Designation - Business Analyst Location - Pune / Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:

Designation - Sr Credit Analyst Location - Hyderabad and Bangalore Product handled - Construction Finance Qualification - Qualified CA Role & responsibilities Case Analysis using Financial models for Promoter Group, Micro-market and Transaction structure Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review Case Underwriting within guidelines of regulatory framework and polices Case Documentation within guidelines of polices and framework Customer Back-office coordination on day to day operational activities to align with compliance policies.

Designation - Business Analyst Location - Hyderabad / Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:

Role & responsibilities: 1. Credit Appraisal & Underwriting Assess and underwrite home loan proposals in line with the companys credit policy and guidelines. Analyze borrowers financial statements, repayment capacity, property documents, and creditworthiness. Evaluate risks and approve cases within delegated authority or recommend to higher authorities as per the credit policy. 2. Policy Implementation & Compliance Ensure strict adherence to credit policy, regulatory norms (RBI/HFC guidelines), and internal audit requirements. Monitor and update team members on policy changes and ensure policy compliance in all credit activities. 3. Team Management & Training Lead, train, and mentor a team of credit officers/executives across multiple branches. Conduct regular training sessions to upgrade credit underwriting and risk assessment skills of the team. 4. Portfolio Quality & Risk Management Monitor the performance of the credit portfolio in the assigned area – track delinquency, bounce rate, NPA levels, etc. Take corrective actions to minimize credit losses and ensure portfolio health. Collaborate with collections and recovery teams for resolution of stressed assets. 5. Coordination with Stakeholders Work closely with Sales, Operations, Technical, Legal, and Risk teams to ensure smooth and timely loan processing. Resolve branch-level escalations, provide support in complex credit decisions. 6. MIS & Reporting Maintain and update credit MIS, approval logs, and portfolio tracking dashboards. Share periodic reports with regional/zonal heads highlighting credit performance, risks, and improvement areas. 7. Market Intelligence Stay informed about local market trends, competitor offerings, and real estate dynamics. Provide feedback to policy and product teams for better risk-based pricing and product structuring.

Designation - Business Analyst Location - Hyderabad / Bangalore/ Mumbai Product handled - Construction Finance / Real Estate Qualification - Qualified CA Role & responsibilities 1. Credit Analysis Analyze and evaluate the proposed transactions including Borrower background, enterprise information, project / security information, cash flow analysis, feasibility analysis, sensitivity analysis, Debt Profile evaluation, Group level cash flow evaluation, financial evaluation. Liaison with internal stakeholders viz. Risk, Legal, Technical, Finance, Accounts and Operations Liaison with external agencies for due diligences legal, technical, valuation, financial diligence, etc. Ensure Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 2. Note Preparation Preparing Credit Assessment Memo for transactions Review and signoff of the Credit Assessment Memo from all the stakeholders including Risk and Senior Management. Issuance of sanction Letter to the customer as per the note prepared and sign-off provided. Initiate framework for Post disbursement monitoring activties Initiate framework managing Security Cover, Receivables Cover, exit calculations, Shortfall calculations, Portfolio Review 3. Case Documentation Prepare and execute Pre & Post transaction documentation Co-ordinate with customer for information and documentation from login to post disbursement Carrying out Post disbursement monitoring activties Ensuring compliance of statutory compliances, Internal and External Audits, ROC Charge creation and satisfaction, internal policies and procedures Carrying out post closure formalities 4 Quality Compliance Processing of Escrow fund transfers on daily basis Processing of NOC requests on daily basis Collection, evaluation and follow up with internal / external environment for following activities:

Designation - Credit Manager Location - Aurangabad Preferred CA candidates EXPERIENCE IN MORTGAGE/ LAP/ HOME LOANS IS IMPORTANT. Role & responsibilities To Assess and conduct detailed credit analysis & evaluation of lending proposals for approval / decision at the local level or further recommendation for approval/ decision at the Regional / National / Credit Committee levels. To perform direct and thorough investigation and obtain relevant credit information through personal interaction with customer. To undertake detailed external research and market feedback including banker, Suppliers, customers on the loan proposal and evaluate the proposal in accordance. To submit Credit Appraisal Memo to the Regional Credit Manager for each proposal highlighting the key risks associated with the borrower to enable a prudent credit lending decision. Ensuring no loss of revenue by issuing proper sanction letter as per approvals are being issued, capturing the right deviation while assessing the case To ensure document execution from RMs & the handover of complete documentation to MOG for disbursement of loans. Ensuring proper mortgage is created in favour of organization. Ensuring the underlying security mortgaged is marketable and having a clear title. To monitor the existing portfolios based on designed formats and parameters To adhere to compliance policies in proposal evaluation To ensure compliance with robust documentation mechanism To prepare regular MIS for areas under risk management and give presentation to various stakeholders

Designation - Cluster Sales Head Location - Bangalore and Ahmedabad Product - Construction Finance/ Real Estate Qualification - CA Roles and Responsibilities: To periodically review targets with sales team to ensure that budgeted targets are met for sales volumes, yields, cross selling etc. To maximize profitability by driving higher spread achievement & effective cost management. Actively involving at transactional level with customers as well as internal stakeholders. Regularly visiting/exploring new avenues of sourcing fresh business. Accompanying the RM/BDM on customer calls with intent of providing structured and tailorment solutions To undertake retention initiatives by promoting performance linked incentive structures & policies. To ensure that periodic functional & behavioral trainings are imparted to all team members, in conjunction with the HR department. To work with the Central Risk teams to identify risk areas and build processes to mitigate risk, including performance metrics and documented procedures. To ensure acceptable asset quality of loans is maintained at all times and there are minimal NPAs; to track the delinquencies very closely. Portfolio Management, Retention of existing clients, Repeat Business from existing clients and Monitoring and collection, Resolving audit queries.