JOB TITLE - Lead Accounts & Finance REPORTS TO - CFO Key Responsibilities: 1. Financial Accounting and Reporting: Prepare and maintain accurate financial records, including balance sheets, profit and loss accounts, and cash flow statements. Ensure timely closure of monthly, quarterly, and annual accounts. Prepare financial statements in compliance with Ind AS and other applicable accounting standards. Planning and Coordinating with other stakeholders for the preparation of financial statements within the deadlines. 2. Management Information Systems (MIS): Develop and maintain MIS reports for internal stakeholders. Analyze financial data and provide insights to support business decisions. Prepare periodic financial dashboards and presentations for senior management. Support in the preparation of Budgets by providing the right inputs and data. 3.Audit and Compliance Coordinate with internal and external audits, ensure timely resolution of queries Ensure compliance with all statutory and regulatory reporting requirements. 4.Process improvement Identify and implement process improvements to enhance accuracy, efficiency and internal controls in financial operations. 5. Ind AS Compliance: Stay updated with the latest developments in Ind AS and ensure their implementation in financial reporting. Ensure accurate and consistent application of these standards in all financial reporting. 6. Should be open to any work within Finance department. Qualifications and Skills: Qualified Chartered Accountant (CA) with minimum 2-6 years of post-qualification experience. In-depth knowledge of Ind AS and other relevant accounting standards. Proficient in financial accounting software and advanced Excel skills. Excellent analytical and problem-solving skills with attention to detail. Strong interpersonal, communication and presentation abilities. Ability to work independently and collaboratively in a dynamic environment High level of integrity and commitment to professional ethics.
Key Responsibilities: Business Growth & Portfolio Management Drive branch-level disbursement, growth, and profitability for Group Loans. Develop and implement strategies to achieve monthly / quarterly / annual business targets. Build strong relationships with customers, self-help groups, and community stakeholders. Identify new market opportunities for branch business expansion. Operations & Process Management Oversee end-to-end branch operations including sourcing, loan processing, disbursement, and collections. Ensure adherence to credit policies, operational SOPs, and regulatory norms. Maintain high standards of documentation, audits, and internal controls. Monitor turnaround time (TAT) for loan processing and disbursement. Team Management & Leadership Recruit, train, and manage a team of Group Loan Officers / Relationship Officers. Set clear KPIs and monitor team performance regularly. Motivate the team and ensure high productivity and engagement levels. Conduct regular field visits for coaching and supervision. Collection & Risk Management Monitor daily collections and minimize delinquency and NPA levels. Ensure timely follow-up and recovery actions for overdue accounts. Review credit risk and portfolio quality to control early warning signals. Customer Service & Relationship Management Ensure high customer satisfaction through timely and transparent services. Resolve customer issues and queries efficiently. Strengthen customer retention and loyalty at branch level. MIS & Reporting Prepare and submit daily, weekly, and monthly MIS reports. Track KPI dashboards and provide insights for business improvement. Ensure data accuracy and timely reporting to senior management. Desired Candidate Profile: Graduate / Post Graduate (preferably in Finance, Commerce, or Business Management). Minimum 5 - 9 years of experience in Group Loans / Microfinance with at least 2 -3 years as Branch Manager or Team Lead in NBFC/MFI. Strong leadership, team handling, and field management skills. Sound knowledge of group lending operations, credit appraisal, and collections. Good communication skills in regional and English languages. Proficiency in MS Excel and basic MIS reporting. Willingness to travel extensively and work in field operations. Key Competencies: Leadership & Team Management Business Development Risk & Credit Assessment Customer Management Analytical & Problem Solving Skills Result-Oriented Approach
Key Responsibilities: Business Growth & Portfolio Management Drive branch-level disbursement, growth, and profitability for Group Loans. Develop and implement strategies to achieve monthly / quarterly / annual business targets. Build strong relationships with customers, self-help groups, and community stakeholders. Identify new market opportunities for branch business expansion. Operations & Process Management Oversee end-to-end branch operations including sourcing, loan processing, disbursement, and collections. Ensure adherence to credit policies, operational SOPs, and regulatory norms. Maintain high standards of documentation, audits, and internal controls. Monitor turnaround time (TAT) for loan processing and disbursement. Team Management & Leadership Recruit, train, and manage a team of Group Loan Officers / Relationship Officers. Set clear KPIs and monitor team performance regularly. Motivate the team and ensure high productivity and engagement levels. Conduct regular field visits for coaching and supervision. Collection & Risk Management Monitor daily collections and minimize delinquency and NPA levels. Ensure timely follow-up and recovery actions for overdue accounts. Review credit risk and portfolio quality to control early warning signals. Customer Service & Relationship Management Ensure high customer satisfaction through timely and transparent services. Resolve customer issues and queries efficiently. Strengthen customer retention and loyalty at branch level. MIS & Reporting Prepare and submit daily, weekly, and monthly MIS reports. Track KPI dashboards and provide insights for business improvement. Ensure data accuracy and timely reporting to senior management. Desired Candidate Profile: Graduate / Post Graduate (preferably in Finance, Commerce, or Business Management). Minimum 5 - 9 years of experience in Group Loans / Microfinance with at least 2 -3 years as Branch Manager or Team Lead in NBFC/MFI. Strong leadership, team handling, and field management skills. Sound knowledge of group lending operations, credit appraisal, and collections. Good communication skills in regional and English languages. Proficiency in MS Excel and basic MIS reporting. Willingness to travel extensively and work in field operations. Key Competencies: Leadership & Team Management Business Development Risk & Credit Assessment Customer Management Analytical & Problem Solving Skills Result-Oriented Approach
1. Collection Management & Recovery Strategy Drive collections across MSME, HL, and LAP portfolios for all allocated buckets (X, 190, 90+). Plan and execute field recovery strategies to reduce delinquency, PAR, and NPA levels. Conduct regular field visits to high-portfolio-risk customers and escalated cases. Monitor agency performance and ensure adherence to process and compliance standards. 2. Legal & Compliance Execution Handle Sec 138 (Cheque Bounce) case initiation and coordination with legal team. Manage SARFAESI process including notices, possession, and auction coordination. Represent or coordinate cases in Lok Adalat and ensure settlement closures. Ensure all legal actions follow RBI and company policy guidelines. 3. Team Leadership & Vendor Management Manage field collection executives, branch collection staff, and external agency teams. Train and mentor team members on collections techniques, documentation, and compliance. Review daily performance of team members and set clear weekly/monthly action plans. 4. Portfolio Review & Risk Management Conduct bucket-wise portfolio analysis, field audits, and delinquency reviews. Identify high-risk accounts, fraud indicators, and negative customer behaviour patterns. Implement preventive actions to maintain healthy portfolio quality. Collaborate with credit, operations, and risk teams for corrective measures. 5. MIS, Reporting & Excel Skills Prepare daily/weekly/monthly collection MIS, bucket performance reports, and dashboards. Analyze data using MS Excel (VLOOKUP, Pivot Tables, MIS modelling). Present portfolio trends, risk indicators, and recovery actions to senior management. Ensure accuracy of data captured from field teams and agencies. 6. Field Operations & Customer Engagement Carry out on-ground visits for high-value accounts, willful defaulters, and dispute cases. Negotiate settlements, restructuring, and ensure closure of payment commitments. Handle escalated customer concerns related to collections or legal communications.
Job Summary: The Regional Collection Manager OD Collections will be responsible for overseeing and managing overdue collections across a defined region. The role demands strategic planning, team management, field operations oversight, and ensuring portfolio health by reducing delinquencies in the OD bucket. This position is crucial to maintaining asset quality and ensuring recoveries in line with company targets and compliance norms. Key Responsibilities: 1. Portfolio Management Monitor and manage OD collection performance across branches in the assigned region. Analyze delinquency trends, DPD movements, and suggest corrective action plans. Ensure achievement of monthly and quarterly collection targets (Recovery Rate, Rollback %, etc.). 2. Team Management Lead and manage Area Collection Managers (ACMs), Collection Executives, and Agencies. Set performance KPIs, review progress regularly, and implement incentive structures. Train and motivate team members on collection techniques, legal recovery processes, and customer engagement. 3. Strategy & Execution Develop and implement regional collection strategies for early and hard bucket cases. Allocate accounts to field executives/agencies based on risk scoring and geography. Drive tele-calling, field visits, skip tracing, and legal actions as per policy. 4. Compliance & Reporting Ensure adherence to RBI guidelines and internal compliance policies in all collection activities. Maintain accurate and timely MIS reports on collections, agency performance, and legal cases. Liaise with legal and operations teams for timely filing and follow-up of legal cases (e.g., Sec 138, SARFAESI, Arbitration).
Be the key personal to drive and achieve the Business Targets for the assigned region for MEL/PL Business. Tracking and monitoring repayment to ensure portfolio quality. Supervising various buckets and ensuring no roll forward of accounts to NPA. Current product suite includes loans to Micro Enterprise Customers & Personal Loans, Business loans etc This product line will be expanded as the organization grows; the incumbent is expected to work closely with the Regional Head and other key stake holders to drive business growth Analysis of Targeted Customer and Business segmentation and assessment of their needs at Area Level Responsible to Hire and Build team by giving necessary Training & mentoring Business Management: Overseeing and guiding team on developing on -going market insight, identify sector trends and work with Product team and stakeholders in developing competitive product proposition. Business Growth: Work on strategy for Business growth as per the budgeted number Portfolio Review and Performance management: Analyze Product and Portfolio Performance. Assess channel Performance. Rationalization of Portfolios. Process Streamlining: Work with stake holders in Customization/digitalization in the process Product Sales Support: Devising training module, imparting training to various team co-ordination with various support vertical etc. Stakeholders - Ops, Tech, Risk, Compliance, Legal, Operational Risk Ensuring regulatory compliance adherence and advisory at all times. Monitoring process and portfolio to ensure NIL process and policy violation. Key Skills: Specialization in personal and business loan business. Analytical and Selling skill Motivated and Energetic Solution Oriented Preference to candidates who understand Rural Market nuances Team management and people orientation Good stakeholder management skills
1. Leadership and Team Management: - Supervise and provide guidance to Area Collection Managers and their teams of Group Collection Managers. - Conduct regular meetings with Area Collection Managers to review performance and provide feedback. - Mentor and develop the leadership skills of Area Collection Managers. 2. Strategic Planning: - Develop and implement strategic plans to improve collection performance across the cluster. - Analyze collection data and trends to identify areas for improvement and implement corrective actions. - Ensure alignment of collection strategies with overall organizational goals. 3. Performance Monitoring: - Monitor and evaluate the performance of Area Collection Managers and Group Collection Managers. - Ensure collection targets are met or exceeded. - Prepare and present performance reports to senior management. 4. Operational Efficiency: - Ensure efficient and effective collection operations within the cluster. - Oversee the implementation of collection policies and procedures. - Identify and address operational challenges to improve productivity. 5. Compliance and Risk Management: - Ensure compliance with all regulatory requirements and company policies related to collections. - Identify potential risks and implement measures to mitigate them. - Conduct regular audits to ensure adherence to collection protocols. 6. Customer Relationship Management: - Maintain a customer-centric approach in all collection activities. - Address and resolve complex customer issues escalated by Area Collection Managers. - Foster positive relationships with customers to enhance the company's reputation. 7. Training and Development: - Identify training needs for Area Collection Managers and their teams. - Organize and facilitate training sessions on collection techniques, compliance, and customer service. - Keep the team updated on new policies, procedures, and industry best practices. Qualifications and Skills: - Education: Bachelors degree in Finance, Business Administration, or a related field. MBA or equivalent is preferred. - Experience: Minimum of 7 years of experience in collections, with at least 5 years in a supervisory or managerial role in the JLG sector.
1. Leadership and Team Management: - Supervise and provide guidance to Area Collection Managers and their teams of Group Collection Managers. - Conduct regular meetings with Area Collection Managers to review performance and provide feedback. - Mentor and develop the leadership skills of Area Collection Managers. 2. Strategic Planning: - Develop and implement strategic plans to improve collection performance across the cluster. - Analyze collection data and trends to identify areas for improvement and implement corrective actions. - Ensure alignment of collection strategies with overall organizational goals. 3. Performance Monitoring: - Monitor and evaluate the performance of Area Collection Managers and Group Collection Managers. - Ensure collection targets are met or exceeded. - Prepare and present performance reports to senior management. 4. Operational Efficiency: - Ensure efficient and effective collection operations within the cluster. - Oversee the implementation of collection policies and procedures. - Identify and address operational challenges to improve productivity. 5. Compliance and Risk Management: - Ensure compliance with all regulatory requirements and company policies related to collections. - Identify potential risks and implement measures to mitigate them. - Conduct regular audits to ensure adherence to collection protocols. 6. Customer Relationship Management: - Maintain a customer-centric approach in all collection activities. - Address and resolve complex customer issues escalated by Area Collection Managers. - Foster positive relationships with customers to enhance the company's reputation. 7. Training and Development: - Identify training needs for Area Collection Managers and their teams. - Organize and facilitate training sessions on collection techniques, compliance, and customer service. - Keep the team updated on new policies, procedures, and industry best practices. Qualifications and Skills: - Education: Bachelors degree in Finance, Business Administration, or a related field. MBA or equivalent is preferred. - Experience: Minimum of 7 years of experience in collections, with at least 5 years in a supervisory or managerial role in the JLG sector.
Litigation Management Handle and monitor all litigation cases related to recovery, arbitration, civil, criminal, and regulatory matters within the region. Draft, review, and vet legal notices, petitions, affidavits, replies, and other legal documents. Coordinate with external advocates for filing cases, attending court hearings, and ensuring timely updates. Maintain a robust tracker for all ongoing litigations and ensure adherence to TATs. 2. Legal Advisory & Risk Mitigation Provide legal opinion and guidance to business, collections, operations, and branch teams on regional legal issues. Identify legal risks and recommend corrective actions to minimize exposure. Support teams in decision-making related to settlement, compromise, and legal recovery routes. 3. Compliance & Documentation Ensure compliance with RBI/NBFC regulations relevant to legal processes. Conduct periodic audits of legal documents, recovery procedures, and advocate performance. Ensure proper documentation and safe custody of legal files, court orders, and case records. 4. Advocate & Vendor Management Empanel competent advocates, valuers, and legal vendors in line with company policy. Evaluate and monitor advocate performance periodically. Negotiate commercial terms and ensure cost efficiency in litigation expenses. 5. Coordination with Internal Stakeholders Liaise with collections, operations, underwriting, and business teams for case inputs, document submission, and follow-up on legal actions. Provide training and awareness to field teams on legal processes, including SARFAESI, arbitration, and recovery laws. 6. Reporting & MIS Prepare regular litigation MIS and present updates to Regional/Zonal/Corporate Legal Teams. Report critical legal issues, high-value cases, and adverse orders immediately. --- Qualifications & Experience: LL.B / LL.M from a reputed institution. 3-5 years of experience in litigation management, preferably in NBFC/BFSI. Strong knowledge of recovery laws, arbitration, criminal & civil procedures, and regulatory compliance. Experience in handling advocates, drafting legal documents, and representing the organization in legal matters.
Drive the growth and performance of the group loans portfolio across all branches within the cluster. Develop and execute strategies to achieve cluster-level business targets, including disbursements, customer acquisition, and repayment rates. Supervise and mentor branch managers and loan officers, fostering a high-performance culture focused on customer service and compliance. Monitor portfolio quality and implement corrective actions to manage risks and minimize delinquencies. Build and maintain strong relationships with key stakeholders, including customers, community leaders, and local authorities. Conduct regular branch visits to ensure operational consistency and provide on-ground support. Analyze market trends and competitor activities to identify business opportunities and refine strategies. Ensure compliance with company policies, regulatory requirements, and ethical lending practices across the cluster. Prepare and present detailed reports on cluster performance, challenges, and opportunities to senior management. Qualifications: Bachelors degree in Business Administration, Finance, or a related field (MBA preferred). 6+ years of experience in microfinance, group lending, or financial services, with at least 3 years in a managerial role. Strong understanding of group loan products, credit assessment, and community-based lending models. Proven ability to manage teams and achieve business goals across multiple locations. Excellent communication, leadership, and analytical skills. Preferred Skills: Experience working in rural or underserved markets. Familiarity with financial inclusion initiatives and socio-economic challenges affecting group lending. Proficiency in regional languages to communicate effectively with diverse populations.
Drive the growth and performance of the group loans portfolio across all branches within the cluster. Develop and execute strategies to achieve cluster-level business targets, including disbursements, customer acquisition, and repayment rates. Supervise and mentor branch managers and loan officers, fostering a high-performance culture focused on customer service and compliance. Monitor portfolio quality and implement corrective actions to manage risks and minimize delinquencies. Build and maintain strong relationships with key stakeholders, including customers, community leaders, and local authorities. Conduct regular branch visits to ensure operational consistency and provide on-ground support. Analyze market trends and competitor activities to identify business opportunities and refine strategies. Ensure compliance with company policies, regulatory requirements, and ethical lending practices across the cluster. Prepare and present detailed reports on cluster performance, challenges, and opportunities to senior management. Qualifications: Bachelors degree in Business Administration, Finance, or a related field (MBA preferred). 6+ years of experience in microfinance, group lending, or financial services, with at least 3 years in a managerial role. Strong understanding of group loan products, credit assessment, and community-based lending models. Proven ability to manage teams and achieve business goals across multiple locations. Excellent communication, leadership, and analytical skills. Preferred Skills: Experience working in rural or underserved markets. Familiarity with financial inclusion initiatives and socio-economic challenges affecting group lending. Proficiency in regional languages to communicate effectively with diverse populations.
1. Role Objective To acquire and service gold loan customers, ensure quality underwriting, manage branch-level operations for gold loans, and drive business growth while maintaining high standards of compliance, customer service, and asset quality. 2. Key Responsibilities A. Business Development & Sales Achieve monthly gold loan disbursement and portfolio targets. Generate new customer leads through field visits, market mapping, references, and local tie-ups. Drive walk-in conversion and upsell/cross-sell relevant NBFC products. Monitor competitor schemes and provide inputs for pricing and customer retention. B. Customer Service & Relationship Management Provide prompt and courteous service to all gold loan customers. Ensure smooth processing of loan applications, valuation, documentation, and disbursement. Resolve customer queries and grievances within defined TAT. Maintain long-term relationships with high-value and repeat customers. C. Gold Loan Operations & Valuation Conduct preliminary gold appraisal and coordinate with the certified valuer for accurate valuation. Ensure proper weighing, purity testing, photographing, and secure packaging of gold ornaments. Maintain gold stock registers, vault management, and branch keys as per SOP. Ensure zero deviation in cash handling, documentation, and ornament storage. D. Portfolio & Risk Management Monitor due dates, interest collections, and renewals to ensure portfolio health. Follow up on early overdue cases to reduce NPAs. Ensure 100% adherence to KYC, AML guidelines, credit policies, and internal audit norms. Identify high-risk customers and escalate issues immediately. E. Compliance & Audit Ensure full compliance with all internal processes, RBI guidelines, and audit requirements. Maintain accurate MIS reports, system entries, registers, and customer documentation. Achieve zero audit observations by following SOPs strictly. 3. Skills & Competencies Required Strong understanding of gold loan operations and valuation basics. Good communication and customer handling skills. Ability to work with targets and meet business objectives. Basic knowledge of KYC, AML norms, and lending processes. Proficiency in MS Office and branch banking systems. Integrity, attention to detail, and trustworthiness (critical for gold handling). 4. Qualification Any Graduate (preferred). 13 years of experience in gold loan sales/operations in NBFC/Banks/MFI. 5. Key Performance Indicators (KPIs) Monthly disbursement achievement Portfolio quality & overdue management Customer satisfaction & retention TAT for loan processing Audit compliance score Cross-selling penetration
1. Role Objective To acquire and service gold loan customers, ensure quality underwriting, manage branch-level operations for gold loans, and drive business growth while maintaining high standards of compliance, customer service, and asset quality. 2. Key Responsibilities (KRA-Based) A. Business Development & Sales Achieve monthly gold loan disbursement and portfolio targets. Generate new customer leads through field visits, market mapping, references, and local tie-ups. Drive walk-in conversion and upsell/cross-sell relevant NBFC products. Monitor competitor schemes and provide inputs for pricing and customer retention. B. Customer Service & Relationship Management Provide prompt and courteous service to all gold loan customers. Ensure smooth processing of loan applications, valuation, documentation, and disbursement. Resolve customer queries and grievances within defined TAT. Maintain long-term relationships with high-value and repeat customers. C. Gold Loan Operations & Valuation Conduct preliminary gold appraisal and coordinate with the certified valuer for accurate valuation. Ensure proper weighing, purity testing, photographing, and secure packaging of gold ornaments. Maintain gold stock registers, vault management, and branch keys as per SOP. Ensure zero deviation in cash handling, documentation, and ornament storage. D. Portfolio & Risk Management Monitor due dates, interest collections, and renewals to ensure portfolio health. Follow up on early overdue cases to reduce NPAs. Ensure 100% adherence to KYC, AML guidelines, credit policies, and internal audit norms. Identify high-risk customers and escalate issues immediately. E. Compliance & Audit Ensure full compliance with all internal processes, RBI guidelines, and audit requirements. Maintain accurate MIS reports, system entries, registers, and customer documentation. Achieve zero audit observations by following SOPs strictly. 3. Skills & Competencies Required Strong understanding of gold loan operations and valuation basics. Good communication and customer handling skills. Ability to work with targets and meet business objectives. Basic knowledge of KYC, AML norms, and lending processes. Proficiency in MS Office and branch banking systems. Integrity, attention to detail, and trustworthiness (critical for gold handling). 4. Qualification Any Graduate (preferred). 1 to 3 years of experience in gold loan sales/operations in NBFC/Banks/MFI. 5. Key Performance Indicators (KPIs) Monthly disbursement achievement Portfolio quality & overdue management Customer satisfaction & retention TAT for loan processing Audit compliance score Cross-selling penetration