104047 Jobs in Karnataka - Page 31

Job Summary 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

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

Job Summary Leading a sales team of Sales Officer / field staffs to augment the Business Correspondent (BC) network of various financial institution & Direct channel business. Build strategic partnerships with Universal Banks, NBFCs, NBFC-MFIs, Payment Banks, Small Finance Banks to provide an array of financial products and services for the channel partners. Business development & expansion on business correspondence alliance partners Innovate & develop retail asset products e.g. JLG Loans, Secured & Unsecured MSME Loans to suit the target customers and geographies. Sales strategies to improve market share and Identification of business potential areas / districts for expansion of region 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 and setting up new business correspondence alliance partners Ensure business growth and diversity of products in the region as per business plan Create a support function structure in line with the product requirement to facilitate the appraisal, documentation, disbursement, repayment and delinquency management Formulating collection strategy of your region and Preventative / risk averse measure to maintain quality portfolio Plan / design sales contest at regional levels Filed visits to monitor & guide the loan officers Responsible for work force planning, recruitment & training, suited to handle various asset products across geographies Ensuring staff skill development through meetings and continuous monitoring of various clusters on regular basis by identifying training needs as per the market trends and new business opportunities Maintaining resource optimisation & operational cost. Branch identification in your respective designated areas of operation. Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc related issues in your region. Implementing best business practices and developing company strategies and programs while ensuring strict compliance and integrity. Min 5yrs exp + Experience working in a NBFC, NBFC MFI, SFB or Bank At least 2 years in a team handling and leadership role. Must be familiar about business correspondent model working with top lending institutions & direct lending business. Must have handle BC & JLG business. Key Skills Relationship management, Business sourcing & portfolio management, Well versed with understanding of credit underwriting, Understand critical attributes of legal and governance requirements, Good acumen of technology and automation,

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

Sales Process Management o 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. o Retain and expand the company's base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o 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 o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems.

Job Summary 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.

Tata Capital Ltd is looking for Manager - Credit - Housing - DM to join our dynamic team and embark on a rewarding career journey Credit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities

Job Summary o 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) o Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it. o Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payouts o Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. o Track control the delinquency of the area (Bucket DPD wise) and focus on nonstarters o Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT o 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 o 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 o Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA. o Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio initiate detailed account level review of high ticket accounts o Ensure compliance to all Audit / NHB /IRB regulations as well as policies and procedures of the company

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

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

Responsibilities: 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

Key Deliverables: Underwrite mortgage business and manage the portfolio in the assigned branch/location Assess loan applications and recommend approval decisions to higher authorities Review credit proposals, ensuring industry, business, financial, and collateral risks are identified and mitigated Build and maintain effective relationships with third parties for better client outcomes Role Responsibilities: Conduct personal discussions with customers to assess creditworthiness and ensure document completion Maintain Portfolio MIS, Delinquency MIS, and other operational reports Enable quick turnaround of credit proposals in close coordination with the sales team Ensure compliance with credit risk management, documentation, and legal requirements

Key Objective of the Job: Achieve collection targets assigned to the territory while ensuring legal guidelines are adhered to across the entire collection structure. Core Responsibilities: Maintain Collection Efficiencies: Ensure collection efficiencies across assigned buckets as per the established structure. Identify and initiate legal actions for critical accounts, ensuring timely execution of legal tools. Drive NPA Reversals and Write-off Recoveries: Focus on reversing NPAs and recovering written-off amounts. Ensure timely initiation and execution of legal actions (e.g., warrants, Sarfaesi actions). Legal Coordination: Coordinate with the legal team and lawyers for timely filing of Sec and obtaining DM orders. Ensure smooth and timely possession of assets through enforcement agents. Portfolio Management: Manage portfolio movement and allocate portfolios across team members based on demography and volume. Monitor trail/feedback through M collect and delinquency files. Collection Process: Take steps to ensure the receipt and timely deposition of payments through digital modes. Maintain zero delinquency within required parameters and company policies. Publish MIS reports and review daily collections. Customer Satisfaction: Ensure customer satisfaction by resolving issues and complaints quickly. Visit critical or high-value customers to manage anticipated slippages. Debt Recovery: Monitor and facilitate the recovery of bad debts while managing legal proceedings. Ensure in-house officers/agencies perform as per the defined SLAs and reduce vendor costs. Team Management and Productivity: Manage productivity by setting collection parameters for DMA, agencies, and executives. Monitor performance against set parameters and conduct daily reviews of collection managers and monthly reviews of collection officers. Training and Supervision: Lead and supervise the collections team, implementing a recovery agenda through training, motivation, and strategic deployment. Compliance: Ensure compliance with all audits, NHB, IRB regulations, and company policies and procedures.

Perform in-depth industry, market and competitor research Perform valuation analysis on a wide range of companies using all accepted and relevant asset valuation approaches and theories Design valuation models for asset valuation Independently gather data pertinent to the engagement through direct client interaction and on site collection of data relating to client assets Inspect various assets including Residential, Commercial and Industrial properties / assets etc. Identify develop new streams for revenue growth and maintain relationships with builders to achieve repeat business and chalk out ways to generate revenue. Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations. Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends. Segment markets based on property types and identify properties with high risks or in negative areas (e. g. low-line, very low chance of resale, poor quality construction, old constructions areas etc. ) Guide and develop technical policy and monitor the portfolio/ delinquencies related to technical aspects of respective geography. Develop checks and process to control fraud, built database and deduce for multiple funding or excess funding on properties e. g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc. ) Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations. Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding. Conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization. Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications. Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size. Manage the vendors involved in the technical evaluation process. Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process. Work closely with the legal counterpart on the technical evaluation front. Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation. Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business. Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market. Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken. Graduate : Yes (Diploma/ Degree in Civil/ Architecture) Desired Experience: Minimum 2 years in the field.

Manage the real estate portfolio and provide in-depth analysis for allotted region ensuring efficiency, compliance, and consistency. 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.

Job Summary 1. 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) 2. Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it. 3. Increase the fee income / revenue and develop initiatives to control and reduce the amount of vendor payouts 4. Conduct asset verifications and possession as per SARFESI / Section 9 process through court receivers. 5. Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters 6. Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT 7. 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 8. 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 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.

Job Summary 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, emplacement 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

Perform in-depth industry, market and competitor research Perform valuation analysis on a wide range of companies using all accepted and relevant asset valuation approaches and theories Design valuation models for asset valuation Independently gather data pertinent to the engagement through direct client interaction and on site collection of data relating to client assets Inspect various assets including Residential, Commercial and Industrial properties / assets etc. Identify develop new streams for revenue growth and maintain relationships with builders to achieve repeat business and chalk out ways to generate revenue. Liaison with valuation agencies, real estate developers and local government bodies for market analysis and market updations. Build and strengthen relationships with key builders/ developers and get project approvals on technical aspects and thereafter help monitor constructions status on periodic intervals. Organize and maintain such project database and provide periodic reports to management on activities and trends. Segment markets based on property types and identify properties with high risks or in negative areas (e. g. low-line, very low chance of resale, poor quality construction, old constructions areas etc. ) Guide and develop technical policy and monitor the portfolio/ delinquencies related to technical aspects of respective geography. Develop checks and process to control fraud, built database and deduce for multiple funding or excess funding on properties e. g. circle rates, reference rates to credit team, database of properties under dispute as per securitization notices by different banks as public notices, properties under public notice/ court notice/ in tech agencies data base under dispute etc. ) Scrutinize project approvals for the organization, timely monitoring and ensuring compliance on legal and technical aspects and their timely updations. Analyze new upcoming residential projects in the zone and facilitate its fast approval for advanced processing and funding. Conduct property audits to analyze collateral risk and manage quality real estate portfolio of the organization. Keep track of the development in real estate market and its impact upon lending parameters, property valuations and other financial implications. Monitor market feasibility of project for industrial, residential, commercial or institutional project, periodically checking property documents and presenting bylaws violation as per plot size. Manage the vendors involved in the technical evaluation process. Train and evaluate the proficiency levels of the team on a regular basis while maintaining TAT targets for the technical evaluation process. Work closely with the legal counterpart on the technical evaluation front. Carry out spot checks on a frequent basis and maintain an MIS related to the technical evaluation. Help collections tie-up with brokers and negotiate rates for resale of properties surrendered, takeover through legal process, or any other property bought rented by business. Help maintain a healthy portfolio through the preparation of feasibility reports, valuation reports, project monitoring reports and market surveys to gather data on the real estate market. Understand and analyze risks associated with property / project / market / developer and analyze exposure that can be taken. Graduate : Yes (Diploma/ Degree in Civil/ Architecture) Desired Experience: Minimum 2 years in the field.

Job Summary 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 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 Education : Graduate in any discipline

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 Education : Graduate in any discipline

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 Education : Graduate in any discipline

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 Education : Graduate in any discipline

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.