With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

To ensure the achievement of disbursement targets of retail loan product with minimum delinquency. Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Sanction ratio target achievement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Provide training to staff members and vendors so as to develop a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations. Exp (in yrs) :- 0-3 yrs Qualification :- Graduate in any discipline

Investigate, collaborate, and maintain the Customer Service policies and procedures for the extension of mortgage loans that confirm to bank and industry standards. See improvements to processes and drive the implementation of those improvements with a focus on compliance and efficiency. Review, respond, and develop resolutions for compliance related findings for Customer Service while serving as first line subject matter expert for daily loan scenario questions. Interview, hire, train, coach, evaluate unit team members from Branch Customer Service for optimal performance of the team and track performance. Ensure quality and production goals are met, monitoring workflow levels and redeploying resources as required. Monitor and maintain established operations turn time and quality standards across handling and processing customer requests Foster collaborative relationships with internal customers (credit, collections and Central Retention units) to ensure optimal communication. Stay abreast of changes related to the mortgage Service industry changes related to the mortgage department and suggest changes to processes for providing industry benchmarking services to customers Ensure consistency with main agreed SLA adherence ,monitoring branch service efficiency ,operations policies, procedures and workflow, while maintaining market specific practices necessary for competitive edge. Seek out new technology options for increased quality and efficiency for improved customer experience Ensure nil critical and repeated audit observations as well as nil open customer complaints beyond defined time lines Monitoring Loan closure process and document handover Review operational scorecards to determine root cause of exceptions and detect trends. Identify training opportunities, potential system or process enhancements, and performance development needs Desired Experience: Minimum 8-10 years in the field. Education : Graduate,Masters/Postgraduate

o Manage the risk/reward dynamics for the company s mortgage portfolio by writing and modifing credit policies, product parameters, processes and related guidelines thus establishing overall lending guidelines o Develop and formulate acquisition/portfolio policies and conduct analysis to fine-tune the acquisition/portfolio management strategies in order to optimize risk and reward trade-off o Closely monitor economic social environmental factors that would impact to portfolio credit performance and develop proactive mitigation actions o Review/change/modify documentation processes, forms and guidelines for the mortgage profile and ensure all credit processes are in compliance with company policies and requirements set out by the local as well as lead regulator through effective execution of control programs. o Provide functional support on all credit / risk matters to business teams driving proper execution of risk control and portfolio actions. o Manage and monitor portfolio quality, undertaking periodic portfolio and collection reviews for the business and monitor the branches on triggers. o Undertake monthly reviews based on portfolio MIS and manage triggers, taking decisions on portfolio basis the triggers. o Partner with the business team in the identification, market selection and sales zoning from a credit risk perspective. o Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and area o Ensure adherence to policies and processes, correcting procedural flaws; ensure proper documentation; support Branches in troubleshooting field problems and identifying, designing, and implementing improvements. Ensure that the policies/processes are in adherence with legal and compliance framework in force o Enable credit training on credit fundamentals and processes including origination, credit approval, collection, documentation and disbursement processes o Support coordinate with training team for credit related modules by designing training modules to ensure policy and processes training is easily understood by the teams so as to discharge their responsibilities. o Participate in the development and monitor the effectiveness of statistically validated risk mitigation tools o Drive innovation in methods of identifying and quantifying extant risks as well as emerging and developing risk trends in the market o Provide senior management with clear insights into the factors driving the credit risk profile of the portfolio; provide forecasts of future performance and identify means of mitigating key risk factors. o Develop analytics in collaboration with leaders across the mortgage business to assist in product development and pricing strategies, driving business growth and ensuring prudent risk/return balance. o Interact with various support groups including IT and compliance to initiate and review systems and processes o Ensure compliance to all Audit / NHB regulations.

Recommend appropriate learning approaches by understanding the learning needs to the customer service team based on business goals Core Responsibilities: Responsible for preparing maintaining the knowledge portal for all functions including CRM by coordinating with all functions Responsible for preparing/updating maintaining the CRM-Standard operating process (SOP) Responsible for conducting knowledge test for the CRM team (Front end back end) Ensuring quality parameters are reviewed quality standards are met Close coordination with Quality customer experience manager to ensure superior customer service is delivered across all channels of interaction Ensure standardized drafts customer communication at all channels Ensuring suitable approach note is prepared along with implementation of new processes as and when required Conducting product/process training pertaining to customer service to all functions like operations, sales, collections, credit Conducting detailed onboarding training to new joinee in customer service as well as refreshers Handholding new joinee during OJT period Reviewing the Root Cause Analysis done from the repeat complaints ensuring process gaps are identified suitable training is conducted for the employees Conducting training of the regulatory framework/Policies including grievance redressal policy Qualification - Graduate

10281 Business Development, Portfolio Performance Analysis, Portfolio Modeling, Portfolio Management and Business Analytics, Financial Analyst, wealth Management" Managing PL of the Region and Building up Market Share Owning and Establishing Tata Capital Wealth Management Brand for the regions Recruitment, Nurturing talent,Hand Holding Reviewing team s performance for optimisation of revenues Co Owning clients of the team Address HNI and ultra HNI clients for investment requirements, through exclusive product bouquet and superior and seamless service delivery to assist client in achieving his short term and long term investment goals via proper profiling and offering of various Investment products. Assisting the development and implementation of marketing plans for acquiring new customers in the corporate space and formulate acquisition initiatives. Acquisition and Handling a group of HNI( High Net Worth Exclusive) and UHNIs Clients Profiling Customers and provide financial products to meet customer needs MBA/PGDBA/PGPM or Equivalent/ AMFI / NISM , IRDA certified

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

Tata Capital Ltd is looking for Management Trainee - Career Management to join our dynamic team and embark on a rewarding career journey Shadow and work with experienced managers and leaders to gain an understanding of the roles Participate in projects and initiatives to demonstrate competence and add value to the organization Provide support to managers and teams, as needed Attend meetings, conferences, and other training events to expand knowledge and network with other professionals Evaluate and analyze business operations, identify areas for improvement, and make recommendations for changes Strong commitment to learning and professional development and be open to feedback and constructive criticism Excellent communication, interpersonal, and problem-solving skills

Tata Capital Ltd is looking for Management Trainee - Career Management to join our dynamic team and embark on a rewarding career journey Shadow and work with experienced managers and leaders to gain an understanding of the roles Participate in projects and initiatives to demonstrate competence and add value to the organization Provide support to managers and teams, as needed Attend meetings, conferences, and other training events to expand knowledge and network with other professionals Evaluate and analyze business operations, identify areas for improvement, and make recommendations for changes Strong commitment to learning and professional development and be open to feedback and constructive criticism Excellent communication, interpersonal, and problem-solving skills

Program Management: Assist in overseeing and managing IT programs within the leasing sector, ensuring alignment with business and client requirements. Program Planning and Execution: Contribute to the development of program plans, including defining project scope, timelines, and resource allocation. Support the execution of programs, ensuring the successful delivery of project objectives. Collaboration: Collaborate with cross-functional teams, business units, and stakeholders to contribute to program success and alignment with leasing industry standards. Quality Assurance: Assist in implementing and monitoring quality assurance processes to ensure the delivery of high-quality IT solutions that enhance leasing operations. Risk Management: Support the identification and management of program risks, contributing to decisions on risk mitigation strategies, contingency plans, and issue resolution. Budget Management: Assist in managing program budgets by contributing to cost estimation, monitoring expenses, and ensuring adherence to financial constraints specific to the leasing industry. Change Management: Support the implementation of change management processes to address program changes and minimize disruptions to leasing operations. Reporting and Analysis: Contribute to the preparation and presentation of reports on program performance. Assist in identifying areas for improvement and support the presentation of data-driven recommendations for optimization. Team Support: Work closely with a team of IT professionals and leasing experts. Contribute to fostering a collaborative and high-performing work environment. Qualifications - Minimum Degree: Post Graduate/Graduate in Business / IT / Finance.

To ensure the achievement of disbursement targets with a proper mix of HE/ HL with minimum delinquency. Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Sanction ratio target achievement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Provide training to staff members and vendors so as to develop a strong understanding of the markets / competition / process and products available in the markets and provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations. Graduate in any discipline

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

1. Aggressively drive the sales numbers and achieve the business targets for Home Equity and through cross selling while continuing to enhance and upgrade the client relationships. 2. Retain and expand the companys base of customers for Home Equity and LAP channel(Loan Against Property) so as to ensure repeat business or referrals 3. Maximize sales through a network of DSA / Direct Sales / CA / Builders and by effectively managing connector and builder relationships to ensure strong business. 4. Facilitate the development of a robust business plan so as to improve the disbursal patterns 5. Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business Sales Planning and Team Management 1. Optimize team productivity by effectively leading the team of sales managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area 2. Align with the team on ground lead generation activities for Sales. 3. Lead and supervise the sales team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance 1. Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies 2. Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. 3. Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualification - Graduate / Post Graduate

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the companys base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate

o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the companys base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate

o Aggressively drive the sales numbers and achieve the business targets for home loans and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the companys base of customers for home loan and LAP channel so as to ensure repeat business or referrals o Maximize sales through a network of DSA by effectively managing connector and builder relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Maximize number of APFs and increase penetration in the approved APF projects. o Identify and develop new builder/channel relationships so as to penetrate new markets and thereby increase business o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Sales Planning and Team Management o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team of relationship managers for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Industry & Governance o Constantly keep abreast of market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / NHB regulations as well as processes, policies and reports as per company designed systems. Qualifications: Graduate, Masters/Postgraduate

To drive sales and ensure business targets are achieved Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. Retain and expand the companys base of customers for retail loan product so as to ensure repeat business or referrals Maximize sales through a network and relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area Align with the team on ground lead generation activities for Sales. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Post Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Correspond with multiple sources to negotiate payment schedules that suit the customer s current financial situation while still satisfying the debt. Keep track of the portfolio for specific buckets for the assigned area and control the delinquency of the area, bucket-wise & DPD wise as well as focus on non-starters. Provide efficient customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments Monitor and maintain customer account details for non - payments, delayed payments and other irregularities, making customer calls, account adjustments, small balance write off, customer reconciliations and processing credit memos where necessary. Ensure customer files are updated, recording times and dates that contact has been made and noting information that customers have received about their debt. Trace defaulters and assets in coordination with the agency s tracing team and suggest remedial course of action Identify defaulting accounts and investigate reasons for default while continuing to make efforts to maintain a healthy relationship with the customer Enlist the efforts of sales and senior management when necessary to accelerate the collection process including supporting the collection manager (court receiver) in repossessing assets and seeking legal and police support where required. Ensure compliance to all Audit / regulatory bodies as well as policies and procedures of the company Qualification : Graduate

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Looking sales executive for Secured Business Loan Expereince required minimum 1 year in Secured Business Loan Serves customers by selling products and meeting customer needs. Services existing accounts, obtains orders, and establishes new accounts by planning and organizing daily work schedule to call on existing or potential sales outlets and other trade factors. Focuses sales efforts by studying existing and potential volume of dealers. Keeps management informed by submitting activity and results reports, such as daily call reports, weekly work plans, and monthly and annual territory analyses Should be responsbile for Physical Discussion with Customer( PD) Should be able to understand the property valuation and legal and technical norms

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Achieving business targets as laid down by acquiring new client relationships and maintaining them. Graduate in any discipline Identify target areas for prospective business Pre-screen customer segments as per the organization norms Ensure the number of log in along with disbursement Ensure high customer satisfaction level by proactively understanding customer needs and cross- sell multiple products as per the requirements Execute sales promotion activities to build customer interest in the TCFSL brand Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensure vendor empanelment and develop relationships with new vendors. Develop strong distribution channels Ensure compliance to all Audit / RBI regulations.

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Customer Service Management: Be responsible for Customer s Service requirements on an ongoing basis and ensure that each customer gets best in class Customer Experience. Financial Management: Initiate and Manage leasing transactions including invoicing, collection of lease payments, and managing data ow. r. t. each account under management. Provide financial analysis and insights to support decision-making related to leasing operations. Account Reconciliation: Reconcile accounts to ensure accuracy and completeness, identifying and resolving discrepancies as needed. Manage financial interactions eg Invoicing, Collections, Taxations etc with clients, addressing inquiries and concerns professionally and accurately. Data & Records Maintenance Maintain accurate and organized financial records and documentation, ensuring accessibility for reference and audit purposes. Prepare reports, statements, and analyses to provide insights into the financial performance of account wise leasing exposures. Team Collaboration Collaborate with the other teams to ensure best in class Customer s experience with our processes and policies in the leasing industry. Qualifications - Minimum Degree: Graduate in any discipline

To drive sales and ensure business targets are achieved. . Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. Retain and expand the companys base of customers for retail loan product so as to ensure repeat business or referrals Maximize sales through a network and relationships to ensure strong business Develop and maintain strong liaisons with the clients for repeat business or referrals. Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area Align with the team on ground lead generation activities for Sales. Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Graduate in any discipline

Job Purpose Seeking a dynamic and result oriented Sales Manager to drive lead generation and conversion for housing loans. The ideal candidate will be responsible for planning and executing BTL activities at Tata & other corporates, managing a team and ensuring effective follow-ups to push for maximum conversions. The role requires strong leadership, relationship management and understanding of Housing Loan products. Key Objective of the Job: Develop and implement a sales strategy to generate high quality housing leads from BTL activities at Tata & other Corporates. Drive Home Loan/Equity sales through strategic follow-ups on leads generated. Ensure achievement of monthly sales targets. Coordinate with Internal/external teams, including credit, operations and synergy SPOCs, to facilitate smooth loan processing. Recruit, train and mentor a team of sales executives to maximise productivity Maintain reports on lead conversion, sales performance and team productivity. Provide regular updates to senior management on the same. Monitor competition and market trends to refine sales strategies. Develop and maintain strong customer relationships to enhance referrals and repeat business. Prepare and deliver presentations and product demonstrations for Synergy SPOCs and its Connectors. Represent Tata Capital Housing Finance Ltd. at industry/corporate events to build brand presence and generate leads. Qualification: Graduation / Masters/Postgraduation

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. Credit-Operations Manager will ensure process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. ore Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process. Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC. Ensuring gating rejections in line with credit policy and close monitoring on login quality. Ensuring timely initiation of internal reports and checks as mandated by credit policy. Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy. Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines. Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing. Ensure adherence to policies and SOPs across all credit-operations processes. Identify and rectify process gaps to enhance efficiency and accuracy. Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required. Ensure compliance with regulatory requirements and internal controls. Work on Loan Origination System (LOS) and Finnone for loan processing. Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting. Support digital initiatives to streamline credit-operations processes and improve efficiency. Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region. Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency. Conduct periodic performance reviews and ensure team adherence to KPIs. Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs): First Time Right (FTR) - Ensuring minimal errors in loan files. Turnaround Time (TAT) - Ensuring quick and efficient loan processing. Compliance Adherence - No deviations from policy and regulatory guidelines. Process Efficiency - Identifying and implementing improvements in workflows. Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit team Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques. Hold regular meetings with the business team & conduct regular training for improvement in FTR files Work cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC. Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

This role will be responsible for managing Credit-Operations activities for retail mortgage loans including Home Loans, Home Equity, Affordable Housing Loans, and Digital Loans at a cluster level, covering multiple branches. Credit-Operations Manager will ensure process adherence, quality checks in lines with credit policy, and compliance, acting as a bridge between Credit and Operations teams to ensure seamless loan processing. ore Responsibilities: End-to-End Credit & Operations Oversight with thorough knowledge of credit policy and process. Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC. Ensuring gating rejections in line with credit policy and close monitoring on login quality. Ensuring timely initiation of internal reports and checks as mandated by credit policy. Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy. Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines. Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing. Ensure adherence to policies and SOPs across all credit-operations processes. Identify and rectify process gaps to enhance efficiency and accuracy. Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required. Ensure compliance with regulatory requirements and internal controls. Work on Loan Origination System (LOS) and Finnone for loan processing. Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting. Support digital initiatives to streamline credit-operations processes and improve efficiency. Manage a team of Credit Processing Associates (CPAs) across branches in the assigned region. Ensure regular training and upskilling of CPAs to enhance process knowledge and efficiency. Conduct periodic performance reviews and ensure team adherence to KPIs. Foster collaboration between Credit, Sales, and Operations teams to ensure smooth loan processing. Key Performance Indicators (KPIs): First Time Right (FTR) - Ensuring minimal errors in loan files. Turnaround Time (TAT) - Ensuring quick and efficient loan processing. Compliance Adherence - No deviations from policy and regulatory guidelines. Process Efficiency - Identifying and implementing improvements in workflows. Driving penetration of E-NACH for improved operational efficiency Ensuring acknowledgment of property papers / PDDs from the credit team Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques. Hold regular meetings with the business team & conduct regular training for improvement in FTR files Work cross-functionally with internal partners to develop technological solutions and to adapt and deploy new technologies to drive efficiency, correct deficiencies, and build greater consistency in processes Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the HFC. Ensuring low attrition for the team. Quealifications : Graduate (Preferred: Finance, Business Administration, Commerce or related field) Masters/Postgraduate CA / MBA (Finance) or Equivalent

JD - Credit Monitoring Preparing of Annual Review Notes for allotted Region in corporate Finance in timely manner, Notes are extensive and needs to be made by the candidate, covering detailed financial Analysis and presentation as per DoA for approval of reviews. Preparing Financial spreads in this process. Meeting the customer & visiting the customer s factory. Knowledge of financials ratios , financial spreads is necessary Past Credit / Credit monitoring exposure to corporate customers large / mid necessary Ability of work independently and handle ambiguity and coordinate with various stakeholders Working on presentations to the Credit Monitoring Committee working on SICR reporting to RBI Other Regulatory reporting Customer Information report preparation Portfolio Review in detail for entire portfolio assigned Sector based review of portfolio for NBFC , LAS , Real Estate Identifying early warning signals High Risk/ Exit accounts identified of the reviews Put Call Review note preparation & obtaining timely Approvals Handling of SMA accounts and represent TCFSL in lenders meetings / JLFs as and when required in connection with the SMA accounts. Restructuring of the facility wherever required Valuations of Collateral on timely basis , interacting with customer and valuer for same Office Visits/ customer visits/ Customer calls periodically for result analysis, project assessment. asset verification . Appraising specific post disbursement approvals/ NOCs that are required to be taken by borrowers as per sanction terms and recommending the same to approving authorities. Analyzing GST, IT , PF , allied information towards assessing business activity and financial condition Ensuring compliance to credit monitoring policy for various monitoring activities. Handling of Internal Audit queries Qualifications - Minimum Degree: CA / MBA/PGDBA/PGPM/

To manage all activities pertaining to the sanction life cycle of all borrower accounts in the retail loan business for all short and medium term products Post Graduate/ Graduate in any discipline . Own the entire credit underwriting process for the assigned region, including the consistent application of a credit policy, periodic credit reviews of existing customers, early warning and delinquency management and the assessment of the creditworthiness of potential customers. Conduct periodic review of all existing policies, guidelines and processes to ensure updation on lines of external environment, organization needs and regulatory framework Assess customers sourced by the Sales team as per the credit policy, determine deviations and exceptions and provide decision on deals (approve / suggest modified terms / decline), assess the customers based on customer documents, FI report, Sales visit report, Bureau report (CIBIL, etc) and Tele-verification with the customer / Personal Discussion. Monitor the local market on a monthly basis through interaction (personal visit/conversation over telephone) with customers, dealers, branches and other market intermediaries and provide recommendations for corrective action in sourcing, underwriting, etc Arrange for Credit programs and training within companys credit framework, providing inputs to analytics team to build portfolio analytics and scoring model, ensuring that there is no compromise on the quality of credit & maintain a healthy portfolio. Authorize deviations raised and documented by underwriters in compliance with credit policy. Oversee and initiate follow-ups with external vendors to ensure timely query resolution/ report submission and eliminate any undue/ non-process related delays. Co-ordinate with the recoveries team and generate business insights. Manage end to end credit approval for the designated zone. Engage in development, implementation, review and monitoring of various credit programs and providing training and coaching to continuously upgrade the competency of the team and improving upon processing efficiency of the HUB. Efficiently handle the team, keep them motivated and take quick decisions while being mindful that decision delayed is decision denied. Manage credit buying process which monitors turnarounds, approvals, review of samples including quality checks on process. Develop cross functional collaboration to smooth business and ensure quick TAT Ensure compliance to all Audit / other regulatory regulations as well as processes, policies and reports as per company designed systems

Be the st line custodian of all the products and critically analyse the product performance on the ground. Highlight gaps and lapses periodically to the senior management Ensure that the standard operating process is followed in letter and spirit. Ensure the product logics and configurations are sound on our IT platform and the same delivering the desired performance. Work in collaboration with the IT team and make sure the platform delivers the expected performance. It requires working on system issues from field, highlighting it to IT and giving resolution in a timebound manner. Evaluate new business opportunities and optimization of current channel. Develop new partnerships within and outside of Tata Capital ecosystem for leveraging existing channel for cross sell of different products. Project management when new opportunities and collaborations comes in our way Expected to drive the business by coordinating with the respective channels and sales teams. Responsible for initiating campaigns or plan marketing campaigns on the request of the channels. Work in coordination with the BIU and Marketing team to execute the campaigns Responsible for the development of new product from conceptualization to the launch activities. To engage with Product teams for creating specific products / schemes for Retail loan customers. Responsible for generating and publishing timely MIS to the channel Competition Mapping: Conduct market research activities for competition benchmarking in terms of product proposition and process flow Fee Revenue: Drive Insurance and Other Cross Sell products Process: Carry out Process Improvement Projects to improve ease of doing business and enhance customer experience Training: Responsible for content Development for training the employees on the product knowledge Strategic Initiatives: Focus on building new partnerships, engagements & digital journeys with external vendors Coordinate with cross functional teams like technology & operations team to continuously evolve the user experience through new technology/process changes Gather understanding on the customer experience, identify gaps, work on new ideas to grow market penetration, and drive overall business goals Work closely with BIU, risk & analytics team to explore new segments, analyse customer portfolio, & build new product offerings Liaise with stakeholders from Business intelligence team, risk and analytics team to identify new segments & explore opportunities Education: Post Graduate/ Graduate in any discipline

Perform the following under the guidance/direction of Supervisor/Manager With help of Supervisor/ Manager, Identify the customers for protentional Business Collect the documents from Customers and validate as per the organization norms Logging the case in the system as per SOP and follow the process for disbursement. Fulfil - the Sanction ratio as per organisation requirement Meeting the Customer requirements & cross- sell multiple products, under the guidance of Supervisor/ Manager. With help of Manager / Supervisor, empanelment of new vendor and develop relationships with them With help of Manager / Supervisor, ensure compliance to all Audit / RBI regulations. Under Graduate/ Graduate in any discipline

Handle collections for the assigned area and achieve collection targets on various parameters like resolution, flows, credit cost and roll rates (depending on the bucket) Ensure that the NPAs are kept within assigned budget and active efforts are made to minimize it. Increase the fee income / revenue and develop intiatives to control and reduce the amount of vendor payouts Conduct asset verifications and possession as per SARFESI / Section process through court receivers. Track & control the delinquency of the area (Bucket & DPD wise) and focus on nonstarters Ensure customer satisfaction by ensuring quick resolution of customer issues within specified TAT Build relationships with key clients to ensure timely collections are made and monitor defaulting customers by ensuring regular follow with critical/complex customers to identify reasons for defaulting Represent the organization in front of legal/ statutory bodies as required by the legal team and ensure that the collection team adheres to the legal guidelines provided by the law in force Allocate work to the field executives and ensure that all the agencies in the location perform as per defined SLA, ensuring payments and audit receipts get deposited within the defined SLA. Ensure that there is adequate Feet on Street availability area-wise /bucket-wise/ segment-wise and obtain daily updates from all collection executives on delinquent portfolio & initiate detailed account level review of high ticket accounts Ensure compliance to all Audit / Regulatory bodies as well as policies and procedures of the company Qualification : Post Graduate/Graduate in any discipline

To drive sales and ensure business targets are achieved Aggressively drive the sales numbers and achieve the business targets for Retail loan products and through cross selling while continuing to enhance and upgrade the client relationships. o Retain and expand the companys base of customers for retail loan product so as to ensure repeat business or referrals o Maximize sales through a network and relationships to ensure strong business o Develop and maintain strong liaisons with the clients for repeat business or referrals. o Ensure the files are processed from login stage to disbursement and liaise with internal departments (Operations and Credit) for completion. o Optimize team productivity by effectively managing the team of relationship managers so as to assure achievement of team results and thereby meet the business targets and profitability of the area o Align with the team on ground lead generation activities for Sales. o Lead and supervise the team for the implementation of the growth agenda through appropriate training, motivation and deployment strategies o Constantly keep abreast on market trends and competitor intelligence so as to build and develop effective sales and marketing strategies o Use understanding of the markets / competition / process and products available in the markets to provide positive feedback to the central product and policy team to stay ahead in the market. o Ensure compliance to all Audit / RBI regulations as well as processes, policies and reports as per company designed systems. Post Graduate/ Graduate in any discipline