Position Title: Credit Underwriting Team (CUT) – EML/SME Loans Location: Corporate Office, Mumbai Department: Credit Underwriting Position Purpose To evaluate, appraise, and underwrite proposals for EML (Equipment/Machinery Loans) and SME loans (including school funding) in line with internal credit policies and risk frameworks, while ensuring portfolio quality and optimal turnaround time. Key Responsibilities Underwriting of EML and SME loans including medical equipment, machinery funding, and school financing. Handle PAN India high-value cases (above ₹2 Cr) for EML, MEF (Medical Equipment Financing), and SFP (School Funding Product). Ensure optimal usage of Loan Origination System (LOS) and Loan Management System (LMS). Maintain credit TAT in line with defined SLAs. Ensure credit underwriting is in compliance with internal policies and risk guidelines. Monitor delinquency and NPA levels to remain within budgeted parameters. Control credit costs as per approved annual budgets. Provide structured feedback to Credit Policy team based on underwriting experience and field insights. Conduct data analysis and publish relevant credit reports. Monitor Post Disbursement Documents (PDDs) and ensure timely collection and tracking. Perform industry analysis to support decision-making and risk assessment. Key Performance Indicators (KPIs) Turnaround Time (TAT) for underwriting Portfolio quality (Delinquency & NPA levels) Quality and depth of credit appraisal Adherence to credit cost budgets Implementation and adherence to processes Experience & Technical Competencies Experience: Minimum 2–3 years in credit underwriting, preferably in SME or EML segment Education: Chartered Accountant (CA) – Mandatory Desired Skills: Strong analytical and financial evaluation skills Good understanding of products, asset types, and sector-specific risk Proficiency in reading and interpreting legal, technical, and valuation reports Effective communication and presentation abilities Positive, pro-business attitude Show more Show less
Designation: Senior Manager Department: Risk Reporting to: Head – Risk Location: Corporate Office, Mumbai Education: CA / MBA – Finance (Full-Time) Experience: 4–6 years of relevant experience, preferably in Credit/Risk Management for Supply Chain Finance (SCF) Key Responsibilities / KRAs Conduct periodic portfolio reviews and present key findings and risk insights to relevant stakeholders. Collaborate with the analytics team to develop and refine risk triggers and early warning indicators. Formulate, review, and update credit policies for SCF based on portfolio trends and risk dynamics. Develop and implement strong Early Warning Systems (EWS) to proactively identify and mitigate risks. Design and maintain underwriting/risk scorecards to support credit decision-making. Monitor stock audits and ensure timely resolution of exceptions. Oversee delinquency management with a focus on minimizing NPAs. Ensure timely Post Disbursement Document (PDD) collection and tracking. Support the development and enhancement of SCF systems and tools. Core Competencies Strong knowledge and understanding of SCF (Supply Chain Finance) products Excellent analytical and problem-solving skills High level of accountability and results orientation Effective communication and presentation skills Strong collaboration and stakeholder management skills Show more Show less
Job Description: Underwriting of SME (Mortgage, LAP, Secured Business loan and Microfinance Institute funding) Make optimal use of the Loan Origination System and Loan Management system Maintain Credit TAT Manage Credit Underwriting as per policy Monitor Delinquency and NPA to budgeted levels for the product Manage Credit Cost as per approved budgets Give feedback to Credit Policy based on experience of underwriting Data Slicing/ Analysis and publishing of the reports PDD monitoring Industry Analysis Team Handling Key Performance Indicators TAT Portfolio Quality Quality of Appraisal Cost Management Implementation of Processes Desired Skill Set: Positive, pro-business attitude Excellent Analytical skills Communication and Presentation skills Product knowledge Ability to understand asset type and its viability Ability to read and understand legal and technical reports and valuations related to properties financed by the company Team handling Personal Attributes Presentation Skills Communication Skills Analytical Skills Experience: Credit Underwriting Experience of minimum 5-6 years Desired Qualification: Chartered Accountant. Show more Show less
Role: ASM MEF - Sales (Machinery Finance) Reporting to: Regional Sales Manager / National Sales Manager Department/ Subdivision: MEF - Sales (Machinery Finance) Experience : 5-7 Yrs. Desired Education: Graduate/Post Graduate Job Description Achieving sales manager productivity and hitting sales targets by successfully managing the given sales team Designing and implementing a strategic sales plan that expands company’s customer base and ensure it’s strong presence Managing recruiting, objectives setting, coaching and performance monitoring of sales managers Build and promote strong, long-lasting customers/ channels relationships by partnering with them and understanding their needs Identify emerging markets and market shifts while being fully aware of new products and competition status Present sales, revenue and expenses reports and realistic forecasts to the management team To keep a close watch on early signs of delinquencies / defaults and proactively work on that Identify machinery dealers and Need to work on tie ups for regular business Understanding on Financials(P&L and B/S) Key Performance Indicators: Sales Volume & SM productivity Product Mix & new market penetration Revenue which includes IRR, Fee & Insurance Adherence to business Processes like FTR & TAT. Infant delinquency External & Internal customer satisfaction *Please share your updated CV at ajit.durgawale@profectuscapital.com Show more Show less
Company Description Profectus Capital Pvt. Ltd. is a start-up Non-Banking Financial Company (NBFC) based in Hyderabad, India. The company aims to financially empower emerging Small and Medium businesses by providing innovative and customized financing solutions. Profectus Capital offers lending solutions for both Manufacturing and Service Sector segments to enhance the lives of customers through ethical and transparent dealings. Role Description This is a full-time on-site role for a Sales Manager at Profectus Capital Pvt. Ltd. The Sales Manager will be responsible for managing and leading the sales team, developing sales strategies, establishing and maintaining customer relationships, and achieving sales targets. The role involves analyzing market trends, identifying new business opportunities, and ensuring customer satisfaction. Qualifications Sales Management, Strategy Development, and Customer Relationship Management skills Business Development and Market Analysis skills Excellent communication and negotiation skills Strong leadership and team management abilities Experience in the financial services industry Bachelor's degree in Business Administration, Finance, or related field Show more Show less
Job Title: Apprenticeship Program - Multiple Positions Available Location: Kurla Employment Type: Apprenticeship Program Overview: We are excited to announce our Apprenticeship Program, offering multiple positions across various departments, including but not limited to: Sales Credit Collection Operation Technical What We Offer: Hands-On Experience: Work alongside industry professionals and gain practical experience in your chosen field. Mentorship: Receive guidance and support from experienced mentors who are committed to your growth. Skill Development: Participate in training sessions and workshops to enhance your skills and knowledge. Networking Opportunities: Connect with professionals and build relationships that can help you in your career. Who We Are Looking For: We are seeking motivated individuals who are eager to learn and grow. Ideal candidates should possess the following: A passion for their chosen field Strong communication and teamwork skills A willingness to take initiative and learn Relevant coursework or experience (preferred but not required) Eligibility: Recent graduates or current students in relevant fields Must be available for the duration of the apprenticeship program How to Apply: Interested candidates can share their resumes at rutika.nikade@profectuscapital.com or ajit.durgawale@profectuscapital.com . Show more Show less
Profectus Capital is on the lookout for talented individuals to fill the role of #BranchSalesManager in various locations across Gujarat and Maharashtra . If you are a young, dynamic, and results-driven professional eager to make an impact in the mortgage loan sector, we want to hear from you! Responsibilities Drive sales growth and achieve business targets through effective sales strategies and relationship building. Develop and maintain strong relationships with existing and new Direct Selling Agents (DSAs). Ensure compliance with regulatory requirements, internal policies, and procedures. Analyze market trends to identify new business opportunities and enhance sales performance. Position Details: #Designation: Branch Sales Manager #Product: Mortgage Loan #Experience: 3+ Years in mortgage sales, preferably with DSA experience #Location: Ahmedabad, Mumbai, Pune, Nagpur #Salary: Competitive, as per industry standards
As an Assistant Sales Manager (ASM) for Machinery Finance (MEF) at our company, you will be reporting to the Regional Sales Manager/National Sales Manager in the MEF Sales department. With a required experience of 5-7 years and a desirable educational background of Graduate/Post Graduate, your role will be crucial in achieving sales manager productivity and meeting sales targets effectively by overseeing the sales team assigned to you. Your responsibilities will include designing and executing a strategic sales plan to expand our customer base and ensure a strong market presence. You will be in charge of recruiting, setting objectives, coaching, and monitoring the performance of sales managers under your supervision. Building and nurturing enduring relationships with customers and channels by understanding their needs and partnering with them will be a key aspect of your role. Being proactive in identifying emerging markets, market shifts, new products, and competition status is essential. You will also be responsible for presenting sales, revenue, and expense reports along with realistic forecasts to the management team. Monitoring early signs of delinquencies/defaults and taking proactive measures, as well as identifying machinery dealers and establishing tie-ups for regular business, are part of your duties. Having a good grasp of Financials including Profit & Loss (P&L) and Balance Sheet (B/S) is crucial for this role. Key Performance Indicators (KPIs) such as Sales Volume, Sales Manager productivity, Product Mix, new market penetration, Revenue (including IRR, Fee & Insurance), adherence to business processes like FTR & TAT, monitoring delinquency rates, and ensuring both external and internal customer satisfaction will be metrics against which your performance will be evaluated. To apply for this role, kindly share your updated CV at ajit.durgawale@profectuscapital.com. Join us in this challenging yet rewarding opportunity to drive sales growth and build lasting relationships in the Machinery Finance sector.,