📢 We're Hiring! | Junior HR – Night Shift (Work From Office – Gandhinagar) Company: GrowQ Private Limited 🌐 www.growq.com 📍 Location: Gandhinagar, Gujarat 🕐 Shift: Night Shift (Work from Office) 💰 Salary: Up to ₹30,000 In-Hand Are you looking to kick-start your career in HR with real-time experience in a fast-paced, dynamic environment? GrowQ Private Limited is looking for a Junior HR professional who is eager to learn, grow, and build a strong HR profile from the ground up! What You’ll Be Doing: Assist in end-to-end recruitment : sourcing, screening, scheduling interviews Support onboarding and exit formalities for employees Maintain and update employee records and documentation Coordinate with internal teams to ensure smooth HR operations Be a part of employee engagement and communication initiatives Contribute to policy compliance and administrative tasks Who You Are: A graduate (preferably in HR/Management or related field) Excellent communication and coordination skills Eager to work in a night shift and learn all facets of HR Self-driven, organized, and a team player 1 to 3 year of experience – both are welcome! Why Join Us? You won’t just be joining an HR team—you’ll be working directly with the core HR leadership and building your profile through real exposure to people management, strategy, and operations in one of the most people-driven functions of any organization. Show more Show less

Total Experience Required: Minimum 3 years Salary Range: Competitive; can be finalized based on the candidate's last CTC Work Setup: Work from office for the initial 3 months, followed by WFH Expected Timeline for Closure: Within 15 days We are looking for candidates who will be responsible for handling Secondary Marketing Lock Desk functions for Residential Lending including loan rate locks, rate lock extensions, post close, and shipping. You will learn & work in client specific projects and deliver high-quality work under minimum supervision. You will be expected to acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all laws, rules and regulations that are applicable to your conduct and the work you will be performing. The ideal candidate must be a quick learner and multitasker. Roles & Responsibilities– · Process residential loan rate locks, rate lock extensions, post close, and shipping. · Verify mortgage loan pricing and ensure that all loans follow Rate Lock procedures. · Commit loans to investors utilizing online systems. · Assists Production staff on loan pricing scenarios or other applicable questions. · Provides loan pricing support for the Production staff. · Troubleshoot pricing discrepancies and take steps to resolve any issues. Requirements & Skills – • Strong knowledge of mortgage pricing and secondary marketing concepts preferred. • Good understanding of mortgage products and product guidelines preferred. • Ability to work in a fast-paced environment. • Ability to work well in a team environment as well as independently. • Strong attention to detail. • Ability to handle workload pressure and meet deadlines. • Ability to interact with outside customers when needed. • Good problem-solving ability required. • Ability to work with large data sets required. • Ability to identify and troubleshoot data and loan pricing discrepancies. • Basic knowledge of Microsoft Office, including Excel. • Ability to learn and utilize banking and mortgage software. • Excellent communication skills, both verbal and written. • Strong commitment to customer service and quality. • Must be able to work in Night Shift. Show more Show less

International Business (Exim) Manager Salary: As per Market Standards About the job Job Summary: We are seeking a highly ambitious and results-oriented International Business Development Executive to drive our strategic expansion into key global markets. This is a challenging, high-stakes role for a seasoned professional capable of navigating the complexities of international trade within the FMCG/Consumable Goods export landscape. The ideal candidate possesses exceptional communication acumen, particularly outstanding telephone etiquette, and thrives in a demanding environment. You will be instrumental in forging relationships and securing business across the Middle East, Europe, and North America (PST zone), requiring flexibility to operate effectively during afternoon and evening shifts (IST). This position demands strategic thinking, resilience, and the ability to execute flawlessly against company objectives. Key Responsibilities: Strategic Client Engagement: Proactively identify, engage, and cultivate relationships with prospective international buyers, primarily across the Middle East, Europe, and the USA (PST time zone). This requires operating during afternoon/evening shifts (IST) to ensure optimal communication windows. Expert Communication: Serve as a primary point of contact, demonstrating exceptional verbal communication skills and impeccable telephone etiquette. Craft compelling, culturally sensitive, and professional written correspondence (emails, proposals) tailored to specific international markets. Negotiation & Deal Closure: Lead complex negotiations on terms, pricing, and logistics, demonstrating strong commercial acumen to secure profitable and sustainable business deals. Market Strategy Execution: Implement and contribute to the company's international market penetration and expansion strategies, conducting thorough market research to identify new opportunities and potential clients. Relationship Management: Build and maintain robust, long-term relationships with existing international clients while actively expanding the company's global network. Project Coordination: Oversee and execute international marketing and business development initiatives, ensuring alignment with strategic goals and timely project completion. Internal Collaboration: Liaise effectively with internal departments (e.g., Logistics, Production, Marketing) to ensure seamless export operations and fulfillment of client requirements. Reporting & Analysis: Prepare comprehensive monthly MIS reports detailing international business activities, market trends, and performance against targets. Key Requirements & Qualifications: Experience: 3-4 years of proven success in international business development, export sales, or international marketing, specifically within the FMCG, Consumable Goods, or related export-oriented industries. Communication Prowess: Outstanding verbal and written English communication skills are paramount. Must possess exceptional telephone etiquette, active listening skills, and the ability to articulate value propositions clearly and persuasively across diverse cultures. Shift Flexibility: Mandatory: Ability and commitment to work consistently during afternoon/evening shifts (aligned with Middle Eastern, European, and US PST business hours) is essential for this role. Negotiation Acumen: Demonstrated ability to negotiate effectively and close international sales agreements. Must be assertive yet professional. International Exposure: Proven experience in managing relationships with international clients and navigating the nuances of global business practices and time zones. Strategic Alignment: Capacity to understand, internalize, and execute business development activities in line with the company's overarching strategic goals. Resilience & Drive: A highly motivated, self-starting individual who thrives under pressure, embraces challenges, and is relentlessly focused on achieving targets. Education: Bachelor's degree in Business Administration, International Business, Marketing, or a related field is preferred. Technical Skills: Proficiency in MS Office Suite and experience with CRM software is advantageous. What We Offer: A pivotal and challenging role with direct impact on the company's international growth trajectory. Opportunity to shape strategy and build business in key global markets. A dynamic work environment that rewards performance and initiative. Competitive salary commensurate with experience and market standards. Industry: FMCG / Consumable Goods / Export Employment Type: Full-Time

EXPERIENCE AND KNOWLEDGE • Experience of more than 3 to 5 Years in US Mortgage Industry and minimum 2 years in core Underwriting. • Well versed with all 4 Cs of Underwriting • Knowledge of Non-Agency/Non-QM (Jumbo loans) underwriting guidelines demonstrated through a minimum of 1+ years’ experience of Manual underwriting. • Knowledge of major Non-QM lenders’ guidelines such as Chase, Wells Fargo, US Bank etc. • Knowledge of Bank statement only programs, asset-based income programs is added advantage. • In depth knowledge of Agency guidelines for Conventional loans (FNMA & FHLMC), FHA, VA, USDA etc will added advantage. • Detailed understanding of Mortgage documents including Income, Credit, Asset, Appraisal, other underwriting and compliance documents. • Knowledge of income, LTV and DTI ratios calculation. • Knowledge of multiple mortgage processing software like Encompass. Empower etc. will be added benefit. • Excellent written and oral communication skills in addition to interpersonal skills. • Strong problem-solving and analytical skills. • Ability to work independently, with minimal supervision. • Good working knowledge of MS Outlook and Office application. • Ability to research and provide accurate resolution to queries and escalations. DUTIES AND RESPONSIBILITIES  • Live/Post Close Manual Underwriting/QC of loan files as per Fannie Mae, Freddie Mac, Client/Investor (Chase, Wells Fargo, US Bank etc.) guidelines as required. • Reviewing the Borrower profile including Credit, Income, Assets, Collateral, Compliance and other Lending risks such as interested party involvements as per agency/investor guidelines. • Reviewing loan files thoroughly to assess the risks associated with loans and providing approval/denial basis on the information provided. • Reviewing all types of incomes (salaries, rental and self-employed) documents to determine the appropriate and reliable amount of income to be used for qualifying the borrowers. • Assessing borrowers’ creditworthiness by reviewing their Credit Reports and by other credit documents. • Determining the acceptability of subject property as per required guidelines by reviewing Title and Appraisal Report. • Reviewing Asset documents to verify borrower’s net worth and liquidity for cash to close and reserve requirements. • Reviewing all other documents related to underwriting, identifying red flags for the compliance to State and Federal laws. • Identifying the derogatory events/accounts associated with borrowers to comply with the waiting period requirements. • Providing recommendation based on the loan review such as Approved, Suspend and Denied/Ineligible etc. • Maintain the reports as required by the process and management. • Providing training and assistance to junior team members. Educational Qualification Graduate in any Stream.

Experience and Knowledge 1. Minimum 3 years’ experience in US Residential Mortgage. 2. Understanding of complete Mortgage life cycle. 3. Good knowledge of mortgage closing specific documents. 4. Thorough understanding of Initial and Final Closing Disclosure review and creation. 5. Knowledge of fee tolerances from Loan Estimate to Closing Disclosure. 6. Knowledge of multiple mortgage processing software like Encompass, Calyx Point, empower etc. will be an added benefit. 7. Good written and oral communication skills in addition to interpersonal skills. 8. Detail-oriented with strong analytical skills. 9. Ability to make sound decisions based on information provided. 10. Proficiency in Microsoft Outlook & Office. Duties and Responsibilities 11. Complete an accurate and compliant Closing Disclosure to be provided to the borrower within the TRID requirements. 12. Monitor the borrower’s receipt of the Closing Disclosure. 13. Maintain effective communication with all necessary parties involved in closing a transaction to ensure a seamless closing experience, starting with CD preparation to issuing Final Closing documents. 14. Ensure accuracy of documents sent to closing, including but not limited to borrower names, rate, term, and loan type, first payment date and escrow information. 15. Work with various internal departments as well as external organizations to obtain closing related documentation or obtain necessary information needed to complete a closing (i.e., payoffs, subordination’s, releases, tax, title, homeowners/flood information). 16. Coordinate funding dates with accounting to ensure accuracy of loan disbursements. 17. Ensure fees for lender and title companies are within TILA/RESPA guidelines. 18. Coordinate closing packages with title companies in a timely manner. 19. Verify that the loan closes within specified locks with investors. 20. Analysing and interpreting compliance reports (MAVENT etc). 21. Follow up on rate lock expirations and document expirations. 22. Keeping an eye on cure amounts while preparing CD. 23. Verification of PITI, APR with UW conditions. 24. Should know Funding Review worksheet and communicate to all parties in real tie Education and Qualifications 24. Graduate/Postgraduate in any Stream