1. Client Relationship Management: Establish and maintain relationships with clients, understanding their financial requirements and providing tailored loan solutions.2. Loan Assessment: Evaluate the creditworthiness of clients, reviewing financial statements, and credit reports to make lending decisions.3. Loan Structuring: Structure loan deals that meet the specific needs of clients, ensuring they align with the NBFC's risk appetite and profitability goals.4. Loan Portfolio Growth: Work on expanding the personal loan portfolio, acquiring new clients, and cross-selling other financial products and services.5. Compliance: Ensure that all lending practices adhere to regulatory requirements and internal policies, including KYC (Know Your Customer) and AML (Anti-Money Laundering) procedures.6. Market Research: Stay informed about market trends and competition to identify opportunities for personal loan growth.7. Customer Service: Provide ongoing support and excellent customer service to business clients, addressing their inquiries and concerns

Role-Regional Sales Manager-Business LoanLocations- Chennai, Hyderabad, Mumbai, Bengaluru, New Delhi, Kolkata, Haryana (Karnal/Panipat)Role & responsibilities 1. Sales Strategy Development: Develop and execute a comprehensive sales strategy for the designated region, aligning it with the overall business objectives and growth plans of the NBFC, while ensuring that the strategies meet the specific requirements of the region. 2. Team Leadership and Management: Recruit, train, and manage a team of sales managers and executives within the region, providing strong leadership, guidance, and support to ensure the achievement of sales targets and the effective implementation of sales strategies. 3. Market Analysis and Research: Conduct in-depth market research and analysis to identify market trends, customer preferences, and competitor activities within the region, providing insights that inform sales strategies and help in the development of competitive pricing and promotion strategies. 4. Relationship Management: Foster and maintain strong relationships with key clients, partners, and stakeholders within the region, ensuring effective communication and collaboration to drive business growth and expansion within the territory. 5. Performance Monitoring and Reporting: Monitor and analyze sales performance metrics within the region, including sales volume, revenue targets, market share, and customer acquisition costs, providing regular reports and insights to senior management for informed decision-making and strategic planning. 6. Sales Process Optimization: Streamline the sales process within the region, from lead generation to closure, by implementing efficient sales techniques, tools, and technologies to enhance the overall customer experience and increase the conversion rate of leads into sales. 7. Compliance and Documentation: Ensure compliance with all regulatory requirements and internal policies within the region, particularly those related to sales and financial transactions, while maintaining accurate documentation and records in accordance with company guidelines. 8. Training and Development: Identify training needs within the sales team and develop training programs to enhance their skills, product knowledge, and sales techniques, ensuring that the team remains updated on industry trends and best practices. 9. Revenue Generation and Profitability: Focus on revenue generation and profitability within the region by implementing effective pricing strategies, managing costs, and exploring cross-selling opportunities, while ensuring that the sales operations within the region contribute positively to the overall financial performance of the NBFC. 10. Managing the sales operations across the designated area, with a focus on promoting unsecured business loan products through a network of Direct Selling Agents (DSAs). 11. Recruiting, training, and managing DSAs to ensure the achievement of sales targets and adherence to company policies and guidelines. Preferred candidate profile - A bachelor's degree in business administration, finance, marketing, or a related field is desired educational requirement. - Minimum 10 12 years of experience in sales, preferably in the financial sector or a related industry, with a focus on consumer finance or related products. Minimum 8 years of experience in unsecured loan sales. - Proven track record in sales and sales management, including experience leading and managing sales teams. - Sales Leadership: Strong leadership skills to effectively lead and manage a regional sales team, set and achieve sales targets, and motivate and coach team members.

ADVOCATE BILL PROCESSING i) Timely collection of bills from all the locations.ii) Completion of all the requirements for processing the advocate bills. iii) Circulation of payment tracker to the FPRs. Procuring of feedback & periodical update in Oracle/MIS as per requirement, Circulation of various MIS, Daily / Weekly / Tracker updation and maintenance. Maintenance and Preservation of Legal Files for Order Passed, For Filing EP, For Filing Sec 14 Petitions, Notices Received / Dispatched, Police Complaints Filed. Retrieval and Distribution of award copies for Filing EP. Arrange and Share copy of Legal Instruments including Legal Notices, Summons, Warrant under Sec 138, Arbitration Awards etc. for Recovery Support. Updation of legal Status in the system

1. Exposure on Civil & Criminal Litigation Should have exposure to Civil litigation including Arbitration proceedings, Actions under Specific Relief Act, both at High Court and Lower Court, Money suits, Execution of Decree, Interim reliefs both at High Courts and Lower Courts, SARFAESI Should be exposed to Cr.P.C. and various criminal actions under Negotiable Instruments Act and under various provision of IPC. Must be innovative and aggressive in executing actions to create pressure on the customers.2. Police & Administration Should have experience in dealing with Police, Revenue and other District Administration for handling issues related to Repossession of financed assets and any other criminal cases filed against Company or its employees3.Usage of Legal tools for Recovery Should be conversant with using various legal tools to strategize recovery of dues from the customers. Should have dealt with legal cases relating to recovery of both secured and unsecured products4.Consumer forum / Criminal cases Should be well conversant in dealing with high numbers of consumer forum courts and criminal cases initiated against company, any of its director and employees, at all levels5. Close interaction with Recovery Team Experience in closely interacting with recovery team and in supporting recovery efforts. Creating and providing various legal tools to Collections support for Executing legal tools and Joint Customer visit in Critical and High ODPOS cases Orientation towards using Digital ways and means for handling litigation, issuing notices and others to provide cost-effective legal solutions for recovery in Small ticket loans6. Others Liaise with Solicitors and outstation advocates and attend to all civil and criminal litigation including matters Quasi-judicial authorities Advise the business on all legal issues and legal risks pertinent to life insurance business. Drafting of replies to legal notice, consumer complaints, Ombudsman complaints, pleadings, affidavits etc. Providing support in redressal of consumer complaints Track of development in laws and regulations relevant to the Industry. Maintain the litigation deck for the Company Ensure compliance with the Legal Policy.

Job Function: Zonal Manager- RE and Infrastructure DepartmentAdministration & Facilities Sub DepartmentCentral function & Infrastructure Sub-Sub DepartmentInfrastructure & Real Estate DesignationSenior Manager/Chief Manager Reporting toVertical Lead- Real Estate & InfrastructureProfile SummaryZonal Project Manager responsible for branch rollout in line with the organizational deployment plan, including real estate and interior Fitout project management.The role is responsible for adhering to the quality, timelines and the budget parameters laid by the organization. The role & Responsibilities-1. Project Planning and Execution (a) End to end management of branch rollout projects within the assigned zone, ensuring timely and cost-effective delivery.(b) Adhere to the project plans, including timelines, resource allocation, budgets, and risk assessments.(c) Coordinate with stakeholders (internal and external) to deliver project scope.(d) Share the project progress with the Central Project co Ordinator.(e) Handover the project to the business post completion of the project and asset tagging.2. Real Estate & Site Management(a) Identification, acquisition, and leasing of suitable branch locations in alignment with the companys expansion plans.(b) Work closely with the real estate agencies, Central Real Estate team to ensure adherence to legal and statutory requirements. (Due diligence of the premises)(c) Evaluate site readiness and resolve any issues related to site conditions, approvals, or third-party contractors.3. Interior Fitout & Design Coordination(a) Lead interior Fitout activities, ensuring compliance with design specifications, quality standards, and brand guidelines (b) Collaborate with architects/contractors to optimize space planning, aesthetics, and functionality.(c) Ensure all projects align with corporate branding and operational needs. 4. Vendor & Contractor Management(a) Engage, negotiate, and manage relationships with vendors, contractors, and suppliers for real estate development and Fitout projects.(b) Ensure that contractors meet deadlines, quality standards, and budgetary constraints.(c) Monitor contractor performance and resolve issues that may impact project timelines or quality.(d) Timely certification of the invoices basis the scope/products delivered 5. Stakeholder communication and collaboration (a) Serve as the Zonal point of contact for all project-related communications within the zone.(b) Build strong relationships with internal stakeholders (IT, branding, HR & Zonal business teams) and external stakeholders (local authorities, Landlords).(c) Regularly update Central RE & Infra team on project progress, potential risks, and mitigation strategies.(d) Foster a culture of collaboration, accountability, and continuous improvement within the project management team.6. Quality Assurance(a) Oversee quality inspections and ensure that all projects meet the companys high standards.(b) Address any defects or quality concerns promptly to avoid delays and additional costs.(c) Implement continuous improvement processes to enhance efficiency, quality, and service delivery.Qualifications & Experience: bachelors degree in any stream. Civil Engineering/Diploma, Architecture, Project Management, or a related field will be an added advantage.Minimum 10+ years of experience in project management, specifically in real estate development and interior fit outs. Proven track record of managing multi-site projects, preferably in the retail, banking, or corporate sectors. Key Competencies: 1. Strong knowledge of real estate laws, zoning regulations, and construction standards.2. Attention to detail and commitment to quality.3. Proficiency in project management tools (MS Project, Primavera, etc.) and real estate software. 4. Effective time management and organizational skills.5. Ability to manage multiple projects simultaneously and work in a fast-paced environment.

1. Exposure on civil & criminal litigation :Should have exposure of c.p.c. Civil litigation including arbitration proceedings,Actions under specific relief act both at high court and lower court, money suits, execution of decree, Interim reliefs both at high courts and lower courts etc. Good practical knowledge in Sarfaesi Should be exposed to cr.p.c. And various criminal actions under negotiable instruments act and under various provisions of IPC. Must be innovative and aggressive in executing actions to create pressure on the customers.2. Police & administrationShould have experience in dealing with police and administration. Post repossession hassles and any other criminal cases against employees3. Usage of legal tools for recoveryShould be conversant with using various legal tools to strategize recovery of dues from the customers.Should have dealt with legal cases relating to recovery of both secured and unsecured products 4. Consumer forum / criminal casesShould be well conversant in dealing with high numbers of consumer forum courts and criminal cases initiated against company, any of its director and employees, at all levels.5. Close interaction with recovery teamExperience in closely interacting with the recovery team and in supporting recovery efforts. Creating and providing various legal tools to collectionsSupport for executing legal tools and joint customer visit in critical and high odpos cases6. Others Liaise with solicitors and outstation advocates and attend to all civil and criminal litigation including matters quasi-judicial authorities Drafting of replies to legal notice, consumer complaints, ombudsman complaints, pleadings, affidavits etc.Providing support in redressal of consumer complaintsMaintain the litigation deck for the company Ensure compliance with the legal policy.

ADVOCATE BILL PROCESSING i) Timely collection of bills from all the locations.ii) Completion of all the requirements for processing the advocate bills. iii) Circulation of payment tracker to the FPRs. Procuring of feedback & periodical update in Oracle/MIS as per requirement, Circulation of various MIS, Daily / Weekly / Tracker updation and maintenance. Maintenance and Preservation of Legal Files for Order Passed, For Filing EP, For Filing Sec 14 Petitions, Notices Received / Dispatched, Police Complaints Filed. Retrieval and Distribution of award copies for Filing EP. Arrange and Share copy of Legal Instruments including Legal Notices, Summons, Warrant under Sec 138, Arbitration Awards etc. for Recovery Support. Updation of legal Status in the system

Role & responsibilities 1. Managing the sales operations across the designated area, with a focus on promoting unsecured business loan products through a network of Direct Selling Agents (DSAs).2. Recruiting, training, and managing DSAs to ensure the achievement of sales targets and adherence to company policies and guidelines.3. Identifying potential business clients within the area and establishing strong relationships to facilitate the sale of unsecured loan products.4. Conducting thorough financial assessments of potential clients and customizing suitable loan solutions that cater to their specific business requirements and financial capabilities.5. Achieving and surpassing individual sales targets through effective relationship management and sales strategies.6. Providing regular updates and reports on market dynamics, customer feedback, and DSA performance to the management team.7. Collaborating with internal teams to streamline the loan application and approval process, ensuring compliance with regulatory guidelines and company policies.Preferred candidate profile 1. Bachelor's degree in Business Administration, Finance, or a related field. Additional certifications or relevant training in finance and sales may be advantageous.2. Proven track record in sales management roles within the financial services sector, with a focus on unsecured business loans and experience in managing DSAs.3. Strong leadership and interpersonal skills with the ability to recruit, train, and motivate a team of DSAs to achieve sales targets.4. Excellent communication skills, including the ability to effectively convey complex financial information to clients and DSAs.

1. Exposure on Civil & Criminal Litigation Should have exposure to Civil litigation including Arbitration proceedings, Actions under Specific Relief Act, both at High Court and Lower Court, Money suits, Execution of Decree, Interim reliefs both at High Courts and Lower Courts, SARFAESI Should be exposed to Cr.P.C. and various criminal actions under Negotiable Instruments Act and under various provision of IPC. Must be innovative and aggressive in executing actions to create pressure on the customers.2. Police & Administration Should have experience in dealing with Police, Revenue and other District Administration for handling issues related to Repossession of financed assets and any other criminal cases filed against Company or its employees3.Usage of Legal tools for Recovery Should be conversant with using various legal tools to strategize recovery of dues from the customers. Should have dealt with legal cases relating to recovery of both secured and unsecured products4.Consumer forum / Criminal cases Should be well conversant in dealing with high numbers of consumer forum courts and criminal cases initiated against company, any of its director and employees, at all levels5. Close interaction with Recovery Team Experience in closely interacting with recovery team and in supporting recovery efforts. Creating and providing various legal tools to Collections support for Executing legal tools and Joint Customer visit in Critical and High ODPOS cases Orientation towards using Digital ways and means for handling litigation, issuing notices and others to provide cost-effective legal solutions for recovery in Small ticket loans6. Others Liaise with Solicitors and outstation advocates and attend to all civil and criminal litigation including matters Quasi-judicial authorities Advise the business on all legal issues and legal risks pertinent to life insurance business. Drafting of replies to legal notice, consumer complaints, Ombudsman complaints, pleadings, affidavits etc. Providing support in redressal of consumer complaints Track of development in laws and regulations relevant to the Industry. Maintain the litigation deck for the Company Ensure compliance with the Legal Policy.

1. Exposure on civil & criminal litigation :Should have exposure of c.p.c. Civil litigation including arbitration proceedings,Actions under specific relief act both at high court and lower court, money suits, execution of decree, Interim reliefs both at high courts and lower courts etc. Good practical knowledge in Sarfaesi Should be exposed to cr.p.c. And various criminal actions under negotiable instruments act and under various provisions of IPC. Must be innovative and aggressive in executing actions to create pressure on the customers.2. Police & administrationShould have experience in dealing with police and administration. Post repossession hassles and any other criminal cases against employees3. Usage of legal tools for recoveryShould be conversant with using various legal tools to strategize recovery of dues from the customers.Should have dealt with legal cases relating to recovery of both secured and unsecured products 4. Consumer forum / criminal casesShould be well conversant in dealing with high numbers of consumer forum courts and criminal cases initiated against company, any of its director and employees, at all levels.5. Close interaction with recovery teamExperience in closely interacting with the recovery team and in supporting recovery efforts. Creating and providing various legal tools to collectionsSupport for executing legal tools and joint customer visit in critical and high odpos cases6. Others Liaise with solicitors and outstation advocates and attend to all civil and criminal litigation including matters quasi-judicial authorities Drafting of replies to legal notice, consumer complaints, ombudsman complaints, pleadings, affidavits etc.Providing support in redressal of consumer complaintsMaintain the litigation deck for the company Ensure compliance with the legal policy.

1. Exposure on Civil & Criminal Litigation Should have exposure to Civil litigation including Arbitration proceedings, Actions under Specific Relief Act, both at High Court and Lower Court, Money suits, Execution of Decree, Interim reliefs both at High Courts and Lower Courts, SARFAESI Should be exposed to Cr.P.C. and various criminal actions under Negotiable Instruments Act and under various provision of IPC. Must be innovative and aggressive in executing actions to create pressure on the customers.2. Police & Administration Should have experience in dealing with Police, Revenue and other District Administration for handling issues related to Repossession of financed assets and any other criminal cases filed against Company or its employees3.Usage of Legal tools for Recovery Should be conversant with using various legal tools to strategize recovery of dues from the customers. Should have dealt with legal cases relating to recovery of both secured and unsecured products4.Consumer forum / Criminal cases Should be well conversant in dealing with high numbers of consumer forum courts and criminal cases initiated against company, any of its director and employees, at all levels5. Close interaction with Recovery Team Experience in closely interacting with recovery team and in supporting recovery efforts. Creating and providing various legal tools to Collections support for Executing legal tools and Joint Customer visit in Critical and High ODPOS cases Orientation towards using Digital ways and means for handling litigation, issuing notices and others to provide cost-effective legal solutions for recovery in Small ticket loans6. Others Liaise with Solicitors and outstation advocates and attend to all civil and criminal litigation including matters Quasi-judicial authorities Advise the business on all legal issues and legal risks pertinent to life insurance business. Drafting of replies to legal notice, consumer complaints, Ombudsman complaints, pleadings, affidavits etc. Providing support in redressal of consumer complaints Track of development in laws and regulations relevant to the Industry. Maintain the litigation deck for the Company Ensure compliance with the Legal Policy.

Role & responsibilities Team Management: Lead a team of Sales Executives, overseeing hiring, training, and performance management.Revenue Generation: Achieve monthly education loan disbursement targets through new customer acquisition.Sales Support: Assist Sales Executives during client visits, address customer queries, and provide process clarity.Channel Partner Management: Meet with channel partners to generate leads and referrals.Lead Generation to Disbursement: Coordinate and support the lead generation to disbursement process.Customer Service: Deliver high-quality customer service and generate referrals from existing customers.Cross-Functional Collaboration: Collaborate with cross-functional teams to ensure seamless service delivery.Value Proposition: Identify gaps in business relationships and suggest improvements.Cross-Selling: Promote and cross-sell allied products, such as foreign exchange and insurance.Preferred candidate profile Experience: Minimum 3-5 years in sales, preferably in the education loan sector.Skills: Excellent communication skills, team-handling experience, and proficiency in English.Education: Bachelor's degree in Business Administration, Finance, or a related field.Monthly Education Loan Disbursement Targets: Achieve set goals for disbursements.Team Targets: Meet objectives for loan logins and disbursements.Customer Satisfaction and Referrals: Maintain high satisfaction rates and generate referrals.Channel Partner Engagement: Foster engagement and lead generation with partners.Sales Team Performance: Track and enhance team productivity and performance

Role & responsibilities Develop and implement sales strategies to increase market share and achieve sales targets specific to the Indian market.Lead, motivate, and manage a team of sales representatives.Establish and maintain strong relationships with educational institutions, students, and other stakeholders.Conduct market analysis to identify potential clients and opportunities within the education sector.Monitor sales performance and provide training and guidance to the sales team.Present company offerings to potential and existing clients through meetings, calls, and presentations.Prepare and submit regular sales reports to senior management.Stay updated with industry trends, competitive landscape, and new product offerings.Preferred candidate profile Bachelor's degree in marketing, business administration, or related field.5+ years of experience in sales, with at least 2 years in a managerial role within the education loan sector.Strong knowledge of the Indian education loan market.Excellent communication, negotiation, and interpersonal skills.Analytical and problem-solving abilities.

Kindly share your resume on Janhavee.jadhav@poonawallafincorp.comPrinciple Accountabilities: To manage a team of sales Associates To control shrinkage and attrition of sales team Team Lead needs to monitor calls and provide regular coaching and mentoring to sales associates and track low performers in team. Need to ensure CMS reports related to team staffing, AHT etc are maintained. Track AUX adherence and ensure discipline is maintained within the team. Drive sales and ensure achieving the same Month on Month. Identifying training requirements within the team and getting the training conductedTo work on overall team development Desired Profile: Graduate/Postgraduate in any stream 2-3 years experience in Sales (Preferably for lending products)Excellent communication skills (verbal and written)Should be aware about lending concepts.Should have good interpersonal skills.Self-motivated and a self-starterShould have good knowledge of MS office.Should have good presentation skills.Should have problem solving and decision-making skills