4896 Home Loans Jobs - Page 28

Roles && Responsibilities: Effectively manage the team of cluster heads for business growth and above 99.8% collections across products Business growth in both HL && LAP loan product with equal focus on yield Focusing on products and branches which are lagging and help bringing them up Business planning and sharp execution on ground as expected by organization Effectively strategize and plan for each product and branch as per their performance on business and collections Controlling attrition and ensuring people development Focus on market penetration of our products Ensure increase in market share

You will be responsible for managing Credit-Operations activities for retail mortgage loans, including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. As a Credit-Operations Manager, your primary role will involve ensuring 100% process adherence, quality checks in line with credit policy, and compliance. You will act as a bridge between Credit and Operations teams to guarantee seamless loan processing. Your core responsibilities will include overseeing End-to-End Credit & Operations with a deep understanding of credit policy and processes. You will supervise and manage the login of loan applications, ensuring all required documents are in place as per policy guidelines, including KYC. Additionally, you will be responsible for ensuring gating rejections align with credit policy, monitoring login quality, and initiating internal reports and checks as mandated by the credit policy. Furthermore, you will oversee the preparation of Credit Appraisal Memos (CAM), ensuring completeness and accuracy before submission to credit approvers. You will conduct a final review of loan files before disbursement to ensure all documents are in place and compliant with internal and regulatory guidelines. It will be crucial to maintain 100% adherence to policies and SOPs across all credit-operations processes, identify and rectify process gaps, and manage queries from the Hind-Sighting Team and Internal Audit. You will work on Loan Origination System (LOS) and Finnone for loan processing, with familiarity in SFDC (Salesforce) and MS-Excel being an added advantage for tracking and reporting purposes. Supporting digital initiatives to streamline credit-operations processes and improve efficiency will also be part of your responsibilities. Managing a team of Credit Processing Associates (CPAs) across branches in the assigned region, providing regular training, conducting performance reviews, and ensuring team adherence to KPIs will be essential. Key Performance Indicators (KPIs) for this role include ensuring minimal errors in loan files (First Time Right), efficient loan processing turnaround time, strict compliance adherence, identifying and implementing improvements in workflows, driving E-NACH penetration for improved operational efficiency, and timely handling of property papers and PF/Balance PF Cheques. You will also be responsible for holding regular meetings with the business team, conducting training sessions for improvement, collaborating with internal partners for technological solutions, and managing critical projects for technology enablement. Qualifications required for this position include a Graduate degree (Preferred: Finance, Business Administration, Commerce, or related field) and a Masters/Postgraduate degree. CA/MBA (Finance) or an equivalent qualification would be advantageous.,

Job Title: Relationship Manager- Home Loans Vacancy Location: Tamil Nadu all Districts CHENNAI & CHENGALPATTU Reporting to: Branch Manager Department: Sales Grade: Sales Officer & Relationship Manager Age Group: 22 Years to 30 years CTC Range: 2.8 LPA to 3.5 LPA (Fixed Pay)|INR 15000 monthly incentives on achievement of minimal disbursement targetsRole & responsibilities bharathi.k@randstad.in Contact HR - Bharathi Raja - 9597742089 (CALL ME) (Forword to your Friends) Key Responsibilities: 1. Sales and Business Development: Achieve home loan disbursement goals by executing a business plan that includes prospecting, networking, and field based marketing activities. 2. Product Promotion: Present and promote Home Loans to prospective clients both physically and digitally through social media channels. 3. Customer Relationship Management: Ensure proper customer profiling on each call/prospective customer visit, to identify and understand his/her needs and accordingly recommend the loan products. Build and maintain relationships with customers to not only generate references but also to ensure timely servicing of the loan. 4. Team Collaboration: Work in sync with the credit team to ensure timely disbursement of loans by coordinating with loan applicants to provide all the documents required for loan assessment and disbursement. 5. Market Awareness: Maintain knowledge of current industry trends, products, services, and underwriting guidelines. 6. Field Activities: Perform other field-based activities and marketing initiatives for the generation of home loan leads as instructed by the branch manager. 7. Customer Lifecycle Management: Be responsible for the complete lifecycle of a home loan, right from the application, coordination required for processing the application, to the end of the lifecycle of the customer in the organisation. Contact HR - Bharathi Raja - 9597742089 (CALL ME) (Forword to your Friends)

To drive sales and ensure business targets are achieved o Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships.o Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referralso Maximize sales through a network and relationships to ensure strong businesso Develop and maintain strong liaisons with the clients for repeat business or referrals. o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion.o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the areao Align with the team on ground lead generation activities for Sales. o Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategieso Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategieso Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market.o Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Post Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

Position : Sales officer/ Relationship Officer Products : Home Loan, Lap(Open market) Experience : Min 1 Year of experience in Home Loan and Lap Ctc : Max 3.5LPa Age : 32 Years Locations : Bharuch, Vapi, Vadodara, chhatral, Halol, Vijapur, Jamnagar , Bhuj, Junagadh , Mandvi , Rajkot Contact : 8788586682

Core Responsibilities: Branch Process Management Execute the defined strategy to achieve the defined performance of the branch. Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies Expand and retain the company's base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects. Build and develop a defined source mix comprising of direct and indirect sourcing channels. Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers. Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service. Manage post-sales customer/channel partner escalation. Co-ordinate and supervise all key departments internally and strategies the road map for lending products. Managingbranchoperatingcostsincludingcostofacquisition,expensesandoperations. Closely monitors the quality of book ensuring minimum delinquency at the branch level. To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team. Team Management Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area Collaborate effectively with departments including Channel partners. Lead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition. Responsibleforthe overalladministrative functioningofthebranch. Ensure active distribution span of control is maintained at the branch level as per norms. Industry & Governance Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention. Ensure a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / NHB regulations as well as policies and procedures of the company. Graduate : Yes Desired Experience: Minimum 4 - 6 years in the field. Location - mumbai,delhi,pune,bangalore,hyderabad,chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

We are looking for a highly skilled and experienced Area Credit Manager to join our team at TATA CAPITAL LIMITED in the banking industry. The ideal candidate will have 6-8 years of experience in retail credit, housing, and credit management. Roles and Responsibility Manage and oversee the credit function for retail assets, including loan origination, underwriting, and portfolio management. Develop and implement effective credit strategies to achieve business objectives and growth targets. Build and maintain strong relationships with key stakeholders, including customers, partners, and internal teams. Conduct thorough analysis of credit data and market trends to inform business decisions. Collaborate with cross-functional teams to identify opportunities for process improvements and cost savings. Ensure compliance with regulatory requirements and industry standards in all credit-related activities. Job Requirements Strong knowledge of credit principles, practices, and regulations in the banking industry. Excellent analytical, problem-solving, and communication skills. Ability to work effectively in a fast-paced environment and meet deadlines. Strong leadership and team management skills, with experience supervising and mentoring junior staff. Proficiency in financial modeling and data analysis tools, such as Excel and SQL. Experience working with retail assets, including loans, deposits, and other financial products.

An individual will be responsible to source Home Loan, LAP and Margin Money Funding cases from open market, developer channels and connectors/DSA • Look at affordable with a ticket size of 40 lakhs

Roles And Responibilities Sourcing business through the rural/semi urban locations across different states of the country. Creating a high-quality portfolio Self - Sourcing of Files by identifying and prospecting suitable MSME clientele. Maintain relation with existing customer base for future leads and timely payments. Ensuring on-time collections Identifying potential customers in the branch business zone and sourcing them under the assigned product Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality Ensure timely repayment from the customers sourced Maintaining cordial relationship with colleagues and peers with team spirit in every action Execution of task with complete integrity and transparency Achieving the given target within time limits with the support of BM/CM/Ops

Role & responsibilities Sourcing business through the rural/semi urban locations across different states of the country. Creating a high-quality portfolio Self - Sourcing of Files by identifying and prospecting suitable MSME clientele. Maintain relation with existing customer base for future leads and timely payments. Ensuring on-time collections Identifying potential customers in the branch business zone and sourcing them under the assigned product Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality Ensure timely repayment from the customers sourced Maintaining cordial relationship with colleagues and peers with team spirit in every action Execution of task with complete integrity and transparency Achieving the given target within time limits with the support of BM/CM/Ops

Role & responsibilities Sourcing business through the rural/semi urban locations across different states of the country. Creating a high-quality portfolio Self - Sourcing of Files by identifying and prospecting suitable MSME clientele. Maintain relation with existing customer base for future leads and timely payments. Ensuring on-time collections Identifying potential customers in the branch business zone and sourcing them under the assigned product Managing the relationship with customers to generate business leads to achieve the business target numbers on monthly basis with good customer quality Ensure timely repayment from the customers sourced Maintaining cordial relationship with colleagues and peers with team spirit in every action Execution of task with complete integrity and transparency Achieving the given target within time limits with the support of BM/CM/Ops

Job description Designation : Relationship Officer / Sr. Relationship Officer Product : Home Loan / LAP Experience : Minimum One Year Experience in Retail Sales (HL / LAP) Minimum Qualification : Graduate in any stream Desired Candidate Profile: Should have sales orientation Customer retention An immense interest in developing relationship with the customers Good communication skills and coordination skills Good convincing and negotiation skills Able to manage high ticket size of the loans Ability to understand customers need, explain various products and convince them about the product offerings Should be able to manage overall responsibilities including customer expectations, identifying new business markets and recording customer requirements Resolving Customer issues and queries Maintaining customer relationship and cross selling to existing customers Identification of right customer, ability to understand customers need, explain various products and convince them about the product offerings Compensation: As per the last drawn salary + performance based attractive incentives Interested candidate can share their resume on 8505044754 , Nishi.kumari@auhtm.in,

Loan officers perform a variety of tasks, including: Assessing Loan Applications: Evaluating borrower eligibility, gathering necessary documentation, and analyzing credit data. Explaining Loan Terms: Clearly communicating interest rates, payment schedules, and other loan details to applicants. Ensuring Compliance: Adhering to lending regulations and guidelines throughout the loan process. Managing Loan Portfolios: Monitoring existing loans, identifying potential issues, and working with clients to address them. Building Relationships: Developing and maintaining positive relationships with clients and other stakeholders.

Job Title: Home Loan Executive Department: Retail Banking / Home Loan Division Reports To: Branch Manager / Home Loan Manager : | / : - mahesh.t@uds.in Ashok Nagar 8 | Coimbatore 7 | Nandanam – 7 | RAC Perungudi – 6 | Madurai – 5 | Trichy – 5 | Hosur – 5 - abhijeet.sj@uds.in Indore – 7 | Bhopal – 5 | Gwalior – 2 | Jabalpur – 1 - abhijeet.sj@uds.in Ahmedabad – 7 | Vadodara – 5 | Rajkot – 2 | Surat – 1 - abhijeet.sj@uds.in Lucknow – 5 | Kanpur – 1 | Moradabad – 1 : Generate leads through field visits, cold calls & property agent networks. Guide customers on home loan products, interest rates, and application procedures. Assist in documentation and coordinate with internal teams for approvals. Meet monthly targets and maintain strong customer relationships. Stay updated on competitor offerings and market trends. Ensure compliance with all internal and regulatory guidelines ? Graduates / Postgraduates (Finance/Marketing preferred) 13 years of experience in home loan sales (preferred) Excellent communication and negotiation skills Strong knowledge of the housing finance market Self-motivated, target-driven professionals with basic MS Office skills abhijeet.sj@uds.in Reach out to us for more details Mr Abhijeet Jadhav - 8451003363 Mahesh - 9840955307 (Tamil Nadu openings)

Name of the Position: SM Designation: Sales Manager Experience & Qualifications: 3-4 yrs of experience in the same role. Candidate must be a graduate. Job Roles & Responsibilities: 1. Conducting field visits on a daily basis to analyse market trends and sourcing of files. 2. Seeking potential customers /clients through regular DSA/connectors visits. 3. Will be responsible towards closing an average of 8-10 new files in a month. 4. Ensuring smooth login process of the new customers and keeping a track of the existing customers. 5. Keeping a track of the documentation and the after login process as well. Interested candidates can share their updated cv's at hrd@cpuniverse.in.

Graduate Need 7-8 years exp in Collection of Mortgage /LAP -NPA Location- Mumbai(Borivali) Interested candidates can share CVs on Sweetiec@onboardhrservices.com

OPENING FOR ONE OF THE LIFE INSURANCE SELLING LIFE INSURANCE POLICIES RECRUITING AGENTS REACHING TARGETS LOCALITE SALARY MAX 6 L+INCENTIVES+MEDICALS Required Candidate profile NEED 3 YEARS EXPERIENCE IN SALES AND MARKETING and insurance LOCALITE FIELD SALES MARRIED

Roles and Responsibilities Identify new business opportunities through lead generation, prospecting, and networking within the local market. Develop and maintain a strong understanding of our product offerings, including home loans, housing finance, and asset management services. Collaborate with internal teams to resolve customer queries and issues related to loan processing, documentation, and post-sales support. Analyze market trends and competitor activity to stay ahead in the competitive affordable housing segment. Desired Candidate Profile . Strong knowledge of Affordable Housing (AH), Home Loans, Housing Finance, Home Finance, Asset Management Services. Excellent communication skills with ability to build rapport with customers at all levels. Ability to work independently with minimal supervision while meeting tight deadlines. Interested Candidates can send their updated CV on manisha.priya@mahindrahomefinance.com & mamta.patil@mahindrahomefinance.com

Core Responsibilities: Sales Process Management o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations.

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline 1. Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers. 2. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework 3. Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc.) and Tele-verification with the customer / Personal Discussion. 4. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc. 5. Arrange for Credit programs and training within company's credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio. 6. Authorize deviations raised and documented by underwriters in compliance with credit policy. 7. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. 8. Co-ordinate with the recoveries team and generate business insights. 9. Manage end to end credit approval for the designated zone. 10. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. 11. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. 12. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. 13. Develop cross functional collaboration to smooth business and ensure quick TAT 14. Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

To underwrite mortgage business and manage the portfolio in assigned branch/location Core Responsibilities: o Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. o Under write proposals as per the laid down policies & procedure to honour the agreed SLAs and manage city/area business volumes. o Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits. o Assess income to obligation ratios, loan to value ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance over long tenures. o Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. o Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third parties o Take ownership of client queries and use industry knowledge and experience to overcome challenges and solve problems o Exceed service quality standards and strive for continuous process improvement o Undertake critical review of the credit proposals with a view to bring out the industry, business, financial, management and facility structure risk contained in the credit proposal. o Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. o Enable quick turnaround time of credit lending proposals for the mortgage business comprising of loan against property, and home loan business in close liaison with the sales team. o Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. o Facilitate critical review and documentation of the proposals and effectively monitor the client & collateral creditworthiness from the pre sanction to post disbursement phase & undertaking steps for risk mitigation, whenever required, while ensuring adherence to legal & documentation norms & policies o Manage the credit underwriting function of his/her branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit analysts and sales team. o Follow up and ensure recovery of quick mortality cases between 12 -18 MOV. Qualification : Graduate, Masters/Post Graduate Certifications : CA/MBA (Preferable)