1408 Working Capital Jobs - Page 18

Role & responsibilities Achieves sales targets through • Effective Client interaction and Negotiation skills • Engage with the DSAs, Chartered Accountants and Connectors in the for sourcing new business on a regular basis • Raises escalation on delinquent cases/ potential NPAs and closely monitors these through the team for collection dues. 2. Client Acquisition & Relationship Management • Acquisition of new clients • Cultivate a deeper customer bonding by ensuring faster TATs in collaboration with the Credit Team, enabling the use of technology to improve operational efficiencies & responsiveness in customer service.

Hiring: Sales Manager – Loans Products: Machinery, Home, Business, Mortgage, LAP CTC: 5 LPA Exp: 2–5 yrs in loan sale

Entity:- Accenture Strategy & Consulting Team:- Strategy & Consulting Global Network Practice:- Financial Services - Banking Title:- Data Science Consultant Job location:- Mumbai About S&C - Global Network:- Accenture Consulting works at the heart of its clients' organisations and helps address their most complex issues. As an experienced financial services professional, your market-leading industry, management and technology expertise will provide critical solutions that answer unparalleled strategic, operational, technology and sourcing demands. And, in doing so, you'll improve the future of the global financial services industry. Accenture serves the world's leading financial services organisations across three industry groups Banking :Retail and commercial banks and diversified financial institutions. Capital Markets :Investment banks, broker/dealers, asset-management firms, depositories, exchanges, clearing & settlement organisations. Insurance :Property and casualty insurers, life and annuity insurers, reinsurance firms and insurance brokers. Whats in it for you Youll be part of a diverse, vibrant, global Accenture data science community, continually pushing the boundaries of analytical capabilities Get to work with top financial clients globally Build new skills, grow existing skills, develop new areas of expertise within functional and technical areas of business Get access to resources that will allow you to leverage the latest technologies and bring innovation to life with the worlds most recognizable companies What you would do in this role Client EngagementWork closely with clients to understand their business goals and challenges. Develop data & AI strategies aligned with business objectives and industry best practices. Collaborate with business stakeholders to understand analytical requirements and deliver actionable insights Data Analysis and ModelingApply statistical and machine learning techniques to analyze large datasets Design, develop, test and implement solutions based on business requirements and strategic direction. Perform testing of data to check adherence to internal, processes, policies and regulatory guidelines from RBI. Develop predictive models and algorithms to extract valuable insights. Collaborate with business stakeholders to understand analytical requirements and deliver actionable insights. ML OpsDesign the data pipelines and engineering infrastructure to support our clients enterprise machine learning systems at scale. Take offline models data scientists build and turn them into a real machine learning production system. Develop and deploy scalable tools and services for our clients to handle machine learning training and inference. Identify and evaluate new technologies to improve performance, maintainability, and reliability of our clients machine learning systems. Support model d Qualification NA

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Card Operations Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Review the dispute claim to determine the authenticity of the card chargeback claim and honor the request as per regulation E. What are we looking for Adaptable and flexibleCommitment to qualityPrioritization of workloadResults orientationStrong analytical skills Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Job Purpose To ensure all loan proposals are processed within defined TAT and credit delivery to the customer (both internal and external customers), with very low defects/reworks, and increasing efficiency of operations and vendor competence improvement. Adherence to the policy/process laid out by the Central team on all application being processed Very close monitoring on Non-starters / EMR / 3-30 & 6-60 trends so as to ensure healthy portfolio. Audit compliance on all aspects stipulated by Head office, and regulatory compliance in the location. To interact closely with other functions such as Sales/Operations/Collections in ensuring a smooth delivery of corporate objectives. To ensure vendor report quality

About The Role : Deploying Forex hedging strategies to mitigate the risk of adverse currency movements and Forex management covering related compliances there on Supporting front office on deal confirmation, to manage end to end FX operations for the group, setting up fx limits with banks and FX related compliances Implementation of Hedge Accounting and disclosures as per IFRS/ Local GAAPs, liasioning with auditor to resolve queries Setting up working capital facility, negotiations on pricing with banks and financial institutions for raising fund and non-fund based facilities to meet working capital requirements and for long term debt. Ensuring smooth renewal of Credit rating /D&B rating/ Valuations Qualifications B Com, CA, CWA, MBA with 7 to 10 years experience. Strong exposure to Foreign exchange market and accounting Job Location

Job Details - Experience : Min1- 2 yrs in Mortgage,Prime LAP, Working Ca - Loan Ticket Size : 20lpa Cr to 25Cr - Education : Graduation - Salary : *Max 9- 9.5 LPA* (Depends on Last Drawn) - Location : *Mumbai-Thane& Pune * - Walk-in Interview

M.Com with 15 years of experience in finance and accounts, preferably in manufacturing or industrial environments Accounting principles, taxation, & compliance requirements for manufacturing operations Budgeting, cost management & Working capital Required Candidate profile Prepare and monitor annual budgets, forecasts, and periodic financial reports (MIS) financial management, accounting, statutory compliance including GST, TDS, Income Tax, and other applicable laws

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: Any Graduation Years of Experience: 0 to 1 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Ability to work well in teamCommitment to qualityExcellent analytical and problem-solving skillsDetail orientationWritten and verbal communicationProficient in relevant software applications, such as Microsoft Office and financial analysis toolsIn this role you are required to solve routine problems, largely through precedent and referral to general guidelines.Your primary interaction is within your own team and your direct supervisor.In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised.You will be an individual contributor as a part of a team with a predetermined, narrow scope of work.Please note that this role may require to work in night shift. Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Senior Analyst Qualifications: Any Graduation Years of Experience: 5 to 8 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Responsibilities/Authorities Should be able to review the US financial statements of the borrowers/guarantors, calculate/interpret the financial ratios.Understand and Analyze the company / borrower performance based on financials, cashflow, and other secondary informationUnderstand the type of facilities and exposure of the borrower to asses the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance.Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp wayIdentify the Risk associated with the borrower / company and mention it accordingly in the review along with the possible mitigants with justification. Performing assignments/deals/tasks of moderate complexityWorking with limited supervision, Performing tasks with some degree of independent decision making, Ability to take judgment callsContributes to cycle time improvement and efficiency of the teamCommunicating in correct English with clients, both orally and written. Analytically sound to take decisions on effectiveness of Controls. Advanced Proficiency required in English Language to create documentation.PROCESSESCommercial Banking Operations, Servicing, Collateral Management.Responsibilities/Authorities Should be able to review the US financial statements of the borrowers/guarantors, calculate/interpret the financial ratios.Understand and Analyze the company / borrower performance based on financials, cashflow, and other secondary informationUnderstand the type of facilities and exposure of the borrower to asses the Loss Given Default and the Probability of Default. Should have knowledge of financials ratios impact on the overall performance.Ability to summarize borrower, financials, cashflow. Industry performance details in a clear and crisp wayIdentify the Risk associated with the borrower / company and mention it accordingly in the review along with the possible mitigants with justification. Performing assignments/deals/tasks of moderate complexityWorking with limited supervision, Performing tasks with some degree of independent decision making, Ability to take judgment callsContributes to cycle time improvement and efficiency of the team Roles and Responsibilities: In this role you are required to do analysis and solving of increasingly complex problems Your day to day interactions are with peers within Accenture You are likely to have some interaction with clients and/or Accenture management You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments Decisions that are made by you impact your own work and may impact the work of others In this role you would be an individual contributor and/or oversee a small work effort and/or team Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Com.Bkg- Loan/Lease Abstraction - Lease Management Designation: Banking Operations Associate Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do "We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.An end-to-end service allowing for IFRS and U.S. GAAP compliance in the financial reporting of leases, overseeing all aspects of the lease agreement process, from coordinating the creation of a new lease to managing day-to-day administrative tasks, overseeing the administration, tracking, and auditing of lease documents, and monitoring the business and financial transactions for lease properties. " What are we looking for "Lease Admin domain expertise who is well versed in lease set up and administration and CAM reconciliation." Roles and Responsibilities: "In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts" Qualification BCom,MCom,Master of Business Administration

Skill required: Core Banking Operations (incl. Payments) - Retail Banking Account Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Perform account maintenance services, account closure, deceased customer processing and US legal order processing. What are we looking for Contract conversion non voice Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations New Associate Qualifications: BCom/MCom/Master of Business Administration Years of Experience: 0 to 1 years Language - Ability: English(Domestic) - Intermediate About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Written and verbal communicationGood knowledge on Accounting concepts Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your primary interaction is within your own team and your direct supervisor In this role you will be given detailed instructions on all tasks The decisions that you make impact your own work and are closely supervised You will be an individual contributor as a part of a team with a predetermined, narrow scope of work Please note that this role may require you to work in rotational shifts Qualification BCom,MCom,Master of Business Administration

Skill required: Ret.Bkg- Credit UW - Retail Banking Operations Designation: Banking Operations Associate Qualifications: Any Graduation Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Retail banking operations refer to the day to day activities and services provided by banks to individual customers or consumers. These operations encompass a wide range of financial products and services designed to meet the personal banking needs of individuals. What are we looking for Contract conversion voice Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification Any Graduation

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Senior Analyst Qualifications: BCom Years of Experience: 5 to 8 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Good CommunciationGood Communciation Roles and Responsibilities: In this role you are required to do analysis and solving of increasingly complex problems Your day to day interactions are with peers within Accenture You are likely to have some interaction with clients and/or Accenture management You will be given minimal instruction on daily work/tasks and a moderate level of instruction on new assignments Decisions that are made by you impact your own work and may impact the work of others In this role you would be an individual contributor and/or oversee a small work effort and/or team Please note that this role may require you to work in rotational shifts Qualification BCom

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: BCom Years of Experience: 1 to 3 years Language - Ability: English(Domestic) - Elementary About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Accounting Journal EntriesFinancial AnalysisBanking, Financial ServicesAccounting & Financial Reporting StandardsCommitment to qualityAbility to handle disputesDetail orientationAgility for quick learningAbility to meet deadlines Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification BCom

DIRECT BANK ON-ROLL Job Title: Relationship Officer - Business Loans Experience: Fresher or 4-5 years Salary: Up to 4 LPA Job Description: We're seeking a motivated and customer-focused Relationship Officer to join our Small Enterprise team, specializing in Secured and Unsecured Business Loans. The ideal candidate will be responsible for: - Sourcing new clients through field visits and referrals - Assessing customer requirements and suggesting suitable loan products (ticket size 5-25 lakhs) - Guiding customers through the loan application process - Ensuring timely collection of dues and managing the loan portfolio - Building strong, long-term relationships with clients - Achieving monthly targets for disbursement, collection, and portfolio quality Requirements: - Good understanding of secured and unsecured business loans - Strong communication and interpersonal skills - Goal-oriented with a strong customer service mindset - Willingness to work in a target-driven environment - Prior sales or field experience in financial services preferred (for experienced roles) LOCATIONS - Bhagalpur - Jamui Branch Katihar- Katihar Samastipur - Sheohar Branch Bhagalpur- Munger Muzaffarpur - Mahnar Muzaffarpur - Bhagwanpur Muzaffarpur - Jhanjharpur Branch Siwan - Siwan Patna - Sasaram Samastipur - Saharsa

Skill required: Commercial Banking Operations - Core Banking Designation: Banking Operations Associate Qualifications: CA Inter/ICWA(Inter)/CS Inter Years of Experience: 1 to 3 years About Accenture Combining unmatched experience and specialized skills across more than 40 industries, we offer Strategy and Consulting, Technology and Operations services, and Accenture Song all powered by the worlds largest network of Advanced Technology and Intelligent Operations centers. Our 699,000 people deliver on the promise of technology and human ingenuity every day, serving clients in more than 120 countries. Visit us at www.accenture.com What would you do We help clients address quality and productivity issues, keep pace with customer expectations, navigate regulatory and operational pressures and ensure business sustainability by transforming their banking operations into an agile, resilient operating model.The Corporate banking /Wholesale banking team is responsible for helping clients and organizations processes trade finance transactions by providing superior service delivery to trade customers whilst safeguarding the bank from risks associated with this business.Develop and deliver core banking solutions for the applications that process the essential functions of banks, including account management, interest calculations, cash deposits and withdrawals processing, customer management and product management. What are we looking for Good communication and Analytical skills, Good understanding on financial statements and ratios Roles and Responsibilities: In this role you are required to solve routine problems, largely through precedent and referral to general guidelines Your expected interactions are within your own team and direct supervisor You will be provided detailed to moderate level of instruction on daily work tasks and detailed instruction on new assignments The decisions that you make would impact your own work You will be an individual contributor as a part of a team, with a predetermined, focused scope of work Please note that this role may require you to work in rotational shifts Qualification CA Inter,ICWA(Inter),CS Inter

About Wholesale Banking Coverage Group (WBCG)The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil amp; Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities About the Role: The Relationship Manager is responsible for the achievement of the budgeted targets by sourcing NTB business through channels/self-sourcing and customer relationship management. The Job holder also coordinates post sanction formalities such as, disbursement, cross-sell, compliance of statutory and internal audit issues and provides industry/segment specific feedback to Geography and Central Office team Key Responsibilities: Generate leads by identifying potential industrial areas/trading units and prepare strategies to increase the Banks penetration in those areas Manage the internal (Branches/ other business verticals) and external (empanelled outsourced agencies) lead generating channels to generate the expected business Enable the sanctioning process by ensuring conduct and scrutiny of pre-disbursement activities Liaison with Corporate Banking Operations team and Centralized Processing Unit to enable smooth completion of post sanction formalities, account opening and disbursement Meet customer service requirements through regular interactions with the customers to understand business condition, enhancement opportunity, etc. Monitor transactions in the customer accounts to ensure that the cash flow movement and end use of fund are in compliance with the sanction stipulations Assist the Credit Manager in unit inspections and ensure timely insurance renewal, DP updated, stock renewal statement scrutiny and gathering of relevant market information Ensure maintenance of quality and health of portfolio and minimize Days Past Due through regular interactions with the customer Initiate recovery of stressed accounts through tele-calling/ field visits Ensure compliance to the stipulated guidelines/ norms and ensure closure to the audit processes Qualifications: Optimal qualification for success on the job is: Graduation/ Post-Graduation from a recognized institute Role Proficiencies: For successful execution of the job, the candidate should possess the following: Knowledge of banking products and services Ability to manage complex client situations Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills #ComeAsYouAre 'We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply'

About Wholesale Banking Coverage Group (WBCG)The Wholesale Banking Coverage Group (WBCG) focusses on doing business with customers such as the Government, Strategic, large and mid-corporates and the SMEs across industries like Infrastructure, Engineering, Chemicals, Oil amp; Gas, Metals, textiles etc. The Corporate lending business emphasizes on doing business with higher rated corporates with a focus on garnering a higher share of the cash flows by providing working capital facilities About the Role: The Relationship Manager is responsible for the achievement of the budgeted targets by sourcing NTB business through channels/self-sourcing and customer relationship management. The Job holder also coordinates post sanction formalities such as, disbursement, cross-sell, compliance of statutory and internal audit issues and provides industry/segment specific feedback to Geography and Central Office team Key Responsibilities: Generate leads by identifying potential industrial areas/trading units and prepare strategies to increase the Banks penetration in those areas Manage the internal (Branches/ other business verticals) and external (empanelled outsourced agencies) lead generating channels to generate the expected business Enable the sanctioning process by ensuring conduct and scrutiny of pre-disbursement activities Liaison with Corporate Banking Operations team and Centralized Processing Unit to enable smooth completion of post sanction formalities, account opening and disbursement Meet customer service requirements through regular interactions with the customers to understand business condition, enhancement opportunity, etc. Monitor transactions in the customer accounts to ensure that the cash flow movement and end use of fund are in compliance with the sanction stipulations Assist the Credit Manager in unit inspections and ensure timely insurance renewal, DP updated, stock renewal statement scrutiny and gathering of relevant market information Ensure maintenance of quality and health of portfolio and minimize Days Past Due through regular interactions with the customer Initiate recovery of stressed accounts through tele-calling/ field visits Ensure compliance to the stipulated guidelines/ norms and ensure closure to the audit processes Qualifications: Optimal qualification for success on the job is: Graduation/ Post-Graduation from a recognized institute Role Proficiencies: For successful execution of the job, the candidate should possess the following: Knowledge of banking products and services Ability to manage complex client situations Good communication (both verbal and written) skill in both English and the local language Ability to handle pressure and meet deadlines Good networking and relationship building skills #ComeAsYouAre 'We are dil se open. Women, LGBTQIA+ and PwD candidates of all ages are encouraged to apply'

Role & responsibilities Preferred candidate profile Job Description : To understand clients business & provide appropriate working capital solutions across Fund/ non-Fund based products like Cash Credit, Demand Loan, Buyer’s credit, LC, BG etc. Work closely with Branch Banking teams for new customer addition. To penetrate client with various products like Current Account/Term Deposits/Transaction Banking/Trade Finance for the primary Relationship & Group companies. To build relationships with key persons (CFOs/ promoters) in the target segments & build client trust & confidence. Focus to continually increase the Book size and profitability of the assigned portfolio. To understand client business models, trade related activities, cash flows etc. and identify opportunities and grow client relationships. To be alert on competitive elements in the target segments (viz. other banks etc.) & augment the presence and penetration of the Kotak brand in the target market Maintain high calibre client service. Improve efficiency by monitoring & overseeing continuous improvement of processes Constantly have a rapport with the operating units to customize and develop solutions Job Requirements: Excellent written and oral communication skills Preferably MBA/ CA Experience: 2-3 years’ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill Good influencing skills

Roles and Responsibilities Manage relationships with existing clients to increase sales revenue through cross-selling of banking products such as EEG, ECG, Working Capital, etc. Identify new business opportunities by visiting farmers' fields and meeting their needs related to agriculture financing. Develop a deep understanding of the local market trends and competitor activity to stay ahead in the competition. Collaborate with internal teams (e.g., credit underwriting) to ensure seamless execution of loan applications from origination to disbursement. Maintain accurate records of client interactions, transactions, and performance metrics.

Interested Candidate can contact Judith Mercy-HR Ph 9209402945 judith.mercy@efl.co.in Role & responsibilities Financial Analysis: Evaluate financial statements, credit history, tax returns, and other financial information to assess the financial health and creditworthiness of business loan applicants. Perform ratio analysis, cash flow analysis, and trend analysis to identify potential risks and opportunities associated with loan applications. Credit Risk Assessment: Assess the overall credit risk of applicants based on financial health, industry trends, market conditions, and other relevant factors. Make recommendations regarding credit limits, terms, and conditions for loan approvals, ensuring alignment with company policies and regulatory requirements. Loan Structuring: Structure loan proposals that meet the needs of borrowers while mitigating credit risk for the company. Collaborate with Relationship Managers and other stakeholders to develop tailored financing solutions that support business growth and profitability. Documentation and Compliance: Ensure all loan applications and credit proposals are accurately documented and comply with internal policies and regulatory guidelines. Conduct regular reviews and updates of credit files to maintain accurate and up-to-date information. Communication and Decision Making: Present credit proposals and recommendations to senior management and credit committees for approval. Communicate effectively with internal teams, customers, and external partners to gather information and resolve issues related to credit applications. Preferred candidate profile Candidate with min 5 years of experience as credit underwriter of BL/WC/Machine loans with ticket sizes up to 5 Cr. Perks and benefits Best as per industry standards

Main Accountabilities Client Acquisition: Lead efforts to acquire new clients in the mid corporate sector, identifying prospects, and converting them into valuable business relationships. Also, adding Channel partners, Direct selling Agents to multiply the business scope. Client Relationship Management: Build and maintain strong relationships with corporate clients in the Mid Corporate segment & Channel Partners Understand clients' financial goals, challenges, and opportunities. Identify new business opportunities and revenue streams within the corporate finance sector. Expand the client base and promote financial products and services. Major Deliverables: Deal Structuring: Collaborate with clients to structure financial deals tailored to their specific needs. Prepare and present proposals to clients. Credit Solutions: Offer credit solutions, including working capital facilities, overdrafts, term loans, and other financial products. Assess creditworthiness and risk factors associated with clients Specialized job competencies: Portfolio Growth: Focus on portfolio growth by cross-selling financial products and services. Achieve budgetary targets for Net Interest Income (NII) and fee income. Financial Analysis: Analyze financial statements, credit reports, and market trends to assess client performance and risks. Develop insights to enhance client portfolios

1 New Business Prospects: Originate new business prospects within the SME sector through direct sourcing and open market channels. 2 Customer Acquisition: Acquire SME customers and manage their proposals, guiding them up to the disbursement stage. 3 Business Generation: Meet existing SME clients to identify business opportunities and drive revenue. 4 Working Capital Facilities: Provide SMEs with a range of working capital facilities, such as Overdraft, Cash Credit, Dealer Finance, Vendor Finance, Letter of Credit, Bank Guarantee, Term Loan, etc., based on their specific needs. 5 Customer Relationship Management: Manage and nurture customer relationships, addressing both service and sales queries with the goal of engaging and retaining SME clients. 6 Cross-Selling: Cross-sell retail banking products to SME customers to maximize revenue and meet sales targets. 7 Credit Risk Assessment: Assess the credit risk associated with SME clients and their proposed financing structures. Collaborate with credit and risk teams to ensure sound credit decisions. 8 Financial Analysis Conduct in-depth financial analysis of SME clients to evaluate their creditworthiness and funding requirements. Prepare and present comprehensive credit proposals. 9 Credit Structuring: Structure credit facilities for SMEs in a manner that aligns with their business needs and risk profiles. Optimize the credit solutions offered to SME clients. 10 Compliance and Regulations: Ensure compliance with all relevant regulatory requirements and internal policies. Stay updated on changes in regulations affecting SME banking. Qualifications- Minimum Degree: Post Graduate/Graduate in any discipline.