To support field collection team in achieving targets by actively monitoring bucket efficiencies and recommendations for improvement based on gap analysis To generate various reports which will support in tracking field team performance Strategy making for field collections team Daily, weekly, monthly tracking of field team performance against the target Ensure proper quality controls on the set process Good Basic Excel knowledge

Summary: Primary objective is to supervise and manage Tele collections vendors & to deliver continuous results, drive improvement through initiatives, identify gaps and fix them. Job Responsibilities: Manage, monitor & motivate vendors. Manage the Collection process for assigned vendors Ensure operator are delivering individual calls target, SLA & KPI Maximize Productivity by increasing Kept/Call, RPC%, PTP%, & kept% Reviewing, Monitoring calls, Coaching and Feedback, Bottom Quartile Management, Individual Target settings, Weekly and monthly one on ones, analyzing relevant reports, making reports and reporting to management on areas of improvement. To support in recruiting, developing and supporting a team delivering front line to ensure resolution of enquiries, complaints and request for services at the earliest possible opportunity. Reviewing Attrition, Shrinkage, Roster. Delivering given targets for resolution for the buckets aligned. Basic understanding of dialer metrics/strategies. Desired Profile: 3+ years exp overall experience in tele - collections. Must have exposure to call center environment. Has knowledge about vendor management. Has knowledge about Shrinkage, Attrition, Quality, Feedback and coaching, KEPT%, KEPT/FTE Who should join: Candidates who are result oriented Who have relevant experience.

Role & responsibilities 1.Manage large amounts of inbound and outbound calls in a timely manner. 2. Follow communication scripts when handling different topics 3.Identify customers’ needs, clarify information, research every issue and provide solutions and/or alternatives. 4. Keep records of all conversations in our call center database in a comprehensible way 5. Meet personal/team qualitative and quantitative targets 5. Calling customers and convincing for personal loan Preferred candidate profile Minimum Qualification – 12th Pass Experience Required: Minimum 3 months – 1 year in Telesales/ Telecalling

Objective: To supervise and manage the Tele Collections along with field intervention for multiple agencies at zonal level. Define, monitor and ensure consistent delivery of process targets, drive process improvement initiatives. Management of overall business operations & coordinate with various departments and teams to ensure delivery of business goals. Role & responsibilities 1.Responsible for Tele Collections performance along with field intervention at zonal level managing multiple agencies 2. Implement & Monitor overall business strategy 3. Drive various process targets to achieve business goals 4. Responsible for pre-due collections and contracts till 180 DPD 5. Ensure higher resolution and lower delinquency flowing to next bucket 6. Provide feedback and recommendations to drive process improvement and cost efficiency 7. Monitor and provide recommendations for calling and dialer strategy 8. Ensure the center is appropriately rostered with shrinkage below specified threshold 9. Ensure the center is aligned to departmental culture and methodology 10. Liaison with support functions to improve team performance 11. Deliver high customer experience with minimum complaints 12. Provide timely communication regarding forecasting and planning of manpower and other infrastructure 13. Ensure learning and development, career progression, employee engagement initiatives aimed at reducing attrition 14. Align efforts to mentor and groom talent at levels below 15. Drive performance management 16. Conduct periodic performance reviews of direct reports and levels below through effective feedback Preferred candidate profile Experience in tele Collection/Recoveries Unsecured product Strong team Management Managing portfolio size of ~ 1000cr+

Job Title: Tele-Sales Specialist No. of Openings: 50 Salary Range: 20K - 23K CTC per month Location: Gurgaon ( Address: Sewa Tower, Phase-4, Maruti Udyog, Sector 18, Gurugram, Shahpur, Haryana 122022) Industry: Home Credit India Finance Pvt. Ltd. Employment Type: Full-Time/Contractual Immediate Joiners are preferred. We are hiring Tele-sales Executives to join our dynamic sales team. The ideal candidates will have Basic communication and persuasive skills to convert leads into customers over the phone. If you are self-motivated, target-driven, and eager to grow your career in sales, we want to hear from you. Key Responsibilities: Make daily calls to CLX eligible customers to convince them to apply for the product. Collect all application details from customers over phone and input them into Homer for evaluation. Notify customers of result of their application and in the case of approval, direct the customer to a CLX POS for signing. Responsible to handle inbound calls from dedicated CLX number or CLX calls transferred from general help-line. Proactively follow up with customers where necessary to persuade them to apply, collect all application details and to sign the contract at POS (the same Specialist will be guiding the same customer through the whole process). Update all information in Genesis and Homer as per the conversation with customer. Share sales techniques and knowledge with the TL and fellow specialist to drive overall performance of the team. Requirements: Minimum 6 months of tele-sales or customer service experience preferred on Dialer. Basic communication skills in English, Hindi. Persuasive and negotiation skills. Basic computer knowledge (MS Office, CRM tools). Ability to handle rejections and remain motivated. Benefits: Fixed salary between 20K - 23K CTC per month Attractive incentives and performance bonuses. Training and career development opportunities. Friendly and energetic work environment. Health Benefit and subsidized meal.

Objective The job holder is responsible for ensuring compliances with all the laws applicable to the Company, provision of legal advisory services whenever required and ensuring effective compliance, contract management, providing legal support in designing various products/ processes and resolving legal issues. Key Responsibilities Capable of handling company projects requiring legal inputs Legal Advisory, Legal Documentation, Contract Review, Drafting and Negotiation, Contract Management, Regulatory Support Due Diligence and Dealing with Government Authorities as per the Business requirement. Liaise with relevant departments to ensure non-compliance has been identified and appropriate courses of action have been taken. Review and drafting of statutory/internal policies and ensure that they are in compliance with all statutory or legal requirements. Continuously monitor compliance with statutory obligations and adherence to corporate governance standards prescribed by law/ HC Group. Manage enterprise level compliance and lead a team of experts. Advise and train all stakeholders on compliance. Coordinate with functional teams to implement compliance. Knowledge of relevant laws, rules and regulations, and policy framework on compliance. Liaise with government and regulatory agencies to implement a preventive compliance mechanism and Liaise with experts, legal counsels and consultants. Ensuring that all the requisite policies required by local law and/ or HC Group are prepared and approved/ reviewed by the appropriate authority before implementation. Negotiation and settlement with approval from concerned authorities. Appointment of advocates/ consultants as per requirements. Facilitating board/shareholder/ committee meetings and advising management on issues with legal and interpretative ramifications. Advising from legal perspective on the products of the company and the relevant product/ customer documentation To work actively with the GR function in the company for solving the potential issues/ challenges. Need to Have Areas At least 7-10 years of post qualification experience ideally in a leading organization, with a proven track record in handling compliances under different laws, legal aspects, contract review, drafting, negotiation and contract management. Knowledge of RBI regulations, listing regulations, corporate and other commercial laws. Excellent relationship management and communication skills necessary for interaction with the clients, internal departments, negotiation parties and government officials.

Role & responsibilities 1.Manage & motivate team of 200 operators & 10 TLs. 2.Manage the Collection process for assigned campaign(s)/Portfolio(s) 3.Ensure delivering individual calls target, SLA & KPI 4.Maximize Productivity by increasing Kept/Call, RPC%, PTP%, & Kept% Monitoring calls, Coaching and Feedback, Bottom Quartile Management, Individual Target settings, Weekly and monthly one on ones, Analyzing relevant reports, making reports and reporting to management on areas of improvement. 5.Conducting team meetings, pre/post/mid shifts. 6. To recruit, induct, develop and support a team delivering front line customer services to ensure resolution of enquiries, complaints and request for services at the earliest possible opportunity. Dialer Knowledge preferred. 7.To supervise the workload of the team, allocating team members to optimize service provision and administrative support across the hours of the operation of the Contact Centre. 8.Attrition, Shrinkage, roster management. 9.Managing PIP (Performance improvement Plan) of the team members Preferred candidate profile Collections, Team Management Skills, Process Management, Rostering, Attrition Management, Shrinkage Control. Multiple Language Preferred ;- English, Tamil, Kannada, Hindi

Role & responsibilities Develop and execute credit risk strategies for consumer lending products such as Consumer durables or credit cards. Define and optimize credit approval and credit limit assignment policies. Monitor and ensure adherence to vintage risk levels within the companys risk appetite. Leverage alternative data sources, including credit bureau, SDK, telecom, and geo-data, to enhance underwriting strategies. Design, implement, and refine application scorecards for effective risk assessment. Extract, analyze, and visualize data to support data-driven decision-making across the organization. Identify key risk drivers and monitor trends to mitigate potential risks proactively. Collaborate with risk systems teams to implement underwriting changes seamlessly. Prepare, document, and communicate policy updates effectively to relevant stakeholders. Required Skills & Experience: Proven experience in credit risk management within the consumer lending industry. Proficiency in SQL, Excel, and Tableau for data analysis, reporting, and visualization. Basic knowledge on Python. Experience from NBFC with Risk Analytics or Credit Risk background are preferred.

Objective: The position holder is responsible for partnering with business to drive profitability, business growth, and operational efficiencies in line with organization objectives Key Responsibilities: Partner with business units to provide financial insights Reviewing annual budget processes, incorporating business initiatives, economic trends and operational efficiency. Aligning AOP to business strategies Drive execution of AOP in close collaboration with business Work closely with business and functional heads to drive projects related to pricing optimization, cost-reduction programs, and profitability enhancement Analyze product-line, customer, and channel profitability, and identify value drivers Provide support to FP&A for providing business inputs, preparing various scenarios and presenting it to the management Support FP&A team for management reporting, variance and trend analysis Provide support to senior management on strategic decision- making activities MIS and Governance frameworks to monitor status of projects and other business initiatives

Objective: To supervise & manage the External Collections for flows and write off portfolio. Managing National teams across multiple states / locations on Zonal basis. Primarily responsible for defining overall process, strategy & targets. Ensure consistent delivery of results, drive process improvement initiatives. Management of overall business operations & coordinate with various departments and teams to ensure delivery of business goals. Role & responsibilities 1. Effective Implementation of the overall business strategy for Legal & External Collections Team. 2. Monitor & manage the Process Metrics including Strategy & Processes implementation for Risk & Collection, including Allocation, handling of flow/External portfolio, recovery on written off pool, repossession, Agency management, process management, Cost management, customer complaint etc., highlight key risks and provide inputs for Mitigation Plan to achieve overall business goals. 3. Budgeting, Strategizing, Planning & Projecting for present / new portfolio I. Targeted recoveries for covering write off pool provisions II. Strategizing and implementing new collection activities with clear vision for better results 4. Manpower management & Agencies planning I. Budgeting as per the business volume and ensure adequate staffing II. Define KPIs, mentor Managers / Assistant Managers / Cluster Managers, manage performance and conduct periodic reviews of team / agencies to share feedback and focus on performance improvement. III. Maintaining healthy span of teams by effective team planning thus ensuring maximum risk coverage of allocated pool IV. Ensuring onboarding of new agencies in various business locations based on needs of portfolio. Reviewing them on monthly / quarterly or yearly basis. V. Looking into future requirement of current portfolio or new products VI. Agency Management - Ensuring that External agencies are given adequate platform to perform in alignment to organizational goal and processes. Making sure that working of agencies are truly governed as per RBI or other govt organizations 5. Pan India Goal Management, Target management & Ensuring Employee & Agencies Performance I. Responsible for collection on portfolio of 180+ DPD pools as per targeted business goals. Making sure to undertake special risk tasks on pan India basis II. Target setting and monitoring performance through daily, weekly reviews to ensure target achievement. Maintain effective collection thru Innovative allocation and Collection model. III. Ensure effective manpower alignment to drive portfolio efficiencies in terms of ROR%, Crack%, Real time recoveries etc. IV. Maximizing returns of recoveries by effective Collections & Settlements policy with a prime purpose of minimizing the loss. V. Prioritization and allocation of contracts into external field collections team and external agencies with a core purpose to increase recovery rates% & performance base allocation 6. Cost Management & Performance I. Controlling cost of collection through innovative collection strategy of man management / agency management. II. Ensuring new Incentivization / grids with a purpose of better performance and lower cost of collections III. Managing cost of collection on national level 7. Communication & New Implementation of HQ/National projects I. Act as a two-way voice for Management & for Collection team in making II. Suggesting and Implementation of new processes on current market basis III. Being part of new IT. Implementation with a vision to make processes simpler & more security based Preferred candidate profile Expertise in supervising Field Collection team / Agencies with a capacity of about 1000 employees Overall, 10 - 12 years of experience across Collection Agencies/ Call Centre / Banking / Consumer Finance background / Internal staff model Practical experience in Collections strategy and processes Advanced knowledge of MS Office (especially Excel macros, formulas, VBA; PowerPoint, Word) Advanced financial and analytical thinking Excellent Communication and presentation skills

Design and deliver comprehensive training programs for new and existing collections staff to enhance their communication, negotiation, and recovery skills Develop training materials, manuals, scripts, and assessment tools tailored to various collection strategies and compliance requirements Monitor trainee progress through evaluations, feedback sessions, and practical assessments to ensure competence Stay updated on legal and regulatory changes in debt collection practices and ensure training content reflects compliance Collaborate with collections managers to identify skill gaps and implement targeted training solutions Maintain training records, reports, and documentation for audits and performance reviews Conduct refresher training sessions and workshops to reinforce best practices and boost collection effectiveness

1.Manage motivate team of 20 operators. 2.Manage the Collection process for assigned campagin(s) 3.Ensure operator are delivering individual calls target, SLA KPI 4.Maximize Productivity by increasing Kept/Call, RPC%,PTP%, Kept% Monitoring calls, Coaching and Feedback,Bottom Quotile Management,Individual Target settings,Weekly and monthly one on ones,Analysing relevant reports,making reports and reporting to management on areas of improvement. 5.Conducting team meetings, pre/post/mid shifts. 6.To recruit, induct, develop and support a team delivering front line customer services to ensure resolution of enquiries, complaints and request for services at the earliest possible opportunity.Dialer Knowledge preferred. 7.To supervise the workload of the team, allocating team members to optimise service provision and administrative support across the hours of the operation of the Contact Centre. 8.Attrition , Shrinkage, roster mangement. 9.Managing PIP (Performance improvement Plan) of the team members

Role & responsibilities 1. Conduct NHT & OJT Sessions 2. Create content & flyers using power point 3. Conduct huddles & refresher sessions 4. Monitor calls of trainees for performance improvement and efficacy 5. Maintain training trackers 6. Knowledge/awareness of training, mentoring methods 7. Knowledge of MS Excel and PowerPoint will be added advantage Preferred candidate profile Fresher / Experience in Trainer - Operations, Tele Sales, Collection, NOTE ; This role will be 1 year Fixed Term Contract Basis.

Summary The position is open for Asst. Manager / Cluster Manager for Delhi NCR, the candidate must have min 5-8 years of collection/ recovery experience of banking , fintech or NBFC. The person would be responsible for end-to-end collection of the assigned portfolio of cash loan and consumer durable products, managed portfolio (one or multiple dues stages) performance through a team of team leaders and vendors, along with managing relationship with all key stake holders for the region, need to ensure timely achievement of the assigned targets in a very fast paced environment by formulating and executing collection strategy. Role & responsibilities 1. Location management & Must be Target oriented & set high benchmarks. 2. To Manage In-house Team Leaders, followed by vendor management at location level .3. Control portfolio in terms of Physical collections & CRR indicators in External domain. 4. Reports Management which will support in tracking field team performance. 5. Departmental liaising to improve team performance. 6. Managing the allocation strategy, capacity planning, Span of control & training in- house staff about product & services 7. To manage Audit and Quality parameters at vendor management level 8. Must be good in planning, Operational challenges & problem solving. 9. Analyze team performance and provide corrective action for improvement. 10. Ensure proper quality controls on the set process 11. Customer escalation and complaints management in coordination with other departments. 12. Training and development for team Motivation Qualifications; Any Graduation / Post graduation. Graduate, with minimum 5-10 years of collections experience. Candidate should have Large field team handling experience(TLs/AMs/Managers) Computer literacy: internet, email, MS Excel, MS PowerPoint & Presentation savy Should be able to coordinate with other department efficiently to resolve queries. Drive Team for Higher productivity Must be good in Planning and execution and able to manage large volumes Excellent Communication and presentation skills Supervisory skills: ability to coach, mentor and inspire Result orientation: ability to set and review targets Open to travel for official purpose.

To do the minimum number of audits on a daily, weekly & monthly basis as per the agreed target/categorization. To close the feedback within the TAT To Login and take calls to have a first-hand experience of how the customer behaves. To publish the reports on a timely basis and as per the agreed TAT To participate in calibration & ensure that the variance remains under control within the limit. To take briefings regularly based on audit findings. To take extra initiatives for process improvement.

HOME CREDIT INDIA FINANCE PRIVATE LIMITED is looking for Representative to join our dynamic team and embark on a rewarding career journey. Data Entry and Management: Accurate and timely data entry into computer systems or databases. This may involve inputting customer information, financial data, inventory details, or any other relevant information. Documentation and Record-Keeping: Maintaining and organizing records, files, and documents in both physical and digital formats. This could include invoices, purchase orders, contracts, and other important paperwork. Process Support: Assisting in the implementation and execution of various operational processes. This might involve coordinating with other departments, gathering information, and following up on tasks. Report Generation: Preparing reports, charts, and graphs based on the data collected and organized. These reports may be used by management to make informed decisions or for compliance purposes. Communication: Handling internal and external communications, such as responding to emails, phone calls, and inquiries from clients, vendors, or other team members. Inventory Management: Monitoring and updating inventory levels, ensuring stock availability, and coordinating with relevant teams for replenishment. Quality Control: Conducting quality checks on data and reports to ensure accuracy and identifying and rectifying errors if found. Customer Support: Assisting with customer inquiries, requests, and complaints, ensuring a high level of customer satisfaction. Financial Tasks: Assisting with financial tasks such as processing payments, tracking expenses, and managing accounts payable and receivable. Administrative Support: Providing general administrative support to the organization, including scheduling appointments, managing calendars, and coordinating meetings.

Responsible for taking call in Inbound Partners helpline, dialing outbound call to customer and partners, WhatsApp chat and email. Flexible in shift timing Should be able to handle customers and partners effectively Should possess effective selling skills Should have good typing speed in desktop/laptop Should have good communication skills in Hindi and English language Responsible for taking call in Inbound Partners helpline, dialing outbound call to customer and partners, WhatsApp chat and email. Flexible in shift timing Should be able to handle customers and partners effectively Should possess effective selling skills Should have good typing speed in desktop/laptop Should have good communication skills in Hindi and English language

He should have a knowledge to drive numbers and productivity of the portfolio , He should have experience to make reports for day to day activities He should be responsible for the Agency Audits , Proper dexterity with Quality team to under stand their identified errors of External vendors towards Audit perspective

ADYAR /BESANTNAGAR/GREAMS ROAD/INDIAN INSTITUTE OF TECHNOLOGY / MANGADU / NANGANALLUR / PALLIKARANAI /RAJ BHAVAN / TEYNAMPET / THURAIPAKKAM / TIDEL PARK / VELECHERY / YASODHA NAGAR 1. FE has handle the two portfolio Monthly Allocation as well as daily allocation and Minimum 15 customers visits to be done per day 2. For MA Cases - FE needs to visit as per the plan shared by Backend team (in MUCH application). 3. For DA Cases- FE need to visit according to time slot and All visit Feedback has to be updated (in MUCH application). 4. FE has to update details remarks in the visit log (in MUCH application). 5. FE has to upload House Photos of the visited cases (on MUCH). 6. FE Should ensure 50% minimum conversion on DA allocation on daily basis and for MA allocation, minimum 47% resolution should be achieved and as per the business requirement target can increase or decrease. 7. FE Should follow the E- receipt process. If any manual receipts are issued, those need to be submitted with-in 7 days to their respective supervisor. 8. FE has to deposit daily for the previous days collection by 12 PM next day and should share screenshots of the deposit slip to his respective supervisors. 9. He has to follow company process in terms of customer handling etiquettes and dress code while he is on field along with maintaining the Code of conducts and integrity as per company norms. 10. Manual receipt books ops copy to be submit to quality team within 7 days of issuance to customer.

KONDAPALLI / IBRAHIMPATNAM / G . KONDURU / GOLLAPUDI / GUNTUPALLLI (MA) 1. FE has handle the two portfolio Monthly Allocation as well as daily allocation and Minimum 15 customers visits to be done per day 2. For MA Cases - FE needs to visit as per the plan shared by Backend team (in MUCH application). 3. For DA Cases- FE need to visit according to time slot and All visit Feedback has to be updated (in MUCH application). 4. FE has to update details remarks in the visit log (in MUCH application). 5. FE has to upload House Photos of the visited cases (on MUCH). 6. FE Should ensure 50% minimum conversion on DA allocation on daily basis and for MA allocation, minimum 47% resolution should be achieved and as per the business requirement target can increase or decrease. 7. FE Should follow the E- receipt process. If any manual receipts are issued, those need to be submitted with-in 7 days to their respective supervisor. 8. FE has to deposit daily for the previous days collection by 12 PM next day and should share screenshots of the deposit slip to his respective supervisors. 9. He has to follow company process in terms of customer handling etiquettes and dress code while he is on field along with maintaining the Code of conducts and integrity as per company norms. 10. Manual receipt books ops copy to be submit to quality team within 7 days of issuance to customer.