And (Major / Minor) Marketing and Finance will have edge over others Strong oral and written Communication Relationship Management Skill l HDFC BBG RM of grade E2 and E3 are preferable.

Portfolio Manager Department Kotak Mahindra Bank Retails Assets Reporting Relationship Reporting to Location Collections Manager Position Grade M1 M2 Monitoring and maintaining collection for the area. Managing repossession. Co-ordination with collection agency, repossession agent, sale of asset, Legal formalities. Graduate Min 2 5 years of experience in collections. Confident, ability to handle a team of collections, can go to the field when required and also give training to his team when needed

Department Agri Business Group (Agri SME Working Capital Loans) Job Title Relationship Manager - Grade M3 / M4 (Manager / Sr. Manager) Portfolio Management Reporting to Area Sales Manager (ASM) Location Job Profile Job Role Candidate should be self-motivated & strong relationship management skills. Requires decent communication skill, understanding of local language will be an advantage. To manage and grow existing portfolio of customers in Agri, Food processing & MSME Industries by offering loan products in line with customer requirements of W orking capital (fund based/non-fund based) & Term Loan facilities Build a strong & robust customer base to increase both assets and liabilities, earn revenue by providing them high standards of service on an ongoing basis. Deepening relationship with existing customers through Cross sell liability & other third party products. Continuous monitoring of the accounts to ensure business is a per budgets Regular monitoring of accounts to ensure there are no delinquencies, portfolio hygiene, post disbursement deferrals closure in time, security perfection To engage with Credit & risk function, legal & technical teams, RCAD & GR team for customer requirements. CA / Graduate/ Post Graduate Diploma / Post Graduate in Banking and Finance / Fresher CAs and MBAs can also apply People from different industries, such as from Agri Input Industries / Accounting firms / insurance companies / rating agencies / NBFCs / MFI Industries / Branch banking background can also apply. Strong oral and written Communication Relationship Management Skill P Job Role Job Role Job Requirements