30 Pl Jobs

HDB Financial Services Ltd. Urgent Hiring - Area Manager (Relationship Channels) Location - Amritsar Product - LAP/PL/BL Job Role • Profitability Management - Maintaining & optimizing profitability for the branch • Target setting & management Monitoring branch targets in numbers & volumes • Portfolio quality management - through superior underwriting, working closely with collections • Cost management – managing all branch operating costs including cost of acquisition, operations etc. • People management – Motivating team, handling HR & administration function of the branch • Customer experience management - Ensuring superior customer experience and handling customer service in terms of collections, pre closures & service issues Mandatory skills • 7-8 Years experience, with atleast 4 years in Retail Assets • Ability to plan & execute • Strong inter-personal skills and leadership ability, • Ability to create professional work culture that encourages enthusiasm and team spirit • Understanding of credit risks & operational risks. • Ability to manage and implement change by taking complete ownership Regards Rupali 9354966985

Roles and Responsibilities Manage relationships with existing clients to identify their financial needs and provide tailored solutions. Identify new business opportunities through networking, referrals, and market research. Develop and maintain a strong understanding of banking products such as home loans, personal loans, LAP (Loan Against Property), HL (Home Equity Loan), BL (Business Loan), AL (Auto Loan) etc. Meet sales targets by acquiring new customers and increasing revenue growth. Collaborate with internal teams to resolve customer queries and issues. Desired Candidate Profile 0-5 years of experience in banking industry or related field like NBFC or fintech company. Strong knowledge of banking sales principles, practices, and regulations. Excellent communication skills for effective relationship management with clients. Ability to work independently with minimal supervision while meeting deadlines.

Job Title: Individual Relationship Officer - PL /BL Location: Khamgaon ,Akola,Wardha,Aurangabad, Malkapur, Wani Dist. Yavatmal, Hingana ,Shirur ,

Key Responsibilities: * Identify, onboard, and manage Direct Sales Agents (DSAs) to drive personal loan sales. * Train DSAs on loan products, policies, and sales techniques. * Monitor DSA performance, ensuring lead generation and conversions. * Coordinate with credit and operations teams for smooth processing and TAT adherence. * Achieve assigned sales targets and maintain portfolio quality. * Analyze market trends and competitor activities to drive business growth. Requirements: * Experience: 3-5 years in Personal Loan sales, preferably with DSA management. * Skills: Strong communication, relationship management, and a target-oriented mindset. * Other: Basic computer knowledge. Location : Surat,Indore,Ahmedabad

Job Title: Sales Manager Personal Loans Location: Pune Channel: DSA (Direct Selling Agent) Job Description: We are hiring a Sales Manager to drive Personal Loan business through the DSA channel in Pune. The ideal candidate will be responsible for onboarding and managing DSAs, ensuring quality sourcing, and meeting disbursement targets. Key Responsibilities: • Identify, onboard, and manage DSA partners • Generate leads and drive business through DSAs • Ensure adherence to credit and compliance norms • Achieve monthly disbursement and productivity targets • Liaise with internal teams for smooth loan processingRole & responsibilities

Skills Required- Should have min 3 + years of experience in Sales segment. i.e :- Personal Loan, Salaried Loan . Finance with team management abilities. Should able to develop the business in targeted area with the use of skills, strategies and experience. Should be able for recruitment as per the requirement and able to provide Training. Required strong local market knowledge. DSA Channel Experience is must CTC - No Bar for Right Candidate Interested candidates share your updated resume or contact to HR.

Role & responsibilities Develop and implement sales strategies to achieve business goals. Build and maintain strong customer relationships to ensure repeat business. Drive personal loan sales through DSAs.

1) Job Purpose: Write the purpose for which the job exists (in 2-3 lines) (Max 1325 Characters) The purpose of this job is: To deliver on area/ local strategy for the Unsecured Business segment in terms of target segments, strengthening existing relationships and setting up new channels for market penetration, and work towards achievement of sales targets and operational plans. To proactively address customer/ DSA issues and escalate cases (e.g. fraud alerts, customer complaints or exception handling) as required for smooth operations; work on removal of bottlenecks for the achievement of targets for Unsecured Business segment at the area/ local level To grow the penetration of the business by actively partnering, negotiating and building relationships with the DSA network To take ownership for end to end Unsecured business transactions in assigned area of coverage ensuring efficient internal operations To execute superior product delivery and ensure credit quality of new acquisitions with compliant sales operations & coordination with Risk team 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters) Finance, Commercial Real Estate and Mortgages. Currently ranked within the top 25 NBFCs of India, ABFL has made significant progress and the Companys balance sheet at INR 15,000 Cr plus exceeds that of several mid-sized Banks and NBFCs. The company has a well-defined vision of being one of the most reputed and material financiers within the lending space spread across Retail HNI and corporate clientele. It has made significant investments in process and system infrastructure towards preparing for the next level of growth and are one of the only financial entities certified for ISO 9001:2008 across all business processes. Spread across 18 cities, it plans on further diversifying its risk and revenue mix through expansion into new geographies and new product segments allowing customers a one-window shop for all their financing needs. Having focused traditionally on secured lending verticals and built a strong balance sheet on the same, ABFL has ventured into Unsecured Business segment in order to effectively capitalize on its financial base with carefully managed exposures in this higher yield and profit segment. Job Context Key Aspects: The Unsecured Business segment products line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral. Offerings comprise unsecured loans to salaried individuals/ self-employed individuals/ non- individual entities, with end use of funds (Medical emergency, Marriage, working capital requirement, business expansion etc.) to be ascertained during the loan appraisal process The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins (up to four times that of Secured Lending products) Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives. Lending in the Unsecured segment takes 2 forms Personal Loans and Business Loans, both of which leverage the ABG ecosystem and channel partners for the major share of business. Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are important to gain competitive advantage while structuring loans and identifying leads. The Sales Manager Unsecured Business is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her zone to maximize disbursals, profit, growth & customer service objectives. Key Challenges To deliver on operational plan in the assigned coverage area in a differentiated manner considering local factors, channel dynamics and consumer preferences, that can withstand competitive pressure on the ground 3) Job Context & Major Challenges: Write the specific aspects of the job that provide a challenge (internal and external) to the jobholder in the context of the Business/Unit/Function/Department/Section ((Max 3975 Characters) To meet business volume/ value targets while keeping abreast with and overcoming competitor product offerings and customer schemes To increase market share in assigned coverage area against stiff competition, overcoming competitive pressures borne out of better established networks, price undercutting, etc. To establish a strong local network and leverage the same to generate business leads, and also identify opportunities for cross sell with existing customers To proactively build new and nurture existing DSA relationships keeping in mind immediate and longer term business interests, and considering the phased manner of team size expansion To constantly upgrade financial & operational know how on efficient loan processing, effective negotiation and relationship building for maintaining credibility with DSA network and profitable target achievement To keep abreast with the latest market trends and local market preferences and needs To ensure loan conversion/ sanction/ utilization percentages are high and a broad enough sourcing funnel is built to meet targets To ensure credit quality and effective portfolio selection/pre screening thereby minimizing potential NPAs To ensure compliant sales operations despite sales pressures and market cycles Enabling Skill Sets & Qualifications Critical skill sets required to meet these challenges include execution excellence, business & commercial acumen, sound product understanding, strong communication and influencing skills. Education & experience required to fulfill this profile are a postgraduate with minimum 4 6 yrs of total sales experience/ graduate with minimum 6 - 8 yrs of t total sales experience of which at least recent 2-3 yrs experience should be in unsecured lending. 4) Key Result Areas: Write the key results expected from the job and the supporting actions for each of these key result areas (For a majority of jobs typically there could be 4- 7 key result areas)- Maximum 10 KRAs can be updated Key Result Areas (Max 1325 Characters) Supporting Actions (Max 1325 Characters) Sales Growth & Client Acquisition o Identify and execute sales growth opportunities at a local/ area level, driving channel expansion and new account acquisition o Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes o Segment the market and identify potential direct clients, approach them and generate business through customized loan structure offerings that meet client requirements and also generate good margins for business o Carry out regular meetings and sales calls with prospective clients on a regular basis to source business o Augment the sales volumes of Unsecured lending, manage channel databases and tap them tactically to ensure healthy sales pipeline o Drive faster TATs through effective loan sanctioning by building strong relationships with internal stakeholders in order to expand channel presence and customer base o Track and report on sales operations and productivity metrics, and work towards building a high-performance sales culture Actively participate in initiatives and contests driven by Business Development teams Operational Effectiveness Work with dual focus on sales volume and value (IRR) o Track & ensure SLA adherence, sales efficiencies and RoI o Adopt prescribed improvements in processes and best practices in order to enhance operational productivity and suggest improvements as well Analyze and communicate operational information periodically as per agreed timelines and MIS formats for disbursements, profits, NPAs, channel expansion, new product launches, new branches, new channel development, etc. and communicate to ZSM/ ASM as well as down the line.

Roles and Responsibilities Establish key qualification rules & credit worthiness of applicants Preparing credit evaluation reports evaluating risk in borrower, transaction and underlying security and making recommendations. Expert knowledge of Industry specific, market knowledge & trend Expert knowledge of financial with key ratio & their impact. Preparing review and renewal credit reports for revisiting the limits and assessing the same for credit alerts Working on new credit monitoring measures and credit triggers and their tracking. Monitoring and proactively highlighting risk in the portfolio of loans or the underlying security or the client. Liasioning and networking in the industry to seek reference checks for clients as well as understanding the industry & economy dynamics Ensuring the approvals are taken as per policies laid down and ensuring the internal policies on credit are not violated Stakeholder management and big team handling experience is needed . Desired Candidate Profile 1. Relevant experience of 12+ yrs in Banks/NBFCs handling the credit appraisals and approval of small to mid size loans to trade and to business enterprises 2. CA/MBA full time 3. Candidate experience in a NBFC/Bank current or past or a banking organisation is essential. 4. Must be strong in Compliance and have an understanding of the Regulatory framework. 5. Should have hands on exposure in Credit assessment, appraisal, approvals & administration of the policies, Creation of policies, portfolio management/surveillance & credit scoring.

Key Responsibilities: * Identify, onboard, and manage Direct Sales Agents (DSAs) to drive personal loan sales. * Train DSAs on loan products, policies, and sales techniques. * Monitor DSA performance, ensuring lead generation and conversions. * Coordinate with credit and operations teams for smooth processing and TAT adherence. * Achieve assigned sales targets and maintain portfolio quality. * Analyze market trends and competitor activities to drive business growth. Requirements: * Experience: 3-5 years in Personal Loan sales, preferably with DSA management. * Skills: Strong communication, relationship management, and a target-oriented mindset. * Other: Basic computer knowledge.

Key Responsibilities: Achieve loan sales targets across all products. Recruit and manage channel partners (DSA) Ensure high-quality sourcing and documentation. Maintain customer relationships and service standards. Ensure compliance with credit and regulatory norms. Requirements: Graduate with 38 years of loan sales experience. Strong knowledge of EDIL, LAP, PL, and BL products. Proven leadership and team management skills. Good communication and market networking abilities.

Job Title : AVP- Credit & Risk Product: Personal Loans Department: Credit & Risk Location: Pune Job Summary: Overseeing the full credit management process especially in Unsecured Retail Lending, including underwriting, disbursal, and customer management, with a focus on portfolio analysis and continuous quality monitoring. Enhancing and refining the current credit underwriting framework. Conducting thorough loan opportunity analysis and providing regular feedback to Risk and Analytics teams to improve selection criteria and set appropriate limits. Will be accountable for managing and optimizing the credit portfolio. This includes overseeing the credit underwriting process, pricing models, and ensuring that all credit activities meet the companys standards and business objectives. Offering strategic insights to enhance customer acquisition strategies, credit-related initiatives, and process improvements. Contributing to the integration of industry best practices and periodically revising credit risk policies and guidelines. Preparing and delivering monthly review presentations to Management, offering clear perspectives on business performance and anticipated challenges. Actively engaging in internal projects designed to improve credit process efficiency and effectiveness, supporting the achievement of key strategic objectives. Collaborating with verification and fraud prevention agencies to support informed decision-making. The candidate will report directly to the Head of Credit & Risk and will manage a team of underwriters.

Role & responsibilities 1. Sourcing through DSA and team. 2. Achieving monthly targets. 3. Field sales.

Role & responsibilities 1. Sourcing from DSA and team. 2. Field sales. 3. Achieving monthly targets.

Greetings..!!! Please find out the JD for your reference Role: Regional Sales Manager Product-Unsecured business loan

Key Responsibilities: Team Management: Lead, train, and supervise a team of collection executives or agents. Set monthly targets and monitor team performance. Ensure adherence to quality standards and call scripts. Collection Strategy: Develop and implement effective recovery strategies for personal loan accounts. Segment delinquent accounts (30+, 60+, 90+ DPD) and design focused action plans. Coordinate with legal teams for escalated cases (e.g., settlements, litigation). Portfolio Management: Monitor overdue accounts, track collection metrics, and reduce NPAs. Review MIS reports and identify trends, root causes, and opportunities for improvement. Collaborate with credit and risk teams to refine underwriting and approval processes. Customer Interaction: Resolve customer disputes and grievances tactfully and within regulatory frameworks. Ensure collection efforts are empathetic, ethical, and customer-friendly. Compliance & Reporting: Ensure adherence to RBI guidelines and company policies. Maintain documentation of interactions, recovery efforts, and settlements. Submit regular reports to senior management on collection progress and challenges. Qualifications: Education: Bachelor's degree (required); MBA or relevant certification (preferred) Experience: 58 years in retail finance collections, preferably in personal loans Skills: Strong leadership and interpersonal skills Analytical and decision-making ability Knowledge of local laws and recovery procedures Proficiency in MS Office and collection software/CRM tools Key Performance Indicators (KPIs): Reduction in DPD/Delinquency ratios Recovery rate and resolution efficiency Number of accounts settled/closed Team productivity and target achievement Compliance and audit scorecards

CHIEF RESPONSIBILITIES Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Follow up with seniors for credit / transaction approvals. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Respond on the Hindsight and Internal audit observations. Conduct monthly Regional Council Meetings with all the stakeholders. Strategic Managerial Responsibilities: Discussion of observations with Seniors ZCH/ National Credit Manager and Chief Credit Officer • Assessment of Credit Proposal / Case for his respective location / region • Presentation of key observations to Senior Management on periodic basis • Managing a team & drive the results/ goals set for self & Team. Core Responsibilities: Assessment of Credit proposal, Review cases as per credit Policy Parameters, Documentation check, analysis of observations for necessary correction in credit appraisal • Preparing CAM / Report which highlights the quality of information, which helps the decisioning of cases are senior level. • Monitoring of delinquency, exceptions, portfolio movement. • Maintaining data as required by the Senior Management People Management: Active participation in process re-engineering related to product / process • Collaborate with business, OSD & Policy team for any change in the process/policy. • Self-driven, goal oriented & dynamic in nature.

2-4 years experience as a PL/SQL Developer or similar role. Strong knowledge of Oracle database and PL/SQL programming. Experience with tools like Oracle SQL Developer, TOAD, etc. Good analytical and problem-solving skills.

Key Responsibilities: Agency Oversight: Manage relationships with external collection agencies, ensuring they adhere to agreed-upon terms and performance standards. Strategy Development: Formulate and implement collection strategies to improve recovery rates and reduce delinquency.careers.smbcgroup.com+2Naukri+2SHRM+2 Performance Monitoring: Regularly assess agency performance through metrics and reports, providing feedback and guidance as necessary. Compliance Assurance: Ensure all collection activities comply with legal regulations and company policies, maintaining ethical standards in all interactions.smfg.co.jp+3SHRM+3SMFG India Credit+3 Reporting: Prepare detailed reports on collection activities, recovery rates, and agency performance for senior management review.

Job Title: Sales Manager Position Overview: The Sales Manager will be responsible for managing and growing the sales pipeline, leading a team of DSA OR DST, and ensuring the successful achievement of sales targets related to business loan products. This individual will be a results-driven, dynamic, and strategic leader with a strong understanding of loan products, DSA operations, and sales processes. Key Responsibilities: Lead, train, and manage a team of DSAs And DST to achieve sales targets. Develop sales strategies and expand business through DSAs. Monitor team performance and provide coaching for improvement. Recruit and onboard new DSA / DST Build relationships with existing clients and DSAs to foster loyalty. Report on sales performance and make recommendations for growth. Ensure timely loan processing and customer satisfaction. Qualifications: Minimum 2 years of sales experience, with a focus on Personal Loan or similar products. Proven experience managing DSA And DST. Strong knowledge of loan products and sales processes. Preferred candidate profile Sales Manager with Business Loans Experience. Or Any Product with DSA or DST experience

Job Title: Sales Manager Position Overview: The Sales Manager will be responsible for managing and growing the sales pipeline, leading a team of DSAs, and ensuring the successful achievement of sales targets related to personal loan products. This individual will be a results-driven, dynamic, and strategic leader with a strong understanding of loan products, DSA operations, and sales processes. Key Responsibilities: Lead, train, and manage a team of DSAs to achieve sales targets. Develop sales strategies and expand business through DSAs. Monitor team performance and provide coaching for improvement. Recruit and onboard new DSAs. Build relationships with existing clients and DSAs to foster loyalty. Report on sales performance and make recommendations for growth. Ensure timely loan processing and customer satisfaction. Qualifications: Minimum 2 years of sales experience, with a focus on Business Loan or similar products. Proven experience managing DSAs. Strong knowledge of loan products and sales processes. Preferred candidate profile Sales Manager with Personal Loans Experience. Or Any Product with DSA experience

Due Diligence in credit analysis, customer application screening, evaluation, underwriting and sanctioning of loan. Responsible for the continued enhancement and execution of consumer credit risk strategy. Enhance the risk management capabilities in the automotive finance business by managing the consumer credit asset portfolio, manage various risks, implement effective mechanisms to mitigate them and frame guidelines for fraud detection & control as per regulatory requirements and leading industry practices. Manage credit buying process which monitors turnarounds, approvals, review of samples, Quality checks on process. Assist in Predictive Portfolio Performance Design and Implementation including development of analytic frame work, performance trigger and predictive forecasting triggers in portfolio management. Conduct quantitative validations, understanding & management of Credit Risk, Pricing and Risk measurements

Role & responsibilities Formulation & implementation of credit policy framework for Personal loan product within regulatory guidance & risk appetite of the bank. Tracking portfolio triggers, risk appetite level, NPA/write off trends, quality of static asset pool. Identify good/ bad segments, establish credit monitoring mechanisms to track the performance of the credit portfolio and proactively identify potential areas of concern. Ensuring adherence to credit Policy and guidance/ clarifications on policy parameters to stakeholders. Ensuring process & underwriting efficiencies through tech initiatives/digitalization. Ensure adherence to internal systems, controls & processes to ensure efficiency, risk management, operational risk management and compliance. Peer interaction and stakeholder engagement across locations product innovation through localized & segment specific norms, gather intelligence on competition products and processes and market landscape and utilize the same to enhance the credit policy framework and risk mitigation strategies. Support system changes to improve quality of data and ease of processes. Periodical health councils, management reviews, stakeholder reviews, monthly risk update/risk newsletters, stakeholder reviews. Ensuring adherence to Internal audit/RCSA/regulatory/compliance observations for process/policy improvement. Preparation of monthly newsletters and MIS and Present portfolio to senior management on a periodical basis Preferred candidate profile Perks and benefits

Job Role: Relationship management with aggregators across different levels from top management to middle management Strategize, manage and drive online aggregator partnerships for month on month target achievement Identifying and acquiring potential new aggregators Manage Direct Sales Team, Credit underwriters and call center - across different functions on a daily basis to meet the business goals & improve data point to disbursal funnel conversion To conceptualize and execute contests to motivate the partners Plan annual engagement calendars with aggregators aligned with business priorities Sales Planning and Day to day Operations for the Aggregator Platforms. Liaison with other internal cross functional stakeholders like Marketing, IT, digital/ BSG, to drive agreed initiatives to build scale Work with partners to design and execute joint PA/PQ programs resulting in 3X growth Job Requirements Qualification - Graduate from a recognized University - with 3 to 8 years of experience of handling web aggregator business. preferably in banking or insurance. Job KnowledgeUnderstanding of personal loans will be an added advantage; Skills & Experience– Quick learner ; Excellent written and oral communication,

Job Description- Cluster Sales Manager Sales & Profitability To drive Business Loan (un secured) business through DSA & DST Open Market. To develop sales growth strategy, target market identification, mapping company's offerings to market needs in a fast-paced environment To do sales budgeting. i.e. Based on the business target Decide on Manpower required & its salary costing, Incentive structure & Targets To develop and execute business plans for achieving the targets of the BL Business Development To create and drive alternate channels for Sales along with the regular channels To open up avenues for business through corporate channel To Scan the National market and its competitive offerings on a periodic basis; report on emerging trends and business opportunities for the consumer business. Should give a quarterly update on various Salaried Personal Loan products in the markets offered by competitors Business Development initiatives To understand the market dynamics and accordingly suggest Credit & product team in devising competitive pricing structure periodically