198 Retail Lending Jobs - Page 8

LT009813-NPC1 RL - Retail Assets: Sales Manager CE - Integrated INTERNAL USAGE No. of Vacancies 1 Reports to Area Sales Manager Integrated Is a Team leader? YES Team Size Off Role Relationship Officer Grade Assistant Manager / Deputy Manager / Manager / Senior Manager Business RL - Wheels Department Wheels Sub - Department CV and CE Location PAN India Locations About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank. In Wheels vertical Auto Loans (New/ Used Car loans), Commercial Vehicle Loans, Construction Equipment Loans, Two Wheeler Loans and SCF & WCF Loans to offered to an array of customers to meet their personal or business needs About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to effectively manage a team (the field force) to get customers, service and retain them for the bank and explore new business opportunities. Sales Managers manages off rolls- Relationship officers mapped responsible for selling loan products to the customers based on their needs. They monitor their team performance and motivate them to achieve the targets on weekly, monthly and quarterly basis. Key Responsibilities Manage the Off role Relationship Officers to achieve the sales targets across products (Integrated) across the various assigned channels Review the business productivity Product Wise Target v/s Achievement Analysis of team. Establish sales objectives by creating a sales plan and target for all areas in lines with the assigned business objectives and targets Strengthening and building relationship with dealer principal and manager To keep updating on present available finance schemes and to suggest any new schemes as per the geography, product, customer profile and competition Responsible for leading, guiding and supporting teams of specific regions and getting results as per the set targets and objectives Desired Qualifications Optimal qualification for success on the job is: Graduation / Post graduation with commercial vehicle loans work experience Field related experience (from reputed Bank/ NBFC) Team handling experience (team of 5 alteast) Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge o Experience of handling Sales Function in Retail Lending vertical would be preferred Abilities o Knowledge of industry, technology, marketing, and product trends o Knowledge of regulatory guidelines and norms o Ability to conduct research and data driven insights o Ability to manage complex client situations o Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment o Ability to handle pressure and meet deadlines o Ability to coach and mentor others o Demonstrate exceptional leadership skills, portraying an ability to move and inspire a large sales group in a unified direction and vision

LT009813-NPC1 RL - Retail Assets: Sales Manager CE - Integrated INTERNAL USAGE No. of Vacancies 1 Reports to Area Sales Manager Integrated Is a Team leader? YES Team Size Off Role Relationship Officer Grade Assistant Manager / Deputy Manager / Manager / Senior Manager Business RL - Wheels Department Wheels Sub - Department CV and CE Location PAN India Locations About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank. In Wheels vertical Auto Loans (New/ Used Car loans), Commercial Vehicle Loans, Construction Equipment Loans, Two Wheeler Loans and SCF & WCF Loans to offered to an array of customers to meet their personal or business needs About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to effectively manage a team (the field force) to get customers, service and retain them for the bank and explore new business opportunities. Sales Managers manages off rolls- Relationship officers mapped responsible for selling loan products to the customers based on their needs. They monitor their team performance and motivate them to achieve the targets on weekly, monthly and quarterly basis. Key Responsibilities Manage the Off role Relationship Officers to achieve the sales targets across products (Integrated) across the various assigned channels Review the business productivity Product Wise Target v/s Achievement Analysis of team. Establish sales objectives by creating a sales plan and target for all areas in lines with the assigned business objectives and targets Strengthening and building relationship with dealer principal and manager To keep updating on present available finance schemes and to suggest any new schemes as per the geography, product, customer profile and competition Responsible for leading, guiding and supporting teams of specific regions and getting results as per the set targets and objectives Desired Qualifications Optimal qualification for success on the job is: Graduation / Post graduation with commercial vehicle loans work experience Field related experience (from reputed Bank/ NBFC) Team handling experience (team of 5 alteast) Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge o Experience of handling Sales Function in Retail Lending vertical would be preferred Abilities o Knowledge of industry, technology, marketing, and product trends o Knowledge of regulatory guidelines and norms o Ability to conduct research and data driven insights o Ability to manage complex client situations o Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment o Ability to handle pressure and meet deadlines o Ability to coach and mentor others o Demonstrate exceptional leadership skills, portraying an ability to move and inspire a large sales group in a unified direction and vision

aAbout Retail Lending The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role The Area Sales Manager leads a network of sales managers and is responsible for business expansion and growth of the lending book of the area so as to achieve the topline and profitability goals. The ASM coordinates with the sales managers to ensure that they are able to respond proactively to the business issues and challenges by providing them with the required guidance and support. The ASM is also responsible for meeting the clients and helping the sales managers to resolve the queries and for maintaining regulatory and procedural compliance Key Responsibilities Manage the Sales Managers and achieve the sales targets across products and channels Conduct sales team meetings and set targets with individual SM to ensure tight control on sales process Manage relations with attached bank branches, ARMs and Direct Selling Agent (DSA) network in the location Handle negotiations with the DSAs and arrange meetings between the DSAs and Regional Sales Managers (RSM) Develop new DSA tie-ups and support Sales Managers for similar initiatives Plan/design sales programs, contests and presentations at Local level Responsible for launching new products in the marketplace Manage client relationship through all phases of the sales cycle Develop sales strategies to improve market share in all product lines and identify new business development opportunities Identify training needs by analyzing changing market trends, channel deployment etc. and give suitable feedback suggestions to the RSM Ensure highest levels of employee relationship, satisfaction, motivation and engagement are maintained to drive results Coordinate with the Operations & Risk teams to understand and contribute to overall processes & profitability across locations Qualifications Optimal qualification for success on the job is: Graduation/ Post-Graduation from a recognized institute Role Proficiencies For successful execution of the job, the candidate should possess the following: Knowledge of industry, technology, marketing, and product trends Knowledge of regulatory guidelines and norms Good communication (both verbal and written) skill in both English and the local language Ability to manage complex client situations Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment Ability to handle pressure and meet deadlines Ability to coach and mentor others

LT009813-NPC1 RL - Retail Assets:Area Sales Manager - CV - Retail INTERNAL USAGE No. of Vacancies 1 Reports to Regional Sales Manager- CV Retail Is a Team leader? YES Team Size 5 to 8 Sales Managers Grade Manager/ Senior Manager grade Business RL - Wheels Department Wheels Sub - Department CVCE Location PAN India Locations About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank. In Wheels vertical Auto Loans (New/ Used Car loans), Commercial Vehicle Loans, Construction Equipment Loans, Two Wheeler Loans and SCF & WCF Loans to offered to an array of customers to meet their personal or business needs About the Role Area Sales Managers (ASM) are a part of the Banks sales force whose primary responsibility is to effectively manage a team (the field force) to get customers, service and retain them for the bank and explore new business opportunities. Area Sales Managers manage a team of Sales Managers (who in turn have off rolls- Relationship officers mapped) responsible for selling loan products to the customers based on their needs. They monitor their team performance and motivate them to achieve the targets on weekly, monthly and quarterly basis. Key Responsibilities Manage the Sales Managers and relationship officers to achieve the sales targets across products (Commercial Vehicles Retail ) across the various assigned channels Review the business productivity Product Wise Target v/s Achievement Analysis of team. Establish sales objectives by creating a sales plan and target for all areas in lines with the assigned business objectives and targets Strengthening and building relationship with dealer principal and manager To keep updating on present available finance schemes and to suggest any new schemes as per the geography, product, customer profile and competition Responsible for leading, guiding and supporting teams of specific regions and getting results as per the set targets and objectives Desired Qualifications Optimal qualification for success on the job is: Graduation / Post graduation with commercial vehicle loans work experience Field related experience (from reputed Bank/ NBFC) Team handling experience ( team of 5 alteast) Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge o Experience of handling Sales Function in Retail Lending vertical would be preferred Abilities o Knowledge of industry, technology, marketing, and product trends o Knowledge of regulatory guidelines and norms o Ability to conduct research and data driven insights o Ability to manage complex client situations o Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment o Ability to handle pressure and meet deadlines o Ability to coach and mentor others o Demonstrate exceptional leadership skills, portraying an ability to move and inspire a large sales group in a unified direction and vision

RL - Wheels - Area Sales Manager - CVCE - Branch About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank. In Wheels vertical - Auto Loans (New/ Used Car loans), Commercial Vehicle Loans, Construction Equipment Loans, Two Wheeler Loans and SCF & WCF Loans to offered to an array of customers to meet their personal or business needs About the Role Area Sales Managers (ASM) are a part of the Banks sales force whose primary responsibility is to effectively manage a team (the field force) to get customers, service and retain them for the bank and explore new business opportunities. Area Sales Managers manage a team of Sales Managers (who in turn have off rolls- Relationship officers mapped) responsible for selling loan products to the customers based on their needs. They monitor their team performance and motivate them to achieve the targets on weekly, monthly and quarterly basis. Key Responsibilities Manage the Sales Managers and relationship officers to achieve the sales targets across products) Build and nurture relationships with the bank branches and by cross-selling other products Review the business productivity - Product Wise Target v/s Achievement Analysis of team. Establish sales objectives by creating a sales plan and target for all areas in lines with the assigned business objectives and targets Strengthening and building relationship with dealer principal and manager To keep updating on present available finance schemes and to suggest any new schemes as per the geography, product, customer profile and competition Responsible for leading, guiding and supporting teams of specific regions and getting results as per the set targets and objectives Desired Qualifications Optimal qualification for success on the job is: Graduation / Post graduation with commercial vehicle loans work experience Field related experience (from reputed Bank/ NBFC) Team handling experience ( team of 5 alteast) Role Proficiencies: For successful execution of the job, a candidate must possess the following: Knowledge o Experience of handling Sales Function in Retail Lending vertical would be preferred Abilities o Knowledge of industry, technology, marketing, and product trends o Knowledge of regulatory guidelines and norms o Ability to conduct research and data driven insights o Ability to manage complex client situations o Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment o Ability to handle pressure and meet deadlines o Ability to coach and mentor others o Demonstrate exceptional leadership skills, portraying an ability to move and inspire a large sales group in a unified direction and vision

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

RL - Wheels:Sales Manager - Auto Loan - Hybrid INTERNAL USAGE No. of Vacancies 1 Reports to ASM - Hybrid Is a Team leader? Yes Team Size 2 -3 Grade AM, DM, M Business Retail Lending Department Wheels Sub - Department Wheels Location Mumbai About The Retail Lending department focuses on the lending business of the bank by offering various loan products like Home Loans, Car Loans, and Personal Loans among others. They also offer working capital loans and Business loans for Small Businesses and is also responsible for the Rural lending business of the bank About the Role Sales Managers (SM) are a part of the Banks sales force whose primary responsibility is to get customers for the bank and explore new business opportunities. SMs manage a team of executives responsible for selling loan products to the customers based on their needs. They will ensure mapping of market and customers according to their need and handle queries to ensure customer satisfaction Key Responsibilities Ensure achievement of the Top line Business Targets by sourcing business through channel teams. Building and nurturing relationships with the bank branches and by cross-selling other products Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity Desired Qualifications Optimal qualification for success on the job is: Graduation and Post-graduation in management from a recognized institute 20 years+ of related experience Role Proficiencies For successful execution of the job, a candidate must possess the following: Knowledge Abilities

Position : Consultant Retail operation Location : Chennai ( Prefer only chennai based profiles ) Role Overview You will serve as a bridge between risk, credit, product, legal, IT, analytics, finance, and vendor teamsensuring smooth delivery of retail credit or co-lending products. Your work will be pivotal to processing, servicing, accounting, reporting, and customertransactions while maintaining robust operational controls and stakeholder coordination. Core Responsibilities Design, review, and optimize operational workflows for co-lending and retail partnerships. Manage end-to-end credit workflows and ensure seamless partner onboarding including UAT of credit filters. Coordinate with legal teams and partners to draft, finalize, and execute loan documentation (e.g., sanction letters, agreements) and escrow arrangements. Liaise with internal departmentsBusiness, Product, Credit, IT, Analytics, and Financeto align operations and resolve exceptions. Collaborate with third-party vendors and originators for flawless co-lending execution, manage disbursal schedules, and meet TATs. Conduct operational assessment, CTQ/CTP monitoring, internal audits, risk tracking, and continuous improvement. Support business continuity planning and policy/SOP refinement. Prepare operations/management reports and maintain high accuracy in documentation and archival. Desired Qualifications & Experience 36 years (Consultant level) of experience in consulting, fintech, NBFCs, banks—especially in retail/co-lending/backoffice roles. Strong process orientation with a keen eye for detail. Solid understanding of financial products: retail loans, supply chain finance, co-lending models. Familiarity with P&L, ratio analysis, balance sheet interpretation, revolving credit lines. Comfortable liaising with legal and tech teams, and managing multi-stakeholder coordination. Proficiency in MS Office, loan management systems (LMS), and general system UAT. Soft Skills & Culture Fit Excellent stakeholder communication, with high emotional intelligence. Strong analytical, organizational, and planning capabilities. Commercial awareness with ability to connect operations to P&L and risk frameworks. Collaborative mindset aligned with Vivriti’s agile, founder-led, fast-paced culture. Must Have : Experience in NBFCs, banks, fintechs, or microfinance—specifically in retail lending, trade finance, supply chain financing, colending, or loan ops. Kindly share your profile to my official id [ kanimozhi.p@kiya.ai ] with the subject name "Consultant Retail operation_0 to 1 years"

BAwithDomain Investment Banking/Capital Markets,Front-to-Back Financial Derivative Products prior exp. of working in the derivative products ex. Equity /FX/Interest Rate Commodities,Credit derivatives,Securities,Structured Notes wid Trade life cycle Required Candidate profile Familiarity with data aspects of trade capture systems and associated trade event processing,Knowledge of Trade confirmation workflows and understanding for use of XML/XSD.

Understand the functionality of end to end application in Finacle LMS and CBSAnticipates needs with solution mind set to deliver value to customize solution Perform User acceptance testing (UAT) for system functionality (new / enhanced/existing) related to Product, module, system change Should have (preferably) good working knowledge of Finacle and FinnOne systemDevelop testing scenarios and final production deployment on systems Should have good knowledge of Retail lending products like Home loan, Personal loan, Loan against property, tractor loans, education loan, CV, CE etc Raise JIRA, Unidesk tickets / send mail for Bugs, UAT issues and follow up till resolutionProvide daily/weekly report for Testing progress, issue resolution status

Understand the functionality of end to end application in Finacle LMS and CBSAnticipates needs with solution mind set to deliver value to customize solution Perform User acceptance testing (UAT) for system functionality (new / enhanced/existing) related to Product, module, system change Should have (preferably) good working knowledge of Finacle and FinnOne systemDevelop testing scenarios and final production deployment on systems Should have good knowledge of Retail lending products like Home loan, Personal loan, Loan against property, tractor loans, education loan, CV, CE etc Raise JIRA, Unidesk tickets / send mail for Bugs, UAT issues and follow up till resolutionProvide daily/weekly report for Testing progress, issue resolution status

Location: Chennai Reports To: CEO Travel: branch visits, regional team audits, training reviews Experience: 3-7 years in HR, with at least 3 years in an NBFC or retail-lending focused financial institution. Role Summary: The Deputy HR Head will drive core HR functions across the NBFCs operational and field teams (collections, credit, sales, recovery), with a sharp focus on recruitment, compliance, performance management, and cultural alignment across Tier 24 geographies. The ideal candidate brings NBFC-specific experience in managing a high-volume, distributed workforce with strong cost controls. Key Responsibilities: Talent Acquisition Manage full-cycle recruitment for field and middle management roles across credit, sales, recovery, collections, and ops. Establish relationships with manpower vendors and internal referral pipelines in semi-urban/rural belts. Monitor hiring SLAs and cost-per-hire for 3W/4W & MSME lending regions. HR Operations & Compliance Oversee employee onboarding, documentation, background verification, and digitized joining. Ensure adherence to labour laws (especially for states with own Shops & Establishments Acts). Monitor compliance on PF, ESIC, gratuity, insurance, minimum wages, and contractor obligations. Performance Management Execute quarterly appraisal processes across departments with data-led moderation. Design and implement incentive plans for sales and collections, closely aligned to portfolio outcomes. Support functional heads with underperformance handling and pip (performance improvement plans). Training & Capability Building Coordinate with L&D to deploy induction, soft-skills, and product training for new joinees. Build regional training calendars with metrics for delivery, participation, and field application. Culture, Engagement & Retention Conduct branch-level employee engagement and exit analysis to improve retention. Establish grievance redressal, POSH training, and anonymous feedback loops. Support cultural integration in new branches/geographies. HR MIS & Audits Maintain real-time dashboards on headcount, attrition, hiring TAT, etc. Handle HR-related audits and support documentation for investor/board review. Ideal Candidate Profile: Functional Exposure: Must have handled field recruitment, payroll, audits, and HR operations at scale. Team Management: Led a multi-location HR team; strong coordination with business and compliance. Tools: Familiar with HRMS (Zoho, Darwin box, GreytHR, or SAP), biometric attendance, and payroll software. Mindset: Strong executor with empathy and cost-awareness. Fluent in regional languages is a bonus. Education: MBA in HR / PGDHRM from Tier 2 institutes or above. Success Metrics: Headcount fulfilment % (vs. plan) Attrition rate (field+ HO) HR compliance audit score Employee satisfaction (pulse surveys) HR TAT (offer to joining, exit closures, grievance response) Interested Candidates can Share there resume at hr@dugar.co.in or WhatsApp it to 9092807676 Komal Agarwal - HR Officer

Role & responsibilities Responsible for establishing the brand and managing the sales and business development activities Responsible for overall sales and cross sell targets through building and development of internal team and external channels (DSA, micro - connectors, micro campaigns and centralised leads) and also maintain adherence to customer satisfaction and profitability metrics Monitor the leads and check for the quality of sourcing and ensure quick conversion of prospects as per the targets set Implement and engage in branch promotion activities for establishing the brand and increasing market coverage. The incumbent is required to have a good knowledge and understanding of the product market Responsible for customer management including all the customer related queries, issues, grievances and focus on resolving them at the earliest along with other cross functional teams in the branch Ensure that all customer documentation is maintained in the prescribed format and transfer of documents is done safely and seamlessly Provide market feedback on product offerings, channels & processes to senior levels to improve the same Deploy and ensure adherence by team to effective controls and processes to ensure risks are measured, monitored and controlled on an on-going basis Collaborate and provide requisite data for risk management and internal audit processes Responsible for knowing and complying with all the legal requirements as per the law of the land Support collections team in assessing delinquency Ability to hire and build team and provide support to HR in hiring process Responsible for empanelment, activation, training and development of external channel partners (connectors, DSAs) and release of channel payments on time Ensure DST and channel partners (connector, DSA) development through right training initiatives Model and foster behaviours that support the organizations values and culture creating an atmosphere of trust, cooperation, accountability and dedication to the organization Monitor individual, team and DSA performance and take steps to improve productivity and correct aberrations . Ensuring that the engagement and motivation levels are high in the team. Willingness to adapt to digital tools and processes Preferred candidate profile 5-10 years of experience in sales preferably in HFC or in NBFC Ability to liaison & follow-up with external and internal stakeholders Experience of recruiting sales team and channel partners Good written & verbal communication skills Ability to work under tight deadlines Knowledge and understanding of the market Knowledge of compliance regulations as issued by NHB, RBI etc.

Manage and enrich Franchise customer data of 72 Cr to enable creation and generation of Pre-Approved offers, improve Approval rates by enriching data through verified sources and enable instant disbursals by continuously improving fill rates of verified information to help scale volumes in 3in1 App. Responsible for identifying data requirements and evaluating quality of data sourced through external vendors. This capability will help build scale on 3in1 App of the Company and targets to improve Market share of the Company by 10% from current levels at the same portfolio risk levels Data Quality - New Data Enrichment Management o Data Standardization Data Quality o Data Enrichment of Franchise base basis internal External Sources o Responsible for end-to-end Data Quality Data Enrichment, Validation Verification for variables o Prepare BRD and User Story for development of Internal Data Storage design that enables to maintain every data point received with tagging of Source, time, Verified / Non-Verified data and Confidence level of the same. o Define validation rules and confidence levels for any variable brought into the single repository. o Define logic for flagging of Confidence levels for the data fields to enable end users of the data to use the data as per their confidence flagging. o Data verifications as per Confidence Flagging and insert into enrichment Mart o Governance of New Data element or New Data Source o Responsible for ensuring error rates in Data Quality are maintained within threshold levels o Define SOP and scope of activities for Data Quality management through Manual intervention to be executed through outsourced Credit Ops shop in Bareily o Control checks on data quality management done through Bareily shop o Define validation rules for data fields to ensure that junk data does not enter the repository o Responsible to ensure that the data tables have no data quality issues o Ensure all Existing Prospect records are maintained in a single repository o All other data points related to these records and any data enrichment to be maintained in a single repository o Data Enrichment o Engage with Partnership team in validating the information is meeting the quality standards that have been defined o Will qualify whether data points from a Particular Partner or Source can be used for Enrichment o Will also identify and maintain list of sources, websites which are to be used for Data Enrichment Key Decisions / Dimensions Following decisions are taken by the role: Design of data storage table Addition of new data sources Data quality validations Major Challenges Working with extremely large data sets Co-ordination with multiple stakeholders Clean up of existing data in BAU as we'll as create the new framework of data storage Required Qualifications and Experience a) Qualifications Post-graduation/ MBA with 3+ years experience in retail lending Risk b) Work Experience Minimum 2+ years of experience in SQL/ADB/Python/PySpark/EDW management Experience with large data handling and quantitative analysis Exposure to data analytics tools (Eg. SAS, SQL and Decision Tree) automated BI reports Strong Problem-solving ability and analytical skills

Product Manager Role & responsibilities: - Understanding problem statements and Pain area for the clients - Creating scalable and industry wide acceptable solutions to address customer requirements - Creating Product features to enhance the overall offering and creating a differentiator - Working with Internal teams and creating the Product Roadmap - Publishing Blogs and whitepaper on latest development in the Lending space, Regulations and Technology Innovations - Creating detailed Product documentation for the Features and Business use cases - Ability to cross reference against multiple implementation and find an existing re- usable solution and/or purpose efficient solutions - Project & Task Planning - Built and groom team members for skills, knowledge and exposure - Conduct comprehensive business analysis to identify Impact on the existing implementation and outline problems, opportunities and solutions - Facilitate the design and development of software solutions that align with businessgoals, ensuring consistency with technical requirements. - Lead and support User Acceptance Testing (UAT) processes, ensuring that the delivered solution meets business requirements. Preferred candidate profile: - Extensive Experience in Retail Lending - Deep Knowledge and exposure in Product Solutioning, Automation, Process Re-engineering - Product Documentation Confluence - Agile Processes - Excellent communication both verbal/written - Customer Relationship Management - Technical Knowledge - Basic knowledge on components of Software-Hardware-Network - Integrations knowhow Tools: - Ms Office word/excel/PowerPoint , Google workspace , Jira, Postman, Draw.io , Figma

Key Responsibilities: - Minimum 2 years of experience in Credit underwriting of Unsecured Business loan proposals of high-ticket size upto 30 lacs - Should be having approval authority in current role - Knowledge of local markets and trends in retail lending - Ability to liaison & follow-up with external and internal stakeholders - Understanding of Financials, CIBIL and other checks required to validate customers credibility. - Early joiners would be preferred. Interested candidate may please share your CV on max.dsouza@piramal.com

Reports To: Retail Head The Portfolio Manager - DSA Vertical is responsible for managing and growing a portfolio of Direct Selling Agents who source retail loan products such as home loans and LAP The role focuses on ensuring high-quality sourcing. Required Candidate profile Strong understanding of loan products and DSA sourcing models Relationship management and negotiation skills Analytical skills with experience in portfolio performance tracking.

Product Manager Role & responsibilities: - Understanding problem statements and Pain area for the clients - Creating scalable and industry wide acceptable solutions to address customer requirements - Creating Product features to enhance the overall offering and creating a differentiator - Working with Internal teams and creating the Product Roadmap - Publishing Blogs and whitepaper on latest development in the Lending space, Regulations and Technology Innovations - Creating detailed Product documentation for the Features and Business use cases - Ability to cross reference against multiple implementation and find an existing re- usable solution and/or purpose efficient solutions - Project & Task Planning - Built and groom team members for skills, knowledge and exposure - Conduct comprehensive business analysis to identify Impact on the existing implementation and outline problems, opportunities and solutions - Facilitate the design and development of software solutions that align with businessgoals, ensuring consistency with technical requirements. - Lead and support User Acceptance Testing (UAT) processes, ensuring that the delivered solution meets business requirements. Preferred candidate profile: - Extensive Experience in Retail Lending - Deep Knowledge and exposure in Product Solutioning, Automation, Process Re-engineering - Product Documentation Confluence - Agile Processes - Excellent communication both verbal/written - Customer Relationship Management - Technical Knowledge - Basic knowledge on components of Software-Hardware-Network - Integrations knowhow Tools: - Ms Office word/excel/PowerPoint , Google workspace , Jira, Postman, Draw.io , Figma Apply Save Save Pro Insights

Role Purpose As part of Credit, role responsible to drive Digital initiatives as a subject matter expert (SME). Initiatives include efficiency improvement, automation of credit processes, scorecard, and analytics. Roles and Responsibilities Manage end-to-end project delivery for auto loans, ensuring timely completion within budget and quality standards. Collaborate with cross-functional teams to gather requirements, develop use cases, and create scorecards for automation implementation. Develop digital initiatives for retail assets, including digitization of processes and systems integration. Provide subject matter expertise on auto loans, retail credit, and vehicle finance to drive business growth through innovative solutions. Ensure effective requirement gathering, analysis, design, development, testing, deployment, maintenance of software applications related to auto loans.