148389 Jobs in Maharashtra - Page 36

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.

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 Post Graduate/ Graduate in any discipline

Role Responsibilities: Acquire mid-corporate clients and convert leads into business relationships. Manage and grow client portfolios through relationship building and cross-selling. Structure customized financial deals and present proposals. Ensure credit risk assessment and regulatory compliance. Job Requirements: Graduate or Postgraduate in any discipline. 46 years of experience in mid-corporate finance or relationship management. Strong understanding of financial products including working capital and term loans. Skilled in credit analysis, portfolio growth, and deal structuring.

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 company's base of customers for home loan and LAP channels 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.

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.

Role Responsibilities: Acquire mid-corporate clients and convert leads into business relationships. Manage and grow client portfolios through relationship building and cross-selling. Structure customized financial deals and present proposals. Ensure credit risk assessment and regulatory compliance. Job Requirements: Graduate or Postgraduate in any discipline. 46 years of experience in mid-corporate finance or relationship management. Strong understanding of financial products including working capital and term loans. Skilled in credit analysis, portfolio growth, and deal structuring.

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.

Client Acquisition: Lead efforts to acquire new clients in the mid corporate sector, identifying prospects, and converting them into valuable business relationships Client Relationship Management: Build and maintain strong relationships with corporate clients in the Mid 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. Qualifications - Minimum Degree: Graduate/Post graduate in any discipline .

Specialized job competencies: Understanding of financial statements, and financial analysis of corporates / mid-corporates Proficient writing skills, for preparing credit appraisal note, in concise manner, while at the same time bringing out all the key aspects of a transaction Financial modelling skills (MS-Excel) for preparing business plan / financial projections. Domain expertise in sectors under coverage Understanding of banking / lending business, and the regulatory aspects in relation to the same Research oriented approach of working with an eye for detail. Term sheet Drafting Identifying key drivers, risks and key issues in the transaction being evaluated, and leading the discussions with client and other stakeholders (LIE, rating agencies, etc) for understanding key aspects/risks of the transaction, and obtaining suitable clarifications on the same, with the objective of making the transaction bankable.

Pre-Delinquency Management (PDM) Strategy & Early Risk Mitigation Develop a proactive PDM strategy to identify customers at risk of missing payments before they enter delinquency. Utilize in house tool AI-based risk models, BI Dashboard and early warning signals (EWS) to segment high-risk borrowers and implement early interventions. Implement automated digital engagement (SMS, WhatsApp, IVR calls, emails, in-app notifications) to encourage timely payments. Work closely with sales team and DSMG to improve collection efficiency in X bucket along with customer onboarding and risk profiling for better portfolio quality. Introduce customer education programs and financial literacy initiatives to promote responsible repayment behavior. X-Bucket Recovery & Loss Mitigation Develop and execute high-delinquency (X-Bucket) recovery strategies to maximize collections from aged overdue accounts. Coordinate with legal, arbitration, and settlement teams to resolve X-Bucket cases through legal and out-of-court settlements. Implement skip tracing, asset repossession, and field collection strategies for untraceable or non-responsive customers. Strengthen recovery agent networks and external collection agency collaborations for high-risk accounts. Design performance-linked incentives and collection efficiency targets for X-Bucket recovery teams. Digital & Technology-Based Collections Leverage LMS, CRM, and AI-driven analytics to track repayment behavior and optimize collection strategies. Implement self-service payment portals, digital repayment links, and fintech partnerships for seamless recoveries. Explore automated chatbots and AI-driven reminders to enhance early-stage interventions and X-Bucket recoveries. Work with BI teams to develop risk-based dashboards for tracking PDM and X-Bucket performance. Compliance, Risk, & Customer-Centric Approach Ensure strict adherence to RBI/NBFC collection regulations and ethical collection practices. Work with risk and compliance teams to handle fraud-related cases in delinquency and X-Bucket segments. Implement fair and customer-friendly resolution approaches while maintaining collection efficiency. Performance Monitoring & MIS Reporting Track PDM effectiveness, delinquency roll-back rates, and X-Bucket recovery trends through data analytics. Provide detailed MIS reports and insights to senior management for strategy improvements. Analyze root causes of slippages and propose corrective measures for portfolio stabilization. Individual Contributor & Cross-Functional Collaboration Handle high-value and sensitive X-Bucket accounts for direct resolution and settlement negotiations. Collaborate with collections, legal, sales, and risk teams to align strategies and improve overall portfolio performance. Train and mentor collection officers and recovery agents on best practices in PDM and X-Bucket recoveries. Key Skills & Competencies: Expertise in Pre-Delinquency (PDM) management and X-Bucket recovery strategies Strong analytical skills in delinquency forecasting, risk segmentation, and collections optimization Experience with digital collection tools, AI-based analytics, and fintech repayment solutions Proficiency in Excel, SQL, and BI tools for performance tracking & reporting Knowledge of RBI/NBFC collection regulations and ethical recovery practices Excellent stakeholder management, negotiation, and compliance handling skills Qualifications : MBA/PGDM in Finance, Business, or a related field.

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 company's 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.

Specialized job competencies: Maintain effective client relationship to originate business & service client needs on corporate and Investment banking Devise financial solutions to meet company`s banking and financial advisory requirements Achieve individual targets and grow account profitability, while maintaining high service standard and compliance Add value to the client and stay ahead of competition by structuring and implementing innovative deals Structure and present new credit proposals to Credit/ Risk teams Ensure stability of income from existing set of clients and explore avenues for new income Cross selling of other products

Business Development, Portfolio Performance Analysis, Portfolio Modeling, Portfolio Management and Business Analytics, Financial Analyst, wealth Management Managing PL of the Region and Building up Market Share Owning and Establishing Tata Capital Wealth Management Brand for the regions Recruitment, Nurturing talent, Hand Holding Reviewing team s performance for optimisation of revenues Co Owning clients of the team Address HNI and ultra 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 various 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) and UHNIs Clients Profiling Customers and provide financial products to meet customer needs MBA/PGDBA/PGPM or Equivalent/ AMFI / NISM , IRDA certified

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 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.

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

Detailed analysis of financial statements, including financial ratios, and notes to accounts, for proposed borrowers and promoter / borrower groups Commentary on the financial analysis, including explanation for large / material variations and key ratios Review of Project documents, and supporting the credit managers in preparing summary of Project documents for credit note purpose Preparation of internal MIS required for credit underwriting team.

Coordination across various functions within TCL, including sales, credit, legal, risk, and operations. Foster relationships with key industry stakeholders, including government bodies, clients, research institutions, industry associations, and potential collaborators, to gather up-to-date market information and engage in market outreach activities for TCL.

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

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

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

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

New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc. , based on their specific needs. Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking.

Client Acquisition: Lead efforts to acquire new clients in the mid corporate sector, identifying prospects, and converting them into valuable business relationships Client Relationship Management: Build and maintain strong relationships with corporate clients in the Mid 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. Qualifications - Minimum Degree: Graduate/Post graduate in any discipline .