This profile is responsible to ensure regular reconciliation of salary structure and employee master data, ensuring updations of employee salary details in system with accuracy, update salary structure based on changes in minimum wages, validations of statutory bonus, to share daily, weekly monthly reports to respective stake holders businesses. 1 Compensation and Benefits Computing salary increases for transfers, movements and promotions as per defined grid, updating in HRMS system, releasing employee movement letters. Executing necessary salary structure validations, movement and salary increase processed for the employees. Co-ordinating with statutory team, analyzing the impact of minimum wage changes and aligning employee salary structures accordingly. Preparing and sharing of monthly, quarterly reports with respective business and finance teams. Verifying employee master details ensuring accuracy of employee data base, coordinating with respective team wherever required for updating the employee details. Reconciliation of insurance cost, coordinating with insurance partner for the bills and getting it settled by sharing with finance team. Tracking of Flexi Benefits payout and regular reconciliation is done to ensure 100% accuracy. Co-ordinating with Payroll team to ensure accurate salary is processed for all employees. Liaising with internal PMO team to ensure smooth functioning of system. Resolving employees queries related to movement, compensation changes, events, flexi benefit payout. Assisting in Annual PMS activities Key Decisions / Dimensions In consultation with Seniors Major Challenges Accuracy of employee data base in system records Chroma (HRMS) discrepancy Required Qualifications and Experience a) Qualifications Master s degree Soft skills, analytical, excellent writing listening skills Ability to manage multiple activities at the time and flexible. Self - starter and be able to complete tasks within timelines. Good in Microsoft excel. b) Work Experience 3 - 5 years of experience in CB, MIS, or Analytics.

This position will manage the inbound and outbound campaigns for Sal PL Prime. The person will be responsible to drive higher feed to the Call Center fro increasing overall business volume. Managing Inbound and Outbound Campaigns for Sal PL Prime Call Centers Achieving feed targets and managing campaign waterfall metrics Liase with COE and Marketing to execute campaigns Monitor measure key conversion, productivity data penetration metrics Ensure implementation of promotional plans contests and suggesting new and innovating promotion plan for the area of work. Required Qualifications and Experience Good experience of MS Excel Functional understanding of UNICA and Salesforce Excellent communication skills. Exceptionally high motivational levels and needs to be a self-starter

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success & achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action & driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Track and improve key performance indicators such as query resolution time, repeat queries etc Liaise with sales team IT team to ensure reduction of sales queries and bottle necks Build various process/policy checks on SFDC workflow to ensure minimum leakages downstream by working closely with IT/COE teams To liaise with IT team, Ops and other team to ensure early resolution of sales query Support regular and adhoc data analysis on business metrices Plan and execute time bounded projects on Geo - expansion Liase with internal teams such Admin, IT, HR for launch of new branches Track and monitor productivity of branches under Geo-expansion Work on delivering critical business projects as assigned from time to time. Provide relevant data points for Management reporting Required Qualifications and Experience Graduate/ Post Graduate With relevant experience of 1-2 prior work experience in the Financial Services Industry would be an added advantage. Excellent communication skills. Exceptionally high motivational levels and needs to be a self-starter

Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 i.e. Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

Assess user requirements to design software solutions Write well-organized, maintainable, and efficient code Implement features and functionalities as specified for products 2. Testing and Debugging: Conduct unit tests to verify product quality Detect, troubleshoot, and fix software bugs and issues Work with QA teams and PMO to create detailed test plans 3. Code Review and Collaboration: Engage in code reviews, offering constructive feedback to colleagues Collaborate closely with designers, product managers, and other engineers 4. Maintenance and Optimization: Oversee and maintain existing software applications Enhance the performance and scalability of products Apply updates and upgrades to keep software secure and current 5. Continuous Improvement: Keep learning the latest industry trends, technologies, and best practices Contribute to process improvements and the adoption of new tools and methodologies Engage in training and development activities to enhance skills and knowledge Key Decisions / Dimensions 1. Technology Stack: Selecting programming languages, frameworks, and databases 2. Code Quality: Establishing coding standards, testing strategies, and code review practices 3. Security: Implementing authentication, authorization, and data protection measures 4. Development Deployment: Setting up CI/CD pipelines, managing version control, and optimizing performance 5. Collaboration: Selecting tools for communication and project management and maintaining documentation 6. Product Evolution: Prioritizing feature development and managing technical debt 7. Mentorship: Guiding junior developers and promoting knowledge sharing Major Challenges 1. Communication and Collaboration: Ensuring seamless communication across diverse teams is vital, particularly in remote setups, using tools and practices that promote clear information flow and mutual understanding 2. Quality: Maintaining high code quality and thorough testing is critical. SDE should implement CI/CD practices, ensure comprehensive test coverage, and address technical debt proactively, balancing the need for rapid delivery with long-term maintainability and reliability of the software 3. Adaptability to Change: To succeed latest market trends and technological advances, SDE must adopt agile methods and quick response to evolving demands Required Qualifications and Experience Qualifications: Graduate or post- graduate in computer science and engineering Work Experience: 1 - 3 years Required Skills: o Native Mobile Development: 1. Basic understanding of native development for both iOS (Swift, Objective-C) and Android (Java, Kotlin) 2. Skills in designing intuitive and visually appealing user interfaces for mobile devices 3. Experience with RESTful APIs, and third-party libraries for integrating various services 4. Techniques for optimizing mobile app performance, including memory management and reducing app size 5. Knowledge of mobile-specific APIs for accessing device features like camera, GPS, and sensors 6. Testing and Debugging: Familiarity with testing frameworks (robo-electric, expresso, JUnit etc.) and mobile debugging tools 7. App Deployment: Experience with deploying apps to the App Store (iOS) and Google Play Store (Android) 8. Build Tools: Experience with build tools and continuous integration/continuous deployment (CI/CD) pipelines 9. Security Best Practices: Understanding of mobile security practices, including secure storage, authentication, and data protection o Web Development: 1. HTML, CSS, and JavaScript 2. JavaScript Frameworks: Knowledge of frameworks like React, Angular, or Vue.js. 3. CSS Frameworks: Familiarity with frameworks like Bootstrap or Materialize for responsive design 4. Service Workers: Understanding of service workers for background processes, caching, and offline functionality 5. App Shell Model: Knowledge of the app shell architecture to ensure fast loading times and smooth user experiences 6. Web APIs: Proficiency in using modern web APIs such as the Fetch API, Web Storage API, and Notification API 7. Responsive Design: Skills in creating responsive and adaptive designs that work across various devices and screen sizes 8. Version Control: Proficiency with Git for version control and collaboration. 9. Build Tools and Package Managers: Experience with tools like Webpack, Babel, and

Responsible for performing audits of Operations Customer service processes as per audit calendar. Duties and Responsibilities Perform concurrent testing within Operations basis checklist Review data, sample cases (scanned/physical) for accuracy of information Report exceptional cases on set frequencies Publish daily/weekly/monthly dashboards Ensure closure of observations Required Qualifications and Experience Required Qualifications and Experience 1 - 3 years of relevant experience with CA/ MBA finance or equivalent Knowledge of Operations processes and systems Experience in excel data analysis and Power point Positive attitude and team player

Effectively capable of handling Development and Support in Scala/Python/Databricks technology Would be required to understand business logic from PMO team and convert it into technical specification. Would be responsible to build up data integration module between different systems. Would be responsible to build data expertise and own data quality. Would be responsible to prepare processes and best practices in day-to-day activities and get it implemented by team. Key Decisions / Dimensions Fast Decision making on Production Fix is expected. Major Challenges Define and Manage SLAs for all Support Activities Define and Meet Milestones for all Project Deliveries Required Qualifications and Experience a) Qualifications Min. Qualification required is Graduation b) Work Experience Relevant work experience of 2 to 5 Years. C) Skills Keywords Hands on Experience on Scala/Python Knowledge on Joins, classes, functions, ETL in Scala/Python Knowledge in techniques on Optimization of Code in Databricks Experience on other Azure platforms will be added advantage

1. End to end closure of all fraud related complaints received from Social media / any other sources 2. Maintain MIS of all complaints data with trail 3. Study the fraud trend and share findings 4. Identify fake website / Social media ads Required Qualifications and Experience a) Qualification: Graduate with relevant experience of minimum of 2 year. b) Prerequisite Skills: Good written and oral communication skills. Excellent interpersonal skills Good understanding about Products/Services Ability to maintain confidentiality and to work independently Good hand in MS office (Excel / Word)

The Debt Management Specialist will be responsible for managing and coordinating the recovery of overdue payments on loans or credit accounts. Achieve collections target by visiting customers/agency.Monitor performance against set parameters and provide regular updates.Ensure legal guidelines are complied with while repossessing products.Maintain accurate records of customer interactions and transactions.Provide regular reports on collection activities and performance.Handle escalations promptly and effectively to resolve issues.Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates.Case to Case trackingResolution at per AOP with in agreed timelinesPortfolio ManagementDebt Collection StrategyTarget AchievementRegulatory ComplianceReporting and AnalysisRisk ManagementTeam LeadershipVendor ManagementCo-ordinating with internal and external clients Required Qualifications and Experience Achieve collections target by visiting customers/agency.Monitor performance against set parameters and provide regular updates.Ensure legal guidelines are complied with while repossessing products.Maintain accurate records of customer interactions and transactions.Provide regular reports on collection activities and performance.Handle escalations promptly and effectively to resolve issues.Daily DRR (Daily Risk Report) managementDevelop and implement strategies to improve collection rates.Case to Case trackingResolution at per AOP with in agreed timelinesPortfolio ManagementDebt Collection StrategyTarget AchievementRegulatory ComplianceReporting and AnalysisRisk ManagementTeam LeadershipVendor ManagementCo-ordinating with internal and external clients

First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations Risk teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 i.e. Two wheeler Loan R equired Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products Required Qualifications and Experience Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products & Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings Resolve customer queries and promote top ups / cross sell as defined for the branch Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model Create a daily report of tasks planned and executed and submit to Branch Manager Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule Ensuring critical parameters like lead to login are executed as per matrix Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

Managing the collections in a particular area and monitoring the collection of the amount due to the organization, while ensuring that cases are handled appropriately according to the company guidelines and complying with regulators norms. 1. Allocation Planning: Planning allocation of portfolios to RO s and Agencies Based on: Performance: Previous months track record Data Analysis and Insights Geographical dimensions Capacity Location 2. Vendor Management: Activities including researching and sourcing vendors, obtaining quotes, analyzing capabilities, turnaround times, negotiating contracts and managing relationships. Role would include: Capacity Check based on portfolio trends Availability checks: Checking if the agencies cater to the particular location Performance checks: based on data collected on agencies past performance and their record history Check s on Off Role 3. Processes: Vendor Bill tracking and confirmation Performing adequate compliance checks based on company policies and legal requirements System allocation and admin services facilitation by connecting with the requisite teams 4. Performance: DRR of Area/Location Track vendor wise performance and provide due support Visit critical cases on field Key Decisions / Dimensions Management of high value cases Agency assessment and influencing for support in achieving targets Major Challenges Portfolio Management - closing cases at Bucket X Managing difficult locations with scarcity of relevant talent Need to involve dealers to achieve collection target achievement Required Qualifications and Experience a) Qualifications Graduate in any discipline b) Work Experience Post qualification - 3 to 5 years Vendor management - complete cycle Team management

To achieve Debt Management Services targets of the area assigned Required Qualifications and Experience People Management skills Demonstrated success & achievement orientation Excellent communication skills Negotiation Skills Strong bias for action & driving results in a high performance environment Demonstrated ability to lead from the front Excellent relationship skills Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance Exceptionally high motivational levels and needs to be a self starter Working knowledge of computers

Managing and supporting the effective deployment of team of sales professionals with respect to that geographical area, exploring new markets and in allocating resources to most profitable opportunities. Achieving sales target and cross selling insurance Creating a strong & compliant sales culture across the channel to drive acquisitions, profitability and employee development. Identifying the need of sales training, analyzing changing market trends, channel deployment etc. Also giving feedback & suggestions to the RSM. Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work. Retaining high performers and replace poor performers Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction. Ensuring that Goals, PMP discussions, Development Plan discussions, ongoing coaching and feedback, skip level meetings are done on time and in an effective manner. Effectively engage Operations & Risk teams to understand and contribute to overall processes & profitability across locations. Managing Collections of the acquired portfolio. Handling customer grievances if any Required Qualifications and Experience Relevant sales experience in managing large sales channels in multiple market environments Should have overall knowledge to source from salaried loans business. Good communication, analytical skills and Channel management skills Demonstrated success & achievement orientation. Excellent communication skills. Strong bias for action & driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Strong analytical skills to drive channel performance and drive profitability. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Achieving & exceeding Business goals and targets for Commercial Vehicle Finance. Managing & grooming of the team to achieve their respective targets Achieving & exceeding Business goals and targets for Rural Two Wheeler Loans Creating a strong & compliant sales culture to drive business. Sales Force Management, data management and efficient use of call center leads Dealer visit along with sales manager/FOS Portfolio management - 99% zero bucket collections Maintaining FEMI at 9% across location & span Monthly 5 days location travel Ensure teams adherence to sales governance & compliance processes Adherence to customer delivery TAT Ensure implementation of promotional plans & contests and suggesting new and innovating promotion plan for the area of work. Recruiting and Retaining high performers. Team management & Grooming of the team to achieve their respective targets Managing the Delinquency of the business sourced to ensure health of portfolio Excel & power point presentation knowledge & skills Daily review with ABSM regarding projections / activity plan for the day Reviews with ABSM on projection verses delivery daily, to spur planning for the next day Ensures execution of the defined activity plan for customer visits by the team during the day Assists in Collections in HTS cases for buckets X and 1, as well as higher buckets Provides feedback to under-performing team members - seeks to understand causes, to provide timely and appropriate inputs and support Nominates team members for reward and recognition commensurate with their achievements; Appreciates team members appropriately in internal forums as relevant Resolves issues regarding documentations Decides on approaching customers of risk-prone geographical areas and profiles, and to stop approaching specific profiles, based on delinquency patterns Plans for business expansion - identifies and maps new areas, including fraud likelihoods, derives projections; Shares and discusses with branch teams and ASSCs - takes inputs to make action plans clear; Shares projections, action plans and budgets with RSM, seeking approval Cascades finalised plans received from RSM to the team - derives aligned short-term performance benchmarks such as DRR; Plans with team to achieve them Periodically monitors team on productivity metrics, and assists in resolving their issues; Monitors month on month productivity, WIRR, Insurance penetration, CC and CW lead penetration Shortlists from among initial candidate lists, makes recommendations of known candidates; Conducts initial interview with shortlisted candidates, providing comments as per format, and recommendations Reviews and discusses achievement with team periodically; Conducts mid-year and annual performance review per team member, providing feedback for their improvement 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Team Management Retention of front line sales force Maintaining consistent delivery of high performance Attrition (on roll & off roll) Required Qualifications and Experience Education Graduation / MBA Experience & Skills Graduation with 4 to 6 years and MBA with 3-4 years of relevant experience Demonstrated success & achievement orientation. Strong analytical skills to drive channel performance and drive profitability Strong bias for action & driving results in a high performance environment. People & Relationship Management skills Excellent Communication and Negotiation Skills Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.

Compliance Function plays a central role in identifying the level of Compliance risk in the organisation. The compliance function comprises of Regulatory correspondence team, Advisory team and Compliance Monitoring Testing (CMT) team. The incumbent will principally be accountable to lead the CMT team. The Horizontal Compliance Framework Specialist will play a key role in designing, implementing, and managing a comprehensive compliance framework across Know Your Customer (KYC), Anti-Money Laundering (AML), and Outsourcing Arrangements. The role focuses on ensuring that compliance protocols are standardized, scalable, and effectively integrated across the organization, mitigating risks and ensuring adherence to regulatory standards. Key Responsibilities: 1. Know Your Customer (KYC) / Anti-Money Laundering (AML) Compliance o Review documentations for new account customers, categorize high-risk accounts basis KYC guideline ensuring proper customer due diligence (CDD) and enhanced due diligence (EDD) processes. o Regularly review and update KYC protocols based on evolving regulatory requirements. o Review AML controls, including transaction monitoring, name screening, and risk categorisation. o Stay updated with relevant laws and regulations (e.g., FATF, RBI regulatory requirements) and ensure that the framework complies with industry standards. 2. Outsourcing Arrangements Compliance o Review of outsourcing agreements, Business continuity Plan/ DR o Review risk categorization of outsourced services and monitor ongoing compliance through regular reviews. o Ensure adherence to contractual obligations and regulatory requirements in outsourcing agreements. 3. Monitoring, Reviewing, and Reporting o Develop and implement regular monitoring and testing mechanisms to ensure compliance across KYC, AML, and outsourcing practices. o Prepare and present compliance reports to senior management. Key Decisions / Dimensions Specific area prioritization during field work in terms of what areas to focus on and what testing approach to be used. Deciding the approach for review; what sample size to take and how to analyse the data. Major Challenges BFL is a fast-paced growing organization with almost 90 + products. The business processes are changing at a very fast pace, so it is important to keep oneself updated and in fact, try to think ahead of the business. The compliance requirements are complex and ever evolving hence the need for constant learning and keeping updated of industry developments Required Qualifications and Experience Educational Qualifications CA /MBA Fin with 5-8 years of experience Understanding of operational processes and regulatory requirements Analytical skills to perform testing Ability to learn and implement at a fast pace Work Experience Candidate is expected to have know-how of regulatory requirements specifically from RBI Candidate is expected to have a know-how of KYC, AML and Outsourcing Arrangements Work jointly with a dynamic team of professionals having diversified experience CAs/ MBAs With various BFL business initiatives candidate need to have agility to adopt to new changes

Maintain scheduling and event calendars. Reply to calls and emails on behalf of BHs Receive and send couriers on behalf of BHs. Coordinate team based work. Meet and Greet Visitors Research when needed. Conduct searches to find needed information, using such sources as the Internet. Send Daily Thought for the Day Birthday Mailers to the Mortgages, LAS PSBL Teams Setup Meetings and send out invites to all attendees Send reminders to team for commitments and tasks to be completed. Keep reminders and make Payments as appropriate Credit Card/Mobile/Insurance/Other MIS/Trackers Business MIS Daily MIS Travel Calendar MIS Other duties as assigned B. Administration Handle conference and meeting room bookings Organize Working Team Lunches and coordinate the payment through Finance Team Maintain hard copy and electronic filing system Perform photocopying and filing. C. Travel Coordination Assist in flight bookings, web check in Assist in Hotel/Guest House Bookings. Assist in Cab/Hertz Bookings Assist in Visa Application if Foreign Travel Required Qualifications and Experience " Graduate with min 2-3 years of relevant experience in personal secretary role Excellent communication skills. Working knowledge of computers - Good knowledge of: MS Word/Excel/PowerPoint/Outlook essential"

This role involves coordinating communication between departments like IT, COE, LD, Credit, Operations, Partner Experience, ARU, PMG. Analyzing sales data to identify trends, and implementing strategies to enhance productivity. Additionally, He supports team development, resolves sales issues, and fosters a collaborative environment to drive sales success and achieve organizational goals. Risk Assessment: Identifying, analyzing, and evaluating financial and operational risks. Risk Mitigation: Developing and implementing strategies to minimize risks. Compliance: Ensuring adherence to regulatory requirements and internal policies. Monitoring: Continuously monitoring risk exposure and effectiveness of risk management strategies. Reporting: Preparing regular risk reports for senior management and stakeholders. Training: Educating staff on risk policies and procedures. Product Development: Overseeing the development and enhancement of financial products, ensuring they meet market needs and regulatory standards. Product Strategy: Defining product vision, strategy, and roadmap to align with organizational goals. Cross-Functional Collaboration: Working with marketing, sales, compliance, and technology teams to ensure successful product launches and ongoing management. Performance Analysis: Monitoring product performance and profitability, making data-driven decisions for improvements. Sales Feedback: Gathering and analyzing sales feedback to inform product enhancements and address pain points. Regulatory Compliance: Ensuring that products comply with relevant financial regulations and guidelines. Key Decisions / Dimensions Resource Allocation: Determining how to allocate staff across various products to optimize efficiency. Process Improvement: Identifying and implementing process changes or new technologies to enhance productivity. Vendor Selection: Choosing external vendors or partners for services, ensuring they align with the organization s needs and budget. Performance Metrics: Establishing key performance indicators (KPIs) to measure team effectiveness and align with business goals. Training and Development: Deciding on training programs to enhance team skills and adapt to new processes or technologies. Project Prioritization: Evaluating and prioritizing projects based on urgency, impact, and available resources. Compliance Strategies: Developing strategies to ensure adherence to regulatory requirements and internal policies. Feedback Mechanisms: Implementing systems for gathering and acting on feedback from stakeholders to improve support services. Major Challenges Candidate to overcome major challenges as mentioned Resource Allocation: Balancing limited resources across various departments while meeting diverse needs can be difficult. Communication Gaps: Ensuring effective communication between teams and departments to avoid misunderstandings and delays. Change Management: Adapting to organizational changes, such as new technologies or processes, can create resistance and require extensive training. Data Management: Handling large volumes of data efficiently and ensuring accuracy can be overwhelming, particularly with varying data sources. Performance Measurement: Developing and implementing metrics to accurately assess team effectiveness and contribution to overall goals. Regulatory Compliance: Keeping up with changing regulations and ensuring all processes comply can be complex and time-consuming. Customer Expectations: Meeting the evolving expectations of internal and external customers while maintaining high-quality support can be challenging. Required Qualifications and Experience a) Qualifications Graduates with relevant sales experience of 5-8 years and product experience of 3-4 years b) Work Experience Relevant sales experience in managing large sales channels in multiple market environments Prior relevant experience in the Financial Services Industry would be an added advantage. Demonstrated success achievement orientation. Excellent communication skills. Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Strong analytical skills to drive channel performance and drive profitability. Exceptionally high motivational levels and needs to be a self-starter.

Responsible for overall branch operations,performance profitability of the branch. Drive participate in field-marketing activities of various financial products along with the team to improve brand visibility Plan,conduct monitor the branch field level marketing activities to ensure health pipeline of leads resulting into business conversion branch growth Focus on customer engagement for new customer acquisitions retainment of old customers Conducting error free valuation appraisal of gold ornaments being pledged in branch with correct weight purity assessment as per company policy and auditory compliance Joint custodian of the Vault with responsibility of safekeeping of of pledged securities as per company policies Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections Good planning abilities are required for smooth functioning of the branch for developing cohesiveness within the company and co-workers. Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance Maintaining quality performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch Increase Gold Loan business, plus various other third-party products i.e., NCDs, Gold Coins sale etc. Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections. Responsible for correct valuation maintenance of 100% process compliance at branch. Manage error free valuation appraisal of gold ornaments being pledged in branch with correct weight purity assessment as per company policy and auditory compliance. Required Qualifications and Experience Education Skill Qualifications: 3-6 years of relevant experience required. Bachelor s Degree/Post-graduation Degree preferred. Previous experience in gold loan banking, gold loan products, management or client service preferred. Consistently demonstrates clear and concise written and verbal communication skills.

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products Required Qualifications and Experience Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

To achieve given Sales nos through customer walk in Work closely with the branch Service executives to drive Gold loan customers for fulfillment Ensuring policy adherence and meeting compliance requirement Tracking Approval rate other critical SLA deliverables for Gold loan product. Supporting Assayer in Operations /documentation. Required Qualifications and Experience Graduate with 1-3 years of relevant experience. Knowledge of Cross Sell / Gold Loan Sales Good Selling skills Good Interpersonal skills

To Ensure SLA Delivery for each process - To Ensure quality of files processed by the Operations team are within the specified guidelines - Achieve Service To Sales Numbers - To Ensure all cash management services at the branch are delivered - Achieve Service Related TAT specific deliverables like Generating Tokens, FTR, TAT etc - Data Analysis Sharing of best practices with team - Ensuring Implementation of Policies processes - Coordination with various HO / Cross functional departments providing feedback - Recruiting and manpower forecast planning - Ensuring highest levels of employee relationship, motivation engagement To drive results high levels of employee Satisfaction - Vendor management (CPV Agencies) - Ensuring Compliance Integrity within the area/region - To Support all New Initiatives functional Projects of the Function Required Qualifications and Experience Should have 2-4 years experience, and minimum 1 years managing branch operations Should be a post graduate preferably Should have collaborative work style to engage with peers colleagues across the company. Should have excellent communication skills along with strong presentation and data analytics skills. Self-motivated and a self-starter

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 i.e. Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

First link of management between the executors i.e. field staff and management. An effective communicator with exceptional relationship management skills with ability to relate to people at all levels of business and management. Delivery of business AOP objectives for the assigned geography. PRINCIPAL ACCOUNTABILITIES (Accountabilities associated with the job) Achieving business numbers with the assigned line of channels (Basis location and market potential). People Management (Off roll) - Hiring, Retention Productivity. Sales Governance through compliance of systems and processes. Responsible for tracking, managing controlling PDD requirement compliance Reduction in customer complaints cancellation by ensuring that no miss-selling is being done. Understanding of CRM - Salesforce.com. Effectively engage with Credit, Operations, Risk within 2W/3W teams. To ensure TAT is maintained for case processing. 4. MAJOR CHALLENGES (Challenges faced on an on-going basis in carrying out the job) Training of self and their team below. Hiring right candidate. Smooth onboarding to help settle the employee well in BFL. Smooth onboarding of New Dealer/Partner with BFL Retention of Off-roll staff 5. DECISIONS (Key decisions taken by job holder at his/her end) Hiring of Off roll staff Approvals by coordinating with internal stake holders eg. Clearing cases Lead allocation Field activity planning and closure 6. INTERACTIONS (Key working relationships a job holder needs to have INSIDE and OUTSIDE the company to accomplish the job) Internal Clients Roles you need to interact with inside the organization to enable success in your day to day work Connect with various internal department i.e. product, credit, Ops, RCS compliance to process the file. Connect with HR department for hiring retention External Clients Roles you need to interact with outside the organization to enable success in your day to day work Engaging with customer. Mapping of market competition. 7. DIMENSIONS (Key numerical data which will reflect the scope and scale of activities concerning this job) Financial Dimensions (These should be quantifiable numerical amounts) From 45 to 70 Cases MOM (depending upon location and market potential) Other Dimensions (Significant volume dimensions associated with the job) Total Team Size: 9 Number of Direct Reports: 5 to 9 Number of Indirect Reports: NA Number of Outsourced employees: 5 to 9 Number of locations: 1 to 4 Number of products: 1 i.e. Two wheeler Loan Required Qualifications and Experience SKILLS AND KNOWLEDGE (Minimum acceptable proficiency for this job which best indicates the education and/or experience requirements of this job and not the incumbent) Educational Qualifications Qualifications - Graduate / Post Graduate Good command in excel is essential. Work Experience - 1 to 3 years of relevant experience in managing team Result oriented - Go getter attitude is must Should have collaborative work style to engage with peers colleagues across the company. Excellent Team management Interpersonal Skills. Excellent command over communication skills. Highly ambitious self-motivated

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Data Science, Data Mining, Data co-ordination with marketing team, BI team Driving FA data campaigns Sales query resolution on regular basis Meeting exceeding business goals/targets in different products ie. Loans Insurance bundled/Non Bundled through Lead fulfillment Field Activity on existing Data Base Manage, control own all channels businesses. Recruit, retain, manage build a productive team of Off Roll employees Maintain delinquency on the portfolio, in line with the Product Segment. Take Care of customer Escalations and Complaint Monitor measure key conversion, productivity data penetration metrics Effectively engage with Credit, Operations Risk teams. Required Qualifications and Experience Graduates with relevant experience of 2-3 prior work experience of Direct or Channel sales in loans. Experience in Insurance will be an added advantage. Excellent Team Handling and problem resolving ability. Ability to Recruit FOS through different channels. Good hands on experience and knowhow for working on Data Management and MS Office. A good team leader to handle the team and achieve the set target. Exceptionally high motivational levels and needs to be a self starter.

Duties and Responsibilities Support field through trouble shooting on system Ensuring governance adherence and meeting the TAT Monthly hold clearance Process Analysis Sharing of best practices with team Coordinate with Sales ensuring mechanism in place for processing of files within desired TAT Ensuring timely communication to stakeholders on any change in process Liasoning with functional team - Operations, risk, banking, to cover process gap Required Qualifications and Experience Support field through trouble shooting on system Ensuring governance adherence and meeting the TAT Monthly hold clearance Process Analysis Sharing of best practices with team. Coordinate with Sales ensuring mechanism in place for processing of files within desired TAT. Ensuring timely communication to stakeholders on any change in process Liasoning with functional team - Operations, risk, banking, to cover process gap

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing. Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 - 500 customers Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP. Carry out end use monitoring of loans as per the process Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model. Create a daily report of tasks planned and executed and submit to Branch Manager. Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule. Ensuring critical parameters like lead to login are executed as per matrix . Maintain centre meeting discipline, follow SOPs and code of conduct Major Challenges Quality sourcing and achieving targets as defined Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

To achieve given Sales nos through customer walk in Work closely with the branch Service executives to drive Gold loan customers for fulfillment Ensuring policy adherence and meeting compliance requirement Tracking Approval rate other critical SLA deliverables for Gold loan product. Supporting Assayer in Operations /documentation. Required Qualifications and Experience Graduate with 1-3 years of relevant experience. Knowledge of Cross Sell / Gold Loan Sales Good Selling skills Good Interpersonal skills

The Branch manager is a managerial responsibility for providing full leadership and direction to the team of employees in growing business and client base of consumer gold loan. The overall objective of this role is to build customer loyalty and recommend the development of business strategies or initiatives and may include the management of activities by external organizations, and the direct management of individuals. Responsibilities: Responsible for overall branch operations,performance profitability of the branch. Drive participate in field-marketing activities of various financial products along with the team to improve brand visibility Plan,conduct monitor the branch field level marketing activities to ensure health pipeline of leads resulting into business conversion branch growth Focus on customer engagement for new customer acquisitions retainment of old customers Conducting error free valuation appraisal of gold ornaments being pledged in branch with correct weight purity assessment as per company policy and auditory compliance Joint custodian of the Vault with responsibility of safekeeping of of pledged securities as per company policies Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections Good planning abilities are required for smooth functioning of the branch for developing cohesiveness within the company and co-workers. Hiring, coaching, mentoring and training employees and providing them with timely feedback on their performance Maintaining quality performance of the business, preparing various reports of the same and take necessary actions for growth of business in branch Increase Gold Loan business, plus various other third-party products i.e., NCDs, Gold Coins sale etc. Responsible for keeping NPAs in control through strong follow-ups from the customers for interest collections. Responsible for correct valuation maintenance of 100% process compliance at branch. Manage error free valuation appraisal of gold ornaments being pledged in branch with correct weight purity assessment as per company policy and auditory compliance. Required Qualifications and Experience Education Skill Qualifications: 4-7 years of relevant experience required. Bachelor s Degree/Post-graduation Degree preferred. Previous experience in gold loan banking, gold loan products, management or client service preferred. Consistently demonstrates clear and concise written and verbal communication skills.

To achieve collection targets of the Respective Branch assigned, ensuring meeting PI Targets. Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified on monthly basis. Ensuring legal guidelines are complied for entire collection structure in letter and sprits. Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force. Ensure adherence to the Code of Conduct. Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities. Required Qualifications and Experience People Management skills. Demonstrated success achievement orientation. Excellent communication skills. Negotiation Skills Strong bias for action driving results in a high performance environment. Demonstrated ability to lead from the front. Excellent relationship skills. Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance.. Exceptionally high motivational levels and needs to be a self starter. Working knowledge of computers.

Young and dynamic Experienced candidates with 2-4 yrs of experience in Gold Loans and who are passionate about building their career in the Gold loans domain. Should possess excellent written and verbal Communication and also should possess basic knowledge in MS office. Knowledge of the vernacular language of the respective region is mandatory. Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products Required Qualifications and Experience Canvassing and sourcing of New Customers to increase Gold loan Business Revenue generations through Cross Selling products Interest Collection Gold Loans appraisal Maintain good relationships with clients so that the business can maximize the value of those relationships. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting. Customer Relationship and Follow-up, Maintenance of important registers and daily reports, Cash Management and accounting Direct Marketing of Cross selling products at branches of insurance products

To achieve Debt Management Services targets of the area assigned Required Qualifications and Experience People Management skills Demonstrated success achievement orientation Excellent communication skills Negotiation Skills Strong bias for action driving results in a high performance environment Demonstrated ability to lead from the front Excellent relationship skills Affirmative in nature, Strong Leadership Skills, Clarity of thought and perseverance Exceptionally high motivational levels and needs to be a self starter Working knowledge of computers