Job Purpose : This role is responsible to manage and grow Pre-Approved Base (PAB) portfolio across consumer lending products such as consumer durable, cross sell, credit card, personal loan and gold loan. The ideal candidate will bring deep domain expertise in the banking sector with a strong understanding of data-driven customer targeting, product strategy, and campaign management. Key Responsibilities: Develop and manage end-to-end strategy for pre-approved offers across lending portfolios. Analyze customer base and identify potential segments for pre-approved credit offers using internal and bureau data. Collaborate with Risk, Product, and Analytics teams to define eligibility, credit policy, and offer parameters. Drive campaign planning and execution in coordination with Marketing, Digital teams. Monitor performance of Pre Approved Base campaigns (approval rate, activation, profitability, delinquencies). Work closely with digital and tech teams to automate journey for offer visibility and fulfillment. Ensure compliance with regulatory and internal policies across all customer communication and campaigns. Continuously refine targeting logic and improve penetration and engagement through data insights. Job Requirements: Post Graduate / MBA 8+ years of experience in banking or financial services, with at least 23 years in managing Pre-Approved Base Exposure to digital lending journeys and automation tools (Salesforce, Adobe, etc.) Experience working with Banks, NBFC, Fintech / Credit Bureaus and data providers (e.g., CIBIL, Experian, CRIF) Strong understanding of retail banking products and customer lifecycle Hands-on experience with credit underwriting criteria and bureau data Proficiency in campaign management and performance tracking tools (Excel, SQL, SAS, Power BI, etc.) Excellent stakeholder management and cross-functional collaboration Ability to work with large data sets and derive actionable insights
Key Responsibilities Be responsible for scaling our analytics capability across all internal disciplines and guide our strategic direction about analytics Organize and analyze large, diverse data sets across multiple platforms Identify key insights and leverage them to inform and influence product strategy Technical Interactions with vendors or partners in technical capacity for scope/ approach & deliverables. Develops proof of concept to prove or disprove validity of concept Working with all parts of the business to identify analytical requirements and formalize an approach for reliable, relevant, accurate, efficient reporting on those requirements Designing and implementing advanced statistical testing for customized problem solving Deliver concise verbal and written explanations of analyses to senior management that elevate findings into strategic recommendations Job Requirements MTech / BE / BTech / MSc in CS or Stats or Maths, Operation Research, Statistics, Econometrics or in any quantitative field 2+ Years experience in analytical domain Excellent analytics, logical, problem solving and numerical skills Experience in using Python Experience in working with large data sets and big data systems (SQL, Hadoop, Hive, etc.) Keen aptitude for large-scale data analysis with a passion for identifying key insights from data Expert working knowledge in various machine learning algorithms such XGBoost, SVM Etc., Expertise in Data Mining, Statistical Analysis, Regression, Logistics Regression, Segmentation, Time Series Forecasting, Market Basket Analysis, Decision Tree, CHAID, Test Mining, Hypothesis Testing, A/B Testing and Modeling
Role & responsibilities Preparation/Review of Monthly schedules based on the GL closure Handling of RBI inspection, Internal Audit, IFC and Statutory Audit. Co-ordination with other stakeholders/departments for smooth function. Validation of RMS report and recon with SAP ledgers. Preparation of RBI related schedule, Indent and filing of RBI returns. Understanding product features and performing UAT in LMS & SAP for new product launch to ensure seamless flow of accounting entries from LMS to SAP
Job Purpose This position is responsible for developing long-term business strategy for TVS Credit from designing, execution and operational management with a strong market perspective by driving high-impact strategic projects across businesses, handling business turnaround and new venture activities & manage M&A integration work within TVSC and acquired company. Key Responsibilities Formulate long-term business plans at the company level by defining long-term company goals (5 years horizon), develop stage goals 2-3 years, and identify opportunities and challenges in the industry, business lines and allied business. Manage M&A integration work within TVSC and acquired company Analyze success factors, identify changing customer trends and size opportunities, provide assessments in our current business lines, and derive strategic priorities. The role involves the determination of medium-term goals and co-creating projects and solutions weaving with various functions such as product, operations, credit, tech, analytics, people, and external partners. Analyzing the global industry landscape, observing trends, identifying potential opportunities, and formulating the growth strategy for lending and allied businesses Translating the strategy plans to actionable initiatives and quantifiable plans over 2-3 years horizon Structure various projects and initiatives to be taken across the organization in order to achieve medium and long-term goals leveraging Technology, analytics, and People. Assess the NBFC market and develop business strategy and design programs across all work streams including business, organization & people, technology and regulatory. Understand Trends and innovation in other relevant industries that can be adapted as best practices and leveraged ahead of the competition for the company LRP plan. Provide inputs to the business transformation and planning team to identify and develop new business models. Frequent business travel to Gururam to drive M&A integration and turnaround Drive strategic projects for TVSC which are horizontal in nature (across businesses and products cross functional) Job Requirements Qualifications - MBA preferably from B-School Experience 5+ years of experience in Corporate Planning, Strategy and Long-Range Plan preferably from Banking / NBFC. Good exposure to M&A integration Strong executive presence and previous experience relating to key customers and articulating company direction, plans, and approach, both in one-on-one environments and presenting to larger groups Ability to think strategically and communicate effectively with all levels of management, with the capability to guide, educate and influence the thinking of senior decision-makers. Experience in reviewing key strategic priorities and translating them into actionable and quantitative plans. Demonstrated ability to work with ambiguity and complex strategic analysis projects. Should have an interest in technology and technology trends. Must be a hands-on individual. Ability to prioritize, analytical thinker, make trade-offs/tough decisions.
Role & responsibilities Looking for Sales Executives under Off Rolls Salary Will be 19k Store Handling Preferred candidate profile
JOB DESCRIPTION Basic Information Position Title Territory Sales Manager Grade/Level Department Sales Location Organizational Relationships Position reporting to Area Sales Manager No. of Direct Reports Job Purpose This role is responsible for achieving the monthly, quarterly and annual sales targets in the respective territories while ensuring compliance with organization policies and procedures. This role would be responsible for driving the overall P&L for the respective territory (Revenue, Assets, Collection & ROTA) Key Responsibilities Managerial Responsibilities Ensure recruitment & target setting of DSAs / DSTs / Dealers based out in different territories Ensure adherence to policies, procedures, processes and other regulatory requirements while conducting sales to increase productivity Functional Responsibilities Responsible for directly managing DSAs / DSTs / Dealers Achieve sales targets by conducting sales / promotion activities Oversee collection efforts for the territory and manage the loss line Negotiate with the credit department for timely approval of loans Ensure timely processing of payments & disbursal amount reconciliation Monitor market intelligence and developments in the various loan products / areas by conducting field visits, meeting DSAs and through constant contact with DSTs / Dealer Job Requirements Qualifications Graduate Experience 5+ years of experience in sales Functional Competencies Sales orientation with strong negotiation skills Behavioral Competencies Good communication and interpersonal skills
Job Purpose This position is responsible to ensure smooth execution of HR processes & systems within the defined process & TAT resulting in delighted engaged and productive employees across the assigned region. Also responsible to meet manpower requirement and provide all HR administrative support to new joiners as well as existing employees at the regions Key Responsibilities Functional Responsibilities Hiring right talent as per the business requirements within target timelines, ensuring a smooth on-boarding to the organization Managing talent movements, providing career opportunities basis performance and potential Responsible for engaging with the employees to ensure retention & productivity Responsible for maintaining operational compliance for different people processes Execute all OD initiatives & other initiatives of corporate HR to achieve a highly engaged workforce at the regions Help the region in creating an environment of trust and to satisfactorily & speedily resolution of any ER issues in the region Close coordination with training & development team to identify specific skill gaps in individual employees and looking at appropriate training interventions to remove those gaps Design and execute employee engagement plan for various functions depending upon their unique engagement needs Publish periodic reports to management and ensure healthy and competitive work environment Job Requirements Qualifications Post Graduate / MBA Experience 5+ years of experience in HRBP role preferably from banking / NBFC Functional Competencies Ability to motivate, influence and persuade at all levels of the organization Ability to develop strong, respectful relationships, to inspire confidence and to build trust Able to network effectively and build constructive working relationships across the company Behavioral Competencies Excellent organizational planning and execution skills Excellent written and verbal communication Good people management skills
Role & responsibilities KYC Verification
Designation Manager Channel management Work Location - Corporate office Key Responsibilities: Data Management & Governance: Manage end-to-end data lifecycle for collections-related data including data collection, validation, cleansing, and storage. Ensure data accuracy, completeness, and consistency across various sources and platforms (loan management systems, CRM, recovery tools). Implement data governance policies to maintain high-quality data standards. Collections Data Analysis & Reporting: Generate periodic reports and dashboards on collections performance, recovery rates, overdue accounts, and related KPIs. Provide actionable insights through data analysis to improve collections strategies and reduce delinquency rates. Collaborate with analytics teams to develop predictive models for risk and recovery forecasting. Process Improvement: Identify data-related bottlenecks and inefficiencies within the collections workflow and propose automation or process enhancements. Work closely with IT and software vendors to enhance data management systems and reporting tools. Compliance & Audit: Ensure collections data management adheres to regulatory requirements and internal policies. Prepare data and documentation for internal and external audits. Team Leadership: Lead and mentor a team of data analysts/associates focused on collections data management. Coordinate with cross-functional teams including Credit, Risk, Operations, and IT. Qualifications & Skills: Educational Qualification: Bachelor’s degree in Finance, Statistics, Computer Science, or related field. MBA or Master’s in Analytics is a plus. Experience: 5+ years experience in data management, collections, or credit risk analytics preferably within NBFC or banking sector. Hands-on experience with collections systems, data warehousing, and BI tools. Technical Skills: Strong knowledge of SQL, Excel, and data visualization tools (Tableau, Power BI). Familiarity with loan management and collections software platforms. Understanding of data governance frameworks and data quality management. Soft Skills: Analytical mindset with attention to detail. Strong communication and stakeholder management skills. Ability to lead and manage teams effectively. Problem-solving and process improvement orientation. Key Performance Indicators (KPIs): Accuracy and timeliness of collections data reporting. Improvement in data quality and reduction in errors. Contribution to increased recovery rates through data insights. Successful implementation of data-driven process improvements.
We at TVS Credit Financial Services are having multiple vacancies for Consumer Durable loans/ Finance officer across Mumbai Interested candidates are welcomed for walk-in interview at below respective office locations, Roles and Responsibilities Having Experience in sales in Consumer Durable loans or any other loans sales with banking or NBFC will be an added advance, Building & Managing relationship with channel partners & customers so as to source the business from Dealership. Sourcing business from allocated dealership Channel partner and direct sales from counters if any. Responsible for documentation of new customers, EMI schemes pitching, Ensuring process & documentation compliance, FI, agreement execution & credit approval. Desired Candidate Profile 12 th/Diploma/Graduation Good dealership management skills Designation : Consumer Durable Loans -Sales Executive Vacancy Locations: 1. Across Mumbai Perks and Benefits Fix salary + Petrol Allowance + attractive Incentives Interested candidates do visit us to the below address walk-in only during the time mentioned: Interview time: 9.30 am to 11 AM Monday to Saturday. Walk interview office Address: TVS Credit Services Ltd SEVENTH FLOOR PLOT NO: 2, OFFICE NO: 702, Ambience Court, Phase 2, Sector 19D, Vashi, Navi Mumbai, Maharashtra 400703
Functional Responsibilities Technology Strategy and Planning, Develop and implement IT strategies aligned with the company's business goals. Ensure that technology solutions support the growth and scalability of the business. Stay updated on the latest technology trends to drive innovation. Project Management : IT projects from conception to execution, ensuring they are delivered on time and within budget by using Agile Methodology. Analyzing user needs: Manager to collaborate with business and Business analysts to understand software requirements and user needs. Vendor and Stakeholder Management : Manage relationships with external vendors, software providers, and third-party consultants. Business Continuity and Disaster Recovery: Develop and implement disaster recovery plans to minimize downtime in case of system failures. Performance Monitoring and Reporting : Track key performance indicators (KPIs) related to IT services and operations. Report on system performance, project progress, and resource utilization to senior leadership. Qualifications MTech / BE / BTech / MSc in CS. Experience 10 + Years experience in IT and Software Development. Functional Competencies Experience in Angular/React 15+. Experience in Angular/React JS 1+. Experience in NBFC domain is preferable. Knowledge in Digital payment domain is desirable. Experience in AWS cloud platform is Mandatory. Experience in Asp.net to Angular/Java migration will be added advantage. Experience in Java Spring boot. Experience to manage ASP.Net and Web API will be added advantage. Working Knowledge in Data base of Oracle / My SQL is mandatory.
Position Title : .NET Developer Location : Chennai Department : IT Reporting To : Technical Lead / Project Manager Experience Required : 3+ years Employment Type : Full-Time Job Purpose The .NET Developer will be responsible for designing, developing, and maintaining robust and scalable enterprise applications using .NET technologies. This role requires a strong foundation in C#, ASP.NET, and Oracle databases, along with front-end development skills and experience in API development. The ideal candidate will contribute to high-quality technical solutions that align with TVS Credits digital transformation objectives. Key Responsibilities Design, develop, test, and deploy applications using C#, ASP.NET , and the .NET framework . Collaborate with team members to build responsive front-end interfaces using HTML, CSS, JavaScript, and jQuery . Develop and consume RESTful APIs and web services for system integrations. Work with Oracle and SQL Server databases, ensuring efficient data storage and retrieval. Implement data access solutions using Entity Framework or other ORM frameworks. Follow and apply object-oriented programming (OOP) principles and software design best practices. Participate in peer code reviews and contribute to continuous improvement in development processes. Troubleshoot and resolve technical issues across the full software development lifecycle. Ensure application performance, quality, and responsiveness through rigorous testing and optimization. Stay updated with new technologies and suggest enhancements to improve functionality and efficiency. Job Requirements Qualifications Bachelor’s degree in Computer Science, Information Technology, or a related field. Minimum 3 years of relevant experience in .NET development. Functional Competencies Proficiency in C#, ASP.NET , and .NET Framework/.NET Core . Experience with Oracle and SQL Server databases. Hands-on knowledge of HTML, CSS, JavaScript , and jQuery . Familiarity with Entity Framework or other ORM tools. Expertise in RESTful API design and implementation. Strong understanding of object-oriented programming (OOP) principles. Knowledge of version control systems like Git is an added advantage. Experience with Agile methodologies is desirable. Behavioral Competencies Strong problem-solving and analytical thinking. Ability to work collaboratively in a team environment. Good communication and interpersonal skills. Attention to detail and commitment to high-quality deliverables. Willingness to learn and adapt to evolving technologies.
Role & responsibilities Outcome of Risk assessment Compliance control point shall be defined, and testing will be carried out. Planning and execution of Compliance testing. Establish and maintain comprehensive compliance testing programs to identify, assess, and highlight compliance risks. Monitor and test compliance by performing sufficient and representative Compliance testing and result of such compliance testing shall be reported to the Senior Management. Track Compliance testing observation open points, coordinate with respective team for implementation and track until closure of testing. Responsible for executing the proposed Compliance projects. Support the reporting manager on regulatory reporting. Support the reporting manager in handling / preparedness of RBI inspection like Co-ordinate with respective team, data collection, review the documents and Finalization of RBI datas, day to day RBI Correspondences, returns filing and circulation of Compliance MIS.
As a Branch Manager for the Gold Loan Division at TVS Credit, you will play a pivotal role in the success of our branch operations. Your responsibility will encompass driving business growth, ensuring operational excellence, and fostering a customer-centric environment to maximize profitability and customer satisfaction. Manage overall Gold Loan portfolio, drive disbursements, vault safety, compliance, and customer service. Lead branch marketing initiatives to boost visibility and business growth. Coach and mentor branch staff; enable continuous learning and performance improvement. Prepare timely reports; use data insights for strategic decisions to grow market presence. Drive customer acquisition and retention by offering seamless gold loan experiences. Maintain high-quality loan portfolio; ensure timely collections and manage NPAs proactively. Ensure accurate gold appraisal and adherence to purity tests and audit protocols. Safeguard proper storage of gold and cash assets in compliance with safety norms. Enforce opening/closing and vault procedures; uphold all safety and compliance standards.
JOB DESCRIPTION Basic InformationPosition Title Territory Debt Recovery Manager Grade/Level O1 Department Debt Management Location Organizational RelationshipsPosition reporting to Area Debt Recovery Manager No. of Direct Reports Job Purpose This position is responsible to drive collections in the respective territory (s) and ensure sustainability of the business through timely collection & recovery Key ResponsibilitiesManagerial Responsibilities Recruitment & training for the collections team for effective collections & recovery Review the activities of the collections teams operating in different areas on a daily basis; ensure collectors are productive and efficient Ensure adherence to collection processes in the territory, i.e., system allocation, tracking, monitoring delayed cash deposition; identifying & reporting fraudulent practices Functional Responsibilities Allocation of accounts to collectors / agencies, monitoring their performance on a daily basis Monitor and ensure adherence to collection process and report the fraudulent practices of agencies / agents Conduct regular filed visits for handling customer grievances & provide required assistance; ensure on-time collection / repossession Job RequirementsQualifications Graduate Experience 5 years of experience in handling collections Functional Competencies Ability to work with integrated systems used for tracking & monitoring collections Operational execution Behavioral Competencies Relationship Management (critical for retaining key customers) Strong communication and interpersonal skills
Purpose We are looking for a dynamic and experienced CX professional to lead and support customer experience initiatives across the organization. The role will involve CX planning, data-driven presentation development, project execution, and cross-functional collaboration to improve customer journeys and service delivery. Key Responsibilities Support the CX in developing and driving customer experience roadmaps. Contribute to annual and quarterly CX planning, reviews, and strategy alignment with business goals. Prepare high-quality business presentations for CX planning, Monthly Performance Reviews (MPR), and leadership meetings. Sound knowledge on Fintech tools and business opportunities. Convert raw data into meaningful insights and visuals (PPTs, dashboards, charts, etc.). Interpret CX-related data (complaints, service levels, etc.) and translate them into actionable insights. Lead and support customer experience improvement projects (digital, service, process re-design) Ensure project timelines and outcomes are met. Analytical mindset with attention to detail. Experience in managing customer journey mapping or design thinking projects. Self-driven with ability to manage multiple priorities. Qualifications Graduate / Postgraduate in Business, Marketing, or related fields Experience 10 -12 years experience in handling Customer Experience Management, planning and Projects Functional Competencies Exceptional interpersonal, customer service, problem-solving and conflict resolution skills Proven experience in customer experience, data analysis, and planning presentations. Flexible and open to work in shifts and on holidays Understanding for operational budgets and expenses Strong knowledge of Excel, PowerPoint, and basic analytics tools. Understanding of digitization and industry paced fintech applications Good communication, presentation, and stakeholder management skills. Familiar with NPS, CSAT, complaint handling frameworks, VOC (Voice of Customer) analysis Dashboard and MIS preparation and management Project management experience will be a strong advantage. Behavioral Competencies Strong Analytical and Problem-Solving skills Proven interdepartmental coordination and competent team player Excellent written and verbal communication skills Ability to work independently in a fast-paced environment Please share profiles at pallavi.singh@tvscredit.com
Role & responsibilities Branch-Level Activities: Manage and oversee the Gold Loan portfolio of the branch, ensuring effective utilization and growth. Lead all branch-level activities to drive business growth, including loan disbursement, cash management, vault keeping, customer service, and compliance with company policies. Collaborate with the team to drive field-marketing activities, promoting various gold loan schemes and enhancing brand visibility. Team Leadership: Coach, mentor, and provide timely feedback to employees, fostering a high-performance culture within the branch. Facilitate training to enhance employee skills and professional development. Reporting and Analysis: Prepare accurate and timely reports related to branch performance, functioning, and operational metrics. Utilize data insights to identify areas for improvement and strategic decision-making to increase the presence of TVS Credit in the Gold Loan market for your catchment. Customer Engagement: Focus on customer engagement strategies to acquire new customers and ensure their retention. Assist clients throughout their Gold Loan Financing journey, addressing their needs and concerns. Business Quality Performance: Maintain and enhance the quality performance of the branch's gold loan business by implementing necessary actions for growth. Ensure timely and effective collection activities, while proactively managing provisions for NPAs, to maintain financial health and compliance within the branch for Gold Loan business. Valuation and Compliance: Maintain accurate valuation appraisal of gold ornaments pledged in the branch, ensuring compliance with company policies and audit standards. Verify weight and purity assessments as required through acid and salt test, pointed scratch test, weight test, smell test usability test, flexibility test, sound test etc. Ensure proper storage and safety of gold and cash assets in the vaults allocated Risk Management: Ensure the branch opens and closes in adherence to company compliance norms, maintaining operational integrity. Oversee and validate safe operations conducted by designated employees, upholding company policies without compromise for smooth functioning of gold financing operations. Uphold safety standards for branch infrastructure and operations, ensuring a secure and risk-free environment. Safeguard gold assets stored in branches and vaults, rigorously maintaining security standards to prevent compromise. Preferred candidate profile Chennai - Branch Manager -Gold loan Sales
Job Purpose: This role is responsible for leading the strategy, development, and execution of digital lending products across Two-Wheeler Loan, Used Two-Wheeler Loan, Used Car Loan and other retail credit offerings. This role blends product innovation, customer experience, risk management, and digital transformation to drive growth and profitability. Key Responsibilities: Strategic Leadership: Define and execute the digital lending roadmap aligned with business goals Drive innovation in loan products, customer journeys, and digital platforms Lead cross-functional teams across product, tech, marketing, and operations Product Development: Design and launch retail loan products (Two-Wheeler, Used TW, Used Car etc.) with digital-first features Implement DIY and phygital (physical + digital) customer journeys Leverage data analytics and alternate credit scoring models Customer Experience: Optimize onboarding, application, and servicing processes for seamless digital engagement Personalize offerings based on customer segments and behavioral data Risk & Compliance: Collaborate with credit and risk teams to define underwriting policies Ensure compliance with regulatory standards and data privacy laws Channel Management: Expand acquisition through digital, branch, DSA, and fintech partnerships Build embedded finance and co-lending ecosystems Performance & Growth: Own P&L for digital retail lending products Design and launch schemes (Two-Wheeler, Used TW, Used Car etc.) with digital-first features Driving the business through field team Monitor KPIs including disbursements, yield, cost of acquisition, and NPA ratios Job Requirements: Bachelors degree in Finance, Business or Technology; MBA preferred 15+ years of experience in retail lending, fintech or banking Proven track record in launching and scaling digital lending platforms Strong understanding of credit risk, data analytics, and customer behavior Leadership experience in managing cross-functional teams Tech-savvy with a strategic mindset and customer-centric approach Strategic and analytical thinking Strong communication and interpersonal skills Problem-solving and decision-making skills Strong networking and People Management skills
Job Title: Java Developer Location: Chennai, India Experience: 3 to 5 years Employment Type: Full-time Job Summary: We are looking for a talented Java Developer with 3 to 5 years of experience to join our growing team in Chennai. The ideal candidate should have strong hands-on expertise in Core Java, Spring Boot, JavaScript, and React Native, along with solid experience in working with Oracle and PostgreSQL databases. Exposure to MuleSoft and Salesforce is a strong advantage. Key Responsibilities: Design, develop, and maintain high-quality Java-based applications using Core Java and Spring Boot. Collaborate with front-end teams to build user-facing applications using React Native and JavaScript. Work on database design and optimization using Oracle and PostgreSQL. Develop APIs and microservices for scalable enterprise solutions. Participate in all phases of the software development lifecycle, including analysis, design, development, testing, and deployment. Conduct code reviews, troubleshoot issues, and ensure code quality. Collaborate with cross-functional teams for seamless integration and delivery. Required Skills: Strong proficiency in Core Java and Spring Boot. Experience with JavaScript and React Native. Hands-on experience with Oracle and PostgreSQL. Good understanding of REST APIs and Microservices architecture. Familiar with version control systems (e.g., Git), Agile methodologies, and CI/CD pipelines. Nice to Have: Knowledge of MuleSoft for application integration. Experience with Salesforce or its integration with backend systems. Educational Qualifications: Bachelor's degree in Computer Science, Engineering, or a related field. What We Offer: Opportunity to work on cutting-edge technologies and enterprise-level projects. Collaborative and growth-oriented work environment. Competitive salary and employee benefits. Work-life balance and career development support.
Role & responsibilities Recovery Management Payment/EMI Recovery Field Collection Job Target Oriented Preferred candidate profile Decent Communication Self motivated Target driven approach Should have a vehicle Age limit - 19yrs to 33 yrs