Skills Banking Sales Branch Banking Operations Fresher Description Educational Qualification : Graduation Degree in any Discipline from a recognized University Experience : Freshers / less than 6 months Age : Min: 20 years to Max: 26 years (on joining) Duration : 12 months of On-the Job Training Department : Branch Banking Acquire knowledge of ESAF SFB’s banking products, services, regulations, and compliance. Assist customers with basic banking support, including account opening queries. Engage with both prospective and existing customers to identify their banking needs and generate leads for the bank. Gain hands-on experience in banking operations and customer service. Participate in structured learning modules on banking products, regulations, and compliance.

Skills Microbanking/Microfinance Description ESAF Small Finance Bank is looking for following roles for Microbanking vertical in Andhra Pradesh and Telangana Zonal Head: Graduate with 15+ Years in micro finance sector and having experience in handling leadership role. Regional Head: Graduate with 10+ Years in micro finance sector and having experience in handling team. Cluster Head: Graduate with 8 Years of experience in spearheading large microfinance branches / multiple Branches Area Quality controller: Graduate with 5 Years of experience in heading microfinance branches Customer Service Manager: Graduate with 4 Years of experience in handling microfinance branches Assistant Customer Service Manager: Graduate with 2 Years of experience in handling microfinance operations Customer Service Officer / Executive – Plus 2/ 12th std or above with 1 year of experience in handling microfinance operations. Freshers who are open to field work can apply

You will be responsible for driving business growth at branches, managing customer accounts, and acquiring new clients. Your primary role will involve managing liabilities and assets, team management, ensuring business compliance, and overseeing branch operations. You should possess a postgraduate degree from a reputable institution with a preference for candidates specialized in Rural Development, Rural Marketing, or Sales & Marketing. Additionally, you must have a willingness to work in rural areas, excellent communication and analytical skills, integrity, sales acumen, service orientation, and target orientation. The age criteria for this position is 26 years and the work locations are across PAN India.,

Job Description: As a Business Development Team Leader with expertise in lending, group loans, portfolio analysis, microbanking, and microfinance operations & business development, your primary role is to lead and manage the Micro Assets business across the bank's operational geographies. Your focus will be on driving sustainable and profitable growth, ensuring asset quality, developing scalable models, and deepening financial inclusion in alignment with the bank's mission. You will be responsible for developing and implementing the overall strategy for the Micro Assets business, with a key emphasis on achieving disbursement, portfolio outstanding (POS), and fee income targets. Expanding the Micro Assets portfolio into new geographies and customer segments while building strategic partnerships with NGOs, SHGs, and community-based organizations will be crucial aspects of your role. In terms of credit and portfolio management, you will drive credit underwriting policies to balance growth and asset quality. Monitoring portfolio quality through key metrics such as PAR, NPA, and Write-off ratios, implementing early warning systems, collection strategies, and managing credit risk within the bank's risk appetite framework will be essential responsibilities. Product and process innovation will also be a key focus area where you will be required to develop new microfinance products tailored to customer needs, enhance customer onboarding, loan processing, and disbursement processes, as well as leverage technology to streamline operations and improve customer experience. Team leadership and capability building are integral parts of your role, involving leading a large team of regional, cluster, and branch-level micro-asset officers. Setting performance KPIs, monitoring productivity, driving team engagement, and designing capability-building programs to enhance field-force skills will be critical for the success of the Micro Assets vertical. Ensuring regulatory compliance and governance is a non-negotiable aspect of the role, requiring strict adherence to RBI regulations on priority sector lending (PSL) and microfinance guidelines. Maintaining strong governance practices, including credit audits, internal controls, and preparing for regulatory and statutory inspections will be essential responsibilities. Stakeholder management will also be a key component where you will work closely with Credit Risk, Collections, Audit, Compliance, Operations, and Technology teams. Representing the Micro Assets vertical at internal governance committees and external forums to ensure effective communication and collaboration will be crucial for the overall success of the business. Qualifications: - Post-Graduate Degree in Management (MBA/PGDM) / Finance / Rural Management / Social Work. - Preferably with certifications in Microfinance / Risk Management. Experience: - Minimum 15-18 years of experience in financial services. - At least 7-10 years in leadership roles managing microfinance or small-ticket retail lending (secured or unsecured). - Experience in a Small Finance Bank / NBFC-MFI preferred.,

You will be responsible for managing cash transactions in the Branch accurately with due diligence. It is important to ensure adherence to established procedures and guidelines, as well as service standards within the branch. Your role will involve handling Branch Banking, Cash Management, Banking Operations, Cross sales target Achievement, CASA value, and numbers.,

The ideal candidate for this role should be a postgraduate in any discipline from a reputable institution. It is essential that the graduation is regular without any backlogs at the time of interview and joining. Candidates specialized in Rural Development, Rural Marketing, or Sales & Marketing with a mindset to serve the rural population of India and a willingness to work in the field will be preferred. Your primary responsibilities will include driving business growth at branches, managing liabilities and assets, team management, acquiring new clients, ensuring performance and statutory compliance, overseeing business operations, and ensuring business compliance. To be considered for this position, you should be under the age of 26 and be willing to work in field/rural areas across India. Excellent written and oral communication skills, strong analytical skills, integrity, good sales and business acumen, service orientation, and target orientation are prerequisites for selection. This role offers the opportunity to contribute to business growth, manage teams, acquire new clients, and ensure compliance with business standards while serving the rural population of India.,

As an Auditor in the Banking sector, you will be responsible for performing RBIA (Micro Banking) at various Banking Branches to identify potential risks, ensure compliance with laws and regulations, and strengthen internal control measures. Your duties will include conducting audits in assigned branches using the eTHIC application, obtaining daily rectifications based on audit reports, and organizing entry and exit level meetings in the branches. Furthermore, you will be required to verify Micro Banking accounts and Jan Dhan accounts, examine documents, records, and registers in branches, and conduct sangam visits as per checklist. Additionally, you will conduct compliance audits as needed to ensure adherence to set standards and procedures. Overall, your role will play a crucial part in maintaining the integrity and operational efficiency of the banking branches through meticulous auditing and compliance verification.,

The ideal candidate for this position should have a minimum of 2 years of experience in Agri-Loans and demonstrate a strong sales acumen. It is essential for the candidate to possess excellent communication skills and interpersonal skills to effectively engage with clients and stakeholders. The ability to communicate clearly and persuasively is key to success in this role. Strong sales acumen will enable the candidate to identify and pursue opportunities effectively. The candidate should also be able to build and maintain positive relationships with clients and colleagues.,

As a Sales and Marketing professional in the Branch Banking industry, you will be responsible for developing business in the affordable & micro housing segment within your assigned territory. You will lead a team of Sales Officers and work towards leveraging the existing customer network to drive sales. Conducting promotional activities to increase brand awareness and maintain customer engagement will be a crucial part of your role. Your responsibilities will also include ensuring a high-quality portfolio by closely monitoring customer relationships and transactions. This position will require extensive travel to small towns and rural areas in India to reach potential customers and expand the business footprint in these regions. If you are a dynamic individual with a passion for sales, marketing, and customer service, this role offers an exciting opportunity to make a significant impact in the Branch Banking sector.,