104047 Jobs in Karnataka - Page 29

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

Job Summary 1. Originate NTB prospects through direct sourcing and open market channels 2. Acquiring customers and taking their proposal up to the stage of disbursement. 3. Meeting existing customers to generate business opportunities thereby generating revenue 4. Catering to the business having a turnover of Rs 100 to 500 crs in Emerging Business, Rs 500 to 1000 crs in Mid Corporate and Rs 1000 crs & above in Large Corp with different working capital facilities such as Overdraft, Cash credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc as per the clients need. 6. Managing customer relationships; addressing both service & sales queries for customers with an objective to engage & retain customers. 7. Identifying new segments & set up new trade verticals for prospective business opportunities at different locations/regions new to the company. 8. Recommend & introduce new services with an objective to engage customers & generate fee income. 9 Acquisition of Emerging Corporate Profile customers 10 Cross sell other retail

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

Job Purpose Responsible for initiating calls to potential or existing customers for home loan products, leads conversion, meeting performance targets, and delivering excellent customer experiences. Responsibilities Core Responsibilities: Customer Outreach: Make outbound calls to customers based on assigned leads or data. Introduce HL /LAP products, services, and offers. Explain the features and value propositions clearly. Lead Generation: Identify customer needs and qualify leads for the sales team. Document interactions and update customer records accurately. Sales and Upselling: Convince customers to purchase or upgrade products and services. Achieve individual sales targets consistently. Customer Relationship Management: Handle objections and resolve queries efficiently. Reporting and Feedback: Maintain accurate call logs and activity reports. Provide feedback to management regarding customer trends and challenges. Compliance and Quality Assurance: Adhere to company policies, scripts, and call guidelines. Ensure compliance with company standards and data protection policy. Qualification: Graduate , Masters / Postgraduate

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

Key Objective of the Job: To drive the collection process of receivables across multiple sources, thereby reducing the total outstanding and the associated average number of days, while continuing to make efforts to keep the client partnership intact. Correspond with multiple sources to negotiate payment schedules that suit the customer's current financial situation while still satisfying the debt. Keep track of the portfolio for specific buckets for the assigned area and control the delinquency of the area, bucket-wise & DPD wise as well as focus on non-starters. Provide efficient customer service regarding collection issues, process customer refunds, process, and review account adjustments, resolve client discrepancies and short payments. Monitor and maintain customer account details for non-payments, delayed payments, and other irregularities, making customer calls, account adjustments, small balance write-off, customer reconciliations, and processing credit memos where necessary. Ensure customer files are updated, recording times and dates that contact has been made and noting information that customers have received about their debt. Trace defaulters and assets in coordination with the agency's tracing team and suggest remedial course of action. Identify defaulting accounts and investigate reasons for default while continuing to make efforts to maintain a healthy relationship with the customer. Enlist the efforts of sales and senior management when necessary to accelerate the collection process, including supporting the collection manager (court receiver) in repossessing assets and seeking legal and police support where required. Ensure compliance with all audit/regulatory bodies as well as policies and procedures of the company. Educational Qualification: Graduate

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross-sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations

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

Job Summary Business Development, Portfolio Performance Analysis, Portfolio Modeling, Portfolio Management and Business Analytics, Financial Analyst, Wealth Management Address HNI clients for investment requirements, through exclusive product bouquet and superior and seamless service delivery to assist client in achieving his short term and long term investment goals via proper profiling and offering of Debt products, Structures, Equities, MFs and Fund based Real Estate products and other Investment products. Assisting the development and implementation of marketing plans for acquiring new customers in the corporate space and formulate acquisition initiatives. Acquisition and Handling a group of HNI (High Net Worth Exclusive) Clients Profiling Customers and provide financial products to meet customer needs Deepen the relationship by Cross selling to mapped broking clients and Services according to Customer Needs To Enhance Retain customer profitability by capturing larger share of Wallet Ensure profitability of the portfolio: Generate high Income per Customer Acquire new customers who meet product criteria through cross-refer MBA/PGDBA/PGPM or Equivalent/ AMFI / NISM , IRDA certified

Job Summary Client Relationship Management: Build and maintain strong relationships with corporate clients in the Emerging Corporate segment. Understand clients financial goals, challenges, and opportunities. Identify new business opportunities and revenue streams within the corporate finance sector. Expand the client base and promote financial products and services. Deal Structuring: Collaborate with clients to structure financial deals tailored to their specific needs. Prepare and present proposals to clients. Credit Solutions: Offer credit solutions, including working capital facilities, overdrafts, term loans, and other financial products. Assess creditworthiness and risk factors associated with clients. Portfolio Growth: Focus on portfolio growth by cross-selling financial products and services. Achieve budgetary targets for Net Interest Income (NII) and fee income. Financial Analysis: Analyze financial statements, credit reports, and market trends to assess client performance and risks. Develop insights to enhance client portfolios. Compliance: Ensure strict compliance with all audit, regulatory, and company regulations, processes, and policies.

Active engagement with sales team to resolve day to day hurdles related to product and processes Co-ordinating with various function like IT, Sales, Credit and Operations team to resolve query on time and provide adhoc support where so ever required. Identify the product gap, conduct research on the product development, test the viability of the product and process, communicate the new launch of product and processes. Ensure adequate training interventions on systems and processes while monitoring progress and publishing figures Drive employee contests and incentives so as to increase motivation and productivity levels of employees. Drive the sale of supplementary products such as insurance, etc so as to as to secure the portfolio and increase the fee income; including designing and conducting sales contests and running marketing campaigns Identify training needs of the team and ensure that all the employees across the regions are trained on products and processes. Identifying and providing inputs for building technology roadmap for microfinance business Provide adhoc marketing support in raising requests from teams and providing collaterals. At least 3 years in managing product and systems. Same domain experience will be plus point. Experience of working on Br Net system would be preferred. Key Skills Good acumen of technology and IT platforms (LOS/LMS) Query management and tracking Effective communication Post Graduate/ Graduate in any discipline

Core Responsibilities: Maintain collection efficiencies across buckets assigned as per structure Identification and Initiation of Sec-for Critical account Drive NPA reversals and Write off recoveries. Ensure timely initiation and execution of legal tool: Warrants execution under Section - Section - Timely execution Sarfaesi. Ensure coordination with Legal team/Lawyers for timely filing of Sec and obtaining DM orders & Enforcement of agents for timely and smooth possessions. Manage portfolio movement & timely allocation of portfolio across team member s basis demography spread and volume. Ensure trail/feedback should be manage in M collect and delinquency file. Take adequate steps to ensure collection of receipts (digital modes) and deposition of customer s payment in respective accounts within timeline. Ensure customer satisfaction through quick resolution of customer issues and complaints and by visiting on critical or anticipated slippages and on high value/ strategic customers Analyse & maintain zero delinquency within required parameters / policies and systems while publish MIS and review daily collections. Take adequate steps to ensure receipt of payments and recovery of bad debts while monitoring legal proceedings with in house & external legal team/advocates. Ensure that all the in-house officers / agencies in the location perform as per defined SLA while reducing costs incurred through vendors Manage productivity by fixing productivity parameters for DMA / Agencies / collection executives monitoring performance against set parameters and daily review of collection managers and monthly review of collection officers. Lead and supervise the collections team for the implementation of a recovery agenda through appropriate training, motivation and deployment strategies Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company

Key Objective of the Job: Achieving business targets as laid down by acquiring new client relationships through the multiple Digital journeys. Proactively understanding customer needs and cross- selling multiple products as per the requirements Should adhere to all policies and guidelines for updating leads as well as closures along with all the best practices that are put in place by the Business team. Execute all activities / campaigns as planned by the respective Digital Sales Manager Displaying customer centricity by executing all customer interface processes within defined timelines. Collaboration with various internal / external teams (Contact Center, Internal Business teams, Aggregators) to ensure timely service to all customers seeking a mortgage product Major Deliverables: Meet & exceed business targets in terms of profitability, optimum product mix and quality of sourcing Should prove to be the one-point contact for all financial needs for his/ her customer Zero error in adherence to policies and systems as specified Quality of files sourced should be as per specified guidelines Forging targeted number of client relationships within the agreed timelines Meet & exceed customer acquisition targets Timely update for all leads shared by Internal / External stakeholders. Meeting sales targets for HL products in the assigned territory Ensuring the customer satisfaction matrix is met for all client relationships Timely MIS reporting to all concerned. Clear the certification examination within specified timelines Specialized job competencies: Knowledge about all financial products like Home Loans, Mortgages Knowledge about statutory compliance & local market procedures Knowledge about legal agreement reviews, Data Uploads across SFDC, Ability to crunch large data & present the same for opportunity sizing. Excellent communication and presentation skills - Should be able to talk and convince both internal and external stakeholders & execute actionable s in a timely manner.

Job Summary 1. Knowledge of Asset backed lending, good market intelligence, good analytical skill and good communication skill Collaborative & Co-ordinations Skills 2. Aggressively drive the sales numbers and achieve the business targets while continuing to enhance and upgrade the client relationships. 3. Retain and expand the companys base of customers so as to ensure repeat business or referrals 4. Maximize sales through a network and by effectively managing relationships to ensure strong business. 5. Facilitate the development of a robust business plan so as to improve the disbursal patterns 6. Identify and develop new relationships so as to penetrate new markets and thereby increase business

Core Responsibilities: 1. Regular monitoring of the real estate portfolio by conducting periodic asset quality review through project site visits , data analysis , meetings, etc 2. Ensuring post disbursal compliance as per the sanction terms including, security perfection and appropriate charge creation along with filling in ROC (Registrar of Companies), disbursement milestones etc for the assets securing the facility 3.Identifying early warning signals 4.Preparing of Asset quality review notes for allotted region in timely manner. The AQR notes are extensive and needs to be made by the candidate, covering exposure movements, compliances, RERA , projections vs actual variances etc and highlighting variances and recommending corrective actions and presentation as per DoA (Delegation of Authority) 5.Liaisoning with Audit Firms , Legal and Technical vendors for getting reports on timely manner 6.Participating in preparation of facility documents for disbursements 7.Follow up for Post Disbursal documents (PDD) , MIS preparation and publication 8.Working on SICR (significance in credit risk) reporting to NHB. 9.Handling internal and externals Audits - requirements. 10.Process mapping and Process Improvement related to the business. 11.NOC management and issuance 12.Escrow account management.

Responsible for personal discussion of cases as per the laid down policies & procedures and maintain strict adherence to quality Adhere to agreed SLAs and timelines in completing the activities assigned A skill set of underwriting, disbursements, collateral, coordination with cross function sales operation function Responsible for protecting company assets through proper evaluation of all credit requests, establishing credit limits and ensuring that all loans granted are adequately documented and secured by the appropriate collateral Ensure proper communication of credit decisions to Stakeholders Responsible for improving underwriting efficiencies while ensuring adequate risk management Responsible for Loan Account Verification, Cross Verification (Member House Visit), KYC Check, Bank Passbook and other Document Check, Income and Expense Assessment, Check on Influence of Middleman, Negative Area Check, CPC Checklist Verification, Loan Card Check of other Lending Institutions, Bucket Monitoring, Death Case Verification, Branch Compliances and ICQ Observation Closure

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

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

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

Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket) Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it. Increase the fee income / revenue and develop initiatives to control and reduce the amount of vendor payouts Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaulting Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in force

Job Summary To ensure the achievement of disbursement targets with minimum delinquency Identifying Joint liability Groups & disbursed loans, to suit the target customers and geographies. Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas. Disbursement, repayment and delinquency management, achieving daily / weekly collections targets Makes a close follow up of the disbursed loans, especially of the ones not paying on time. Undertake regular field visits, Centre Meeting and loan applicants Maintaining portfolio quality by tracking & controlling Normal dues, Nonstarters, Delinquency, & Frauds. Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensuring weekly / daily meetings & visit to centre Fresher to maximum of 5yrs exp + as a sales officer in microfinance business Basic understanding about Microfinance business and JLG model working would be preferred. Key Skills Relationship management, Business sourcing Flair for sales Understand critical attributes of customer service

Job Summary To provide a clear plan for the product, outlining goals as well as potential risks, challenges and opportunities. Also in charge of developing a strategy to sell a product. Post Graduate/ MBA Finance & Marketing 1. To develop a strategy from inception to completion of a product. 2. Work with the Sales, Credit & Risk teams to develop the product, with marketing team to effectively market the product and outside vendors to distribute and sell your product. 3. To complete financial analysis to model the product s cost and potential margin. 4. In charge of driving different teams and departments to make sure you achieve all of your initial goals. 5. To present your strategy to partners and shareholders. 6. Layout a plan to achieve the objective and mitigate the potential risks and highlight the opportunities. 7. Build network and pitch the product to third-party vendors

Portfolio Growth: Focus on portfolio growth by cross-selling financial products and services. Achieve budgetary targets for Net Interest Income (NII) and fee income. Financial Analysis: Analyze financial statements, credit reports, and market trends to assess client performance and risks. Develop insights to enhance client portfolios. Compliance: Ensure strict compliance with all audit, regulatory, and company regulations, processes, and policies.

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

Achieving business targets as laid down by acquiring new client relationships through the multiple Digital journeys. Proactively understanding customer needs and cross- selling multiple products as per the requirements Should adhere to all policies and guidelines for updating leads as well as closures along with all the best practices that are put in place by the Business team. Execute all activities / campaigns as planned by the respective Digital Sales Manager Displaying customer centricity by executing all customer interface processes within defined timelines. Collaboration with various internal / external teams (Contact Center, Internal Business teams, Aggregators) to ensure timely service to all customers seeking a mortgage product Major Deliverables: Meet & exceed business targets in terms of profitability, optimum product mix and quality of sourcing Should prove to be the one-point contact for all financial needs for his/ her customer Zero error in adherence to policies and systems as specified Quality of files sourced should be as per specified guidelines Forging targeted number of client relationships within the agreed timelines Meet & exceed customer acquisition targets Timely update for all leads shared by Internal / External stakeholders. Meeting sales targets for HL products in the assigned territory Ensuring the customer satisfaction matrix is met for all client relationships Timely MIS reporting to all concerned. Clear the certification examination within specified timelines Specialized job competencies: Knowledge about all financial products like Home Loans, Mortgages Knowledge about statutory compliance & local market procedures Knowledge about legal agreement reviews, Data Uploads across SFDC, Ability to crunch large data & present the same for opportunity sizing. Excellent communication and presentation skills - Should be able to talk and convince both internal and external stakeholders & execute actionable s in a timely manner. Graduate: Yes