Established in 2019, CS India is one of the countrys fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Key Responsibilities: • Co-ordinate with Wholesale business team and internal stakeholders to ensure the smooth workflow between wholesale business, operations, finance, legal and other support verticals. • Ensure the compliance with all sanction terms, KYCs assortment, assisting clients on documentation, aligning the pre-disbursement checklists/conditions & taking necessary approvals on deviation & deferral requests. • Manage the clients’ (Financial Institutions & Enterprises) conversations effectively as required. Ensure the clients are being serviced well and address their issues if any, to resolve. • Manage and follow up for obtaining transactional documents, charge creation/charge satisfaction, NOC/NDC issuances, statement of accounts, balance confirmation and other key deliverables between clients & internal stakeholders. • Responsible for collection of End use certificates, security & collateral items, periodical book debts, issuance of Pari-passu letters, etc., and ensuring the adequacy of security cover as per sanctioned terms. • Prepare and maintain the wholesale business vertical’s MIS in terms of transactions, post disbursement activities & security items. • Custody services of keeping all documents, certificates & other deliverables for Audit requirements and should maintain the confidentiality of data & records. • Aware about Companies Acts, RBI regulatory guidelines, especially in KYC & AML policies and other directive measures. Performance Indicators: • Ensure the clients & clients facing stakeholders are provided the best possible support. • Strict adherence, accurate and timely deliverables to various internal and external groups. • Drive a process improvement initiative on a continuous basis. • Team & stakeholders management Desired Profile: • M. Com/M.F.C/B.B.A/B.Com/Any UG/PG programs relevant to Finance • 0-2 years of experience in NBFC/Banking, preferably in corporate lending operations or Mid-office functionalities. Skills Required: • Sound Knowledge in Operations/Mid- office or back-office functionalities • Expert in Word, Excel & Power Point modules. • Analytical & Interpersonal skills

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Job Title: Relationship Officer Department: Secured- Direct Reports To: Sales Manager Job Summary: We are seeking a motivated and results-driven Relationship Officer to join our Secured Direct lending team. The primary responsibility of this role is to source and process loan applications through self-sourcing and a network of connectors The candidate will be the face of the organization, building strong client relationships while ensuring adherence to compliance and credit guidelines. Key Responsibilities: Loan Sourcing: Proactively generate leads through self-sourcing (cold calling, field visits, referrals, digital platforms, etc.). Build and manage a reliable network of connectors such as property dealers, chartered accountants, and other channel partners to source loan applications. Conduct regular follow-ups with leads to maximize conversion. Client Relationship Management: Engage with prospective borrowers to understand their financial needs and provide suitable loan products. Maintain relationships with existing customers to encourage referrals and repeat business. Application Processing: Collect, verify, and ensure timely submission of all necessary documentation required for loan processing. Coordinate with internal credit and operations teams to ensure smooth processing and disbursal of loans. Compliance and Reporting: Ensure all applications comply with regulatory and organizational credit guidelines. Maintain accurate records of lead sourcing, customer interactions, and loan application statuses. Prepare and submit daily/weekly/monthly reports to management. Qualifications and Skills: XII cleared. 1-2 years of experience in Direct sourcing of Affordable Mortgage loans ( LAP and HL) Understanding of Legal and Technical aspects of mortgage loans Good understanding of local economy. Good communication, interpersonal, and negotiation skills. Proven ability to achieve sales targets and build strong partner networks. Self-motivated with a result-oriented approach. Key Performance Indicators (KPIs): Number of loans sourced (monthly/quarterly targets). Conversion rate from lead to disbursal. Value of loans disbursed. Quality and productivity of sourced leads (NPA % and rejection rate). Expansion and effectiveness of connector network. Compensation: Fixed salary + performance-based incentives Allowances as per company policy

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Job Description: We are looking for a Relationship Officer for LAP Vertical. CTC- upto 3 Lakh Product LAP. Experience- Minimum 1 Year Only LAP Sales experience is preferable. Location- Pune and Mumbai Preferred candidate profile

Job Description: We are looking for a Relationship Officer for LAP Vertical. CTC- upto 3 Lakh Product LAP. Experience- Minimum 1 Year Only LAP Sales experience is preferable. Location- Pune and Mumbai Preferred candidate profile

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process

Roles and Responsibilities: 1. Performing assessment duties within the defined risk philosophy of the company 2. Credit appraisal of loan applications within the defined policy guidelines and accordingly take decision or recommend for approval to higher authorities 3. Ensuring due diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loans 4. Interact with customers and co-lending partners to regularly monitor delinquencies and early warning triggers 5. Work closely and collaborate with the teams of Business development, Tech, Product and Operations & support on offering innovative products 6. Working in sync with the data analytics team to proactively contribute towards real time calibration of credit policies 7. Delivering quality portfolio along within defined TAT and extending support for collection activities whenever required 8. Promoting the culture of team work within the team 9. Monitoring and ownership of a complete product portfolio amongst different products/partnerships we may work with. Monthly analysis of parameters like customer base, industry/ segment profile , loan average ticket size and tenure; if are within the decided norms 10. Keep a close eye on market and economic developments relevant for our business and share the learnings within the team 11. Active participation in special projects that may be assigned from time to time ensuring continuous improvement of the portfolio quality and underwriting process