Hiring : Cluster Sales Manager (Loan Against Property, Micro LAP) Key Responsibilities: Business Growth & Sales Strategy Develop and implement sales strategies to achieve business targets for Loan Against Property across assigned cluster. Drive business through a strong network of DSAs, channel partners, and direct sourcing. Team Leadership & Development Lead, mentor, and motivate a team of Sales Managers and Business Development Executives. Set performance goals for the team and track their achievements. Conduct regular training sessions to enhance product knowledge and sales skills. Relationship Management Build and maintain strong relationships with key stakeholders, including channel partners, clients, and internal teams. Compliance & Risk Management Ensure adherence to company policies, regulatory guidelines, and risk management practices. Work closely with the credit and risk teams to ensure smooth processing and disbursal of loans. Qualifications & Experience: Education: Any Graduate. MBA/PGDM preferred. Experience: 8-12 years of experience in sales, with 3-5 years in managing Loan Against Property (LAP) products.

Role/ Designation - Closure Team (AM / DM) Sub Department - Central Operations Experience - 4/6 years of relevant work experience in Bank / NBFC Key Responsibilities: Expertly manage the processes of loan foreclosure, cancellation, and rebooking to ensure seamless transitions and customer satisfaction. Efficiently handle Repo and SOD accounts, ensuring accurate and timely updates. Process waivers and refunds for both active and closed accounts, maintaining meticulous records. Work closely with internal teams such as Customer Service, Collections, Sales, and Branch Operations to streamline processes and enhance customer experience. Ensure timely and accurate updates of transactions in loan accounts, maintaining data integrity. Identify opportunities for process improvements in the reconciliation workflow and implement best practices to enhance efficiency and accuracy. Ensure all activities comply with internal policies and regulatory requirements. Skills Required: Managing and supervising a team: Leading, training, and overseeing the work of closure team members. Ensuring accurate and timely loan closures: Overseeing the process to ensure all necessary steps are completed efficiently and in compliance with regulations and internal policies. Handling complex loan closure issues: Utilizing analytical and problem-solving skills to resolve any discrepancies or challenges that arise during the closure process. Working with various stakeholders: Communicating effectively with borrowers, internal departments (e.g., legal, credit), and potentially external parties. Utilizing relevant systems and tools: Employing accounting software and Microsoft Excel for data analysis, reporting, and process management. Meeting strict deadlines: Ensuring all closure activities are completed within established timelines.

Role/ Designation - Customer Service Specialist (AM / DM) Sub Department - Central Operations Experience - 4/6 years of relevant work experience in Bank / NBFC Key Responsibilities: Lead the customer service team Work effectively across a variety of communication channels: phone, email, Portal, social media, etc. Delight customers during every service interaction Collect and analyze feedback after completing customer enquiries Work collaboratively with teammates to solve customer issues quickly and efficiently Report customer complaints and escalate issues when necessary to prevent customer dissatisfaction. Keep the record of customers and follow-up with them on a timely basis for better customer experience. Retain customers by answering questions and providing suggestions that lead to short- and long-term success. Skills Required: Prior work experience in bank / NBFC handling Customer excellence team Understanding of how CRM system works Excellent verbal and written communication skills Passion for consistently providing world class customer experience Emotional intelligence and an empathetic propensity to read between the lines and understand what the customer is saying, and what they mean Comfortable managing several competing task and issues in a fast-paced environment Attention to detail, organisation skills, and superior time management skills The ability to work independently as well as in team environment Patience and the ability to remain calm while adapting to a variety of situations The willingness to learn and help. Problem solver and result driven.

Preferred candidate profile Role: Payroll Manager Qualification: Graduate or Post-Graduate Experience: At least 6 years in handling Payroll (preferably 2000 + employees) Location: Kurla West, Mumbai - Daily WFO. Key Responsibilities: Manage the entire payroll cycle with accuracy and within timelines Create payroll schedule and share it with the payroll partner Collate all Payroll inputs concerning new joiners, bonuses, incentives, attendance etc. Review and validate payroll inputs with the output files Ensure adherence to statutory obligations i.e. PF, PT, ESIC, LWF and TDS including filing the returns with the local government bodies within timelines Create Payroll summary and share it with Chief People Officer and Chief Financial Officer every month for approval Review final settlements of employees in line with the companys policy Generate Payroll reports and create JV as per the requirement of the Finance team Address employee queries on salaries, tax saving, deductions, payslips and reimbursements Guide employees on tax saving declarations, Form 16 and Investment proofs

Job Title: Cluster Business Head - Emerging Markets (MSME/LAP/Secured BL) Location: Hyderabad Reporting To: Regional Sales Head Responsibilities Includes: Responsible for establishing the brand by overseeing the sales team and business development activities for secured LAP/BL affluent segment for all the branches in purview. Prepare branch wise implementation plan to achieve defined targets in alignment with the geography Ensure achievement for overall sales and cross sell targets for the cluster through building and development of internal team of BDEs and DSTs and channel partners, while ensuring maintenance of required standards for customer satisfaction, profitability metrics and product mix Devise strategies/means to continually improve product Disbursements in Mass Affluent and affordable segments for all branches in the cluster and guide the teams in operationalizing the same through DSTs and Channel partners. Evaluate market trends and gather competitive information to plan and undertake measures for expansion of the business within the geographic limit of the area as budgeted and act as the feedback loop from branch to region. Conduct regular visits to the locations to nurture the relationships established by the internal team and channel partners and collaborate with alliance partners and distributors to grow the market presence. Ensure implementation of SOPs and best practices across all branches mapped to the cluster and guide Branch Managers how to best achieve business targets and manage productivity. Monitor annual budgeted expenses and manage resources within budgetary guidelines according to the company policy. Minimize audit deviations by ensuring compliance to all policies and processes for the cluster Track and analyze reports and MIS, review and implement performance sheets and provide feedback to Branch Managers for course correction. Preferred candidate profile 8-10 years of experience in a mid-sized Banking or NBFC firm Experience of recruiting and training of sales team and channel partners Experience of managing multiple branches with deep knowledge and understanding of the local market Excellent written & verbal communication skills Ability to work under tight deadlines. Knowledge of compliance regulations as issued by NHB, RBI etc.

Job Title: Relationship Manager - Emerging Markets (MSME/LAP/Secured BL) Location: Hyderabad Reporting To: Branch Manager Responsibilities Includes: Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP, Mortgage, and Business loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Job Title: Branch Manager - Emerging Markets (MSME/LAP/Secured BL) Location: Hyderabad, Nagarkurnool, Peddapalli, Mancherial Reporting To: Cluster Business Head Responsibilities Includes: Business target: Responsible for achievement of Disbursement targets allotted to the branch Responsible for the meeting the Weighted Average Yield target allotted to the branch. • Responsible for Portfolio growth of the branch and retention of existing customers. Lead generation & management activities • Monitoring the activities of the BDEs and ensure regular flow of business • Empanelment of the direct sourcing agents to ensure regularly and steady flow of business from major sourcing channels • Planning & execution of marketing activities of the location with a monthly calendar and monitoring the same on a daily basis • Monitoring productivity of the BDEs and ensuring that all of them meet the productivity norms on monthly basis Principal Accountabilities Business Process flow & Management Responsible for loan file logins as per the product & policy norms of UGRO. Location visits to meet the identified customers for appraisal of the loan proposal • Ensuring proper & complete documentation of loan file put up for sanction. • Management of post sanction documentation i.e. disbursement documentation. • Ensuring customer satisfaction for all loans sanctioned & disbursed. Team recruitment & training • Responsible for recruitment of BDEs, training them and ensuring the productivity levels as per the norms of the company. Portfolio Quality Management • Responsible for management of portfolio quality. • Responsible for closure of outstanding post disbursal documentation • Handling chronic / delinquent accounts and initiating appropriate action for regularization of the loan Educational Qualification: Any Graduate / Post Graduate. Experience: minimum 01 to 03Years as a Branch Manager with any reputed NBFC, with overall minimum 05 to 08years into Secured Mortgage sales

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role & responsibilities Handling pre & post disbursement documentation (coordinating with the customers and handling documentation for loan & capital market transactions) Sourcing files from the market and submitting them to the Branch Manager for disbursement Understanding of the Local market Strong interpersonal skills, which encourage and promote enthusiasm and team spirit Sales / Develop business of LAP loans through direct sourcing from the Local market base Responsible for processing documentation of Loans & other financial services. Responsible for cross selling all products and achieving individual & team/branch targets. Customer-focused need-based selling Customer relationships and maximize penetration

Role : Cluster Business Head Qualifications & Experience: Education: Any Graduate. MBA/PGDM preferred. Experience: 8-12 years of experience in sales, with 3-5 years in managing Loan Against Property (LAP) products. NBFC is mandatory. Currently must be managing 4-5 sets of branches. Location : Virar/Mira Road Key Responsibilities: Business Growth & Sales Strategy Develop and implement sales strategies to achieve business targets for Loan Against Property across assigned cluster. Drive business through a strong network of DSAs, channel partners, and direct sourcing. Team Leadership & Development Lead, mentor, and motivate a team of Sales Managers and Business Development Executives. Set performance goals for the team and track their achievements. Conduct regular training sessions to enhance product knowledge and sales skills. Relationship Management Build and maintain strong relationships with key stakeholders, including channel partners, clients, and internal teams. Compliance & Risk Management Ensure adherence to company policies, regulatory guidelines, and risk management practices. Work closely with the credit and risk teams to ensure smooth processing and disbursal of loans.

We are seeking self-motivated and analytically driven professionals to join our Risk Analytics team. The ideal candidate to have a strong background in Credit Risk or Portfolio Risk Management , with the ability to derive actionable insights through robust data analysis. You will work closely with cross-functional teams and contribute toward maintaining and improving portfolio quality across lending products. Key Responsibilities Develop insights and recommendations to support business decisions and risk mitigation strategies Contribute to Expected Credit Loss (ECL) modeling, loss forecasting, and stress testing exercises Evaluate Early Warning Signal (EWS) frameworks using internal and external data sources as well as developing & deploying new models Collaborate with Credit, Product, and Business teams to drive risk-based strategies Participate in portfolio performance reviews and highlight emerging risk trends Required Skills & Competencies Experience in portfolio risk assessment, especially in Retail and/or SME lending Strong analytical skills with an eye for detail and a problem-solving mindset Proficiency in Python for data analysis and model development Advanced Excel user able to work with pivot tables, lookups, and automation Self-starter with the ability to work independently as well as in a team environment Familiarity with credit appraisal processes and risk assessment methodologies is an added advantage Educational Qualifications CA / MBA / B.Tech / Postgraduate degree in Statistics, Economics, or related quantitative field Experience 1-2 years of experience in the lending business of a Bank or NBFC Preferably worked in Credit Risk / Portfolio Monitoring / Risk Analytics functions