Key Responsibilities:Operational Risk Management Framework:Develop, implement, and maintain a comprehensive operational risk management framework ensuring it aligns with industry standards and regulatory requirements.Ensure integration of operational risk management practices into all business operations, policies, and procedures.Identify key operational risks across various functions including lending, collections, payments, compliance, and customer service.Risk Identification & Assessment:Identify and assess emerging operational risks (e.g., fraud, regulatory compliance, system failures, process inefficiencies) that may impact business functions.Conduct periodic risk assessments, vulnerability assessments, and stress testing to evaluate operational risks across all business units.Collaborate with business units to identify potential risks in new products, services, or systems.Risk Monitoring & Reporting:Continuously monitor the organizations operational risk environment to identify potential vulnerabilities and threats.Implement and maintain a risk monitoring system to track key risk indicators (KRIs) and provide real-time data on operational risk exposure.Prepare and present regular risk monitoring reports to senior management, highlighting trends, areas of concern, and potential risk mitigations.Ensure that operational risks are regularly reviewed and reported in line with regulatory requirements.Control Environment & Mitigation:Work with business units to design and implement controls that mitigate operational risks in line with the company’s risk appetite.Ensure that controls are regularly tested, reviewed, and optimized to mitigate risks effectively.Develop risk mitigation strategies for key risk areas, including but not limited to fraud, cyber threats, operational inefficiencies, and regulatory violations.Incident Management & Root Cause Analysis:Lead investigations of operational incidents (e.g., system failures, fraud, compliance breaches), and identify their root causes.Ensure effective corrective actions and process improvements are implemented based on the findings of incident investigations.Track and report the resolution of incidents, ensuring that lessons learned are incorporated into risk management practices.Regulatory Compliance:Ensure compliance with relevant regulatory frameworks and industry best practices regarding operational risk management.Stay updated on changes in regulatory requirements and ensure that the operational risk management framework is adjusted accordingly.Support the preparation of reports and documentation for regulatory audits, inspections, and examinations.Internal Audit & Risk Assessment:Collaborate with internal audit teams to perform operational risk reviews and audits, ensuring alignment with internal controls and risk management standards.Assist in developing action plans to address any findings from internal and external audits, ensuring timely resolution and follow-up.Monitor progress on risk remediation efforts and assess their effectiveness.Business Continuity Planning:Ensure that business continuity plans (BCP) and disaster recovery plans (DRP) are in place and regularly tested for operational risk scenarios.Support the business in developing contingency plans for critical operational processes and ensure readiness for risk events.Training & Risk Awareness:Conduct training sessions and workshops for employees to raise awareness of operational risks and ensure effective risk management practices are followed.Promote a risk-aware culture throughout the organization by advocating for operational risk management principles and best practices.Technology & Automation in Risk Monitoring:Leverage technology solutions and automation to enhance operational risk monitoring, tracking, and reporting.Assess and recommend technological tools to improve risk detection, reporting, and management processes.Experience:Minimum of 5 years of experience in operational risk management, with a proven track record in financial services, preferably within an NBFC environment.Experience in monitoring and assessing operational risks across various business functions, including lending, collections, and compliance.Strong understanding of risk management frameworks, control design, and regulatory requirements for NBFCs.Skills & Competencies:Strong analytical skills with the ability to assess complex risk scenarios and provide actionable solutions.In-depth understanding of operational risk management tools, risk assessment techniques, and monitoring systems.Familiarity with regulatory guidelines and frameworks governing NBFC operations (e.g., RBI, SEBI, PMLA).Ability to work collaboratively with cross-functional teams and communicate complex risk information to senior leadership.Proficiency in risk management software and tools (e.g., risk dashboards, risk registers, incident tracking systems).Strong attention to detail and a proactive approach to identifying potential risks.Personal Attributes:Proactive, with a problem-solving mindset and the ability to anticipate and address risks before they materialize.Ability to manage multiple tasks and prioritize risk-related activities effectively.Strong communication and interpersonal skills, with the ability to build relationships with senior management, business units, and stakeholders.A collaborative team player who fosters a culture of risk awareness across the organization.

Job Overview:The Business Analyst and Business Rule Engine Specialist will play a dual role within the organization, responsible for analyzing business processes, gathering requirements, and working closely with stakeholders to implement solutions. Additionally, this role involves expertise in Business Rule Engines (BRE), where the specialist will configure and maintain rule-based systems that support business decision-making processes. This individual will collaborate with business teams, technical teams, and system vendors to ensure that business rules are effectively integrated into systems to streamline operations, compliance, and automation.Key Responsibilities:1. Business Analysis:Requirements Gathering & Documentation:Collaborate with stakeholders to understand and document business needs, requirements, and pain points.Develop detailed functional and non-functional requirements, use cases, and user stories.Facilitate workshops and meetings to capture requirements and ensure business objectives are clearly communicated.Business Process Analysis:Analyze current business workflows and systems, identifying opportunities for process improvement and automation.Create detailed business process models, flowcharts, and documentation.Identify inefficiencies and propose solutions to optimize business processes.Solution Design & Documentation:Work closely with the technical team to ensure that business requirements are translated into appropriate system designs.Document functional specifications for system developers and ensure proper alignment with business objectives.Support the implementation of new processes, systems, and technologies that align with business goals.2. Business Rule Engine (BRE) Expertise:Rule Development & Management:Design, develop, and maintain business rules within a Business Rule Engine platform.Define and implement business rules that support automated decision-making in core business processes.Develop and optimize rule sets, ensuring they meet business requirements and improve operational efficiency.BRE Configuration & Integration:Work with IT and development teams to configure and integrate BRE solutions into existing systems.Ensure that BRE solutions are properly implemented, tested, and aligned with business requirements.Manage rule deployment, testing, and maintenance processes to ensure accurate and timely execution of business rules.Testing & Validation:Participate in User Acceptance Testing (UAT) for BRE-related projects, ensuring that the business rules behave as expected.Collaborate with business users to validate that BRE outputs align with their expectations and requirements.Troubleshooting & Optimization:Provide support for troubleshooting BRE issues and resolving rule conflicts or errors.Continuously monitor and optimize BRE performance to ensure high availability, efficiency, and scalability.3. Data Analysis & Reporting:Collect, analyze, and interpret data to support business decisions.Provide actionable insights through reports, dashboards, and data visualizations to help business leaders make informed decisions.Develop reports and performance metrics that track the effectiveness of business rules and business process changes.4. Stakeholder Engagement & Communication:Act as the bridge between business stakeholders and the technical teams.Communicate complex technical information related to business rules and BRE solutions in a way that non-technical stakeholders can understand.Ensure that all stakeholders are aligned on project goals, timelines, and deliverables.5. Continuous Improvement:Stay up-to-date with industry trends, best practices, and new technologies related to business rules, rule engines, and process automation.Identify opportunities for process improvement and automation, and work with teams to implement these solutions.Propose innovative solutions that drive business performance and meet strategic objectives.Qualifications & Experience:Experience:At least 3-5 years of experience as a Business Analyst, with a focus on business process analysis, requirements gathering, and solution implementation.Experience with Business Rule Engines such as Drools, IBM ODM, FICO Blaze Advisor, or similar platforms.Strong experience in configuring, deploying, and maintaining BRE systems.Familiarity with Agile/Scrum project methodologies is a plus.Skills:Strong understanding of business analysis techniques and methodologies (e.g., use case development, process modeling, and requirements documentation).Experience with Business Rule Engines (BRE) and rule-based decision systems.Proficient in tools such as JIRA, Confluence, and other business analysis or project management tools.Strong analytical skills with the ability to interpret data and apply insights to business decisions.Knowledge of data modeling, relational databases, and integration of systems with BRE platforms.Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint).Certifications (Preferred):BRE-specific certifications or training related to platforms like IBM ODM, FICO Blaze Advisor, Drools.Key Competencies:Analytical Thinking: Ability to understand complex business requirements and translate them into logical business rules and technical solutions.Problem Solving: Identify issues within processes or business rules and find practical solutions.Collaboration: Ability to work across different teams (business, IT, development) to ensure alignment and successful project delivery.Attention to Detail: Ensure the accuracy of business rules and requirements documentation.Communication: Ability to communicate clearly and effectively with both technical and business teams.Adaptability: Ability to handle changing priorities and adjust business solutions accordingly.

Key Responsibilities:Fraud Risk Policy and Governance:Implement fraud risk management policy in line with Regulatory guidelines.Establish governance frameworks and define roles and responsibilities for fraud risk management within the organization.Ensure the fraud risk management practices are in full compliance with the Regulatory guidelines, circulars, and directives related to fraud detection and prevention.Maintain documentation for audits and inspections or auditors.Regularly review and update fraud management practices as per the latest circulars.Risk Identification and Assessment:Continuously assess fraud risks across all various processes and Identify emerging fraud risksConduct regular risk assessments and fraud risk impact analysisFraud Detection and Prevention:Monitor transactions, behaviour, and activity trends to detect suspicious patterns.Incident Reporting and Response:Ensure that fraud incidents are promptly reported to relevant authorities.Adhere to reporting framework for frauds above prescribed thresholds.Develop a fraud incident response plan.Fraud Analytics and Investigation:Review and drafting of investigation reports, notices, etc.Initiate actionable with stakeholders for closureLeverage data analytics and intelligence tools to identify perpetrators.Analyze fraud trends and prepare actionable reports for senior management.Training and Awareness:Provide regular fraud risk management training to employees to ensure they are aware of common fraud schemes and risk mitigation strategies.Design fraud awareness programs for customersInternal Controls and Audits:Implement internal controls to minimize fraud risksRegularly audit fraud detection mechanisms and risk mitigation strategies to ensure their effectiveness.Fraud Reporting and Monitoring:Report fraud metrics and trends to internal stakeholdersTrack fraud losses, control effectiveness, and corrective actions taken.Experience:Minimum 5-7 years of experience in fraud risk management, internal audit, or compliance within a financial services environment (e.g., banking, NBFC, insurance, or fintech).Hands-on experience in working with regulatory compliance frameworks (e.g., RBI guidelines, KYC/AML, data protection laws).Specialized Knowledge:Strong experience in fraud investigation and root cause analysis.Experience in working with cross-functional teams (e.g., legal, compliance, IT, and operations) to design and implement fraud prevention controls.Understanding of industry regulations such as KYC (Know Your Customer), AML (Anti-Money Laundering)Familiarity with central fraud registries (e.g., RBIs Central Fraud Registry) and fraud reporting standards.Experience preparing reports for regulatory bodies or auditors.Qualifications:Educational Requirements:Degree in Finance, Risk Management, Law, C.S. or a related field.Skills & Competencies:Strong problem-solving abilities and decision-making skills.Excellent communication skills, both written and verbal, with the ability to present complex fraud risks to senior management and regulatory bodies.Ability to manage high-pressure situations and resolve incidents swiftly.Strong understanding of fraud risk control mechanisms and fraud mitigation strategies.Personal Attributes:Detail-oriented and results-driven.Strong ethical standards and integrity.Ability to handle confidential information with discretion.Ability to work independently and within a team-oriented environment.

Job ResponsibilitiesAssist in compliance with RBI, SEBI, FEMA, and NBFC regulations.Help in preparing and filing statutory returns, disclosures, and regulatory reports (MCA, RBI, SEBI, etc.).Track amendments in corporate laws and financial regulations.Draft board resolutions, agendas, and minutes for Board & Committee meetings.Maintain statutory registers and records as per the Companies Act, 2013.Support in organizing AGMs, EGMs, and regulatory filings.Assist in drafting and reviewing legal agreements, contracts, and MOUs.Coordinate with legal advisors and auditors for compliance matters.Help in drafting and reviewing company policies as per NBFC guidelines.Support internal audits and compliance checks.Liaise with RBI, SEBI, auditors, legal consultants, and regulatory bodies.Assist in investor relations, shareholding compliance, and financial reporting.Preferred CandidateCompleted CS (Company Secretary) Course from ICSIProficiency in MS OfficeGood communication and interpersonal skills

Key Responsibilities:Manage end-to-end payroll processing for employees, ensuring accuracy and compliance.Handle salary structure, deductions, reimbursements, and tax calculations as per statutory norms.Ensure compliance with PF, ESI, TDS, Gratuity, Bonus Act, and other labor laws.Process incentives, bonuses, arrears, and full & final settlements.Maintain and update employee payroll records, attendance, and leave data.Coordinate with HR, Finance, and Compliance teams for payroll-related queries.Prepare and file statutory returns (PF, ESI, PT, TDS, etc.) within deadlines.Assist in audits, payroll reconciliations, and variance analysis.Generate payroll reports and MIS for management review.Resolve employee payroll grievances and queries promptly.Ensure data confidentiality and adherence to data protection policies.Work on payroll automation and process improvements. Strong knowledge of taxation, labour laws, and payroll policies.

Role & responsibilities Develop and execute comprehensive strategies to optimize recovery processes and reduce delinquency rates.Analyze collection data using advanced analytics to identify trends and actionable insights.Conduct projections and forecasts of collections targets based on historical data and industry trends.Maintain accurate and timely reporting through effective MIS for the collections department.Monitor key performance metrics such as roll rates, collection efficiency, and DSO to drive improvements.Collaborate with credit, risk, and operations teams to align collection strategies with business goals.Design and implement scorecards and KPIs to track and evaluate collection performance.Review and enhance collection policies, implementing best practices for improved outcomes.Provide training and coaching to collection teams to enhance their performance and adherence to strategies.Leverage automation and data analytics tools to improve collections processes and efficiency.Ensure compliance with regulatory requirements and monitor external collection agency performance.Present insights, strategies, and recommendations to senior management and stakeholders.

Key Responsibilities:Training and Development: Responsible for authoring and updating training content that caters to different business verticals. Manage HFS Academy (in-house Learning Portal), monitor progress, analyze data, and publish regular reports to ensure key training program completion rates are consistently above 90%.Talent Management: Create and implement development programs that help employees grow and progress in their careers. Plan for the future by identifying and grooming employees who have the potential to fill key positions within the organization. Create and implement reward and recognition programs to motivate employees and retain top talent. Develop and implement programs to increase employee engagement and satisfaction, such as employee surveys and focus groups.Performance Management: Manage the performance management process for the organization, including Mid-year, Annual appraisals, and goal-setting exercises. Responding to performance management queries from employees. Work closely with the System Admin team to address employee-related performance management issues. Act as the custodian of the organization's incentive policies.Employee Engagement: Collaborate with the marketing team to create content and mailers for pre-launch, launch, and closure of employee engagement events within the allocated employee engagement budget. Collaborate and create content for quarterly employee newsletters. Prepare and publish new joinee announcements.

Role & responsibilities Prepare and send Bounce MIS to the respective branches on a regular basis.Generate Bounce MIS reports, categorized by vintage, product, and location, including trends and percentage analysis.Publish daily collection efficiency tracker to monitor and report performance.Maintain and publish a collection intensity report, providing insights on collection efforts.Prepare dashboards for Bounce & Penal collections to track and analyze trends.Generate roll-forward, roll-back, and normalization MIS reports to ensure smooth tracking of collections.Prepare bucket-wise inventory reports and compare them with the same time last months data.Create and track performance efficiency reports based on the same time last month’s comparison.Monitor and track collector-wise allocation and efficiency reports.Prepare and publish CCLM, BCM, Telecaller, and RM incentives reports.Develop and maintain various dashboards and MIS related to collections.Prepare non-starter reports and track cases accordingly.Track and ensure timely receipt issuance and payment depositions.Allocate bounced cases on time and monitor their progress.Collate and upload account-wise feedback into the collection system.Coordinate with branches to collect and provide payment files to the Ops team for system updates.Maintain and prepare high POS account tracker, ensuring it is up-to-date and accurate.Responsible for end-to-end vendor management, including empanelment, billing, and agency audits.Collaborate with BCM to allocate cases to vendors for timely resolution.

Role & responsibilitiesManaging Sales of Loan Against Property & Business Loans.Lead a team of Relationship Managers and Senior Relationship Managers to generate business through Direct sourcing.Building the Sales and distribution network in the assigned territory.Recruit, train and monitor team members & ensuring quality service delivery.Managing loan process from lead generation till disbursement of loan. Ensure synergy between credit and operation to ensure efficiency of business processes Preferred candidate profile 4+ years of experience in Secured Business Loans/LAP.Preference will be given to local candidates with local geography knowledge.

Role & responsibilities Manage Secured Business Loans for the designated state.Guide & facilitate Cluster and Area Managers to formulate and drive plans for their respective state.Ensure overall revenue targets are met for the state on a monthly basis.Ensure overall revenue targets are reached as per the approved matrix for the state from all revenue sources (processing fees, cross sell, yield etc.)Ensure the profitability targets to be met for all the product in assigned state.Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.Initiate the branch network expansion through network planning, identifying potential market.Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads.Formulate the sales, distribution and disbursement strategy for the state.Ensure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.

Role & responsibilities Strategy Development: Create and implement effective strategies for debt recovery and collections in assigned regions, ensuring compliance with laws, regulations, and company policies.Team Leadership: Lead and supervise a team of collections professionals of respective zonal region, providing guidance, training, and support to maximize their performance and meet collection targets.Performance Monitoring: Track and analyze collection metrics, including delinquency rates, recovery rates, and payment behaviors, to identify trends, areas for improvement, and potential risks.Portfolio Management: Oversee collections portfolio management, prioritizing accounts, reviewing payment plans, negotiating settlements, and initiating legal actions when needed.Customer Interaction: Address customer inquiries on delinquent accounts, resolving disputes, and assisting with payment options or debt resolution.Reporting: Prepare and present regular collections activity reports, trends, and outcomes to senior management for informed decision-making and continuous improvement.Cross-Department Collaboration: Work closely with sales, customer service, and finance teams to improve collections effectiveness and reduce customer delinquency.Process Improvement: Identify and implement process enhancements, automation, and technology solutions to streamline operations, boost productivity, and optimize recovery rates.

Role & responsibilities: Manage Secured Business Loans/LAP for given cluster by leading the Area Business Manager, Branch Sales Managers.To provide guidance and facilitation to the team to formulate and drive plans for their respective locations.Ensure that overall revenue targets for the cluster are met every month.Ensure that overall revenue targets are achieved as per approved matrix for the area from all revenue sources (processing fees, cross-selling etc.).Ensure profitability targets are met for all products in the assigned area.Ensure branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per the branch score card.By identifying the potential market, initiate branch network expansion through network planning.Develop new strategies to scan the market for potential new avenues and generate revenue from untapped markets; Launch new products to generate new business after consultation with respective business heads.Develop sales, distribution and disbursement strategy for the region.Ensure review of all cases in assigned area to understand customer profile and conduct Sales Personal Discussion (PD) to ensure correct sourcing.Follow and guide the team on required compliance and regulatory requirements. Preferred candidate profile: 10+ years of experience in Secured Business Loans/LAP.Preference will be given to local candidates with local geography knowledge.

Role & responsibilities Manage Secured Business Loans for the designated state.Guide & facilitate Cluster and Area Managers to formulate and drive plans for their respective state.Ensure overall revenue targets are met for the state on a monthly basis.Ensure overall revenue targets are reached as per the approved matrix for the state from all revenue sources (processing fees, cross sell, yield etc.)Ensure the profitability targets to be met for all the product in assigned state.Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.Initiate the branch network expansion through network planning ,identifying potential market.Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads.Formulate the sales, distribution and disbursement strategy for the state.Ensure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.

Role & responsibilitiesManaging Sales of Loan Against Property & Business Loans.Lead a team of Relationship Managers and Senior Relationship Managers to generate business through Direct sourcing.Building the Sales and distribution network in the assigned territory.Recruit, train and monitor team members & ensuring quality service delivery.Managing loan process from lead generation till disbursement of loan. Ensure synergy between credit and operation to ensure efficiency of business processes Preferred candidate profile 5+ years of experience in Secured Business Loans/LAP.Preference will be given to local candidates with local geography knowledge.Interested candidates share CV to sam.daniel@hfs.in

Job Summary: We are seeking a dynamic and experienced Administrative Manager to oversee the establishment and operational setup of our new branch. This role involves identifying an optimal location for the branch, coordinating administrative procedures, designing and setting up the branch interior, managing vendor relationships, overseeing branch-related administrative tasks, and ensuring efficient office operations in compliance with company policies and regulations.Key Responsibilities:Branch Location Identification:Conduct thorough market analysis to identify strategic locations that align with the company's objectives and target market.Evaluate potential sites based on factors such as accessibility, visibility, proximity to clients, and cost-effectiveness.Collaborate with real estate professionals to secure the most suitable location for the new branch.Branch Interior Setup:Oversee the procurement and installation of office furniture, equipment, and technology infrastructure to ensure a functional and comfortable working environment.Ensure that the interior setup complies with safety regulations and reflects the company's brand identity.Vendor Management:Identify, evaluate, and select vendors that meet the company's quality, budgetary, and operational requirements.Negotiate contracts and service level agreements to ensure favorable terms and compliance with company standards.Monitor and assess vendor performance, addressing any issues promptly to maintain effective partnerships.Ensure vendors adhere to regulatory and compliance standards relevant to the branch's operations.Branch Administrative Tasks:Oversee daily administrative operations, including scheduling, correspondence, and record-keeping.Implement and monitor administrative policies and procedures to enhance efficiency.Address and resolve any operational issues promptly.Compliance and Reporting:Ensure adherence to company policies, as well as local and national regulations.Prepare and present regular reports on branch operations and performance to senior management.Qualifications:Education: Bachelor's degree in Business Administration, Management, or a related field.Experience: Minimum of 3 years in administrative management, with experience in setting up new branches or offices and managing vendor relationships preferred.

Key Responsibilities:Investor Relations:Serve as a primary point of contact for Key Private Equity Investors, and other stakeholders.Respond to investor queries, ensuring timely and accurate information is shared.Monitor market trends, investor sentiments, and peer companies to provide strategic advice to senior management.Organize and coordinate investor events, such as earning meetings, investor conferences, etc.Produce investor-related materials, including monthly ,quarterly and annual reports & investor presentations. Due Diligence :Assist in Due Diligence conducted with Big 4s,event based on Equity planning.Manage & close all queries, reconciliations & external Due diligence based stakeholder managementBoard Presentation Management:Prepare high-quality presentations for the Board of Directors, ensuring alignment with strategic business objectives and corporate governance requirements.Work closely with senior executives to gather key information and insights for Board meetings, ensuring clarity and effectiveness in the presentation of financial performance, strategies, and risks.Prepare annual and quarterly reports for Board review, ensuring that they reflect company performance, key strategic initiatives, and future outlook.Facilitate the development of detailed board decks that integrate financial data with business context and strategic insights.Ensure presentations align with the companys corporate narrative and messaging.Collaborate with internal teams (Finance, Legal, Business, Portfolio teams) to ensure accuracy and consistency of messages in investor communications.Market & Industry Insights:Conduct competitive analysis and track relevant industry trends to provide strategic insights and recommendations to management.Monitor shareholder composition and make recommendations to optimize shareholder engagement and value.Qualifications:Education:MBA/CFA or equivalent advanced degree preferred in FinanceCA QualifiedExperience:4-5 years of experience in investor relations, corporate communications, finance, or related roles in a corporate or financial services environment.Experience preparing Board presentations and financial analysis role.Strong understanding of financial statements, KPIs, and corporate governance processes.

Role & responsibilities :Good understanding of credit policy and underwriting regarding Business Loans and LAP bookEvaluating credit proposals covering financial, business, market risk & decision of the loanAppraising borrowers financial, business and credit track record to assess the credit worthinessAnalysis of the financial statements, Bank records, ITR and GSTN records of the prospective customer to identify the short term & long term solvency & liquidity positionStrong knowledge about local geography and socio-economic strata of the branch sales state.Effective implementation and coordination with agencies to prevent fraud, over valuation of property and legal riskTo assess the credit risk and adopt suitable course corrections and give feedback to central policy and underwriting team for preventive actionsUnderstanding the customers requirements and ensuring quick service deliveryHold high responsibility for implementation of high standards of underwriting and internal controls in the branch in order to safeguard the assets and dataOverseeing Operational risk & support functions including PDD, collections data and foreclosures requestsMonitor for checks on Frauds and Early Delinquencies; conduct regular branch auditRegular monitoring of portfolio and collateral managementMonitor and enforce approval rate and TAT as per prescribed standardsExecution of all the work to ensure compliance to KYC, regulatory needs, credit underwriting, collateral management, Legal agencies and Audit functionBasic Analytics and MIS reporting to various stakeholders on regular basis at branch levelImplement Standard Operation Policies, Process Documentations and Risk framework as suggested by Risk Policy unitTo initiate suitable process changes to reduce risk and improve overall efficiencyTeam & Vendor Management mentor and train them for proper delegation of work and maintaining credit standardsHas to travel locally daily to do PD, make customer and vendor visits

Job Summary The candidate will play a crucial role in ensuring the organization's adherence to regulatory requirements, with a specific focus on monitoring and implementing compliance measures related to the Reserve Bank of India (RBI), Digital Protections ACT and relevant regulatory frameworks. Primary Responsibilities Regulatory Compliance: Stay abreast of the latest regulatory requirements, guidelines, and updates from the Reserve Bank of India (RBI), Digital Protections ACT, Daksha, and other relevant regulatory bodies. Develop and maintain a comprehensive understanding of the regulatory landscape to ensure the organization's compliance. Policy Development: Collaborate with the legal and IT teams to develop, update and manage Technology policies and procedures to ensure compliance with applicable regulations. Regularly review and update internal policies to align with changing regulatory requirements. Risk Assessment: Conduct regular risk assessments to identify potential compliance risks and vulnerabilities. Implement risk mitigation strategies and ensure that the organization's IT systems and processes are designed to minimize compliance risks. Audit Management: Coordinate and manage internal and external audits related to IT compliance. Work closely with audit teams to address findings, implement corrective actions, and ensure timely closure of audit issues. Training and Awareness: Develop and deliver training programs to educate employees on IT compliance requirements and best practices. Foster a culture of compliance awareness within the organization. Reporting: Prepare and submit regular reports to senior management detailing the status of IT compliance initiatives, audit results, and any identified issues or concerns. Collaboration: Collaborate with cross-functional teams, including IT, legal, and risk management, to address compliance requirements and concerns. Job Requirements Bachelor's degree in Information Technology, Computer Science, or a related field, relevant certifications (CISA, CISM, CISSP) are a plus. Proven experience (2 years) working in IT compliance management, preferably within the financial services industry. Good knowledge of RBI regulations, Digital Protections ACT, Daksha, and other relevant compliance frameworks for NBFCs. Understanding of information Technology & security practices. Excellent communication and interpersonal skills. Strong analytical and problem-solving abilities.

Job SummaryCandidate will have a strong background in managing Network and Firewall, Cloud Datacentre administration, and Information Security tools such as MDM (Mobile Device Management), ZTNA (Zero Trust Network Access), and Email Gateway. Additionally, the IT Manager will be responsible for server administration and possess expertise in Windows and Linux operating systems. Primary ResponsibilitiesNetwork and Firewall Management:Design, implement, and maintain the organization's network infrastructure, ensuring high performance, reliability, and security.Configure and manage network devices, switches, routers, and firewalls to maintain a secure and efficient network environment.Monitor network traffic and proactively address potential vulnerabilities and issues.Cloud Data Centre Administration:Oversee the management and administration of the organization's cloud-based data centre infrastructure.Implement robust security measures and data backup strategies within the cloud environment.Server Administration:Manage and maintain both physical and virtual servers, ensuring their optimal performance and availability.Conduct regular server maintenance, updates, and patch management to prevent system vulnerabilities and ensure smooth operations.Information Security Tools:Implement and manage Information Security tools, such as MDM, DLP, SSO, ZTNA, SIEM to enforce security policies and safeguard sensitive data.Utilize technology available in the market to enhance network security and protect against unauthorized access and data breaches.Manage and configure the Email Gateway to prevent email-based threats and ensure a secure email communication environment.Investigate and respond to security incidents, ensuring a proactive approach to threat detection.ITIL Practices:Apply ITIL best practices to streamline IT service management processes and ensure effective incident, problem, and change management.Implement ITIL-based service improvement initiatives to enhance IT service delivery and customer satisfaction.Windows and Linux Troubleshooting:Possess advanced troubleshooting skills for both Windows and Linux operating systems.Diagnose and resolve complex issues related to OS performance, applications, and system stability.Job Requirements :Bachelor's degree in Computer Science, Information Technology, or a related field.Proven experience as an IT Manager in IT infrastructure management.Strong knowledge of Network and Firewall administration, Cloud Data Center management, and Information Security tools with Extensive experience in Network, Security & server administration.Familiarity with ITIL best practices and their application in IT service management.Excellent communication and problem-solving skills.Industry certifications such as CCNA, CISSP, ITIL, or equivalent are a plus.

Role & responsibilities Develop and execute comprehensive collections strategies to optimize the recovery process and reduce delinquency rates.Conduct regular projections and forecasts of collections targets based on historical data, industry trends, and business objectives.Utilize advanced analytics techniques to analyze collection data, identify patterns, and extract actionable insights.Develop and maintain effective management information systems (MIS) for the collections department, ensuring accurate and timely reporting of key metrics.Monitor collection performance metrics, such as roll rates, collection efficiency, and days sales outstanding (DSO), to identify areas for improvement and drive strategic initiatives.Collaborate with cross-functional teams, including credit, risk, and operations, to ensure alignment of collection strategies with overall business goals.Design and implement collection scorecards and key performance indicators (KPIs) to track and measure the effectiveness of collection efforts.Conduct regular reviews of collection policies and procedures, recommending enhancements and implementing best practices.Provide guidance and support to collection teams, offering training and coaching to enhance their performance and adherence to collection strategies.Collaborate with technology teams to leverage automation and data analytics tools to improve collections processes and efficiency.Stay up-to-date with industry trends, regulatory changes, and best practices in collections strategies and technology solutions.Present collection strategies, insights, and recommendations to senior management and stakeholders, ensuring clear communication of goals and progress.Monitor external collection agency performance, ensuring compliance with regulatory requirements and performance expectations.

Overall Purpose of the Role:Portfolio management and AnalyticsSystem implementation and enhancement Policy formulationAreas of Responsibility:Establish requirements for data maintenance and management and working with IT on implementation. Create Management reporting tools to monitor portfolio performance at portfolio segment (e.g., product, vintage, risk segment, score band, or marketing channel), vintage and account levels to identify positive and negative trends such as improved portfolio quality or heightened delinquencies and recommend strategy changes to the BusinessPreparation of review deck, detailed analysis on portfolio and presenting it to Management. Tracking performance against guardrails, analyze portfolio and macro-economic data to determine potential impact on business operations.Evaluate, implement and monitor internal & external credit scoring modelsFormulating Credit Policy and Operational Guidelines for Retail Lending business.Implementation of new policies in system: Closely work with IT team for implementation of product policies in system, review validations and suggest improvements to increase system efficiency. Managing Business rule engineCreating built-in mechanisms for adherence to the policy and highlighting any deviations that happen to concerned authorities at regular intervals.Qualification & Experience Required:Professional education in Financial stream2-5 years of experience in Credit/ Risk Management. Ability to analyse information, problems, situations, and procedures from an operational perspectiveProficient in Office Applications

Role & responsibilities Manage Secured Business Loans for the designated state.Guide & facilitate Cluster and Area Managers to formulate and drive plans for their respective state.Ensure overall revenue targets are met for the state on a monthly basis.Ensure overall revenue targets are reached as per the approved matrix for the state from all revenue sources (processing fees, cross sell, yield etc.)Ensure the profitability targets to be met for all the product in assigned state.Ensure that branch profitability is maintained (Fee Income >= Branch Cost) which can be measured as per branch score card.Initiate the branch network expansion through network planning, identifying potential market.Develop new strategies to scan the market for potential new avenues & generate revenue from untapped markets; launch new products for generating new business post consultation with respective Business Heads.Formulate the sales, distribution and disbursement strategy for the state.Ensure review of all cases in assigned Region to conduct sales personal discussion (PD) to understand the customer profile and ensure right sourcing.

Role & responsibilitiesManaging Sales of Loan Against Property & Business Loans.Building the Sales and distribution network in the assigned territory.Managing loan process from lead generation till disbursement of loan. Ensure synergy between credit and operation to ensure efficiency of business processes Preferred candidate profile MBA Graduate passed out year of 2024 or 2025Preference will be given to local candidates with local geography knowledge.Interested candidate can share CV to surendar.pandian@hfs.in

Key Responsibilities:Provide day-to-day application support for the Loan Management System (LMS) to ensure system availability and reliability.Collaborate with business teams to understand system requirements, document user issues, and provide effective solutions.Manage system configurations and settings to ensure proper loan servicing operations, including user access, workflows, general ledger and automation.Work with third-party vendors to resolve issues related to third-party integrations, such as credit bureaus, fraud detection tools, and e-signature providers.Conduct UAT for new features, system changes, and bug fixes.Conduct regular system audits to ensure compliance with regulatory requirements and internal policies.Provide user training and support on new features, functionalities, and updates within the LMS.Experience Having minimum 4 to 5 years experience into Secured/Unsecured Loans, Small Business Loans, Home loans, Digital Loans, and Mortgages etc is mandatory.