The Legal Officer for Debt Management Services will be responsible for managing legal activities concerning the recovery of urban Non-Performing Loans (NPLs) and vehicle loans (Wheels segment). Achieve collections target by visiting customers/agency.Monitor performance against set parameters and provide regular updates and providing proper guidelines. Milestone reviewing and tracking.Ensure legal guidelines are complied with while repossessing products.Travelling with the ROs.To do timely allocation of the cases of the team members.Should be Profecient in excel. Daily tracking of the performance of the team members.Maintain accurate records of customer interactions and transactions.Handle escalations promptly and effectively to resolve issues.Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates.Counsiling and grooming of his direct reportee to enhance and polish their skill sets.Manage a team of collection officers to achieve overall targets.Rectify problems encountered during the collection process.Manage average collection reports to monitor and improve collection performance.Legal Recovery for Urban NPLWheels (Vehicle Finance) Repo and Legal ManagementLitigation & Case ManagementCompliance & Risk MitigationReporting & Documentation.

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

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

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

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

We are looking for a highly motivated and experienced Business Development Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 3 to 8 years of experience in the BFSI industry, with a strong background in business development and sales. Roles and Responsibility Develop and implement effective business strategies to achieve sales targets and expand the customer base. Build and maintain strong relationships with clients, identifying their needs and providing tailored solutions. Conduct market research and analyze competitor activity to stay ahead in the market. Collaborate with cross-functional teams to develop and launch new products and services. Manage and lead a team of sales professionals, providing guidance and support to ensure success. Monitor and report on sales performance, identifying areas for improvement and implementing corrective actions. Job Requirements Proven experience in business development and sales, preferably in the BFSI industry. Strong understanding of the BFSI sector, including financial products and services. Excellent communication, interpersonal, and leadership skills. Ability to work in a fast-paced environment, meeting deadlines and achieving targets. Strong analytical and problem-solving skills, with attention to detail and accuracy. Experience in managing and leading a team, focusing on coaching and development.

We are looking for a highly skilled and experienced Premium Acquisition Manager to join our team at Equitas Small Finance Bank Ltd. The ideal candidate will have 1-6 years of experience in the BFSI industry, with a strong background in premium acquisition and sales. Roles and Responsibility Develop and implement effective strategies to acquire high-value customers. Build and maintain relationships with existing clients to increase business growth. Identify new business opportunities and expand the customer base. Collaborate with cross-functional teams to achieve business objectives. Analyze market trends and competitor activity to stay ahead in the market. Provide excellent customer service to ensure client satisfaction and retention. Job Requirements Proven track record of achieving sales targets and expanding customer bases. Strong knowledge of the BFSI industry and its trends. Excellent communication and interpersonal skills. Ability to work in a fast-paced environment and meet deadlines. Strong analytical and problem-solving skills. Experience in managing and leading a team to achieve business goals.

We are looking for a highly skilled and experienced Relationship Manager to join our team at Equitas Small Finance Bank Ltd. Roles and Responsibility Manage and supervise a team of banking professionals to achieve business objectives. Develop and implement strategies to drive sales and revenue growth. Build and maintain relationships with customers, stakeholders, and partners. Ensure compliance with regulatory requirements and internal policies. Analyze market trends and competitor activity to identify opportunities and threats. Collaborate with cross-functional teams to achieve organizational goals. Job Requirements Strong leadership and management skills, with the ability to motivate and inspire teams. Excellent communication, interpersonal, and problem-solving skills. Ability to work in a fast-paced environment and adapt to changing priorities. Strong analytical and decision-making skills, with attention to detail and accuracy. Experience in sales and marketing, with a proven track record of success. Knowledge of financial products and services, including savings accounts, loans, and investments.

The role is based in Bangalore and reports to AVP of respective asset class. The Product Control team supports the different asset classes like Rates, Credit, Commodities, FX and GT Business on a Global basis. Key Responsibilities The person will be responsible for: Supervise the timely production of daily P&L reporting across the Europe region. The main products controlled are Money Market Loans & Deposits, Rates (Bonds/SWAP), FX Products, Government Bonds & T-Bills, Fixed Deposits, Certificates of Deposits, Debt Issuances and associated hedges interest rate hedges (IRS, CCS, FX Swaps) and commodities etc. Monitoring of key controls/processes around daily Pnl & Balance Sheet Ensuring that all controls are followed and reviewed in a timely manner Liaising with different stakeholders like Middle Office, IT, Operation, External Audit and respective financial controller to timely resolution of the issues Responsible for the delivery of various hedge accounting and control enhancement work streams Reviewing Daily P&L trends and highlighting gaps / opportunities to Forecast. Review of Month end reconciliations between the various TP systems and the ledger. Review of month-end balance sheet substantiation of PC owned traded balances. Assist in implementation of sound controls and consistent processes around the globe to ensure adherence to International Accounting Standards (IAS). To provide assistance with IAS related queries, hedge effectiveness testing. Providing advice to middle office/ Front office for deal structures and designing optimum booking models across the various Global Markets Transaction Processing Systems. Primary contact person for the business and Local Finance teams with regards to issues relating to respective asset class Qualifications CA/MBA/CFA/FRM/ACCA with 6 - 8 years of work Experience Post Graduate (Finance) with 8 - 10 years of work exp Ability to work under constant pressure to tight deadlines and deliver high quality output. Excellent interpersonal skills, with the ability to communicate at all levels both written (report and guideline writing) and verbally. Analytical, Innovative and questioning mindset. IFRS experience is a must. About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 170 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www. sc. com/careers 30308

The role is based in Bangalore and reports to AVP of respective asset class. The Product Control team supports the different asset classes like Rates, Credit, Commodities, FX and GT Business on a Global basis. Key Responsibilities The person will be responsible for: Supervise the timely production of daily P&L reporting across the Europe region. The main products controlled are Money Market Loans & Deposits, Rates (Bonds/SWAP), FX Products, Government Bonds & T-Bills, Fixed Deposits, Certificates of Deposits, Debt Issuances and associated hedges interest rate hedges (IRS, CCS, FX Swaps) and commodities etc. Monitoring of key controls/processes around daily Pnl & Balance Sheet Ensuring that all controls are followed and reviewed in a timely manner Liaising with different stakeholders like Middle Office, IT, Operation, External Audit and respective financial controller to timely resolution of the issues Responsible for the delivery of various hedge accounting and control enhancement work streams Reviewing Daily P&L trends and highlighting gaps / opportunities to Forecast. Review of Month end reconciliations between the various TP systems and the ledger. Review of month-end balance sheet substantiation of PC owned traded balances. Assist in implementation of sound controls and consistent processes around the globe to ensure adherence to International Accounting Standards (IAS). To provide assistance with IAS related queries, hedge effectiveness testing. Providing advice to middle office/ Front office for deal structures and designing optimum booking models across the various Global Markets Transaction Processing Systems. Primary contact person for the business and Local Finance teams with regards to issues relating to respective asset class Qualifications CA/MBA/CFA/FRM/ACCA with 6 - 8 years of work Experience Post Graduate (Finance) with 8 - 10 years of work exp Ability to work under constant pressure to tight deadlines and deliver high quality output. Excellent interpersonal skills, with the ability to communicate at all levels both written (report and guideline writing) and verbally. Analytical, Innovative and questioning mindset. IFRS experience is a must. About Standard Chartered Were an international bank, nimble enough to act, big enough for impact. For more than 170 years, weve worked to make a positive difference for our clients, communities, and each other. We question the status quo, love a challenge and enjoy finding new opportunities to grow and do better than before. If youre looking for a career with purpose and you want to work for a bank making a difference, we want to hear from you. You can count on us to celebrate your unique talents and we cant wait to see the talents you can bring us. Our purpose, to drive commerce and prosperity through our unique diversity, together with our brand promise, to be here for good are achieved by how we each live our valued behaviours. When you work with us, youll see how we value difference and advocate inclusion. Together we: Do the right thing and are assertive, challenge one another, and live with integrity, while putting the client at the heart of what we do Never settle, continuously striving to improve and innovate, keeping things simple and learning from doing well, and not so well Are better together, we can be ourselves, be inclusive, see more good in others, and work collectively to build for the long term What we offer In line with our Fair Pay Charter, we offer a competitive salary and benefits to support your mental, physical, financial and social wellbeing. Core bank funding for retirement savings, medical and life insurance, with flexible and voluntary benefits available in some locations. Time-off including annual leave, parental/maternity (20 weeks), sabbatical (12 months maximum) and volunteering leave (3 days), along with minimum global standards for annual and public holiday, which is combined to 30 days minimum. Flexible working options based around home and office locations, with flexible working patterns. Proactive wellbeing support through Unmind, a market-leading digital wellbeing platform, development courses for resilience and other human skills, global Employee Assistance Programme, sick leave, mental health first-aiders and all sorts of self-help toolkits A continuous learning culture to support your growth, with opportunities to reskill and upskill and access to physical, virtual and digital learning. Being part of an inclusive and values driven organisation, one that embraces and celebrates our unique diversity, across our teams, business functions and geographies - everyone feels respected and can realise their full potential. www. sc. com/careers 30307

Driving sales numbers and achieving business targets for Education loans through cross selling while continuing to enhance and upgrade the client relationships. Retaining and expanding the companys base of customers so as to ensure repeat business or referrals. Develop and maintain strong liaisons with the existing clients. Maximize sales through a network and relationships to ensure strong business. Ensuring files are getting processed with in minimum possible TAT while coordinating with different departments. Optimizing team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies. Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies. Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems.

To drive sales and ensure business targets are achieved. . Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. Retain and expand the companys base of customers for retail loan product so as to ensure repeat business or referrals Maximize sales through a network and relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area Align with the team on ground lead generation activities for Sales. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Graduate in any discipline

Core Responsibilities: Sales Process Management Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. Retain and expand the companys base of customers for home loan and LAP channel so as to ensure repeat business or referrals Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Maximize number of APFs and increase penetration in the approved APF projects. Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area Align with the team on ground lead generation activities for Sales. Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate

Loan Servicing Specialist - Operations Analyst, a vital role within our Loans group. This key position is designed to deliver on specific tasks and requirements, making it an essential part of our team. As a Loan Servicing Specialist, you will gain valuable exposure to various aspects of operating a banking office, contributing to the seamless functioning and success of our financial services. Join us to play an integral role in our dynamic and collaborative environment. Job Summary As a Loan Servicing Specialist - Operations Analyst within our Loans group, you will be responsible for executing all assigned tasks while ensuring compliance with Service Level Agreements (SLAs). Your role will involve working across various processes, including Deal Closing, Drawdowns, Rollovers, Repayments, Pre-payments, Funding, Rate-Fixings, Fees, and external payments. This position offers a unique opportunity to enhance your skills in performing Nostro & Past Due Reconciliation, allowing you to make a significant impact on our operations. Job Responsibilities Adhere to established QUALITY & QUANTITY SLAs consistently. Ensure 100% compliance with process-related policies, guidelines, and controls. Manage Deal Closing, Drawdowns, Rollovers, Repayments, and other financial processes efficiently. Support the secondary trading desk with trade booking and settlements. Liaise with bank departments and external contacts, including Borrowers and Trustees. Follow up timely with agents or customers for any missing notifications. Complete all funding within the SLA on the same day. Serve as the SME and first internal POC for process-related queries and clarifications. Act as the first point of escalation for process-related issues from customers. Pay attention to detail to ensure all documents are processed correctly. Identify changes to processes to improve productivity and efficiency. Required qualifications, capabilities and skills Hold a bachelors degree in finance or a related field, or possess equivalent work experience. Minimum 2 years of experience in the financial services industry with a proven track record of delivery. Understand business financial statements, cash flow capacity, and loans across various industries. Exhibit strong research, analytical, and comprehension skills to analyze large data sets. Manage clients effectively, build partnerships, and lead while engaging multiple stakeholders. Utilize effective time management and prioritization skills to achieve business objectives. Communicate effectively with strong interpersonal and analytical skills, working independently on multiple assignments Preferred qualifications, capabilities and skills Build relationships with clients, internal partners, and peers effectively. Recognize issues or problems that need to be escalated promptly. Develop domain learning and exhibit strong interpersonal and communication skills. Apply analytical thinking and problem-solving skills effectively. Understand the product lifecycle and area product management thoroughly.

Local candidates will be preferred. Languages Known: English, Hindi, Bengali Group Company: HDFC Bank Limited Designation: Virtual Classic On Phone (COP) Relationship Manager Position description: Customer Engagement Continuous engagement with the portfolio customers mapped as per the contact policy, with accurate & complete capture of interaction details. Call handling as per defined standards. Accurate resolution for customer queries. Promoting Digital Banking services for a superior customer service experience. Profiling of customers in order to aid right cross-servicing of Bank products Accurate logging and resolution of complaints. Attrition control of customers. Regular interactions with the customers and pro-actively assessing customer needs. Deepening relationship by cross selling 'sticky products' like Demat, Bill Pay, Advisory etc. Ensure portfolio quality of relationship while racing considering eligibility. Monitor large amount movements and account closure from the deposit accounts. Ensure retention of customers Achievement of portfolio parameters Meet the defined objectives of the Portfolio managed by the respective VRM Sales Right cross-sell of products basis profiling and engagement. Penetration of products across groups. Sales across all product segments-TPP, Assets, Cards etc. Acquiring & grouping of all related IDs of the Primary ID. Use of triggers to track maturity of FDs, movement of CASA balances etc.and prevent outflow. Ensure Staff are trained on product knowledge and requisite certifications. Income to be generated at a customer level. Interaction Quality Achieve Quality benchmarks defined from time to time. Complete and accurate capture of call interactions, including profiling thereby aiding relationship management. Audit and Service Quality Ensure all laid down system and process are followed as stipulated by Audit and Senior Management Ensure accurate and timely submission of financial transactions & requests. Adherence to set processes of updating customer interactions in CRM next. MIS Reporting Ensure timely submission of Customer base review / reports as requested by Central Team / Senior Management Primary Responsibilities: To engage regularly with the customers as defined by the contact policy and provide a Consistent & a Superior Digital Experience Ensuring that customers get world-class services and their needs are understood and met through financial products that the Bank has to offer To enhance Customer Relationship & while doing so, Educate, Encourage & Induce the customers to use the Digital mediums for their banking transactions/ needs, while keeping a "window' to talk to the bank whenever customer needs. Responsible for meeting the scorecard targets and portfolio benchmarks set and that all guidelines and regulatory requirements are followed. So that the RM becomes the top of the mind recall amongst the customers in the catchment for all their financial needs and services thereby ensuring that the RM also achieves the key performance parameters set Educational qualifications preferred Category: Any Bachelor's Degree Required Skills: Basic Banking Very Good Communication Required abilities Other:Major Stake holders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) Customers Prime Head Regional Head Unit Head Team Managers

Team Leader for Direct Sales Products: Home Loan Locations : Vizag, Chennai Position Purpose : Managing Day to Day Operations for - Accurately planning & forecasting the business from different sourcing channels, Successful execution of the strategies is required to achieve financial targets. Driving sales and targets across shared locations and ensuring compliance. Would be responsible for driving sales for Home Loan sourcing. Will be responsible for achieving targets of respective products. Would be managing a team of executives. Ensure teams achieve monthly productivity targets assigned at Sales executive level. Regular hiring and optimum team structure to be maintained as per the targeted teams size and business targets. Track FTR, TAT and deliver on standards as set by bank from time to time. Ensure privacy of data is maintained by the teams managing customers by auditing from time to time. Ensure teams discipline in customer engagement and channel/lead management. Provide exceptional customer experience to all customers engaged. Manage customer grievances as per standards set by bank from time to time. Cross sell different products as per requirement from time to time. Role & Responsibilities : Strategize achievements of sales target through Executives by breaking down of annual targets Responsible for leading , mentoring , developing , directing & handling activities of team leaders within the city assignment. Ensure co-ordination and vision dissemination with Vertical Heads/National Head to deliver effective communication with workers. Review / validate current Sales process & methodologies across products to bring more effectiveness and remove bottlenecks by co-ordinating with various stakeholders. Ensuring budgeted volumes and revenues are achieved for the city allocated Build & maintain key relationships across businesses and products. Preparing business presentation and conducting meetings with bank and other stakeholders on performance and action taken. Ensure adherence to all processes laid by both BGSS / Bank internal policies, compliance & policies. Desired Candidate Profile : Minimum 4+ years of relevant experience in the Home Loan sales domain. Relationship Management, Channel management skills. Proven track record of managing large teams in the respective geography. Co-ordination skills to work with credit, legal, branch and operations. Deep understanding of credit underwriting standards and different market practices and credit bureau functions. Ability to read and understand financials, credit reports, bureau reports. Deep understanding of legal knowledge for property related transactions in the respective geography. Strong knowledge of retail assets, regulatory knowledge and ability to assess customer requirements basis available products. Strong analytical, interpersonal, and verbal and written communication skills. Co-ordination skills to work with credit, legal, branch and operations. Detail-oriented with strong ability to manage sales and compliance simultaneously. Ability to work in a flexible and target-oriented environment. Must be able to work in a high stress environment while achieving agreed upon sales-target consistently. Must be willing and able to work as part of a team. Strong capability to work with people from different background Swift decision making to ensure closure of targets. Coordinating with Vertical Heads/National Head, City Head Branches, SMS etc.as and when required If your profile suits please Share Your CV undersign : rajarajeshwari.m@bgss.in Whatsapp - 6381765069

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

11286 Core Responsibilities: Branch Process Management Execute the defined strategy to achieve the defined performance of the branch. Create a demand funnel and efficiently meet sales forecasts by maintaining a good relationship with clients Manage growth and profitability of the branch by maintaining competitive knowledge so as to create and adjust sales strategies Expand and retain the companys base of customers for affordable home loans by developing and maintaining strong liaisons with the clients/channel partners for repeat business or referrals while also ensuring they are part of our future projects. Build and develop a defined source mix comprising of direct and indirect sourcing channels. Capitalize on business opportunities, builder tie ups, and plan and monitor joint promotional activities with developers. Facilitate the development of new locations as per targets so as to penetrate new markets and thereby increase business Ensure smooth functioning of the lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service. Manage post-sales customer/channel partner escalation. Co-ordinate and supervise all key departments internally and strategies the road map for lending products. Managing branch operating costs including cost of acquisition, expenses and operations. Closely monitors the quality of book ensuring minimum delinquency at the branch level. To support the appropriate closure of stress accounts and move them out of the portfolio by collaborating with collections team. Team Management Optimize and closely monitor team productivity by effectively managing the team of sales managers so as to assure achievement of business targets and profitability of the area Collaborate effectively with departments including Channel partners. Lead and supervise the SM & RM team by support through appropriate hiring, training, reward and recognition. Responsible for the overall administrative functioning of the branch. Ensure active distribution span of control is maintained at the branch level as per norms. Industry & Governance Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Ability to establish internal controls for legal compliance and conduct periodic audits to detect non-compliance & frauds and devise actions for correction and prevention. Ensure a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / NHB regulations as we'll as policies and procedures of the company. Graduate : Yes Desired Experience: Minimum 4 - 6 years in the field.

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

Sales Process Management o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the companys base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as we'll as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate

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

1. Maximize sales through a dealer network and channel relationships to ensure strong business 2. Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. 3. Retain and expand the companys base of customers for retail loan product so as to ensure repeat business or referrals 4.Develop and maintain strong liaisons with the clients for repeat business or referrals. 5.Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. 6.Optimize team productivity by effectively managing the team of relationship managers/executives so as to assure achievement of team results and thereby meet the business targets and profitability of the area 7.Align with the team on ground lead generation activities for Sales. 8. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies 9. Drive direct business by cross -sell or up sell from existing customer base of the prganisation as we'll as from open market references 10. Ability to cross sell other loan and insurance products along with Car loan, drive team for over achieving the targets across all segments 11. Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 12. Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. 13. Ensure compliance to all Audit / RBI regulations as we'll as processes, policies and reports as per company designed systems. Qualification - P ost Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline