Role & responsibilities :This is an Individual Contributor Role.Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessmentResponsible for sanction decisioning as per the Credit Appraisal process and deviation matrixCollaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelinesMonitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targetsMentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.Assess the training and development needs of the team and continuously improve underwriting capabilityShould be willing to adapt to digital tools and processesPreferred candidate profile :10-15 years of relevant experience in Credit underwriting high value LAPDeep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if anyKnowledge of local markets and trends in retail lendingDeep experience & understanding of retail financial services across NBFCs, bankingAbility to liaison & follow-up with external and internal stakeholdersUnderstanding of CIBIL and other checks required to validate customers credibility

Role & responsibilities Responsible for establishing the brand and managing the sales and business development activitiesResponsible for overall sales and cross sell targets through building and development of internal team and external channels (DSA, micro - connectors, micro campaigns and centralised leads) and also maintain adherence to customer satisfaction and profitability metricsMonitor the leads and check for the quality of sourcing and ensure quick conversion of prospects as per the targets setImplement and engage in branch promotion activities for establishing the brand and increasing market coverage.The incumbent is required to have a good knowledge and understanding of the product market Responsible for customer management including all the customer related queries, issues, grievances and focus on resolving them at the earliest along with other cross functional teams in the branchEnsure that all customer documentation is maintained in the prescribed format and transfer of documents is done safely and seamlesslyProvide market feedback on product offerings, channels & processes to senior levels to improve the sameDeploy and ensure adherence by team to effective controls and processes to ensure risks are measured, monitored and controlled on an on-going basisCollaborate and provide requisite data for risk management and internal audit processesResponsible for knowing and complying with all the legal requirements as per the law of the landSupport collections team in assessing delinquencyAbility to hire and build team and provide support to HR in hiring processResponsible for empanelment, activation, training and development of external channel partners (connectors, DSAs) and release of channel payments on time Ensure DST and channel partners (connector, DSA) development through right training initiativesModel and foster behaviours that support the organizations values and culture creating an atmosphere of trust, cooperation, accountability and dedication to the organizationMonitor individual, team and DSA performance and take steps to improve productivity and correct aberrations .Ensuring that the engagement and motivation levels are high in the team.Willingness to adapt to digital tools and processes Preferred candidate profile 5-10 years of experience in sales preferably in HFC or in NBFC Ability to liaison & follow-up with external and internal stakeholdersExperience of recruiting sales team and channel partners Good written & verbal communication skillsAbility to work under tight deadlines Knowledge and understanding of the marketKnowledge of compliance regulations as issued by NHB, RBI etc.

Role & responsibilities 0-5 years of experience in banking or finance industry (preferably in MSME lending).Strong understanding of microfinance products such as loans against property (LAP) and other secured/unsecured loans.Ability to work independently with minimal supervision while meeting targets.Preferred candidate profile Manage relationships with existing clients to identify their financial needs and provide tailored solutions.Identify new business opportunities through networking, referrals, and market research.Process loan applications from start to finish, ensuring timely disbursement of funds.Maintain accurate records of client interactions, transactions, and performance metrics.Candidates who are interested to join sales team in Micro LAP, may please share cv at Siddhartha.gupta@piramal.com

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions.Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster.Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level.Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch.Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment.Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix.Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines.Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets.Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.Assess the training and development needs of the team and continuously improve underwriting capability.Should be willing to adapt to digital tools and processes.Preferred candidate profile Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate.6-10 years of relevant experience in Credit underwriting high value LAPDeep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if anyKnowledge of local markets and trends in retail lendingDeep experience & understanding of retail financial services across NBFCs, bankingAbility to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships. Responsible for ensuring the adherence of KYC documents as per the guidelines by the company. Responsible for achieving the cross-sell targets from the Micro LAP customers like insurance or any other appropriate product which may come up from time to time. Responsible for establishing the Piramal brand and managing the sales and business development activities for Micro LAP with focus on LAP segment in the assigned hub location. The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service. Location: Dindigul,Karur,Kumbakonam,Madurai,Marthandam,Mayiladuthurai,Nagarkoil,Pudukkottai - Santhanathapuram,Tanjore,Tenkasi - Mattappa Street,Theni,Thirunelveli,Tiruvarur,Trichy

Job descriptionRole & responsibilities :Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policyReview credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessmentResponsible for sanction decisioning as per the Credit Appraisal process and deviation matrixCollaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelinesMonitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targetsMentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.Assess the training and development needs of the team and continuously improve underwriting capabilityShould be willing to adapt to digital tools and processesPreferred candidate profile :10-15 years of relevant experience in Credit underwriting LAPDeep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if anyKnowledge of local markets and trends in retail lendingDeep experience & understanding of retail financial services across NBFCs, bankingAbility to liaison & follow-up with external and internal stakeholdersUnderstanding of CIBIL and other checks required to validate customers credibility

Piramal Capital & Housing Finance is hiring Relationship Manager for its retail business. The incumbent would be responsible for achieving the sales and cross-sell targets, improve profitability and enhance company's reputation. Products - Micro LAP Role & responsibilities Responsible for empanelment of channel and acquiring the customers for Micro LAP from open market and developer relationships.Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time. Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.Responsible for ensuring the proper completion of the files within timeline as per the company checklist. Responsible for ensuring the proper closure of disbursement documentation within the timeline. Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc. Responsible for communicating the reasons for rejection to the customer whose file has been rejected. Adherence to the organizations policies and procedures and compliance with legal and regulatory requirementsResponsible for training, development and activisation of channels and release of channel payments on time. Responsible for maintaining the existing relationship with builders for APF & bulk sales.Responsible for sourcing of builder project files and getting their project approval done by the organization.Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention. Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.Preferred candidate profile 0 to 6 years experience in HFC or Mortgage Industry in the affordable /mass affluent market.Ability to liaison & follow-up with customers, channels and internal stakeholders. Good written & verbal communication skillsAbility to work under tight deadlines Interested candidates may share the updated CV to sastha.iyyappan@piramal.comContact Number : 9159370918

Piramal Capital & Housing Finance is hiring Relationship Manager for its retail business. The incumbent would be responsible for achieving the sales and cross-sell targets, improve profitability and enhance company's reputation. Products - Micro LAP Role & responsibilities Responsible for empanelment of channel and acquiring the customers for Micro LAP from open market and developer relationships.Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time. Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.Responsible for ensuring the proper completion of the files within timeline as per the company checklist. Responsible for ensuring the proper closure of disbursement documentation within the timeline. Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc. Responsible for communicating the reasons for rejection to the customer whose file has been rejected. Adherence to the organizations policies and procedures and compliance with legal and regulatory requirementsResponsible for training, development and activisation of channels and release of channel payments on time. Responsible for maintaining the existing relationship with builders for APF & bulk sales.Responsible for sourcing of builder project files and getting their project approval done by the organization.Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention. Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.Preferred candidate profile 0 to 6 years experience in HFC or Mortgage Industry in the affordable /mass affluent market.Ability to liaison & follow-up with customers, channels and internal stakeholders. Good written & verbal communication skillsAbility to work under tight deadlines Interested candidates may share the updated CV to sivasubramanian.m@piramal.com

Hi All,We have job opening for Branch Sales Manager - Micro LAP.Job Requirements :5-6 years of experience in banking or finance industry (preferably in Micro LAP).Strong understanding of microfinance products such as loans against property (LAP) and other secured/unsecured loans.Excellent communication skills for effective client interaction and negotiation.Ability to work independently and manager a team with minimal supervision while meeting targets.Roles and Responsibilities :Manage relationships with existing clients to identify their financial needs and provide tailored solutions.Identify new business opportunities through networking, referrals, and market research.Process loan applications from start to finish, ensuring timely disbursement of funds.Maintain accurate records of client interactions, transactions, and performance metrics.

Role & responsibilities :Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policyReview credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessmentResponsible for sanction decisioning as per the Credit Appraisal process and deviation matrixCollaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelinesMonitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targetsMentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.Assess the training and development needs of the team and continuously improve underwriting capabilityShould be willing to adapt to digital tools and processesPreferred candidate profile :10-15 years of relevant experience in Credit underwriting LAPDeep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if anyKnowledge of local markets and trends in retail lendingDeep experience & understanding of retail financial services across NBFCs, bankingAbility to liaison & follow-up with external and internal stakeholdersUnderstanding of CIBIL and other checks required to validate customers credibility

Role & responsibilities Responsible for building and development of internal team and external channel partners.Responsible for achieving the sales and cross-sell targets, customer satisfaction, productivity and thus enhance profitability through the team of DSTs.Responsible for establishing the Piramal brand and managing the sales and business development activities for Micro LAP in the affordable segment.Smooth functioning of lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.The incumbent is required to have a good knowledge and understanding of the local affordable markets.Knowledge of compliance regulations as issued by RBI and the company. Incorporate these requirements into the business processes and procedures. Periodic self assessments including corrective action as needed and ensure appropriate training of the team regarding the same.Preferred candidate profile Perks and benefits

Position: Scrum Master Experience: 4 - 6 years in Agile/Scrum environment Location: Chennai, India (On-site) Working Days: 6-day work week (Monday to Saturday) About Asign (Funded by Piramal)Asign is a comprehensive digital ecosystem designed for the art and culture sector. Unlike traditional art marketplaces, Asign goes beyond just buying and selling - our platform offers a full suite of tools that empower artists, collectors, galleries, and institutions to manage, authenticate, and engage with art in a seamless and secure environment. What We Offer: Asign integrates multiple key functionalities into one platform: Inventory Management - A streamlined system for artists, collectors, and galleries to catalog and organize their artworks. Marketplace - A dedicated space to buy and sell artworks, ensuring transparency and authenticity in every transaction. Global Identification System - Proprietary technology that assigns a unique identification number to each artwork, helping establish provenance and authenticity. Discover Module - A space where users can explore and engage with the latest art trends, news, events and much more. Future Expansion - We plan to introduce modules for auctions, e-commerce, and other tools that further enrich the art ecosystem. What You'll Be Working On: As a Scrum Master, you will be responsible for guiding and coaching Agile teams to deliver high-quality digital products efficiently. You will work closely with Product Manager, Developers, UI/UX Designer, and QA Engineer to ensure smooth Agile execution and drive continuous process improvements. Key Responsibilities: Organize and facilitate Scrum ceremonies (Daily Stand-ups, Sprint Planning, Sprint Reviews, Retrospectives). Facilitate Agile Processes & Scrum Events Guide teams in effectively breaking down tasks and prioritizing work in sprints. Ensure that development teams adhere to Agile principles and best practices. Remove Roadblocks & Improve Team Efficiency Identify and eliminate blockers that slow down development progress. Shield the team from external distractions to maintain focus and productivity. Ensure smooth collaboration between Product Managers, Developers, and QA teams. Coach & Guide Agile Teams Mentor teams in Scrum, Agile frameworks, and best practices. Foster a self-organizing, high-performance team culture. Promote Agile mindset and values across teams and stakeholders. Enhance Sprint & Product Delivery Work with the Product Manager and Developers to define sprint goals and deliverables. Encourage data-driven decision-making using Agile metrics (velocity, burndown charts, etc.). Ensure that user stories are well-defined, estimated, and deliverable within sprint timelines. Manage Stakeholder Communication & Collaboration Act as a bridge between business team, product team, and developers. Facilitate cross-team collaboration to ensure smooth execution of product development. Align team efforts with company-wide goals while maintaining Agile flexibility. Continuous Improvement & Agile Transformation Analyze and improve Scrum processes, workflows, and team efficiency. Drive retrospective action items and ensure implementation of process improvements. Train teams in Lean Agile principles, Kanban, and DevOps best practices. Required Skills & Qualifications Educational Qualifications: Bachelors degree in Computer Science, Information Technology, or a related fieldAgile/Scrum certifications (CSM, PSM, SAFe) are a strong plus. 3+ years of experience as a Scrum Master in an Agile environment. Strong understanding of Scrum, Kanban, and Agile frameworks. Expertise in facilitating Sprint Planning, Daily Stand-ups, Reviews, and Retrospectives.Proficiency in Agile tools (JIRA, Trello, Azure DevOps, or similar). Strong problem-solving and impediment-removal skills. Excellent communication skills to work with cross-functional teams and stakeholders. Strong ability to coach teams and drive Agile transformation.

About Asign : (Funded by Piramal)Asign is a comprehensive digital ecosystem designed for the art and culture sector. Unlike traditional art marketplaces, Asign goes beyond just buying and selling - our platform offers a full suite of tools that empower artists, collectors, galleries, and institutions to manage, authenticate, and engage with art in a seamless and secure environment. What We Offer? Asign integrates multiple key functionalities into one platform: Inventory Management - A streamlined system for artists, collectors, and galleries to catalog and organize their artworks. Marketplace - A dedicated space to buy and sell artworks, ensuring transparency and authenticity in every transaction. Global Identification System - Proprietary technology that assigns a unique identification number to each artwork, helping establish provenance and authenticity. Discover Module - A space where users can explore and engage with the latest art trends, news, events and much more. Future Expansion - We plan to introduce modules for auctions, e-commerce, and other tools that further enrich the art ecosystem. What Youll Be Working On As a QA Engineer at Asign?You will play a key role in ensuring the quality and reliability of our platform. Your primary responsibilities will include manual testing, test automation, API testing, defect management, and collaborating with developers and product teams to optimize quality assurance processes. Key Responsibilities: Test Planning & Execution: Develop and execute detailed test plans, test cases, and automation scripts based on project requirements. Perform manual and automated testing to validate product functionality, usability, and stability. Conduct functional, regression, smoke, integration, UAT, and cross-browser testing to ensure high-quality software releases. Identify edge cases and exploratory scenarios to uncover potential issues. Test Automation & API Testing:Develop and maintain automated test scripts using Selenium, Cypress, or Playwright. Implement and execute API testing using Postman, RestAssured, or similar tools. Execute automated regression tests as part of CI/CD pipelines to ensure continuous software quality. Work with developers to integrate automated tests into the development lifecycle. Defect Management & Tracking :Identify, document, and track defects using JIRA or similar bug-tracking tools.Collaborate closely with developers to debug, reproduce, and verify fixes.Participate in defect triage meetings to prioritize and resolve issues efficiently. Process Optimization & CollaboratiomWork in an Agile/Scrum environment, actively participating in sprint planning and stand-ups. Collaborate with Product Managers, Developers, and UI/UX teams to define and refine test strategies. Continuously improve test automation frameworks and optimize QA processes. Mentorship & DocumentationMaintain clear documentation of test cases, automation scripts, defect reports, and daily status updates. Provide guidance to junior QA engineers, helping them improve their automation skills. Ensure compliance with QA standards, security guidelines, and best practices. Required Skills and Qualifications: Educational Qualifications Bachelors degree in Computer Science, Information Technology, or Software Engineering. Primary Technical Skills (Mandatory) Test Automation Expertise: Hands-on experience with Selenium, Cypress, Playwright, or similar automation frameworks. API Testing Proficiency: Strong experience with Postman, RestAssured, or similar tools. Manual Testing Knowledge: Experience in functional, regression, UAT, smoke, and cross-browser testing. Bug Tracking & Defect Management: Hands-on experience with JIRA or similar bug tracking tools. SQL/MongoDB Experience: Basic knowledge for data validation in testing. CI/CD Integration: Familiarity with integrating test automation into CI/CD pipelines. Performance Testing (Preferred): Exposure to JMeter, LoadRunner, or similar tools. Cloud Testing (Preferred): Experience with AWS or Azure is a plus. Experience: Minimum 3 years Location: Chennai, India (on-site) Working Days: 6 day work week (Monday to Saturday)

Role & responsibilities:Outline the day-to-day responsibilities for this role.Preferred candidate profile:Specify required role expertise, previous job experience, or relevant certifications.Perks and benefits:Mention available facilities and benefits the company is offering with this job.

ABOUT USPiramal Retail Finance, the consumer lending platform of Piramal Enterprises Limited, engages invarious financial services businesses. It is focused on serving all lending needs of consumers and small businesses across Bharat, differentiating through product personalization & superior customer experience. currently offers multiple products in its target markets including Affordable Housing loans, Mass Affluent Housing loans, Loans Against Property, Secured Small Business Lending, Digital Purchase Finance, Digital Personal Loans, and Used-Car loans across Tier I, II and III cities. Essential Qualifications: • Graduate from an accredited college• Post Graduation preferredEssential Experience:• 7-10 years of experience in sales preferably managing small ticket business.• Ability to liaison & follow-up with external and internal stakeholders• Experience of recruiting sales team and channel partners• Good written & verbal communication skills• Ability to work under tight deadlines• Knowledge and understanding of the market• Knowledge of compliance regulations as issued by NHB, RBI etc.Key Responsibilities:• Responsible for establishing the brand and managing the sales and business development activities• Responsible for overall sales and cross sell targets through building and development of internal team and external channels (DSA, micro - connectors, micro campaigns and centralized leads) and also maintain adherence to customer satisfaction and profitability metrics• Monitor the leads and check for the quality of sourcing and ensure quick conversion of prospects as per the targets set• Implement and engage in branch promotion activities for establishing the brand and increasingmarket coverage.• The incumbent is required to have a good knowledge and understanding of the product market• Responsible for customer management including all the customer related queries, issues, grievances and focus on resolving them at the earliest along with other cross functional teams in the branch• Ensure that all customer documentation is maintained in the prescribed format and transfer of documents is done safely and seamlessly• Provide market feedback on product offerings, channels & processes to senior levels to improve the same• Deploy and ensure adherence by team to effective controls and processes to ensure risks are measured, monitored and controlled on an on-going basis• Collaborate and provide requisite data for risk management and internal audit processes• Responsible for knowing and complying with all the legal requirements as per the law of the land• Support collections team in assessing delinquency• Ability to hire and build team and provide support to HR in hiring process• Responsible for empanelment, activation, training and development of external channel partners (connectors, DSAs) and release of channel payments on time• Ensure DST and channel partners (connector, DSA) development through right training initiatives• Model and foster behaviors that support the organizations values and culture creating an atmosphere of trust, cooperation, accountability and dedication to the organization• Monitor individual, team and DSA performance and take steps to improve productivity and correct aberrations .• Ensuring that the engagement and motivation levels are high in the team.• Willingness to adapt to digital tools and processes

Role & responsibilities Responsible for upholding the Piramal brand by assessing customers sourced by the Sales team in line with the credit policy, and determine deviations and exceptions.Handle oversight & review of credit underwriting of small ticket LAP in the mapped cluster.Establish key qualification rules & credit worthiness of potential applicants for cases having discrepancies at the branch level.Analyze the on ground delinquencies market trends specific to the area location and provide related feedback to Geography credit manager and branch.Functionally manage the branch credit team for prompt and quality credit processing, adhering to the credit policy and defined processes & providing necessary approvals in line with the credit policy.Review credit evaluation reports, evaluate borrower risk, transaction and underlying security and make recommendations in line with the assessment.Responsible for sanction decisioning as per the Credit Appraisal process and deviation matrix.Collaborate with technical and legal teams for comprehensive assessment for underwriting and maintaining TAT of the complete loan sanctioning timelines.Monitor compliance to the credit policy and processes to ensure that the right quality of business being sourced, and the delinquencies are kept under the identified targets.Mentor and guide the branch credit manager for attainment of set targets, discipline, process compliance and adherence to company's rules and regulations.Monitor productivity level of branch credit manager and conduct periodic branch visits for supervision and better oversight.Assess the training and development needs of the team and continuously improve underwriting capability.Should be willing to adapt to digital tools and processes.Preferred candidate profile Preferably CA/CA Inter/ ICWA/ MBA Finance / Post Graduate/ Graduate.6-10 years of relevant experience in Credit underwriting high value LAPDeep understanding and focus on risk, controls, compliance and regulatory framework and ability to apply knowledge on credit policy in assessing inherent risks, if anyKnowledge of local markets and trends in retail lendingDeep experience & understanding of retail financial services across NBFCs, bankingAbility to liaison & follow-up with external and internal stakeholders Understanding of CIBIL and other checks required to validate customers credibility

Piramal Capital & Housing Finance is hiring Relationship Manager for its retail business. The incumbent would be responsible for achieving the sales and cross-sell targets, improve profitability and enhance company's reputation. Products - Micro LAP Role & responsibilities Responsible for empanelment of channel and acquiring the customers for Micro LAP from open market and developer relationships.Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time. Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.Responsible for ensuring the proper completion of the files within timeline as per the company checklist. Responsible for ensuring the proper closure of disbursement documentation within the timeline. Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc. Responsible for communicating the reasons for rejection to the customer whose file has been rejected. Adherence to the organizations policies and procedures and compliance with legal and regulatory requirementsResponsible for training, development and activisation of channels and release of channel payments on time. Responsible for maintaining the existing relationship with builders for APF & bulk sales.Responsible for sourcing of builder project files and getting their project approval done by the organization.Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention. Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team.Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues.Preferred candidate profile 0 to 6 years experience in HFC or Mortgage Industry in the affordable /mass affluent market.Ability to liaison & follow-up with customers, channels and internal stakeholders. Good written & verbal communication skillsAbility to work under tight deadlines Interested candidates may share the updated CV to sastha.iyyappan@piramal.comContact Number : 9159370918

Role & responsibilities Responsible for building and development of internal team and external channel partners.Responsible for achieving the sales and cross-sell targets, customer satisfaction, productivity and thus enhance profitability through the team of DSTs.Responsible for establishing the Piramal brand and managing the sales and business development activities for Micro LAP in the affordable segment.Smooth functioning of lending process at the various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.The incumbent is required to have a good knowledge and understanding of the local affordable markets.Knowledge of compliance regulations as issued by RBI and the company. Incorporate these requirements into the business processes and procedures. Periodic self assessments including corrective action as needed and ensure appropriate training of the team regarding the same. Role & responsibilities Preferred candidate profile Perks and benefits

Role & responsibilities 0-5 years of experience in banking or finance industry (preferably in MSME lending).Strong understanding of microfinance products such as loans against property (LAP) and other secured/unsecured loans.Ability to work independently with minimal supervision while meeting targets.Preferred candidate profile Manage relationships with existing clients to identify their financial needs and provide tailored solutions.Identify new business opportunities through networking, referrals, and market research.Process loan applications from start to finish, ensuring timely disbursement of funds.Maintain accurate records of client interactions, transactions, and performance metrics.Candidates who are interested to join sales team in Micro LAP, may please share cv at Siddhartha.gupta@piramal.com

Piramal Enterprises Ltd.CA Fresher Internal AuditJob Summary:We are seeking an Internal Auditor to join our Internal Audit team. You will support the internal audit function by assisting in the evaluation of internal controls, risk management processes, and compliance with company policies and regulatory requirements.Key Responsibilities:Assist in planning and executing internal audit assignments in line with the audit plan.Conduct risk assessments and identify areas for process improvement.Review financial records, operational procedures, and compliance with regulatory standards.Prepare audit reports with clear findings and recommendations.Support the development of audit tools, checklists, and documentation.Collaborate with cross-functional teams to ensure effective internal controls.Qualifications:CA Fresher passed out in May/Nov 2024 Proficiency in Microsoft Office tools (Excel, PowerPoint, Word) with a readiness to learn and adapt to new systems and processes.Strong communication skills to convey complex information clearly, both verbally and in writing.Candidates who have completed their articleship in Internal Audit role will be preferred.Willingness to travel across geography and review branch offices.Why Join Us?Joining the Internal Audit team at Piramal Finance offers a unique opportunity to be part of a dynamic, growth-oriented organisation known for its strong focus on governance, risk management, and operational excellence. Piramal Finance is a Great Place To Work-Certified company, fostering a culture of trust, continuous learning through initiatives like Piramal Learning University, and promoting values like Knowledge, Action, Care, and Impact.The companys commitment to diversity, inclusion, and innovation—evident in initiatives like all-women branches and the Piramal Innovation Lab—demonstrates its forward-thinking approach.

Role & responsibilities Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships.Responsible for ensuring the adherence of KYC documents as per the guidelines by the company.Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time. Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location.The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY.Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service.Responsible for ensuring the proper completion of the files within timeline as per the company checklist. Preferred candidate profile Perks and benefits