284 Msme Loan Jobs - Page 2

Job Title: Relationship Manager Emerging Enterprises Group (EEG) Locations: Kaithal, Karnal, Hisar (Haryana) Department: Wholesale Banking ( EEG) Employment Type: Full-Time Roles & Responsibilities: Manage and expand a portfolio of Emerging Enterprises (MSME) clients with a strong focus on Working Capital finance and customized banking solutions . Act as the primary relationship owner , responsible for client acquisition, engagement, portfolio deepening, and retention through proactive client interactions and financial discussions. Handle the entire credit lifecycle including client onboarding, financial analysis, credit proposal preparation, documentation, and coordination with internal teams (credit, legal, risk, operations) to ensure timely processing and disbursal. Structure and deliver tailored financial solutions such as Working Capital Loans, Cash Credit (CC) Limits, Overdraft (OD) Facilities, Term Loans, and Business Loans aligned to client requirements. Ensure timely renewal of credit limits , adherence to sanctioned terms (CAM/OBA), and accurate record-keeping via internal systems (CRM, SPE, call memos). Closely monitor portfolio performance , identify early warning signals, and coordinate with collections/risk teams to manage and resolve delinquencies. Serve as a single point of contact for clients, ensuring high service standards, timely query resolution, and trust-based relationship management. Collaborate actively with branch teams via daily huddles, joint visits, and reviews to drive conversions and activate new relationships. Participate in marketing activities , lead generation campaigns, and local sourcing drives to boost business visibility and client acquisition. Ensure full regulatory and internal compliance across documentation, KYC, credit evaluation, legal coordination, and reporting. Provide periodic business updates to cluster leadership , aligning individual goals with the broader strategic vision of the Emerging Enterprises Group. Preferred candidate profile Education: Graduate / MBA / CA Experience: 3-10 years in relationship management or sales within Banking/NBFC Skills: Strong interpersonal skills, multitasking, pressure handling, and coordination across teams Others: Willingness to travel moderately and meet business targets through proactive client engagement. Seek resolution post discussing with Customer Interpersonal Skills Coordination with multiple teams & multiple activities Ability to work under pressure

Sourcing & managing relationship of high value ticket group, for Trade and Working Capital requirements. Sourcing channels : Sourced primarily through Deutsche Bank Branches, In-house Sales team, DB's Cross sell unit targeted at existing DB customer's. Target segment : The PCB business in India started in 2005 and has been focusing primarily on the MSME segment and caters to clients providing lending solutions to the entire mid-corporate segment. Bank for Entrepreneur :From an IPB standpoint, targeting this segment is also important from a Bank for Entrepreneurs perspective, because this is where the majority of our Wealth clients would fit in, and where we would need to be present in, to cater to their Lending and Business Banking requirements. Therefore, specifically for WM clients, we would consider exceeding the Sales turnover threshold defined in the previous paragraph, on a case-specific basis.Work closely with Private Wealth Teams to provide Business Banking Solutions to the Entrepreneurs who are banking with DB in personal capacity.Thus enhancing the wallet share of DB. What we'll offer you As part of our flexible scheme, here are just some of the benefits that you'll enjoy Best in class leave policy Gender neutral parental leaves 100% reimbursement under childcare assistance benefit (gender neutral) Sponsorship for Industry relevant certifications and education Employee Assistance Program for you and your family members Comprehensive Hospitalization Insurance for you and your dependents Accident and Term life Insurance Complementary Health screening for 35 yrs. and above Your key responsibilities Acquire new to bank Trade & Forex clients.Acquire new business lending clients. Ensure healthy growth of Working Capital Book, CA floats and Trade & FX revenues. Maximise client relationship by way of upsell and cross sell of various banking products such as Investments, Insurance, etc. Ensure growth of revenues as per bank policy with focus on reduced risks. Have robust Relationship management model.Focus on managing the client relationships and ensuring healthy revenue growth.Ensure the regulatory and compliance asks are fulfilled.Monitor the client business and performance for early warning signs if any.Work closely with PWM and CIB teams to generate leads and ensure we stand out as Bank for the Enterpreneur.We not only look at company relationships but also individual relationships for High Networth Clients. The job requires monitoring the hygiene factors such as Stock Statements, Site Visit reports, Churning in accounts, Renewals, Early Warning Signals etc in order for the portfolio to perform well Co-ordinate with the Trade Product team, Local Travel Desk, GTB Trade Operations team, Remittance Department and Trade Operations team to ensure client requests are taken care of on priority. Co-ordinate with Loan operations team for processes to be followed for funded facilities . Liasoning with all operations team for documentations related to trade & lending transactions . Ensure top class service delivery to clients to be in line with the best in the industry Be in constant touch with HNI clientele and address their trade requirements Disseminating research views and market information. Your skills and experience At least 6 or 11+ years of work experience in Emerging Enterprises and Business clients. The resource should have experience in Trade, Working Capital, Cash Management, Bill discounting etc.to support new transactions. This role also needs the person to be well conversant with Trade and Trade Guidelines (UCP/FEMA) in order to be able to support the client transactions. The candidate must possess exceptional communication and interpersonal skills. The candidate must at least be a Post Graduate The candidate should possess the skill sets to handle customer queries and keep up to customer commitments and should have a fair knowledge on Banking processes pertaining to day to day operations and rules. Effective monitoring of the portfolio is also important from regulatory point of view as per RBI guidelines. Understanding of markets, economy, businesses. Understanding financial statements and balance sheets. How we'll support you Training and development to help you excel in your career Coaching and support from experts in your team A culture of continuous learning to aid progression A range of flexible benefits that you can tailor to suit your needs Role: Retail Banking Sales Industry Type: Investment Banking / Venture Capital / Private Equity Department: Sales & Business Development Employment Type: Full Time, Permanent Role Category: Retail & B2C Sales Education UG: Any Graduate

Role Type: Individual Contributor Travel Requirement: Yes Candidate must be comfortable with regular travel within the assigned location. Educational Qualifications: Any Graduate Preferred: B.Com, M.Com, MBA (Finance & Marketing) Experience Required: 13 years of relevant experience in: Working capital Term loans Client acquisition Business banking products Job Purpose: To drive initiatives aligned with the bank's key business objectives, ensuring superior customer engagement and business growth in the working capital and SME lending segment. Key Responsibility Areas & Actionables 1. Branch Management & Engagement Plan weekly branch visits and ensure structured coverage. Attend monthly morning meetings with each branch. Collaborate with RM/PB to scope and execute joint calls. Leverage branch and catchment area activities for lead generation. Drive RM/PB activation through planned branch activities. Monitor CRM for leads, follow-ups, and updates. Document branch interactions via Cogent/emails. Drive contests, recognition programs, and engagement to boost energy at branch level. 2. Lead Generation & Logins Target at least 2 client meetings/appointments per day. Communicate document requirements to customers in advance. Ensure follow-up for documents and arrange collection. Validate document completeness and analyze financials and bank statements. Conduct KYC verification. 3. Cross-Selling Act as a one-stop solution for Express OD clients. Cross-sell relevant financial products: Insurance, CASA, Credit Cards, and other asset products. Track and monitor lead conversions. 4. Loan Renewals Proactively manage non-auto renewals. Communicate with customers on required documentation. Follow up and ensure timely document collection and verification. Analyze customer financials and address any discrepancies. Recommend extensions for delayed but genuine cases. 5. Churn Management into WC Account Ensure post-disbursement churn is routed through HDFC Bank accounts. Manage OBA waiver justifications and inform customers regarding penalties or closures if needed. 6. Call Memos & Monitoring Monitor Express OD based on central triggers. Meet customers not contacted virtually, per the required frequency. 7. Delinquency Management Follow up rigorously based on case severity. Handle customer servicing via calls, emails, and personal visits. Coordinate joint visits with Credit Managers where necessary. 8. Complaint Handling Analyze and address customer complaints from CRM/MD/PNO/CRO sources. Liaise with internal teams and customers to resolve issues effectively. Key Skills & Competencies Strong interpersonal and coordination skills Ability to manage multiple activities across teams Comfortable working under pressure and tight deadlines Good understanding of financial products , working capital needs , and SME customer behavior Major Stakeholders Branch Banking Teams Operations Product Teams Credit Teams

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask 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) Sr. NoOther 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: : Freshers 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:: 10th /12th pass minimum; graduates

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask 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) Sr. NoOther 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: : Freshers 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:: 10th /12th pass minimum; graduates

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask 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) Sr. NoOther 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: : Freshers 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:: 10th /12th pass minimum; graduates

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask 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) Sr. NoOther 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: : Freshers 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:: 10th /12th pass minimum; graduates

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask 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) Sr. NoOther 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: : Freshers 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:: 10th /12th pass minimum; graduates

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 - 23rd -July-25 Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank - Shop No G1 ARG North Avenue Sikar Road Vki Jaipur 302013 Contact Person - Mr. Shyam Bihari Khandelwal & Mr. Anuraag Kumawat . 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

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 - 23rd -July-25 Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank - Atish Market 3rd floor sunny trade center new gopalpura by pass Jaipur 302020 Contact Person - Mr. Deepak sharma & Miss Kritka . 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

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 - 23rd -July-25 Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank - Scheme no 12 plot no. 2Kanata Chouraha Kalyan kunj colony johotwara Jaipur Rajasthan 302012 Contact Person - Mr. Gajanand sharma & Miss sheetal sharma . 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 DESCRIPTION: Key Purpose of the Job (Position Summary) SM is expected to generate business through various products like Machinery Loan, equipment loan, Plastic and Printing machines loan etc. He/she will use existing as well as new channels for sourcing new-to-company cases by understanding the credit profile of the prospect, the exact need and other credit and operational aspects. The SM will also manage the portfolio so generated in terms of installment recovery and collections for as well as will be responsible for the health of the portfolio. Key Functions & Responsibilities Responsible for setting up the distribution network for machinery loan/ finance. Dealership management: Conducting a survey of dealers in the market for a given set of products. Liaison with the network for sourcing new business. Achieve sales targets for given the basket of products through dealer network, manufacturers, OEM, Charted accountants and market combing. Devise finance schemes to suit customers requirements. Recommend manufacturers & dealers as a part of continuous business development. Manage portfolio of existing customers and provide prompt service. Explore opportunities of cross selling other products. Collections & Delinquency management. Education: Any Graduate /Postgraduate Experience: 1 to 5 Years Language Skills : English, Local Language Technical / Managerial Competencies Required: Relevant experience (1 -5 yrs) in sales of financial products (Selling Loan). Experience in Assets (SME loan, Business Loan, working capital, Overdraft, Cash credit, Term loan, equipment finance, commercial LAP / Mortgage Loan) preferred. Dealer management & experience in equipment finance is a big plus Sound knowledge of MS office, esp. Microsoft excel Should have owned mode of transport as the job requires extensive travel within the allocated geography Share your resume on vaibhav.macwan@efl.co.in

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

1 year experience in Banking sector. Require necessary Documents like Education Documents and Experience Documents for fast Process . Urgent Namita Gandhi 9974602009 krisha.hr@gmail.com

Role Name - Relationship Manager - Micro Enterprise Group Business Unit: Emerging Enterprises Group Locations - MUMBAI & NAVI MUMBAI Job Description: To build and manage relationships with new and existing clients so as to ensure income generation from sale of product- Dukandar Overdraft relevant to the client - Shopkeeper. • Acquisition and managing a portfolio of existing relationships and achievement of overall business targets. • Experience in Banking sector in SME/mid-marked/Corporate banking domain with understanding of various bank facilities like, Overdraft, etc. Job Purpose: To run initiatives in line with key objectives of the Business in order to attain the banks objective of business leadership. Key Responsibility Areas : Branch Management. 1. Plan the branch visits detailing the coverage every week 2. Meeting the branches during the morning meeting - every branch once a month 3. Scoping the RM/PB customer for lead/joint calls OR make use of available resources in the branch for leads/joint calls 4. Planning the catchment area activity/scoping for lead generation/joint call 5. Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required. 6. Creating excitement in branches/spot sanctions/contests/recognition program 7. Check CRM daily and review the leads/update follow up leads/with dates8 Document branch meeting through Cogent/mails Lead generation/logins 1. Planning the above so that it translates into 2 calls per day/2 appointments per day 2. Send the communication to the customer on documents required 3. Follow up the on the calls made for documents/arrange for pickup of documents 4. Check for completeness of documents 5. Go through the Financials/bank statements for churn/bounces/interest servicing as per product 6. KYCs Cross Selling 1. To be the one-stop shop for each of our Express OD clients and provide suitable gamut of financial products such as Insurance, CASA, Credit Cards, Other Assets Products as required by the customer. 2. Monitor and track Leads. Renewals 1. Work on the renewals in advance for customers who are not getting auto renewed 2. Mail to the respective customers on docs required for renewal 3. Follow up weekly twice for docs 4. Arrange for collection of documents 5. Check the documents for completeness 6. Study the financials/bank statements/churn/interest servicing/aberrations from the stated nos as per product requirement 7. Speak to the customer for addressing issues/aberrations 8. For renewals overdue and having genuine delay put up for extensions Churn into WC account 1. Post disbursement ensure that all business churn comes to HDFC bank account 2. If OBA waiver required/check for justification/check for churn/put up to the authority 3. If not inform the customer on closure of OBA/levy of 2% penalty. Call Memos 1. Express OD Monitoring to happen basis central triggers, customers falling in triggers and if not contacted virually to be met by RM as required frequency. Delinquency management1. Depending upon severity of each case - Customer Call for servicing Interest. 2. Email communication to Branch & customer 3. Personal Visit to Customer / Joint Visit with Credit Manager; 4. Rigorous follow-up Share your profiles on omkar.kunsi@hdfcbank.com Mail Title - MEG_Name

Join Credflow as a Business Development Manager (BDM) Location: Delhi NCR & Haryana About Credflow: At Credflow, we're on a mission to empower small and medium enterprises (SMEs) by making access to credit simple, transparent, and impactful. As a rapidly growing fintech, were reshaping the future of SME lending in India and we want you to be a part of it. Role Overview: We are looking for driven and dynamic professionals to join our team as Business Development Managers (BDMs). In this client-facing, high-impact role, you will play a pivotal part in expanding our SME customer base and delivering customized lending solutions that power their growth. What You'll Do: Sales Expertise: Identify, engage, and close deals with potential SME borrowers, ensuring a smooth end-to-end sales cycle. Lead Generation: Build and maintain a strong prospect pipeline through fieldwork, referrals, and strategic outreach. Client Interaction: Meet clients in person, understand their needs, and convert leads into long-term relationships. Relationship Management: Serve as a trusted advisor to SMEs, offering financial products tailored to their requirements. Cross-functional Collaboration: Work closely with internal teams for seamless onboarding and loan disbursal. What We're Looking For: Experience: Prior experience in SME lending or B2B sales is a strong plus. Skills: Excellent communication, negotiation, and relationship management skills. Mindset: Highly motivated, target-oriented, and capable of working independently. Mobility: Open to extensive travel across assigned territories. Passion: A genuine desire to help SMEs thrive and grow. Why Join Credflow? • Be a part of a high-growth fintech revolutionizing credit for SMEs. • Work alongside experienced, mission-driven leaders. • Grow your career in a fast-paced, performance-driven environment. • Attractive compensation & incentives linked to performance.

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

ROLEPURPOSE & OBJECTIVE Expertknowledge of assessing credit risk for Home Loan by applyingDeposit of Title Documents and Registration of Mortgageguidelines. Conductincome appraisal of salaried and self-employed borrowers. Indepth understanding and analysis of P & L Account and BalanceSheet including cash flows of self-employed borrowers. Assessincome to obligation ratios, loan to value ratios, in depthknowledge of rational behind calculation of ratios and its impacton loan performance over long tenures. ProvideMarket intelligence from a competition and customer stand point Recommendationson new processes & fraud Control initiative etc ManageCredit Officers team NON-FINANCIALSIZE Manageentire Area underwriting teams Handlingportfolio from 50 Cr to 200 Cr Supervisingthe monthly disbursement of 60-150 files from the assigned area EfficientTAT management by credit team Ensureto strengthen area credit team to include more responsibilities Tomanage direct and indirect team of close to 4-10 people. Involvein process reengineering, Audits, Policy change discussions etc. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business EnsureCredit policy and process adherence in the Cluster. Co-ordinatewith Legal & Technical Agencies. Guide/MonitorCredit Officers of the cluster. Ensuretimely training to branches in the cluster. SuggestPolicy revisions in line with changing market conditions. Customer Expertknowledge of customer segments in various markets of India andtheir performance histories. Expertknowledge of negative profiles, negative property types andnegative property locations Completeunderstanding of various collateral types of all regions andcities in India and their title documentation requirements forcreation of equitable mortgage Knowledgeof property valuation process through vendors and knowledge &keen interestin monitoring current property price / historical propertyprices. Meetappropriate customers for understanding of their needs Conductunderwriting for cases under purview Pickup EWS for the set of clients in his area Maintainportfolio quality of the Cluster as per company norms. Monitoringand tracking of HL Loan cases. Maintainvarious standard MIS for HL Loan. Ensurevarious reports are being sent to stakeholders on monthly basis &at regular frequencies. InternalProcess AppropriateIntervention to manage ground level risk effectively. Ensureadherence to RBI regulations on documentation and KYC compliance. LUCand periodic loan monitoring framework ProvideAudit Compliance. Timelyhiring of Credit Officer for the Cluster as per the budget Learning& Performance Maintainup to date knowledge of HL and other related products. Upgradeself and team about changes happening in the market. Networkingwith other NBFCs/Banks to have a deeper understanding of theIndustry and its perspectives Ensureon time appraisal and suggest suitable career paths for staff Note: Highlightonly the critical baseline responsibilities; and not activities thatthe role holder might do on an ad-hoc/on-off case MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Qualifications Graduateor Post graduate (preferred MBA) from a reputed college. Experience(Yearsand Core Experience Type) Preferredexperience of 4 years or more in Credit Home loans/MortgageLoans/MSME Loans Loan products. Teamhandling is a must. FunctionalSkills Knowledgeof Credit in LAP/Mortgage Loans/MSME Loans including term loans and overdrafts BusinessAnalysis Skills CommunicationSkills. BehavioralSkills TeamManagement Skills Leadership Possessesgood interpersonal skills. Location - Bengaluru,Kalburagi,Hyderabad,Tambaram,Vijayawada

Be the Growth Catalyst for India’s MSME Revolution. Key Responsibilities Business Growth & Development Operations & Process Excellence Team Leadership & Development Customer & Community Engagement Required Candidate profile What We’re Looking For: Education: Graduate Age: 21 – 35 years. Experience: Min. 1 year of exp. in SME, or Business Loan. Entrepreneurial mindset. Strong leadership, and team management skills. Perks and benefits Incentive, Fuel Reimbursement, Insurance, PF

Responsibilities: Acquire new clients and manage existing relationships for working capital and agri-finance products. Understand clients' business needs and offer suitable financial solutions (e.g., cash credit, overdrafts, term loans, KCC, etc.). Assess creditworthiness and coordinate with credit teams for appraisal and sanction. Ensure timely disbursal and documentation compliance. Key Skills: Strong understanding of working capital finance and agri lending. Good analytical, communication, and negotiation skills. Relationship-building mindset with a customer-first approach. Basic knowledge of banking regulations and documentation norms.

Role & responsibilities Responsible for sourcing, structuring & servicing clients for their financial needs by offering them various secure & unsecured products majorly designed to cater to the MSME segment from open market and DSA. Responsible for attending clients queries and resolution in TAT. Responsible for coordination with support functions (Credit/Ops) in facilitating disbursement. To constantly provide feedback on the ground about the market and products offered by competition. Preferred candidate profile Minimum 2 year of experience in Business Loan or LAP Candidates should be locally belonging to their respective location. Should have good communication and negotiation skills.

Role & responsibilities Job Purpose: To lead and oversee the collections and recoveries function of the microfinance business, ensuring effective debt recovery, minimizing delinquencies, and maintaining portfolio quality. The role involves strategic planning, team management, and field operations oversight in alignment with regulatory and company standards. Key Responsibilities: Strategic Leadership: Develop and implement the overall collections and recoveries strategy for microfinance lending products. Monitor portfolio quality and design proactive measures to reduce NPAs and PAR (Portfolio At Risk) levels. Set collections targets and define KPIs for teams across geographies. Operations Management: Lead and supervise zonal/branch-level collections teams, including on-ground field recovery agents. Ensure timely and efficient recovery of overdue accounts while maintaining customer relationships. Coordinate with legal teams for necessary legal actions under SARFAESI, Lok Adalats, arbitration, etc., for hard bucket cases. Performance Monitoring & MIS: Generate and analyze regular MIS reports related to collections, delinquencies, and recovery performance. Track collection efficiency, aging analysis, and take corrective action for underperforming regions or products. Risk & Compliance: Ensure compliance with RBI regulations and internal credit policies for collection practices. Implement fair, ethical, and non-coercive recovery practices in line with the industry code of conduct. Manage reputational risk and escalate high-risk cases appropriately. Team Management: Recruit, train, and motivate collection and recovery personnel. Develop incentive and performance frameworks for the field collection staff. Conduct regular training on soft collections, field risk mitigation, and compliance norms. Key Skills & Competencies: Strong knowledge of microfinance operations and borrower profiles. Expertise in collections lifecycle: early bucket, mid-bucket, and hard bucket recovery. Experience in managing large field teams across geographies. Sound understanding of regulatory compliance, especially RBI & MFIN/SA-DHAN codes. Excellent negotiation, conflict resolution, and communication skills. High integrity, with the ability to handle field pressure and sensitive situations. Educational Qualifications: Graduate in any discipline (preferably Finance, Business, or Law) MBA/PGDM or equivalent preferred Certifications in credit/risk management or recovery processes (optional but beneficial)

Role & responsibilities : Client Consultation: Evaluate clients financial profiles, recommend appropriate home loan products, and explain terms and repayment options . Loan Application Management: Guide applicants through paperwork, documentation, and submission; coordinate with underwriting and processing teams to facilitate timely approval. Relationship Management: Build and sustain trusted partnerships with clients and referral partners to generate repeat and referral business. Achieve monthly and quarterly loan targets and contribute to overall branch performance. Monthly loan disbursement value Application-to-approval ratio TAT (Turnaround Time) for processing Customer satisfaction and retention Cross-selling of related banking products Relationship Management: Build and sustain trusted partnerships with clients and referral partners to generate repeat and referral business Preferred candidate profile

Job Title: Relationship Manager-Business Banking Function/ Department : Business Banking Job Purpose: The role entails providing financial solutions to meet the working requirements of business banking customers and ensuring best-in-class relationship management and customer experience to become their banking partner of choice. The role bearer is responsible for asset NTB client acquisition along with liabilities and Forex deepening. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing, and deepening. Roles & Responsibilities: Responsible for acquiring new customers for business banking with a detailed understanding of credit assessment. Knowledge on liability, Forex, trade and client relationships, delinquency management, relationship management, and an analytical mindset. Managing the portfolio effectively through continuous monitoring of accounts and renewals, enhancement, retention and ensuring portfolio hygiene with minimal open deferral and covenants. Develop a superior working relationship with branch banking for cross-leveraging & synergy optimization and work within the overall bank ecosystem with other stakeholders. Evaluate the growth strategy based on competitor analysis and feedback from different channels and customers. Recommend process changes in order to improve service efficiency and quality across the branch network. Demonstrated ability in sales planning and conceptualizing promotions and marketing initiatives. Understanding of financial statements, credit Assessment and title-security documents

Interested candidate can Reach Judith Mercy HR Ph-9209402945 Mail judith.mercy@efl.co.in Role & responsibilities Designation: Sales Manager. Experience: 2 - 7 years Education: Any Graduate Location: Coimbatore & Tiruppur Job Description: Responsible for setting up the distribution network for SME Loan / machinery loan Dealership management: Conducting a survey of dealers in the market for a given set of products. Liaison with the network for sourcing new business Achieve sales targets for given the basket of products through dealer network, manufacturers, OEM, Charted accountants and market combing Devise finance schemes to suit customers requirements Explore opportunities in dealer financing Recommend new products / manufacturers & dealers as a part of continuous business development. Manage portfolio of existing customers and provide prompt service. Explore opportunities of cross selling other products Collections & Delinquency management Desired Candidate Profile: Relevant experience (2 -7 yrs) in sales of Business Loan. Experience in Assets (BL, Working Capital, equipment finance) preferred. Dealer management & experience in equipment finance is a big plus Sound knowledge of MS office, esp. Microsoft excel Should have owned mode of transport as the job requires extensive travel within the allocated geography.