284 Msme Loan Jobs - Page 5

Key Functions & Responsibilities: Key Purpose of the Job (Position Summary): SBDM is expected to generate business through various products like Machinary Loan, equipment loan Industrial property loan. 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 SBDM 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 Responsibilities: 1. Responsible for setting up the distribution network for Machinery Loan. 2. Dealership management: Conducting a survey of dealers in the market for a given set of products. Liaison with the network for sourcing new business. 3. Achieve sales targets for given the basket of products through dealer network, manufacturers, OEM, Charted accountants and market combing. 4. Devise finance schemes to suit customers requirements. 5. Recommend manufacturers & dealers as a part of continuous business development. 6. Manage portfolio of existing customers and provide prompt service. Explore opportunities of cross selling other products. 7. Collections & Delinquency management. Education & Experience Requirement Education: Any Graduate and postgraduate Experience: 1 to 5 years Language Skills: English, Hindi Technical Competencies Required: Relevant experience (1 -5 yrs) in sales of financial products (Selling Loan). Experience in Assets (SME loan, BL, housing loans, 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. Behavioral Competencies Required: Self-driven and target oriented individual Should have good communication skills and negotiating skills Never say die attitude Should be a team player share your CVs on vaibhav.macwan@efl.co.in

• Achieving business targets as decided from time to time • Recruitment of competent team for all assigned products from time to time • Continuous training and motivating the team to achieve business targets and follow business processes • Recruitment and management of intermediaries like CA's for generating the required business • To ensure the quality of the portfolio is maintained as per company norms • To ensure adherence to the company credit policy and processes • To build up relationship with prospective and current clients • Daily monitoring of Team DSR - Quantity & Quality

Job Title: Credit Officer, PL/MSME/Business Loan Location: Ahmedabad Key Responsibilities: Evaluate loan files (PL/MSME/BL) with a focus on Login to Recommendation TAT. Conduct PD/site visits, ensure policy adherence & audit compliance. Maintain credit MIS & monitor PDDs/documents. Control delinquency within budgeted limits. Review hindsight errors and ensure corrective action. Collections for a smooth workflow. Manage costs and support overall portfolio quality. Requirements: Graduate/Postgraduate (Finance/Commerce). 24 years in Personal / MSME / Business Loan credit. Strong credit assessment & risk skills. Good communication & MS Office proficiency. Contact Person: Ami Soni (8511015682 / ta_hr14@mas.co.in)

- Tele Calling defined set of MSME suppliers - Actively seeking sales opportunities through cold calling, networking. - Assistance in documentation and due diligence of MSMEs - Experience in Working Capital, MSME, Business Loan would be preferred.

Role & responsibilities : Requirement * Achieving sales targets for HL & Lap product with open markte sourcing DSA, connectors and Business Relationship * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Candidate must be expereince in Home loan and Lap vertical Only Graduate with Min 1 yr of exp is mendatory for this role. Max Age- 35-36 Years Branch Location -Delhi- Dwarka, Gurgaon & Ghaziabad

Looking for Area Collections Manager & Collections Executive role for NBFC Company for Jaipur location. Role & responsibilities Area Collections Manager Manage collections for Jaipur belt along with collections executives Will be responsible for building/recruiting Collections team and their performance through effective coaching, training and performance appraisals Prepare and present various reports on Collections /MIS to management Liaise with other departments Collections Executive Manage collections for Jaipur belt as per allocation Regularly visit & follow up with the customers Preferred candidate profile Area Collections Manager 7 Years in a reputed HFC/NBFC/Bank handling Collections for Home Loans, LAP, MSME loan- Affordable segments and Should have handled collections in Jaipur belt Should possess a strong background in collections of Home Loans, LAP, MSME loan- Affordable segments. Should have a fair understanding of legal proceedings under section 138 & SARFAESI Good negotiation skills. Must be confident and comfortable to engage in analytical discussions Collections Executive 3 Years in a reputed HFC/NBFC/Bank handling Collections for Home Loans, LAP, MSME loan- Affordable segments and Should have handled collections in Jaipur belt Should possess a strong background in collections of Home Loans, LAP, MSME loan- Affordable segments. Should know the geography and able to travel in a radius of 50 kms form the office

Role & responsibilities : To understand clients business & provide appropriate working capital solutions across Fund/ non Fund based products like Cash Credit, Demand Loan, Buyers credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. Manage and service existing portfolio of WC clients including renewal and enhancement of limits Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & Augment the presence and penetration of the Kotak brand in the target market Maintain high caliber client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solution Preferred candidate profile : Experience: 2+ 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 BL,WC, OD,CC etc. Interested candidates please share resumes to kashish.tambe@kotak.com

Role & responsibilities Key Responsibility Areas: 1. Branch Management- a. Ensure RM/PB activation from the activities above and review of branch performance/resource wise performance/review with CH as and when required. b. Planning the catchment area activity/scoping for lead generation/joint call. 2. Lead generation/logins- a. Planning the above so that it translates into 2 calls per day/2 appointments per day. b. Go through the Financials/bank statements for churn/bounces/interest servicing as per product. 3. Cross Selling- Renewals- Churn into WC account- a. If OBA waiver required/check for justification/check for churn/put up to the authority. b. If not inform the customer on closure of OBA/levy of 2% penalty. Call Memos Delinquency Management Complaints: CRM MD PNO CR. Preferred candidate profile 1. Minimum experience of 2-3 years in sales from any industry. Job Role: 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.

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: 2-3 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 kashish.tambe@kotak.com

Job description: Build the Sales Strategy and to communicate same to your team members. Conceptualize and execute periodic sales campaigns and product promotions Cross selling of product to avail more incentives. Ensuring the team management and taking the daily reporting from the team. Fulfilment of the require documents for smooth operational work. Achieving Sales Target of the Branch for MSME

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: 2-3 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 Share resumes Through: vannela.rajendhar@kotak.com/manchala.asharani@kotak.com

Managing Rural business through assigned team of sales officers in the designated area or territory Managing a team of sales officers Responsible for disbursement targets, sales officer productivity & lead conversion Health insurance Provident fund

Job Opportunity: MSME Loan Officer Location: Chennai Salary: Up to 40000 + 250 DA We're hiring for a Sales Finance role specializing in MSME loans, including - Business Loans - Car Loans - Mobile EMI Loans Experience: Candidates with prior experience in loan sales finance or similar products are preferred. Anil Kumar-8106356547

Role & responsibilities : Requirement * Achieving sales targets for HL & Lap product with open markte sourcing and Business Relationship * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Candidate must be expereince in Home loan and Lap vertical Only Graduate with Min 1 yr of exp is mendatory for this role. Max Age- 32 Years Branch Location -Delhi- All Branches, Noida & Gurgaon

Role & responsibilities Hiring: Zonal Manager RCU (Risk Control Unit) Location: Jaipur Experience: 812 years Qualification: Any Graduate Company: Namdev Finvest Private Limited Namdev Finvest is looking for an experienced professional to lead fraud control and risk management operations across the zone. The ideal candidate should possess a keen eye for detail, proactive risk mitigation abilities, and strong coordination skills with internal and external stakeholders. Key Responsibilities: Identify early warning signals and enhance existing risk triggers Develop and update policies, SOPs, and operational guidelines based on gap assessments Manage end-to-end risk identification, remediation planning, and monitoring Set up centralized monitoring for sampling and hunter activities Monitor field investigation reports and ensure timely closures Coordinate with cross-functional teams to mitigate emerging fraud risks Conduct root cause analysis and implement systemic improvements Build and present fraud trend MIS reports to senior management Train and sensitise field and branch staff on fraud detection and control measures Ensure compliance with internal policies and regulatory guidelines Apply Now: Send your updated CV to anshika1@namfin.in Be part of a purpose-driven organization focused on building a secure and resilient financial ecosystem. Preferred candidate profile

Role & responsibilities Responsible for branch productivity. Adherence to process, disbursement Collection etc. Should have potential to take the initiative in building a growing customer base. Responsible for recruitment of relationship managers for particular branches. Responsible for managing Profit and loss of a branch and ensuring profitability of strategic SBU Preferred candidate profile A graduate / P.G in any discipline. Minimum 4 to 5 year of experience LAP / Business loan. Must have team handling Experience

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- Udaipur Interview Date - 23rd-June-25 Timing - 10. Am to 4 PM Interview Venue - AU Small Finance Bank - Plot No. 06th Floor, Paras Prime, Hiran Magri, Sector-11 Ahmedabad Road, Udaipur-313001 Contact Person - Mr. Tejpal Soni & Ms. Sebi Jain . 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 Responsibilities Field sales of loan products ( Door to Door canvassing , loan leads sourcing campaigns and open market sourcing of potential loan leads etc. ) Achievement of agreed sales objectives for the defined territory / Region for all the Retail advances.. Timely Update of market information and competition schemes to reporting managers. Attend the Product & Sales skill training provided by the Client and constantly update themselves with the latest product features and guidelines. Plan and execute marketing activities / loan leads sourcing campaigns for assigned products within the geographical area allotted to BDE. Handling MSME Loan Customers in the Branch, explain Product Features, handling queries from customers, support in documentation and End to End Loans processing in LOS. Preferred Candidate Profile Candidate who have experience minimum 6 months and above in Home loan, MSME or LAP sales People who are interested in field work Core Competencies Excellent interpersonal Ability to build strong relationships with clients. Strong understanding on loan processes Knowledge about internal/external regulations. Technical Competencies Capable of managing the loan origination system Perks & Benefits Attractive Incentives, ESI, Insurance, PF Location : Bangalore Hyderabad Vijayawada

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

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