Company Description Svakarma Finance is an impact-focused NBFC that aims to support Micro, Small, and Medium enterprises (MSMEs) to create lasting socio-economic change in the lives of customers. Based in Mumbai, Svakarma Finance operates through branches across Maharashtra, Gujarat, and Tamil Nadu. Our vision is to empower entrepreneurs by democratizing access to capital and knowledge. Role Description This is a full-time on-site role for a Relationship Manager -Secured Loans located in Mumbai/Pune/Belgaum/across Tamilnadu.The Relationship Manager will be responsible for maintaining and developing strong relationships with DSA/Connectors identifying potential opportunities and clients, and providing tailored financial advice to channel partners . Other day-to-day tasks include managing client accounts, conducting market research, and ensuring customer satisfaction. The role will also involve collaborating with other departments to ensure smooth and efficient customer service. Qualifications Strong relationship management and client service skillsExperience in Small Ticket Loan Against Property / Mortgage .Excellent communication and interpersonal skillsAbility to work independently and as part of a teamKnowledge of the MSME sector and financial productsBachelor’s degree in Finance, Business Administration, or related fieldExperience in NBFC or banking sectors handling DSA/Connectors is a plus

Job Description: • Knowledge of sourcing MSME customers from local markets • Willingness to do cold calls every day. • Ensure timely disbursements of loan. • Deliver quality customer service. • Achieve assigned targets. • Ensure all collections & repayments are made on time as per the policy.

Job Description for Manager-Credit for Svakarma Finance Pvt. Ltd., an NBFC The candidate should be a self-starter who has worked in the Credit department of any bank / NBFC and has a flair for evaluating and analyzing financials, preparing a Credit Assessment Memorandum. The candidate will play a critical role in the Credit Assessment of a Business Loan case to assess its credit worthiness, analyse all risks and suggest solutions to mitigate the risks. The candidate will be responsible for: 1. Credit appraisal of Loan applications which are in compliance with the broad credit policy laid down by the management 2. Personal Discussions with the client as applicable. 3. Responsible for Under writing cases with desired level of quality. 4. Evaluating clients credit data and financial statements in order to determine the degree of risk involved in lending money to them. 5. Use performance history along with liquidity, debt/asset management and profitability to assess creditworthiness in evaluation 6. Evaluating financial statements and projections with stress tests to determine risks of extending credit to prospects. 7. Responsible for doing all the credit checks such as CIBIL, Highmark etc 8. Coordinate with Sales, Operations and Legal 9. Prepare Credit assessment Memo covering detailed analysis of business, industry, management, financials, etc. 10. Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved. 11. Analyzing client records and using the data to recommend payment plans. 12. Conducting physical discussion with the clients alongwith business manager. 13. Reverting to the sanctioning committee if any queries are raised. 14. Post disbursement monitoring & collections process coordination. Requirement: • Finance Professional • Experience: o Relevant experience of 4-8 years o Preferable-Experience in Business loan (preferred manufacturing -Engineering segment). o Knowledge about Working capital facilities, Invoice discounting, term loan, machinery loan, etc. o LOS/LMS software experience is preferred Competencies • Quality conscious with an eye for detail meticulous / following guidelines in work practices

JD BRANCH MANAGER Responsibilities • Responsible for Branch sales for the location posted in. • Thorough knowledge of local market and experience in Business Loans. NBFC experience is mandatory. • To ensure high standard quality of the portfolio • Experience : 5 to 12 years or more Skills & Qualification • Decent communication and interpersonal skills. Local language will be an advantage • A team player who can manage efficiently in a changing environment • Excellent Leadership Skills • Education Level University graduate in related disciplines or equivalent is desirable.