4896 Home Loans Jobs - Page 32

We are looking for a skilled Relationship Manager with 3 to 7 years of experience in the BFSI industry, specifically in Micro Mortgages and Inclusive Banking. The ideal candidate will have a strong background in sales and relationship management. Roles and Responsibility Manage relationships with existing clients to ensure timely payments and minimize defaults. Identify new business opportunities through networking and referrals. Develop and implement effective sales strategies to meet targets. Conduct site visits to assess client needs and provide personalized solutions. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Proven experience in Micro Mortgages and Inclusive Banking. Strong knowledge of sales principles and practices. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Familiarity with financial products and services. Strong analytical and problem-solving skills.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 14 years of experience in the BFSI industry, with a strong background in retail mortgages and sales. Roles and Responsibility Manage relationships with existing clients to ensure customer satisfaction and retention. Identify new business opportunities and develop strategies to acquire new customers. Develop and implement effective sales plans to meet or exceed monthly targets. Collaborate with internal teams to resolve customer complaints and issues. Provide excellent customer service and support to ensure long-term relationships. Analyze market trends and competitor activity to stay ahead in the market. Job Requirements Strong knowledge of retail mortgages and sales principles. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with diverse client groups and building strong relationships. Familiarity with inclusive banking practices and procedures.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-2 years of experience in the BFSI industry, preferably with a background in Micro Mortgages. Roles and Responsibility Manage relationships with existing customers to ensure timely payments and minimize defaults. Identify new business opportunities through networking and referrals. Conduct site visits to assess customer needs and provide personalized solutions. Develop and implement strategies to increase sales and revenue growth. Collaborate with internal teams to resolve customer complaints and issues. Maintain accurate records of customer interactions and transactions. Job Requirements Proven experience as a Relationship Manager in Micro Mortgages or a related field. Strong knowledge of financial products and services, including Micro Mortgages. Excellent communication and interpersonal skills. Ability to work independently and as part of a team. Strong analytical and problem-solving skills. Familiarity with banking regulations and compliance requirements.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in retail mortgages and sales, with a strong background in inclusive banking. Roles and Responsibility Manage relationships with existing customers to increase sales of retail mortgages. Identify new business opportunities and develop strategies to acquire new customers. Develop and maintain a strong understanding of customer needs and preferences. Collaborate with internal teams to ensure seamless delivery of products and services. Provide excellent customer service and resolve customer complaints promptly. Analyze market trends and competitor activity to stay ahead in the market. Job Requirements Proven experience as a Relationship Manager in retail mortgages or sales. Strong knowledge of inclusive banking principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills. Experience working with customers from diverse backgrounds and income levels.

Position description: The incumbentwill be primarily responsible to - Acquire new customers forliabilities from open market Assist the CRS - unsecured loansfor conversion of existing borrowing customers for liabilities Enhance the relationship with theexisting customers by cross-selling products and services as per the profile& need of the customers Train/assistcustomers to use ATM and BCs; drive usage of alternate channels Primary Responsibilities: Business Meet the set targets on liabilities in terms of open market acquisition & existing customer conversion Understand need and acquire customers who meet the criteria for li Location: Agra,Aligarh,Prayagraj,Amritsar,Badnagar,Ballia,Barwani,Basti,Bharatpur,Bhiwani,Bhopal,Bulandshahr,Chaurah,Dehradun,Deoria,Durg,Firozabad,Ghaziabad,Gorakhpur,Gurugram,Gwalior,Haldwani,Hapur,Hardoi,Haridwar,Hathras,Indore,Jabalpur,Jaunpur,Kanpur,Lucknow,Maharajganj,Meerut,Moradabad,Nagar,Narwana,Nashik,New Delhi,Noida,Raebareli,Raipura,Rajnandgaon,Rewari,Rohtak,Roorkee,Rudrapur,Saharanpur,Sandila,Sangrur,Shikohabad,Sultanpur,Ujjain,Varanasi

ROLE PURPOSE & OBJECTIVE Lead Generation Conduct regular marketing and sales activities to generate leads from the identified markets Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Shall be expected to manage a portfolio of Rs.5 Cr. Progressively Managing a single product across the branch catchment area Managing a customer base of 100 customers progressively KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Candidate should be able to deliver targeted business figures from the location of the branch. He/She is also responsible for building a quality portfolio without compromising on quality levels. Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Cluster Manager MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce or relevant subjects Experience(Years and Core Experience Type) 2 years in sales and documentation of loans of which at least 1 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 Knowledge of Secured loans/ Mortgage Loans Sales and marketing skills retail financial products Communication Skills - fluent in the local language & can read-write basic English Equipped enough to read and understand the legal papers Behavioral Skills Sound Product knowledge Willingness to travel across the branches and catchment to expand the business Managing customer relations Performance oriented Competencies Good Computer Knowledge KEY INTERACTIONS INTERNAL EXTERNAL Branch Managers Regional Operations, Credit IL Loan Officers, CROs Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts Location: Ambasamudram,Ambur,Anupshahr,Arcot,Aruppukkottai,Attur,Bodinayakanur,Coimbatore,Cuddalore,Cumbum,Dharapuram,Dharmapuri,Dindigul,Erode,Gobichettipalayam,Hosur,Kanchipuram,Kovilpatti,Krishnagiri,Kumbakonam,Madurai,Mannargudi,Mayiladuthurai,Nagapattinam,Nagercoil,Namakkal,Panruti,Paramathi-Velur,Pattukkottai,Periyakulam,Puducherry,Rajapalayam,Rasipuram,Salem,Sankarankoil,Sathyamangalam,Sivakasi,Thanjavur,Theni,Thiruvaiyaru,Tiruvannamalai,Thiruvarur,Tirunelveli,Tirupathur,Tiruppur,Vellore,Virudhachalam

Primary Responsibilities: BusinessMeet the set targets on liabilities in terms of open market acquisition and existing customer conversion Understand need and acquire customers who meet the criteria for liability products through either of the below channels Leads generated by branch staff and personal leads Referrals generated from existing customers Alternate channels Maintain the database of the prospects meet select prospects and manage the relationship thereafter Accompany CRSUnsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers Share customer insightsproduct related feedback with the Sales Manager LiabilitiesCustomersInteract with customers in a courteous and professional manner provide prompt efficient and accurate services Reduce customer dormancy and customer attrition by continuous engagement interaction Resolves the customer queries on various accounts FD RD remittances and third party productInternal ProcessesGuide the customer to fill the Account Opening Form ensure receipt and verification of KYC documents obtain customer signatures on all mandatory documents Strictly adhere and maintain compliance to KYC norms Drive the usage of alternate channels such as ATMs BCs and assist customers to use ATMs for dispensing cashLearning and Performance Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch Resolve queries raised by CRSunsecured loans wrt liability products and support them in selling liabilities Ensure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location: Ahmedabad,Ahmednagar,Ambarnath,Ambejogai,Anand,Aurangabad,Vadodara,Beed,Bharuch,Bhavnagar,Bhiwani,Bhuj,Bhusawal,Dombivli,Gandhidham,Gandhinagar,Gondiya,Goregaon,Himatnagar,Hyderabad,Jalgaon,Jalna,Jamnagar,Karad,Kolhapur,Latur,Mehsana,Mumbai,Nadiad,Nagpur,Nanded,Nashik,Navsari,Panvel,Pune,Pusad,Rajkot,Sangli,Satara,Shirpur,Solapur,Surat,Thane,Valsad,Vapi,Virar

Primary Responsibilities: Credit Management Policy ProcessesMaintains Credit policy and process adherence in the Branch Coordinate with Legal Technical AgenciesUnderwriting Carry out detailed business analysis and recommend a proposal to the delegated authority Visit each case within prescribed TAT Prepare CAM and Financial Analysis for the caseVisit neighbours suppliers customers for the reference checksVisit property and conduct due diligence in identifying the property Location: Akurdi,Borivali,Chowk,Morbi,Pimpri, Ahmedabad,Ambarnath,Anand,Aurangabad,Vadodara,Bhavnagar,Bhiwani,Bhusawal,Chandrapur,Dombivli,Gandhidham,Gondiya,Himatnagar,Hyderabad,Jalgaon,Jalna,Jamnagar,Kolhapur,Latur,Mehsana,Mumbai,Nadiad,Nagar,Nagpur,Nanded,Nashik,Panvel,Pune,Rajkot,Sangli,Shirpur,Solapur,Surat,Thane,Valsad,Vapi,Virar

We are looking for a highly motivated and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 0-4 years of experience in retail mortgages and relationship management. Roles and Responsibility Manage and maintain strong relationships with existing clients to ensure customer satisfaction and retention. Identify new business opportunities and develop strategies to acquire new customers. Conduct market research and analyze competitor activity to stay ahead in the market. Collaborate with internal teams to provide excellent customer service and support. Develop and implement effective sales plans to achieve targets and goals. Build and maintain a strong understanding of customer needs and preferences. Job Requirements Strong knowledge of retail mortgages and relationship management principles. Excellent communication, interpersonal, and negotiation skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Proficient in using technology and software applications to manage customer interactions. Ability to build and maintain strong relationships with clients and colleagues.

We are looking for a highly skilled and experienced Branch Receivable Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably with experience in affordable housing or housing loan. Roles and Responsibility Manage and oversee the receivables process at the branch level. Ensure timely collection of payments from customers and maintain high customer satisfaction. Develop and implement strategies to improve receivables management. Collaborate with other departments to resolve customer complaints and issues. Analyze and report on receivables performance metrics to senior management. Maintain accurate records and reports of receivables transactions. Job Requirements Strong knowledge of accounting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficient in Microsoft Office and other software applications. Strong analytical and problem-solving skills. Experience working with housing loan or affordable housing products is preferred.

We are looking for a highly skilled and experienced Credit Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in the BFSI industry, preferably with a background in inclusive banking, mortgages, or credit. Roles and Responsibility Manage and process credit applications efficiently. Conduct thorough credit assessments and risk analyses. Develop and maintain relationships with clients to understand their financial needs. Collaborate with internal teams to ensure seamless credit operations. Monitor and report on credit portfolio performance metrics. Identify opportunities to cross-sell relevant products and services. Job Requirements Strong knowledge of credit underwriting principles and practices. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in credit management software and systems. Strong analytical and problem-solving skills. Experience in the BFSI industry, particularly in small finance banks or NBFCs.

We are looking for a highly motivated and experienced Branch Sales Manager to lead our retail mortgage sales team. The ideal candidate will have a strong background in sales management, preferably in the BFSI industry, with a focus on retail mortgages. Roles and Responsibility Manage and oversee the daily operations of the branch sales team to achieve business objectives. Develop and implement effective sales strategies to drive growth and expansion in the retail mortgage sector. Lead and motivate a team of sales professionals to meet or exceed sales targets. Build and maintain relationships with key stakeholders, including customers, partners, and internal teams. Analyze market trends and competitor activity to identify opportunities and threats. Monitor and report on sales performance metrics to senior management. Job Requirements Proven experience in sales management, preferably in the BFSI industry, with a focus on retail mortgages. Strong leadership and motivational skills, with the ability to inspire and guide a team. Excellent communication and interpersonal skills, enabling strong relationship building with customers and stakeholders. Ability to analyze market trends and competitor activity to inform sales strategies. Strong problem-solving and decision-making skills, with the ability to work under pressure. Experience working with inclusive banking products and services is an added advantage.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 3 to 8 years of experience in retail mortgages and sales, with a strong background in inclusive banking. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking, referrals, and market research. Develop and implement effective sales strategies to achieve business targets. Conduct site visits to assess client needs and provide personalized solutions. Collaborate with internal teams to resolve customer queries and issues. Maintain accurate records of client interactions and transactions. Job Requirements Minimum 3 years of experience in retail mortgages and sales. Strong knowledge of financial products, including home loans, LAP, and personal loans. Excellent communication, negotiation, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills with attention to detail. Proficiency in MS Office and other relevant software applications.

We are looking for a highly motivated and experienced Branch Sales Manager to lead our retail mortgage sales team. The ideal candidate will have a strong background in sales management, preferably in the BFSI industry, with a focus on retail mortgages. Roles and Responsibility Develop and implement effective sales strategies to achieve business objectives. Manage and motivate a team of sales professionals to meet targets. Build and maintain relationships with key stakeholders, including customers, partners, and internal teams. Analyze market trends and competitor activity to identify opportunities and threats. Collaborate with cross-functional teams to drive business growth. Monitor and control expenses to ensure profitability and efficiency. Job Requirements Proven experience in sales management, preferably in the BFSI industry. Strong knowledge of retail mortgages and inclusive banking products. Excellent leadership and communication skills. Ability to analyze data and make informed decisions. Strong networking and relationship-building skills. Experience working in a fast-paced environment and meeting deadlines.

We are looking for a highly motivated and experienced Senior Sales Officer to join our team in the Credit Cards domain. The ideal candidate will have 1-6 years of experience in sales, preferably in the BFSI industry. Roles and Responsibility Develop and implement effective sales strategies to achieve business objectives. Build and maintain strong relationships with clients to increase sales revenue. Conduct market research and analyze competitor activity to stay ahead in the market. Collaborate with cross-functional teams to launch new products and programs. Provide excellent customer service to ensure high levels of client satisfaction. Identify and pursue new business opportunities to drive growth. Job Requirements Proven track record of achieving sales targets and driving business growth. Strong knowledge of credit cards and related products. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience working with sales teams and contributing to business development initiatives.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-5 years of experience in the BFSI industry, preferably in micro mortgages or sales roles. Roles and Responsibility Manage relationships with existing clients to ensure timely payment of EMIs and minimize defaults. Identify new business opportunities through networking, referrals, and market research. Develop and implement strategies to acquire new customers and expand the client base. Conduct regular portfolio reviews to ensure compliance with regulatory requirements. Collaborate with internal teams to resolve customer queries and issues promptly. Analyze market trends and competitor activity to stay ahead in the competition. Job Requirements Strong knowledge of micro mortgages, sales, and relationship management principles. Excellent communication, interpersonal, and negotiation skills. Ability to work in a fast-paced environment and meet sales targets. Proficiency in using technology-based tools to manage customer relationships. Strong analytical and problem-solving skills to analyze data and identify trends. Experience working with diverse client groups, including those in inclusive banking segments.

We are looking for a highly motivated and experienced Branch Sales Manager to lead our retail mortgage sales team. The ideal candidate will have a strong background in sales management, preferably in the BFSI industry, with a focus on retail mortgages. Roles and Responsibility Manage and oversee the daily operations of the branch sales team to achieve business objectives. Develop and implement effective sales strategies to drive growth and expand the customer base. Build and maintain strong relationships with customers, providing excellent customer service and support. Lead and motivate a team of sales professionals to meet their targets and goals. Analyze market trends and competitor activity to identify new business opportunities. Collaborate with other departments to ensure seamless delivery of products and services. Job Requirements Proven experience in sales management, preferably in the BFSI industry, with a focus on retail mortgages. Strong leadership and motivational skills, with the ability to inspire and guide a team. Excellent communication and interpersonal skills, enabling strong relationship building with customers and colleagues. Ability to analyze market trends and competitor activity to identify new business opportunities. Strong problem-solving and decision-making skills, with the ability to work under pressure. Experience working with inclusive banking products and services, focusing on retail mortgages.

We are looking for a highly motivated and experienced Branch Sales Manager to lead our retail mortgage sales team. The ideal candidate will have 0-4 years of experience in the BFSI industry, preferably with Equitas Small Finance Bank. Roles and Responsibility Manage and oversee the daily operations of the branch sales team to achieve business targets. Develop and implement effective sales strategies to drive growth in retail mortgages. Lead and motivate a team of sales professionals to meet their individual and collective goals. Build and maintain strong relationships with customers, stakeholders, and partners. Analyze market trends and competitor activity to identify new business opportunities. Monitor and control expenses to ensure profitability and efficiency. Job Requirements Strong knowledge of inclusive banking, retail mortgages, and sales principles. Excellent leadership, communication, and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Proficiency in using technology and software applications. Strong analytical and problem-solving skills. Experience working with teams and managing multiple priorities simultaneously. Additional Info The company offers a dynamic and supportive work environment with opportunities for professional growth and development. Location - Chennai,Vellore,Thiruvannamalai,Krishnagiri

ROLEPURPOSE & OBJECTIVE DrivesMortgage business in their respective Cluster. Is responsible foroverall growth and success of the MLAP business & cross sellTPP & Liability Products Buildefficient team of Relationship Officers in the Cluster assigned NON-FINANCIALSIZE Costof hiring and placing new Relationship Officers at Branches OperationalCost of managing the Conveyance and Claims of RelationshipOfficers Costof procurement marketing collaterals, sales aids Shallbe expected to manage a portfolio of Rs.15 Cr. Progressively Managinga single product across the branches of operations Managinga team size of 5 employees progressively Managingassets like marketing collaterals, Stationary, Dockets andSystems Managinghiring and placement of Relationship Officers in requiredBranches KEYDUTIES & RESPONSIBILITIES OF THE ROLE Candidateshould be able to deliver budgeted business figures from theCluster of control through placing adequate manpower across activebranches. He/She is also responsible for building a qualityportfolio without compromising on quantum of business Business/Financials Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required SupportsLoan Officers- in his/her area in their duties of client visits,risk assessment and recovery strategies Efficientstaffing by timely recruitment & training SupportsRelationship Officers- in his/her area in their duties of clientvisits, risk assessment and recovery strategies Shouldbe ready to travel extensively across the cluster of control forbusiness requirements Customer(Both Internal & External) Ensurethat customers are aware of the Product and services properly Ensurethat customers are explained about the Terms & Conditions ofProduct Focuson lower TAT as per laid down standards. InternalProcess Monitorhealth of portfolio Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations. Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools Innovation& Learning Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement Expectedto be updated with all new improvement & innovationshappening in the market and competitors Shouldbe updated with the latest trends in civic and local laws of theterritory of operation Qualifications Graduatein Commerce or relevant subjects AnMBA or equivalent is an added advantage Experience(Yearsand Core Experience Type) 5years in sales and documentation of loans of which at least 2years in Housing Loans, home loans or loan against property in anNBFC/ Bank/HFC. Mixed experience of Sales & Credit isacceptable, but should be predominantly in sales Certifications Relevantcertifications shall be an added advantage FunctionalSkills Abilityto create teams and drive sales performance. Will be required totake complete ownership of MLAP at Cluster level. Abilityto engage with customers, Plan & execute Marketing and Salespromotion for MLAP Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language. AdequateComputer knowledge BehavioralSkills Sound Product knowledge Should possess Training Skills Willingnessto travel & relocation as per business requirements andcareer opportunities Managing customer relations Performance oriented Competencies Good Computer Knowledge Competentto handle MIS systems and Lending Software KEYINTERACTIONS INTERNAL EXTERNAL Product and Marketing Team Regional Operations, Credit Audit,Vigilance and FCU team Area Technical Manager Legal Vendors External marketing agencies Competitor Counterparts Location - Ambasamudram,Ambur,Attur,Bengaluru,Belgaum,Chamarajanagar,Channapatna,Chikkaballapura,Chitradurga,Coimbatore,Cuddalore,Cumbum,Davangere,Dharapuram,Dharmapuri,Dharwad,Dindigul,Erode,Gangavathi,Gangavati,Gobichettipalayam,Gokak,Gundlupet,Hebbal,Kanchipuram,Kumbakonam,Maddur,Madurai,Mannargudi,Mayiladuthurai,Mysuru,Nagercoil,Nanjangud,Pattukkottai,Periyakulam,Ramanujnagar,Rajanagaram,Ramanathapuram,Salem,Sankarankoil,Shimoga,Sivakasi,Shrirangapattana,Thanjavur,Theni,Thiruvaiyaru,Tiruvannamalai,Thiruvarur,Tiptur,Tirunelveli,Tiruppur,Tumkur,Udumalaipettai,Virudhachalam

ROLEPURPOSE & OBJECTIVE HousingLoan is a growing business for Ujjivan. The Area Manager-HousingLoan is the most important position that will drive this businessin the respective cluster. The position is responsible foroverall growth and success of the business in the cluster. Builtefficient team of Loan officers and cluster Managers in theArea/cluster assigned Overseesthe performance of the HL portfolio of his/her region by area andbranch in terms of growth (amount and client base) andproductivity of cluster manager/loan officers by guiding them andcarrying out constructive reviews of their performance Overallresponsible for the control and recovery of loans in his/herregion, risk assessment and recovery strategies. Incoordination with the branch, credit & product teams,identifies suitable branches and locations for Housing businessloan and gets the locations activated. Ensures proper goalsetting, resource planning, marketing and sourcing of HLbusiness. Identifying legal and technical evaluators in thelocations during expansion. Workclosely with product and marketing team to drive suitablebranding and marketing activities in his/her respective cluster. Effictivlyhandly DSA Chanl contcores. NON-FINANCIALSIZE Willbe responsible to handle the geography of at least 3-4 clusterswith a portfolio size of ?100 ?150 Crore Willbe responsible to handle a team of 4 5 cluster managerswith an indirect reporting of 15 30 Loanofficers/relationship managers KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Daily/Weekly /Monthly monitoring of the accomplishment of targetsaccording to the annual/monthly targets established for the areaand branches under his/her responsibility to provide guidance andsolutions to his/her team as required Assigntargets and results on daily, weekly, monthly basis of portfolioof risk by different categories such as days in arrears, numberof installment due, amount within his/her region by area, branch,loan officer with the objective to identify tendencies and risks. SupportsCluster Manager- in his/her area in their duties of clientvisits, risk assessment and recovery strategies Efficientstaffing by timely recruitment & training Implement,supervise and control effectiveness of commercial strategy withhis/her team to reach the productivity and growth targetsestablished. Approvedeviations and exceptions according to policy in place. Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools Customer Ensurecustomers are educated about all products/services offered byUjjivan. Ensurelower customer attrition by providing different products as percustomer requirement. Focuson lower TAT as per laid down standards. Internalprocess Ensurecompliance with lending guidelines, quality framework and auditrequirements; ensure speedy resolution of any audit observationsand take necessary steps to prevent recurrence audit and otherregulations. Monitorhealth of portfolio Sanctioningof loans according to the policy in place. Ensure,supervise the correct implementation of the credit proceduresincluding all the respective tools Discussstrategies and changes in terms of products, capacity building,procedures etc. Learning& Performance Ensurethat all members of his team are up to date on all relevantcirculars and all products/services offered in the Branch Evaluatethe staff competences in terms of promotion, business assessmentand credit risk assessment capacity and propose solutions forimprovement Ensureadherence to training man-days/ mandatory training programs forself and reportees Ensuregoal-setting, mid-year review and annual appraisal process withinspecified timelines for self and reportees Monitorperformance of staff against defined goals/metrics and takecorrective action wherever required; undertake disciplinary andattendance monitoring of Housing Loans team. Educational Qualifications Graduate,preferably Post Graduation Experience 8-13 yearsin sales and documentation of loans of which at least 4 years inHousing Loans, home loans or loan against property in an NBFC/Bank/HFC/ CA firms/ Outsourcing Agencies. Mixed experience ofSales + Credit is acceptable, but should be predominantly insales. FunctionalSkills Abilityto create teams and drive sales performance. Will be required totake complete ownership of Housing Loan at sub-regional level. Abilityto engage with customers, colleagues & agencies providingvaluation and legal opinion. Plan & execute Marketing andSales promotion for Housing Loan Abilityto plan and coordinate TeamLeading Experience is highly preferred Abilityto speak and read regional language(s)- is desirable. Ability tocommunicate in English (Read-speak-write) is required. Has goodverbal fluency and uses simple, clear and purposeful language. GoodComputer knowledge. Characteristicsof Entrepreneurial Behavior Ability to plan, set goals,initiative, persistence, self-discipline, capacity to take risks,produce support networks and assess the market Establishesa friendly and professional relationship with the entire team BehavioralSkills TrainingSkills Interpersonalskills ability to handle various types of mindsets andget desired output for meeting banks goal Willingnessto travel & relocation as per business requirements andcareer opportunities Managingcustomer relations Performanceoriented EYINTERACTIONS INTERNAL EXTERNAL Productand marketing team Legal& technical team RegionalOps, Credit , collection Externalmarketing agency Audit,Vigilance, Admin & FCU team Location - Bengaluru,Chennai,Coimbatore,Dharwad,Dindigul,Ernakulam,Hyderabad,Magadi,Peenya,Tiruchirapalli,Vellore,Vijayawada,Visakhapatnam

ROLEPURPOSE & OBJECTIVE Thisrole is responsible to follow-up with Default customer forRecovery of over-due amount as per the Allocation Forany unresolved cases, the incumbent needs to decide on the mostvalue added mode of follow-up; adopt different strategies for thecollection at different point of time; work on having thecustomers being treated well during the Overdue Follow up;Motivate the customers to make On Time Repayment; Trace out theabsconded default customers and initiate recovery process KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Followup with the customers to collect the repayment from the customer Convincethe customers to make the repayment, take PTPs and followup Updatethe status of the repayment to branch staff Updatethe details of the interaction with the customer in the Software Issuethe Receipt to the customer and deposit the amount with theCashier Communicatethe customers about the consequences of non-payment Traceout of absconded default customers and initiate recovery process Initiatethe Legal process in case of Non-Repayment based on the Documentavailable with the organization Managecollection process and legal guidelines; Initiate the process ofreporting full details about non-payment customers for actionplan and maintain the Monthly Collection Target is met Ensurethat the Monthly individual collection target is met Customer Interactwith the customers politely, Convince the customer to make therepayment Maintainfair collection practices while dealing with customers Oneshould contact people other than the customers only to locate theborrower Communicatethe Consequences thoroughly to the customers about theNon-payment Issuethe notices to the customers at different stages with details offurther course of action Understandthe customers situation and adopt various strategies forcollection Customersshould be treated with respect and no false, deceptive, or misleading claims should be made for thepurpose of collecting repayments. This includes misrepresentinghis/ her identity or falsifying facts about debt status orconsequences of non-repayment or claiming any monetary ornon-monetary awards post tracing of the customer. Internal process Ensure that collection process and legal guidelines to be adhered Recommendfor legal actions for non-recoverable cases above Rs 10,000 O/scases and follow up with the Legal Cell for the closure of thecases Complete administrative work related to collection such as updatingdelinquent account history, updating change of customers'information, providing and maintaining MIS report, reviewing ofcollection feedback on Daily, Weekly & Monthly basis, etc Review the Cases with Manager before taking further course of action Report any fraud identified in the field to Vigilance Interactwith different teams at appropriate verticals and if requiredengage them for collections. Recommendation of doubtful overdue cases for writing off in co-ordination withthe team. Learning & Performance Ensure that you are up to date on all relevant circulars and allproducts/services offered in the Branches. Ensure adherence to training man-days/ mandatory training programs forself Ensure goal-setting, mid-year review and annual appraisal process withinspecified timelines for self. Ensure coordination between different teams, to build a collaborativespirit and shared sense of purpose. Qualifications 12thPass/ Graduate in a related field Experience 2 years of experience for 12th Pass candidate and/or 1year of experience for a graduate in relevant areas ofcollections, risk controls FunctionalSkills Fluent in Communication in the local language Understanding of the documents of the Secured Loans Knowledge of various strategies that can be adopted for recovery of securedloan Legal etc. Has to have tenacity in meeting targets. Take responsibility of effectiveness and timely completion of work. Planning,o rganizing and time management skill. Should have the ability toprioritize. BehavioralSkills Good Convincing skills which can be adopted during the collection. Strong communication skills with the ability to communicate directlywith field staff & customers. Local language skills will be preferred Location - Alleppey,Belgaum,Cherthala,Chintamani,Coimbatore,Cuddalore,Dharmapuri,Erode,Gobichettipalayam,Gundlupet,Hebbal,Hukeri,Mysuru,Pandavapura,Panruti,Puducherry,Salem,Tiruvannamalai

Position description: Acquisition of new Unsecured loans customersfrom open market Identification of quality leads fromunsecured loans & liabilities customers for Unsecured loans Assessment/evaluation of the leadsgenerated which include analyzing credit histories & simple financialanalysis by adhering to internal and external regulations Monitor installment payments andcollections of his/her customers Enhancement of relationshipwith the existing customers by cross-selling Ujjivans products as per theprofile & need of the customers Primary Responsibilities: Business/ Financials Achieve the set targets on Unsecured loans in terms of open market acquisition and existing customer conversion Work with liabilities team to focus on cross selling unsecured Location - Abohar,Ajmer,Ambala,Amritsar,Badnagar,Baghpat,Barara,Bareilly,Beawar,Bijnor,Bulandshahr,Chowk,Deoli,Ganganagar,Gorakhpur,Hanumangarh,Hapur,Haridwar,Indira,Jabalpur,Jind,Kaithal,Kalan,Karanpur,Kekri,Khargone,Khera,Kurukshetra,Lucknow,Meerut,Modinagar,Moradabad,Nagda,Neem,Roorkee,Saharanpur,Sandila,Sangrur,Sameli,Sikar,Sonipat,Thana,Ujjain,Varanasi,Yamuna

ROLEPURPOSE & OBJECTIVE Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines. Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers. Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures. ProvideMarket intelligence from a competition and customer stand point Recommendationson new processes & fraud Control initiative etc ManageCredit Officers team NON-FINANCIALSIZE Manageentire Area underwriting teams Handlingportfolio from 50 Cr to 200 Cr Supervisingthe monthly disbursement of 60-150 files from the assigned area EfficientTAT management by credit team Ensureto strengthen area credit team to include more responsibilities Tomanage direct and indirect team of close to 4-10 people. Involvein process reengineering, Audits, Policy change discussions etc. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business EnsureCredit policy and process adherence in the Cluster. Co-ordinatewith Legal & Technical Agencies. Guide/MonitorCredit Officers of the cluster. Ensuretimely training to branches in the cluster. SuggestPolicy revisions in line with changing market conditions. Customer Expertknowledge of customer segments in various markets of India andtheir performance histories. Expertknowledge of negative profiles, negative property types andnegative property locations Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage Knowledgeof property valuation process through vendors and knowledge &keen interestin monitoring current property price / historical propertyprices. Meetappropriate customers for understanding of their needs Conductunderwriting for cases under purview Pickup EWS for the set of clients in his area Maintainportfolio quality of the Cluster as per company norms. Monitoringand tracking of HL Loan cases. Maintainvarious standard MIS for HL Loan. Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies. InternalProcess AppropriateIntervention to manage ground level risk effectively. Ensureadherence to RBI regulations on documentation and KYC compliance. LUCand periodic loan monitoring framework ProvideAudit Compliance. Timelyhiring of Credit Officer for the Cluster as per the budget Learning& Performance Maintainup to date knowledge of HL and other related products. Upgradeself and team about changes happening in the market. Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives Ensureon time appraisal and suggest suitable career paths for staff Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Qualifications Graduateor Post graduate (preferred MBA) from a reputed college. Experience(Yearsand Core Experience Type) Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products. Teamhandling is a must. FunctionalSkills Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts BusinessAnalysis Skills CommunicationSkills. BehavioralSkills TeamManagement Skills Leadership Possessesgood interpersonal skills. Location - Bengaluru,Kalburagi,Hyderabad,Tambaram,Vijayawada

Drive team targets and performance Ensure smooth ops and issue resolution Boost conversions and collaboration Track progress and lead improvements

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank. The ideal candidate will have 1-4 years of experience in sales, relationship management, or a related field. Roles and Responsibility Manage relationships with existing clients to ensure customer satisfaction and retention. Identify new business opportunities and develop strategies to expand the client base. Develop and implement effective sales plans to achieve business objectives. Collaborate with internal teams to provide comprehensive solutions to clients. Analyze market trends and competitor activity to stay ahead in the market. Build and maintain strong relationships with key stakeholders, including customers, partners, and colleagues. Job Requirements Strong understanding of micro mortgages and inclusive banking products. Excellent communication, interpersonal, and negotiation skills. Ability to work in a fast-paced environment and meet sales targets. Strong analytical and problem-solving skills with attention to detail. Experience working with diverse client groups, including those from underprivileged backgrounds. Familiarity with financial regulations and compliance requirements.