284 Msme Loan Jobs

Job Title: Relationship Manager - Retail Agri Location: Jalandhar, Ludhiana, Amritsar, Bathinda Experience: 3 to 10 Years Department: Retail Agri Banking Job Summary: Responsible for sourcing, servicing, and managing the Retail Agri and Working Capital loan portfolio across the mentioned locations. Ensures business growth, credit quality, customer relationship, and compliance. Key Responsibilities: Acquire customers for Agri loan products (KCC, dairy, working capital, tractor, etc.) Source leads from farmers, FPOs, mandis, and Kisan clubs Conduct field visits for credit assessment, documentation, and monitoring Ensure timely disbursement and portfolio hygiene Monitor delinquencies and support recovery/legal teams as required Cross-sell liability, insurance, and digital banking products Promote financial literacy and educate farmers on government schemes and digital tools Maintain strong relationships with customers, local stakeholders, and branch teams Coordinate with Credit, Operations, and Business Correspondents for smooth loan processing Ensure adherence to internal policies and regulatory norms Qualifications: Graduate/Postgraduate in Agriculture, Rural Management, or any relevant field 3-10 years of experience in Retail Agri Lending, Rural Banking, or Working Capital Finance Strong knowledge of agri credit, rural market dynamics, and compliance requirements Excellent interpersonal and communication skills Willingness to travel extensively within rural areas of assigned location

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to soni.jaswal@kotak.com

Job Description : Generating leads and meeting potential customers to drive acquisition of new customers. Perform necessary KYC/customer validation / due diligence / market enquiry and collect required data / information as per check list. Verify references and conduct necessary unit and security visits, completeness of documents, review financials/bank statements for churn, bounces, and interest servicing and start the Login Activity. Do the necessary internal co-ordination to obtain sanction and issuance of sanction letter within the stipulated timelines. Ensure overall achievement of individual targets. Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines. Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines. Complete monitoring of the account on an ongoing basis until the next renewal. Maintain cordial relationship with the Branch for leads and servicing of the clients.

Role & responsibilities Will be responsible for sourcing business from eligible customer profile as per organization policy. Identification of right customer, ability to understand customers need, explain various products and convince them about the product offerings. Should be able to manage overall responsibilities including identifying new business markets and recording customer requirements. Resolving Customer issues and queries. Maintaining customer relationship and cross selling to existing customers. Desired Candidate Profile: An immense interest in meeting and developing relationship with the customers Good communication skills and coordination skills Good persuasion and negotiation skills

Job Description : Generating leads and meeting potential customers to drive acquisition of new customers. Perform necessary KYC/customer validation / due diligence / market enquiry and collect required data / information as per check list. Verify references and conduct necessary unit and security visits, completeness of documents, review financials/bank statements for churn, bounces, and interest servicing and start the Login Activity. Do the necessary internal co-ordination to obtain sanction and issuance of sanction letter within the stipulated timelines. Ensure overall achievement of individual targets. Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines. Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines. Complete monitoring of the account on an ongoing basis until the next renewal. Maintain cordial relationship with the Branch for leads and servicing of the clients.

Job Description : Generating leads and meeting potential customers to drive acquisition of new customers. Perform necessary KYC/customer validation / due diligence / market enquiry and collect required data / information as per check list. Verify references and conduct necessary unit and security visits, completeness of documents, review financials/bank statements for churn, bounces, and interest servicing and start the Login Activity. Do the necessary internal co-ordination to obtain sanction and issuance of sanction letter within the stipulated timelines. Ensure overall achievement of individual targets. Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines. Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines. Complete monitoring of the account on an ongoing basis until the next renewal. Maintain cordial relationship with the Branch for leads and servicing of the clients.

Job Description : Generating leads and meeting potential customers to drive acquisition of new customers. Perform necessary KYC/customer validation / due diligence / market enquiry and collect required data / information as per check list. Verify references and conduct necessary unit and security visits, completeness of documents, review financials/bank statements for churn, bounces, and interest servicing and start the Login Activity. Do the necessary internal co-ordination to obtain sanction and issuance of sanction letter within the stipulated timelines. Ensure overall achievement of individual targets. Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines. Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines. Complete monitoring of the account on an ongoing basis until the next renewal. Maintain cordial relationship with the Branch for leads and servicing of the clients.

Role & responsibilities Building and maintaining strong relationships with banks, financial institutions, co-lending partners, investors, and other external stakeholders Source funds through diverse debt instruments, including securitization (PTC/DA), term loans, debentures (NCDs), commercial papers (CPs), and working capital lines (WCDL/CC) etc. Preparing loan proposals and CMA (Credit Monitoring Arrangement) data for Term Loan, ECBs, NCDs, Tier-II Capital, CPs, Direct Assignment/PTC, and other instruments Screening of borrowing documentation including term sheets, covenant review, negotiation of commercials, security structure, and other terms prior to fund raising Handling co-lending operations including partner onboarding, agreement execution, fund settlement coordination, interest/principal reconciliation, and MIS/reporting Coordinating with lenders for due diligence and ensuring timely, precise information sharing Liaising with credit rating agencies and external valuators for periodic rating reviews and documentation Assess liquidity positions, monitor ALM statements, and initiate borrowings aligned with company strategies Providing daily/weekly liquidity position of the Company to the Management Ensuring timely repayment of all debt obligations and tracking repayment confirmation; follow up on overdue cases and escalations Managing transaction banking platforms for seamless fund flows Effective fund management by identifying idle cash and pooling funds for optimized usage Performing all month-end treasury closures including interest calculations, fund position reporting, and cash f low statements Ensuring completeness and accuracy of information before sharing with lenders/investors Periodic reporting (Monthly/Quarterly/Half-Yearly/Annual) to investors, lenders, rating agencies, and senior management Continuous tracking of covenants across lenders and reporting deviations Acting as a central coordination point between treasury, accounts, and senior management Effective execution of all month end and treasury related activities as per organisation requirement Driving automation initiatives within treasury operations to improve process efficiency Preferred candidate profile MBA Finance/ ACCA/ CPA/ CA Personality Traits: Go-getter, Aggressive, Multi-tasker Good communication skills (fluent English, clarity in speech) Strong Excel, communication, and coordination skills; attention to detail and deadline-driven Presentable, Well-groomed Ability to work under pressure and meet deadlines. Minimum 2/3+ years of experience in handling lenders for debt raising and working in front office and be lenders SPOC (Reporting of 2 Treasury Analyst) Candidates with experience in HOUSING FINANCE Companies, Micro Finance, NBFC preferred but not limited

Role & responsibilities He/she will be responsible for managing a delinquency-free Loan portfolio. The incumbent is required to do this in a cost-optimal manner and ensure that there are no adverse fallouts due to the collections means employed. He is required to build the necessary analytic models to provide feedback to the underwriting He is required to set up sound Collections processes while adhering to the Fair Practices Code. He is required to build up the Collections Infrastructure through recruitment of the right personnel, engagement of external agencies wherever appropriate and setting up of tele calling enters to ensure constant proactive customer reach out to prevent early-stage delinquency and reduce flows to higher buckets. Draft and implement a standard recovery process for the business to cut down NPAs and reduce delinquency across buckets. Preferred candidate profile Candidates must be only from NBFCs or banks with Collections experience in BL and LAP. Candidates must possess knowledge of Legal recovery. Ability to multitask and deliver qualitative outputs consistently at short deadlines Good communication.

Role & responsibilities : .Manage and service existing portfolio of Working Capital clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2-6 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like Working capital, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Role & responsibilities Experience : 4-9 years Experience in working capital. Experience in generating leads and meeting potential customers to drive acquisition of new customers. Perform necessary KYC/customer validation / due diligence / market enquiry and collect required data / information as per check list. Verify references and conduct necessary unit and security visits, completeness of documents, review financials/bank statements for churn, bounces, and interest servicing and start the Login Activity. Do the necessary internal co-ordination to obtain sanction and issuance of sanction letter within the stipulated timelines. Ensure overall achievement of individual targets. Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines. Create and execute necessary documents, MOD, filing ROC, CERSAI, etc. Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines. Complete monitoring of the account on an ongoing basis until the next renewal. Maintain cordial relationship with the Branch for leads and servicing of the clients. If interested kindly share your updated cv at manju.pacehr@gmail.com

We are hiring smart sales professional on the rolls of AU Bank for the profile of Sales officer & Business Manager in Micro Business Loan vertical Locations- Tonk & Niwai Interview Date - 28th -July-25 (Monday ) Timing - 10. Am to 4 PM Interview Venue -1st Floor, BRKGB Bank Branch Nazar Bagh Road , Tonk Rajasthan 304001 Contact Person - Mr. Dinesh Kumar Mali & Mr. Abdul Danish . Job Responsibilities: 100% achievement of the assigned targets for sales and collection. Doing Marketing activities, leafleting, Canopy. Identifying new source of business prospect and areas. Coordinating with prospective customer and existing customers for sourcing new business . Serving customer queries and Build up customer relationship and develop brand value in the market. Attending all the customer queries and providing resolution of their issues accordingly. Portfolio Management in Co-ordination with Operations & Collection department. Physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs. Following BM/PM and senior instruction , coordinating with FI, Collection , Valuation , Legal team for getting the desired visits reports done . Visiting the customers for first FI and meeting, taking the seniors to the customer place for visit and verification. Physical Verification of credit related documents like ITR'S, Bank Statements, receipts, ledger etc. and the property documents- Doing OSV ( Original Seen and verified) of these documents. Preparing basic CAM (Credit Appraisal Memo). Taking reference check of customer from local market and existing customers. Following policies & procedure as laid down by the company. Portfolio Management and visit to delinquent cases, doing collection of EMIs of such delinquent cases in calibration with collection team. Awareness, maintaining and stopping the Early Delinquency , Nonstarter cases in portfolio, train the team in order to be goal oriented and action oriented, deciding for the treatment of such cases wisely. Maintaining least OTC / PDD pendency and timely clearance of the same. Ensure to maintain non RPDC portfolio , all cases of portfolio should be ACH. Maintaining and collection of fresh bouncing cases EMI with charges as mentioned in policy, try to correct the operational errors and get the 100% cases repayment in NON PDC mode. collection of fresh data from open marketing activities for tele calling and self sourcing . Following of the leads so generated from this data receiving from telemarketing team . Completing the documentation of the files , filling the agreements , formats and other formalities for the disbursement of the case . Clearing all queries coming from credit , OPS , Legal , Valuation . Timely submission of daily MIS and sourcing data to reporting authority . Providing true and fair opinion based on customer's interaction. Clearing all the queries of the customer and make sure to clear him final ROI , Fees , Charges , and all other terms of the case absolute terms . Should not involve in any financial/non-financial transaction with the customer. Maintaining good and decent behavior while dealing with the customer, visiting his property, shop , go down and specially while taking photos of the property and house and surrounding with permission of the customer. Conducting the customer reference checks with at most sincerity and maturity - so the goodwill of the client should not be hampered or no defame should be there . Be sure not to disclose any financial or personal information of the existing / new clients with any ( existing / prospective clients ) or to anybody whomsoever outside company. Desired Profile: Min- 3 Years to 10 Year of experience in sales Age- Max 40 Should be comfortable with smart phones and computers and able to execute the basic functions on both the platforms, good knowledge of local demographics, Bearing KYC , NOC from other institution ( if coming from another FI/ employer) Should be preferably from local area having geographical knowledge of the place Customer Focus, Integrity Inclination towards Action and Urgency, Dynamic Growth Hard Work and orientation towards detailing

Job Title: Relationship Manager - Retail Agri Location: Uttar Pradesh ( Multiple Locations) Experience: 3 to 10 Years Department: Retail Agri Banking Job Summary: Responsible for sourcing, servicing, and managing the Retail Agri and Working Capital loan portfolio across rural Uttar Pradesh. Ensures business growth, credit quality, customer relationship, and compliance. Key Responsibilities: Acquire customers for Agri loan products (KCC, dairy, working capital, tractor, etc.) Source leads from farmers, FPOs, mandis, and Kisan clubs Conduct field visits for credit assessment, documentation, and monitoring Ensure timely disbursement and portfolio hygiene Monitor delinquencies and support recovery/legal teams as required Cross-sell liability, insurance, and digital banking products Promote financial literacy and educate farmers on government schemes and digital tools Maintain strong relationships with customers, local stakeholders, and branch teams Coordinate with Credit, Operations, and Business Correspondents for smooth loan processing Ensure adherence to internal policies and regulatory norms Qualifications: Graduate/Postgraduate in Agriculture, Rural Management, or any relevant field 310 years of experience in Retail Agri Lending, Rural Banking, or Working Capital Finance Strong knowledge of agri credit, rural market dynamics, and compliance requirements Excellent interpersonal and communication skills Willingness to travel extensively within rural areas of assigned location

Job Title: Relationship Manager Retail Agri Location: Faridkot Experience: 3 to 10 Years Department: Retail Agri Banking Job Summary: Responsible for sourcing, servicing, and managing the Retail Agri loan portfolio in and around Faridkot, ensuring portfolio growth, credit quality, and compliance. Key Responsibilities: Acquire customers for Agri loan products (KCC, tractor, dairy, etc.) Conduct field visits for credit assessment and loan monitoring Ensure timely documentation and disbursement Monitor portfolio health and control delinquencies Cross-sell CASA, insurance, and other relevant banking products Maintain strong customer relationships and local stakeholder engagement Ensure regulatory and internal compliance Qualifications: Graduate/Postgraduate in any field. 3 -10 years of experience in Retail Agri Lending or Rural Banking Strong knowledge of agri credit, rural markets, and compliance norms Good communication and interpersonal skills Willingness to travel within rural areas around Location.

JD BRANCH MANAGER Responsibilities • Responsible for Branch sales for the location posted in. • Thorough knowledge of local market and experience in Business Loans. NBFC experience is mandatory. • To ensure high standard quality of the portfolio • Experience : 5 to 12 years or more Skills & Qualification • Decent communication and interpersonal skills. Local language will be an advantage • A team player who can manage efficiently in a changing environment • Excellent Leadership Skills • Education Level University graduate in related disciplines or equivalent is desirable.

Job Description for Manager-Credit for Svakarma Finance Pvt. Ltd., an NBFC The candidate should be a self-starter who has worked in the Credit department of any bank / NBFC and has a flair for evaluating and analyzing financials, preparing a Credit Assessment Memorandum. The candidate will play a critical role in the Credit Assessment of a Business Loan case to assess its credit worthiness, analyse all risks and suggest solutions to mitigate the risks. The candidate will be responsible for: 1. Credit appraisal of Loan applications which are in compliance with the broad credit policy laid down by the management 2. Personal Discussions with the client as applicable. 3. Responsible for Under writing cases with desired level of quality. 4. Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending money to them. 5. Use performance history along with liquidity, debt/asset management and profitability to assess creditworthiness in evaluation 6. Evaluating financial statements and projections with stress tests to determine risks of extending credit to prospects. 7. Responsible for doing all the credit checks such as CIBIL, Highmark etc 8. Coordinate with Sales, Operations and Legal 9. Prepare Credit assessment Memo covering detailed analysis of business, industry, management, financials, etc. 10. Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved. 11. Analyzing client records and using the data to recommend payment plans. 12. Conducting physical discussion with the clients alongwith business manager. 13. Reverting to the sanctioning committee if any queries are raised. 14. Post disbursement monitoring & collections process coordination. Requirement: • Finance Professional • Experience: o Relevant experience of 4-8 years o Preferable-Experience in Business loan (preferred manufacturing -Engineering segment). o Knowledge about Working capital facilities, Invoice discounting, term loan, machinery loan, etc. o LOS/LMS software experience is preferred Competencies • Quality conscious with an eye for detail meticulous / following guidelines in work practices

Position: Sales Officer Key Responsibilities: Promote and sell small ticket business loans to merchants. Ensure timely disbursement of loans. Collect Equated Daily Instalments (EDI) from customers on a daily basis. Requirements: Minimum 1+ years of experience in field sales lending / Fresher also eligible. Must be willing to work in a field sales role (mandatory). Minimum qualification: HSC if experienced / UG in case of Fresher. Owning a bike and a valid driving license is mandatory. If you have any doubts feel free to contact us - 8925822988 / 8925847070

Hiring Credit Officer to assess loan applications, verify documents, evaluate creditworthiness, and monitor repayments. Must have finance background & strong analytical skills. Experience in credit appraisal preferred. Apply: 9150967111

Opening Sales Manager - Micro Business Loan - Bangalore with leading NBFC Location - Bangalore CTC - Upto 8 lacs Age 32 Max Interested candidate share resume on sanjeevani.dupare@voicehr.in

Branch Sales Manager - SME Vertical

We are hiring smart sales professional on the rolls of AU Bank for the profile of Sales officer & Business Manager in Micro Business Loan vertical Locations- Jaipur Interview Date - 25th -July-25 (Friday) Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank, (A Scheduled Commercial Bank), AU Centre, 3rd Floor, Sunny Trade Centre, New Atish Market, Jaipur, Rajasthan 302019 Contact Person - Mr. Devender Upadhayay & Mr. Dhanraj Sharma-HR . Job Responsibilities: 100% achievement of the assigned targets for sales and collection. Doing Marketing activities, leafleting, Canopy. Identifying new source of business prospect and areas. Coordinating with prospective customer and existing customers for sourcing new business . Serving customer queries and Build up customer relationship and develop brand value in the market. Attending all the customer queries and providing resolution of their issues accordingly. Portfolio Management in Co-ordination with Operations & Collection department. Physical verification of customer's residence, business and any other asset crucial from credit point of view and taking photographs. Following BM/PM and senior instruction , coordinating with FI, Collection , Valuation , Legal team for getting the desired visits reports done . Visiting the customers for first FI and meeting, taking the seniors to the customer place for visit and verification. Physical Verification of credit related documents like ITR'S, Bank Statements, receipts, ledger etc. and the property documents- Doing OSV ( Original Seen and verified) of these documents. Preparing basic CAM (Credit Appraisal Memo). Taking reference check of customer from local market and existing customers. Following policies & procedure as laid down by the company. Portfolio Management and visit to delinquent cases, doing collection of EMIs of such delinquent cases in calibration with collection team. Awareness, maintaining and stopping the Early Delinquency , Nonstarter cases in portfolio, train the team in order to be goal oriented and action oriented, deciding for the treatment of such cases wisely. Maintaining least OTC / PDD pendency and timely clearance of the same. Ensure to maintain non RPDC portfolio , all cases of portfolio should be ACH. Maintaining and collection of fresh bouncing cases EMI with charges as mentioned in policy, try to correct the operational errors and get the 100% cases repayment in NON PDC mode. collection of fresh data from open marketing activities for tele calling and self sourcing . Following of the leads so generated from this data receiving from telemarketing team . Completing the documentation of the files , filling the agreements , formats and other formalities for the disbursement of the case . Clearing all queries coming from credit , OPS , Legal , Valuation . Timely submission of daily MIS and sourcing data to reporting authority . Providing true and fair opinion based on customer's interaction. Clearing all the queries of the customer and make sure to clear him final ROI , Fees , Charges , and all other terms of the case absolute terms . Should not involve in any financial/non-financial transaction with the customer. Maintaining good and decent behavior while dealing with the customer, visiting his property, shop , go down and specially while taking photos of the property and house and surrounding with permission of the customer. Conducting the customer reference checks with at most sincerity and maturity - so the goodwill of the client should not be hampered or no defame should be there . Be sure not to disclose any financial or personal information of the existing / new clients with any ( existing / prospective clients ) or to anybody whomsoever outside company. Desired Profile: Min- 3 Years to 10 Year of experience in sales Age- Max 40 Should be comfortable with smart phones and computers and able to execute the basic functions on both the platforms, good knowledge of local demographics, Bearing KYC , NOC from other institution ( if coming from another FI/ employer) Should be preferably from local area having geographical knowledge of the place Customer Focus, Integrity Inclination towards Action and Urgency, Dynamic Growth Hard Work and orientation towards detailing

Role & responsibilities: We are looking for a highly motivated and relationship-driven professional to manage and expand our DSA (Direct Selling Agent) and Connector network for SME/Business Loan sales in Ballari and nearby areas. Key Responsibilities Identify, onboard, and manage DSAs/connectors for SME/business loan sourcing. Drive disbursals through channel partner engagement. Train partners on product knowledge and documentation. Monitor partner performance and implement productivity strategies. Ensure compliance with internal and regulatory norms. Liaise with Credit, Risk, and Ops for process efficiency. Travel regularly for partner meetings and lead generation. Preferred Candidate Profile Graduate/Postgraduate (MBA preferred) 48 years of experience in DSA/channel sales (SME/Business Loans) Strong understanding of unsecured lending and market practices Excellent interpersonal and communication skills Proficient in local language and Hindi/English Must be open to travel within the assigned region Preferred: Experience with NBFCs, fintechs, or banks; existing DSA network in Ballari and surrounding areas

Risk Management function of the NBFC, responsible for designing, implementing, and monitoring the risk management framework across credit, market, operational, compliance, liquidity, and strategic risk will ensure that the company's risk

Job Description Task performed 1 Sourcing customers: IRO is responsible for meeting with prospects, understanding their needs, generating leads, following up the leads for interested prospects Running required credit checks: IRO is responsible for filling sourcing sheets of interested customers; for collecting required KYC documents; verifying the KYC documents; for conducting cash flow analyses; and for running business and residential CPVs. Collecting repayments on the field: IRO is responsible for the overall portfolio quality - collecting on field repayments; and for managing non-repayment by customers. Participating in marketing and branding events: As necessary. Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Other relevant factors (Required Skills) 1 2 Extremely disciplined and process-oriented Able and willing to spend majority of time in the field Ability to work with minimal direction (self-starter) ¢ Good interpersonal, relationship management, customer service, and rapport building skills. ¢ Ability to prioritize, multi-task, delegate, and proactively resolve problems ¢ Demonstrated potential to take initiative in building a growing customer base and team 3 4 Expertise required/ Domain Knowledge: ¢ Ability to read and write in regional language; knowledge of basic English a bonus ¢ Prefer individuals who own bikes No. of years of relevant experience: : Graduate Fresher may be taken. However experienced candidates will be preferred with exp in collections / products like Personal loans, Two Wheeler loans, Car Loans, Insurance products Any specific specialization/education:: Graduate

Job Name PA (Business Unit): Business Development Manager – FF – Retail Agri Job Title : (Job Name) : - Business Development Manager - FF Business Unit (PA) : Retail Agri Team : (Sub team in the PA) - FF Reports to (job) :Regional Head – Business Development – FF Location of role :State/ Metro City wi thin a region Job Fn: Sales Role Type: Individual Contributor No of direct reportees: NIL Travel Required: Moderate / Extensive Job Band Range : E2 – E4 JD Created date: 06.06-2019 JD Updated date : 01-01-2019 JD approved by (business) : R0374 - Rajinder Kumar Babbar Version No : 1.0 Job Purpose: This position is responsible for New Business Development under Farmer Financing product. This will include mentoring sales officers and liaising with peers in other business groups. Job Responsibilities(JR) : 6 – 8 Areas Actionable (4-6) Business Development Scope the market, customers and understand trends / needs in focus Agri Value Chains. Develop Customer Acquisition strategy and penetration strategy in focus Agri Value Chains. Own the Customer relationships on FF activities; enable desired support to Line Teams / Corporates to get RIG penetration on mandates, activation & FF Assets. Provide customer / field level inputs on New Product requirements & assist in customizing Corporate requirements Develop FF Assets by coordinating with Corporate RM's on memo limit setup / repayments and FF team on farmer level documents and trnx. Coordinating with internal and external stakeholders Develop rapport with internal support Teams for limit approvals, disbursements and repayments of assets. Develop know how on Agri Value Chain by interacting with leading Industry players like Corporate and Associations Cross Sell: Generating leads for retail asset / Liability / Digital products. Sales Officer Recruitment: Selection of candidate for Sales officer role. Sales officer Training: Training Sales Officers on products, processes & policies. Educational Qualifications Key Skills Graduation (Preferably Agri Business): Post-Graduation (Preferably Retail Agri Business) Sales and Influencing Skills Banking Product & Process Knowledge Agri Business and Supply Chain Knowledge Regulatory Knowledge Credit Understanding Understanding of Documentation Planning and Organizing Skills Communication Knowledge of Competition & Current trends in financial Industry . Experience Required Minimum experience - 1 – 7 yrs Exposure to banking / financial industry (with Corporate background) is preferable Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) Customers Wholesale Business verticals – CB/ ECG/ Business Banking Credit Operations CCU Retail Audit