18 Unsecured Lending Jobs

Roles and Responsibilities Ensures compliance with all current, relevant, and applicable laws, regulations, rules, guidelines (internal/external), documentation and governance. Applies extensive knowledge of relevant field to solve problems. Excellent verbal and written communication skills to effectively interact with stakeholders at various levels. Strong analytical and critical thinking abilities to access the impact of process changes and call out with relevant stakeholders prior to implementation. Ability to work collaboratively with cross-functional teams to understand their business needs and translate them into solutions. Strong MS Office skills Excel, Word, PowerPoint etc. Detail-oriented with a focus on Documentation. Strong leadership and interpersonal skills to effectively foster a positive working environment. Builds strong influencing relationships across teams and with key frontline stakeholders. Excellent problem-solving and decision-making abilities. Major Requirement 3+ years of experience in Australia Lending. 18+ months in the current role for internal candidates 3 years of overall experience in Banking Operations in which Experience with Delivering Trainings, Managing Process Changes and Driving Continuous Improvements are preferred. Professional certifications related to Project Management are desirable.

The Zonal Head will hold ultimate responsibility for all collection activities and performance across a designated large geographical zone. This role requires a visionary leader who can set strategic direction, optimize processes, and build robust collection capabilities to achieve zonal recovery goals. We have openings in multiple locations: Delhi, Haryana, Punjab, Himachal, Madhya Pradesh, Maharashtra, Gujarat, Rajasthan, Uttar Pradesh, Ncr, West Bengal, Odisha, Karnataka, Telangana, Andhra Pradesh Key Responsibilities: Formulate and execute comprehensive collection strategies for the entire zone, aligned with national objectives. Lead, guide, and motivate a team of Regional Heads/State Heads and their underlying collection structures to deliver aggressive recovery targets. Monitor, analyze, and report on zonal collection performance, identifying key drivers and areas for strategic intervention. Ensure strict adherence to all legal, regulatory, and ethical standards across the zonal collection operations. Drive operational efficiencies through process improvements, technology adoption, and best practice sharing. Manage zonal budget, resource allocation, and cost-effectiveness of collection efforts. Identify, attract, and retain top collection talent within the zone. Foster a culture of high performance, accountability, and continuous improvement. Collaborate cross-functionally with Product, Tech, Risk, and Operations teams to enhance collection outcomes. Represent the collections function in strategic discussions and present zonal performance to top management. Qualification Master's degree (MBA preferred) in Business Administration, Finance, or a related field. 5 To 12 years of senior leadership experience in debt collection, with a significant tenure in managing multi-regional or zonal operations within a digital lending fintech or a large NBFC. Proven expertise in developing and executing large-scale collection strategies. Extensive knowledge of the digital lending landscape, credit risk, and collection technology. Exceptional leadership, strategic thinking, problem-solving, and communication skills. Strong understanding of data analytics and its application in collection optimization. Proficiency in data analysis tools (ex. Tableau, Power BI) and advanced MS Excel

Role Overview: The Relationship Manager will support the City Lead in driving business growth through the DSA channel. This role involves managing day-to-day operations, coordinating with DSAs, and ensuring smooth execution of strategies to achieve revenue and performance targets. Key Responsibilities: Operational Support: Assist the City Lead in managing the DSA portfolio and ensuring target achievement. Monitor daily lead flow, eligibility rates, and loan disbursal performance. Stakeholder Coordination: Act as a liaison between DSAs and internal teams to resolve operational issues. Build and maintain strong relationships with DSA partners to enhance business engagement. Performance Tracking: Track key performance metrics such as eligibility rates, average ticket size (ATS), and approval-to-disbursal conversion rates. Provide regular updates and reports to the City Lead on channel performance. Market Analysis: Gather insights on competitor practices in the DSA ecosystem. Provide inputs on opportunities for improving policies and processes. Process Optimization: Support in streamlining the digital journey for DSAs and customers. Identify gaps in the DSA experience and propose actionable solutions. Training and Development: Facilitate the onboarding and training of new DSA partners. Educate DSAs about new policies, products, and process enhancements. Key Skills and Competencies: Strong communication and relationship management skills. Ability to analyze data and derive actionable insights. Familiarity with personal loan underwriting processes and DSA operations. Proficiency in using CRM tools and other business management software. Problem-solving mindset with a focus on operational excellence. Qualifications and Experience: Bachelors degree in Business, Finance, or a related field. 2-4 years of experience in financial services, preferably in the DSA channel or a similar role. Knowledge of personal loan products and the digital lending ecosystem is an added advantage. Key Performance Indicators (KPIs): Lead-to-disbursal conversion rates. Improvement in DSA partner engagement and satisfaction. Timely resolution of operational issues. Achievement of assigned revenue targets through the DSA channel. Note: Candidates must know how to drive, possess a valid Driving License (DL), and have their own vehicle. They should also be flexible to work from DSA offices whenever required.

Job Profile: Achieve sales target for Personal Loan from DSAs by acquiring new DSAs and maintaining existing relationships by visits at predefined frequency Sourcing to be strictly as per policy parameters & acceptable risk norm of the organisation Ensure activation of channels on monthly basis by regular engagement, training & relationship with DSAs To coordinate with the product management and marketing team, for effective training of DSA of our USPs & Policy guidelines and promotional material if any for customer acquisition at local level Ensuring sourcing mix of Corporate DSA: Retail DSA, SEP: SENP profile, Uniform Disbursement, WIRR, PF% & Insurance penetration Coordinate with functional teams to resolve issues concerning DSAs including pay-outs, login issues etc. Manage & coordinate DSAs on a regular level to oversee seamless journey for loan application process Preferred candidate profile Any Graduate or Post-Graduate with 3+ years of experience in unsecured loan sales and channel management

Role & responsibilities - Product - PL & BL Job Title - Relationship Manager -DSA CTC - 6Lpa - 7.5 Lpa Education - Min. Graduate Age 32 years Requirement * Achieving sales targets for Pl & BL product with Business Relationship and DSA * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Branch Locations - Interested candidate share your updated resume or any reference if you have.

Role & responsibilities - Product - PL & BL Job Title - CRE/RO Education - Min. Graduate Age 32 years Requirement * Achieving sales targets for Pl & BL product with Business Relationship and open market * Target new client acquisition through sourcing of leads and Business conversation in conjunction with channel partners * Follow the standardized process and documentation norms for quick and complaint closure of client request. Branch Locations - Ludhiana, Chandigarh, Hisar & Rewari Interested candidate share your updated resume or any reference if you have.

Roles and Responsibilities Manage credit proposals from sourcing to disbursement, ensuring timely decision-making and high-quality appraisal reports. Conduct thorough credit analysis, assessment, and evaluation of loan applications within defined policy guidelines. Develop strong relationships with customers through effective communication and negotiation skills. Collaborate with internal teams to resolve customer queries and issues related to loan processing. Ensure compliance with regulatory requirements, risk policies, and procedures. Desired Candidate Profile 5-10 years of Credit Underwriting experience in Unsecured Lending (Business Loans) or similar roles. Strong understanding of Credit Underwriting principles, practices, and regulations. Excellent analytical skills for conducting comprehensive credit assessments and evaluations. Ability to work independently with minimal supervision while maintaining high levels of accuracy and attention to detail. Interested candidates can share their updated resume to Maruthu.PandianP@Piramal.com or whatsapp - 7305615420

Role & responsibilities The Head Risk Policy will be responsible for development and implementation of optimum risk framework, policies and processes in Retail Lending (Secured & Unsecured Loans). The role is a that of a key member of management and responsible for evaluating and recommending the degree of acceptable risk and reward levels for the products and to set policies, processes, underwriting, portfolio management criteria and methods including the use of statistical models and techniques where appropriate. The role is also responsible for analyzing financial results from the products in particular relating to the major items of risk and reward (revenue, collections, provisions and write offs) and reports on the effectiveness of all major programs for changes where required. KPI's : To develop and implement risk management framework To develop, implement various policies and processes to ensure optimum risk management within the organizations risk appetite framework and compliance to regulatory guidelines To drive development, acquisition and implementation of systems that improve, enhance and monitor new lending applications Audits and Monitoring Support the audit teams and monitor and implement their observations To develop portfolio monitoring for effective risk monitoring To ensure effective early warning signals to management and develop risk recovery policies for defaulted loans Team Development Preferred candidate profile Preferably Post Graduate with 15+ years experience in Head Risk Policy for Retail Lending Segment (Secured & Unsecured Loans).

Digital lending PL Product designing, strategy implementation for PL Only digital PL products designing experience is preferred with Basic understanding of Risk analysis ,credit analysis, portfolio management Lifecycle management HR- 8855045944

Role & responsibilities Preferred candidate profile

Area Sales Manager Personal Loans Location: Bangalore (Koramangala, near Forum Mall) Age Limit: Up to 35 years CIBIL Score: Minimum 650 Ticket Size: Up to 30 Lakh Key Responsibilities: Drive sales growth and client acquisition through direct and DSA sourcing. Identify, segment, and approach potential clients with customized loan offers. Build strong relationships with DSAs to boost unsecured loan volumes. Ensure faster loan sanctioning by collaborating with internal teams. Track and report sales productivity and operational metrics. Maintain SLA adherence and recommend process improvements. Support business development initiatives and contests to foster a high-performance sales culture.

Greetings..!!! Please find out the JD for your reference Role: Regional Sales Manager Product-Unsecured business loan

Designation-Relationship Manager/Sales Manager/Area Sales Manager Product-Loan against property/Unsecured Business loan Location- Hyderabad/Vizag/Vijaywada Team handling/ DSA Vertical

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

The position offers excellent exposure and growth potential to a professional who would like to join the core team engaged in setting up a new nationwide organization, and participate in its growth. The position involves setting up the DSA network for the sales function in NeoGrowth, and will be the responsible for identifying, selecting and appointing DSA network as well as monitoring. 1. To grow the retail loan business and achieve the targeted loan book size. 2. To increase the productivity in terms of value and number of loan disbursals as a team. 3. To optimize the cost of merchant acquisition per disbursal. 4. To increase the income from each merchant acquisition. 5. Identifying, Recruiting and Driving channel partners & DSTs on a continuous basis to ensure continuing sales growth. 6. Responsible for generating business through DSAs/DSTs. 7. Should have direct experience in working out & negotiating commercial agreements. 8. Ensuring basic business quality parameters such as TAT, Lead Management etc maintained by the team 9. Ensuring basic Sales Process in the team by imparting continuous Product and Process training for the front end team, setting individual Sales Target and Monitoring regular productivity etc 10. Recruitment and Training of FOS, 11. Experience in designing incentive plans, motivational programmes and engagement activities. 12. Sphere-heading various awareness and lead generating activities done by the team (such as Road Shows) in order to increase the inflow of customer enquiry which further resulting into increased business volume 13. Accountable for the profitability of the channel and productivity of team members 14. Exposure to fraud prevention and detection 15. Coordinating with collection department in resolving non starters and delinquency cases. 16. Incorporating various check-points within the sales process of the team to ensure quality sourcing by the team ensuring acquisition of quality assets. Qualification & Experience Graduate in Commerce/Science 10 to 15 years of experience in a Bank/Insurance company or a NBFC out of which atleast 5 to 7 years of retail loan selling is a must. Management degree in finance/business from reputed institute will be given preference. Job Profile

Position-Sales Manager-Unsecured Business Loan (DSA)

Drive sales of Unsecured Business loan via DSAs & open market. Handle lead generation, customer acquisition, documentation, and disbursement. Ensure portfolio quality, track competition, and maintain MIS & sales pipeline for business growth

Role & responsibilities: This position would include the mentioned set of responsibilities but not limited to: Underwriter corporate card applications which includes interpreting and analyzing financial statements, understanding and having an informed view of the borrowers credit facilities from BoB, interpreting the CIBIL and CMR reports amongst others. Should have good understanding on legal aspects of documentation requirements w.r.t application form, board resolution, undertakings, auto-debit mandates etc. Should be able to decision correctly and properly in terms of assigning corporate card limits balancing risk management norms along-with facilitating adequate corporate spends. Should be able to mentor and coach team-members to help improve the quality of approval notes and the teams ability to correctly analyze financial information. Should be able to effectively and with clarity address queries from sales Teams and should work towards minimizing the same. Underwrite corporate card applications through a holistic approach involving taking a 360- degree view of the corporate including the industry in which it operates, news & updates related to the corporate and any information which is discernible through social media. Should working towards clearing pendencys without compromising on quality. Should also be able to contribute in improving and further building of MIS and dashboarding pertaining to corporate card underwriting. Applicants should possess the following attributes: Minimum experience in underwriting at a manager level position in unsecured lending (cards/PL) in corporate underwriting with a reputed Bank/NBFC. Good understanding of interpreting / analysis of financial statements and treatment of various line items appearing in the balance sheet and P&L and supporting schedules. Has worked extensively in the corporate lending space and has the ability to read the fine print in financial statements. Would be an added advantage if has awareness of thirdparty credible and reliable sources for retrieving key corporate financial data. Has knowledge for essential risk related norms pertaining to underwriting especially in the corporate card/corporate lending space. Brings with him an understanding and awareness of best practices in unsecured underwriting, corporate lending and has an informed view on competition benchmarking including acceptable industry level TAT for underwriting corporate proposal.