12 Secured Loans Jobs

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to soni.jaswal@kotak.com

About Credit Saison: Established in 2019, Credit Saison India is one of the country's fastest-growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India's huge gap for credit, especially with underserved and underpenetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI) and holding an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings, Credit Saison India currently operates through a branch network of 45 physical offices, servicing 1.2 million active loans, managing an AUM of over US$1.5B, and employing about 1,000 individuals. Part of Saison International, a global financial company dedicated to bringing people, partners, and technology together to create resilient and innovative financial solutions for positive impact, Credit Saison India is aligned with a mission to be a transformative partner in creating opportunities and enabling the dreams of people. With over 1,000 employees working across Saisons global operations in Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil. Key Responsibilities: - Creating and managing dashboards and templates for portfolio review. - Monitoring portfolio performance against defined thresholds and benchmarks. - Defining and tracking Early Warning Signals (EWS) for timely preventive measures. - Benchmarking against industry and peers. - ECL budgeting and tracking actual performance against the budget. - Tracking macro indicators and their impact on the company. - Loss projections based on recent performance updates. - Stress testing analysis. - Reporting for senior management and board/committees. - Adhoc risk analysis as required. - Liaison with different teams and stakeholders to understand, coordinate, and communicate the outputs from portfolio risk analysis. Knowledge and Experience: - Significant prior experience in portfolio risk management in the lending business. - Experience in market risk and liquidity risk. - 8+ years of total experience with Indian NBFC experience preferred. - Understanding of financial sector/lending business risk metrics (PAR, DPD, AUM, vintage, Loss curves, roll rates). - Wide range of products experience including Retail and MSME loans, Secured and unsecured loans, partnerships, structured finance products, etc. - Risk and financial reporting, and MIS production experience. - Experience working at NBFCs or banks or consulting to Banks and NBFCs. Key Competencies/Behaviours: - Interpersonal and influencing skills, including strong oral and written communication. - Strong work ethic. - Ability to solve problems in creative, practical ways. - Ability to build relationships with stakeholders at all levels of seniority, liaising between various teams across disciplines. - High personal standards regarding the quality of your work. - The ability to work seamlessly as part of a wider team, furthering common goals and working within demanding deadlines. Qualifications Required for the Role: - Master's degree in a relevant quantitative/risk/finance discipline. - CA/CFA or other professional financial qualification. - Highly proficient user of Microsoft Excel, including data analysis tools. - Prior exposure to Tableau would be beneficial.,

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to soni.jaswal@kotak.com

As a Credit Assessment Specialist, you will be responsible for conducting a thorough and comprehensive credit assessment process to determine the most suitable loan products for customers seeking loans against property. Your main objective will be to ensure that the credit assessment is completed within the defined turn-around-time (TAT) while focusing on delivering exceptional service and transaction experience to customers. In this role, you will need to consider key market nuances during the credit underwriting process and strive to capture all relevant opportunities. It will be important to maintain a high-quality portfolio by managing the complete life-cycle of the loan process, from credit application to disbursement. You will also be required to stay informed about market factors, indices, policies, and regulations that may impact the credit portfolio and decision-making. Additionally, you will be responsible for ensuring proper management of post-disbursement documents and covenants. Collaboration with internal teams such as legal, technical valuation, field investigation, and risk containment teams will be essential to streamline the credit assessment process. The ideal candidate for this role should preferably have a Post Graduate degree with 5-8 years of relevant work experience. Prior experience in channel management for Loan Against Property (LAP), Home Loans (HL), and Secured Loans will be advantageous. If you are a detail-oriented professional with a strong background in credit assessment and a focus on customer service, we encourage you to apply for this challenging and rewarding opportunity.,

Sell Loan against Property (LAP) products for the organization. Plan & execute the LAP strategy for the month/ quarter to ensure regional goals are over achieved. Identifying potential channel partners based on agreed profiles. Required Candidate profile Must have customer centricity/create a culture of customer satisfaction across all levels within the team. Maintaining database/MIS & reporting on a regular basis. Cross sell of Insurance/products.

Role & responsibilities : .Manage and service existing portfolio of WC clients including renewal and enhancement of limits • Build strong and effective relationship with Promoters and build client trust and confidence • Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. • Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDDs. • Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. • Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. • Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. • Ensure minimum delinquency and work towards exit of clients identified in EWS. • Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. • Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. • Drive cross sell products including WC limits and book penetration in allocated set of clients. • Generate leads from existing customers and on-board new customers basis existing relationship management. *Maintain CASA book and generate float income by opening all group accounts. Preferred candidate profile : Experience: 2 plus years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc Interested candidates please share resumes to kashish.tambe@kotak.com

Role Title: Circle Business Head (Lap) - Karnataka Grade: Vice President / Senior Vice President Key Responsibilities: Business & P&L Ownership: Deliver AOP, P&L, ROA, and ROE; drive growth in secured lending; maximize revenue via cross-sell and renewals. Network Expansion: Scale 25+ branches; identify locations, manage leases, and ensure strong direct sourcing through local events. Team Leadership: Lead 75100 FTEs; build and mentor a high-performance team with strong ownership and customer focus. Risk & Compliance: Ensure full regulatory compliance; manage cost, quality, risk, and operational excellence. Market Intelligence: Build local partnerships; use insights to shape strategy, manage risks, and spot new opportunities. Ideal Candidate: Experience: 14–18 years in banking/NBFCs with P&L and multi-location leadership Domain: Secured lending sales + collections in MSME/B2C/B2B Attributes: Entrepreneurial, high integrity, execution-focused, strong communicator Mobility: Willing to travel extensively within the circle

Roles and Responsibilities Manage a team of sales professionals to achieve business targets through effective lead generation, customer acquisition, and relationship management. Develop and implement strategies to increase market share in the assigned region (Punjab & Haryana). Ensure timely disbursement of funds to borrowers while maintaining high levels of customer satisfaction. Monitor portfolio performance regularly to identify areas for improvement. Identify new business opportunities by networking with potential customers, building relationships, and negotiating deals.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Job Description The incumbent will be responsible to sell the product by establishing contact and building relationships with prospects Roles & Responsibilities**Specific Responsibilities** Understanding of the Educational Dynamics of the market and the area. Understanding of the Channel network and Industrial Areas of the market. Sell product by establishing contact and building relationships with prospects; recommending solutions. Develop good relationship with customers through personal contact or meetings or via telephone etc. Follow up after sanctioning on regular receipts of payment Display efficiency in gathering market and customer info to enable negotiations Eligibility - At least 4-5 years of relevant experience (Sales) in any kind of service or sale of product to Education Institutions/ Loan against Property Existing relationships with educational institution could be additional advantage. Knowledge of Lending Business especially LAP & Education Institution Loan could be additional advantage. Min Qualification required is Graduation Experience in LAP loans and Educational Institution loans **Technical Skills required:** Good interpersonal skills, good negotiators and mediators. Relationship Management Good Energy Level Motivation for Sales Basic Knowledge of computer applications Local Language knowledge is must.

Retail Business Banking Mortgage Products will be responsible for driving the sales and distribution of mortgage products through both channel partners (e.g., connectors, agents, distributors) and direct customer interactions. The role involves managing a team, optimizing sales performance to achieve revenue targets and market penetration