Job Requirements Role/ Job Title: Associate Manager-Acquisition (Household) Function/ Department: Branch Banking Job Purpose Role entails acquiring new customers for the bank's savings accounts. The role involves identifying potential customers, contacting them through various channels, explaining the benefits and features of the savings products, and closing the sales. Also to ensures that the customers are satisfied with the bank's services and maintains a long-term relationship with them. Roles & Responsibilities Acquisition of savings account in the identified segment and reference generation from the specified catchment area Ensuring high quality of customer acquisition in terms of constitution, product and segment mix On-boarding and activating customers on digital platforms Assist Senior Sales Manager in catchment mapping and branch scoping exercises Provide regular feedbacks to Senior Sales Manager and Branch Manager on customer requirements and potential opportunities Ensuring adherence to sales compliance and SOPs defined by the organization Quality sourcing and ensuring strict compliance on internal and external guidelines and regulations Regularly conducting activities in the catchment to acquire good quality, HNI customers and build a strong visibilty for IDFC First Bank Working on key central Initiatives and seeking regular referrals from existing customers Collaborating with other team members and support functions to provide products and service offerings to customers Education Qualification: Graduation: Bachelor’s in Engineering / Technology / Maths/ Commerce / Arts / Science / Biology / Business / Computers / Management Experience: 0 to 2 years of relevant experience. Show more Show less

Job Requirements Job Description: Company Name: IDFC FIRST Bank Job Title: Sales Manager-Cross Sell (SME Loans) Job Type: Full-Time Job Category: Retail Banking Department: Retail Banking > SME Loans > Sales > Cross Sell Location: Vadodara, Gujarat, India IDFC FIRST Bank is seeking a highly motivated and experienced Sales Manager to join our Retail Banking team in Vadodara, Gujarat. As a Sales Manager-Cross Sell (SME Loans), you will be responsible for driving the sales of SME loans through cross-selling to existing customers and acquiring new customers. Key Responsibilities Develop and implement sales strategies to achieve targets for SME loans cross-sell and new customer acquisition Identify potential customers and generate leads through various channels such as referrals, cold calling, networking, etc. Build and maintain relationships with existing customers to identify cross-selling opportunities Conduct sales presentations and product demonstrations to potential customers Collaborate with other departments to ensure smooth and efficient processing of SME loan applications Stay updated with market trends, competition and customer needs to provide valuable insights for product development and sales strategies Meet and exceed sales targets and contribute to the overall growth of the Retail Banking department Requirements Bachelor's degree in Business Administration, Finance or related field Minimum of 3 years of experience in sales, preferably in SME loans or retail banking Proven track record of meeting and exceeding sales targets Excellent communication and interpersonal skills Strong negotiation and relationship building skills Ability to work independently and as part of a team Proficient in MS Office and CRM software Willingness to travel within the assigned territory If you are a self-driven and results-oriented individual with a passion for sales and SME loans, we want to hear from you! Join our dynamic team at IDFC FIRST Bank and take your career to the next level. Show more Show less

Job Requirements Role/Job Title: Associate Relationship Manager-Liabilities Function/Department: Rural Banking Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Primary Responsibilities Lead Area Mapping in the catchment and maintain accurate and timely daily activity / Sales reports. Prepare Wish list of customers through cold calling and promotion activities to drive awareness about the bank and products across the catchment area. Ensure completion of account opening formalities with strict adherence to KYC norms. (Field verification Mandatory) Engage customers with multiple products at the time of account Opening. (viz: Mobile banking / Net banking registration / Recurring Deposit-Fixed Deposit activation) Ensuring account activation and subsequently maintaining the health of account. Ensure superior customer service to capture larger wallet share of population. Spearhead resolution of customer queries and issues. Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements. Ensure compliance as per the bank requirements. Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Secondary Responsibilities Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Education Qualification Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 0 to 2 years of relevant branch banking experience. Show more Show less

Job Requirements Role/Job Title: Associate Relationship Manager-Loan against property Function/Department: Rural Banking Job Purpose To deliver a high-quality client service and customer retention. Enhance product sales and new client acquisition. Roles & Responsibilities Identifying New Markets, must work towards attracting new customers and generating leads through local activities like organizing canopy activities/leaflet distribution/cold calling and etc. To service, the leads referred by sales front/cross/selling or other channels. To deliver a high-quality client service and customer retention approach to managing client relationships to enhance product sales and new client growth targets. Achieve agreed individual performance targets for income generation, product sales and new client growth targets. Login to disbursement completion, fulfilment, counselling, and handholding the customer through the entire process of sanction and disbursement. Ensuring that customer doesn’t become a non-starter e.g. helping collections to recover EMI’s in case of default. Building the relationship in the Market by meeting the Local Builders, Business communities and new channels. Education Qualification Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 0 to 2 Years in NBFCs/Banking. Show more Show less

Job Requirements Job Title - Deputy Manager-Acquisition(Current Account) Place of work - Pan - India Business Unit - Retail Banking Function -Branch Banking Compensations - Best in class in the industry. In addition valuable service awards would apply. Job Purpose The role entails direct customer interaction and is responsible for business acquisition of current accounts for a designated branch. It will also entail explaining and selling banking products to customers and acting as a link between customers and bank - ensuring best in-class service to the customers. The role bearer has a responsibility to support Sales Manager in catchment mapping, customer feedback and identifying and converting potential opportunities. The role bearer is responsible for driving client acquisition, deepening customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Roles & Responsibilities Acquisition of NTB Current account customers in the identified segment and reference generation from the specified catchment area Ensure acquisition of high quality current accounts in terms of product mix, segments and constitution mix Proactive registration and activation of acquired customers to direct banking channels Meet and exceed the defined targets of new customer acquisitions month on month by analysing transaction banking needs of the customer Assist and support the Sales Manager in catchment mapping and scoping exercise Provide regular feedback to SM / RM on opportunities and customer needs Ensure adherence to selling norms and SOPs defined by the organization Ensure strict compliance with internal guidelines and external regulations Ensure quality sourcing in line with the Bank's policy Secondary Responsibilities - List the deliverables other than primary, but essential for the role High degree of market awareness and understanding of customer's needs Collaborate with other branch departments and functions to provide products and service offerings to the customer to ensure customer centricity Qualifications Graduate - Any discipline Part Time / Full Time - Full Time Experience Minimum Number of Years - 0-4 years Industry – BFSI Functional Area – Sales Level / Capacity - Junior Management Show more Show less

Job Requirements Role/Job Title: Project Leader Function/ Department: Retail Banking Operations Roles & Responsibilities Competition benchmarking and identifying industry best practices Technical support w.r.t system integration, API and RPA platform In previous roles, must have led projects basis project management phases with multiple stakeholders Manage the RPA Coe model with robotics Led system changes/enhancements along with IT team independently, Liaison between process SME, IT team and RPA vendor for implementing or deploying BOT or operations of BOT Strong in conceptualizing ideas & converting into functional & non-functional BRD and UD documents Provide solutions to the BOTs bug/issue, troubleshooting and understands the BOT studio environment Secondary Responsibilities Conceptual knowledge of Robotics process automation, AI and ML is a must Identify process redesign, RCA of an issue and present to the senior management Strong negotiation skills in terms of closing vendor agreements for any solutions/application Manage the PMO of projects through robust tracking mechanisms Strong presentation skills in designing a strategic idea and presenting to the senior management Strong in data analytics, cost benefit analysis and impact assessment of projects identified Managerial & Leadership Responsibilities Taking initiatives & advising best practices to improve quality & TAT for the unit Knowledge of basic system/application architecture components Strong communication skills to interact with Peers from the teams / cross functional & Senior Management. Should have managed a Team of at least 5-6 employees Education Details Graduate: Any Post Graduate: Any Experience: 2 to 5 years of relevant experience Show more Show less

Job Requirements Job Description: Production Engineer - Linux Company Name: IDFC FIRST Bank Job Type: Full Time Job Category: Technology, Analytics & Digital Banking Department: New Age > Information Technology > Production Engineering Location: Navi Mumbai, Maharashtra, India IDFC FIRST Bank is seeking a highly skilled and experienced Production Engineer - Linux to join our dynamic team. As a Production Engineer, you will be responsible for managing and maintaining the Linux production environment, ensuring the smooth operation of our systems and applications. Key Responsibilities Monitor and maintain the Linux production environment, including servers, applications, and databases Troubleshoot and resolve any issues that may arise in the production environment Implement and maintain automation tools to improve efficiency and productivity Collaborate with cross-functional teams to ensure seamless integration of new applications and systems Conduct regular performance and security audits to identify and address any potential risks Stay updated with the latest industry trends and technologies to continuously improve the production environment Create and maintain documentation for all production processes and procedures Provide technical support and guidance to other team members as needed Qualifications Bachelor's degree in Computer Science, Information Technology, or a related field Minimum of 3 years of experience in a similar role, preferably in the banking or financial services industry Strong knowledge of Linux operating systems and shell scripting Experience with automation tools such as Ansible, Puppet, or Chef Familiarity with virtualization technologies such as VMware or Hyper-V Excellent problem-solving and troubleshooting skills Ability to work in a fast-paced and dynamic environment Strong communication and interpersonal skills Additional Parameters Certification in Linux or related technologies is a plus Experience with cloud computing platforms such as AWS or Azure is a plus Knowledge of DevOps principles and practices is a plus If you are a self-motivated and results-driven individual with a passion for technology and a desire to work in the banking industry, we encourage you to apply for this exciting opportunity. Join us at IDFC FIRST Bank and be a part of our innovative and forward-thinking team. Show more Show less

Job Requirements Job Requirements Role/Job Title: Partner - First Private Function/Department: Retail Liabilities Job Purpose This role is instrumental in acquisition of HNI & UHNI clients and building the relationship with the bank. They have to sell Investment & Insurance & other bank products to Private Banking clients to generate fee income Roles & Responsibilities Nurture and manage end to end customer relationships by fulfilling all their banking needs through wealth solutions provided by IDFC FIRST Bank. Provide a seamless banking experience from a product and interpersonal point of view. Achieve organizational objectives of high customer satisfaction scores. Acquire customers through natural market, open market activities, references from internal sources via existing branch and digital networks. Secondary Responsibilities Ensure regulatory compliance. High relationship management orientation; ability to forge effective relationships Strong focus on service delivery. Execution-oriented, i.e. driven to achieve results. Managerial & Leadership Responsibilities Team development. Ensuring the team is adequately staffed. Target achievement of team members. Education Qualification Graduation: Bachelor’s in engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management. Post-graduation: MBA, PGDM. Experience: 10-18 years of relevant experience. Show more Show less

Job Requirements Job Requirements Job Title: Relationship Manager-NRI Department: Retail Banking Job Purpose The role entails deepening the relationship by providing solutions to meet the requirements of the NRI customers and ensuring value-added customer service. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing and deepening. The role bearer is responsible for acquiring NTB non-resident clients and servicing the existing relationships contributing to the larger branch banking channel objectives. Roles & Responsibilities Inform customers of new products or product enhancements to further expand the banking relationship. Coordinate with other functional teams to provide seamless access to other products. Ensure the enhancement of customer value by understanding and providing customized solutions. Maintain updated and accurate relationship records for assigned customer accounts. Penetration of group or family accounts of the existing mapped base Track customer complaints, queries and turnaround times for customer satisfaction. Plan and conduct special sales initiatives and events for prospective and existing corporations. Assist the Senior Relationship Manager - NRI in providing a best-in-class customer experience to become their banking partner of choice. Evaluate the growth strategy based on competitor analysis and feedback from different channels and customers. Recommend process changes in order to improve service efficiency and quality across the branch network. Education Qualification Graduation: Any Graduation. Post-graduation: Any Post-graduation Experience: 5 to 10 years of relevant branch banking experience. Show more Show less

Job Requirements Job Requirements Job Title: Relationship Manager-Business Banking Function: Business Banking Job Purpose The role entails providing financial solutions to meet the working requirements of business banking customers and ensuring best-in-class relationship management and customer experience to become their banking partner of choice. The role bearer is responsible for asset NTB client acquisition along with liabilities and FX deepening. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening. Roles & Responsibilities Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment. Knowledge on liability, Forex, trade and client relationships, delinquency management, relationship management, and an analytical mindset. Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants. Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders. Evaluate the growth strategy based on competitor analysis and feedback from different channels and customers. Recommend process changes in order to improve service efficiency and quality across the branch network. Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives. Understanding of financial statements, credit Assessment and title-security documents Educational Qualifications Graduation: Any Discipline Professional Qualification: Preferred Chartered Accountant (CA). Experience: 5-10 years of relevant branch banking experience Show more Show less

Job Requirements Job Title – Collection Manager Function – Collections Job Purpose The role bearer has the responsibility to plan, organize, direct and oversee the activities of the collections department. It also includes managing the agencies associated with the company in their assigned territory. The role bearer is responsible for the efficiency and optimization of retrieving EMI from the customers and ensuring adherence to all the guidelines laid out by the bank contributing to the larger organizational objectives of the bank. Roles & Responsibilities Responsible for managing and undertaking collections process for debts that have been assigned Regularly track the portfolio for specific buckets for the assigned area Track & control the delinquency of the area, Bucket-wise & DPD wise and focus on non-starters Responsible to allocate and achieve targets from agencies/ in house team Regularly follow up with the default customers Ensuring adherence to collection process and legal guidelines Tracing out absconded default customers and initiate recovery process Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report, reviewing of collection feedback on daily, weekly & monthly basis Educational Qualifications Graduate – Any Post Graduate – Any Experience: Minimum of 4 or more years of experience in Collections. Show more Show less

Job Requirements Role/Job Title: Branch Relationship Manager-Rural Function/Department: Rural Banking Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer is responsible for understanding the client needs and working with customers to help them make the right decisions with their accounts. The role bearer must maintain updated knowledge on all bank products and services to ensure high quality assistance in resolving customer queries as well as developing new relationships with prospective clients. This is a critical role which leverages business generation opportunities to help achieve larger organizational objectives. Roles & Responsibilities Contribute to penetration of liabilities business in Rural markets through lead generations, account penetration and relationship deepening as per needs of customer. Ensure maintenance of Average Monthly Balance of Relationship of customers mapped to the incumbent. Deepen the relationship with existing customers of the branch. Ensure completion of account opening formalities with strict adherence to KYC norms. (Field verification Mandatory) Engage customers with multiple products at the time of account Opening. (viz: Mobile banking / Net banking registration / Recurring Deposit-Fixed Deposit activation) Ensuring account usage & constantly maintaining health of account. Ensure superior customer service to capture larger wallet share of population. Execute resolution of customer queries and issues. Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Education Qualification Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate. Show more Show less

Job Requirements Job Title – Branch Manager-Rural Business Unit - Retail Banking Function – Rural Banking Job Purpose The role entails managing and scaling up the Rural banking business for the branch by creating strategies to achieve growth targets for the branch by managing operations and resources in the most cost efficient and technology effective manner. It also entails developing constructive relationships with key local dealers and working closely with them to boost volume of business by establishing a strong foundation with them as their financial partner of choice. It is accountable to ensure expansion of branch footprint, product penetration and delivery of high-quality customer service. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing and deepening. It includes building up teams, systems, process and culture relevant to the branch network scale. Responsibilities Roles & Responsibilities: Own the liabilities for the branch and direct all operational aspects including distribution operations, customer service, administration and sales. Responsible for working towards achieving sustainable profitability for Liabilities sales of the branch. Custodian of people, processes and documents for the branch; expected to manage the liabilities for the branch and work towards achieving sustainable profitability. Manage a team of assistant branch managers and relationship officers to drive client acquisition, deepening of existing relationships and addressing all needs of customers by providing gamut of banking services. Assess and monitor portfolio quality and loan limits, Conduct field audits and customer verifications. Achieve productivity, efficiency, financial (budget and cash flow), customer service targets and ensure statutory compliance for the branch. Assess local market conditions and identify current and prospective sales opportunities. Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs. Adhere to high ethical standards and comply with all regulations/applicable laws. Cultivate relationships with individual and corporate customers. Spearhead manpower planning, recruitment and training processes for both on-roll and off-roll employees to ensure high performing talent across levels. Develop and implement livelihood advancement and community development initiatives. Bring out the best of branch’s personnel by providing training, coaching, development and guidance. Evaluate the feasibility of new initiatives in offering, channel & process point of view and ensure its implementation to improve overall operational efficiency. Collaborate with other branch departments and functions to provide products and service offerings to the customer. Spearhead manpower planning, recruitment and training processes for all employees to ensure high performing talent across levels. Develop and implement livelihood advancement and community development initiatives. Bring out the best of branch’s personnel by providing training, coaching, development and guidance. Evaluate the feasibility of new initiatives in offering, channel & process point of view and ensure its implementation to improve overall operational efficiency. Collaborate with other branch departments and functions to provide products and service offerings to the customer. Managerial & Leadership Responsibilities Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity. Create environment for team to focus on automation and digital enablement to fulfil customer’s needs holistically. Attract & retain best-in class talent to meet Bank's rapid growth targets. Educational Qualifications: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate. Show more Show less

Job Requirements Role/Job Title:Senior Private Banker-First Private Business:Retail Banking Function/ Department:Retail Liabilities Place of work:Pan India Roles & Responsibilities 'Nurture and manage end to end customer relationship by fulfilling all their banking needs through wealth solutions provided by IDFC FIRST Bank Provide a seamless banking experience from a product and interpersonal point of view Achieve organizational objectives of high customer satisfaction scores Acquire Customers through natural market, open market activities, references from Internal sources via existing branch and digital networks network Secondary Responsibilities 'Ensure regulatory compliance High relationship management orientation; ability to forge effective relationships Strong focus on service delivery Execution oriented, i.e. driven to achieve results Managerial & Leadership Responsibilities 'Team development Ensuring team is adequately staffed Target achievement of team members Key Success Metrics AUM target, Revenue Target, New to Wealth customers Expected to manage a TRV of 100 to 150 Crs and an AUM of 70 to 100 Crs Show more Show less

Job Requirements Job Requirements Role/Job Title: Associate Customer Service Manager Function/Department: Rural Banking Job Purpose The role entails managing and scaling up the retail banking business for the branch managing operations and resources in the most cost efficient and technology effective manner. The role bearer would lead customer service and branch operations for a designated branch and be responsible for the daily branch upkeep. This role is the central custodian of all Rural Banking documents for the branch and provides operational support for Rural and semi urban Retail products. The role bearer is primarily accountable for ensuring seamless maintaining of customer life cycle, fulfilling customer requests and providing best-in class service. Responsibilities Roles & Responsibilities: Responsible for day-to-day operations and administration of the Branch, ensuring strict compliance with Bank's policies and procedures. Responsible for branch operations and service delivery to the customers of a designated branch in our rural network. Data entry of application forms, creation of customer IDs, accounts, etc. File / document checking including KYC checking, application forms and loan document verification. Handling cash and clearing transactions. Maintaining good audit rating for the branch. Work towards ensuring best in class service delivery at the branch for external and internal customers. Work as an effective business partner in strategizing and driving the implementation of critical operational and regulatory practices for the branch such as compliance, Lending operations and operational risk. Oversee quality initiatives across operations team for optimization of processes in order to improve TAT and upgradation of SLAs. Employ tools such as automation and digitization to increase process efficiency. Education Qualification Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate Experience: 2 to 5 years of relevant experience in Banking or allied Business. Show more Show less

Job Requirements Job Description Job Title – Collection Manager Place of work – Mumbai Business Unit - Retail Banking Function – Collections Job Purpose The role bearer has the responsibility to plan, organize, direct and oversee the activities of the collections department. It also includes managing the agencies associated with the company in their assigned territory. The role bearer is responsible for the efficiency and optimization of retrieving EMI from the customers and ensuring adherence to all the guidelines laid out by the bank contributing to the larger organizational objectives of the bank. Responsibilities Roles & Responsibilities: Responsible for managing and undertaking collections process for debts that have been assigned Regularly track the portfolio for specific buckets for the assigned area Track & control the delinquency of the area, Bucket-wise & DPD wise and focus on non-starters Responsible to allocate and achieve targets from agencies/ in house team Regularly follow up with the default customers Ensuring adherence to collection process and legal guidelines Tracing out absconded default customers and initiate recovery process Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report, reviewing of collection feedback on daily, weekly & monthly basis ­­ Educational Qualifications Graduate – Any Post Graduate – Any Experience: Minimum of 3 or more years of experience in collections. Show more Show less

Job Requirements Job Requirements Role/Job Title: Associate Relationship Manager-Micro Enterprise Loan(MEL) Function/Department: Rural Banking Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Roles & Responsibilities Manage zoning activity to map household needs in villages and areas allocated. Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets. Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements. Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship. Nudge behavioral changes in customers to drive them towards online banking. Maintain high collections efficiency through discipline and drive. Monitor preparation of accurate documentation of loans and saving account. Coordinate with operations officer to ensure timely and accurate data entry. Ensure compliance as per the bank requirements. Conduct field audits and customer verifications to ensure high quality of accounts. Gather latest Market intelligence and track and benchmark against best practices in competitor banks. Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Education Qualification Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate. Experience: 0 to 1 years of relevant branch banking experience. Show more Show less

Job Requirements Role/Job Title: Branch Credit Manager-Rural Function/Department: Rural Banking Job Purpose The role bearer's responsibilities entail managing the entire credit application process, right from login to disbursement. The role bearer is involved in development and implementation of credit policy initiatives and managing the quality of the portfolio. The role bearer will be in direct contact with the consumers in order to establish their credit, worthiness, ensuring completion of verifications and adhering to the guidelines set as per the company credit policy. The execution of these tasks must be accomplished in such manner which is both sales supportive and risk averse contributing to the larger organizational objectives of the bank. Responsibilities Roles & Responsibilities: Conducting Credit Appraisal required for the loan to avoid Business Risk as per norms. Maintaining Credit TAT to ensure the growth of business. Delinquency management - Conducting Personal Visits to customers and doing root cause analysis of such cases. Conducting Random Visits in order to cross check the authenticity of the Contact point verifications. To manage post disbursement documents and partly disbursed cases. Maintaining credit MIS and various management reporting as required. Manage Audit compliance for the branch and support in other operational activities. Monitor and review the performance of the retail credit portfolio on a regular basis, providing recommendations for adjustment where necessary. Contribute to portfolio management programs i.e. limit increases, loan postponements etc. Recommend process changes in order to improve service efficiency and quality across the assigned area. Recommend improvements to processes and policies across the Retail Banking business to drive operational efficiencies and high-quality customer service. Education Qualification Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 2 to 5 years of experience in credit. Show more Show less

Job Requirements Role/Job Title: Associate Relationship Manager-Micro Enterprise Loan(MEL) Function/Department: Rural Banking Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Roles & Responsibilities Manage zoning activity to map household needs in villages and areas allocated. Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets. Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements. Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship. Nudge behavioral changes in customers to drive them towards online banking. Maintain high collections efficiency through discipline and drive. Monitor preparation of accurate documentation of loans and saving account. Coordinate with operations officer to ensure timely and accurate data entry. Ensure compliance as per the bank requirements. Conduct field audits and customer verifications to ensure high quality of accounts. Gather latest Market intelligence and track and benchmark against best practices in competitor banks. Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Education Qualification Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate. Experience: 0 to 2 years of relevant branch banking experience. Show more Show less

Job Requirements Job Requirements Role/Job Title: Associate Relationship Manager-Micro Enterprise Loan(MEL) Function/Department: Rural Banking Job Purpose The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals. Roles & Responsibilities Manage zoning activity to map household needs in villages and areas allocated. Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets. Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements. Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer. Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship. Nudge behavioral changes in customers to drive them towards online banking. Maintain high collections efficiency through discipline and drive. Monitor preparation of accurate documentation of loans and saving account. Coordinate with operations officer to ensure timely and accurate data entry. Ensure compliance as per the bank requirements. Conduct field audits and customer verifications to ensure high quality of accounts. Gather latest Market intelligence and track and benchmark against best practices in competitor banks. Recommend process changes in order to improve service efficiency and quality across the branch network. Provide support for implementation of livelihood advancement and community development initiatives. Education Qualification Graduation: BA / BCom / BSc / BBA / BCA / BE / BTech or any other graduate. Experience: 0 to 1 years of relevant branch banking experience. Show more Show less