3183 Loans Jobs - Page 14

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Skills Customer Service Skills Excellent communication and interpersonal skills to interact effectively with customers Regulatory Knowledge Familiarity with KYC (Know Your Customer), AML (Anti-Money Laundering), and other compliance requirements Sales and negotiation - Ability to sell financial products and services Attention to detail High level of accuracy in handling cash transactions and financial documents Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc.) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc.) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills.

As one of the world s leading asset managers, Invesco is dedicated to helping investors worldwide achieve their financial objectives. By delivering the combined power of our distinctive investment management capabilities, we provide a wide range of investment strategies and vehicles to our clients around the world. If youre looking for challenging work, smart colleagues, and a global employer with a social conscience, come explore your potential at Invesco. Make a difference every day! Job Description Key Responsibilities: Hands-on execution of processes including: Deal Closings Drawdowns Rollovers Repayments and Pre-payments Cash and Invoice Reconciliation Ensure timely identification and resolution of exceptions. Maintain adherence to Quality and Quantity SLAs through a robust workflow model. Demonstrate in-depth knowledge of various securities and investment instruments, their standard treatments, and associated cash flows. Ensure 100% compliance with all process-related policies, guidelines, and internal controls. Collaborate effectively with internal and external stakeholders to ensure smooth transaction processing. Support audit and regulatory requirements with accurate documentation and reporting. Actively contribute to process improvements and automation initiatives. Exhibit a strong professional attitude and be an active team player. The Experience you bring: Attention to detail and proactive Analyst with strong domain expertise in Syndicated Loans and hands-on experience with WSO applications. The ideal candidate will be well-versed in loan lifecycle events such as Drawdowns, Rollovers, Repayments, Pre-payments, Funding, and Rate Fixings, including Trade Settlements. A solid understanding of IBOR/ABOR and Custody Reconciliation is essential. Required Skills: 1 3 years of experience in Loan Syndication, Loan Operations, or a related domain. Strong working knowledge of WSO (Wall Street Office) applications. Familiarity with IBOR/ABOR and Custody Reconciliation processes. Excellent analytical, problem-solving, and communication skills. Ability to work under pressure and manage multiple priorities effectively. Proficiency in MS Excel and other financial tools. Full Time / Part Time Full time Worker Type Employee Job Exempt (Yes / No) No Workplace Model At Invesco, our workplace model supports our culture and meets the needs of our clients while providing flexibility our employees value. As a full-time employee, compliance with the workplace policy means working with your direct manager to create a schedule where you will work in your designated office at least three days a week, with two days working outside an Invesco office. Why Invesco In Invesco, we act with integrity and do meaningful work to create impact for our stakeholders. We believe our culture is stronger when we all feel we belong, and we respect each other s identities, lives, health, and well-being. We come together to create better solutions for our clients, our business and each other by building on different voices and perspectives. We nurture and encourage each other to ensure our meaningful growth, both personally and professionally. We believe in diverse, inclusive, and supportive workplace where everyone feels equally valued, and this starts at the top with our senior leaders having diversity and inclusion goals. Our global focus on diversity and inclusion has grown exponentially and we encourage connection and community through our many employee-led Business Resource Groups (BRGs). What s in it for you As an organization we support personal needs, diverse backgrounds and provide internal networks, as well as opportunities to get involved in the community and in the world. Our benefit policy includes but not limited to: Competitive Compensation Flexible, Hybrid Work 30 days Annual Leave + Public Holidays Life Insurance Retirement Planning Group Personal Accident Insurance Medical Insurance for Employee and Family Annual Health Check-up 26 weeks Maternity Leave Paternal Leave Adoption Leave Near site Childcare Facility Employee Assistance Program Study Support Employee Stock Purchase Plan ESG Commitments and Goals Business Resource Groups Career Development Programs Mentoring Programs Invesco Cares Dress for your Day In Invesco, we offer development opportunities that help you thrive as a lifelong learner in a constantly evolving business environment and ensure your constant growth. Our AI enabled learning platform delivers curated content based on your role and interest. We ensure our manager and leaders also have many opportunities to advance their skills and competencies that becomes pivotal in their continuous pursuit of performance excellence. To know more about us About Invesco: https: / / www.invesco.com / corporate / en / home.html About our Culture: https: / / www.invesco.com / corporate / en / about-us / our-culture.html About our D&I policy: https: / / www.invesco.com / corporate / en / our-commitments / diversity-and-inclusion.html About our CR program: https: / / www.invesco.com / corporate / en / our-commitments / corporate-responsibility.html Apply for the role @ Invesco Careers : https: / / careers.invesco.com / india /

We are hiring a credit analyst for one of our customers. Role: Manager of Credit (1 Position Available) Where: Dahisar, Mumbai Education required: *Intermediate CA, MBA (Finance), or B.Com. are required. *Twelve years of expertise in: Getting Project Reports Ready CMA Financial Analysis & Data Bank Loan Application Filing Growth Opportunity: Collaborate with seasoned experts on real-world finance initiatives.

The job involves direct customer service and sales to existing Max Life Insurance customers through relationship building. Customer leads will be provided by the company. The key responsibilities include driving revenue through cross-sell and up-sell opportunities, focusing on lead to conversion ratio, exceeding revenue and collection targets, conducting competition analysis, fixing self-appointments daily from the customer database, timely resolution of service requests, driving renewal collection, ensuring customer retention, establishing and strengthening relationships with customers, and providing financial planning assistance based on customer financial goals. Success in this role will be measured by adherence to TAT for updating systems, achieving cross-sell and up-sell business goals, resolving complaints and ensuring customer satisfaction, meeting retention targets, conducting more than 45 unique customer meetings per month, maintaining over 90% attendance, and scoring above 80% in functional trainings. The desired qualifications and experience for this position include being a graduate with 1-3 years of sales experience in Insurance, Mutual Fund, CASA, Investments, Loans, or Real Estate. A minimum of 6 months exposure to Life Insurance is required. The age bracket for candidates is 25-32 years, and owning conveyance is a must. The ideal candidate will possess knowledge, skills, and abilities such as process and result orientation, customer centricity, relationship building, basic computer knowledge, and good communication skills in English and a regional language. Max Life Insurance is committed to being an Equal Opportunity Employer that promotes inclusion and diversity in the workplace. If you are looking to join a company that values caring, collaboration, customer obsession, growth mindset, and people leadership, this role may be a great fit for you. For more information, please visit Max Life Insurance's website at www.maxlifeinsurance.com.,

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

JOB SUMMARY Direct customer service and sales to existing MLI customers through relationship building. Existing Customer database will be provided by company. KEY RESPONSIBILITIES Service through relationship management Establishing and strengthening relationship with the allocated customer base. Ensure retention of his/her allocated Book of Relations (existing customer database). Act as single point of contact for customers for any customer walk-in/query/complaint. Identify financial goals of customers and providing financial planning assistance. Competition Analysis for giving professional advice to customer Fix self-appointments every day from the given customer database as per the campaign Sales Focus on cross-sell & up-sell opportunity in allocated customers and walk-ins MEASURES OF SUCCESS TAT adherence for updating System - CSG Successful completion of cross-sell/ up-sell Business Goals month on month Collection of payment/premium from 91-180 days due policies Complaint Resolution /Customer satisfaction Achievement of Retention Targets > 45 unique customer meetings in a month More than 90% attendance (of total working days) Successfully score >=80% in the Functional Trainings imparted DESIRED QUALIFICATIONS AND EXPERIENCE Graduate with 1 - 3 years experience in sales of Insurance/ Mutual Fund/ CASA/ Investments/ Loans/ Real Estate. Minimum 6 months exposure to Life Insurance Age Bracket 25-32 years Must own a conveyance KNOWLEDGE / SKILLS / ABILITIES Process & Result orientation Customer centricity & relationship building Basic Computer Knowledge. Good communication skills- English and regional language JOB SUMMARY Direct customer service and sales to existing MLI customers through relationship building. Existing Customer database will be provided by company. KEY RESPONSIBILITIES Service through relationship management Establishing and strengthening relationship with the allocated customer base. Ensure retention of his/her allocated Book of Relations (existing customer database). Act as single point of contact for customers for any customer walk-in/query/complaint. Identify financial goals of customers and providing financial planning assistance. Competition Analysis for giving professional advice to customer Fix self-appointments every day from the given customer database as per the campaign Sales Focus on cross-sell & up-sell opportunity in allocated customers and walk-ins MEASURES OF SUCCESS TAT adherence for updating System - CSG Successful completion of cross-sell/ up-sell Business Goals month on month Collection of payment/premium from 91-180 days due policies Complaint Resolution /Customer satisfaction Achievement of Retention Targets > 45 unique customer meetings in a month More than 90% attendance (of total working days) Successfully score >=80% in the Functional Trainings imparted DESIRED QUALIFICATIONS AND EXPERIENCE Graduate with 1 - 3 years experience in sales of Insurance/ Mutual Fund/ CASA/ Investments/ Loans/ Real Estate. Minimum 6 months exposure to Life Insurance Age Bracket 25-32 years Must own a conveyance KNOWLEDGE / SKILLS / ABILITIES Process & Result orientation Customer centricity & relationship building Basic Computer Knowledge. Good communication skills- English and regional language

BUSINESS UNIT OVERVIEW The EMEA and APAC Mortgage desk makes markets in EMEA/APAC loan business (Resi/consumer) and Asset Backed securities and increasingly places a large amount of focus on purchasing whole loan pools, originating/ financing new loan assets (CRE/Resi/consumer) or creating new securities backed by loan assets which can be distributed to our clients. In this way the desk / structurers/ Loan management are very much at the heart of a changing banking / capital-markets landscape, and designing ways in which Goldman can be a long-term participant in these new flows of capital. TMM-AFT is currently seeking an Analyst to support the EMEA/APAC mortgage desk in its asset management activities. The Analyst will be primarily responsible for Asset Management and information management solutions that integrate with analytical tools facilitating the acquisition, monitoring, reporting and disposition / securitization of loans purchased, financed and/or originated from different business platforms. JOB RESPONSIBILITIES Managing financing facilities or warehouse lines and assisting legal and dealing teams with negotiation of loan terms and associated documents Decoding financing facility s legal documents and formulating the statements into meaningful Excel Models. Managing client relationships and ensuring smooth / high quality execution of various warehouse deals and its activities Management and oversight of mortgage and consumer loan data, including data setup, database management, ETL and data validation Tracking and confirmation of collateral adequacy for funding and margining (collateral covenants, eligibility, concentration limits). Creating Asset Summary Reports Monitoring of key deliverables and Collateral Performance related triggers. Actively participate and partner with Information Technology to facilitate Data Warehouse, reporting and other projects as assigned. Ensure the flow of data underneath all the analytics is accurate and correct. Working with mortgage desk, technology, and cash operations to achieve the same. Coordinate with Technology and internal departments to develop new GUI data interfaces, help in further testing of such deals, and add enhancements to internal databases Develop reporting solutions through multiple tools as needed. Ability to produce interactive graphs, pivot tables, etc. for reporting Maintains systems for tracking projects and communicate results to different business groups BASIC QUALIFICATIONS 1-4 years of experience in mortgages or consumer portfolio / collateral analytics / asset management. Strong academic background in finance, business, math, or accounting degree with a minimum 3.5 GPA equivalent / candidates pursuing CFA. Strong communication skills (clear, concise, and confident) with the ability to manage internal and external relationships Solid analytical/logical mindset and attention to detail Technical skills required include SQL, RDBMS Databases (SQL Server or Sybase ASE preferred), Data Reporting and Data Visualizations. Tableau experience is a plus. Strong project management skills that include Stakeholder Management skills, program management experience and ability to translate requirements to deliverables. Mortgage banking or other financial industry experience preferred Able to work under tight time constraints and extended hours as required Ability to prioritize workload, manage expectations and is a team player

Job Description: We are seeking a dynamic and experienced Customer Service Analyst to join our team. This role requires strong communication skills and attention to detail, analytical skills, and a good understanding of processes and policies. Roles and Responsibilities: Adhere to company standards for call / transaction handling, including call time, first-call resolution rates, and merchant satisfaction metrics. Quick turnaround time to answer Merchant queries and maintain the right categorisation of tickets Keen attention to detail to execute transactions and proactive thinking. Attention to detail and ability to analyze information accurately. Strong problem-solving and decision-making skills. Strong proficiency/ experience in handling merchants complaints and transaction requests through voice and email response processes. Accurately document interactions in the CRM system. Handle complaints and escalations professionally and effectively. Adhere to all company policies, procedures, and regulatory requirements. Identify and assess Merchant needs to achieve merchant satisfaction and deliver quality responses. Follow communication procedures and process guidelines. Go the extra mile to engage with Merchants and aim at Merchant Delight Mandatory Qualifications: Minimum qualification - Bachelors Degree Minimum of 2 to 3 years of experience, preferably in the fintech or banking domain. Experience in monitoring transactions and ensuring compliance with relevant regulations. Excellent communication skills, both written and verbal. Ability to multitask and manage time effectively. Ability to work collaboratively in a team environment. Knowledge of industry trends and best practices in fintech or banking preferable

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc. ) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc. ) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc. ) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc. ) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products Required Qualifications and Experience Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Skills Customer Service Skills Excellent communication and interpersonal skills to interact effectively with customers Regulatory Knowledge Familiarity with KYC (Know Your Customer), AML (Anti-Money Laundering), and other compliance requirements Sales and negotiation - Ability to sell financial products and services Attention to detail High level of accuracy in handling cash transactions and financial documents Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc.) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc.) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills.

Job Title: Sr. Research Analyst/ Research Analyst Fixed Income Research & Valuations Division CRISIL Intelligence Department Fixed Income Research Website- https: / / intelligence.crisil.com / Experience: 2-5 years Functional Responsibility/ Domain Related: Valuations of various Indian debt instruments including corporate bonds, money market instruments, government securities, state development loans, Treasury bills etc. Construction and review of yield curve across issuers, sectors and rating categories. Establishing a strong network for polling across market participants mutual funds, insurance companies, banks, primary dealers, brokers, arrangers and other active investor/ traders segments Polling with various debt market participants on a daily basis for sourcing required pricing information. Sourcing and analyzing trades/pricing data received from various market sources (exchanges, asset managers etc.) for the purpose of valuations. Preparation of valuation models using excel/VBA. Preparation of ad-hoc analytical report for the purpose of senior management and/or for external agencies. Preparation and maintenance of documentation related to valuations Assistance in development, testing, maintenance of various in-house applications Desirable Skills: Fixed income dealing experience in CP, CD and corporate bonds in Indian debt markets Strong connect with market participants including fund managers, arrangers, PDs, issuers, brokers etc Analytical inclination and fixed income fundamentals knowledge. Strong oral, written and presentation skills Fixed income market understanding Working knowledge of MS office products and VBA

Some careers open more doors than others. If you re looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. The Global Payment Solutions (GPS) Account Manager (AM) is responsible for the global satisfaction of a portfolio of GPS clients. The purpose of this role is to ensure clients receive a superior service experience both locally and globally; to be a client s single point of contact for service for those complex queries that are fall above and beyond basic transactional queries. The Account Manager s portfolio will be a mix of top tier, highly complex GPS clients and complex clients. The Account Manager will be accountable for the overall satisfaction with GPS produts and services and support the broadening and deepening of these client relationships to drive commercial outcomes for the GPS business. This includes overseeing execution of query management for the client, oversight of transactional activity, providing insights to clients on how to optimize through Client Service Reviews, coordination of a clients global Treasury and Cash Management initiatives and projects, and proactively managing the GPS client relationship on a day to day basis. Depending on the complexity and geography of the client this role will either lead the client relationship or play a supporting role on a global squad covering the client. Basic Job Expectations Manage the liquidity and cash management needs of a portfolio of Financial Institutions, Multi-National Corporations and Local Corporates. M aintain relationships with key influencers in the client s local or regional Treasury and Finance organisation. Be accountable for the retention of annual revenue of your portfolio of clients, including capturing opportunities and supporting growth of your clients (revenue targets included in scorecard) Accountable for the identification of opportunities to deliver Client Service excellence locally and regionally; effectively managing any risks and issues. Responsible for resolving assigned queries. Accountable for monitoring and guiding the completion of all global queries and local basic queries that may be assigned to others. The role holder must have a strong understanding of the cash management business including identifying and dealing with actual or potential business or relationship risks. Strong written and oral communication skills; must be able to put complex product and/or technical information into simple terms. Maintain a client footprint with the basic information required to deliver a superior client experience. Senior Account Manager In addition to the above activities, the Senior / Account Manager will also be: o The point of escalation for other stakeholders supporting the client and for the client themselves on all GPS Service engagements when they are the lead. o The point person to coordinate projects focused on existing business retention (i. e. GBS/TWIST billing global setups, file format conversions, Connect Digital migration). o Will proactively review local/regional client activity and existing solutions with GPS in order to identify any opportunities to improve the client s experience with HSBC. This includes but is not limited to; reducing service queries and reject/error rates, streamlining processing time, improved data/payment security, identify opportunities to streamline client processes, eliminate redundancy, strengthen relationships, and increase wallet share by recomending new products & solutions that will benefit the client s business operations. o Will provide analysis and recommendations to senior management on client focus, attrition, and engagement. Monitor metrics and performance indicators of service levels and develop and implement remedial actions as needed. Continuously adapt to balance and prioritise different demands of their portfolio while managing requirements from multiple stakeholders Customer Engagement Engage with their client s operational and Treasury teams as needed or agreed to with the client. This includes but is not limited to a client s Treasury Operations and IT teams and the wider Finance and Treasury Organization. Gather and maintain specific intimate knowledge of their client s Treasury operations and how they interface with HSBC products and services. Engage and work cross functionally with various internal partners (Operations, Technology, Sales, and the RM) coordinating client interactions and recommendations relating to existing GPS business. Must be flexible and willing to go outside work assignment boundaries to ensure their client s satisfaction. Develop and deliver standard Client Service Reviews on an ad hoc basis using key client metrics to proactively identify issues and trends including things like payment flows, rejection and return rates, and industry benchmarks. Work with the client and internal stakeholders to remediate and improve metrics to benefit the client. Requirements : GPS Senior Account Manager (SAM) and Account Manager (AM) Guidance Notes: This job profile provides a broad overview of the Job Category Client Management and is not intended to exhaustively describe the role. Job Profile: GCB 5/6 The Global Payment Solutions (GPS) Account Manager (AM) is responsible for the global satisfaction of a portfolio of GPS clients. The purpose of this role is to ensure clients receive a superior service experience both locally and globally; to be a client s single point of contact for service for those complex queries that are fall above and beyond basic transactional queries. The Account Manager s portfolio will be a mix of top tier, highly complex GPS clients and complex clients. The Account Manager will be accountable for the overall satisfaction with GPS produts and services and support the broadening and deepening of these client relationships to drive commercial outcomes for the GPS business. This includes overseeing execution of query management for the client, oversight of transactional activity, providing insights to clients on how to optimize through Client Service Reviews, coordination of a clients global Treasury and Cash Management initiatives and projects, and proactively managing the GPS client relationship on a day to day basis. Depending on the complexity and geography of the client this role will either lead the client relationship or play a supporting role on a global squad covering the client. Basic Job Expectations Manage the liquidity and cash management needs of a portfolio of Financial Institutions, Multi-National Corporations and Local Corporates. M aintain relationships with key influencers in the client s local or regional Treasury and Finance organisation. Be accountable for the retention of annual revenue of your portfolio of clients, including capturing opportunities and supporting growth of your clients (revenue targets included in scorecard) Accountable for the identification of opportunities to deliver Client Service excellence locally and regionally; effectively managing any risks and issues. Responsible for resolving assigned queries. Accountable for monitoring and guiding the completion of all global queries and local basic queries that may be assigned to others. The role holder must have a strong understanding of the cash management business including identifying and dealing with actual or potential business or relationship risks. Strong written and oral communication skills; must be able to put complex product and/or technical information into simple terms. Maintain a client footprint with the basic information required to deliver a superior client experience. Senior Account Manager In addition to the above activities, the Senior Account Manager will also be: o The point of escalation for other stakeholders supporting the client and for the client themselves on all GPS Service engagements when they are the lead. o The point person to coordinate projects focused on existing business retention (i. e. GBS/TWIST billing global setups, file format conversions, Connect Digital migration). o Will proactively review local/regional client activity and existing solutions with GPS in order to identify any opportunities to improve the client s experience with HSBC. This includes but is not limited to; reducing service queries and reject/error rates, streamlining processing time, improved data/payment security, identify opportunities to streamline client processes, eliminate redundancy, strengthen relationships, and increase wallet share by recomending new products & solutions that will benefit the client s business operations. o Will provide analysis and recommendations to senior management on client focus, attrition, and engagement. Monitor metrics and performance indicators of service levels and develop and implement remedial actions as needed. Continuously adapt to balance and prioritise different demands of their portfolio while managing requirements from multiple stakeholders Customer Engagement Engage with their client s operational and Treasury teams as needed or agreed to with the client. This includes but is not limited to a client s Treasury Operations and IT teams and the wider Finance and Treasury Organization. Gather and maintain specific intimate knowledge of their client s Treasury operations and how they interface with HSBC products and services. Engage and work cross functionally with various internal partners (Operations, Technology, Sales, and the RM) coordinating client interactions and recommendations relating to existing GPS business. Must be flexible and willing to go outside work assignment boundaries to ensure their client s satisfaction. Develop and deliver standard Client Service Reviews on an ad hoc basis using key client metrics to proactively identify issues and trends including things like payment flows, rejection and return rates, and industry benchmarks. Work with the client and internal stakeholders to remediate and improve metrics to benefit the client. Qualifications Essential Strong knowledge of local and global cash management and clearing services, products, and techniques. Proven ability in identifying and meeting customer needs through matching a broad range of products and services. Ability to understand a customer s business and the fundamentals of running a business. Good level of business acumen and commercial awareness, including economic, cultural, procedural, and regulatory issues Strong range of communication skills, including written, verbal, and the ability to deliver compelling presentations. Strong interpersonal skills and ability to interact and build relationships with internal and external stakeholders. Ability to thrive in a complex matrix environment with several stakeholders with differing goals/expectations. Comfortable working in a fast-paced work environment; continually changing lines of communication, technological advances etc. Excellent time management, planning and organization skills with ability to manage multiple time sensitive tasks. Strong analytical skills Ability to travel. Desirable Previous banking experience working with FIs/Corporates in a relationship or account management role. Specific experience with large multi-national corporations or financial institutions including Global/Regional HQ names will be an advantage. Knowledge of day-to-day workings of a Corporate Treasury environment, foreign exchange, intercompany loans, payroll, and payments. Knowledgeable about our competitors products and services, strategies, and client relationship practices. Broad knowledge of HSBC Group companies and product ranges Additional Information Mandatory to successfully complete Anti-Money Laundering and Sanctions training and post-course assessment, as required.

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) ( Max 1325 Characters) The purpose of this job is to plan area (city/ branch) sales and business growth with the Regional Head (Sales) and achieve set targets through the team while complying with sales processes and guidelines at all times. It takes joint approval decisions with Risk counterpart as per approval matrix, and works with Risk, Operations and Sales Governance teams to ensure portfolio health. It works to support business profitability by addressing underperformance, adopting process improvements, capitalizing on channel optimization opportunities, etc. It intervenes as required in specific cases/ exceptions and helps address bottlenecks for the achievement of sales targets, hand-holding team members on complex cases. It also drives cross-selling across ABHFL and ABFSG products/ solutions as per regional plans and unique client requirements. 2) Dimensions: Mention quantitative or qualitative parameters that are relevant for the job and provide a better understanding of the scope and scale of the job. Business Workforce Number (Max 254 Characters) Unit Workforce Number (Max 254 Characters) Function Workforce Number (Max 254 Characters) Department Workforce Number (Max 254 Characters) Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business / Unit / Function / Department / Section ( (Max 3975 Characters) Organizational Context Key Aspects: Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9 th July 2014 and has aggressive growth plans. ABHFL operates in the Rs. 11. 4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015. The ABHFL Sales organization works broadly with 3 customer segments retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs. Job Context Key Aspects: Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management. While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients For retail customers, identifying and acting on relevant needs for target demographics/ customer segments/ etc. , in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability. For institutional/ builder customers, understanding and addressing complex business requirements via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage in this segment. The AH (Sales) ABHFL is responsible for achieving sales targets as agreed with the RH (Sales) ABHFL, in terms of targeted book size, profitability, growth & customer service objectives. Key Challenges To create a sales operating plan with the team, considering local factors impacting business, such as competitor presence, existing relationships, new prospect opportunities, etc. , aimed at achieving sales targets To grow market share as a new brand against established competition, overcoming competitive pressures to create book of desired size for the branch/ city Organizational Context Key Aspects: Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9 th July 2014 and has aggressive growth plans. ABHFL operates in the Rs. 11. 4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015. The ABHFL Sales organization works broadly with 3 customer segments retail (individual) customers, institutional customers (for retail and institutional loan consumers) and builders (for both retail tie-ups and construction finance), with a major share of the business coming from retail customers. Client segments can also be divided into Salaried and Self employed, with both of these having very different preferences and needs. Job Context Key Aspects: Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions, ABHFL caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, ABHFL business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management. While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients For retail customers, identifying and acting on relevant needs for target demographics/ customer segments/ etc. , in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability. For institutional/ builder customers, understanding and addressing complex business requirements via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage in this segment. The AH (Sales) ABHFL is responsible for achieving sales targets as agreed with the RH (Sales) ABHFL, in terms of targeted book size, profitability, growth & customer service objectives. Key Challenges To create a sales operating plan with the team, considering local factors impacting business, such as competitor presence, existing relationships, new prospect opportunities, etc. , aimed at achieving sales targets To grow market share as a new brand against established competition, overcoming competitive pressures to create book of desired size for the branch/ city To constantly upgrade financial & operational know how of self and team members on industry dynamics, effective negotiation and relationship building, and efficient loan processing for maintaining lasting relationships with customers while ensuring portfolio health and profitability To ensure loan conversion/ sanction/ utilization percentages are high and an appropriate sourcing funnel is built to meet targets To ensure credit quality and effective portfolio selection/ pre screening thereby minimizing potential NPAs To ensure compliant sales operations at all times, despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include business and commercial acumen, team management and communication, execution skills, product-market understanding, and operations integration & controlling skills. Education & experience required to fulfil this profile are a postgraduate with minimum 6 - 8 yrs of total sales experience in the Banking/ NBFC space, of which at least recent 3 - 4 yrs experience should be in HFC sales 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas ( Max 1325 Characters) Supporting Actions ( Max 1325 Characters) Branch Sales Planning & Management Work with RH (Sales) - ABHFL on devising the branch sales plan and team approach for achieving targets, considering product-environmental factors, competitive forces and local trends, and cascade the same to the branch team(s) Track industry and market developments, scanning the local market and competitive offerings on a periodic basis Oversee end to end branch operations and performance, covering all aspects such as sourcing, effectiveness, governance, productivity, channel management, etc. Report on and direct teams basis emerging trends and opportunities Manage day-to-day branch operations and administration Provide data for, compile and review periodic MIS reports for disbursements, profitability, NPAs, market expansion, etc. and communicate to RH (Sales) - ABHFL as well as to team members Customer Acquisition/ Engagement Identify local business growth opportunities, drive expansion and new customer acquisition initiatives to create a book of targeted size Work closely with team members, hand-holding critical/ complex transactions to ensure favourable closure with customer satisfaction Communicate sales targets and provide team members clarity on business goals, role expectations, product characteristics and USPs to enhance effectiveness of sales efforts Track cases in the complaint tracker/ escalations received, liaising with relevant stakeholders as required to drive satisfactory closure Deploy efforts/ initiatives in consultation with RH (Sales) ABHFL, arising from customer satisfaction survey and resulting NPS (Net Promoter Score), targeting identified focus areas Propose and deploy approved solutions and schemes to drive sales and enhance profitability, ensuring dual focus on sales expansion and cost optimization Serve as a point of escalation and manage customer complaints/ grievances effectively, intervening especially for key relationships Operational Effectiveness To drive adoption of efficient business processes/ operations across the Customer Lifecycle (Sourcing, Approval, Servicing, Collections) Manage local distribution across channels, interfacing with senior/ critical partners/ stakeholders as required for smooth operations Drive process efficiencies and faster TATs through interfacing with stakeholders across processes and functions (Risk, Operations, Sales Governance) and efficient operations Drive high performance by reinforcing focus on business and sales growth objectives, effective client engagement, monitoring sales operations and productivity metrics, and providing support and guidance as required Drive the implementation of improved processes and best practices in order to enhance operational effectiveness, productivity and overall business impact Team and Internal Stakeholder Management Guide and develop team members for enhanced customer acquisition and engagement efforts, helping them achieve superior performance standards and hand-holding where required Nominate teams for relevant technical and behavioral trainings/ seminars and work on self development initiatives Proactively liaise with internal stakeholders for smooth cross-functional coordination and alignment towards achievement of business objectives 5) Job Purpose of Direct Reports: Describe the job purpose of the direct report/s to the job (in 2-3 lines for each report) Sales Manager Direct Responsible for building book size as per assigned targets for the branch/ area, through efficient sales operations across the customer lifecycle (Sourcing, Approval, Servicing, Collections), while ensuring sufficient sourcing funnel, revenue generation, profitability, MIS, portfolio management, as per desired levels; to ensure the end to end management of solutions and transactions with adequate credit quality monitoring of new acquisitions Sales Manager Indirect Responsible for building book size as per assigned targets through Channel Partners/ Agencies, ensuring compliance and productivity to ensure target achievement; to ensure the end to end management of solutions and transactions with adequate credit quality monitoring of new acquisitions 6) Relationships: Describe the nature and purpose of most important contacts or relationship (except superior/team members) with individuals, departments, organizations inside and outside of the organization, that job is required to interact with in order to deliver the job objectives Relationship Type ( Max 80 Characters) Frequency Nature ( Max 1325 Characters) Internal Region Head Sales Managers Sales Governance Business Development Team Builder Segment Team HR dept Marketing dept IT dept Risk dept Operations dept Weekly/ Need Based Weekly/ Need Based Weekly/ Need Based Monthly/ Need Based Monthly/ Need Based Need Based/ Process Driven Need Based Need Based Weekly Weekly Business MIS, review on new market development, product performance & progress on objectives, escalations Review of sales operations, planned execution, escalation/ exception cases, team/ channel productivity Ensuring sales compliance; payout/ incentive design-execution, channel, team on-boarding, etc. Identifying & developing new institutional relationships Identifying, developing, maintaining builder relationships Recruitment, Performance Reviews, Training, Talent Management Support on Marketing programs Back-end/ systems support Proposal evaluations, portfolio monitoring, NPA management Client servicing issues, TAT reviews, NPA management External Existing and Prospective customers External Forums & Networking platforms Fortnightly/ Need Based Monthly/ Ongoing CRM for relationship management and understanding needs for customized solutions Develop relationships in the market, scan current trends/ dynamics & build awareness on new business 7) Organizational Relationships: Provide the structure for a level above and below the position for which this job description is written. Use position titles in the structured and indicate all the reports of the position.

Job Purpose The purpose of this job is to execute risk and credit operations on the basic transactions assigned, as per established frameworks and processes, ensuring sound portfolio quality management. Further, this role coordinates with Sales, Operations and ABFL Risk colleagues to ensure efficient and effective risk management operations Job Context & Major Challenges Organizational Context Key Aspects: Part of the Aditya Birla Financial Service Group (ABFSG), Aditya Birla Housing Finance Limited (ABHFL) is registered with the National Housing Bank as a housing finance company under the National Housing Bank Act, 1987. The company offers a complete range of housing finance solutions such as home loans, home improvement and home construction loans, balance transfer and top-up loans, loans against property and construction finance. The company acquired its license on 9th July 2014 and has aggressive growth plans ABHFL operates in the Rs. 11. 4 trillion Indian Housing Finance market, which has grown at a steady rate of 17% CAGR over the last 3 years while reporting good asset quality despite challenges in the operating environment. While the industry is dominated by five large groups, there has been an emergence of newer entrants in niche segments like affordable housing and self-employed borrowers, given the high potential in these segments. Despite increased focus by banks, HFCs have been able to maintain their share in the mortgage market and has remained stable at ~37% as on December 2015 The nature of the HFC business (dealing largely with retail customers in the potentially sensitive area of housing/ mortgages), along with the additional regulatory and control mechanisms imposed as a result, means it is imperative that all functions and processes align and comply with sound risk management guidelines and applicable regulations/ controls proactively and judiciously. This is vital for managing risk and protecting interests of both the business as well as the customer Job Context Key Aspects: The Risk team provides core underwriting services fundamental to the ABHFL business health, risk management and sustainability. Structured as a dual to the Sales/ Sourcing team, with positions mapped against corresponding Sales roles across the organization, the Risk team is responsible for necessary controls and process checks to ensure business performance and health Key Challenges While the ABFL Mortgages team also works with retail customers in the property space, the ABHFL business is exposed to the additional Construction Risk, i. e. risk from under construction projects not getting completed as planned. The Risk Team must factor for this when designing and implementing control mechanisms, and evaluating business proposals ABHFL is in its inception phase as a company and in the midst of rapid growth. The Risk function must therefore be able to balance priorities of risk management and business growth efficiently, without increasing sub-prime exposures or impacting business health and sustainability The housing space is characterized by state-wise norms and business practices, as well as varied interpretations of regulatory guidelines by different stakeholders. It is therefore essential for Risk function team members to remain up to date on business practices/ norms in their respective states/ locations and work within regulatory guidelines in a manner that minimizes business risk and also supports growth objectives Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include business and commercial acumen, analytical skills, interpersonal and presentation skills, and execution capabilities Education & experience required to fulfil this profile are a CA/ MBA Finance with minimum 0 3 yrs of experience in a bank/ NBFC/ HFC Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Underwriting and Portfolio Quality Management Execute risk and credit operations for basic transactions assigned, in adherence with defined frameworks and principles across ABHFL business lines Seek guidance from seniors proactively and gather insights on technical aspects as well as state/ property specific considerations for effective risk assessment of individual cases Liaise with relevant ABFL Risk team members for clarifications on Legal-Technical evaluations, as required KRA2 Process Efficiency Execute risk operations efficiently and in a manner that enables business performance while ensuring risk management imperatives Coordinate seamlessly with Credit Processing Analysts to ensure case files are logged appropriately before proceeding to initiate credit operations Work as per process-driven coordination mechanisms with Sales and Operations teams for effective decision making and problem solving in line with business and risk management needs escalate to RCM as required KRA3 Risk Compliance & Control Ensure compliance with established risk management principles and norms compile periodic and need based MIS, reports, escalation case documents, etc. Conduct local risk operations in line with defined Maker Checker mechanism with Sales and Operations teams in a systematic manner, across key aspects such as exception approvals, collateral valuation, PDD completion, cheque bounce collections, etc. KRA4 Collection Efficiency Work in alignment with process-driven mechanisms for coordination with the Collections/ Operations team on tracking delinquency cases and driving collections efficiently and effectively Escalate specific/ complex cases, as required, to RCM for recovery and delinquency/ NPA avoidance

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Skills Customer Service Skills Excellent communication and interpersonal skills to interact effectively with customers Regulatory Knowledge Familiarity with KYC (Know Your Customer), AML (Anti-Money Laundering), and other compliance requirements Sales and negotiation - Ability to sell financial products and services Attention to detail High level of accuracy in handling cash transactions and financial documents Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc.) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc.) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills.

About Branch Banking The branches act as the face of Axis Bank for millions of retail customers and is, hence, an integral part of the Bank s strategy. Branches play a major role in deposit mobilization from New-To-Bank (NTB) customers, and are also core drivers of the Bank s customer engagement strategy across products and services. About the Role As a part of the branch banking team, Branch Relationship Officers (BROs) are responsible for providing financial solutions to customer by offering bank s products, providing service to existing and New To bank customers in the branch and adding new customers through referral generation activities and customer visits. They will be required to use their communication skills to add new customers and Cross Sell of Bank products. As part of daily cadence, BROs are required to engage with existing customers of Bank which are mapped to their portfolio for offering additional products of the bank as per the need of the customer. BROs are expected to process customer transactions and Service requests within defined turnaround time (TAT) and ensure end to end closure. BROs may also be posted as teller as per organization s requirements for processing cash transactions of customers. BROs shall introduce customers to alternate channels of banking such as Internet Banking, mobile banking, Whatsapp banking wherever possible Key Skills Customer Service Skills Excellent communication and interpersonal skills to interact effectively with customers Regulatory Knowledge Familiarity with KYC (Know Your Customer), AML (Anti-Money Laundering), and other compliance requirements Sales and negotiation - Ability to sell financial products and services Attention to detail High level of accuracy in handling cash transactions and financial documents Key Responsibilities Offering solutions and Cross selling Bank s retail banking and third party products as per assigned budgets. (Eg. Life insurance, General insurance, Mutual Funds, Loans etc.) Achieve Business budgets as assigned by the organization on a monthly basis consistently. Generating referrals and leads of new customers for sale of bank s products. Promoting bank s products by taking part in marketing activities and customer visits outside the branch. Contact existing customers for bringing in more deposits and cross selling of bank s products. Timely and accurate processing of customer transactions and requests. Handle customer queries and provide correct solutions to ensure there are no customer complaints. Follow all compliance guidelines (regulatory and legislative) for each activity released from time to time. Ensure that all audit requirements of the bank are met optimum audit rating. Complete all mandatory certifications required for the role (EUIN, SP Certification etc.) Complete all learning activities/ trainings conducted by the bank from time to time. Daily entry of interaction with customers in bank s CRM system. Participate and follow all initiatives/ Campaigns/ Drives that are undertaken by the bank from time to time Qualifications Graduation/ Post-Graduation from a recognized institute Role Proficiencies Knowledge of banking regulations and norms Maintain a high level of knowledge of banking products and services Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills.

Identifications and Tie Ups with Used Car Dealers as well as Re-sellers Resolution of PDD(if any) Take care of Used Car Loan collection Team Building and Channel Development Achievement of Business Plan Portfolio management in coordination with Ops & Collection Asset Verification of the cases under processing Taking care of vehicle loan business all across assigned geography Regular review meeting with line managers Strong check on EDs and NS cases Builds business by identifying and selling prospects, maintaining relationships

RL - Mortgages Sales Manager - Prime Mortgages- DSA About the Business Group The Mortgages department is a part of the Retail Lending business of the bank and offers Home Loans and Loan against Property to all categories of customers Pan India. About the Role This is a leadership role responsible for achieving business goals, optimizing profitability, overseeing compliance, and driving transformation within HL and LAP business. It involves strategic planning and execution to maximize revenue, enhance portfolio growth, and ensure risk compliance. Details of the Role Department Retail Lending Grade AM/DM/M Sub-Department Retail Lending- Prime Mortgages Reporting (Business) M/SM/AVP Location Pan India Reporting (Matrix) Key Responsibilities Business Goals and Profitability Achieve home loan disbursement targets through assigned DSA partners. Drive daily productivity through regular engagement and support to DSAs. Create and convert the prospects for cross selling opportunities. Sales and Channel Development Conduct onboarding, training, and motivation sessions for DSA sales staff. Monitor DSA leads and assist in file movement, eligibility checks, and query resolution. Compliance and Risk Management Ensure adherence to sourcing quality, documentation norms, and process compliance. Track DSA behavior to avoid mis-selling or documentation lapses. Customer Experience Ensure prompt customer service and quick turnaround on queries raised by DSA leads. Coordinate between DSAs and internal teams for smooth processing. Digital Adoption and Innovation Drive usage of digital tools among DSA partners for efficient lead flow and tracking. Qualifications: Graduation/post-graduation from a recognized institute 2+ sales experience (secured products preferred) with at least 0-2 years in HL and LAP Role Proficiencies Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Capability to handle pressure and meet deadlines Skill in managing large, geographically spread team; coaching and mentoring team members Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills About Axis Incorporated in 1994, Axis Bank is one of India s most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool. The Bank has a young & engaged workforce with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.

RL - Mortgages Sales Manager - Prime Mortgages- DSA About the Business Group The Mortgages department is a part of the Retail Lending business of the bank and offers Home Loans and Loan against Property to all categories of customers Pan India. About the Role This is a leadership role responsible for achieving business goals, optimizing profitability, overseeing compliance, and driving transformation within HL and LAP business. It involves strategic planning and execution to maximize revenue, enhance portfolio growth, and ensure risk compliance. Details of the Role Department Retail Lending Grade AM/DM/M Sub-Department Retail Lending- Prime Mortgages Reporting (Business) M/SM/AVP Location Pan India Reporting (Matrix) Key Responsibilities Business Goals and Profitability Achieve home loan disbursement targets through assigned DSA partners. Drive daily productivity through regular engagement and support to DSAs. Create and convert the prospects for cross selling opportunities. Sales and Channel Development Conduct onboarding, training, and motivation sessions for DSA sales staff. Monitor DSA leads and assist in file movement, eligibility checks, and query resolution. Compliance and Risk Management Ensure adherence to sourcing quality, documentation norms, and process compliance. Track DSA behavior to avoid mis-selling or documentation lapses. Customer Experience Ensure prompt customer service and quick turnaround on queries raised by DSA leads. Coordinate between DSAs and internal teams for smooth processing. Digital Adoption and Innovation Drive usage of digital tools among DSA partners for efficient lead flow and tracking. Qualifications: Graduation/post-graduation from a recognized institute 2+ sales experience (secured products preferred) with at least 0-2 years in HL and LAP Role Proficiencies Strong sales orientation Proficiency in managing complex client relationships, diverse stakeholders Capability to handle pressure and meet deadlines Skill in managing large, geographically spread team; coaching and mentoring team members Competence in managing within a dynamic, priority-setting environment Strong risk and compliance mindset Adept at communication and interpersonal skills About Axis Incorporated in 1994, Axis Bank is one of India s most trusted banks & the third largest in the private sector. At Axis Bank, customer centricity has always been the foundation of our business. Our efforts to address the requirements of a diverse customer cross-section are powered by robust infrastructure, advanced technology, a comprehensive monitoring & control framework & a large talent pool. The Bank has a young & engaged workforce with an average age of 30 years. We are an equal opportunity employer & believe in empowering our employees by offering rich roles, learning opportunities & flexibility to chart their career, their way.

About Bharat Banking Bharat Banking is a new Department which has been set up to drive different business that the Bank does in Semi Urban and rural markets. The department is expected to drive business outcomes by focusing on partnerships, new products, innovation, reimagining customer journeys and driving / creating new channel. About the Role The Sales Manager leads a team of executives is responsible for sourcing of loan proposals in the rural lending space. The Sales Manager attends the service requests of customers and assists in documentation/ disbursement formalities. The Job holder is also responsible for driving the business through other channel partners Key Skills: Communication : Excellent verbal and written communications skills for interacting with team members and customers Sales and negotiationStrong negotiation skills to close deals and meet targets Customer Service : Ensuring that the sales team provides excellent customer service and addresses customer inquiries and complaints effectively Problem Solving : Identifying issues and developing effective solutions to overcame obstacles Key Responsibilities Achieve the disbursement targets as assigned by the organization and ensure maintenance of quality of the portfolio Process transactions efficiently and accurately while maintaining high service standards Handle customer queries and provide appropriate solutions Engage with customers and generate revenue by promoting and cross-selling other products Manage relationships with customers to increase the depth of existing relationships Responsible for the soft recovery of loans in existing portfolio Comply with KYC/SEBI rules, regulations, and legislation governing the bank Qualifications Graduation/ Post-Graduation from a recognized institute #ComeAsYouAre We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply Role Proficiencies Good communication (both verbal and written) skill in both English and the local language Excellent lead generation and conversion skill Ability to handle pressure and meet deadlines High sales orientation to meet the sales targets consistently. Ability to manage complex client situations. Ability to coach and mentor others. Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment.

Loan Servicing Manager - Associate role, a pivotal position within our Loans group. This role is integral to our team, offering the opportunity to engage with various facets of banking operations. As a Loan Servicing Manager - Associate, you will be responsible for executing specific tasks and requirements, contributing to the seamless functioning of our banking office. Join us to make a significant impact and gain valuable exposure in the financial industry Job Summary As a Loan Servicing Manager - Associate in our Loans group, you will oversee daily team activities to ensure compliance with Service Level Agreements (SLAs). Your responsibilities will include supervising processes such as Deal Closing, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. This role offers a unique opportunity to develop your skills in managing Nostro & Past Due Reconciliation while making a significant impact on our operations. Job Responsibilities Monitor the team daily to ensure all SLAs are met and escalate exceptions for resolution. Supervise processes including Deal Closing, Drawdowns, Rollovers, and more. Ensure adherence to QUALITY & QUANTITY SLAs with a robust workflow model. Serve as the SME, handling complex queries and routing them to onshore teams if needed. Implement a Knowledge Management model with SOP maintenance and training. Drive 100% compliance with Process Policies, Guidelines, and Controls. Motivate and support team members to achieve their goals and identify high-potential employees. Identify alternatives and options for addressing issues and exploring scenarios. Collaborate effectively with colleagues, leveraging diverse skills to achieve goals. Identify training needs for process and soft skills to enhance performance. Ensure team depth with trained backups for critical work queues. Required qualifications, skills and capabilities Hold a bachelors degree with at least 10 years of relevant loan servicing experience in syndicated loans or the financial industry. Possess knowledge of loan systems like Loan IQ Demonstrate expertise in nostro/cash matching, General Ledger reconciliation, and SWIFT/remittance systems. Exhibit strong problem-solving and investigative skills to analyze and resolve process-related issues. Maintain a strong risk and control mindset. Understand investment banking products, including loans. Drive projects effectively, showcasing strong people, performance, and escalation management skills. Preferred qualifications, skills and capabilities Influence and lead conversations effectively with stakeholders. Demonstrate executive presence by summarizing, recommending, and presenting issues and solutions to senior management. Cultivate strong interpersonal and communication skills for domain learning. Apply analytical thinking and problem-solving skills to challenges. Understand product lifecycle and area product management. Loan Servicing Manager - Associate role, a pivotal position within our Loans group. This role is integral to our team, offering the opportunity to engage with various facets of banking operations. As a Loan Servicing Manager - Associate, you will be responsible for executing specific tasks and requirements, contributing to the seamless functioning of our banking office. Join us to make a significant impact and gain valuable exposure in the financial industry Job Summary As a Loan Servicing Manager - Associate in our Loans group, you will oversee daily team activities to ensure compliance with Service Level Agreements (SLAs). Your responsibilities will include supervising processes such as Deal Closing, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. This role offers a unique opportunity to develop your skills in managing Nostro & Past Due Reconciliation while making a significant impact on our operations. Job Responsibilities Monitor the team daily to ensure all SLAs are met and escalate exceptions for resolution. Supervise processes including Deal Closing, Drawdowns, Rollovers, and more. Ensure adherence to QUALITY & QUANTITY SLAs with a robust workflow model. Serve as the SME, handling complex queries and routing them to onshore teams if needed. Implement a Knowledge Management model with SOP maintenance and training. Drive 100% compliance with Process Policies, Guidelines, and Controls. Motivate and support team members to achieve their goals and identify high-potential employees. Identify alternatives and options for addressing issues and exploring scenarios. Collaborate effectively with colleagues, leveraging diverse skills to achieve goals. Identify training needs for process and soft skills to enhance performance. Ensure team depth with trained backups for critical work queues. Required qualifications, skills and capabilities Hold a bachelors degree with at least 10 years of relevant loan servicing experience in syndicated loans or the financial industry. Possess knowledge of loan systems like Loan IQ Demonstrate expertise in nostro/cash matching, General Ledger reconciliation, and SWIFT/remittance systems. Exhibit strong problem-solving and investigative skills to analyze and resolve process-related issues. Maintain a strong risk and control mindset. Understand investment banking products, including loans. Drive projects effectively, showcasing strong people, performance, and escalation management skills. Preferred qualifications, skills and capabilities Influence and lead conversations effectively with stakeholders. Demonstrate executive presence by summarizing, recommending, and presenting issues and solutions to senior management. Cultivate strong interpersonal and communication skills for domain learning. Apply analytical thinking and problem-solving skills to challenges. Understand product lifecycle and area product management.

Location: Mumbai Designation: Analyst Entity: Deloitte Touche Tohmatsu India LLP Your potential, unleashed. India s impact on the global economy has increased at an exponential rate and Deloitte presents an opportunity to unleash and realise your potential amongst cutting edge leaders, and organisations shaping the future of the region, and indeed, the world beyond. At Deloitte, your whole self to work, every day. Combine that with our drive to propel with purpose and you have the perfect playground to collaborate, innovate, grow, and make an impact that matters. The team Enterprise technology has to do much more than keep the wheels turning; it is the engine that drives functional excellence and the enabler of innovation and long-term growth . Learn more about ET&P Your work profile As Analyst in our Oracle Team you ll build and nurture positive working relationships with teams and clients with the intention to exceed client expectations: - Responsibilities: Understanding of the Bank s Balance Sheet and various products like loans, commitments, deposits, derivatives, etc. Knowledge of Risk Management, Regulatory Compliance, and Financial Reporting - Asset Liability Management, Stress testing, Liquidity risk management (Statement of Structural Liquidity, Liquidity Coverage Ratio, Net Stable Funding Ratio), and Interest rate risk management (Statement of Interest Rate Sensitivity, Traditional Gap & Duration Gap Analysis of Interest Rate Risk) Working knowledge of Asset Liability Management, LCR/NSFR, IRRBB Risk management system knowledge/experience like OFSAA, Sungard, etc. Excellent communication and interpersonal skills Strong problem-solving and solution-development skills Proficiency in working with Microsoft Office tools Understanding of Database and SQL Location and way of working Base location: Mumbai This profile involves occasional travelling to client locations OR this profile does not involve extensive travel for work. Hybrid is our default way of working. Each domain has customised the hybrid approach to their unique needs. Your role as a Analyst We expect our people to embrace and live our purpose by challenging themselves to identify issues that are most important for our clients, our people, and for society. In addition to living our purpose, Analyst across our organization must strive to be: Inspiring - Leading with integrity to build inclusion and motivation Committed to creating purpose - Creating a sense of vision and purpose Agile - Achieving high-quality results through collaboration and Team unity Skilled at building diverse capability - Developing diverse capabilities for the future Persuasive / Influencing - Persuading and influencing stakeholders Collaborating - Partnering to build new solutions Delivering value - Showing commercial acumen Committed to expanding business - Leveraging new business opportunities Analytical Acumen - Leveraging data to recommend impactful approach and solutions through the power of analysis and visualization Effective communication Must be well abled to have well-structured and well-articulated conversations to achieve win-win possibilities Engagement Management / Delivery Excellence - Effectively managing engagement(s) to ensure timely and proactive execution as well as course correction for the success of engagement(s) Managing change - Responding to changing environment with resilience Managing Quality & Risk - Delivering high quality results and mitigating risks with utmost integrity and precision Strategic Thinking & Problem Solving - Applying strategic mindset to solve business issues and complex problems Tech Savvy - Leveraging ethical technology practices to deliver high impact for clients and for Deloitte Empathetic leadership and inclusivity - creating a safe and thriving environment where everyones valued for who they are, use empathy to understand others to adapt our behaviours and attitudes to become more inclusive. How you ll grow Connect for impact Our exceptional team of professionals across the globe are solving some of the world s most complex business problems, as well as directly supporting our communities, the planet, and each other. Know more in our Global Impact Report and our India Impact Report . Empower to lead You can be a leader irrespective of your career level. Our colleagues are characterised by their ability to inspire, support, and provide opportunities for people to deliver their best and grow both as professionals and human beings. Know more about Deloitte and our One Young World partnership. Inclusion for all At Deloitte, people are valued and respected for who they are and are trusted to add value to their clients, teams and communities in a way that reflects their own unique capabilities. Know more about everyday steps that you can take to be more inclusive. At Deloitte, we believe in the unique skills, attitude and potential each and every one of us brings to the table to make an impact that matters. Drive your career At Deloitte, you are encouraged to take ownership of your career. We recognise there is no one size fits all career path, and global, cross-business mobility and up / re-skilling are all within the range of possibilities to shape a unique and fulfilling career. Know more about Life at Deloitte. Everyone s welcome entrust your happiness to us Our workspaces and initiatives are geared towards your 360-degree happiness. This includes specific needs you may have in terms of accessibility, flexibility, safety and security, and caregiving. Here s a glimpse of things that are in store for you. Interview tips We want job seekers exploring opportunities at Deloitte to feel prepared, confident and comfortable. To help you with your interview, we suggest that you do your research, know some background about the organisation and the business area you re applying to. Check out recruiting tips from Deloitte professionals.

Sales Manage - Pune Opening: 1 Nos. Job ID: 113110 Employment Type: Full Time Reference: Work Experience: 3.0 Year(s) To 8.0 Year(s) CTC Salary: Not Disclosed by Recruiter Function: ITES / BPO / KPO / Customer Service / Operations Industry: Account/Finance/Tax consulting Qualification: Any - Any Graduation Location: Pune Posted On: 18th Jul, 2025 Share On WhatsApp Share LinkedIn Share Facebook Share Twitter Job Description: We have an urgent opening for the position of Sales Operations (Hybrid) for a reputed Company for Mumbai (Andheri-E) location Job Description: Establish and manage corporate and other partnerships Generate medical loans at the channel / partner hospitals and wellness clinics Serve as Arogya Finance ambassador not only to patients but to physicians and staff at partner hospitals Responsible for continuously educating hospitals on the company s latest offerings Process loan files based on the credit policy Conduct personal discussion with potential customers Keep a track of competitor marketing and promotional campaigns Submit MIS reports Meet customers for overdue collection Work independently on the delegated financial powers Proficiency in credit underwriting will be an advantage Skills Required: Excellent communication and interpersonal skills Experience in Client facing Strong organizational skills and attention to details High level of motivation and drive High level of comfort working in a fast-paced, independent environment Report to: Business Head Qualification: MBA/ Post Graduate / Graduate (Any Graduate, 7+ years of experience) Key Skills : Banking Operation Operations Mis Computer Knowledge Sales Bd