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.,
You are seeking a Head of Retail Liabilities with over 20 years of relevant leadership experience. The ideal candidate should have a proven track record of developing a high-quality liability (deposit) portfolio in a bank. You must demonstrate deep functional knowledge in Retail Liabilities business, including product design and development, segment strategy, and the launch of new product offerings. Your experience should include expansion/distribution of liability business using multiple channels. You will be responsible for strategizing the development and growth of the retail liability business of the bank. Additionally, you will take responsibility to deliver retail liability targets for the bank. If you meet these criteria and have the required experience, we encourage you to apply for this position.,
As a Business Development professional, you will be responsible for fostering growth and driving revenue for the company. Your key responsibilities will include identifying new business opportunities, building and maintaining client relationships, and developing strategic partnerships. You should possess strong communication and interpersonal skills in order to effectively engage with clients, understand their needs, and present solutions that meet their requirements. Your analytical ability will also be crucial in evaluating market trends, identifying potential areas for growth, and making data-driven decisions to drive business success. To be eligible for this role, you should have a minimum of a Graduation (regular) or Post-Graduation in any discipline, along with at least 2 years of experience in a similar role. Your experience and expertise in business development will be highly valued and appreciated in this position.,
As a Business Development professional, you will be responsible for driving growth and increasing revenue for the company. Your role will involve identifying new business opportunities, building and maintaining relationships with clients, and developing strategies to expand the customer base. Your strong communication and interpersonal skills will be essential in effectively liaising with potential clients, understanding their needs, and presenting suitable solutions. You will also need to collaborate with internal teams to ensure client satisfaction and successful project delivery. Your analytical ability will be put to good use in evaluating market trends, identifying potential areas for growth, and making data-driven decisions to improve business performance. You will need to analyze competitor activities and market dynamics to stay ahead of the competition. To excel in this role, you should have a graduation or post-graduation degree in any discipline, with at least 2 years of relevant experience in business development or a related field. Your proven track record of achieving sales targets and driving business growth will be highly valued. If you are a proactive and results-oriented professional with a passion for driving business success, we invite you to apply for this exciting opportunity.,
Job Description: You will be responsible for generating working capital business by closely collaborating with retail branches. Your key tasks will include lead generation and conversion, achieving set business targets through multiple branches assigned to you, and acquiring customers by working closely with retail branches. You will also serve as the first point of contact for the banking needs of the mapped customers, and engage in cross-selling other banking products. Eligibility: To be considered for this role, you should hold a graduate degree in regular mode and have 3-6 years of experience in Working Capital Business Loans. Additionally, strong communication skills, effective customer management abilities, and a high level of sales acumen are essential qualities for this position.,
You are looking for a Specialist - IT Compliance to oversee the bank's compliance with regulatory and statutory requirements related to the IT function. In this role, you will be responsible for coordinating with ITD, Digital Banking, ISD, IS-Audit to ensure compliance with audits such as CSITE, UIDAI, etc. Basic Eligibility: - Bachelors or Masters Degree in Information Technology, Computer Science, or related fields. Experience: - Minimum 5 years of experience in IT or IS Compliance/Audit Roles. - Banking experience of minimum 3 years. Responsibilities: - Ensure the bank's compliance with all regulatory and statutory requirements concerning the IT function. - Coordinate with various departments to ensure compliance with audits. - Stay updated with regulatory requirements and compliance frameworks. - Utilize knowledge of Risk Management & Audit processes for effective compliance. - Proficiency in advanced Microsoft Excel, Presentation skills, and data analytical skills will be advantageous. Preferred Qualifications/Certifications: - Relevant Certifications like CISA, CISM, etc. - Familiarity with regulatory requirements. - Understanding of Compliance frameworks. - Knowledge of Risk Management & Audit processes will be an added advantage. Location: Thrissur Grade: Manager & above,
As a Branch Banking professional, you will be responsible for increasing the Mortgage Business volume, providing exceptional customer services, acquiring new customers, and contributing to business development. Your role will involve utilizing your skills in customer service, sales, and marketing to meet and exceed set targets. To be eligible for this position, you should hold a Graduation (regular) or PG degree in any discipline and have at least 1+ years of sales experience in Banking, NBFC, FMCG, or related industries. A strong flair for sales and marketing is essential to succeed in this role.,
You will be responsible for overseeing the bank's compliance with all regulatory and statutory requirements related to the Micro Asset Portfolio. This includes coordinating with Micro Assets, Micro Banking Channel, BC Channel to ensure compliance with RBI and other statutory guidelines. Your role will involve ensuring adherence to all compliance standards and guidelines set forth by relevant authorities. To be eligible for this position, you must have a Graduation from a reputed University and a minimum of 10 years of experience in Banking and Financial Services, with at least 5 years specifically in Micro Assets. It is essential to possess in-depth knowledge of Micro Assets/Retail Assets, Banking Operations, and Control Functions. As a Senior Manager & above, preferred qualifications and certifications include relevant certifications, CAIIB, and a good understanding of Risk Management and regulatory guidelines. Additionally, knowledge of advanced Microsoft Excel, strong presentation skills, and data analytical skills will be beneficial for this role. This position is located in Thrissur.,
Skills Compliance Fraud risk management Operational Risk Risk and Control Risks management Description Role Overview The Chief Risk Officer (CRO) will be responsible for establishing and overseeing the Bank’s enterprise-wide risk management framework. This includes identifying, assessing, monitoring, and mitigating risks across credit, market, liquidity, operational, compliance, information security, and AML domains. Key Responsibilities Lead the overall risk management function across the Bank, ensuring effective implementation of risk frameworks. Oversee credit risk, market risk, Information security risk, liquidity & interest rate risk, operational risk, and compliance risk management. Ensure effective implementation of Basel guidelines and Internal Capital Adequacy Assessment Process. Supervise internal financial controls, information security risk assessments, and cybersecurity preparedness. Facilitate Board and Committee discussions on Risk Profile of the organization, level and direction of aggregate and major risk streams, risk appetite, capital adequacy, and emerging risks. Provide leadership in operational risk, business continuity planning, and anti-money laundering (AML/CFT) compliance. Qualifications & Experience: Graduate / Post Graduate in any discipline from a recognized institution. Minimum 25 years experience in banking with at least 10 years progressive experience in risk management Strong leadership and strategic decision-making skills. Proven track record of working with regulatory authorities, auditors, and Board-level committees. Desirable Professional Qualifications : Certification in FRM /Professional Risk Age: Not exceeding 60 years (as on the date of application).
Skills Compliance Fraud risk management Operational Risk Risk and Control Risks management Description Role Overview The Chief Risk Officer (CRO) will be responsible for establishing and overseeing the Bank’s enterprise-wide risk management framework. This includes identifying, assessing, monitoring, and mitigating risks across credit, market, liquidity, operational, compliance, information security, and AML domains. Key Responsibilities Lead the overall risk management function across the Bank, ensuring effective implementation of risk frameworks. Oversee credit risk, market risk, Information security risk, liquidity & interest rate risk, operational risk, and compliance risk management. Ensure effective implementation of Basel guidelines and Internal Capital Adequacy Assessment Process. Supervise internal financial controls, information security risk assessments, and cybersecurity preparedness. Facilitate Board and Committee discussions on Risk Profile of the organization, level and direction of aggregate and major risk streams, risk appetite, capital adequacy, and emerging risks. Provide leadership in operational risk, business continuity planning, and anti-money laundering (AML/CFT) compliance. Qualifications & Experience: Graduate / Post Graduate in any discipline from a recognized institution. Minimum 25 years experience in banking with at least 10 years progressive experience in risk management Strong leadership and strategic decision-making skills. Proven track record of working with regulatory authorities, auditors, and Board-level committees. Desirable Professional Qualifications : Certification in FRM /Professional Risk Age: Not exceeding 60 years (as on the date of application).
As a candidate for this position, you should possess a strong background in team management, operations, communication, and interpersonal skills. Your leadership and organizing abilities will be crucial for effectively overseeing sales and business development initiatives. Additionally, your experience in compliance and branch administration within the banking sector is essential. The ideal candidate will hold a Graduation (regular) or PG degree in any discipline and have at least 6 years of experience in banking operations, including managing regulatory requirements. Excellent communication and interpersonal skills are a must for this role. Your proficiency in team building and team management will be highly valued as you navigate the demands of this position.,
Skills Banking Sales Branch Banking Operations Retail Branch Banking Banking products sales Banking business development Banking Sales Banking sector retail Description Role: Continuously enhance Branch Compliance & Operations Excellence, Customer Experience, Customer acquisition & retention, Sales, branch presence, and process excellence to strengthen the Bank’s market presence and profitability. Key Responsibilities: Ensure regulatory compliance, process efficiency, and service excellence. Drive customer-centric marketing, sales, and engagement programs Mentor and develop senior leaders to build a strong succession pipeline. Develop & implement cohesive strategies for liability and third-party products. Lead branch expansion initiatives and enhance branch performance. Achieve business growth across CASA, NRI, and overall banking portfolio. Minimum Requirements: Education: Preferably Post-Graduation. Experience: 22–25 years in Branch Banking with proven leadership in large-scale retail operations, sales, and customer engagement.