Credit Manager - Guntur Guntur, Andhra Pradesh, India Department Credit Job posted on Dec 27, 2023 Employee Type Employee Experience range (Years) 3 years - 8 years Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying borrowers' track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position Understanding the customers requirements and ensuring quick service delivery Set up audit framework. Carry out audits and get closure on items Basic Analytics and MIS reporting to various stakeholders. Monitor and enforce approval rate and TAT as per prescribed standards. Vendor Management. Candidate Requirements: CA/MBA Finance Minimum 5 years of experience in SME Credit Knowledge of the local geography and industry Willing to travel frequently for customer visits

Area Business Manager - Eluru Eluru, Eluru, Andhra Pradesh, India Department Sales Job posted on Dec 27, 2023 Employee Type Employee Experience range (Years) 5 years - 10 years Managing Sales of Loan Against Property & Business Loans for the assigned region. Lead a team of Relationship Managers to generate business through Direct sourcing. Building the Sales and distribution network in the assigned territory. Recruit, train and monitor team members & ensuring quality service delivery. Managing loan process from lead generation till disbursement of loan. Ensure synergy between sales, credit and operation to ensure efficiency of business processes

Relationship Manager - Srungavarapukota S Kota, Srungavarapukota, Andhra Pradesh, India Department Sales Job posted on Dec 27, 2023 Employment type Employee Generate leads through Direct sourcing for the Loan Against Property and Business Loans. Achieve assigned business targets and create relationships on ground to ensure steady inflow. Report to the Area Business Manager and manage all customer acquisition for the territory assigned. Responsible for completing application and supporting documentations Assess local market and identify current and prospective opportunities. Adhering to highest ethical standards and comply with applicable regulations. Candidate Requirement MBA/Graduate with atleast 1 years experience in sales Experience in Direct Sourcing will be preferred. Result oriented with a passion for achieving stretch targets

Credit Manager - Tuni Anakapalle, Tuni, Andhra Pradesh, India Department Credit Job posted on Dec 27, 2023 Employee Type Employee Experience range (Years) 4 years - 8 years Evaluating credit proposals covering financial, business and industrial risk & decisioning of the loan. Verifying borrowers' track record & ascertaining their credit worthiness. Analysis of the financial statements of the prospective customer to identify the short term & long term solvency & liquidity position Understanding the customers requirements and ensuring quick service delivery Set up audit framework. Carry out audits and get closure on items Basic Analytics and MIS reporting to various stakeholders. Monitor and enforce approval rate and TAT as per prescribed standards. Vendor Management. Candidate Requirements: CA/MBA Finance Minimum 5 years of experience in SME Credit Knowledge of the local geography and industry Willing to travel frequently for customer visits

Credit Manager - Anakapalle Anakapalle, Andhra Pradesh, India Department Credit Job posted on Dec 27, 2023 Employee Type Employee Experience range (Years) 4 years - 7 years Provide objectivity to the Credit approval process Underwrites new transactions and document renewals, modifications and covenant violations Review commitment letters; reviews and approve annual reviews and tenant underwriting for report to loan committee Ensure adherence to Credit policy, guidelines and regulatory requirements Assists loan document negotiations Support the growth and development of the assigned commercial lending loan portfolio by effectively managing client portfolios. Provide ongoing coaching and support for credit analysts Effectively monitor portfolio for revenue opportunities and/or loan exposures Responsible for credit analysis, proper loan structuring and overall sales efforts in area Assist in the sales proposal process, including accompanying the lenders on customer and prospect calls and various other sales/customer oriented projects Establish and maintain relationships with current and prospective clients. Leverage customer knowledge to proactively identify and recommend opportunities to cross-sell additional loan and non-credit products to clients Manage loans through the lending process and present loan requests and renewals to Senior Management and Loan Committee Complete all requirements of loan bookings, to include preparation, review, documentation and filing Work with clients to modify and/or restructure existing loans as needed Underwrite new loans, renewals, extensions and modifications Help resolve credit problems, delinquent payment issues, and other related affairs

Relationship Manager - Kakinada Kakinada, Kakinada, Andhra Pradesh, India Department Sales Job posted on Dec 27, 2023 Employee Type Employee Experience range (Years) 1 year - 5 years Generate leads through Direct sourcing for the Loan Against Property and Business Loans. Achieve assigned business targets and create relationships on ground to ensure steady inflow. Report to the Area Business Manager and manage all customer acquisition for the territory assigned. Responsible for completing application and supporting documentations Assess local market and identify current and prospective opportunities. Adhering to highest ethical standards and comply with applicable regulations. Candidate Requirement MBA/Graduate with atleast 1 years experience in sales Experience in Direct Sourcing will be preferred. Result oriented with a passion for achieving stretch targets

Identifying, recommending, and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verification of loan documents, both pre and post-disbursement, as well as sample verification, by third-party agencies/vendors. Monitoring the cost of vendors on a month-to-month basis to ensure optimal resource allocation. Collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. Conducting field visits as required to ensure compliance and address potential risks. Managing agencies and ensuring adherence to Turnaround Time (TAT) requirements. Providing comprehensive fraud risk training to subordinates to enhance awareness and vigilance. Overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines.

Identifying, recommending, and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verification of loan documents, both pre and post-disbursement, as well as sample verification, by third-party agencies/vendors. Monitoring the cost of vendors on a month-to-month basis to ensure optimal resource allocation. Collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. Conducting field visits as required to ensure compliance and address potential risks. Managing agencies and ensuring adherence to Turnaround Time (TAT) requirements. Providing comprehensive fraud risk training to subordinates to enhance awareness and vigilance. Overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines.

Identifying, recommending, and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verification of loan documents, both pre and post-disbursement, as well as sample verification, by third-party agencies/vendors. Monitoring the cost of vendors on a month-to-month basis to ensure optimal resource allocation. Collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. Conducting field visits as required to ensure compliance and address potential risks. Managing agencies and ensuring adherence to Turnaround Time (TAT) requirements. Providing comprehensive fraud risk training to subordinates to enhance awareness and vigilance. Overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines.

Oversee the underwriting of the loans in the designated region. Lead a team of Credit Managers at a Cluster Level. Review the underwriting process and define process as per available resources and branch requirements. Credit decision for secured on organisation policies, processes and merits as per limits. Evolve underwriting norms customized to the local market needs and update the credit bulletins. Identify fraudulent practices and mitigate risk through changes in policy and process. Formulate and manage the technical evaluation process and policies in the region. Formulate and manage the legal evaluation process in the region. Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation. Co-ordinate with the recoveries team and generate business insights to mitigate risk Resource planning and management at hub for smooth running of operations. Set exposure limits and maintain total sanctioned amount in the region for customer segments and geographical areas.

Identifying, recommending, and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verification of loan documents, both pre and post-disbursement, as well as sample verification, by third-party agencies/vendors. Monitoring the cost of vendors on a month-to-month basis to ensure optimal resource allocation. Collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. Conducting field visits as required to ensure compliance and address potential risks. Managing agencies and ensuring adherence to Turnaround Time (TAT) requirements. Providing comprehensive fraud risk training to subordinates to enhance awareness and vigilance. Overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines.

Roles & Responsibilities : Supervising screening/sampling activities of respective region. Monitoring TAT and Quality of Vendor Checks. Maintaining and coordinating with internal department for any process improvement in respective region. Sharing market triggers with our internal business teams. Responsible for tracking of frauds cases identified in branches and conducting investigations. Regular branch and vendor visits in respective regions. To attend task force meeting organize by peers of financial institutions/banks. To investigate and publish the complete report with the help of Zonal Manager. Education and Desired Experience : B.Com or any PG degree with a minimum of 10 years of experience in RCU/FCU/Investigations. Should have a substantial stint in the NBFC industry specifically catering to the MSME business vertical Demonstrates strong communication and influencing skills and develops ongoing relationships with internal and external stakeholder

Manage Secured Business Loans for the given branch location Guide & facilitate Relationship Managers to formulate and drive plans for their respective branch. Ensure Overall revenue targets are met for the Branch on a monthly basis. Ensure overall revenue targets are reached as per the approved matrix for the branch from all revenue sources (processing fees, cross sell, yield etc.) Ensure the profitability targets to be met for all the product in assigned branch. Initiate the branch network expansion through network planning ,identifying potential market. Formulate the sales, distribution and disbursement strategy for the branch. Ensure review of all cases in assigned branch to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.

Oversee the underwriting of the loans in the designated region. Lead a team of Credit Managers at a Cluster Level. Review the underwriting process and define process as per available resources and branch requirements. Credit decision for secured on organisation policies, processes and merits as per limits. Evolve underwriting norms customized to the local market needs and update the credit bulletins. Identify fraudulent practices and mitigate risk through changes in policy and process. Formulate and manage the technical evaluation process and policies in the region. Formulate and manage the legal evaluation process in the region. Appoint and manage external agents for verification process: Fraud investigation, Legal verification and technical evaluation. Co-ordinate with the recoveries team and generate business insights to mitigate risk Resource planning and management at hub for smooth running of operations. Set exposure limits and maintain total sanctioned amount in the region for customer segments and geographical areas. Show more Show less

Manage Secured Business Loans for the given branch location Guide & facilitate Relationship Managers to formulate and drive plans for their respective branch. Ensure Overall revenue targets are met for the Branch on a monthly basis. Ensure overall revenue targets are reached as per the approved matrix for the branch from all revenue sources (processing fees, cross sell, yield etc.) Ensure the profitability targets to be met for all the product in assigned branch. Initiate the branch network expansion through network planning ,identifying potential market. Formulate the sales, distribution and disbursement strategy for the branch. Ensure review of all cases in assigned branch to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing. Show more Show less

Identifying, recommending, and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verification of loan documents, both pre and post-disbursement, as well as sample verification, by third-party agencies/vendors. Monitoring the cost of vendors on a month-to-month basis to ensure optimal resource allocation. Collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. Conducting field visits as required to ensure compliance and address potential risks. Managing agencies and ensuring adherence to Turnaround Time (TAT) requirements. Providing comprehensive fraud risk training to subordinates to enhance awareness and vigilance. Overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines.

Role & responsibilities Identify, recommending and empaneling efficient third-party agencies with relevant expertise to handle fraud detection and investigations. Closely monitoring the verifications of loan documents both pre and post-disbursement, as well as sample verification, by third party agencies/vendors. Monitoring the cost of vendors on month-to-month basis to ensure optimal resource allocation. Conducting field visit as required to ensure compliance and address potential risks. collaborating closely with internal teams and external regulatory bodies to execute appropriate actions against fraudulent individuals and bring cases to conclusion. providing comprehensive fraud risk training to sub-ordinates to enhance awareness and vigilance. overseeing the execution of mystery shopping and seeding activities in accordance with internal guidelines. Preferred candidate profile 5 to 10 years in risk Management. Minimum Degree graduation. should have a substantial stint in the NBFC industry specifically catering to the MSME business vertical. Contact Details : Surendar S /surendar.pandian@hfs.in (8667566427)

Role & responsibilities: Manage Secured Business Loans/LAP for given cluster by leading the Area Business Manager, Branch Sales Managers. To provide guidance and facilitation to the team to formulate and drive plans for their respective locations. Ensure that overall revenue targets for the cluster are met every month. Ensure that overall revenue targets are achieved as per approved matrix for the area from all revenue sources (processing fees, cross-selling etc.). Ensure profitability targets are met for all products in the assigned area. Ensure branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per the branch score card. By identifying the potential market, initiate branch network expansion through network planning. Develop new strategies to scan the market for potential new avenues and generate revenue from untapped markets; Launch new products to generate new business after consultation with respective business heads. Develop sales, distribution and disbursement strategy for the region. Ensure review of all cases in assigned area to understand customer profile and conduct Sales Personal Discussion (PD) to ensure correct sourcing. Follow and guide the team on required compliance and regulatory requirements. Preferred candidate profile: 10+ years of experience in Secured Business Loans/LAP. Preference will be given to local candidates with local geography knowledge.

Role & responsibilities: Manage Secured Business Loans/LAP for given cluster by leading the Area Business Manager, Branch Sales Managers. To provide guidance and facilitation to the team to formulate and drive plans for their respective locations. Ensure that overall revenue targets for the cluster are met every month. Ensure that overall revenue targets are achieved as per approved matrix for the area from all revenue sources (processing fees, cross-selling etc.). Ensure profitability targets are met for all products in the assigned area. Ensure branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per the branch score card. By identifying the potential market, initiate branch network expansion through network planning. Develop new strategies to scan the market for potential new avenues and generate revenue from untapped markets; Launch new products to generate new business after consultation with respective business heads. Develop sales, distribution and disbursement strategy for the region. Ensure review of all cases in assigned area to understand customer profile and conduct Sales Personal Discussion (PD) to ensure correct sourcing. Follow and guide the team on required compliance and regulatory requirements. Preferred candidate profile: 10+ years of experience in Secured Business Loans/LAP. Preference will be given to local candidates with local geography knowledge.

Role & responsibilities Manage Secured Business Loans for the designated state. Guide & facilitate Cluster and Area Managers to formulate and drive plans for their respective state. Ensure overall revenue targets are met for the state on a monthly basis. Ensure overall revenue targets are reached as per the approved matrix for the state from all revenue sources (processing fees, cross sell, yield etc.) Ensure the profitability targets to be met for all the product in assigned state. Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card. Initiate the branch network expansion through network planning, identifying potential market. Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads. Formulate the sales, distribution and disbursement strategy for the state. Ensure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.