SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.) is hiring for Group Credit officer & Individual relationship officer for Ognaj Branch We have walk-in drive for Rural Sales & Collection - Group Loan & Individual Loan Candidate should have experience in handling loan sales & collections Experience - 0 to 5 years Age Band - 18 to 35 Years Min. Qualification - 12th Pass. Interview date & Venue: Date: 4th June to 6th June 2025 Time: 9:00 AM to 4:30 PM Ognaj Branch, SMFG India Credit Co Ltd (Fullerton India), First & Second Floor, Thakor Vas, Near Bus Stop, Ognaj - 380 060 Gujarat

SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.) is hiring for Group Credit officer & Individual relationship officer for Kapadvanj Branch We have walk-in drive for Rural Sales & Collection - Group Loan & Individual Loan Candidate should have experience in handling loan sales & collections Experience - 0 to 5 years Age Band - 18 to 35 Years Min. Qualification - 12th Pass. Interview date & Venue: Date: 4th June to 6th June 2025 Time: 9:00 AM to 4:30 PM Kapadvanj Branch SMFG India Credit Co Ltd (Fullerton India) Shop No:67 TO 69 & 83 TO 86 1st Floor, Nandani Plaza Modasa Road , Kapadvanj 387620,Gujarat

Walk-in Drive for Tele-callers Tele-collections at SMFG India Credit SMFG India Credit is hosting a walk-in recruitment drive for the Tele-collections Executive position! We are a leading Non-Banking Financial Company (NBFC) and part of the globally recognized Sumitomo Mitsui Financial Group (SMFG) . If you have experience in collections or recovery processes, this is your opportunity to join a dynamic team. Date: 10 June 2025 Time: 11:00 AM to 5:00 PM Job Location: Gurgaon Interview Venue: Flot No.401, 4th Floor, Tower B, Unitech World-Cyber Park, Sector-39, • Near Unitech World-Cyber Park, 122004 Haryana. Eligibility: Only experienced candidates in collections or recovery processes may apply Age: 31 years & below Education: Any UG / HSC qualification Please attend the interview only if you have relevant experience in collections, recovery processes, and handling financial transactions. Job Responsibilities: Contact customers to recover outstanding dues professionally and efficiently Handle recovery negotiations, settlements, and payment follow-ups Ensure compliance with financial regulations and company policies Maintain accurate records of interactions and payment commitments in CRM Achieve collection targets while maintaining high service standards Next Steps: Walk in with a copy of your updated resume Arrive 10-15 minutes before your scheduled time for a smooth check-in process Join Us! Be part of SMFG India Credit , a trusted financial institution with a strong presence across cities, towns, and villages. If you are passionate about Tele-collections and eager to grow in a dynamic environment, we welcome you to attend the walk-in drive!

Roles And Responsibilities: Possess database of all the dealers of new vehicle and used vehicle. Schedule visits of all dealers. Has a database of potential customers and tracks them. Makes atleast 4 cold call a day. Gathering and building on references. Is constantly monitoring the quality of the portfolio and performance. Has a productive pipeline. Builds and maintains a steady relationship with dealers and customers. Ensure Login to conversion ratio is maintained at 75% Ensure delinquency is within the norms Ensure all PDD is collected and in place. Ensure delivery is spaced out through the month rather than accumulation towards month end. Ensure all the documents are given at the time of login to help risk in taking a decision on the case Pre-screening of documents before login. Presenting cases for rate waivers and following on approvals Ensure rejection percentage is below the threshold Where required provide for re-look of rejected cases Liaises with the risk team to do PD. Does a check on all the documents before putting the OSV seal Tracks competition in terms of rates. proposals and approvals. Constantly upgrades himself on new vehicle launches etc After login is necessary to do TRC and Office CPV. Following up to ensure disbursals of all the cases. Preferred Candidates: Prior experience in CV/CE Sales. Local Market Knowledge. Benefits and Perks: Petrol allowances. Mediclaim Facility. Corporate SIM card.

Job Description Job Title Individual Relationship Officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask performed 1 Sourcing customers: IRO is responsible for meeting with prospects, understanding their needs, generating leads, following up the leads for interested prospects Running required credit checks: IRO is responsible for filling sourcing sheets of interested customers; for collecting required KYC documents; verifying the KYC documents; for conducting cash flow analyses; and for running business and residential CPVs. Collecting repayments on the field: IRO is responsible for the overall portfolio quality - collecting on field repayments; and for managing non-repayment by customers. Participating in marketing and branding events: As necessary. Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Sr. NoOther relevant factors (Required Skills) 1 2 Extremely disciplined and process-oriented Able and willing to spend majority of time in the field ¢ Ability to work with minimal direction (self-starter) ¢ Good interpersonal, relationship management, customer service, and rapport building skills. ¢ Ability to prioritize, multi-task, delegate, and proactively resolve problems ¢ Demonstrated potential to take initiative in building a growing customer base and team 3 4 Expertise required/ Domain Knowledge: ¢ Ability to read and write in regional language; knowledge of basic English a bonus ¢ Prefer individuals who own bikes No. of years of relevant experience: : Freshers may be taken. However experienced candidates will be preferred with exp in collections / products like Personal loans, Two Wheeler loans, Car Loans, Insurance products Any specific specialization/education:: 10th /12th pass minimum; graduates

Job Description Job Title Group collection officer Function / Department Rural Department Head Rural Head Reporting Manager Unit Manager Purpose of the Job: Collecting repayment on the fields Making new customers Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Target vs Achievement on Units & Volume - Delivery in Volume - Collections quality (collected versus demand) - Delinqueny - Disbursal amount - Insurance attachment rate Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc. - Demonstrated potential to take initiative in building a growing customer base and team SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1 2 Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask performed 1 Sourcing customers: IRO is responsible for meeting with prospects, understanding their needs, generating leads, following up the leads for interested prospects Running required credit checks: IRO is responsible for filling sourcing sheets of interested customers; for collecting required KYC documents; verifying the KYC documents; for conducting cash flow analyses; and for running business and residential CPVs. Collecting repayments on the field: IRO is responsible for the overall portfolio quality - collecting on field repayments; and for managing non-repayment by customers. Participating in marketing and branding events: As necessary. Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Sr. NoOther relevant factors (Required Skills) 1 2 Extremely disciplined and process-oriented Able and willing to spend majority of time in the field Ability to work with minimal direction (self-starter) ¢ Good interpersonal, relationship management, customer service, and rapport building skills. ¢ Ability to prioritize, multi-task, delegate, and proactively resolve problems ¢ Demonstrated potential to take initiative in building a growing customer base and team 3 4 Expertise required/ Domain Knowledge: ¢ Ability to read and write in regional language; knowledge of basic English a bonus ¢ Prefer individuals who own bikes No. of years of relevant experience: : Freshers may be taken. However experienced candidates will be preferred with exp in collections / products like Personal loans, Two Wheeler loans, Car Loans, Insurance products Any specific specialization/education:: 10th /12th pass minimum; graduates

Job Description Job Title Managing team of 3-4 SM and 15 IRO for Home Loan Product Purpose of the Job: Contribute to the growth of mortgage business by sourcing new customers majorly by own sourcing and through DST s, complemented by the quality of sourcing reflected in delinquency and run-offs. Part of the role also demands him to contribute to the revenue by doing LI. Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Delivery in Volume - Percentage payout to channel as required - Insurance Achievement - DelinquencyCustomer Focus- Possession of database of salaried and self employed customers. - Portfolio Management - Attending customer queries & resolution in TAT. - No.of cases where PDD is incomplete.People / Team- Actively co-ordinate with the Risk and Legal team to ensure closure in documentation. - Co-ordinate with the Unit Manager / CBM to ensure closure on disbursal. - Ensure all exceptions raised are cleared within the TAT.Process / Quality Improvement- Adherance to process and Quality manifested in a Login to Conversion ratio of 60% - No.of rejects due to non-adherence in providing documents while logging in. SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. NANANA Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1NA 2NA Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask performed 1Awareness of the local land legal constituents2Contacts with the local DSAs where ever required and supervision of the same.3Possess database of all the schools, colleges, industries and potential bases for salaried business.4Create Awareness in the market through direct or indirect marketing activities5Tracks competition in terms of rates, proposals and policy.6Gathering and building on references.7Is constantly monitoring the quality of the portfolio and performance.8Provide solutions to issues faced and thoughts which can lead to more business generation9Ensure payouts to DSAs are on-time and audited10Ensures visits to DSAs are regularly undertaken and reviews done.11Has a productive pipeline.12Builds and maintains a steady relationship with customers.13Attract DSAs which do business for other competitors14Weeding out of unproductive DSAs. 15Ensure Login to conversion ratio is maintained at 60%16Ensuring 100% of the proposals are given LI17Have a concrete understanding of the Mortgage policy in terms of documents required, process to be followed.18Ensure all the cases are legally cleared before disbursing the case.19Ensure delinquency is within the norms and provide adequate support to the collection team as and when the need arises.20Ensure delivery is spaced out through the month rather than accumulation towards month end.21Ensure all the documents are given at the time of login to help risk in taking a decision on the case22Pre-screening of documents before login.23Presenting cases for rate waivers and following on approvals24Ensure rejection percentage is below the threshold set.25Where required provide for re-look of rejected cases26Liaises with the risk team to do PD in every case 27Meets atleast 3 new customers everyday. Degree Influenced Geography : With the Location Departments: Challenge Challenge on working relationships, both internal & external contacts Sr. NoMost frequent contactsNature or purpose 1Businesses/Business marketing 2Risk Team 3Legal Team 4 5 6 Peer Sr.NoPeer (functional title/role title)Indicate brief job purpose 1IRO 2GCO 3TO Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Sr. NoOther relevant factors (Required Skills) 1Achievement Orientation2Commitment3Conscientiousness4Legal Understanding5Product understanding6Ability to present a case basis the policy7DSA Management Expertise required/ Domain Knowledge: a) Having handled DSAs before b) Understanding of Mortgage business c) Knowledge of local market conditions d) Competitor knowledge e) Knowledge of DSAs servicing the different financial institutions. f) Fundamental legal documentation understanding. No. of years of relevant experience: 4yrs to 5yrs Any specific specialization/education: 12th / Graduate

Job Description Job Title Individual Relationship Officer Mortgage Function / Department Rural Department Head Business Head Reporting Manager Unit Manager Purpose of the Job: Contribute to the growth of mortgage business by sourcing new customers majorly by own sourcing and through DSAs, complemented by the quality of sourcing reflected in delinquency and run-offs. Part of the role also demands him to contribute to the revenue by doing LI. Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business and Financial Management- Delivery in Volume - Percentage payout to channel as required - Insurance Achievement - DelinquencyCustomer Focus- Possession of database of salaried and self employed customers. - Portfolio Management - Attending customer queries & resolution in TAT. - No.of cases where PDD is incomplete.People / Team- Actively co-ordinate with the Risk and Legal team to ensure closure in documentation. - Co-ordinate with the Unit Manager / CBM to ensure closure on disbursal. - Ensure all exceptions raised are cleared within the TAT.Process / Quality Improvement- Adherance to process and Quality manifested in a Login to Conversion ratio of 60% - No.of rejects due to non-adherence in providing documents while logging in. SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 to 04M1 to M3SM1 to SM3Nos. NANANA Total : Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1NA 2NA Self deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask performed 1Awareness of the local land legal constituents2Contacts with the local DSAs where ever required and supervision of the same.3Possess database of all the schools, colleges, industries and potential bases for salaried business.4Create Awareness in the market through direct or indirect marketing activities5Tracks competition in terms of rates, proposals and policy.6Gathering and building on references.7Is constantly monitoring the quality of the portfolio and performance.8Provide solutions to issues faced and thoughts which can lead to more business generation9Ensure payouts to DSAs are on-time and audited10Ensures visits to DSAs are regularly undertaken and reviews done.11Has a productive pipeline.12Builds and maintains a steady relationship with customers.13Attract DSAs which do business for other competitors14Weeding out of unproductive DSAs. 15Ensure Login to conversion ratio is maintained at 60%16Ensuring 100% of the proposals are given LI17Have a concrete understanding of the Mortgage policy in terms of documents required, process to be followed.18Ensure all the cases are legally cleared before disbursing the case.19Ensure delinquency is within the norms and provide adequate support to the collection team as and when the need arises.20Ensure delivery is spaced out through the month rather than accumulation towards month end.21Ensure all the documents are given at the time of login to help risk in taking a decision on the case22Pre-screening of documents before login.23Presenting cases for rate waivers and following on approvals24Ensure rejection percentage is below the threshold set.25Where required provide for re-look of rejected cases26Liaises with the risk team to do PD in every case 27Meets atleast 3 new customers everyday. Degree Influenced Geography : With the Location Departments: Challenge Challenge on working relationships, both internal & external contacts Sr. NoMost frequent contactsNature or purpose 1Businesses/Business marketing 2Risk Team 3Legal Team 4 5 6 Peer Sr.NoPeer (functional title/role title)Indicate brief job purpose 1IRO 2GCO 3TO Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required) Sr. NoOther relevant factors (Required Skills) 1Achievement Orientation2Commitment3Conscientiousness4Legal Understanding5Product understanding6Ability to present a case basis the policy7DSA Management Expertise required/ Domain Knowledge: a) Having handled DSAs before b) Understanding of Mortgage business c) Knowledge of local market conditions d) Competitor knowledge e) Knowledge of DSAs servicing the different financial institutions. f) Fundamental legal documentation understanding. No. of years of relevant experience: 4yrs to 5yrs Any specific specialization/education: 12th / Graduate

Openings for Sales Manager, PL role @ Kochin, Thrissur, Calicut location Roles and Responsibilities 1.Business Development through channels (DSAs). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Desired Candidate Profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and Benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com

Openings for Sales Manager, Business Loan role @ Chennai, Tirchy, Kumbakonam location Roles and Responsibilities 1.Business Development through channels (DSAs). 2.Identifying and maintaining good relation with channels to increase business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Desired Candidate Profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and Benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com

Openings for Sales Manager, PL role @ Chennai, Tirchy, Krishnagiri, Tirunveli, Sivakasi, Pudukottai, Tuticorin location Roles and Responsibilities 1.Business Development through channels (DSAs). 2.Identifying and maintaining good relation with channels to increase personal loans / business loans business. 3.Identification, recruitment and training of channels. 4.Ensuring timely payout to channels. Desired Candidate Profile 1. Handled channels before. 2. Understanding of Personal loans /Business loans. 3. Knowledge of local market 4. Candidates having experience in Banking / NBFCs are preferred. Perks and Benefits Salary is not constrain for right candidate. Interested one can hit your resume to yuvaraja.k@smfgindia.com

We are seeking a dynamic and result-oriented Sales Manager with hands-on experience in Micro LAP products and DSA channel management . for Chennai, Coimbatore, Madurai, Dindigul, Trichy, Sivakasi, Thanjavur & Tirunveli location Role & responsibilities Business Development: Drive sales of Micro LAP (Ticket size: 1L to 50L or as defined). Identify, onboard, and activate new DSAs in the assigned territory. Manage and grow business from existing DSA network Channel Management: Conduct regular DSA meetings and product trainings. Ensure DSA adherence to quality and compliance guidelines. Resolve DSA queries, payout issues, and support required for file processing. Sales Target Achievement: Meet or exceed monthly and quarterly disbursal targets. Monitor and manage lead funnel and conversion ratios. Track competition offerings and provide market intelligence. Credit & Risk Coordination: Work closely with the credit and operations teams to ensure TAT adherence. Ensure quality sourcing with minimal delinquency and high portfolio hygiene. Customer Service: Ensure end-to-end customer satisfaction, from sourcing to disbursal. Address escalations and maintain high NPS scores. Preferred candidate profile Strong experience in Micro LAP / Secured Lending products. Proven track record of managing DSA channels . Excellent interpersonal, communication, and negotiation skills. Strong understanding of lending policies , KYC , credit underwriting , and compliance . Ability to work under pressure and meet targets. Education: Graduate in any discipline (MBA/PGDM preferred). Experience: Minimum 36 years in LAP/Micro LAP sales with at least 2 years in DSA management . Preferred Background: NBFCs, Banks, or FinTechs in secured loan divisions. Interested candidate can hit your resume to yuvaraja.k@smfgindia.com

We are seeking an experienced and dynamic individual to drive sales of Commercial Vehicle loans through the DSA (Direct Selling Agent) channel. The ideal candidate will have a strong understanding of the CV financing market, DSA network management, and proven ability to meet sales targets. Role & responsibilities Business Development: Source Commercial Vehicle loan leads through DSA channels. Maintain and expand the DSA network in the assigned territory. Identify and onboard new DSAs to increase market reach. Sales Management: Achieve monthly and quarterly disbursement targets. Track leads and ensure timely login and disbursement of files. Conduct field visits for customer profiling, document collection, and due diligence. Channel Management: Provide product training and regular updates to DSAs. Ensure proper documentation and compliance by DSAs. Resolve DSA issues promptly and build a strong working relationship. Market Intelligence: Monitor competitor activities and pricing strategies. Provide feedback to management for product and policy improvements. Customer Handling: Assist customers in understanding loan terms, documentation, and eligibility. Coordinate with internal credit and operations teams for smooth processing. Preferred candidate profile Knowledge of local market dynamics. Strong networking with DSAs and vehicle dealerships. Proficient in MS Office and CRM tools. Goal-oriented and self-motivated. Graduate in any discipline. 34 years of relevant experience in Commercial Vehicle Loan Sales. Strong experience with DSA management and field sales. Good communication and negotiation skills. Basic understanding of credit appraisal and loan documentation. Salary is not constrain for right candidate, Interested candidate can hit your resume @ yuvaraja.k@smfgindia.com

Preferred candidate profile a) Understanding of Home Loan business c) Knowledge of local market conditions d) Competitor knowledge e) Open market sourcing Fundamental legal documentation understanding.

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in Personal and Business Loan. Age: 18 to 35 Yrs Education: Graduation & Above Interested candidate can call to 7972694910 or can share your CV to xpheno.amruta.bargi@smfgindia.com

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in Personal and Business Loan. Age: 18 to 35 Yrs Education: Graduation & Above Interested candidate can call to 7972694910 or can share your CV to xpheno.amruta.bargi@smfgindia.com

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in LAP/Mortgage Loan. Age: 20 to 35 Yrs Education: Graduation & Above Interested candidate can call to 8655767562 or can share your CV to Sahithi.rikkula@smfgindia.com

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in LAP/Mortgage Loan. Age: 20 to 35 Yrs Education: Graduation & Above Interested candidate can call to 8655767562 or can share your CV to Sahithi.rikkula@smfgindia.com

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in LAP/Mortgage Loan. Age: 20 to 35 Yrs Education: Graduation & Above Interested candidate can call to 8655767562 or can share your CV to Sahithi.rikkula@smfgindia.com

Role & responsibilities a) Field Visit for client sourcing b) Knowledge of local market conditions c) Gathering and building on references. d) Builds and maintains a steady relationship with customers. e) Fundamental legal documentation understanding. Preferred candidate profile Experience : Fresher/ Minimum 1 years experience in LAP/Mortgage Loan. Age: 20 to 35 Yrs Education: Graduation & Above Interested candidate can call to 8655767562 or can share your CV to Sahithi.rikkula@smfgindia.com