Roles and Responsibilities Identify new business opportunities through networking, referrals, and market research. Auto loan sales Desired Candidate Profile 1-6 years of experience in auto loan sales or related field (car loan, financing). Excellent communication skills with ability to build rapport with clients at all levels. Ability to work independently with minimal supervision while meeting deadlines.

Responsible for increasing the Branch's Sales volume increase, Exceptional customer services, Acquisition of new customers and business development. Profile Graduation (regular) or PG in any discipline with 5+ years of Experience in Banking operations & managing regulatory requirements. Excellent Communication & Interpersonal Skills are must. Team building and team management skills are the most valued traits.

Identification of BC/Agent Support the BC s to collect the proper documents as pert the Banks guideline. Agreement and Document collection from BC BC/Agent Field level onboarding support To provide proper device demonstration To give proper product training to the Agents Up time Downtime update to the field on time Monitor and support the field level technical issues. Filed level monitoring of Agents performance and Sales promotional activities. Ensure that business generation is as per the regulatory and internal compliance

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Handling Disciplinary Issues IR related matters. Conducting Enquiry based on the reports received from other stake holders in Bank, as needed Staff Fraud Investigation, as needed Handling grievance procedures and conflict resolution arising out of Disciplinary Proceeding IR related Issues Continuously take steps for preventing Frauds and Misappropriations by proper awareness training programs in coordination with LD team Represent the Bank regarding Labour issues and other Legal matters pertaining to Staff Reporting of Disciplinary and Staff actions to Management in specified formats. Train team members and other staff related latest updates in labour law, regulations and staff legal aspects Monitoring the statutory compliances under various Labour Laws/ Codes, as needed Skills Must have excellent oral and written communication skills Should have excellent drafting skills (legal). Should have good experience in handling staff legal issues MS office Other HRMIS software Experience: 10-15 years with experience in handling Disciplinary issues, labour related matters. Qualification: LLB or Any Post graduation

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Key Responsibilities : Loan Application Processing : Review mortgage loan applications and assess the eligibility of applicants based on their financial status, credit history, and property details. Ensure completeness of documents required for loan processing and disbursement. Credit Assessment & Risk Analysis : Conduct comprehensive credit evaluations for mortgage applicants, including assessing their income, debt levels, credit scores, and loan repayment capacity. Utilize various risk analysis tools and credit models to evaluate the potential risk and profitability of loans. Loan Approval/Rejection : Make recommendations for the approval or rejection of mortgage loan applications based on creditworthiness, risk analysis, and compliance with company policies. Communicate the decisions clearly to clients and work with them to explain the reasons for approval or denial. Mortgage Loan Structuring : Propose appropriate loan terms, interest rates, and repayment structures tailored to the customer's financial profile and organizational guidelines. Customer Interaction : Assist customers with mortgage-related queries, ensuring they are well-informed about loan products, eligibility criteria, interest rates, and repayment plans. Guide clients through the mortgage process and provide updates on the status of their loan applications. Compliance & Regulatory Adherence : Ensure all mortgage loan applications comply with internal policies , regulatory requirements , and industry standards. Stay updated with the latest regulatory changes and implement them as necessary. Collaboration with Sales & Operations : Work closely with the sales and customer relationship teams to ensure smooth loan origination and processing. Provide support to sales teams in explaining credit policies and loan terms to prospective borrowers. Portfolio Management : Monitor the performance of the mortgage loan portfolio, including tracking payment delinquencies and defaults. Recommend corrective actions or adjustments for any non-performing loans. Reporting & Documentation : Prepare regular reports on mortgage loan applications, approvals, rejections, and portfolio performance for management review. Maintain accurate and up-to-date records for all mortgage transactions. Customer Service : Provide excellent customer service by addressing concerns or issues raised by clients regarding their mortgage applications or loan servicing.

Job description Customer Interaction: Greet customers, assist with their banking needs, and provide exceptional customer service Inquiries: Respond to customer inquiries, address concerns, and provide information on banking products and services Cash Handling:Cash Transactions: Process various cash transactions, including deposits, withdrawals, and check cashing Currency Exchange: Handle foreign currency exchange and provide accurate exchange rates Banking Transactions:Account Management: Assist customers with account-related tasks, such as balance inquiries, account transfers, and statement requests Security:Security Measures: Adhere to security and compliance procedures, including verifying customer identification and detecting counterfeit currency Records and Documentation:Documentation: Maintain accurate records of daily transactions and reconcile cash drawer at the end of each shift

Key Responsibilities : Credit Evaluation : Assess the creditworthiness of customers applying for auto loans by reviewing their financial profiles, credit history, and loan repayment capacity. Conduct thorough checks, including background and reference verification, to ensure accurate decision-making. Loan Application Processing : Review and validate loan applications for completeness and compliance with bank policies and regulatory requirements. Ensure that all documentation is in place for loan disbursement. Risk Analysis : Identify and evaluate potential risks associated with lending to applicants. Utilize risk management tools and models to minimize credit risk exposure. Approval and Rejection of Loans : Approve or reject auto loan applications based on analysis, credit policies, and risk assessment criteria. Ensure timely communication with customers regarding loan approval or rejection. Loan Structuring : Recommend suitable loan structures, terms, and interest rates based on customer profiles and internal policies. Collaboration with Sales Team : Work closely with the sales and relationship management teams to ensure that loan products meet customer needs and expectations. Provide support for any questions or concerns related to loan terms, conditions, and eligibility. Compliance and Regulatory Adherence : Ensure compliance with the bank's internal policies , local regulations, and industry standards. Stay updated with the latest regulatory changes impacting auto loans. Customer Interaction : Assist customers with loan-related queries, provide information on loan products, and guide them through the loan application process. Foster positive relationships with customers to encourage repeat business and enhance customer satisfaction. Performance Monitoring : Monitor loan portfolio performance, including assessing the timely repayment of loans. Identify delinquent accounts and recommend appropriate action in line with the organization's policies. Reporting : Generate regular reports on loan performance, outstanding balances, and credit quality. Provide insights into loan trends, customer behaviors, and any areas for improvement.

Job description Conduct BC outlet wise progress review to ensure timely implementation of plans targets through the BC channel. Coordinate with the BC outlets staff for the successful launch and promotion of new micro banking products. Establish ESAF SFB as a preferred brand amongst the micro banking customer segment for all products across assets, liabilities and TPP. Identify the critical/burning issues of the area affecting the business and BC operations take remedial action/ escalate wherever needed Work closely with the BC outlet/branch managers, identify any gaps and remedy the situation without allowing it to damage the business. Regular visit to the BC outlets and interaction with BC outlet staff to ensure that business achieves the targets. Oversee the implementation of policies, procedures and controls in BCs so that all relevant procedural/regulatory requirements are met by the BCs. Monitor field activities of the BC and provide support when necessary Assess the market to find newer opportunities in terms of geographies, products, processes, customer segment etc. and provide feedback

Job Description: To ensure 100% right valuation - capturing right cartage, proper stone deduction etc. Adhering to high ethical standards and comply with all the laid down processes / policies - KYC adherence. To provide high quality customer service, prompt resolution of queries pre & post loan disbursal. Supporting branch staff in business development activities & helping to achieve branch targets. Eligibility Candidate should have a regular degree (Candidates with distance education may refrain from applying) Candidate should have a flair for marketing & Sales He/ She should have a thorough knowledge on gold loan operation with 1 -2 year experience in Bank / NBFC

To generate working capital business by closely working with retail branches. Lead generation and conversion. Achieving set business targets through multiple branches mapped to him/her. Customer Acquisition by closely working with retail branches. First point contact for banking needs of the mapped customers. Cross sales - Other Banking products. Eligibility Any Graduate(Regular mode) with 3-6years experience in Working Capital Business Loans can apply. Good communication skills. Good customer management skills. Very good sales acumen.

Digital Strategy Development: Formulate and execute digital strategies to enhance the overall digital banking experience Collaborate with cross-functional teams to align digital initiatives with organizational goals and customer needs Digital Channel Management: Oversee and optimize various digital channels, including online banking platforms, mobile apps, and other digital touchpoints Ensure the usability, functionality, and security of digital channels, addressing any issues promptly Customer Experience Enhancement: Identify opportunities to improve the customer journey through digital solutions Work on enhancing the user interface (UI) and user experience (UX) of digital banking platforms Product Development: Collaborate with product development teams to create and enhance digital banking products and services Conduct market research to identify emerging trends and incorporate innovative features into digital offerings Regulatory Compliance: Stay informed about relevant regulations and compliance requirements related to digital banking Ensure that digital banking services comply with industry standards and legal guidelines Data Analysis and Reporting: Utilize data analytics to monitor digital banking performance and customer behavior Generate reports and insights to inform decision-making and optimize digital strategies Technology Integration: Collaborate with IT teams to integrate new technologies and ensure the seamless functioning of digital banking platforms Stay updated on technological advancements and assess their relevance to the banking industry Security and Risk Management: Implement robust security measures to protect customer data and digital transactions Develop and enforce risk management protocols for digital banking operations Training and Development: Provide training to staff and stakeholders on digital banking processes and tools Stay informed about industry best practices and share knowledge within the organization

Key Responsibilities : Manage and oversee daily operations in micro banking activities Ensure accurate and timely processing of micro loans and other financial products Conduct credit assessments and manage risk by reviewing loan applications Assist in managing the loan portfolio and ensure repayment schedules are followed Provide excellent customer service by resolving queries and offering financial guidance Ensure compliance with regulatory guidelines and internal policies Track and maintain financial records ensuring accuracy in reporting Work closely with team members to achieve branch and organizational targets Identify opportunities to improve operational efficiency and service delivery Conduct market research to understand customer needs and offer relevant financial solutions Assist in the development of training materials and help train new staff members Build and maintain relationships with customers to encourage repeat business Participate in community outreach programs to promote financial inclusion Skills Required : Strong knowledge of microfinance operations and products Excellent communication and interpersonal skills Good understanding of financial analysis and credit risk assessment Ability to manage multiple tasks and priorities Detail-oriented with strong organizational skills Knowledge of banking regulations and compliance requirements Customer service-oriented with a focus on client satisfaction Problem-solving and conflict resolution skills Basic proficiency in financial software and reporting tools Team-oriented with a collaborative approach Strong time management skills Ability to adapt to changing work environments

Job description Customer Interaction: Greet customers, assist with their banking needs, and provide exceptional customer service Inquiries: Respond to customer inquiries, address concerns, and provide information on banking products and services Cash Handling:Cash Transactions: Process various cash transactions, including deposits, withdrawals, and check cashing Currency Exchange: Handle foreign currency exchange and provide accurate exchange rates Banking Transactions:Account Management: Assist customers with account-related tasks, such as balance inquiries, account transfers, and statement requests Security:Security Measures: Adhere to security and compliance procedures, including verifying customer identification and detecting counterfeit currency Records and Documentation:Documentation: Maintain accurate records of daily transactions and reconcile cash drawer at the end of each shift

Responsibilities Greet and assist visitors in a professional manner. Manage phone calls and correspondence (emails, letters, packages). Schedule appointments and maintain the calendar for the management. Ensure the front office is tidy and presentable, with all necessary stationery and materials. Handle inquiries and provide information regarding the organization and its services. Coordinate with other departments to ensure smooth office operations. Perform administrative tasks such as data entry, filing, and document management. Skills and Qualifications Excellent communication skills, both verbal and written. Proficiency in Microsoft Office Suite (Word, Excel, PowerPoint). Strong organizational and multitasking abilities. Customer service orientation and professional demeanor. Basic knowledge of office management procedures. Ability to work independently and as part of a team. Attention to detail and problem-solving skills.

Job description Bachelor s degree in Finance, Commerce or Business Banking certifications, IIBF certifications, quality certifications will be a plus Experience in Insurance Operations, Reconciliation, Disbursement Operations, Card Operations etc will be a value-add Minimum 1 - 2 years of relative experience in managing Banking / Microbanking Operations in the BFSI segment Freshers may also apply Open to working in any shift and on holidays Exposure to MS Office and other related applications will be an advantage

Job description Bachelor s degree in Finance, Commerce or Business Banking certifications, IIBF certifications, quality certifications will be a plus Experience in Insurance Operations, Reconciliation, Disbursement Operations, Card Operations etc will be a value-add Minimum 1 - 2 years of relative experience in managing Banking / Microbanking Operations in the BFSI segment Freshers may also apply Open to working in any shift and on holidays Exposure to MS Office and other related applications will be an advantage

Minimum Experience : 5+ years of experience handling HR in the Microfinance/Banking domain . Hands-on experience in Talent Acquisition (mass recruitment) with exposure to South and Northern parts of India . Exposure to HR operations and employee life cycle management . Willingness to relocate anywhere in India . Key Roles and Responsibilities (but not limited to): Manpower Planning and Placements : Plan and manage manpower requirements as per the needs of the MB Channel for the allotted region. Employee Onboarding : Oversee the onboarding process in line with the bank policies . Employee Life Cycle Management : Ensure smooth management of the employee life cycle within the MB channel . Employee Performance Management : Implement performance management processes and strategies for employees in the MB channel . HR Operations Management : Manage overall HR operations within the MB channel . Collaboration with Corporate HR/L&D : Support the Corporate HR / L&D teams to ensure adherence to corporate policies, procedures, and training initiatives across the channel. Employee Engagement : Coordinate with the business to ensure employees are engaged and joyful , ultimately improving employee productivity .

Responsible for growth of banking business at the branch level through business development, customer servicing Also responsible for customer acquisition strategy and establishing / maintaining relationship with high net worth individuals/ organizations Accountable for overall administration, MIS reporting and compliance and service quality at the branch Profile Graduation (regular) or PG in any discipline with 6+ years of Experience in Banking operations & managing regulatory requirements Excellent Communication & Interpersonal Skills are must Team building and team management skills are the most valued traits