Experience: Minimum 2-3 years of experience in legal collections, litigation, or debt recovery within an NBFC, bank, or financial institution. Hands-on experience in managing recovery litigation including civil suits, SARFAESI, and other recovery processes. Coordination with Legal Teams : Work closely with internal legal teams and external counsels to ensure timely execution of legal tools like Summons, warrants, Conducting Lok adalath ,Conciliation camps ,etc Coordination with Law enforcement Agencies: Work closely with the law enforcement agencies like police to execute the legal tools like summon, warrants in time Debt Recovery Process : Initiate and follow up on the legal actions, including civil , criminal and recovery proceedings , SARFAESI proceedings, and other applicable enforcement measures to recover debts Documentation & Compliance : Ensure that all legal and recovery-related documents are properly maintained, signed, and submitted to comply with legal procedures and company standards. Data Management : To maintain the proper MIS for the legal actions taken and timely reporting these data to the management Dispute Resolution : Lead negotiations with customers and their legal representatives to reach amicable settlements where possible.

Role & 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. Preferred 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. Location Openings Ranibennur 1 Hassan 1 Shimoga 1 Interested one can hit your resume to bhoomika.somayaji@smfgindia.com and walk-in directly to below address Vinay V - 8904030601 3rd Floor, Vishalakshamma Building, 3rd Cross, 5th Ward, Durgigudi Extention, Opp Durgigudi School, Shimoga-577201 Umesh - 9686681629 RS NO 798 , Ground Floor,plot no 11, Devi Heights ,Opp KEB , PB Road ,Ranebennur-581115 , Karnataka. Nagaraj Ganiga - 9686509075 First Floor #4-1-508-10B MGV Spaces 10th Cross, Mini Vidhanasoudha road, Kuvempunagar 2nd Stage Hassan, Karnataka State - 573101

Role & 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. Preferred 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. Location Openings Davangere 1 Hospet 2 Mangaluru 1 Interested one can hit your resume to bhoomika.somayaji@smfgindia.com and walk-in directly to below address Pradeep Kumar D C - 9844199399 No. 279/1, 7th Main, 7th Cross, Chetana Hotel Road, P J Ext Davanagere - 577004. Syed Yusuf - 9880516960 Santhosh Nivas, 1st Floor, Oppo Axis Bank, VNC Collage Road, Hospet. Hariprasad - 9945833608 1st Floor, Bridge Square Building, Balmata, Mangalore, Karnataka 575002

Job Description for State Operations Manager Job Title State Operations Manager Function / Department Operations Department Head GM, Operations Reporting Manager Regional Operation Manager Ex Key Expectation: Product / policy experience in retail / rural market segment Secured lending exposure will be preferred. Purpose of the Job: This position is responsible to manage different operational activities based out of Rural, Urban & Housing finance branches for the respective State. Operations for Rural branches are handled through Transaction officer who are responsible for below activities. - Loan Booking Process Unsecured Products - Quality Checks - Cash Disbursals & Collections - Payment Application - File Dispatches - Receipt Book Updations Operations for Urban / HFC branches are handled through Booking executives who are responsible for below activities. - Loan Booking Process for Secured Products - Quality Checks - File Dispatches - Legal & Technical review - OTC / PDD monitoring - Monitoring End to End TAT for different processes State Operations manager would be responsible for managing all the above activities with the help of dedicate operation Managers who will be taking care for 10-15 branches. All the branches Transaction officer reports to Operation Manager who further reports to State Operations Manager. The role requires extensive travelling to all the branches for the respective state to manage the Operations officers at each of these branches. Primary responsibilities include: Responsible for appropriate functioning of the overall Operations process at each of the branches allocated. Using Operational expertise through meeting with all key stake holders of the branches. bridging the gaps identified in day to day branch operations by close monitoring and supervision. Review of sample cases on a day to day basis to ensure file quality and compliance to Quality check parameters. Ensuring Operational and Cash management controls are effective across all branches allocated on an ongoing basis. Enforce process discipline and policy compliance in all branches allocated under the clusters. Prevent process deviations by doing root cause analysis and putting in preventive and corrective actions in place. Conducting an audit and ensuring safekeeping / timely dispatch to RMU for Operational records like disbursed files, receipt books, vault registers and other registers maintained by the Transaction officers. Ensuring improvement in the Quality scores of all the branches responsible for and adherence to Operational requirements with ongoing process & system changes. Responsible for measuring productivity of the respective TOs and ensuring adherence to the TAT. Responsible for training, back-up planning, job rotation of the TOs and timely hiring / ensuring low attrition levels. Provide valuable inputs towards system and process changes to eliminate wastage and bring in additional controls. Carry out UATs on system changes and share valuable inputs with Technology teams. Train the Transaction officers for the branches responsible on new products, system and process changes and ensure appropriate training has been imparted before enhancements going live. Describe the KPIs against each perspective PerspectiveKey Performance Indicators Business & Financial Management Ensuring loan booking & payment application within the agreed TAT across all branches in clusters allocated. Internal Control checks & appropriate Record management Compliance to business policies and processes. Operational Loss to be kept at minimal. Customer Focus Consistently meet predetermined metrics to achieve business objectives and customer SLAs. Identify and resolve Operational Issues & problems. Provide strategic guidance to the operations managers / business teams to ensure and improve service delivery People / Team Manage Operations Managers / Transaction officers across all branches for the respective State. Responsible for resolving their day-today issues, back-up planning, job rotation, timely hiring and ensuring low attrition levels. Create a high performance, fair and exciting work environment that provides motivation and development opportunities for the teams Monitor Productivity, errors effectively Attrition within acceptable levels Effective Training Development and delivery Process / Quality Improvement Ensure process discipline and policy compliance across all branches under the clusters allocated. Using Operational expertise and bridging the gaps identified in day to day branch operations by close monitoring and supervision. Review of sample cases on a day to day basis to ensure file quality and compliance to Quality check parameters. Ensuring Operational and Cash management controls are effective across all branches allocated on an ongoing basis. Prevent process deviations by doing root cause analysis and putting in preventive and corrective actions in place. Conducting an audit and ensuring safekeeping / timely dispatch to RMU for Operational records like disbursed files, receipt books, vault registers and other registers maintained by the Transaction officers. Ensuring improvement in the Quality scores of all the branches responsible for and adherence to Operational requirements with ongoing process & system changes. Provide valuable inputs towards system and process changes to eliminate wastage and bring in additional controls. Carry out UATs on system changes and share valuable inputs with Technology teams. SCOPE & DISCRETION (Span of control) Total no. of employees supervised with details GradeO1 04M1 M3SM1 to SM3Nos. 7 101-2NA Sr. No.Direct Reportees (functional title/role title)Indicate brief job purpose 1Operations Manager RuralSupervising the day to day Operational activities for all branches allocated.2.Booking Officer Urban/HFCSupervising the day to day Operational activities for all branches allocated. Decision making authority Describe the authority permitted to take decisions, and those you are expected to recommend AreaDecisions takenDecisions recommended Process Changes Process ImprovementsSystem Changes System EnhancementsPerformance Management Performance ratings of Operations Manager, Transaction Officers & Booking executive and all other employees part of Operation for the respective state Self-deliverables The most important tasks performed on an individual basis without involving subordinates are Sr. NoTask performed 1Analyzing trends & Control MISs to come up with pain areas and proposed resolution - preventive and corrective process actions2Supporting New Product / Process & System development3Managing ad-hoc queries and Audit Reviews4Managing cordial relationship with all stakeholders5Moderate execution skills in a multi-tasking mode Challenge Challenge on working relationships, both internal & external contacts Sr. NoMost frequent contactsNature or purpose 1Businesses/Business marketingTAT, Product & Process Changes Performance evaluation Resolution of Operational Issues Monthly Dashboards2TechnologySystem development, enhancement & UATs3AuditProcess Reviews4RiskProcess Improvement & reduction of errors Peer S.noPeer (functional title/role title)Indicate brief job purpose 1State Business / Risk Mangers (other clusters / states)Coordinate and ensure synchronization of processes across Business & Risk Functions. Other factors relevant to the job Other aspects of the job not covered by the above but necessary to have a full understanding of are: Sr. NoOther relevant factors (Required Skills) 1Strong execution skills and ability to deep dive and review processes2Strong Focus on risk & controls3Good consumer Loans product knowledge, processing, control mechanisms, accounting principles and technology savvy. Understanding of accounting entries with respect to consumer loans is a must.4Effective people management5Effective Communication (with various stakeholders) Expertise required/ Domain Knowledge: Minimum educational qualification Graduate / Post Graduate / MBA Finance or equivalent. Hands-on experience on Rural / HFC Operations. Understands basic quality checks on documentation KYC, application forms, loan and income documents Understands local dialect / vernacular language. Basic accounting knowledge Communication skills Team Management skills No. of Years for relevant experience 4 to 5 years experience in BFSI space and MF Operations. Any specific specialization/education: Graduate/ Post Graduate or MBA Finance with relevant experience

Role & responsibilities Collection Resolution of delinquent accounts of the branch to achieve the monthly target. Visiting the customers and providing daily update to supervisors Tracing of skip /migrated customers Collection of Bounce & penal Charges Coordinating with the dealers and customers Preferred candidate profile 9months 1 year experience in group collections Hsc/Graduation Perks and benefits SIM card Travel Allowance 5 lakhs medical coverage On - role opportunity

Role & 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. Preferred 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. Location Openings Gulbarga 1 Belgaum 1 Bidar 2 Interested one can hit your resume to bhoomika.somayaji@smfgindia.com and walk-in directly to below address Bhaskar - 9972997474 No. 3-240 Beside Hanuman Mandir, Milan Chowk Gazipur Kalburgi Karnataka State-585101 Laxman Burli - 9611107574 CTS no 1373,1st Floor, Rajmani Complex, Opp City Arcade Muthoot Finance, Ramlingkhind Galli, Belgaum-590002. Abdul Rashid - 9591869575 First Floor No. 50 Anuj Arcade, Opp Sai School Ganesh Maidan Bidar 585401.

Role & responsibilities Need to source Two-Wheeler Customers and sell out TW loan product. Responsible to collect EMI's from the customer. Preferred candidate profile Min Exp: 1 year Qualification: Any Graduate Perks and benefits Selected candidate will get 5 lacs insurance and best in industry Incentives.

Role & 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. Preferred 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. Location Openings Ranibennur 1 Hassan 1 Shimoga 1 Interested one can hit your resume to bhoomika.somayaji@smfgindia.com and walk-in directly to below address

Role & responsibilities Identify potential customers and conduct cold calls to generate leads. Conduct site visits, verify KYC, and process loan applications. Meet monthly targets set by the organization. Preferred candidate profile Minimum exp: 1 year of experience in Home Loan Qualification: Any Graduate Candidate should be ready for complete field job No gap in employment

Role & responsibilities - Unsecured business loans/ Collections/ Business Designation will be Group Credit Officer or Individual Relationship Officer Preferred candidate profile - Graduate- Freshers, Experienced candidate with no Gaps in there tenure. We have vacancies in PAN Rajasthan locations. We offer good salary + Incentive + Fuel + Health benefits.

Walk-in Drive for "Sales Manager, PL" role in TN Krishnagiri location on 16th May 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Krishnagiri branch. Role & 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. Preferred 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 and walk-in directly to below address on 16th May 2025 SMFG India Credit Company 1st Floor, Vasavi Complex, Plot No:14, Rajaji Nagar, Rayakottai Road, Krishnagiri - 635001

Walk-in Drive for "Sales Manager, PL" role in TN Erode location on 14th May 2025 . Interested one can direct walk-in on below mentioned venue SMFG India Credit @ Erode branch. Role & 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. Preferred 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 and walk-in directly to below address on 14th May 2025 SMFG India Credit Company 1st floor, Appaji Arcade, No: 42/9, Erode Perundurai Main Road, Thindal , Erode - 638012

Openings for Sales Manager, PL role @ Tamilnadu 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 looking for a dynamic and results-oriented Sales Manager to drive the sales of High Ticket Loan Against Property (LAP) ranging from 2 Crore to 50 Crore for Chennai & Salem location Role & responsibilities 1. Sales Strategy & Execution: Develop and implement sales strategies to achieve business targets in the High Ticket LAP segment. Identify and engage with High Net-Worth Individuals (HNI) and institutional clients to understand their financing needs. Achieve sales targets by securing high-value loan deals, ranging from 2 Crore to 50 Crore. 2. Client Relationship Management: Build and maintain strong relationships with potential and existing clients. Handle key client accounts and ensure excellent service delivery throughout the sales process. 3. Lead Generation & Market Research:. Generate leads through multiple channels including referrals, networking, and digital marketing. Monitor market trends, competitor activities, and customer preferences to stay ahead in the market. Develop and manage a pipeline of prospective clients. 4. Cross-Functional Collaboration: Collaborate with the credit, legal, and risk teams to ensure seamless loan processing and disbursements. Work with marketing teams to create customized marketing campaigns targeting HNI clients. Coordinate with senior management for high-value client negotiations and escalations. Preferred candidate profile 1. Education: Any Bachelor's degree . 2. Experience: Minimum 8 to 13 years of experience in sales of financial products, specifically in Loan Against Property (LAP) . Experience handling high-value loans in the range of 2 Crore to 50 Crore. 3. Skills: Strong communication, negotiation, and relationship-building skills. Excellent understanding of financial products, especially LAP, and the lending process. Strong analytical skills and ability to assess client needs effectively. Ability to manage multiple projects and meet deadlines. Perks and benefits Salary: Competitive and based on experience. Incentives: Attractive performance-based incentives. Other Benefits: Health insurance etc. Location : Chennai & Salem Interested candidate can hit your resume to yuvaraja.k@smfgindia.com

Role & responsibilities Identify potential customers and conduct cold calls to generate leads. Conduct site visits, verify KYC, and process loan applications. Meet monthly targets set by the organization. Preferred candidate profile Minimum exp: 1 year of experience in loan against property Micro finance experience will be preferred Qualification: Any Graduate No gap in employment

Role & responsibilities Sourcing and training customers conducting group trainings Collecting documents as per process. Running weekly center meeting for repayments of loans Preferred candidate profile Microfinance experience Should be ready for field job 12th pass and fresher graduate with 6 months experience Benefits :- Fixed Salary + Attractive monthly incentive Mediclaim for employee and Family from DOJ

Role & responsibilities: Documents Collection of shortlisted candidates Pre - Boarding documents check Data Entry of selected candidates in the system Follow through the selection process till approval from central team. Sharing and helping the new employees with Joining formalities and collecting the documents to upload on our portal

Role & responsibilities Need to source Two-Wheeler Customers and sell out TW loan product. Responsible to collect EMI's from the customer. Preferred candidate profile Perks and benefits Selected candidate will get 5 lacs insurance and best in industry Incentives.

Role & responsibilities Need to source Two-Wheeler Customers and sell out TW loan product. Responsible to collect EMI's from the customer. Preferred candidate profile Perks and benefits Selected candidate will get 5 lacs insurance and best in industry Incentives.

Urgent openings for Agency Manager Recovery with hands-on experience in managing third-party agencies, collections teams, and recovery channels. Role & responsibilities Agency Management: Handle a network of recovery/collections agencies within the assigned territory. Onboard, train, and review performance of recovery partners. Ensure adherence to SLAs, compliance, and fair collection practices. Recovery Operations: Monitor and drive recovery performance on delinquent portfolios (Buckets: 30+, 60+, 90+, written off cases). Develop and implement recovery strategies to maximize collections efficiency. Execute field recovery actions including skip tracing, settlements, legal recoveries where required. Channel Performance: Analyze agency/channel productivity and optimize recovery costs. Ensure recovery agents are well-informed, trained, and aligned with company standards. Initiate corrective actions in case of underperformance. Compliance & Reporting: Ensure compliance with regulatory guidelines and company policies. Maintain MIS and daily/weekly performance reports. Collaborate with legal, risk, and credit teams as required. Preferred candidate profile Graduate/Postgraduate in any discipline. 3 to 8 years of experience in collections/recovery , with strong exposure to agency/channel handling . Familiarity with retail finance, unsecured loans, two-wheeler loans, microfinance, or Commercial Vehicle is a plus. Ability to travel extensively and manage field recovery operations. Perks and benefits Salary is not constrain for right person, interested candidate can drop your resume to yuvaraja.k@smfgindia.com / 8976918334