3203 Loans Jobs - Page 28

Credit Support Specialist III - Senior Team Member, a pivotal role within our Loans group. This position is integral to our team, offering the opportunity to engage with various facets of banking operations. As a key contributor, you will be expected to excel in executing specific tasks and requirements, driving success and efficiency in our banking office Job Summary As a Credit Support Specialist III - Senior Team Member in our Loans group, you will be responsible for executing assigned tasks while ensuring compliance with all Service Level Agreements (SLAs). Your role will encompass a variety of processes, including Deal Closing, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. This position offers a unique opportunity to refine your skills in Nostro & Past Due Reconciliation and make a meaningful impact on our operations Job Responsibilities Adhere to established QUALITY & QUANTITY SLAs. Comply 100% with process-related policies, guidelines, and controls. Process Deal Closings, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. Support the secondary trading desk with trade booking and settlements. Liaise with internal departments and external contacts, including Borrowers and Banks. Ensure timely follow-ups with agents/customers for missing notifications. Complete all funding within SLAs on the same day. Serve as the SME and first internal POC for process-related queries. Act as the first escalation point for process-related issues. Maintain attention to detail to ensure accurate document processing. Identify and implement process changes to enhance productivity and efficiency. Required qualifications, skills and capabilities Hold a Bachelor s degree in Finance or related field, or possess equivalent work experience. Minimum 6 months of experience in the Financial Services industry with a proven track record. Understand business financial statements, cash flow capacity, and loans across various industries. Exhibit strong research, analytical, and comprehension skills for analyzing large data sets. Manage clients effectively, build partnerships, and handle multiple stakeholders simultaneously. Utilize effective time management and prioritization skills to meet business objectives. Communicate effectively and work independently on multiple assignments with strong interpersonal skills. Preferred qualifications, skills and capabilities Build relationships with clients, internal partners, and peers effectively. Recognize issues or problems that require escalation. Demonstrate strong domain learning and interpersonal communication skills. Apply analytical thinking and problem-solving skills. Possess knowledge of product lifecycle and area product management. Credit Support Specialist III - Senior Team Member, a pivotal role within our Loans group. This position is integral to our team, offering the opportunity to engage with various facets of banking operations. As a key contributor, you will be expected to excel in executing specific tasks and requirements, driving success and efficiency in our banking office Job Summary As a Credit Support Specialist III - Senior Team Member in our Loans group, you will be responsible for executing assigned tasks while ensuring compliance with all Service Level Agreements (SLAs). Your role will encompass a variety of processes, including Deal Closing, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. This position offers a unique opportunity to refine your skills in Nostro & Past Due Reconciliation and make a meaningful impact on our operations Job Responsibilities Adhere to established QUALITY & QUANTITY SLAs. Comply 100% with process-related policies, guidelines, and controls. Process Deal Closings, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. Support the secondary trading desk with trade booking and settlements. Liaise with internal departments and external contacts, including Borrowers and Banks. Ensure timely follow-ups with agents/customers for missing notifications. Complete all funding within SLAs on the same day. Serve as the SME and first internal POC for process-related queries. Act as the first escalation point for process-related issues. Maintain attention to detail to ensure accurate document processing. Identify and implement process changes to enhance productivity and efficiency. Required qualifications, skills and capabilities Hold a Bachelor s degree in Finance or related field, or possess equivalent work experience. Minimum 6 months of experience in the Financial Services industry with a proven track record. Understand business financial statements, cash flow capacity, and loans across various industries. Exhibit strong research, analytical, and comprehension skills for analyzing large data sets. Manage clients effectively, build partnerships, and handle multiple stakeholders simultaneously. Utilize effective time management and prioritization skills to meet business objectives. Communicate effectively and work independently on multiple assignments with strong interpersonal skills. Preferred qualifications, skills and capabilities Build relationships with clients, internal partners, and peers effectively. Recognize issues or problems that require escalation. Demonstrate strong domain learning and interpersonal communication skills. Apply analytical thinking and problem-solving skills. Possess knowledge of product lifecycle and area product management.

Designation Sr. Sales Manager Qualification Graduate / PG Experience 8 - 12 (Real Estate Industry) Key Skills Sales, Channel Sales, Team Management Tie ups with Financial Institutions Job Description Prepare budgets & cash flows for respective projects Monitor & ensure that budgeted sales & revenue numbers are achieved on monthly/quarterly/yearly basis by each team member Ensure all team members attend /follow up Leads received through various sources Coordinate/help team members in sale closures. Ensure all booking norms are followed as per policy Ensure proper approvals are taken for any special Offers/Discounts/Deviation in payment schedules from management Coordinate with Customers and FI s for smooth process of Home Loans Interact with digital & other business partners for promotion & quality lead generation of respective projects. Ensure participation of team members in every property shows/corporate events. Facilitate CRM Team in collection of installment payments from customers Assist in recruitment, training & development of team members

Embark on a transformative journey as a Process Advisor at Barclays, where youll play a pivotal role in shaping the future. Join us in our mission to safeguard our business and our customers from financial crime risks. To thrive in this role, you ll need some previous experience in: Experience of working in a customer facing service environment. Receive inbound and outbound phone calls from customers and service their needs effectively and efficiently. Ability to determine appropriate, affordable solutions for customers regarding their personal financial situation. Support customers by offering payment options, taking payments, solving problems, and providing excellent service. Effective communication skills. You may be assessed on key essential skills relevant to succeed in role, such as risk and controls, change and transformation, business acumen, strategic thinking and digital and technology, as well as job-specific technical skills. This role is based out of Noida. Purpose of the role To collaborate with customers and negotiate repayment arrangements on outstanding loans/credit card repayments. Accountabilities Provision of excellent customer service, adherent to Barclays policies and procedures, by responding and resolving customer requests and inquiries effectively. Collaboration with internal stakeholders, including the relevant risk management teams, to align collection activities and comply with regulatory requirements and internal processes. Collaboration across functional projects and initiatives to support the broader business operations team. Support the business operation function team with day-to-day collection activities including customer service, risk management and compliance. Communication to customers with outstanding loans and/or credit card payments to negotiate payment arrangements and resolve any financial delinquencies. Maintenance of accurate and up-to-date records of all collection activities, including customer interactions, payment plans and account status updates. To collaborate with customers and negotiate repayment arrangements on outstanding loans/credit card repayments. Analyst Expectations To meet the needs of stakeholders/ customers through operational excellence and customer service Perform prescribed activities in a timely manner and to a high standard No people leadership roles at this grade. Execute work requirements as identified in processes and procedures, collaborating with and impacting on the work of team members. Identify escalation of policy breaches as required. Take responsibility for customer service and operational execution tasks. Take ownership for managing risk and strengthening controls in relation to the work you own or contribute to. Deliver your work and areas of responsibility in line with relevant rules, regulation and codes of conduct. Gain and maintain an understanding of own role, how the team integrates to achieve overall objectives, alongside knowledge of the work of other teams within the function. Work within well-defined procedures that may involve a variety of work routines. Demonstrate an understanding of the procedures. Evaluate and select the appropriate alternatives from defined options. Make judgements based on the analysis of factual information. Build relationships with stakeholders and customers to identify and address their needs, in support of a smooth operating process, handling sensitive issues as required. All colleagues will be expected to demonstrate the Barclays Values of Respect, Integrity, Service, Excellence and Stewardship our moral compass, helping us do what we believe is right. They will also be expected to demonstrate the Barclays Mindset to Empower, Challenge and Drive the operating manual for how we behave.

Team Data Platform About Navi Navi is one of the fastest-growing financial services companies in India providing Personal Home Loans, UPI, Insurance, Mutual Funds, and Gold. Navis mission is to deliver digital-first financial products that are simple, accessible, and affordable. Drawing on our in-house AI/ML capabilities, technology, and product expertise, Navi is dedicated to building delightful customer experiences. Founders Sachin Bansal Ankit Agarwal Know what makes you a Navi_ite 1.Perseverance, Passion and Commitment Passionate about Navi s mission and vision Demonstrates dedication, perseverance and high ownership Goes above and beyond by taking on additional responsibilities 2.Obsession with high quality results Consistently creates value for the customers and stakeholders through high quality outcomes Ensuring excellence in all aspects of work Efficiently manages time, prioritizes tasks, and achieves higher standards 3.Resilience and Adaptability Adapts quickly to new roles, responsibilities, and changing circumstances, showing resilience and agility Requirements Design, develop, and maintain backend services, data pipelines, and batch/realtime datasets related to web events and analytics. Strong Proficiency in at least one of the following languages Java, Python, Scala. Expertise in object-oriented design, design patterns, and data structures. Lead the development of new foundational capabilities in support of enabling our users to interact with, analyze, and derive insights from their data. Solve complex and challenging problems in the intersection between low latency, high correctness, and full determinism. Participate in code reviews, provide mentorship to junior team members, and enforce coding standards. Investigate, diagnose, and resolve software defects and issues, ensuring a high level of product quality. Contribute to the overall architecture and design of data platform frameworks Strong interpersonal skills, showcasing effective stakeholder management with product and design teams. A minimum of 5 years of software development experience. Preferred Qualifications Familiarity with modern data lakehouse architectures and related technologies (e.g. Spark, flink, Kafka, trino). Prior experience in on-prem data-platform is preferred. Demonstrated ability to quickly adapt to new and complex development environments, along with strong deep-dive analytical skills. Previous success in mentoring and guiding junior engineers.

You are a strategic thinker passionate about driving solutions in business architecture and data management. You have found the right team. As a Banking Book Product Owner Analyst in our Firmwide Finance Business Architecture (FFBA) team, you will spend each day defining, refining, and delivering set goals for our firm. You will partner with stakeholders across various lines of business and subject matter experts to understand products, data, source system flows, and business requirements related to Finance and Risk applications and infrastructure. As a Product Owner on the Business Architecture team, you will work closely with Line of Business stakeholders, data Subject Matter Experts, Consumers, and technology teams across Finance, Credit Risk & Treasury, and various Program Management teams. Your primary responsibilities will include prioritizing the traditional credit product book of work, developing roadmaps, and delivering on multiple projects and programs during monthly releases. Your expertise in data analysis and knowledge will be instrumental in identifying trends, optimizing processes, and driving business growth. As our organization grows, so does our reliance on insightful, data-driven decisions. You will dissect complex datasets to unearth actionable insights while possessing a strong understanding of data governance, data quality, and data management principles. Job Responsibilities Utilize Agile Framework to write business requirements in the form of user stories to enhance data, test execution, reporting automation, and digital analytics toolsets. Engage with development teams to translate business needs into technical specifications, ensuring acceptance criteria are met. Drive adherence to product and Release Management standards and operating models. Manage the release plan, including scope, milestones, sourcing requirements, test strategy, execution, and stakeholder activities. Collaborate with lines of business to understand products, data capture methods, and strategic data sourcing into a cloud-based big data architecture. Identify and implement solutions for business process improvements, creating supporting documentation and enhancing end-user experience. Collaborate with Implementation leads, Release managers, Project managers, and data SMEs to align data and system flows with Finance and Risk applications. Oversee the entire Software Development Life Cycle (SDLC) from requirements gathering to testing and deployment, ensuring seamless integration and execution. Required qualifications, capabilities, and skills Bachelor s degree with 3+ years of experience in Project Management or Product Ownership, with a focus on process re-engineering. Proven experience as a Product Owner with a strong understanding of agile principles and delivering complex programs. Strong analytical and problem-solving abilities, with the capacity to quickly assimilate business and technical knowledge. Experience in Finance, Risk, or Operations as a Product Lead. Familiarity with Traditional Credit Products and Liquidity and Credit reporting data. Highly responsible, detail-oriented, and able to work with tight deadlines. Excellent written and verbal communication skills, with the ability to articulate complex concepts to diverse audiences. Strong organizational abilities to manage multiple work streams concurrently, maintaining sound judgment and a risk mindset. Solid understanding of financial and regulatory reporting processes. Energetic, adaptable, self-motivated, and effective under pressure. Basic knowledge of cloud technologies (e.g., AWS). Preferred qualifications, capabilities, and skills Knowledge of JIRA, SQL, Microsoft suite of applications, Databricks and data visualization/analytical tools (Tableau, Alteryx, Python) is a plus. Knowledge and experience of Traditional Credit Products (Loans, Deposits, Cash etc.,) and Trading Products (Derivatives and Securities) a plus. You are a strategic thinker passionate about driving solutions in business architecture and data management. You have found the right team. As a Banking Book Product Owner Analyst in our Firmwide Finance Business Architecture (FFBA) team, you will spend each day defining, refining, and delivering set goals for our firm. You will partner with stakeholders across various lines of business and subject matter experts to understand products, data, source system flows, and business requirements related to Finance and Risk applications and infrastructure. As a Product Owner on the Business Architecture team, you will work closely with Line of Business stakeholders, data Subject Matter Experts, Consumers, and technology teams across Finance, Credit Risk & Treasury, and various Program Management teams. Your primary responsibilities will include prioritizing the traditional credit product book of work, developing roadmaps, and delivering on multiple projects and programs during monthly releases. Your expertise in data analysis and knowledge will be instrumental in identifying trends, optimizing processes, and driving business growth. As our organization grows, so does our reliance on insightful, data-driven decisions. You will dissect complex datasets to unearth actionable insights while possessing a strong understanding of data governance, data quality, and data management principles. Job Responsibilities Utilize Agile Framework to write business requirements in the form of user stories to enhance data, test execution, reporting automation, and digital analytics toolsets. Engage with development teams to translate business needs into technical specifications, ensuring acceptance criteria are met. Drive adherence to product and Release Management standards and operating models. Manage the release plan, including scope, milestones, sourcing requirements, test strategy, execution, and stakeholder activities. Collaborate with lines of business to understand products, data capture methods, and strategic data sourcing into a cloud-based big data architecture. Identify and implement solutions for business process improvements, creating supporting documentation and enhancing end-user experience. Collaborate with Implementation leads, Release managers, Project managers, and data SMEs to align data and system flows with Finance and Risk applications. Oversee the entire Software Development Life Cycle (SDLC) from requirements gathering to testing and deployment, ensuring seamless integration and execution. Required qualifications, capabilities, and skills Bachelor s degree with 3+ years of experience in Project Management or Product Ownership, with a focus on process re-engineering. Proven experience as a Product Owner with a strong understanding of agile principles and delivering complex programs. Strong analytical and problem-solving abilities, with the capacity to quickly assimilate business and technical knowledge. Experience in Finance, Risk, or Operations as a Product Lead. Familiarity with Traditional Credit Products and Liquidity and Credit reporting data. Highly responsible, detail-oriented, and able to work with tight deadlines. Excellent written and verbal communication skills, with the ability to articulate complex concepts to diverse audiences. Strong organizational abilities to manage multiple work streams concurrently, maintaining sound judgment and a risk mindset. Solid understanding of financial and regulatory reporting processes. Energetic, adaptable, self-motivated, and effective under pressure. Basic knowledge of cloud technologies (e.g., AWS). Preferred qualifications, capabilities, and skills Knowledge of JIRA, SQL, Microsoft suite of applications, Databricks and data visualization/analytical tools (Tableau, Alteryx, Python) is a plus. Knowledge and experience of Traditional Credit Products (Loans, Deposits, Cash etc.,) and Trading Products (Derivatives and Securities) a plus.

The Finance manager will primarily be responsible for oversight of the cash flow process within the framework of overall treasury policy, oversight of all aspects of treasury operations, reporting and providing analytic support for strategies, maintaining relationships with bank service providers, providing strategic support for business units by leveraging bank products, services and relationships, identifying and implementing new bank technologies, products and services to improve cash cycle and simplify company operations, leading Treasury projects and partnering with cross-functional groups to support Treasury operations and initiatives. Responsibilities: Overseeing the country s treasury function, cash management, and bank relationships. Establishing and supporting bank accounts to manage company funds, forecasting future cash needs to ensure the company s daily cash requirements are met. Coordination with APJ / Corporate Treasury on setting up and supporting local factoring facilities ,intercompany loans / share capital Managing debt obligations of the company including interest payments and facility review. Facilitate the information exchange with local operations and management analysis to make sure the business teams understand if/when/what is creating exposures and then the hedge request communication to Treasury. Collaborating with TD capital team to review proposals and documentation for long-term financing solutions Regulatory compliances - RBI, FEMA, and GST regulations require frequent filings, accurate documentation, and compliance with cross-border payment norms. Monitoring exposure, supporting clean balances, monitoring trial balance revaluations and shadow balances, managing USD order backlog and providing accurate data to APJ/Corporate Treasury for contract execution Focus on process improvements, including API integrations, automation of reconciliations, and digital payment approval workflows Providing strategic support for business units by leveraging bank products, services, and relationships. Identifying emerging banking technologies and implementing new systems, products, and services to improve cash cycle and simplify company operations Administrating banking systems, including access reviews, mitigate fraud, and ensure compliance with relevant SarbanesOxley controls. Knowledge, Skills and Experience: >8 to 10 Years of relevant work experience Masters / Post Graduate Degree Chartered Accountant- India required Masters / Post Graduate Degree Chartered Accountant- India preferred > Able to demonstrate complex problem solving, critical thinking, and decision-making. Able to recognize and attend important details with accuracy and efficiency. Able to communicate clearly and convey necessary information. Able to converse write effectively in English Key Skills What s In It For You

We are Alter Domus. Meaning The Other House in Latin, Alter Domus is proud to be home to 85% of the top 30 asset managers in the alternatives industry, and more than 5,000 professionals across 23 countries. With a deep understanding of what it takes to succeed in alternatives, we believe in being different. Invest yourself in the alternative, and join an organization where you progress on merit, where you can speak openly with whoever you are speaking to, and where you will be supported along whichever path you choose to take. Find out more about life at Alter Domus at careers.alterdomus.com Responsibilities: Provide industry expertise related to the review of syndicated loan notices Participate and lead manual extraction and data input Review automated data extraction results Identify and plan resolution for data quality issues Propose and execute process improvements Coordinate with global team Minimum Bachelor s degree in commerce stream, MBA/BBA is preferred Minimum of 2-5 years of experience in syndicated loans, corporate loan administration, private debt asset management, or loan agency Demonstrated innovation in process and quality improvement Ensure documented process guidelines are followed Ensure adherence to quality procedures and review for compliance Conduct process training or refresher trainings, as required Coordinate capacity and utilization of staffing and scheduling, including daily work allocation Scheduling and managing the team shifts, including time off Report to the manager on performance, status and any escalations Drive a culture of continuous improvement within the team Speed and accuracy when reviewing or inputting data Ability to groom self and team to support vertical growth Ability to recognize and describe logical patterns Strong communication skills Excellent analytical skills Attention to detail Ability to work under tight timelines and schedules Flexibility to meet business demands (such as additional work hours or workdays) One-time setup of Power Backup (if the business decides the need to work remotely) and provision of PDAs Periodic need to work on firm/national holidays based on business needs High speed internet setup required if there is a need from the business to work remotely Ensure adherence to processes and provide updates to own area of work Experience working in global team Full-time during the hours of 21.00 PM 06.00 AM IST. These hours may change occasionally, based on business needs. Occasional weekend and holiday coverage will be required Weekly days off can be on any two consecutive days of the week WHAT WE OFFER: We are committed to supporting your development, advancing your career, and providing benefits that matter to you. Our industry-leading Alter Domus Academy offers six learning zones for every stage of your career, with resources tailored to your ambitions and resources from LinkedIn Learning. Our global benefits also include: Support for professional accreditations such as ACCA and study leave Flexible arrangements, generous holidays, birthday leave Continuous mentoring along your career progression Active sports, events and social committees across our offices Support with mental, physical, emotional and financial support 24/7 from our Employee Assistance Program The opportunity to invest in our growth and success through our Employee Share Plan Plus additional local benefits depending on your location Equity in every sense of the word: We are in the business of equity, in every sense of the word. For us, this means taking action to ensure every colleague has equal opportunity, valuing every voice and experience across our organisation, maintaining an inclusive culture where you can bring your whole self to work, and making Alter Domus a workplace where everyone feels they belong. We celebrate our differences, and understand that our success relies on diverse perspectives and experiences, working towards shared goals and a common purpose. Thanks to the work of our Group DE&I Committee and network of DE&I Champions, we empower all of our people to be truly invested in the alternative. We are committed to ensuring an inclusive recruiting and onboarding process. Please contact our hiring team if you require any accommodations to make our recruitment process more accessible for you. Jul. 07, 2025 Jul. 04, 2025 Previously viewed jobs No previously viewed jobs Amanda Donohue, Senior Manager, Cork Think ahead to five years time and where you would like to see yourself. That s what I did and Alter Domus offered me the right path. Aristidis Halikias, Managing Director, Chicago Many might think that the financial services industry is primarily numbers and math, but I believe we are a people business. The people at Alter Domus make it what it is, and we have some of the best in the entire industry. Carla Walmsley, Senior Manager, Jersey Alter Domus were fully supportive through my studying path, providing study support in the way of study fees and study leave, as well as some flexible working towards nearer each exam to help me manage with work/life (and exam!) balance. Shania Galea, Corporate Services Officer, Malta As a junior, I learn a lot from all colleagues around me. In addition, the AD Academy keeps on providing us with all the training we need. Join our talent community Sign up today to stay up to date with our latest opportunities! Upload your CV/Resume below Please select a category or location option. Click Add to create your job alert.

Job Purpose: The Finance manager will primarily be responsible for oversight of the cash flow process within the framework of overall treasury policy, oversight of all aspects of treasury operations, reporting and providing analytic support for strategies, maintaining relationships with bank service providers, providing strategic support for business units by leveraging bank products, services and relationships, identifying and implementing new bank technologies, products and services to improve cash cycle and simplify company operations, leading Treasury projects and partnering with cross-functional groups to support Treasury operations and initiatives. Responsibilities: Overseeing the country s treasury function, cash management, and bank relationships. Establishing and supporting bank accounts to manage company funds, forecasting future cash needs to ensure the company s daily cash requirements are met. Coordination with APJ / Corporate Treasury on setting up and supporting local factoring facilities ,intercompany loans / share capital Managing debt obligations of the company including interest payments and facility review. Facilitate the information exchange with local operations and management analysis to make sure the business teams understand if/when/what is creating exposures and then the hedge request communication to Treasury. Collaborating with TD capital team to review proposals and documentation for long-term financing solutions Regulatory compliances - RBI, FEMA, and GST regulations require frequent filings, accurate documentation, and compliance with cross-border payment norms. Monitoring exposure, supporting clean balances, monitoring trial balance revaluations and shadow balances, managing USD order backlog and providing accurate data to APJ/Corporate Treasury for contract execution Focus on process improvements, including API integrations, automation of reconciliations, and digital payment approval workflows Providing strategic support for business units by leveraging bank products, services, and relationships. Identifying emerging banking technologies and implementing new systems, products, and services to improve cash cycle and simplify company operations Administrating banking systems, including access reviews, mitigate fraud, and ensure compliance with relevant SarbanesOxley controls. Knowledge, Skills and Experience: >8 to 10 Years of relevant work experience Masters / Post Graduate Degree Chartered Accountant- India required Masters / Post Graduate Degree Chartered Accountant- India preferred > Able to demonstrate complex problem solving, critical thinking, and decision-making. Able to recognize and attend important details with accuracy and efficiency. Able to communicate clearly and convey necessary information. Able to converse write effectively in English Key Skills What s In It For You

Company: Credit Saison India About Credit Saison India: Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI). CS India is part of Saison International, the global business arm of Credit Saison with a focus on wholesale and direct lending as well as integrated tech partnerships with leading NBFCs and fintechs. In 2024, CS India received a US$145M strategic investment from Mizuho, its first capital injection from an external investor. Currently, Credit Saison India has a branch network of over 40 physical offices across India, 1.2 million active loans, an AUM of over US$1.2B, and an employee base of over 800 people. Credit Saison India has achieved an AAA rating from CRISIL (a subsidiary of S&P Global) & CARE Ratings. The AAA rating reflects Credit Saison India s operating track record and the support of its parent, Credit Saison. More information about the company can be found at www.creditsaison.in . Roles & Responsibilities: Candidates should have 5-7 years of experience in Collections with good communication skills and digital orientation. Experience of handling unsecured products (Digital PL,) will be an added advantage. . Expectations and Responsibilities: Managing the assigned portfolio by driving the collections team. Ensure implementation of Collections Strategies. Recruiting and Training In house as well as outbound teams. Identification and empanelment of Collection agencies to ensure proper collections coverage. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region. Managing NPA and Cost of Collections for the Region. Ensure maximum recoveries by collaborating with other teams including Legal/Central collections. Achieve target collections of Charges and Late payment penalties. To regularly present the performance of the assigned Region to Senior Management. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed. Company: Credit Saison IndiaAbout Credit Saison India:Credit Saison India (registered as Kisetsu Saison Finance (India) Private Limited) is an NBFC registered with the Reserve Bank of India (RBI...

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- Open 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 monthly disbursement targets by sourcing home loans directly from the market. Generate a steady pipeline through cold calling, field activities, and referrals. Create and convert the prospects for cross selling opportunities. Sales and Channel Development Build relationships with real estate agents, builders, and local influencers for leads. Execute local marketing initiatives such as kiosks, banners, and housing events. Compliance and Risk Management Ensure KYC, documentation, and eligibility checks are completed as per guidelines. Avoid high-risk profiles and maintain quality in sourced applications. Customer Experience Engage with prospects directly, understand needs, and provide end-to-end support. Ensure regular updates and timely follow-ups to close deals effectively. Digital Adoption and Innovation Capture and track leads using mobile tools and apps like MLP and SFDC. 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 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.

You will be responsible for conducting New Hire Orientation Programs to onboard candidates and evaluate them based on various parameters for certification. Enhancing their understanding of company products, policies, processes, and services will be a key aspect of your role. Providing On Job Training to newly joined employees during their initial 3 months and monitoring their productivity regularly will be crucial for their development. Identifying training needs by working closely with management and providing counseling when required will be part of your responsibilities. You will also be conducting Motivational Sessions for high vintage low-performing employees and auditing calls of DIP callers, providing constructive feedback to help improve their performance. In addition, you will be delivering training on Upselling to Sales Executives and educating Partner Brand Employees about company products and services. Regular visits to employees" workplaces and random quality checks will be necessary to ensure the application of best practices. To qualify for this role, you should have a minimum of 5 years of experience in Learning & Development or Training & Development. Prior experience in sectors such as Loans, Mortgages, Credit Cards, Banking, Insurance, or related fields will be preferred. Excellent communication skills are essential to effectively fulfill the responsibilities of this position.,

As a Mainframe Consultant/Functional Analyst with expertise in Banking Domain, your role will involve utilizing your skills in COBOL, DB2, VSAM, JCL, and CICS to contribute to Banking Domain projects. Your responsibilities will include hands-on development, support, and leveraging your knowledge in Loans/Mortgage for added advantage. The primary focus of your role will be to understand business needs, translate them into functional requirements, and facilitate effective communication between business stakeholders and the development team. By collaborating with the Feature Designer (Business Analyst) and other project stakeholders, you will gather and document requirements to ensure clarity and completeness. Subsequently, you will analyze the requirements to identify any inconsistencies or gaps and create functional design specs that outline how the system will meet business needs. Your role will also involve creating detailed documentation to serve as references for the development team, testers, and other project stakeholders. You will work closely with the development team to ensure alignment with functional specifications, acting as a bridge between business stakeholders and the technical team. Additionally, during the testing phase, you will provide test cases, scenarios, and guidance on expected system behavior, and may participate in user acceptance testing to address any issues or defects discovered. In summary, as a Mainframe Consultant/Functional Analyst with Banking Domain experience, your role will be pivotal in ensuring the successful delivery of IT solutions by effectively translating business needs into functional requirements and facilitating collaboration between stakeholders and the development team.,

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) Implement risk management processes at the ground level for the construction finance business, gaining a thorough understanding of the project and developer and preparing a credit memo to assess the project viability and proposal structure as per ABHFL risk parameters and customer requirements. Key activities are analysis of project viability, assessment of market information and developer financials. 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 Unit Workforce Number Function Workforce Number Department Workforce Number 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 Organizational Context Key Aspects: Part of the Aditya Birla Capital Limited, 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 has grown at a steady rate 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 segment 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 is poised for rapid growth and plans to grow 5X (40,000 Cr) in the next 5 years. This shall take ABHFL within the top 5 percentile of HFCs in the country. 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: The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across both retail HNI and corporate clientele. We have made significant investments in our process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all our business processes. Spread across 18 cities, we plan on further diversifying our risk and revenue mix through expansion into new geographies and new product segments allowing our customers a one-window shop for all their financing needs. The Business Credit Analyst is an integral part of the Construction Finance Business and is responsible for analyzing the proposals with the required due diligence and to ensure that all information required to take a credit decision is captured in the proposal. The analyst is also responsible to ensure that proposals are compliant with all the norms of credit policy, RBI regulations and other statutory regulations. He/she has to maintain stipulated TAT in credit appraisal process and is also responsible for keeping update on the various changes in economic scenario, sectors, etc., co-ordination with sales team and RMG for faster decisions to improvise TATs of the overall sanction process. Market Intelligence and understanding Competition best practices and suggesting changes in the existing product / policy and processes. Generating various MIS s and EWS (early warning signals), overall portfolio monitoring form risk as well as compliance perspective is an important job aspect. Key Challenges Cross functional coordination to enable timely approval of credit proposals Self-updating on economic / sectoral changes in the economy Improvising on TAT Seamless co-ordination with multiple internal and external entities New product development Enabling Skill Sets & Qualifications The critical skill sets are a strong analytical acumen, evaluation skills, detail orientation & decision-making skills, initiative & target orientation & market intelligence developed through a strong industry network. The education & experience required to fulfil this profile are a Chartered Accountant or an MBA with minimum 2-4 years of experience in credit and risk functions of Banks/NBFCs. 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) Key Result Areas Supporting Actions To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision to Risk team for further approval at CC level Meet with developers and builders to understand the viability of their projects, in terms of project scale, progress and financials Provide inputs towards the structuring of the deal, ensuring compliance with internal risk and external regulatory requirements Carry out an analysis of the balance sheet and recent financial results of developers and their organizations Carry out background research on the project, the developer and the regional market, highlighting any negative reports so as to ensure the quality of ABHFL s lending portfolio To interact with the Legal and Technical agencies to ensure that property risk have been understood and mitigated. Monitor statutory real estate guidelines and assess any relevant information from these sources Manage direct relationships with developer finance and accounts teams to get timely and correct information Prepare a credit memo and forward it to the Risk team /credit committee, following up on action so as to ensure minimal turn-around-time of the approval process To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favor of ABFL. Ensuring the underlying security mortgaged is marketable and having a clear title. Emphasize strict compliance and adherence to internal risk management and external regulatory norms Ensure a thorough understanding and acceptance of the ABFL credit risk strategies, and ensure that appropriate credit risk parameters are incorporated in proposals To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures Monitor customer accounts on a periodic basis to ensure the maintenance of acceptable asset quality levels Track delinquent and potentially problematic accounts closely, taking action to minimize the level of NPAs within the region Vendor Management Identifying and recommendation for Appointment of vendors at local levels including valuation, legal, Field Investigation Agencies, Fraud Containment Agencies. Managing TAT with various vendors a) Field investigation, b) Lawyers, c) Technical Valuers, d) RCU agency to ensure Customer Delight Regular Training and reviewing the performance of the vendors with regular interaction and keeping eye on the other financial institution association. Process Management Ensuring that end to end processes are followed as per the SOPs as defined for CF at the local assessment level Continuous improvement in credit approval process to meet the dynamic business needs and instituting mechanisms for adherence of risk associated with the product s, safety of financed amount and customer satisfaction. Proper capturing of data in the requisite system to ensure proper MIS generation for business decisions Training implementation for Local Credit Process team, Sales team on product, processes, legal and technical aspects. Handling customer escalations and complaints during and post disbursements replies to mailers, correspondences with co-ordination with the legal team 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) Credit Processing Associates(CPA) CPA who punch data of the balance sheet and projects. Coordinate with outside legal and technical agencies for valuation and reports. 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 Frequency Nature Internal CEO/CBO Head CF & RE Regional Sales Managers/SRM/RM Risk Function Credit Monitoring Team Head Risk, ABHFL Operations Function HR function IT Head/ OPS head Accounts function Marketing function Quarterly Daily/Need based Daily Daily Daily Monthly Daily Need Based Need based Need based Need based Business Review, MIS Project analysis, MIS and business review, Customer Meetings Project analysis, MIS and business review, Customer Meetings Project analysis, Resolution of Appraisal queries, MIS, Portfolio review MIS, Covenant compliance, NOC Issuance, Portfolio review, intimation on major shortfall/skips/defaults in portfolios Business Review, MIS Client servicing issues, Mortgage creation, Disbursal completion Recruitments, Performance Reviews, Incentives,Training, Talent Management Business applications, ongoing IT support Financial analysis and MIS Market feedback, marketing plans etc External Developers, Institutions and Real estate players Channel partners Auditors/ Lawyers/ Valuers/ FI & Fraud Containment Agencies Peers in the industry Daily/ Weekly Weekly/ fortnightly Daily Fortnightly/ Monthly Customer relationship management, gauging new product development opportunities Review pan India channel partner & distribution networks, effect of engagement programs CRM & Proposal discussions, understanding the market pulse, Review Meetings and Collection Meetings CRM, understanding the market pulse of new initiatives etc Ensuring proper Credit and Business discussions for smooth operations,Market intelligence & trends 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.

To deliver on area/ local strategy for the Unsecured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Unsecured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned) To take ownership for end to end Unsecured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations & coordination with Risk team 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) Investing & Financing Unit Workforce Number (Max 254 Characters) Business Development of lending products Function Workforce Number (Max 254 Characters) Expected to sell the retail products like PL/BL/STLS/STUL/THE Department Workforce Number (Max 254 Characters) Sales of Retail loans PL/BL/STSL/STUL/THE Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Managing a team of Sales force of PL/BL/STSL/STUL/THE 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: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Unsecured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Unsecured Business segment products line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral. Offerings comprise unsecured loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage, working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Lending in the Unsecured segment takes 2 forms Personal Loans and Business Loans, both of which leverage the ABG ecosystem and channel partners for the major share of business. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The Area Sales Manager Unsecured Business is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her zone to maximize disbursals, profit, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground To grow the business while remaining cognizant of competitive realities in the following areas: Market linked product Market average IRR & processing fee levels Market average DSA payouts To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough 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 despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, excellent communication and influencing skills. Education & experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in unsecured lending. 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) Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line 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 Managers Unsecured Business ( if any) Responsible for building the book size for own area of coverage and developing the Unsecured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Area Sales Manager and Zonal Head, and operationalize end to end Unsecured lending transactions with superior product delivery while ensuring credit quality 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 ZSM - Unsecured Reporting SMs Unsecured (If any) HR dept IT dept Risk dept Operations dept Weekly Daily Need Based/ Process Driven Need Based Daily Daily Business MIS, review on new market development, progress on objectives, client escalations Reviewing & driving channel expansion, sales strategies, client escalation cases Performance Reviews, Training Back-end/ systems support Proposal evaluations, portfolio monitoring Client servicing issues, TAT reviews External Existing and Prospective customers Channel partners (DSAs) Daily/ Need Based Daily CRM & understanding the need of new products/ positioning changes Product and business development initiatives 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.

To deliver on area/ local strategy for the Small Ticket secured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Small Ticket Secured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned) To take ownership for end to end Small Ticket Secured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations & coordination with Risk team 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: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Small Ticket Secured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Small Ticket Secured Business segment products line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral. Offerings comprise Small Ticket Secured loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage, working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the Small Ticket Secured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Lending in the Small Ticket Secured segment takes 2 forms Personal Loans and Business Loans, both of which leverage the ABG ecosystem and channel partners for the major share of business. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The Area Sales Manager Small Ticket Secured Business is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her zone to maximize disbursals, profit, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground To grow the business while remaining cognizant of competitive realities in the following areas: Market linked product Market average IRR & processing fee levels Market average DSA payouts To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough 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 despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, excellent communication and influencing skills. Education & experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in Small Ticket Secured lending. 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) Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line 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 Managers Small Ticket Secured Business ( if any) Responsible for building the book size for own area of coverage and developing the Small Ticket Secured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Area Sales Manager and Zonal Head, and operationalize end to end Small Ticket Secured lending transactions with superior product delivery while ensuring credit quality 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 ZSM - Small Ticket Secured Reporting SMs Small Ticket Secured (If any) HR dept IT dept Risk dept Operations dept Weekly Daily Need Based/ Process Driven Need Based Daily Daily Business MIS, review on new market development, progress on objectives, client escalations Reviewing & driving channel expansion, sales strategies, client escalation cases Performance Reviews, Training Back-end/ systems support Proposal evaluations, portfolio monitoring Client servicing issues, TAT reviews External Existing and Prospective customers Channel partners (DSAs) Daily/ Need Based Daily CRM & understanding the need of new products/ positioning changes Product and business development initiatives 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. SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to Manager Name Signature (needed for the hard copy)

To deliver on area/ local strategy for the Small Ticket secured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Small Ticket Secured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network, and directing and building the capability of SMs (if any assigned) To take ownership for end to end Small Ticket Secured business transactions in assigned area of coverage, with efficient internal operations for superior product delivery and credit quality of new acquisitions with compliant sales operations & coordination with Risk team 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) Investing & Financing Unit Workforce Number (Max 254 Characters) Business Development of lending products Function Workforce Number (Max 254 Characters) Expected to sell the retail products like PL/BL/STLS/STUL/THE Department Workforce Number (Max 254 Characters) Sales of Retail loans PL/BL/STSL/STUL/THE Other Quantitative and Important Parameters for the job: Budgets/ Volumes/No. of Products/Geography/ Markets/ Customers or any other parameter Managing a team of Sales force of PL/BL/STSL/STUL/THE 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: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Small Ticket Secured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Small Ticket Secured Business segment products line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral. Offerings comprise Small Ticket Secured loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage, working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the Small Ticket Secured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Lending in the Small Ticket Secured segment takes 2 forms Personal Loans and Business Loans, both of which leverage the ABG ecosystem and channel partners for the major share of business. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The Area Sales Manager Small Ticket Secured Business is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her zone to maximize disbursals, profit, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground To grow the business while remaining cognizant of competitive realities in the following areas: Market linked product Market average IRR & processing fee levels Market average DSA payouts To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough 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 despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, excellent communication and influencing skills. Education & experience required to fulfil this profile are a postgraduate with minimum 8 - 10 yrs of total sales experience of which at least recent 4-5 yrs experience should be in Small Ticket Secured lending. 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) Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line Sales Growth & Client Acquisition Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes Augment the sales volumes of Small Ticket Secured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) through the team Track & ensure SLA adherence, sales efficiencies and RoI Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM as well as down the line 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 Managers Small Ticket Secured Business ( if any) Responsible for building the book size for own area of coverage and developing the Small Ticket Secured segment with a robust, balanced portfolio in line with assigned targets; to devise & execute operational tactics for effective DSA engagement, market share enhancement and achievement of business objectives; to work closely with Area Sales Manager and Zonal Head, and operationalize end to end Small Ticket Secured lending transactions with superior product delivery while ensuring credit quality 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 ZSM - Small Ticket Secured Reporting SMs Small Ticket Secured (If any) HR dept IT dept Risk dept Operations dept Weekly Daily Need Based/ Process Driven Need Based Daily Daily Business MIS, review on new market development, progress on objectives, client escalations Reviewing & driving channel expansion, sales strategies, client escalation cases Performance Reviews, Training Back-end/ systems support Proposal evaluations, portfolio monitoring Client servicing issues, TAT reviews External Existing and Prospective customers Channel partners (DSAs) Daily/ Need Based Daily CRM & understanding the need of new products/ positioning changes Product and business development initiatives 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.

1. Provident Fund Activity Management for RPFC Kukatpally: PF & Pension Management : Oversee PF and pension management, and preparation & release of Standard Operating Procedures (SOPs) to business units. Documentation Coordination : Act as the liaison between the business unit and the consultant/RPFC to close any documentation gaps. KYC Management : Download KYC and Aadhar validation data from the UAN Portal, ensure updates are made, and approve KYC based on received soft copy documents with DSC. PF Report Validation : Validate PF reports for Staff, Management, and Workmen against the salary register and ensure timely payment processing to RPFC. Implement Amendments : Implement any amendments received from RPFC regarding Provident Fund regulations. Query Resolution : Coordinate with RPFC/Consultant for any notices or summons related to PF and provide escalation support to senior management. Death Claims Processing : Ensure urgent processing of hard copy death claims along with their EDLI claims. MIS Reporting : Release monthly MIS reports to business units and central payroll. Data Management : Maintain physical records and documentation (custodian) stored at the HO for RPFC Kukatpally. Process Improvements : Suggest and implement periodic process improvements. Higher Pension Cases : Manage requests for higher pension cases and ensure the timely submission of required documents to RPFC and co-ordinate with employee for status update. 2. Provident Fund Activity Management for UTCL Trust: Monthly Contribution Data : Manage monthly PF/Pension contribution data for UTCL Trust. Escalation Management : Handle escalations related to UTCL Trust claims. New Joiner Validation : Validate new joiners details and ensure transfer of provident fund from previous employers. MIS Monitoring : Monitor periodic MIS and escalate cases requiring intervention from the Head Office (HO). Stakeholder Coordination : Coordinate between trust team, ER/HR/Commercial teams, and business units for PF matters. Process Improvement : Suggest and implement process improvements for UTCL Trust PF activities. Refundable Loans Management : Oversee the management of refundable loans against PF accumulation, including reconciliation, new disbursements, and monthly EMI deductions. 3. National Pension Scheme (NPS) Management for UTCL Employees: Process Improvements & SOPs : Prepare and implement process improvements and SOPs for NPS activities across business units. NSDL Portal Management : Manage new joiner to exit processes, including maker and checker approvals on the NSDL portal. MIS Preparation : Prepare periodic MIS reports for NPS activities. Employee Lifecycle Troubleshooting : Address NPS lifecycle issues with the help of Point of Presence (POP), Service Providers (SP), and NSDL. Exit & Retirement Claims : Coordinate with Kotak Bank and business units to ensure smooth processing of exit and retirement claims. NPS Reconciliation : Conduct monthly reconciliation for new joiners and exits, and validate the NPS payment provision file prepared by Ascent team for remittance to NSDL through POP. 4. Superannuation Scheme Management for UTCL Employees: Process Improvements & SOPs : Develop and implement process improvements and SOPs for the Superannuation Scheme. Data Management : Ensure accurate data submission for new joiners to CFD for LIC code creation. Superannuation Troubleshooting : Address employee issues in the superannuation life cycle with help from CFD/LIC/BSLI. Claims Intervention : Intervene and resolve issues in superannuation claims as required. Superannuation Reconciliation : Perform monthly reconciliation of new joiners and exits, and validate the superannuation payment provision file for remittance to LIC through CFD. 5. Operational Intervention in EDLI Claims: Process Improvements & SOPs : Implement process improvements and SOPs for EDLI claims. Data Management : Submit new joiner and exit data to CFD for LIC code creation. EDLI Troubleshooting : Address employee EDLI claim issues with CFD/LIC. Claims Intervention : Provide support and intervention for EDLI claims as needed. 6. Sodexo Management: Sodexo Ordering Management : Manage the monthly Sodexo ordering process, including new entitlement management. Eligibility Management : Oversee Sodexo eligibility as per location. Query Resolution : Address and resolve any queries related to Sodexo orders and entitlements. Data Management & Reporting : Ensure accurate data management and reporting related to Sodexo benefits. Stakeholder Coordination : Coordinate and communicate effectively with business stakeholders and the Sodexo team 7. Process Improvements, New Projects, & Vendor Management: Process Evaluation : Conduct periodic evaluations of current processes and implement improvements. Payment Management : Ensure timely sharing of provision and payment files to CFD. Project Identification & Implementation : Identify and implement new projects on a quarterly basis. Vendor Management : Identify, compare, and recommend vendors. Prepare LOI in collaboration with the legal team. Vendor Compliance Monitoring : Monitor vendor performance and ensure adherence to SOPs. Vendor Payment Timeliness : Ensure timely payments to vendors within agreed timelines.

Job Purpose Responsible for timely & correctly processing of salary for all three plant, Regional office, Marketing, Birla Carbon Mumbai HQ and R&D Taloja Team and its payment; Calculation of TDS to be deducted from Salary of all Employee including verification of proofs submitted by employees; Employee related payment/ Loan/ Advance/ Travelling Bill etc. of all three plant except Corporate, RO & Marketing; Responsible for checking of payment vouchers and other activities related to General ledger accounting. Job Context & Major Challenges Job Context: The combined production capacity of the 3 units is 3,46,000 MT p.a. with a combined Sales Turnover of Rs.2,502 Crs. Finance and Commercial function for all the three units is centralised at Regional office situated at Gummidipoondi. All activities related to Finance, Accounting & Commercial including Internal and External Financial Reporting are carried out at Regional office. Job Challenges: Coordination with all unit HR teams for accurate processing of salary, deductions for loans & advances and its payment after matching with Poornata and SAP system. Accurate computation of TDS to be deducted from salary of all the employees including comparison with tax calculations by Poornata. Verification of investment and other documents submitted by employees for claiming tax exemptions. Checking of all payment vouchers for payments made to vendors and employees of all units and offices. Key Result Areas KRA (Accountabilities) (Max 1325 Characters) Supporting Actions (Max 1325 Characters) KRA1 Salary Processing & Payment Providing list of deductions from salary for Loans & Advances and other deductions to unit HR team. Review of payroll received from unit HR teams for accuracy of salary and deductions. Validation of tax deductions in Poornata with manual calculations. Uploading of salary for all employees in bank for electronic payment. KRA2 Posting of Salary and other payroll related expenses in SAP Posting of salary and other payroll related expenses e.g. PF, LTA, Medical etc. in SAP. KRA3 Employee Income Tax Computation Manual computation of Income tax deduction from salary based on data maintained in Excel. Calculation of perquisites for various employee benefits and uploading in Poornata Verification of employee declaration with documents for investments and other deductions claimed by employees. Preparation of quarterly returns for TDS on salary. KRA4 General ledger Accounting Booking of prepaid expenses on monthly basis Preparation of monthly provision sheet based on inputs from unit teams. Posting of JVs in SAP Booking of Employee travel claims for employees of all units excluding Corporate and Regional offices. Checking of payment vouchers for vendor payments Tracking of employee benefits including employee loans, Car, Furniture etc. Reconciliation of payroll related GLs with Poornata Preparation of various statements for statutory and tax audit

The purpose of this job is to plan area (city/ branch) sales and business growth with the Territory 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 ABFL and ABFSG products/ solutions as per regional plans and unique client requirements. Organizational Context Key Aspects: As the debt arm of Aditya Birla Capital (ABC), Aditya Birla Finance Limited (ABFL) offers specialized lending and financing solutions in the areas of Capital Markets, Corporate/ Trade Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Company s balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Secured Micro Loan Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Secured Micro Loan Business segment product line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, with collateral. Offerings comprise Secured Micro Loan to self-employed individuals/ non-individual entities, with end use of funds (Working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process. The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the Secured Micro Loan nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as connector relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The AH (Sales) ABFL is responsible for achieving sales targets as agreed with the Territory Head (Sales) ABFL, in terms of targeted book size, profitability, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressures on the ground To grow the business while remaining cognizant of competitive realities in the following areas: Market linked product Market average IRR & processing fee levels To originate and increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To constantly upgrade financial & operational know how of self and team members on efficient loan processing, effective negotiation and relationship building for maintaining credibility and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough 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 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 graduate 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 Micro/affordable loan 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 Territory Head (Sales) - ABFL 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. Track & report on sales operations and productivity metrics, and work towards building a high-performance sales culture 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 Territory Head (Sales) - ABFL 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 favorable 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 Territory Head (Sales) ABFL, 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 Cross-Selling across ABFSG products Drive activities and initiatives in the team as per Cross-Selling strategy agreed with Territory Head (Sales) - ABFL Drive alignment to the adopted Cross-Selling strategy by supporting team members with requisite communications, training, guidance, etc. as required 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. Portfolio & Risk Management Work with the Risk, Operations and Sales Governance teams to ensure adherence to risk management and control mechanisms Support risk and review process through the credit approval process and by reviewing the loan sanctioning, disbursement process and documentation to ensure controlled operations Review financial risk via analysis of city/ branch operations MIS and Data Analytics reports Drive compliant Sales Operations and sound risk management via partnership with Risk, Operations and Sales Governance teams, and necessary communication and guidance; drive timely PDD closures and collections As part of Relationship Maintenance with institutional customers, review reports on client accounts, business performance, etc. and liaise with Risk while guiding team on delinquency cases Train and guide the team for alignment with adopted early alert strategies to reduce NPA risks and losses Ensure systematic MIS on NPAs and credit trends, providing inputs on possible risks that could impact portfolio quality 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) Relationship Officer/Relationship Manager : 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. 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 Territory Head Relationship Officer/Relationship Manager HR dept IT dept Risk dept Operations dept Weekly / Need Based Daily Need Based/ Process Driven Need Based Daily Daily Business MIS, review on new market development, progress on objectives, client escalations Reviewing & driving channel expansion, sales strategies, client escalation cases Performance Reviews, Training Back-end/ systems support Proposal evaluations, portfolio monitoring Client servicing issues, TAT reviews External Existing and Prospective customers External Forums & Networking platforms Weekly/ Need Based Monthly/ Ongoing CRM & understanding the need of new products/ positioning changes 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. SIGN-OFF : Provide the name of the Manager and the jobholder. Signature needed for the hard copy of the JD. Hard copy to be maintained in the organizational record. Job Holder Reports to Manager Name Signature (needed for the hard copy)

ARE YOU READY TO WORK AT ALTISOURCE? Are you interested in joining a progressive and growing People Solutions team? Can you help solve business problems with people solutions? Are you ready to work for a successful and proven company where ownership, accountability and performance are rewarded? If so, nice to meet you, join the team at Altisource . We can offer you a fast-paced and driven working environment with challenging work and great colleagues as well as career development opportunities. This role reports to the Manager, Employee Experience who is seeking an energetic and skilled self-starter to work in our People Solutions organization and drive talent initiatives that will have direct impact on the company s business performance and employee experience. If you are up for the challenge, keep reading! Altisource is a leader in providing services and technology for the mortgage and real estate industries. With innovation as a guiding principle and a focus on compliance and exceptional service, we provide end-to-end solutions in origination and servicing, and offer online real estate platforms for consumers and investors. Job Description We are looking for a Mortgage Processing, Analyst with a passion for the mortgage industry to develop and manage client relations the Altisource umbrella. This is a great time to join the team and be a part of a growing and stable organization. Maintain a working knowledge of US Mortgage Originations closing procedures, federal and state lending laws. Loan Processor and confirm all required documentation is in file to prepare closing documents. Interpret state rules, statute laws, federal regulations & investor guidelines and apply them to specific loans Audit closed loan disclosures and signed loan documents Effectively communicate with US based Underwriters/Clients & SMEs to ensure quality output Qualifications Bachelors degree Copy the link and open WeChat to share. Use Scan QR Code in WeChat and click to share.

We are looking for a Mortgage Processing, Analyst with a passion for the mortgage industry to develop and manage client relations the Altisource umbrella. This is a great time to join the team and be a part of a growing and stable organization. Maintain a working knowledge of US Mortgage Originations closing procedures, federal and state lending laws. Loan Processor and confirm all required documentation is in file to prepare closing documents. Interpret state rules, statute laws, federal regulations & investor guidelines and apply them to specific loans Audit closed loan disclosures and signed loan documents Effectively communicate with US based Underwriters/Clients & SMEs to ensure quality output Bachelors degree

Complete quality control post loan closing/Pre-funding. Review pre-closing/Prefunding documentation to ensure accuracy prior to document release and review post-closing documentation to ensure accuracy after loan closing and confirm supporting documents are all present and correctly executed. Record and report loan exceptions. Expertise on RADD, Forensic review, QM(Conventional, FHA, VA and USDA), non-QM and Portfolio loans review. Credit and Income review; Income calculation; Employment Income, self-employed income, rental income and other income. Identify red flags on loan file(Income documents review, asset documents review, credit report, Fraud report, exclusionary list). Review entity documentation to understand business structure and authorized signers. Knowledge of applicable federal regulations and state laws a plus. Ability to prioritize and decipher policies, programs, and guidelines. Strong attention to detail, organizational and communication skills. Ability to handle multiple tasks, take on new responsibilities, and prioritize work in a deadline-intensive environment. Strong interpersonal and teamwork skills and ability to influence through collaboration. Self-motivated, high level of personal energy and commitment. Flexible to work on Night shifts. Bachelors Degree, Masters Degree. 5+ years of experience in retail US residential mortgage banking and QC/post-closing/Prefunding is required.

Overview Seasoned Engineering Manager needed to lead IndiaGold s tech team shape vision, scale systems, drive innovation in asset-backed fintech. Company details IndiaGold is a deep-tech fintech platform enabling regulated entities to offer asset-backed products like digital gold loans with zero-touch, paperless onboarding, and automated purity checks. Website: https://indiagold.co.in Requirements 8+ years in software engineering 3+ years in senior tech leadership roles (Engineering Manager, Head/VP Engineering) Strong experience in system design and scaling backend-heavy, data-driven systems Expert in cloud infrastructure (AWS/GCP) and modern architectures Proficient in Node.js, Java, Spring Boot, Kotlin, React, MySQL Proven ability to build and manage high-performance engineering teams Experience in fast-paced startup environments Strong sense of ownership, bias for action, results-driven leadership (Good to have) Fintech or lending experience, especially asset backed lending (Good to have) Familiarity with compliance, data privacy, fintech audits (PCI-DSS, CISA), NBFC/banking systems Responsibilities Lead tech vision and architecture across web, mobile, backend, and DevOps Ensure system stability, scalability, security in regulated fintech Hire, mentor, and grow engineering talent; instill quality, ownership, velocity Define best practices for coding, testing, deployment, operations Collaborate with Product, Design, Data to deliver features fast and at scale Manage delivery timelines, engineering quality across squads Design secure, high-performance systems for large-scale financial data and transactions Align tech stack for future NBFC regulatory and compliance needs Drive long-term tech roadmap and evaluate emerging tech Partner with founders, Product, Business, Ops on technical priorities Lead audits and certifications (PCI-DSS, CISA) and manage third-party vendor relationships Job Details Location: Hybrid (2 days/week onsite) at 64, Sector 44, Gurugram, Haryana 122002, India Interview process Low-Level Design (LLD) High-Level Design (HLD) Business/Product Round 30-min Co-founder Round Important Note ClanX is a recruitment partner, helping IndiaGold hire the Engineering Manager role