4896 Home Loans Jobs - Page 29

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

To drive sales and ensure business targets are achieved 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. Retain and expand the company's base of customers for retail loan product so as to ensure repeat business or referrals Maximize sales through a network and relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. 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 Align with the team on ground lead generation activities for Sales. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 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. 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

Core Responsibilities: Sales Process Management : - 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. Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Maximize number of APFs and increase penetration in the approved APF projects. Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business 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 : - 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 Align with the team on ground lead generation activities for Sales. Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance : - Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 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. Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications : Graduate, Masters/Postgraduate

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.

Key Objective of the Job: Handling the Proposal Sanction Management Process of the branches. Key Deliverables: Ensure the credit policy implementations. Quality CAM making and updation along with Tele Verification & Report in cases. Manage and supervise CPA/ FI agency/ valuation agency operations. Ensure quality portfolio of the branches within the set parameters of non-starters. Conduct training for FI/CPA/ Channels and cross verticals at regular intervals. Visit Channels/ Branches and customers at regular intervals. Education Qualification: MBA / CA/ ICWA/ CS/ M.com/ B.Com. (Hons.) Specialized job competencies: Functional Competencies Process-Orientation Team Skills Basic understanding of Credit process Technical knowledge in financial analysis Ability to sustain pressure Facilitator Behavioral Competencies Execution Excellence Customer Centricity Fostering Synergy Hiring Parameters: Good communication skill Knowledge of IT and Computers Software Compliance Orientation Location - Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai

To manage relationship with customers/branches/ Managers. Responsible for End-to-end documentation, with the customers Ensure the prescribed guidelines Responsble for daily updation of leads/lead tracking Contact HR: SUGANTHI M MOBILE NO:7010328708 Required Candidate profile Qualification : Any Degree(2023 /2024/ 2025 Batch ) Must need Provisional Certificate/Consolidated Marksheet (Veification purpose only) Bike Mandatory 5KM Radious 50% field & 50% Office work

Business/ Financials Daily/ weekly/ monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility. Ensure correct implementation of the credit procedures including all the respective tools Customer (Both Internal & External) Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards. Internal Process Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Monitor health of portfolio. Ensure correct implementation of the credit procedures including all the respective tools Discuss strategies and changes in terms of products, capacity building, procedures etc. Innovation & Learning Ensure adherence to training man-days/ mandatory training programs for self Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self. Functional Skills Ability to drive sales performance. Will be required to manage customers of MSE loan at Locational level. Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSE loans Awareness about different Liabilities, Insurance and loan products. Ability to speak and read regional language(s)- is desirable. Ability to communicate in English

Customer Acquisition & Relationship Management : Identify and engage potential clients through various sourcing channels. Build and maintain strong relationships with customers to understand their financial needs and provide tailored loan solutions. Sales Target Achievement : Meet and exceed sales targets by effectively promoting Micro LAP products and services. Loan Processing & Documentation : Guide clients through the loan application process, ensuring all necessary documentation is collected and processed efficiently. Collaboration with Internal Teams : Work closely with credit, operations, and risk teams to facilitate quick loan approvals and disbursements. Market Analysis & Reporting : Stay updated on market trends and competitor offerings. Provide regular reports on sales activities, market feedback, and potential business opportunities.

Customer Acquisition & Relationship Management : Identify and engage potential clients through various sourcing channels. Build and maintain strong relationships with customers to understand their financial needs and provide tailored loan solutions. Sales Target Achievement : Meet and exceed sales targets by effectively promoting Micro LAP products and services. Loan Processing & Documentation : Guide clients through the loan application process, ensuring all necessary documentation is collected and processed efficiently. Collaboration with Internal Teams : Work closely with credit, operations, and risk teams to facilitate quick loan approvals and disbursements. Market Analysis & Reporting : Stay updated on market trends and competitor offerings. Provide regular reports on sales activities, market feedback, and potential business opportunities.

To underwrite and manage the portfolio in assigned branch/location Responsibilities: Review and assess a broad range of complex loan applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities.Under write proposals as per the laid down policies & procedure to honor the agreed SLAs and manage city/area business volumes. Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field & collateral visits.Assess income to obligation ratios, in depth knowledge of rational behind calculation of ratios and its impact on loan performance during the loan tenure. Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same. Build and facilitate the best outcomes for clients by building and leveraging effective relationships with third partiesTake ownership of client queries and use industry knowledge and experience to overcome challenges and solve problemsExceed service quality standards and strive for continuous process improvement 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.Ensure collateral and other credit risk mitigation to facilitate the approving authority to take decision on the credit proposal. Enable quick turnaround time of credit lending proposals for the business in close liaison with the sales team.Undertake ongoing review of the credit exposures to ensure that the exposure continues to be bankable. 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 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. Educational Qualification: Post Graduate/ Graduate in any discipline

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 referrals o 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 strategies o 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.

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.

Major Deliverables: Generate leads & business from assigned dealership as well as the open market Maintain a healthy relationship with Dealers for sales objective. Ensuring Post Disbursal Documents (PDD) updation RC, First EMI & Non starter collection & its updation to maintain the portfolio Timely Communication to dealers staff about the scheme / HO communication about payouts/RC, etc Ensure enhanced sourcing & business at the dealer counter(s) being managed Ensure proper implementation of all the finance schemes in operation at Dealer level & impart regular training on the same to the dealer Sales team Understanding of customers need and proper guidance / explanation of the finance schemes to the customers Daily sharing of MIS with case wise status of the leads given by dealership Minimum Nos. expected as per productivity matrix. Location: mumbai,delhi,pune,bangalore,hyderabad,chennai

Roles and Responsibilities Achieve mortgage production goals by developing and executing a business plan that includes prospecting, networking, referral generation, database marketing, and other activities. Develop new loan business and increase existing customer retention through effective relationship management. Understand and comply with all federal, state, and local laws and regulations related to the mortgage industry, as well as company policies and procedures. Maintain knowledge of current industry trends, products, services, and underwriting guidelines Manage a team of mortgage loan originators, providing coaching and mentorship to drive individual and team success. Conduct regular sales meetings and one-on-one sessions to review pipeline, discuss best practices, and provide feedback. Monitor individual and team performance against established targets, taking corrective action when necessary. Assist in the development and implementation of marketing campaigns designed to generate new loan business. Attend community events and functions to promote the companys mortgage lending services Stay abreast of changes in the competitive landscape and adjust strategies accordingly. Prepare periodic reports on loan production, pipeline activity, and other metrics for senior management. Perform other duties as assigned. Required Skills and Qualifications undergraduate/Graduate 2+ years of experience in BFSI/NBFC sales or related financial sales experience Proven track record of success in achieving individual sales goals. Excellent communication, negotiation, and presentation skills Strong organizational and time-management skills Proficient in Microsoft Office, with aptitude to learn new software and systems. Early joiners would be appreciated

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,New Delhi,Pune,Bangalore,Hyderabad,Chennai

Relationship Manager 3-4 years of experience Tractor loan Sales Capable for infant resolution and Cross sale like Tractor refinance, Gold Loan, life and general insurance Collection and infant resolution capabilities.

We are looking for a highly skilled and experienced Candidates to join our sales team at Nido Home Finance. Designation : Relationship Manager/ Senior Relationship Manager: Candidate should have 1-2 Years of experience in Field sales Generate leads from known contacts. Quality acquisition of prime LAP and Home Loans files by going into the market area. Salary best in industry with Incentives

We are looking for a highly skilled and experienced Candidates to join our sales team at Nido Home Finance. Designation : Relationship Manager/ Senior Relationship Manager: Candidate should have 1-2 Years of experience in Field sales Generate leads from known contacts. Quality acquisition of prime LAP and Home Loans files by going into the market area. Salary best in industry with Incentives

GRADE - AVP-I DEPARTMENT - Micro Mortgages REPORTS TO Regional Business Manager Micro Mortgages REPORTING INTO Cluster Manager Micro Mortgages ROLE PURPOSE & OBJECTIVE Drives Mortgage business in their respective Area. Is responsible for overall growth and success of the Micro Mortgage business & cross sell TPP & Liability Products Oversees the performance of the Micro Mortgage portfolio of his/her Area by Cluster and branch in terms of growth (amount and client base) and productivity of cluster manager/Relationship officers by guiding them and carrying out constructive reviews of their performance In coordination with the branch, credit, Risk, collection & product teams, identifies suitable branches and locations for Micro Mortgage business and gets the locations activated by hiring and placing suitable manpower required for different roles SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Managing a portfolio of 100 Cr. Progressively NA KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks. Supports Cluster Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established. Approve deviations and exceptions according to policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Customer Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards. Internal process Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Monitor health of portfolio Sanctioning of loans according to the policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Discuss strategies and changes in terms of products, capacity building, procedures etc. Learning & Performance Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate, preferably Post Graduation Experience 5 years in sales and documentation of loans of which at least 3 years in Mortgage Loans, home loans or loan against property and Business loans in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales. Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing Loan at sub-regional level. Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for Housing Loan Ability to plan and coordinate Team Leading Experience is highly preferred Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Good Computer knowledge. Characteristics of Entrepreneurial Behavior Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market Establishes a friendly and professional relationship with the entire team Behavioral Skills Training Skills Interpersonal skills ability to handle various types of mind-sets and get desired output for meeting banks goal Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented KEY INTERACTIONS INTERNAL EXTERNAL Product and marketing team Legal & technical team Regional Ops, Credit , collection External marketing agency Audit, Vigilance, Admin & FCU team Govt. authorities Lead Banks State Level Bankers Committees Branch Banking Team State Govt. Agencies/ Panchayats.

GRADE - SM DEPARTMENT Housing Loans REPORTS TO - Area Manager - Housing REPORTING INTO - Relationship Manager & Loan Officers ROLE PURPOSE & OBJECTIVE Housing Loan is a growing business for Ujjivan. The Cluster Manager-Housing Loan is an important position that will drive this business in the respective cluster. The position is responsible for overall growth and success of the business in the cluster. Built efficient team of Loan officers in the clusters assigned Oversees the performance of the HL portfolio of his/her cluster and branch in terms of growth (amount and client base) and productivity of loan officers by guiding them and carrying out constructive reviews of their performance Overall responsible for the control and recovery of loans in his/her region, risk assessment and recovery strategies. In coordination with the branch, credit & product teams, identifies suitable branches and locations for Housing business loan and gets the locations activated through Area Managers. Ensures proper goal setting, resource planning, marketing and sourcing of HL business. Identifying legal and technical evaluators in the locations during expansion. Work closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Cost of hiring and placing new Relationship Officers at Branches Operational Cost of managing the Conveyance and Claims of Relationship Officers Cost of procurement marketing collaterals, sales aids Shall be expected to manage a portfolio of Rs.15 Cr. Progressively Managing a single product across the branches of operations Managing a team size of 5 employees progressively Managing assets like marketing collaterals, Stationary, Dockets and Systems Managing hiring and placement of Relationship Officers in required Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks. Supports Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established. Approve deviations and exceptions according to policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Customer (Both Internal & External) Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards. Internal Process Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Monitor health of portfolio Sanctioning of loans according to the policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Discuss strategies and changes in terms of products, capacity building, procedures etc. Innovation & Learning Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce or relevant subjects An MBA or equivalent is an added advantage Experience(Years and Core Experience Type) 4-9 years in sales and documentation of loans of which at least 2 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales Certifications Relevant certifications shall be an added advantage Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing business at Cluster level. Ability to engage with customers, Plan & execute Marketing and Sales promotion Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Adequate Computer knowledge Behavioral Skills Sound Product knowledge Should possess Training Skills Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competent to handle MIS systems and Lending Software.

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 / NCR,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 / NCR,Pune,Bangalore,Hyderabad,Chennai

This role 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.Credit-Operations Manager will ensure 100% process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. core Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process.Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.Ensuring gating rejections in line with credit policy and close monitoring on login quality.Ensuring timely initiation of internal reports and checks as mandated by credit policy.Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.Ensure 100% adherence to policies and SOPs across all credit-operations processes.Identify and rectify process gaps to enhance efficiency and accuracy.Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.Ensure compliance with regulatory requirements and internal controls.Work on Loan Origination System (LOS) and Finnone for loan processing.Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.Support digital initiatives to streamline credit-operations processes and improve efficiency.Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region.Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency.Conduct periodic performance reviews and ensure team adherence to KPIs.Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs):First Time Right (FTR) Ensuring minimal errors in loan files.Turnaround Time (TAT) Ensuring quick and efficient loan processing.Compliance Adherence No deviations from policy and regulatory guidelines.Process Efficiency Identifying and implementing improvements in workflows.Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit teamResponsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.Hold regular meetings with the business team & conduct regular training for improvement in FTR filesWork cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processesPrioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC.Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

Major Deliverables: Generate leads & business from assigned dealership as well as the open market Maintain a healthy relationship with Dealers for sales objective. Ensuring Post Disbursal Documents (PDD) updation RC, First EMI & Non starter collection & its updation to maintain the portfolio Timely Communication to dealers staff about the scheme / HO communication about payouts/RC, etc Ensure enhanced sourcing & business at the dealer counter(s) being managed Ensure proper implementation of all the finance schemes in operation at Dealer level & impart regular training on the same to the dealer Sales team Understanding of customers need and proper guidance / explanation of the finance schemes to the customers Daily sharing of MIS with case wise status of the leads given by dealership Minimum Nos. expected as per productivity matrix. Login to conversation to maintain the targeted ratio. Location - Mumbai, Delhi / NCR,Pune,Bangalore,Hyderabad,Chennai