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

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

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

SMFG India Credit Co. Ltd. is hiring for Individual relationship officer We have walk-in drive for Rural Sales & Collection - Individual Loan Candidate should have experience in handling loan sales & collections Experience - 0 to 5 years Age Band - 18 to 35 Years Min. Qualification - Degree Interview date & Venue: Date: 13th June & 14th June Time: 9:00 AM to 4:30 PM

Roles and Responsibilities Manage a team of agents to achieve sales targets and provide excellent customer service. Develop and implement effective strategies for business growth, including recruitment, training, and performance management. Build strong relationships with clients through regular communication, negotiation, and problem-solving skills. Ensure compliance with company policies, procedures, and regulatory requirements. Analyze market trends and competitor activity to identify opportunities for expansion.

Roles and Responsibilities Manage a team of agents to achieve sales targets and provide excellent customer service. Develop and implement effective strategies for business growth, including lead generation, prospecting, and relationship building. Ensure timely collections from clients through efficient follow-up processes. Provide guidance on insurance products and services to customers. Maintain accurate records of client interactions using CRM software.

Roles and Responsibilities Manage a team of agents to achieve sales targets and provide excellent customer service. Develop and implement effective strategies for business growth, including recruitment, training, and performance management. Build strong relationships with clients through regular communication, ensuring high levels of satisfaction. Identify opportunities for upselling and cross-selling insurance products to increase revenue. Ensure compliance with company policies, procedures, and regulatory requirements.

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.

Walk-in Drive for Telesales - Unsecured Loan Products at SMFG India Credit SMFG India Credit is hosting a walk-in recruitment drive for the Telesales Executive (Unsecured Loan Products) position! We are a leading financial services provider and part of the globally recognized Sumitomo Mitsui Financial Group (SMFG) . If you have experience in sales through outbound calls, this is your opportunity to join a dynamic team and drive business growth. Date: 14th June'25 Time: 11:00 AM to 3:00 PM Job Location: Chennai, Porur Office Timing: 9:30 AM to 6:30 PM Interview Venue: SMFG India Credit Co. Ltd., Commerzone IT Park, Tower B, 1st Floor, Mount Poonamallee Road, Porur, Chennai, Tamil Nadu - 600116 To access the venue, kindly contact Ms. Gayathri Anand at 7304964190 upon arrival for your gate pass. Eligibility: Experienced candidates in outbound telesales, preferably selling loan products Must have have a proven track record in sales conversion Age: 30 years & below & MUST BE WELL VERSED IN TELUGU OR KANNADA LANGUAGE. Please attend the interview only if you have relevant experience in telesales. Job Responsibilities: Make outbound calls to potential customers and pitch unsecured loan products Understand customer needs, educate them on loan offerings, and persuade them effectively Maintain a professional approach to build trust and rapport with customers Keep accurate records of customer interactions and sales progress in CRM Achieve sales targets while maintaining high-quality service and compliance standards Qualifications: Strong verbal communication and persuasion skills Ability to work in a high-paced sales environment and handle objections efficiently Bachelors degree preferred (any stream) 1-2 years of experience in telesales, preferably in financial services Join Us! Be part of SMFG India Credit , a trusted financial institution with a pan-India presence, serving millions of customers. If you are passionate about sales and eager to grow in a dynamic environment, we welcome you to attend the walk-in drive! To access the venue, kindly contact Ms. Gayathri Anand at 7304964190 upon arrival for your gate pass.

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: 14th June'25 Time: 11:00 AM to 3:00 PM Job Location: Chennai, Porur Office Timing: 9:30 AM to 6:30 PM Interview Venue: SMFG India Credit Co. Ltd., Commerzone IT Park, Tower B, 1st Floor, Mount Poonamallee Road, Porur, Chennai, Tamil Nadu - 600116 To access the venue, kindly contact Ms. Gayathri Anand at 7304964190 upon arrival for your gate pass. Eligibility: Only experienced candidates in collections or recovery processes may apply Age: 31 years & below Education: Any UG / HSC qualification Language-Specific Openings: Telugu Callers -Recovery or Flows collections experience required Kannada Callers -Recovery or Flows collections experience required 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 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! To access the venue, kindly contact Ms. Gayathri Anand at 7304964190 upon arrival for your gate pass.

Role & responsibilities Monitors and maintains the balance between Group Lending / Individual / Secured portfolio. Reviews Branch Operating Matrix Periodically reviews CPVs and GRTs. Monitor profitability and performance of the cluster using various productivity, efficiency and financial parameters. Periodically audits the cash management process. Periodically reviews the insurance claim process and ensures the claim process is duly adhered to. Undertakes measures to increase growth in volume and contribution of the cluster to the state. Plans and implements customer care programmes regularly. Plans activities to ensure growth of business and therefore market share. Tracks competition regularly and provides feedback on the initiatives on changes in programmes. Provides feedback on the existing policies with their pros and cons. Actively takes part in the hiring of front end sales personnel for the cluster ensuring 100% manning at any point in time. Ensures all the employees onboarded have undergone requisite training and are certified. Ensures all the Units have adhered to all statutory norms and escalates as and when any issues surfaces. Takes the lead to address any customer complaint and ensures resolution. Takes a periodic review on customer attrition and reasons for the same. Does a daily check on ODs in the cluster with reasons and intervenes as and when required. Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area Takes a lead in delivering programmes as and when required. Takes the lead in grooming employees to the next level. Does a periodic check on cash reconciliation across the cluster. Does a regular check on attrition and reasons responsible for them. Tracks all the high performers and provides the necessary inputs to ensure they grow further similarly tracks the underperformers and provides inputs to ensure they grow further. Coaches Unit Managers in analyzing reasons behind drop-out rates and identifying techniques to reduce drop-out problems. Is fair and objective while dealing with all employee related issues. Continuously upholds and communicates importance of Integrity and Discipline in the branch. Responsible for the upkeep of all matters related to the disciplinary grid irrespective of grade or role. Encourages and protects any employee voicing concerns on deviation from systems and process. Takes the lead in ensuring all employees take part in VOE survey. Objectively rates employees basis performance and recommends employees to the next level. Also facilitates communication of rating to the employees. Ensures backend operations of every branch function in a smooth and effective manner. Understands and Uses technology and the system tools for smooth & effective dis-emination of process & lacunae in functioning. Responsible for infrastructure of FICCL and its maintenance Responsible for daily reporting of business and performance to the State Business Head. Through periodic reviews ensures adherence to processes so as to meet the audit requirements. Periodically audits files during month end to ensure there are no exceptions raised and FTR score is as per norms. Build network within community. Ensures organizing of community care programmes. Relationship building with local association, trade association heads. Helps build brand through excellent personalized services and displaying top level business ethics and conduct. Periodically attends branch huddle meetings, centre meeting to check effectiveness. Ensures all policy changes are disseminated effectively to all concerned. Where ever necessary ensures refreshers take place. Ensure login to disbursal ratio is within the national similarly rejection ratio is within the national average. Periodically does physical customer checks to validate. Actively participates in employee engagement activities. Judges and makes independent decisions inferred through quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors) Ensure technology is put to maximum use. Plans and provides direction on various products and functioning to the cluster. Monitors plan to result every month. Anticipates and uses data to ensure resolutions / escalate problems whereever. Co-ordinates with various support functions to ensure smooth working relationship. Upholds the values and principles of the company. If given POA plays the role effectively and with sincerity. Preferred candidate profile Experience in Mortgage is preferred Rural Market Knowledge, Network with the local community and Opinion Leaders

Job Description Ensure AP Ref no.if generated as soon as a file is logged in Ensure CPV, neighbor check, Financiary reference check and TVR is done after CIBIL Recommends and forwards to appropriate authority basis limits, deviation, and deferral. Does PD for every single customer. Take various market references and build touch points for customer reference. Check and keep tab on industry trends, key factors impacting industry, performance of trade in local market and regulatory impact Review of credit files as per policy Co-ordinate with FCU for setting up specific triggers Ensure approval tracker is given to Business Basis product to do CFA and ABB. Relook at cases which have been rejected basis merit Clear the various exception raised. Review portfolio every month with respect to ODs / losses / fraud for the period underwritten with respect to the following Bucketwise OD’s being within the triggers OD’s within the budgeted figure Customers TOD level within acceptable norms Non Starter at minimum level Negligible skip / fraud cases Ensure documentation is in place before sending the file for dispatch, with reviews done periodically on the documentation, besides ensuring dispatch of the physical file. Ensure the completed document is moved into the Operations Queue Reviews credit admin activities to ensure the activities like RMU movement, filing of charge, agreement filling, stock and book debt audit, legal dox review , regular information on deviations, deferrals to central unit etc are completed within stipulated time frame. Gives Early warning inputs regularly through market, industry and customer level feedback in order to avoid surprise delinquencies. Constantly monitor portfolio adherence to triggers to identify underlying issues with plausible solutions. Expertise required/ Domain Knowledge: Rural Market knowledge No. of years of relevant experience: 2-5 Yrs Any specific specialization/education: Graduate & Above

Preferred candidate profile Minimum 2 years of post qualification experience preferably from SME Banking or NBFCs engaged in SME Banking if M2 then Minimum 4 years experience File to be sourced from DSA, Channel & Connectors

Role & responsibilities Complete Field job Home Loan Sales Monthly Target based Job Preferred candidate profile Any fresher Graduate ready for field job can apply Also any candidate having sales job experience from other industry can apply

Role & responsibilities Managing recovery of secured and unsecured loan products within assigned territory Implement system in collections Mentoring and coaching the collection team onroll/offroll Delivering targets communicated by Collection Head Managing and maintaining relations with customer and within team. Coordination among cross functional teams (sales, Collections, Fraud, Risk) and central teams Preferred candidate profile Result/achievement orientation People management skills Well networked in locality with respect to customers and Association Office bearers Demonstrate core company values, including high integrity and ethics

Preferred candidate profile Minimum 2 years of post qualification experience preferably from SME Banking or NBFCs engaged in SME Banking if M2 then Minimum 4 years experience File to be sourced from DSA, Channel & Connectors