Area Manager LAP Role Sell Loan against Property (LAP) products for the organization. Plan & execute the LAP strategy for the month/ quarter to ensure regional goals are over achieved. Identifying potential channel partners based on agreed profiles. and ensure tie up is in accordance with the business plan & SOPs Relationship management with DSA, connectors & individual concerns where business leads can come from Control & monitor distribution network, plan sales promotion activities Handling the documentation and supporting customers with building the application files - mitigating issues Working with support functions for optimum TAT and service delivery Feed backing to customers on loan status & resolution required Must have customer centricity and create a culture of customer satisfaction across all levels within the team. Maintaining database and MIS & reporting on a regular basis. Cross sell of Insurance and related products. Qualification & experience Applicant should be PGDM / MBA from a good institute. Specialisation in sales and marketing/ Finance Experience of 3 to 5 years in Sales. Age up to 30 yrs. Experience in selling LAP products Essential skills Excellent communication Ability to understand business financials & assess health of cases Relationship building & networking Internal stakeholder management Good analytical skills High on integrity Proficient in MS Office Excel, PowerPoint Nature of role Field based Individual contributor role no direct team reporting in to this role

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. This role requires the candidate to be well versed with Secured Operations and preferable experience in high value cases/Construction Finance cases. The candidate should have a collaborative approach in owning up and discharging his/her responsibilities. The role incumbent will be responsible for process of managing central operations activities for Construction Finance loans. Repayments: End to end Repayments management including NACH registration and EMI presentations. Account maintenance: Management of post disbursal loan life cycle activities: like Part payments and Loan closures Daily and monthly Bank book, Bank statement and system reconciliations Loan Servicing for customer requests and complains received at Operations Insurance Operations: Central Insurance management for all locations Ensure adherence to all Central operations process in collaboration with other functions like sales, credit, customer service, collections. Adherence to the laid processes and checklist and regular feedback to incorporate adequate controls. Management of contractual resources to ensure productivity and quality of delivery. Proper assistance in audits & compliance related matters and ensuring proper closures with corrective action. Management of MIS’s and ensure all open entries are well reconciled. Follow up with relevant teams for closure of open entries. Execution knowledge of Regulatory activities like CERSAI, CKYC and other reporting criteria. Graduate with 3-4 years of work experience in Operations (Secured Operations, high value cases). Handled Operations at an HFC / NBFC. Handled a team of contractual staff in previous experience Eye for detail and stretch basis the work requirements. Good communication and multi-tasking skills. Ability to work in a challenging and unstructured / dynamic start-up environment. Good Collaboration with other functions Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. MBA or CA 5+ Years of Experience within Collections in a Strategy Role Essential skills 1. Analytical & Data Skills § Data Analysis & Interpretation: Ability to analyze large datasets to identify trends, portfolio risk, and customer behavior. § Advanced Excel / SQL / Python / R: Proficiency in tools for data manipulation and reporting. § Dashboarding & Reporting: Knowledge of tools like Power BI, Tableau, or similar. 2. Credit Risk Understanding § Knowledge of credit lifecycle, including originations, early warning systems, delinquency buckets (DPD), and recovery. § Understanding of risk segmentation and how it impacts collections strategy. 3. Strategy Development § Ability to design and optimize collections workflows, segmentation strategies, and treatment paths (e.g., calls, SMS, legal, field visits). § Experience in champion-challenger testing and performance tracking of different collections interventions. Key Responsibilities · Design and execute end-to-end collections strategies across delinquency stages (early, mid, late, charge-off). · Develop and optimize segmentation models to tailor collection efforts by risk profile and behavior. · Monitor performance metrics (e.g., cure rates, roll rates, recovery rates) and provide actionable insights. · Collaborate with data science, product, operations, and legal teams to implement and refine strategies. · Use data analytics tools (SQL, Python, Excel, etc.) to analyze portfolio trends and campaign effectiveness. · Recommend and test treatment paths, including outreach channels (email, SMS, IVR, phone), payment plans, and settlement offers. · Ensure strategies align with regulatory requirements and internal compliance standards. · Prepare presentations and dashboards to communicate results and strategy performance to senior leadership Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. This role requires the candidate to be well versed with Operations activities for loan product and preferable experience in NBFC/HFC/Bank. The candidate should have a collaborative approach in owning up and discharging his/her responsibilities. The role incumbent will be responsible for managing central operations activities for Secured & un-secured loans. Repayments: End to end Repayments management including NACH registration and EMI presentations. Account maintenance: Management of post disbursal loan life cycle activities: like Part payments and Loan closures Daily and monthly Bank book, Bank statement and system reconciliations Loan Servicing for customer requests and complains received at Operations Insurance Operations: Central Insurance management for all locations Ensure adherence to all Central operations process in collaboration with other functions like sales, credit, customer service, collections. Coordinate for internal and external audits as and when required Adherence to the laid processes and checklist and regular feedback to incorporate adequate controls. Management of contractual resources to ensure productivity and quality of delivery. Proper assistance in audits & compliance related matters and ensuring proper closures with corrective action. Management of MIS’s and ensure all open entries are well reconciled. Follow up with relevant teams for closure of open entries. Execution knowledge of Regulatory activities like CERSAI, CKYC and Bureau reporting criteria. Identify key areas and execute process improvement projects. Execution knowledge of loan disbursements, non-discrepancy checks. Disbursal payments. Graduate with 3-4 years of work experience in Operations (Secured Operations, high value cases). Handled Operations at an HFC / NBFC. Handled a team of on role / contractual staff in previous experience Eye for detail and stretch basis the work requirements. Good communication and multi-tasking skills. Ability to work in a challenging and unstructured / dynamic start-up environment. Skilful in planning tasks and able to prioritize work. Good Collaboration with other functions. Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. As digital interactions become the norm, customers expect seamless, self-sufficient service experiences. This role is essential to drive automation and assisted-service innovations, reducing reliance on customer support while enhancing efficiency and satisfaction. By leveraging AI, machine learning, and intelligent workflows, the Product Manager will streamline agent workflows, reduce service time, and elevate the customer experience through smart, data-driven product enhancements. The Product Manager will work closely with our Contact Center teams to continuously optimize our Salesforce Service Cloud and broader CRM tech stack. Product Strategy & Development: Define and execute the roadmap for automation in assisted servicing, integrating AI and ML for smarter digital solutions. Automation & Self-Service Execution: Build and optimize self-service solutions, transaction workflows, and AI solutions to streamline operations of contact centre & operations team. Cross-Functional Collaboration: Work with engineering, design, IT, customer service & operations teams to align initiatives with business objectives. Product Lifecycle & UAT: Oversee end-to-end product management, conducting User Acceptance Testing (UAT) to ensure functionality and performance. Data-Driven Optimization: Analyze KPIs (automation workflows, net promotor score, manhour savings) and leverage insights to enhance offerings. Monitor user-feedback & Innovation: Monitor system performance and user feedback to proactively identify areas for improvement and stay current on Salesforce platform capabilities and industry best practices in digital customer experience Education: Bachelor's in Commerce , Computer Science, Engineering , or related field, and MBA preferred Experience: MBA with 2+ years of experience in digital product management or Non-MBA with 5+ years of experience in building digital products in banking, fintech, or financial services Required skills: Strong expertise in AI, automation, Agile methodologies, and stakeholder management Preferred skills: Salesforce Administrator or related certification Work on cutting-edge AI and automation-driven digital products Be part of an innovative team transforming customer experience Competitive salary, growth opportunities, and a dynamic work environment Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. YOUR ROLE SUMMARY Your role is critical for the GHFC Business as it plays a key role in ensuring that the requisite controls exist in all the Line functions; their processes and any weaknesses are plugged from time to time. YOUR ROLE SPECIFICATIONS ▪ Handle audits for HO, Branches and other locations. ▪ Responsible for conducting audits; tracking and closing audit recommendations ▪ Preparing audit reports ▪ Documenting controls for Business Units ▪ Achieve cost reduction and audit savings ▪ Ensuring Internal Controls Over Financial Reporting (ICoFR) ▪ Carrying out Branch Audits. (Approx. 5 days travel in a month) QUALIFICATION Inter CA / CA with 4-5 years’ experience in Internal Audit, preferably in a Housing Finance Company / NBFC. SKILLS REQUIRED ▪ Ability to carry out end to end audits independently. ▪ Good inter-personal and communication skills • Knowledge of ERP – SAP, Loan Originating System / Loan Management System ▪ Well versed with RBI, NHB regulations pertaining to HFC▪ Knowledge of Accounting & Auditing Standards and basic knowledge of Laws of the Land ▪ Preferred Skills set: • Experience in Risk Assessment is preferred. • Good analytical skills for Audit reviews Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Job purpose - To be responsible for driving organization's strategy for Micro business loans for Godrej Finance. This Mumbai-based leadership role is ideal for a young, ambitious leader Job purpose - Set up and run the business of Micro BL for the region / location Defining regional / location strategy for Micro BL Business and executing of the same Planning & implementing competent region/location sales plans for BL to ensure regional level goals are overachieved. Relationship management with key stakeholders & DSA, connector partners & individuals Team management – train, lead, coach and motivate a team of Sales Managers. Ensure optimum productivity is achieved and team attrition is under control. Conflict management – mitigating issues and assessing the cost-benefit of cases Provide inputs to other parallel functions such as HR, Risk, and Operations & CC. Working with support functions for optimum TAT & service delivery Must have customer centricity and create a culture of customer satisfaction across all levels within the team Qualification & experience – MBA or any Post graduation preferred with 7-8 years of experience Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Job Purpose - The role incumbent will be responsible for driving the LAP business at Godrej Finance in the respective regions. Looking at a leader with strategic thinking and rigor to drive teams. Role - Drive the organization’s strategy for Loan against Property (LAP) product for the region. Defining regional strategy for LAP business and execution of the same - Planning & implementing competent regional sales plans for LAP to ensure regional level goals are over achieved. Identifying the channels for sourcing business leads and signing up with them Responsible for allocation of geography at team level - work closely with team members on geography mapping & review the progress at regular intervals. Relationship management with key stakeholders & DSA, connector partners & individuals Work jointly with team on sales pitches to agencies & customers Team management – train, lead, coach and motivate a team of sales managers Review team performance on regular basis and feedback to superiors Conflict management – mitigating issues and assessing the cost benefit of cases Working with support functions for optimum TAT and service delivery Provide inputs to other parallel functions such as HR, Risk, and Operations & CC. Must have customer centricity and create a culture of customer satisfaction across all levels within the team. Qualification & experience - 15 years of LAP experience with a PGDM / MBA from a good institute. Specialization in sales and marketing/ Finance Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Job Purpose - The role incumbent will be responsible for driving the LAP business at Godrej Housing Finance in the respective regions. Role - Drive the organization’s strategy for Loan against Property (LAP) product for the region. Defining regional strategy for LAP business and execution of the same - Planning & implementing competent regional sales plans for LAP to ensure regional level goals are over achieved. Identifying the channels for sourcing business leads and signing up with them Responsible for allocation of geography at team level - work closely with team members on geography mapping & review the progress at regular intervals. Relationship management with key stakeholders & DSA, connector partners & individuals Work jointly with team on sales pitches to agencies & customers Team management – train, lead, coach and motivate a team of sales managers Review team performance on regular basis and feedback to superiors Conflict management – mitigating issues and assessing the cost benefit of cases Working with support functions for optimum TAT and service delivery Provide inputs to other parallel functions such as HR, Risk, and Operations & CC. Must have customer centricity and create a culture of customer satisfaction across all levels within the team Qualification & experience - Applicant should be PGDM / MBA from a good institute. Specialisation in sales and marketing/ Finance Experience of 5 to 8 years in Sales. Experience in selling LAP products Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Area Manager LAP Sell Loan against Property (LAP) products for the organization. Plan & execute the LAP strategy for the month/ quarter to ensure regional goals are over achieved. Identifying potential channel partners based on agreed profiles. and ensure tie up is in accordance with the business plan & SOPs Control & monitor distribution network, plan sales promotion activities Handling the documentation and supporting customers with building the application files - mitigating issues Working with support functions for optimum TAT and service delivery Feed backing to customers on loan status & resolution required Must have customer centricity and create a culture of customer satisfaction across all levels within the team. Maintaining database and MIS & reporting on a regular basis. Applicant should be PGDM / MBA from a good institute. Specialisation in sales and marketing/ Finance Experience of 3 to 5 years in Sales. Age up to 30 yrs. Experience in selling LAP products Excellent communication Ability to understand business financials & assess health of cases Relationship building & networking Internal stakeholder management Good analytical skills High on integrity Proficient in MS Office – Excel, PowerPoint Field based Individual contributor role – no direct team reporting in to this role Show more Show less

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Position: Area Technical Manager. Location: Ideal Candidate: B.E. Civil/B. Arch. (Full-Time) 6-8 years of experience in fixed asset valuation (land & building) within a reputed Bank/NBFC/HFC Proficiency in the local language. Expertise and experience in the local real estate market Job Description: Compliance with Technical Process and norms for the area/branch in line with those set out as per the SOP and Process notes Periodic review and modification of technical process and procedure To ensure due diligence during approval and keep a check on frauds relating to property Ensure compliance with the norms issued by state government & other local governing authorities and update the same to the CTM and National Technical Head Tracking and monitoring of all technical OTC/PDD Empanelment, Monitoring and review performance/reports of technical agencies To recommend a list of approved, negative and caution areas Monitor and ensure the Technical TAT Timely resolution of audit and HO queries Timely gathering and updating of information on amendments that influence property marketability. Review of Quality of External Agencies on periodic basis Provide/Arrange for Technical training to branches

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Sales Manager Designation Sales Manager Location Pune, NCR Grade L1- Executive Product Prime Home Loan Function Business Job Purpose The role holder will be responsible for selling Godrej Housing Finance's loan products – home loans, loan against property and other related products. Role Meet customers on builder/ developer site locations and pitch our loan product offerings to them Conduct marketing, sales & brand building activity to attract new customers. Sanction & disbursement of files per month as per the targets assigned Carry out the pre- and post-loan activities related to the home loans, meaning acquisition of new clients and maintenance of renewal clients, financial analysis, initial risk assessment, presenting the loan applications to the Sanctioning team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality. Getting legal, credit and technical documents completed for the loan proposal and resolve customers’ queries. Inform potential clients about the requirements, T&C of the home loan product, the procedures to obtain a loan, the importance of the payments on time, the penalties system in case of not paying on time, insurance, etc. Inform the client about the Credit decision on their application Qualification & experience Graduate, MBA with 1.5 to 2 years’ experience in Sales. Background in Home Loans /mortgage / real estate Sales preferred Essential skills Excellent communication & negotiation skills. Experience in selling financial product – HL/ LAP, Insurance, is a must.

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Job purpose - The role incumbent will be responsible for driving the LAP business at Godrej Housing Finance in the respective regions. Role - Drive the organization’s strategy for Loan against Property (LAP) product for the region Defining regional strategy for LAP business and execution of the same - Planning & implementing competent regional sales plans for LAP to ensure regional level goals are over achieved Identifying the channels for sourcing business leads and signing up with them Responsible for allocation of geography at team level - work closely with team members on geography mapping & review the progress at regular intervals. Relationship management with key stakeholders & DSA, connector partners & individuals Work jointly with team on sales pitches to agencies & customers Team management – train, lead, coach and motivate a team of sales managers Review team performance on regular basis and feedback to superiors Conflict management – mitigating issues and assessing the cost-benefit of cases Working with support functions for optimum TAT and service delivery Provide inputs to other parallel functions such as HR, Risk, and Operations & CC Must have customer centricity and create a culture of customer satisfaction across all levels within the team. Qualification & experience - Applicant should be PGDM / MBA from a good institute. Specialization in sales and marketing/ Finance Experience of 5 to 8 years in Sales.

Plan & execute the BL strategy for month/quarter to ensure goals are achieved • Work with support functions for optimum TAT and service delivery. Sanction & disbursement of files per month as per targets assigned • Identify potential channel partners based on agreed profiles and ensure tie up is in accordance with the business plan & SOPs. • Control, monitor & expand distribution network, carry out marketing, sales & brand building activities to attract new customers Engage with customers & manage relationships with DSAs to pitch business loan products and build a quality portfolio for Godrej Capital Carry out pre and post loan disbursal activities

Credit Manager-Mass Market Designation: Credit Manager Grade: Senior Executive Reporting to: Area Credit Manager Location: Mumbai & Pune Function: Risk (Underwriting) Job Purpose: The role incumbent will be responsible for end-to-end credit underwriting and disbursal of mortgage loans Role: Credit assessment and underwriting of mortgage loan applications based on product and policy norms end to end from login to disbursal of loans Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials Disbursal of Mortgage Loans including all checks and verifications Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices In-person meetings and discussions with clients Responsible for maintaining the processing TAT Participate in and clear regular internal and external audits Vendor management, including quality monitoring Qualification & experience Years of experience :3 to 5 years preferred Mandatory Qualification :MBA in Finance Full time/CA Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills Ability to work in unstructured and evolving situations with an open mind Adhere to expected TAT without compromising on quality Work collaboratively with Sales and Operations team in the location to achieve strategic business goals Ability to understand customer needs and be responsive Technology skills understanding of and working with existing market technologies in the mortgage industry

Godrej Housing Finance Sales Manager Exp - 2 yrs into Home Loans Sales through DSA channel

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Role • Credit assessment and underwriting of mortgage loan applications based on product and policy norms – end to end from login to disbursal of loans • Appraising loan applications for credit worthiness ensuring adherence to KYC norms, credit bureau assessment and financials • Disbursal of Mortgage Loans including all checks and verifications • Coordination with legal, technical and processing vendors and training of vendors and vendor staff on processes and polices • In-person meetings and discussions with clients • Responsible for maintaining the processing TAT • Participate in and clear regular internal and external audits • Vendor management, including quality monitoring Qualification & experience Qualification & experience Years of experience – 3 to 5 years preferred Mandatory Qualification – MBA in Finance/CA Working knowledge of mortgage underwriting especially in the subjective underwriting phase & has worked in the same geography as role Good to have - Basic financial knowledge of P&L / Balance Sheet and financial ratios Essential skills Ability to work in unstructured and evolving situations with an open mind Adhere to expected TAT without compromising on quality Work collaboratively with Sales and Operations team in the location to achieve strategic business goals Ability to understand customer needs and be responsive Technology skills – understanding of and working with existing market technologies in the mortgage industry

Godrej Capital is a subsidiary of Godrej Industries and is the holding company for Godrej Housing finance & Godrej Finance. With a digital-first approach and a keen focus on customer-centric product innovation, Godrej Capital offers Home Loans, Loan Against Property, Property Loans, Business Loans and is positioned to diversify into other customer segments and launch new products. The company is focused on building a long-term, sustainable retail financial services business in India, anchored by Godrej Group’s 125+year legacy of trust and excellence. Godrej Capital has a special focus on learning and capability development across its employee base and is committed to diversity, equity, and inclusion as a guiding principle. The organization has been consistently recognized as a Great Place to Work™ receiving certifications in 2022 and 2023. As it stands, Godrej Capital holds a spot among India's Top 50 Best Workplaces in BFSI 2023 and is also recognized as one of India’s Great Mid-Size Workplaces 2023. Beyond that, it has also had the honor of being named the Best Organization for Women by The Economic Times in both 2022 and 2023, and the Best Workplaces for Women by Great Place to Work in 2022 and in 2023. Role • Plan & execute the BL strategy for month/quarter to ensure goals are achieved • Work with support functions for optimum TAT and service delivery. Sanction & disbursement of files per month as per targets assigned • Identify potential channel partners based on agreed profiles and ensure tie up is in accordance with the business plan & SOPs. • Control, monitor & expand distribution network, carry out marketing, sales & brand building activities to attract new customers • Engage with customers & manage relationships with DSAs to pitch business loan products and build a quality portfolio for Godrej Capital • Carry out pre and post loan disbursal activities for business loans, and work towards renewal loans Qualification & experience Qualification – MBA / PGDBM. Experience – 1 to 3 years in Sales of Business Loans Essential skills • Understanding of the product and competition practice in given space • Self-motivated and Perseverance to achieve the end objective of activity undertaken within timeline • Ability to understand business financials & assess health of cases • Relationship building & networking • Internal stakeholder management • Good analytical skills

Key Responsibilities Sell Affordable Housing products Execute AH strategy to overachieve branch goals Relationship management with DSAs, connectors, and individual leads Monitor distribution network and plan sales promotion activities Handle documentation and customer support for loan application Coordinate with support functions for TAT and service delivery Provide updates to customers on loan status Promote customer satisfaction culture Maintain databases, MIS, and regular reporting Cross-sell insurance and related products Compensation structure: Fixed salary + incentives + travel allowance About Company: With a legacy rooted in the Godrej Industries Group's 127-year-old trust, Godrej Capital is dedicated to establishing a sustainable retail financial services business in India. Integrity, transparency, and relentless customer satisfaction drive our foundation. We offer diverse financial solutions, including home loans, loans against property, and business loans. However, our vision extends beyond these, aiming to diversify into new segments and products to meet evolving customer needs. Spanning 30+ cities nationwide, we are committed to being accessible wherever needed. Godrej Capital empowers you on your financial journey, offering possibilities for greater heights. Welcome to a world of opportunities with us.

Key Responsibilities Sell Affordable Housing products Execute AH strategy to overachieve branch goals Relationship management with DSAs, connectors, and individual leads Monitor distribution network and plan sales promotion activities Handle documentation and customer support for loan application Coordinate with support functions for TAT and service delivery Provide updates to customers on loan status Promote customer satisfaction culture Maintain databases, MIS, and regular reporting Cross-sell insurance and related products Compensation structure: Fixed salary + incentives + travel allowance About Company: With a legacy rooted in the Godrej Industries Group's 127-year-old trust, Godrej Capital is dedicated to establishing a sustainable retail financial services business in India. Integrity, transparency, and relentless customer satisfaction drive our foundation. We offer diverse financial solutions, including home loans, loans against property, and business loans. However, our vision extends beyond these, aiming to diversify into new segments and products to meet evolving customer needs. Spanning 30+ cities nationwide, we are committed to being accessible wherever needed. Godrej Capital empowers you on your financial journey, offering possibilities for greater heights. Welcome to a world of opportunities with us.