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

Walk-in Drive for Customer Support Hindi Voice Process at SMFG India Credit SMFG India Credit is hosting a walk-in recruitment drive for the Customer Support Representative (Hindi Voice Process) position! We are a leading financial services provider and part of the globally recognized Sumitomo Mitsui Financial Group (SMFG). If you have experience in handling customer queries via phone, this is your opportunity to join a dynamic team. Date: 23rd May 2025 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 handling customer queries via phone (Hindi voice process) Must have managed 50+ calls daily Age: 30 years & below Please attend the interview only if you have relevant experience in handling customer queries via phone, managing 50+ calls on a daily basis. Job Responsibilities: Respond professionally and efficiently to customer calls in Hindi Handle inquiries, requests, and complaints with a solution-oriented approach Ensure clear communication to enhance customer satisfaction Maintain accurate CRM tagging of customer interactions Build trust and strong customer relationships through effective communication Qualifications: Proficiency in Hindi and English (verbal communication) Strong customer service and problem-solving skills Ability to multitask and manage time effectively Bachelor's degree preferred (any stream) 1-2 years of experience in customer service (voice process) 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 pan-India presence, serving millions of customers. If you are passionate about customer service 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.

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

Walk-in Drive for Customer Support Email Process at SMFG India Credit SMFG India Credit is hosting a walk-in recruitment drive for the Customer Relationship Officer (Email Process) position! We are a leading financial services provider and part of the globally recognized Sumitomo Mitsui Financial Group (SMFG). If you have experience in handling customer queries via email, this is your opportunity to join a dynamic team. Date: 23rd May 2025 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 handling customer queries via email Must have managed 50+ emails daily Age: 30 years & below Please attend the interview only if you have relevant experience in handling customer queries via email, managing 50+ emails on a daily basis. Job Responsibilities: Respond professionally and efficiently to customer emails Handle inquiries, requests, and complaints with a solution-oriented approach Ensure clear communication to prevent repeat queries Maintain accurate CRM tagging of customer interactions Build trust and strong customer relationships through effective communication Qualifications: Strong written and verbal communication skills Ability to multitask and manage time effectively Bachelor's degree preferred (any stream) 1-2 years of experience in customer service (email support/semi-voice/non-voice) 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 pan-India presence, serving millions of customers. If you are passionate about customer service 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 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 Any experience in Field sales will be considered Age - 21 to 30 years Microfinance sales experience will be preferred Locations - Hingna, Hinganghat, Mouda, Kalmeshwar, Badnera, Naigaon, Loha, Latur Benefits : Company payroll Job Monthly Fixed Salary + incentive for targets+ Petrol & Mobile expenses Mediclaim cover for employee and Family

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

1. To have basic understanding of KYCs, regulatory reforms related to GST, Income Tax, and others. 2. To appraise or underwrite Business Loans within defined policy guidelines and accordingly take decisions or recommend for approval to appropriate authority 3. To conduct personal discussion with customer / client with intent to understand and analyze associated risks in the business and financial standing of the client. 4. To assess the income, ability, intention, business sustainability & credit behavior and verify it through income documents & reference checks and various credit bureau checks. 5. To verify legal and technical reports and identify the risks or critical points impacting the proposal.

Roles and Responsibilities Manage a team responsible for loan recovery, debt recovery, and NPA management. Oversee field collections, bucket handling, and write-off processes. Ensure timely resolution of customer queries and issues related to loans and microfinance services. Develop strategies to improve collection efficiency and reduce delinquencies. Collaborate with internal teams to identify areas for improvement in the lending process.

Generation of Personal Loan business through Channel Partner/DST PL Salaried & PL self employed, well informed with both products. To create own Channel distribution network to generate business. To meet customers, collect required documents as per policy. To facilitate end to end processing of loan proposals from origination, approval by Risk team and disbursals.

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

Openings for Sales Manager, PL role @ Kanchipuram, Krishnagiri, Pudukottai, Tiruvneli & Calicut, Thrissur 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 looking for a motivated and experienced Sales Manager with expertise in Personal Loan sales through the Direct Sales Team (DST) model in Manappari, Trichy, Pollachi & Perambalur location Role & responsibilities 1. Sales & Target Achievement: Achieve monthly and quarterly disbursal targets for Personal Loans . Drive productivity of the DST team and ensure consistent performance. Monitor lead funnel, sales conversion, and quality of sourcing. 2. Team Management: Recruit, train, and manage a team of DST executives . Set daily/weekly targets and track performance through reviews and field visits. Coach and mentor the team on product knowledge, selling skills, and compliance. 3. Market Development: Identify and tap new customer segments, corporates, and cross-sell opportunities. Conduct local marketing, promotional activities, and customer engagement drives. 4. Operational Coordination: Liaise with credit, operations, and backend teams to ensure timely file processing and disbursals. Ensure all applications meet internal credit and documentation norms. 5. Compliance & Risk: Ensure adherence to regulatory guidelines , KYC norms , and internal compliance policies. Maintain portfolio quality with minimal delinquency and high customer satisfaction. Preferred candidate profile In-depth understanding of Personal Loan products and policies . Proven success in DST channel management . Strong leadership, communication, and team-building skills. Ability to handle pressure and work in a target-driven environment. Familiarity with lending systems, CRM tools, and MIS reporting. Qualifications & Experience: Education: Graduate (MBA/PG in Sales or Finance preferred). Experience: 2 to 6 years in Personal Loan sales with minimum 2 years in DST channel handling . Preferred Background: Banks, NBFCs, FinTechs in unsecured loan divisions. CTC: Competitive + Incentives + Allowances (based on experience and location) Interested candidate can hit your resume @ yuvaraja.k@smfgindia.com

We are seeking a driven and experienced Area Sales Manager Business Loans to lead and manage the DSA sales channel across the Chennai cluster . The ideal candidate should have deep-rooted experience in business loan sales, a strong DSA network, and a comprehensive understanding of the Chennai SME market. This role will be responsible for driving loan volumes, building strategic channel partnerships, and ensuring compliance with lending norms. Role & responsibilities ales & Business Development Drive sales for Business Loans through DSA partners within the Chennai region. Achieve monthly and quarterly business targets on loan disbursals and portfolio quality. Identify new opportunities for market penetration and customer acquisition. Channel Management Onboard, manage, and develop relationships with existing and new DSAs. Conduct regular DSA training and product knowledge sessions. Monitor DSA performance metrics and ensure alignment with business objectives. Team & Territory Management Manage a team of relationship officers or sales executives across the Chennai cluster. Strategize and implement region-specific sales plans to meet business goals. Ensure optimal coverage and business development in key areas within the Chennai cluster. Market Knowledge & Competition Mapping Leverage deep local market understanding to identify trends, risks, and opportunities. Analyze competitor offerings and market movement in the business loan segment. Share actionable insights with senior management to influence strategy. Compliance & Operational Oversight Ensure complete compliance with internal policies, RBI guidelines, and KYC norms. Coordinate with credit, operations, and risk teams to ensure smooth processing. Minimize file rejections and delays by ensuring documentation accuracy. Preferred candidate profile Experience: 7 to 10 years of relevant experience in business loan sales, with a strong focus on the DSA channel. Geographical Knowledge: In-depth understanding of the Chennai business ecosystem, especially SME segments. Education: Graduate in any stream (MBA/PGDM preferred). Skills Required: Proven track record in DSA channel management and business loan sales. Strong people and team management skills. Excellent negotiation, communication, and analytical skills. Interested candidate can hit your resume to yuvaraja.k@smfgindia.com

Openings for HR Support @ Bangalore location on Contract basis Purpose of the Job: Understand HR policies & processes Respond to employee queries promptly and effectively. Support in Business partnering Support in Talent acquisition and Employee life cycle management KPIs Resolve queries via telephone, email, query module on HRIS Train employees on HR policies and processes Train employees on core HRIS applications End to end talent acquisition for the assigned positions Effective use of source mix Taking care of on-boarding and employee experience Maintaining MIS and data mining Interested candidate can share your resume @ bhoomika.somayaji@smfgindia.com / nataraja.c@smfgindia.com

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: 28th, 29th & 30th May 2025 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 h a proven track record in sales conversion Age: 30 years & below 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 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 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: 28th, 29th & 30th May 2025 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 Tamil Callers Recovery collections experience required Malayalam 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 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! 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: 3rd 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!

Job description Role & responsibilities : a) Understanding of PL business particularly about self-employed/business loan. b) Knowledge of local market conditions and about local industries as well. c) Competitor knowledge on business loan product. d) DSA handling Experience Role & responsibilities Preferred candidate profile : Exp: Minimum 1 Yrs & above in Personal Loan Location: Pathankot, Hoshiarpur & Bathinda Sal: 2L to 5 L pa Qualification: Graduate & Above Interested candidates are requested to share their CV to Neha.vishwakarma2@smfgindia.com

Role & responsibilities Contribute to the growth of Home Loan business by sourcing new customers majorly by own sourcing and through DSAs with ticket size loan (up to 20 lakhs), 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. Preferred candidate profile