Looking after credit underwriting of SENP / SEP cases (self-employed & non-professionals.) by having a deep understanding of applicant's financials and business background post visiting customer Appraising loan applications for creditworthiness ensuring adherence to KYC norms, credit bureau assessment and financials maintaining the processing TAT Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in the mortgage industry. Responsible for frequent training, updates on new circulars, credit policy with the sales team.

Role & responsibilities 1. LMS Adoption & Tracking Promote the effective use of the Learning Management System (LMS) across all business units. Monitor LMS usage, course enrollments, and completion metrics. Identify gaps in adoption and develop strategies to enhance user engagement. Manage user queries and coordinate with vendors or IT for system-related enhancements. 2. Training Execution & Completion Assist in the execution of the annual training calendar (classroom, virtual, e-learning). Coordinate with internal and external trainers, business stakeholders, and logistics teams. Ensure timely tracking of attendance, participation, and completion rates across programs. Maintain accurate training records and prepare periodic reports. 3. Course & Content Improvement Evaluate existing training content and recommend updates to improve relevance and effectiveness. Coordinate with Subject Matter Experts (SMEs) and vendors to create or revise training material. Ensure alignment of content with business objectives and compliance requirements. Maintain content libraries on the LMS with version control. 4. Training Impact & Performance Tracking Support the analysis of training effectiveness through pre/post assessments, feedback forms, and performance data. Assist in creating dashboards and MIS reports to measure ROI on learning initiatives. Identify trends and recommend improvements to learning strategies based on impact analysis. 5. Employee Engagement Activities Plan and execute employee engagement initiatives that promote a culture of continuous learning and development. Collaborate with internal teams for campaigns, contests, recognition programs, and L&D events. Facilitate feedback sessions to assess employee interests and satisfaction levels.

Daily: Manage office operations and ensure smooth day-to-day activities Checking of Regional Office upkeep Cabins, Conference rooms, Washrooms and Meeting Rooms Travel to North region for inspection and repairs & maintenance in coordination with Head Office Attend employee queries Admin IT & HR and forward to Head Office resolve issues Monitor office supplies and inventory Manage office correspondence and emails Handling Regional Office Petty Cash Set up and arrangement for meeting rooms, Board rooms frequently Weekly: Verify and validate the printing of Vcards & ID Cards on weekly basis Timely submission of bills and follow up for the Vendor payments through FoxPay Prevention maintenance of all office assets of branches Implement and enforce company policies and procedures Coordinate with other departments on administrative matters Prepare and submit weekly reports to head office Monthly: Electricity Bills MIS Petty Cash Expenses MIS Compliances MIS

Role & responsibilities Ensure compliance with applicable statutory and regulatory requirements. Support in organizing and preparing agendas, board papers, and presentations for Board Meetings, Committee Meetings, and Annual General Meetings (AGMs). Record accurate minutes of meetings, draft board resolutions, and maintain statutory registers and records. Coordinate with external regulators, legal advisors, auditors, and other stakeholders as required. Manage official correspondence, compile and analyze information, and prepare reports to ensure effective communication of decisions to all relevant stakeholders. Contribute to strengthening the companys corporate governance framework and assist in implementing best practices. Assist in the administration and documentation of company share schemes and related compliances. Handle other day-to-day secretarial and compliance-related activities as assigned. Note: Actual responsibilities may vary depending on organizational requirements and regulatory changes. Key Skills & Qualifications: Qualification: Candidate must be a qualified Company Secretary (CS) from the Institute of Company Secretaries of India (ICSI) with active membership. ICSI Membership Number is mandatory. Desirable Qualification: LL.B. will be considered an added advantage. Experience: 2-4 years in corporate secretarial, legal, and compliance functions , preferably in an HFC, NBFC, or financial services company. Male Candidates Preferred

Role & responsibilities Builder & Developer Tie-ups: Identify and onboard builders & developers for APF (Approved Project Finance) tie-ups to generate home loan business. Project Approvals: Work closely with the Credit & Legal teams to get projects pre-approved for faster loan disbursements. Business Development: Strategically increase the builder network to drive loan volumes and maintain a steady inflow of business. Stakeholder Management: Collaborate with internal teams to ensure quick TAT in APF approvals and support sales teams with project-related information. Market Analysis: Stay updated on real estate trends, competitor activities, and project developments to leverage business opportunities. Relationship Management: Build long-term relationships with builders, developers, and channel partners to maximize home loan penetration.

Role & responsibilities Partnership Development: Identify and evaluate potential co-lending partners such as banks, credit unions, and community development financial institutions Establish and nurture relationships with key stakeholders to explore collaboration opportunities and strategic alliances. Negotiate partnership agreements, terms, and conditions in alignment with company objectives. Co-lending Program Management: Develop co-lending frameworks and strategies to optimize lending capacity and mitigate risks. Design and implement operational processes for seamless coordination between partners. Monitor co-lending activities, performance metrics, and outcomes to assess effectiveness and identify areas for improvement. Risk Management: Conduct thorough risk assessments of co-lending partnerships and projects to ensure compliance with regulatory requirements and mitigate potential risks. Implement risk mitigation strategies and controls to safeguard the company's interests and assets. Compliance and Regulatory Oversight: Stay abreast of regulatory changes and industry best practices related to co-lending and partnership arrangements. Ensure adherence to regulatory standards, internal policies, and procedures throughout the co-lending process. Collaborate with legal and compliance teams to address any regulatory issues or concerns. Financial Analysis and Reporting: Analyze financial data and performance metrics to evaluate the profitability and viability of co-lending initiatives. Prepare comprehensive reports and presentations for senior management, board of directors, and external stakeholders. Cross-functional Collaboration: Collaborate with internal teams including underwriting, finance, marketing, and operations to support co-lending activities and ensure seamless integration with existing processes. Provide training and guidance to internal stakeholders on co-lending policies, procedures, and best practices. Role Purpose; As the Manager of Co-Lending & Partnerships, you will be responsible in; 1. Fostering strategic alliances and managing co-lending initiatives within the housing finance sector. 2. Collaborating with various stakeholders including financial institutions, government bodies, and non-profit organizations to expand lending opportunities and enhance housing affordability.

1. Looking after credit underwriting of SENP / SEP cases (self-employed & non-professionals.) by having a deep understanding of applicant's financials and business background post visiting customer 2. Appraising loan applications for creditworthiness ensuring adherence to KYC norms, credit bureau assessment and financials 3. Maintaining the processing TAT 4. Managing the credit quality of underwritten cases. Having sound knowledge of present economic indicators as well as updates in the mortgage industry. 5. Responsible for frequent training, updates on new circulars, credit policy with the sales team.

1. Conduct audit of Home Loan products, loan disbursements, collections and other operational activities to ensure adherence to company policies, procedures, and relevant regulatory guidelines. 2. Verify the accuracy and completeness of accounting entries, loan documents and supporting documentation. 3. Identify and report any deviations, irregularities, or non-compliance with established procedures or regulatory requirements. 4. Assess the effectiveness of internal controls and make recommendations for improvements to mitigate risks and enhance operational efficiency. 5. Review loan portfolios, including loan applications, loan agreements, collateral valuation, and documentation to ensure compliance with credit policies and regulatory guidelines. 6. Perform periodic reconciliations of accounts, ledgers, and other financial records to ensure accuracy and detect discrepancies or fraudulent activities. 7. Collaborate with cross-functional teams, including Operations, Credit, Legal and Compliance, to address audit findings, resolve issues and implement corrective actions. 8. Prepare comprehensive audit reports, including findings, observations and recommendations and present them to management and relevant stakeholders.

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI, CKYC, and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

Evaluate and underwrite SENP / SEP loan applications by analyzing financials, business profiles, and conducting personal discussions (PDs). Ensure credit appraisal is in line with company policy, KYC norms, financial assessments, and credit bureau checks. Maintain processing Turnaround Time (TAT) for all loan files and ensure timely approvals. Monitor credit quality and track economic indicators impacting portfolio performance. Ensure end-to-end compliance with login, sanction, and disbursement checklists and conditions. Coordinate with Sales and Credit teams to facilitate smooth file movement and reduce process gaps. Oversee execution and compliance of regulatory activities like CERSAI , CKYC and NHB reporting. Manage secure storage of physical loan documents at the branch and dispatch to vaults within defined timelines. Support Location Operations Head during internal, concurrent, statutory, and NHB audits with required data and process adherence. Ensure branch infrastructure and administrative processes comply with NHB and internal operational guidelines. Conduct regular training and updates for sales teams on new credit policies, circulars, and audit observations. Prepare and maintain accurate credit and operations MIS for branch performance tracking and reporting. Implement operational improvements and risk mitigation strategies across credit and loan processing functions. Cost control measure to be taken to improve Branch Profitability

1. Ensuring compliance with the process and login checklists at all times 2. Compliance of sanction and disbursement conditions 3. Coordinate with Branch Sales and Credit teams for smooth flow of loan files 4. Assist Location Ops Head during various Audits (Concurrent, Stat, NHB) 5. Assist Location Ops Head in ensuring Branch Infra & Admin Compliance at all times as per NHB & Organization norms 6. Branch Ops MIS management 7. Execution knowledge of Regulatory activities like CERSAI, CKYC and other reporting Authorities 8. Ensure all loan documents are safely stored at Branch premises and dispatched for vault storage in a timely and qualitative manner

1. Ensuring compliance with the process and login checklists at all times 2. Compliance of sanction and disbursement conditions 3. Coordinate with Branch Sales and Credit teams for smooth flow of loan files 4. Assist Location Ops Head during various Audits (Concurrent, Stat, NHB) 5. Assist Location Ops Head in ensuring Branch Infra & Admin Compliance at all times as per NHB & Organization norms 6. Branch Ops MIS management 7. Execution knowledge of Regulatory activities like CERSAI, CKYC and other reporting Authorities 8. Ensure all loan documents are safely stored at Branch premises and dispatched for vault storage in a timely and qualitative manner

Role & responsibilities Strategic Sales Leadership Oversee sales and business development for Housing Loan products across all branches in the assigned region. Drive the establishment and growth of the Easy brand in the market. Business Planning & Revenue Management Design the regional business development strategy in consultation with the Zonal Manager. Identify and define revenue generation targets aligned with national goals and cascade them to respective districts. Branch Profitability & Product Innovation Ensure branch-level profitability across the region. Explore new channel development and introduce localized products to boost business growth. Sales & Financial Planning Develop and execute regional plans to achieve financial and sales objectives. Monitor expenditures, assess variances, and implement corrective actions proactively. Performance Reporting Present regular performance reports and metrics to senior management with actionable insights. Portfolio Monitoring & Quality Control Monitor the loan book, product mix, yields, and portfolio quality at a regional level. Guide and support Area Sales Managers with necessary course corrections based on data-driven insights. Cross-functional Collaboration Work closely with functional heads (Product, Marketing, Credit, Operations, Technical, Legal) to drive business metrics and improvements. Provide strategic feedback to refine product offerings, processes, and channel strategies. Regulatory Compliance Ensure adherence to all regulatory and internal compliance guidelines within the region. Marketing & Promotions Oversee implementation of regional marketing, advertising, and promotional activities in coordination with the central marketing team. Market Intelligence & Ground-Level Connect Conduct regular branch visits and market checks to stay updated on ground realities and business challenges.

BTL Plan and execute local marketing events, loan melas, housing society activations, kiosk setups, etc. Distribute and install marketing collaterals at strategic locations in the branch catchment area Manage vendor coordination for field-level execution as needed. Execute Marketing BTL activities near branches, catchment areas on a daily and weekly basis. Branch Branding & Collateral Management Ensure consistent branding across all branches (signages, posters, standees, etc.). Conduct regular collateral audits and replenish marketing materials by traveling to branches. Maintain inventory and usage records for all marketing collaterals. Coordination & Planning Work closely with Branch Managers to identify local marketing opportunities. Share weekly activity plans and post-activity reports with the central marketing team. Gather insights from the field to recommend hyperlocal campaigns or improvements.

Conduct both pre-sanction and post-sanction field verifications for Home Loan applicants to ensure authenticity and reduce risk. Thoroughly examine KYC documents, income proofs, and property papers to confirm their genuineness and completeness. Validate the applicants residence and employment/business details through physical field visits and interactions. Coordinate closely with Credit, Sales, and Legal departments to collect necessary information and resolve discrepancies. Detect and flag any suspicious activities, inconsistencies, or potential fraud for immediate escalation. Adhere strictly to the defined Turnaround Time (TAT) to complete verifications promptly without compromising quality. Prepare structured, accurate, and timely verification reports with clear observations and recommendations. Update internal systems or mobile applications with verification findings and maintain status logs. Ensure strict confidentiality of customer data and follow internal security protocols to safeguard information. Participate in regular audits and reviews of past verification files to ensure compliance and identify process improvements. Conduct re-verifications or additional checks as needed in case of escalations or alerts from other departments. Support training of new team members or field agents in verification processes and company standards. Maintain updated knowledge of fraud trends, KYC norms, and regulatory requirements relevant to the home loan sector. Communicate clearly and professionally with applicants during field visits to obtain accurate information. Prepare MIS or daily reports for the Risk Manager or Regional RCU Head to support decision-making.

Conduct both pre-sanction and post-sanction field verifications for Home Loan applicants to ensure authenticity and reduce risk. Thoroughly examine KYC documents, income proofs, and property papers to confirm their genuineness and completeness. Validate the applicants residence and employment/business details through physical field visits and interactions. Coordinate closely with Credit, Sales, and Legal departments to collect necessary information and resolve discrepancies. Detect and flag any suspicious activities, inconsistencies, or potential fraud for immediate escalation. Adhere strictly to the defined Turnaround Time (TAT) to complete verifications promptly without compromising quality. Prepare structured, accurate, and timely verification reports with clear observations and recommendations. Update internal systems or mobile applications with verification findings and maintain status logs. Ensure strict confidentiality of customer data and follow internal security protocols to safeguard information. Participate in regular audits and reviews of past verification files to ensure compliance and identify process improvements. Conduct re-verifications or additional checks as needed in case of escalations or alerts from other departments. Support training of new team members or field agents in verification processes and company standards. Maintain updated knowledge of fraud trends, KYC norms, and regulatory requirements relevant to the home loan sector. Communicate clearly and professionally with applicants during field visits to obtain accurate information. Prepare MIS or daily reports for the Risk Manager or Regional RCU Head to support decision-making.

Roles & Responsibilities Key Responsibilities: Builder & Developer Tie-ups: Identify and onboard builders & developers for APF (Approved Project Finance) tie-ups to generate home loan business. Project Approvals: Work closely with the Credit & Legal teams to get projects pre-approved for faster loan disbursements. Business Development: Strategically increase the builder network to drive loan volumes and maintain a steady inflow of business. Stakeholder Management: Collaborate with internal teams to ensure quick TAT in APF approvals and support sales teams with project-related information. Market Analysis: Stay updated on real estate trends, competitor activities, and project developments to leverage business opportunities. Relationship Management: Build long-term relationships with builders, developers, and channel partners to maximize home loan penetration. Pre-Requisites Experience: 2-5 Years in APF Sales / Builder Tie-ups in Housing Finance Education: Graduate Key Skills & Competencies: Strong understanding of Home Loan & APF processes Excellent network of builders, developers, and channel partners Proven track record in real estate & home loan sales Ability to negotiate and close APF tie-ups effectively Strong analytical, communication, and interpersonal skills

Role & responsibilities Data Management & Reporting: Collect, validate, and consolidate technical, credit, and operational data from various branches. Prepare daily, weekly, and monthly MIS reports for Technical teams and management. Track and report on technical valuation status, site visits, deviations, and turnaround times (TATs). Generate exception reports for pending valuations, revaluations, or deviations. System Support & Maintenance: Coordinate with IT and system teams for resolving MIS or data-related issues. Maintain proper documentation and logs of reports and dashboards. Stakeholder Coordination: Liaise with Technical Officers / Valuers / Credit Managers to gather data or resolve discrepancies. Ensure proper data flow between field teams and central MIS reporting systems. Process Improvement: Suggest improvements in reporting formats and data collection processes to enhance efficiency. Support in developing automated dashboards using Excel Key Skills & Competencies: Proficiency in MS Excel (VLOOKUP, Pivot Tables, Macros preferred). Familiarity with Housing Finance processes, especially technical valuation & credit workflows. Strong analytical and problem-solving skills. Good communication skills to coordinate with multiple stakeholders. Basic understanding of data visualization/reporting tools like Power BI is a plus. Educational Qualification: Graduate / Diploma in Engineering, B.Com/B.Sc with strong Excel skills. MIS certification or technical diploma (preferred).

Role & responsibilities 1. LMS Adoption & Tracking Promote the effective use of the Learning Management System (LMS) across all business units. Monitor LMS usage, course enrollments, and completion metrics. Identify gaps in adoption and develop strategies to enhance user engagement. Manage user queries and coordinate with vendors or IT for system-related enhancements. 2. Training Execution & Completion Assist in the execution of the annual training calendar (classroom, virtual, e-learning). Coordinate with internal and external trainers, business stakeholders, and logistics teams. Ensure timely tracking of attendance, participation, and completion rates across programs. Maintain accurate training records and prepare periodic reports. 3. Course & Content Improvement Evaluate existing training content and recommend updates to improve relevance and effectiveness. Coordinate with Subject Matter Experts (SMEs) and vendors to create or revise training material. Ensure alignment of content with business objectives and compliance requirements. Maintain content libraries on the LMS with version control. 4. Training Impact & Performance Tracking Support the analysis of training effectiveness through pre/post assessments, feedback forms, and performance data. Assist in creating dashboards and MIS reports to measure ROI on learning initiatives. Identify trends and recommend improvements to learning strategies based on impact analysis. 5. Employee Engagement Activities Plan and execute employee engagement initiatives that promote a culture of continuous learning and development. Collaborate with internal teams for campaigns, contests, recognition programs, and L&D events. Facilitate feedback sessions to assess employee interests and satisfaction levels.

1 sourcing new files for home loans through various channels. 2 achieving the disbursement targets. 3 complete the documentation for processing the loan applications. 4 Responsible for Collections 5 Active participation in business development activities for Home Loans. 6 Connector/DSA empanelment