Key Responsibilities: Conduct hind sighting file reviews for all financially approved cases based on allocation. Complete file reviews within the specified turnaround time (TAT). Review loan applications, KYCs, product fitment, business and vintage proofs, income proof, legal reports, documents, and property valuations. Assess the creditworthiness of borrowers through credit appraisal (CAM). Perform cash flow analysis to determine customer income and evaluate CIBIL obligations (Derogs). Derive loan eligibility based on income and obligations. Apply LTV (Loan-to-Value) and DSR (Debt Service Ratio) norms. Check deviation matrix as per policy. Verify documents sampled for pre-disbursement files. Highlight serious process and policy violations related to credit, customer business, collateral, TRC, and neighbor checks. Assess ownership of the business, years in business (YIB), and collateral condition. Escalate observations to the line manager for resolution or obtain proper deviations. Ensure timely closure of all open observations and follow up on query resolutions. Review the hind sighting template quarterly and suggest improvements. Ensure compliance with company policy and process requirements. Exhibit strong communication and email writing skills. Qualifications: Proven experience in credit appraisal and file review. Strong analytical and problem-solving skills. Excellent attention to detail and accuracy. Good knowledge of LTV and DSR norms. Ability to assess business ownership, years in business, and collateral condition. Proficient in cash flow analysis and understanding CIBIL obligations. Strong communication and email writing skills. Ability to work independently and as part of a team.

Key Responsibilities: The leader shall be part of technology team, focus shall be on technology and applications in use To act as a digital catalyst to bring the next level of IT revolution in Vistaar To bring innovative technological solutions to keep the company at the forefront in the market To identify areas of digitization and provide time based solutions to increase the efficiencies of the stake holders To think creatively and critically about the application functionality and complex business scenarios Managerial Responsibilities Responsible for incorporating agile ways of working to accelerate transformation Largely responsible for recognizing areas for improvement and implement changes so that the transformation is delivered by a resilient, predictable and continuously improving operations culture in the organization Develop insights into expectations from the functions and includes a solid foundation in competitive intelligence with an understanding of how disruptive competitors are creating value for their customers Scan external ecosystem to identify current technology, resources or vendors that are viable partners to compliment, innovate and add value to strategic initiatives Ensure effective stakeholder engagement and communications. Ensure organizational alignment in the design and execution of initiatives Surfaces capacity, pacing, resourcing issues and any other red flag issues needing leadership attention Implement effective and scalable technology solutions to deliver the IT strategy roadmap of the organization with a hybrid approach of: In-house application development and off-the shelf solutions integration with existing IT applications Deliver IT projects within the committed timelines Regular review and periodic reporting on the progress of on-going projects to stake-holders and senior management Groom business analysts to ensure business requirements get finalised and signed-off in a timely manner and have predictable timelines for delivery Responsible for mentoring, hiring & skill enhancement of the team To build a highly motivated, engaged and outcome focused team Functional Responsibilities To conceptualize and bring innovative digital solutions Implement effective and scalable technology solutions to deliver the IT strategy roadmap of the organization In-house application development and off-the shelf solutions integration with existing IT applications Analyse and assess the scope, timelines and cost to build technology solutions for different business initiatives during the course of the year and its impact on approved technology budgets Recommend buy vs build on IT solutions for different business requirements based on understanding of existing architecture, technology compatibility and future scalability (Solution selection process) Participate in the IT budgeting process to ensure the IT strategy roadmap gets delivered in predictable time and predictable cost Job Requirements Qualifications Bachelor of Engineering (Computer Science)/MCA Experience Minimum experience of 10 years of having a solid track record of leading successful enterprise projects with strong technical skills. The experience in Banking and Financial Services, implementation of multiple medium to large size technology projects is required proven track record of success in implementing business transformation and digital initiatives enterprise wide Be data driven. Adopting AI and other automation tools Experience in application development in Microsoft technologies (Microsoft .Net, MVC, Integrations of applications and external interfaces using APIs and database integration services). Direct experience in IT application development, managing a team, Technology solution building Ability to build IT processes related to cyber resilience and implementation of IT Security across business applications. Vulnerability assessment of applications and experience in managing IT audits. Understanding of cloud software, SaaS, mobile technologies, IT operations would be preferred.

Job Summary: As a Regional Sales Manager, you will be responsible for overseeing and expanding the Home Loans division within your designated region. You will lead a team of Sales Managers and ensure the achievement of sales targets, customer satisfaction, and overall business growth. Your role will involve strategic planning, team management, and fostering relationships with key stakeholders to drive the success of the home loan products. Key Resposibilities: Develop and execute regional sales strategies to achieve home loan sales targets and objectives. Lead, mentor, and manage a team of sa les mana gers, providing guidance and support to maximize their performance. Monitor and analyze sales performance metrics, identifying areas for improvement and implementing corrective actions. Build and maintain strong relationships with real estate agents, builders, and other partners to generate leads and drive business growth. Conduct regular training sessions to enhance the team's knowledge of home loan products, sales techniques, and market trends. Ensure compliance with company policies, industry regulations, and legal requirements in all sales activities. Prepare and present regular sales reports to senior management, highlighting achievements, challenges, and opportunities for growth. Stay updated with industry trends, competitor activities, and market conditions to identify new business opportunities. Provide exceptional customer service by addressing client inquiries, resolving issues, and ensuring a smooth home loan application process. Quliafications: Bachelor's degree in any discipline , Finance, or a related field. MBA is a plus. Proven experience in sales management, preferably within the home loans or mortgage industry. Strong leadership and team management skills, with a track record of achieving sales targets. Excellent communication, negotiation, and interpersonal skills. In -d epth knowledge of home loan products, market trends, and industry regulations. Proficiency in using CRM software and other sales tools. Ability to work independently and collaboratively in a fast -p aced environment. Strong analytical and problem -s olving skills. Customer- focused mindset with a commitment to delivering exceptional service.

Key Responsibilities: The leader shall be part of technology team, focus shall be on technology and applications in use To act as a digital catalyst to bring the next level of IT revolution in Vistaar To bring innovative technological solutions to keep the company at the forefront in the market To identify areas of digitization and provide time based solutions to increase the efficiencies of the stake holders To think creatively and critically about the application functionality and complex business scenarios Managerial Responsibilities Responsible for incorporating agile ways of working to accelerate transformation Largely responsible for recognizing areas for improvement and implement changes so that the transformation is delivered by a resilient, predictable and continuously improving operations culture in the organization Develop insights into expectations from the functions and includes a solid foundation in competitive intelligence with an understanding of how disruptive competitors are creating value for their customers Scan external ecosystem to identify current technology, resources or vendors that are viable partners to compliment, innovate and add value to strategic initiatives Ensure effective stakeholder engagement and communications. Ensure organizational alignment in the design and execution of initiatives Surfaces capacity, pacing, resourcing issues and any other red flag issues needing leadership attention Implement effective and scalable technology solutions to deliver the IT strategy roadmap of the organization with a hybrid approach of: In-house application development and off-the shelf solutions integration with existing IT applications Deliver IT projects within the committed timelines Regular review and periodic reporting on the progress of on-going projects to stake-holders and senior management Groom business analysts to ensure business requirements get finalised and signed-off in a timely manner and have predictable timelines for delivery Responsible for mentoring, hiring & skill enhancement of the team To build a highly motivated, engaged and outcome focused team Functional Responsibilities To conceptualize and bring innovative digital solutions Implement effective and scalable technology solutions to deliver the IT strategy roadmap of the organization In-house application development and off-the shelf solutions integration with existing IT applications Analyse and assess the scope, timelines and cost to build technology solutions for different business initiatives during the course of the year and its impact on approved technology budgets Recommend buy vs build on IT solutions for different business requirements based on understanding of existing architecture, technology compatibility and future scalability (Solution selection process) Participate in the IT budgeting process to ensure the IT strategy roadmap gets delivered in predictable time and predictable cost Job Requirements Qualifications Bachelor of Engineering (Computer Science)/MCA Experience Minimum experience of 6 years of having a solid track record of leading successful enterprise projects with strong technical skills. The experience in Banking and Financial Services, implementation of multiple medium to large size technology projects is required proven track record of success in implementing business transformation and digital initiatives enterprise wide Be data driven. Adopting AI and other automation tools Experience in application development in Microsoft technologies (Microsoft .Net, MVC, Integrations of applications and external interfaces using APIs and database integration services). Direct experience in IT application development, managing a team, Technology solution building Ability to build IT processes related to cyber resilience and implementation of IT Security across business applications. Vulnerability assessment of applications and experience in managing IT audits. Understanding of cloud software, SaaS, mobile technologies, IT operations would be preferred.

Key Responsibilities: Managerial Responsibilities: Lead the team responsible for legal recourse to recover from delinquent customers. Oversee local advocates to ensure swift action on assigned cases. Functional Responsibilities: Manage all legal and delinquency-related actions, including sending demand notices, LRN, arbitration, Lok Adalat, and civil suits. Adhere to agreed TAT (Turnaround Time) for initiating actions. Support the collection and branch teams in recovering from NPA (Non-Performing Assets) cases. Ensure advocates and arbitrators are appointed as per the process. Initiate appropriate legal actions against defaulting customers, such as: Arbitration Sections 9 & 17 of the Arbitration and Conciliation Act Criminal complaints Execution petition filing Initiation of Section 138 of the Negotiable Instruments Act Handle cases under Section 138 of the Negotiable Instruments Act and matters under Section 9 of the Arbitration and Conciliation Act. Draft SARFAESI notices, including: Demand notices under Section 13(2) Possession notices under Section 13(4) Job Requirements: Qualifications: Minimum graduation. A degree in law is preferable but not essential. Experience: 5-8 years of experience in financial services, preferably NBFCs/Banks, dealing with legal cases/arbitration. Experience in recovery from hard bucket cases is essential. Functional Competencies: The role requires 10-12 days of travel for legal and collection-related actions on the ground. Proficiency in MS Office (Word, PowerPoint, Excel). Basic accounting skills. Behavioral Competencies: Strong writing and speaking ability in English. Knowledge of Regional Langauge (Read & Write) is essential. Knowledge of another Indian language is preferred but not essential. Excellent communication skills, especially in dealing with local advocates, court officials, police, and challenging customers. Ability to work with minimal direction. Self-starter. Ability to prioritize, multi-task, delegate, and proactively resolve problems.

Key Responsibilities: Managerial Responsibilities: Lead the team responsible for legal recourse to recover from delinquent customers. Oversee local advocates to ensure swift action on assigned cases. Functional Responsibilities: Manage all legal and delinquency-related actions, including sending demand notices, LRN, arbitration, Lok Adalat, and civil suits. Adhere to agreed TAT (Turnaround Time) for initiating actions. Support the collection and branch teams in recovering from NPA (Non-Performing Assets) cases. Ensure advocates and arbitrators are appointed as per the process. Initiate appropriate legal actions against defaulting customers, such as: Arbitration Sections 9 & 17 of the Arbitration and Conciliation Act Criminal complaints Execution petition filing Initiation of Section 138 of the Negotiable Instruments Act Handle cases under Section 138 of the Negotiable Instruments Act and matters under Section 9 of the Arbitration and Conciliation Act. Draft SARFAESI notices, including: Demand notices under Section 13(2) Possession notices under Section 13(4) Job Requirements: Qualifications: Minimum graduation. A degree in law is preferable but not essential. Experience: 5-8 years of experience in financial services, preferably NBFCs/Banks, dealing with legal cases/arbitration. Experience in recovery from hard bucket cases is essential. Functional Competencies: The role requires 10-12 days of travel for legal and collection-related actions on the ground. Proficiency in MS Office (Word, PowerPoint, Excel). Basic accounting skills. Behavioral Competencies: Strong writing and speaking ability in English. Knowledge of Regional Langauge (Read & Write) is essential. Knowledge of another Indian language is preferred but not essential. Excellent communication skills, especially in dealing with local advocates, court officials, police, and challenging customers. Ability to work with minimal direction. Self-starter. Ability to prioritize, multi-task, delegate, and proactively resolve problems.

Job Purpose: The Security Architect will be responsible for designing, implementing, and maintaining the overall security posture of the NBFC's IT infrastructure, applications, and data. This role involves developing and enforcing security policies, standards, and procedures to protect the organization from cyber threats, ensuring compliance with regulatory requirements, and safeguarding customer data. The Security Architect will work closely with IT, risk management, and business teams to align security strategies with business objectives. Key Responsibilities: Information Security Strategy Develop and implement an organization-wide information security strategy and vision. Align information security initiatives with business goals and objectives. Stay abreast of emerging threats and technologies to adapt the security strategy accordingly. Meeting and Board Presentation Participate in senior management meetings. Present the security strategy and vision to the board. Present risk and mitigation plans to the risk committee. Risk Management Identify, assess, and prioritize information security risks. Develop and implement risk mitigation strategies. Establish risk management frameworks and policies. Security Policies and Procedures Develop, implement, and enforce information security policies and procedures. Ensure compliance with relevant laws, regulations, and industry standards. Promote security awareness and education throughout the organization. Incident Response and Management Develop and maintain an incident response plan. Lead and coordinate responses to security incidents. Conduct post-incident reviews and implement improvements. Security Architecture Design and implement a robust information security architecture. Evaluate and select security technologies and tools. Ensure the integration of security measures into the organization's IT infrastructure. Security Awareness and Training Develop and implement security awareness programs for employees. Provide training to staff on security policies and best practices. Vendor and Third-Party Risk Management Assess and manage the security risks associated with external vendors and third-party relationships. Ensure that third-party contracts include appropriate security requirements. Compliance Monitor and ensure compliance with relevant data protection and privacy laws. Coordinate with legal and compliance teams to address regulatory requirements. Ensure compliance with relevant regulatory requirements (e.g., RBI guidelines, DPDPA, Cert-In, etc.). Security Audits and Assessments Conduct regular security audits and assessments. Prepare and maintain documentation for audits and regulatory inspections. Ensure the effectiveness of security controls and measures. Security Governance Establish and chair a security governance committee. Report regularly to executive leadership and the board on the state of information security. Budget and Resource Management Develop and manage the information security budget. Allocate resources effectively to support security initiatives. Collaboration and Communication Collaborate with other senior executives to integrate security into overall business strategies. Communicate effectively with stakeholders about the importance of information security. Provide guidance and training to employees on security best practices and awareness.

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Role & responsibilities: Outline the day-to-day responsibilities for this role. Preferred candidate profile: Specify required role expertise, previous job experience, or relevant certifications.

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Note - Only candidates with experience corporate HR function from NBFC, Microfinance, Loan Business experience are requested to apply. We are looking for Immediate joiners with 30 days or less notice period. Role & responsibilities The incumbent should have experience in Talent acquisition in a complete HRBP role with organizations catering to NBFC, micro finance and Small Finance Banks; Prior experience in Head hunting, People management, Leadership Hiring, on boarding and exit management is mandatory. Compliance, Training & Development, Organizational development functions experience is desired but not mandatory. We are a NBFC who specialise in lending for small and medium enterprises with a robust workforce who rate us as an employer of choice. Preferred candidate profile Minimum 9+ years of overall experience in TA & Talent Management function for a high-volume sales-oriented organization in BFSI Segment. The role requires someone who is adept at strategy as well as hands on approach. The role shall require an individual who has experience in headhunting very senior roles up to C-Suite. Prior experience in market mapping and good understanding of the various roles in financial domain will be an advantage. Perks and benefits CTC and perks shall not be a constraint for the deserving candidate.

Role & responsibilities: Creating a high-quality portfolio CRO is responsible for both creating and maintaining a high-quality portfolio. Sourcing of Files through Channels/DSA for Mortgage Loan Achievement of monthly target through Ensuring on-time collections Contact - 8830134813

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Roles and Responsibilities Develop new markets by identifying potential customers and expanding the company's presence in existing markets. Handle channel sales management responsibilities to achieve targeted revenue growth through effective relationship building and negotiation skills. Identify new business opportunities by developing strategic alliances with DSA channels, MSME lenders, NBFCs, SME lenders, and other relevant partners. Manage relationships with existing clients to increase revenue generation through cross-selling and upselling secured loan products. Collaborate with internal teams to resolve customer issues and improve overall satisfaction.

Roles and Responsibilities Develop and maintain credit risk models using statistical modeling techniques such as logistic regression, predictive modeling, scorecards, etc. Collaborate with stakeholders to identify business requirements and develop data-driven solutions for credit risk analysis. Design and implement operational analytics frameworks to support decision-making processes. Conduct exploratory data analysis (EDA) to identify trends, patterns, and correlations in large datasets. Provide insights on portfolio performance by analyzing historical data and making recommendations for improvement. Desired Candidate Profile 5-10 years of experience in Credit Risk Analysis & Modeling or related field. Strong background in statistics with expertise in financial analytics, collection analytics, HR analytics, marketing analytics. Proficiency in programming languages like SAS/SQL/Python; knowledge of statistical algorithms is essential.