3418 Kyc Jobs - Page 27

Note: Candidates preferred from only Indian Banks and Fintech industry. Purpose of the Job (Brief) The incumbent will be responsible to ensure that Bank complies with AML regulations and provides necessary support to the Compliance function in monitoring of transactions. Deliverables (Maximum 5-6 key responsibilities) Closure of alerts with respect to AML Recommending STRs on cases fit for STR filing To do various transaction monitoring activities Preparation and Updation of data for FIU reporting Suggesting AML process improvement plans to eliminate gaps Ensuring that the Bank complies with RBI regulations and provides necessary support to the Compliance function . Demonstrate (Key competencies) Team player and result-oriented In-depth knowledge on PMLA Analytical and problem solving abilities Excellent communication skills Hands on MS-Excel; SQL would be an added advantage Decision Level Prime: Final Decision Making authority, accountable to the Management Closure of AML alerts Conduct trainings on RBI Compliances Process Improvement Plans Reporting and presentations on non- compliances Shared: Decisions reached jointly with peers on a collective basis Documentation on AML procedures Coordinate with internal auditor Contributory: Makes a major contribution to a decision or policy judgment reached by others Guidance to staff and various team members on AML related issues. Educational Level Post Graduate preferably in Banking related courses Working Experience: A / B (3 -8 years / 9 - 15 years) in Banking industry

Greetings from ignites We are hiring for sanctions screening for the top MNC in bangalore Looking for minimum 2 year experience in Transaction Monitoring, AML, Fraud Investigation salary - up to 9 lacks + incentives Location- Hebbal Bangalore Shift- US shift Immediate joining, please call hr Shruthi@7816842400 hr Aditi@7795311459 Hiring For Transaction monitoring/AML /fraud salary 9lks

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

LocationBangalore GradeM2 Role:RCU RL Sampling Team Member Minimum 2 years of work experience Job Role : Pre & post Account opening sampling of data for Risk Containment Unit Coordination with the RPC/Agency/ branch for all Account sampling Raising alerts to branches and follow-up on alerts for all negative cases Logical conclusion to all samples with either a negative or positive alert Process support visit to branches The measurable will be MIS to HO on monthly basis with detailed analysis of the cases. Trend analysis of both negative & positive alerts. Eye for detail Capability of pre-empting possible violation of KYC guidelines /processes Effectiveness of control on the branches in terms of tracking the alerts and adherence to the TAT. Job Requirements : Excellent written and oral communication skills Thorough knowledge on KYC & processes Willing to travel outside the base location LMS Level 3 clearance internal courses Minimum 2 years of work experience Good analytical skills Capability of pre-empting possible violation of KYC /controls/processes

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job Name Branch Operations Manager JOB Role: Responsible for management of day-to-day operations of the branch. Ensuring strict adherence to prescribed processes, audit and regulatory requirements. Timely authorization and checking SO/SDO/RO system input for customer transaction/ service request. Branch Lobby and customer Queue management. Managing cash (including FX and TCs) at the branch and ensuring that cash (including FX and TCs) is within branch limit. Customer complains management and ensuring resolution of all complaints within TAT. Be responsible for the AML & KYC compliance of the various account opening forms submitted to CPC/RPC Job Requirement: MBA/Graduate Minimum work exp. 3 years Thorough overall understanding of banking Customer service orientation Ability to manage and motivate front office staff.

Job TitleRelationship Manager LAP DesignationManager DepartmentSales Loan Against Property Reporting toArea Sales Manager Location[Specify Location] About Kotak Mahindra Prime Ltd. Kotak Mahindra Prime Ltd., a subsidiary of Kotak Mahindra Bank, is one of Indias leading non-banking financial companies (NBFCs), focused on vehicle and asset-backed financing solutions. Operating in a highly competitive NBFC ecosystem, we are committed to delivering fast, flexible, and customer-centric lending solutions. Role Objective To drive growth in the Loan Against Property (LAP) business by sourcing high-quality cases through DSA (Direct Selling Agent) channels, ensuring portfolio health, and building strong market relationships. Key Responsibilities Business Sourcing: - Acquire LAP customers through DSA channels while adhering to internal policies and external regulatory guidelines. - Identify and onboard high-potential DSAs and maintain strong working relationships. Sales & Target Achievement: - Meet or exceed assigned monthly and quarterly disbursement and fee income targets. - Monitor and drive business volumes in a competitive market, maintaining a healthy pipeline. Credit & Risk Coordination: - Liaise with credit and operations teams to ensure smooth file processing and disbursal. - Perform initial screening of customer financials and property documents before file submission. Market Intelligence & Relationship Management: - Track competitor offerings, pricing, and market dynamics. - Maintain strong relationships with DSAs, customers, and internal stakeholders. Compliance & Documentation: - Ensure thorough KYC, property valuation, and legal documentation as per company standards. - Adhere to audit requirements, regulatory norms, and internal processes. Candidate Profile Education: Graduate (minimum qualification) Experience: Minimum 3 years of relevant experience in LAP/Home Loan/SME Lending in the Banking or NBFC sector as a full-time permanent employee. Skills: - Strong relationship management and interpersonal skills - Understanding of secured lending and property-related documentation - High level of self-motivation with a go-getter attitude - Comfortable working in a high-performance, target-driven environment What We Look For A professional who is passionate about sales and willing to go above and beyond. Someone who can thrive in a fast-paced, competitive landscape with a solution-oriented mindset.

Good understanding of insurance activities including KYC/AML, client onboarding, new business, underwriting, policy issuance, policy servicing, claims operations, investment (front, mid and back office) controls related to actuarial operations, regulations governing insurance industry, etc. Experience in IFC controls, RCSA development and general understanding of risk and controls framework Good analytical skills, knowledge of advanced excel and ability to maintain good interpersonal relations Plan audit execution in line with the scope agreed with the client. Assign daily, weekly and monthly tasks to all team members. Monitor work performed by the Team members on a daily basis. Provide status updates to Partner and client on a periodic basis. Conduct detailed walkthroughs to gain understanding of the processes and controls implemented by the client. Ensure quality of work performed by the team. Document work performed and maintenance of work papers Review adherence with regulatory and statutory compliances Conducting audits within the time schedule assigned Identify areas of improvements for each process being audited and recommending the same to the client To keep track of all regulatory and other changes in relation to Life Insurance and financial markets Drafting Audit reports, detailing findings of audit Should have a strong domain across the spectrum of operations for Insurance. Should have good oral and written communication skills to articulate queries / observations to clients Should have good command over language and grammar Should have the ability to grasp / learn and unlearn processes / businesses of our clients. Should have good interpersonal skills in interactions with team members and client representatives at all levels Should actively mentor and train team members, support their skill enhancement, improve their capacity to take more responsibility and oversee their overall development and also identify staff members with potential for grooming them for managerial and quasi managerial roles.

As the Manager, Analytics & Metrics at Mastercard, you will play a crucial role in improving efficiency and facilitating smarter decisions for the Services business unit through the utilization of data, technology, and operational excellence. You will be part of the Insights and Enablement team, where you will be responsible for developing a deep understanding of the business environment. Your primary responsibilities will include engaging with key stakeholders from various departments such as Sales, Product, Delivery, Compliance, Technology, and Finance. By acting as an Internal Consulting partner, you will identify pain-points related to their business model and operational processes. To excel in this role, you must possess a strong grasp of Revenue Operations, particularly in B2B services organizations. Your experience in driving business transformation and consulting will be valuable assets. You should be adept at dealing with unstructured situations and applying first principles thinking to problem-solving. Furthermore, exposure to project management, stakeholder management, and excellent communication skills are essential for success in this position. Familiarity with B2B Sales processes, Sales productivity tools (e.g., Salesforce CRM, contract automation), Compliance processes (e.g., KYC), and data visualization and reporting platforms (e.g., Tableau) will be advantageous. Ideally, you should have 5-8 years of relevant professional experience along with appropriate educational qualifications. Your role will also involve developing documentation such as SOPs, process flows, user journey maps, and success KPIs, which will be institutionalized through robust data dashboards. In addition to your core responsibilities, you will be expected to uphold Mastercard's Corporate Security Responsibility. This entails strictly following Mastercard's security policies and practices, ensuring the confidentiality and integrity of accessed information, reporting any suspected security violations or breaches, and completing mandatory security trainings as per Mastercard's guidelines. If you are a proactive individual with a passion for analytics, metrics, and driving operational excellence, we invite you to join our team at Mastercard and make a significant impact on our Services business unit.,

Warm Greetings from RIVERA MANPOWER SERVICES!!!! Maria 99865 84828 (Please send us a message on WhatsApp in case the numbers are busy) I. Position Summary KYC and AML Analyst play a crucial role in *Monitored crypto transactions for anomalies, including unusual patterns, high-risk jurisdictions, and darknet involvement. *Prepared detailed investigation reports and escalated critical findings to management and regulators as required. *Successfully mitigated crypto-related financial crime risks through proactive investigation and reporting. *Enhanced transaction monitoring processes by integrating advanced tools . *They combine technical expertise, leadership skills, and a customer-centric approach to drive excellence in service support within an organization. Position Overview You will be responsible for supporting Client Service Transfer and process the request per defined bank guidelines and mandates. Candidates must possess a strong sense of urgency with an ability to work in a team environment, highly goal oriented with excellent verbal and written communication and interact with internal stakeholders to identify and resolve any issues/ dependencies and track the activity to closure Reviewing and understanding the banker request Manage the service line transfer and current relationship scope across LOBs Performs required research for a product set-up and service transfer to assess documentation and approval requirements. Manage activities through instruction via internal portals with external clients and internal stakeholders such as banker and connect via email, chat and phone calls as necessary Ensure documentation conforms to the Bank's legal guidelines and policies and standards, including risk mitigation through adherence to the control framework Ownership to the assigned transfer cases and follow up / escalate per defined process Ensure all applicable approvals are secured and the request is executed II. Skills and Competencies Excellent Written and Oral communication skills Interpersonal skills Logical thinking and decision making III. Minimum Qualifications and Experience Graduate with 1+ years of experience in KYC Client Onboarding. Regards, Maria 99865 84828 Rivera Manpower Services.

Currently we are looking for AML / KYC Analyst to join our team! Hyderabad AML / KYC Analyst * 2.5+ years of experience * Hiring for SPE/SME role * Work from office * US shift timing * Immediate to 1month notice * Skill set: AML/ KYC cases Customer Due Diligence, Account activity reviews, KYC On-boarding for individuals and entities, suspicious activity monitoring and surveillance, economic sanctions, politically exposed person monitoring Package * SPE - Up to 5.5LPA * SME - Up to 7.6LPA Requirement * Coordinate with counterparts on customer/client onboarding and approvals across multiple functions/Units * Undertake renewal of due diligence on existing clients/counter parties to ensure identifications of changes in risk profile, including reputation and operational risk factors * Monitor implementation of AML related audit recommendations which can be from internal/External auditors, regulators. * Participate in design and testing of enhancement to client due diligence database, Reports and systems * Interacting with Onsite controllers on various operational issues. * Setting up new AML/KYC Procedures, operationalizing with the Business, providing quality assurance and Establishing a Transparent Metrics Process * Provide Ongoing KYC Due Diligence Support for Periodic Reviews and Event Based Reviews * Help optimize the Client Onboarding Experience with a Focus on Minimal Touch Points while Satisfying Regulatory Requirements and Internal AML/KYC Procedures * Help to gather metrics from various business partners and share regular, transparent MI Reporting to all Stakeholder * Understanding of the applicable regulatory landscape and regulatory bodies across geographies. Interested candidates Contact HR Varsha @ 7208023222 / varsha@careerguideline.net and also refer to the people who are seeking for job

Position description: This role is responsible for driving theentire business targets for liabilities assigned to the branch; Manage exceptionalcustomer service, proactive sales environment and efficient branch operations,while adhering to regulations/compliance requirements; Focus on retainingexisting customers, increasing the customer base and cross-selling Ujjivansproducts and services; Oversee branch operations, cash management and servicequality; work closely with product and marketing teams to drive campaigns attheir branches. This role monitors daily performance of branchstaff and manages a team of 10 to 15 employees. This role manages leadership reporting ofBOO/BOSM & BSM. In certain cases will have dotted linereporting of few Silver & Gold Branch Heads reporting to them This role is assigned higher targets for theirrespective branches and is applicable only to Platinum & Titanium Branches. Primary Responsibilities: BusinessImplement branch specific marketing communication strategies to continuously strengthen the Ujjivan brandThis role is responsible for driving the entire business targets for liabilities assigned to the branch Manage exceptional customer service proactive sales environment and efficient branch operations while adhering to regulationscompliance requirements Focus on retaining existing customers increasing the customer base and crossselling Ujjivan products and servicesOversee branch operations cash management and service quality work closely with product and marketing teams to drive campaigns at their branches Monitor daily performance of branch staff To manage a team of 10 to 15 employees To manage leadership reporting of BOOBOSM BSMIn certain cases they will have a dotted line reporting of few Silver Gold Branch Heads reporting to them Will be assigned higher targets for their respective branchesCascade targets the branch targets to the respective staffs and ensure achievement is tracked through periodic reviewsEnsure all deferrals taken are cleared within the specific period Monitor the overall portfolio of the branch ensure adherence to compliance and regulatory norms are metService Quality Ensure customers are educated about all productsservices offered by Ujjivan Ensure courteous customer service is offered to customers by the branch staff Reduce customer attrition by guiding CCRs on exit interviews customer engagement programs etcLead customer connect initiatives in the branch vicinity Operations Oversee and ensure efficiency in branchATM operations through adherence to TAT for various internal and customer end processes drive utilization of alternate channels Ensure compliance with banking guidelines quality framework and audit requirements ensure speedy resolution of any audit observations and take necessary steps to prevent recurrenceensure compliance with Know Your Customer KYC Anti Money Laundering AML audit and other regulations applicable laws in the branchMonitor control minimize all expenses in the Branch such as telephone consumption of stationery computer consumables electricity and other overheads without sacrificing quality Oversee accurate cash management and tallying of accounts in the system through the Cashier Accountable for branch safety including security of cashvault etc Learning PerformanceEnsure that all members of the Branch staff are up to date on all relevant circulars and all productsservices offered in the BranchEnsure adherence to training mandays mandatory training programs for self and reporteesEnsure goalsetting midyear review and annual appraisal process within specified timelines for self and reporteesMonitor performance of staff against defined goalsmetrics and take corrective action wherever required undertake disciplinary and attendance monitoring for liabilities sales team and branch operations team Coordinate with state HR on people related matters support branch activities to foster teamwork and continuously make Ujjivan a great place to workEnsure coordination between staff of different teams to build a collaborative spirit and shared sense of purpose which could also enable crosssell and overall target achievement Location - Agartala,Asansol,Bakshi,Barasat,Berhampore,Bhagwanpur,Bhubaneswar,Chowk,Deoghar,Dhanbad,Hazaribag,Howrah,Jehanabad,Kamrup,Kankurgachi,Kasba,Kharagpur,Korha,Kolkata,Lalpur,Muzaffarpur,Nagar,Patna,Puri,Raiganj,Ranchi,Saguna,Silchar,Siliguri

Responsibilities :- Conduct video KYC verifications for new and existing clients. Ensure all KYC documentation is complete and compliant with regulatory standards. Identify and escalate any suspicious activities or discrepancies. Maintain accurate records of all client interactions and verifications. Collaborate with the compliance team to ensure up-to-date knowledge of regulatory changes. Provide exceptional customer service during the verification process. Assist in the development and improvement of KYC procedures. Review and verifie client data for onboarding, ensuring compliance with regulations and proper governance. Responsibilities include risk assessment and managing client adoption processes. Qualifications Bachelor's degree (Graduation )compulsory. minimum1 Year of previous experience in KYC. Strong understanding of regulatory compliance requirements. Excellent verbal and written English communication skills. High attention to detail and strong analytical skills. Ability to work independently and as part of a team. Skills KYC, AML, Video Conferencing, Regulatory Compliance, Customer Service, Data Entry, Analytical Skills

We are looking for a highly skilled and experienced Field Risk Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 2-4 years of experience in the BFSI industry, preferably with a background in risk management. Roles and Responsibility Conduct thorough analysis of customer data to identify potential risks and develop strategies to mitigate them. Collaborate with cross-functional teams to implement effective risk management plans. Monitor and report on key performance indicators (KPIs) related to risk management. Develop and maintain relationships with customers to understand their needs and provide tailored solutions. Stay up-to-date with industry trends and regulatory requirements to ensure compliance. Identify opportunities to improve processes and procedures within the risk management function. Job Requirements Strong understanding of risk management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment and meet deadlines. Effective communication and interpersonal skills. Experience working with financial institutions or similar industries is preferred. Familiarity with regulatory requirements and industry standards is an asset. Location - Nashik,Nagpur,Akola,Amravati

We are looking for a highly skilled and experienced Field Risk Officer to join our team at Equitas Small Finance Bank. The ideal candidate will have 14 years of experience in the BFSI industry, with expertise in risk management and analysis. Roles and Responsibility Conduct thorough risk assessments and analyses to identify potential threats to the bank's assets. Develop and implement effective risk mitigation strategies to minimize losses. Collaborate with cross-functional teams to monitor and manage risk exposure. Identify and report on key performance indicators (KPIs) related to risk management. Provide expert guidance on risk-related matters to stakeholders. Stay up-to-date with industry trends and regulatory requirements to ensure compliance. Job Requirements Strong understanding of risk management principles and practices. Excellent analytical and problem-solving skills. Ability to work effectively in a fast-paced environment with multiple priorities. Strong communication and interpersonal skills. Experience working with financial institutions or similar organizations. Knowledge of relevant regulations and standards (e.g., Basel II). Location - Chennai,Vellore,Tiruvannamalai,Arani

ROLE PURPOSE & OBJECTIVE Actively drive acquisition of customers for unsecured loans (GL and unsecured IL). Enable conversion of existing borrowing customers for liabilities. Ensure that Family banking products are actively cross sold to family members and referrals of existing customer. Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities Maintains process quality & ensures adherence to internal audit standards. Management of all the reporting staff. Closure of Audit points and maintaining threshold on "Needs Improvement" and "Unsatisfactory" branches. Timely disbursement of sanctioned loans. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Portfolio Managed- 20 Cr Volume of recruitment- 10 Staff - changes as per branches allotted. (Direct & Indirect) No. of products served- Group Loan, Individual Loan, CASA, TD and TPP products KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Monitors branch performance in MB unsecured and secured loans along with ACRM Responsible for acquiring new GL customers; conversion of customers from unsecured to secured loans Key person for scaling up Family Banking in branch. Executes the sales plans for the branch for acquisition of accounts and term deposits for family member and referrals of group loan and unsecured individual loan customers Set weekly/monthly targets for the team, reviews the set targets on a regular basis Guide the CROs to enable conversion of existing borrowing customers for liabilities Execute the marketing initiatives designed by products & marketing department Assess the market potential and give feedback on product modification and new product development to the regional product teams Share insights on competitor products to the regional product/marketing teams Customer Ensure customers and CROs are educated about the unsecured loans and liabilities products offered by Ujjivan Resolve customer queries/grievances (pertaining to GL, unsecured IL, liabilities) escalated from the CROs within specified time frame Internal Process Oversee collection of documents for account opening in strict adherence to KYC norms Keep abreast of the changes in policies and guidelines by RBI, ensures his/her team is educated on the changes to ensure strict adherence Responsible for correct storage of client information and any other documentation inclusive internal reports, memos etc. Oversee follow-ups with overdue customers to collect the payments Conduct customer house visits, cross verify the documents and details in the Customer Profile forms (CPF) and Loan Application forms (LAF), conduct Group Recognition Training (GRTs) Perform visits to the Center meetings to check whether they are as per scheduled time and day. Ensure CROs deposit center meeting cash at the nearest or collocated BCs. Timely disbursement of sanctioned loans closure of Audit points and Maintaining threshold on "Needs Improvement" and Unsatisfactory" branches. Implementation of products pertaining to Government business. To ensure adherence to minimum number of House visits and center visits for the month. Learning & Innovation Coach the branch staff on unsecured loans products to drive targets and support them in conversion of existing customers for deposit products Resolve queries and escalations from the team in a well-defined timeframe Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees Monitor timely completion of mandatory courses of the staff Monitor timely completion of mandatory annual leave of the staff. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered. Experience Preferred experience of 2-4 years in banking, sales or collection 2-4 years of experience in MFI sales & team handling experience Certifications NA Functional Skills Knowledge on unsecured products Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage Basic knowledge of accounting and finance administration desirable Is fluent in the local languages and has a working knowledge of English Knowledge of KYC/AML norms and other guidelines for liabilities Behavioral Skills Multiple product selling skills Willingness to travel & relocation as per business requirements and career opportunities Interpersonal skills Ability to interface (orally and in writing) with all levels of associates and customers Ability to manage teams and drive performance Training skills

Business Underwrite Micro Mortgage in the field through thorough assessment and personal discussion with borrower and / or co-borrower Underwrite IL loans in SFB and URC branches to understand the geography and segment Sanction or recommend secured loans up to Rs. 10 Lakh with proper justification as per product features, credit policy and based on approval rights Conduct farm lands, business place, office, and residence verification of the applicants based on the product and purpose of the loan Assess repayment capacity, character and cash flow of the applicant. Conduct reference checks with customers /suppliers / vendors / dealers. Ensure collection of relevant and proper documents. Ensure adherence to internal and regulatory policies / compliances like KYC etc. Understand the nature of collateral security, ensure the collateral offered is free from all the encumbrances, having clear title and marketability, the charge creation of the bank on the property should be exclusive first charge. Obtain Legal opinion and valuation reports on the collateral offered as security, should clearly advise type of mortgage to be created on the security in the sanction Decision whether to approve or reject the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Capture proper reasons of rejections and communicate the same to branch team in case of rejections Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Review/renew the accounts before expiry of the limit through coordinating with Distribution team Ensure weekly and monthly productivity with respect to personal discussions, quality check of applications, sample visits and checks etc. Monitoring rejections from field, guide the branch staff to control the same and ensure higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and ensure compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Ensure to participate and drive the successful implementation of technology based projects at backend and field Engage in collections for recovery, follow up for Incremental overdues and non-starters Ensures success and growth of these products by adhering to defined policy and process for loan approval Customer Ensures customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Ensure that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Co-ordinate with Legal and technical vendors for quick response on the property documents Coordinate with FCU team or agency for their reports Ensure customers documents are kept safe till they are handed over to concerned authority Coordinate with Operations for loan booking, safe keeping of the customer document etc. Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Ensure credit policies and processes are followed effectively by sourcing staffs Ensure adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Ensure legal opinions are clearly understood and necessary action taken based on the legal opinion Ensure completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Ensure that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Keep updated about the regulatory norms for secured products Keep updated about the property document related policies and processes New products being introduced and new systems being adopted to be learnt quickly and to be adopted Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Ensure necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action Imparting training to branch team on Micro Mortgage products credit policies, processes and systems, conduct regular trainings on changes / refreshers. Ensuring visits in branches of other clusters to ensure understanding and learning through experience

Primary Responsibilities: Business Financials Daily Weekly Monthly monitoring of the accomplishment of targets according to the annualmonthly targets established for the area and branches under hisher responsibility to provide guidance and solutions to hisher team as required Assign targets and results on daily weekly monthly basis of portfolio of risk by different categories such as days in arrears number of installment due amount within hisher region by area branch loan officer with the objective to identify tendencies and risks Supports Relationship Officers in hisher area in their duties of client visits risk assessment and recovery strategiesEfficient staffing by timely recruitment trainingImplement supervise and control effectiveness of commercial strategy with hisher team to reach the productivity and growth targets established Approve deviations and exceptions according to policy in placeEnsure supervise the correct implementation of the credit procedures including all the respective toolsCustomer Both Internal External Ensure customers are educated about all productsservices offered by UjjivanEnsure lower customer attrition by providing different products as per customer requirementFocus on lower TAT as per laid down standards Internal ProcessEnsure compliance with lending guidelines quality framework and audit requirements ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulationsMonitor health of portfolioSanctioning of loans according to the policy in place Ensure supervise the correct implementation of the credit procedures including all the respective toolsDiscuss strategies and changes in terms of products capacity building procedures etcInnovation LearningEnsure that all members of his team are up to date on all relevant circulars and all productsservices offered in the Branch Evaluate the staff competences in terms of promotion business assessment and credit risk assessment capacity and propose solutions for improvement Ensure adherence to training mandays mandatory training programs for self and reportees Ensure goalsetting midyear review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goalsmetrics and take corrective action wherever required undertake disciplinary and attendance monitoring of VF Loans team Location - Aligarh,Bulandshahr,Chowk,Gorakhpur,Hardoi,Lucknow,Meerut,Nagar,New Delhi,Varanasi

POSITION DESCRIPTION JOB TITLE Officer- Credit Micro Banking GRADE DM-II DEPARTMENT Credit LOCATION HO SUB-DEPARTMENT Micro Banking and Rural Banking TYPE OF POSITION Full-time REPORTS TO Cluster Credit Manager-Micro Banking & Rural Banking ROLE PURPOSE & OBJECTIVE This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr. Support IL business of 3-4 Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower. Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below Individual loans Business, Home improvement, Higher Education loans KCC, agriculture and livestock loans Maintains success and growth of these products by adhering to defined policy and process for loan approval. Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers. Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers /suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant. Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc. Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Maintain daily productivity with respect to personal discussions, quality check of applications, sample visits and checks etc as per the set KRA. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Monitoring rejections from field, guide the branch staff to control the same and maintain higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Maintain to participate and drive the successful implementation of technology based projects at backend and field Plan and address issues across Poor, High Risk and Critical branches and maintain good risk management at the branches Maintains PAR and provision are maintained within the budget. Engage in collections for recovery, follow up for Incremental overdues and non-starters Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 months of booking. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Report / escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues. Maintain to participate and drive the successful implementation of product and technology based projects at field Maintains PAR and Provision are maintained within the acceptable limit/budget. Maintains customer satisfaction by processing of loan applications within the TAT defined Maintain adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geography Quickly learn of new products and systems being introduced and implement in the field. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector or occupation study and survey of branch working areas. Customer Maintains customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Maintain that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Maintain adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Maintain that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Upgrade self and branch team about changes happening in the market New products being introduced and new systems being adopted to be learnt quickly and to be adopted. Keep updated with SLBC / DLC meetings & annual reports for information on investment on different types of crops for KCC / Agri limits. Keep abreast with ongoing farming operations in the field & market. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Maintain necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action. Ensuring visits in branches of other clusters to maintain understanding and learning through experience