7 Unsecured Jobs

Role & responsibilities Develop and implement sales strategies to achieve business goals. Build and maintain strong customer relationships to ensure repeat business. Drive personal loan sales through DSAs.

Role & responsibilities Develop and implement strategies to achieve LAP and UBL sales targets. Lead and motivate a team of sales executives to ensure performance goals are met. Identify and develop new business opportunities and channel partnerships. Monitor market trends and competitor activities. Sourcing through DSAs and team.

Role & responsibilities 1. Sourcing through DSA and team. 2. Achieving monthly targets. 3. Field sales.

Role & responsibilities 1. Sourcing from DSA and team. 2. Field sales. 3. Achieving monthly targets.

Key Responsibilities: Team Management: Lead, train, and supervise a team of collection executives or agents. Set monthly targets and monitor team performance. Ensure adherence to quality standards and call scripts. Collection Strategy: Develop and implement effective recovery strategies for personal loan accounts. Segment delinquent accounts (30+, 60+, 90+ DPD) and design focused action plans. Coordinate with legal teams for escalated cases (e.g., settlements, litigation). Portfolio Management: Monitor overdue accounts, track collection metrics, and reduce NPAs. Review MIS reports and identify trends, root causes, and opportunities for improvement. Collaborate with credit and risk teams to refine underwriting and approval processes. Customer Interaction: Resolve customer disputes and grievances tactfully and within regulatory frameworks. Ensure collection efforts are empathetic, ethical, and customer-friendly. Compliance & Reporting: Ensure adherence to RBI guidelines and company policies. Maintain documentation of interactions, recovery efforts, and settlements. Submit regular reports to senior management on collection progress and challenges. Qualifications: Education: Bachelor's degree (required); MBA or relevant certification (preferred) Experience: 58 years in retail finance collections, preferably in personal loans Skills: Strong leadership and interpersonal skills Analytical and decision-making ability Knowledge of local laws and recovery procedures Proficiency in MS Office and collection software/CRM tools Key Performance Indicators (KPIs): Reduction in DPD/Delinquency ratios Recovery rate and resolution efficiency Number of accounts settled/closed Team productivity and target achievement Compliance and audit scorecards

Greeting from Infosys BPM Ltd., We are hiring candidates for Consumer Real Estate Underwriting Skill. Please walk-in for interview on 25th March 25 at Bangalore Location Note: Please carry copy of this email to the venue and make sure you register your application before attending the walk-in. Please use below link to apply and register your application. Please mention Candidate ID on top of the Resume *** Process Specialist- 2Yr to 4Yrs experience: https://career.infosys.com/jobdesc?jobReferenceCode=PROGEN-EXTERNAL-205489 Interview details: Interview Date: 25th Feb 25 Interview Time: 9:30 AM till 12 PM Interview Venue: JP Nagar: Infosys BPM Limited., #785, Ground Floor Axis Sai Jyoti, 15th Cross 100 Feet Road, Sarakki, 1st Phase. J P Nagar, Bengaluru, Karnataka 560078. Landmark: Near Sindhoor Convention Centre (NOTE: No Candidate parking facility will be available Documents and things to Carry:: Carry a print out your updated resume; Carry any 2 photo Identity proof (PAN Card/Driving License/Voters ID card/Passport). All original education documents need to be available for verification. (10th, 12th, Graduation (Sem Wise Marksheet, CMM. Provisional and Original Degree) Candidates to carry mobile charger and ear/headphones to the hiring venue for in-person assessments and evaluations Job Description: Job description for Consumer Non Real Estate Underwriting Key Accountabilities Review and decision credit applications: Reviews credit applications through the Branch Banking, and Online Portal origination sources and supplies a response in a timely manner. Responds directly to questions pertaining to loan requests and works through the origination sources to give quality and well documented replies. Formulates consistent and accurate decisions, adhering to Bank, Fair Lending, ECOA and OCC guidelines. Ability to engage lenders to advise on loan decisions. Re-evaluation of loan structure with second reviews, obtaining additional information and re-working of application is necessary to accommodate clients needs and develop strong working relationships. Corrects erroneous contracts and ensures decisions are within guideline limitations. Actively participates in weekly meetings, addressing items and areas of concern and developing an action plan to address and remedy any issues. Maintains a strong knowledge of lending guidelines. Credit Quality Targets and Exceptions: Aligns individual purchase policy with Bank initiated targets, in both credit quality and exceptions, to maximize market share and improve on Portfolio profitability. Monitors monthly and annual credit losses, identify negative trends, and incorporate guidelines to minimize losses on individual and segment portfolios. Key Competencies Communication Ability to clearly communicate (via written or verbal) loan decision to Lender. Offer alternative deal structure within ONB procedural guidelines when applicable. Directly inform managers of any issues that may arise and file PSAR if necessary. Manage accounts until liquidated, assist loan support, and remedy any customer questions in reference to the account. Actively participate in weekly meetings. Accountability and Attention to detail Every decision on a loan (approvals, denials, counters) require specific regulatory items that need to be followed. With these loans, proper documentation, write ups and communications are required for each individual application. All decisioned loans are maintained in the individual portfolio and monitored monthly. Underwriters are responsible for the loans until paid in full. Underwriter will accept responsibility for keeping portfolio within controlled limits. Ensures all exceptions are well founded, with supporting documents and detailed write ups, within the application. Drive and Execution Daily shifts in volume require ability to work well with others and strive to meet individual and department goals. Constantly identifying areas in need of improvement and developing work plans to improve on these areas. Plans appropriately, offer suggestions on improving individual/team performance and assists in additional work tasks as they become available. Interview Location: JP Nagar Work Location: Bangalore Qualification: Graduates & Post graduation Designation: Process Specialist Shifts: US Shift Experience: 2Yr to 4Yrs Pointers to note: Please do not carry laptops/cameras to the venue as these will not be allowed due to security restrictions. Original Government ID card is must for Security Clearance Regards, Infosys BPM Recruitment team.

Role-Regional Sales Manager-Business Loan Locations- Chennai, Hyderabad, Mumbai, Bengaluru, New Delhi, Kolkata, Haryana (Karnal/Panipat) Role & responsibilities 1. Sales Strategy Development: Develop and execute a comprehensive sales strategy for the designated region, aligning it with the overall business objectives and growth plans of the NBFC, while ensuring that the strategies meet the specific requirements of the region. 2. Team Leadership and Management: Recruit, train, and manage a team of sales managers and executives within the region, providing strong leadership, guidance, and support to ensure the achievement of sales targets and the effective implementation of sales strategies. 3. Market Analysis and Research: Conduct in-depth market research and analysis to identify market trends, customer preferences, and competitor activities within the region, providing insights that inform sales strategies and help in the development of competitive pricing and promotion strategies. 4. Relationship Management: Foster and maintain strong relationships with key clients, partners, and stakeholders within the region, ensuring effective communication and collaboration to drive business growth and expansion within the territory. 5. Performance Monitoring and Reporting: Monitor and analyze sales performance metrics within the region, including sales volume, revenue targets, market share, and customer acquisition costs, providing regular reports and insights to senior management for informed decision-making and strategic planning. 6. Sales Process Optimization: Streamline the sales process within the region, from lead generation to closure, by implementing efficient sales techniques, tools, and technologies to enhance the overall customer experience and increase the conversion rate of leads into sales. 7. Compliance and Documentation: Ensure compliance with all regulatory requirements and internal policies within the region, particularly those related to sales and financial transactions, while maintaining accurate documentation and records in accordance with company guidelines. 8. Training and Development: Identify training needs within the sales team and develop training programs to enhance their skills, product knowledge, and sales techniques, ensuring that the team remains updated on industry trends and best practices. 9. Revenue Generation and Profitability: Focus on revenue generation and profitability within the region by implementing effective pricing strategies, managing costs, and exploring cross-selling opportunities, while ensuring that the sales operations within the region contribute positively to the overall financial performance of the NBFC. 10. Managing the sales operations across the designated area, with a focus on promoting unsecured business loan products through a network of Direct Selling Agents (DSAs). 11. Recruiting, training, and managing DSAs to ensure the achievement of sales targets and adherence to company policies and guidelines. Preferred candidate profile - A bachelor's degree in business administration, finance, marketing, or a related field is desired educational requirement. - Minimum 10 12 years of experience in sales, preferably in the financial sector or a related industry, with a focus on consumer finance or related products. Minimum 8 years of experience in unsecured loan sales. - Proven track record in sales and sales management, including experience leading and managing sales teams. - Sales Leadership: Strong leadership skills to effectively lead and manage a regional sales team, set and achieve sales targets, and motivate and coach team members.