Years of Experience for Internal Audit: 8-10 years

Educational Qualification: CA.

Role & responsibilities

• Having Initial Discussions with key business stakeholders to understand the requirements for Audit
• Developing risk- based annual audit plans detailing the scope, nature and timing of audit activities.
• Preparation of Audit Scope of Work
• Developing the Internal Audit Framework
• Finalizing Audit and discussion of major observations/inefficiencies identified with process owners
• Preparing Draft Audit Report and giving recommendations to management for improvement in business and financial processes and activities.
• Provide senior management and the Audit Committee of Board (ACB) with an opinion on the adequacy, effectiveness and efficiency of the internal controls in the organization.
• Performed Follow up procedures with management until all control recommendations have been actioned and agreed as closed by Internal Audit.

Years of Experience for Sr. Manager Internal Audit: 5-8 years

Educational Qualification: CA

Job description

Role & responsibilities

• Having Initial Discussions with key business stakeholders to understand the requirements for Audit
• Developing risk- based annual audit plans detailing the scope, nature and timing of audit activities.
• Preparation of Audit Scope of Work
• Developing the Internal Audit Framework
• Finalizing Audit and discussion of major observations/inefficiencies identified with process owners
• Preparing Draft Audit Report and giving recommendations to management for improvement in business and financial processes and activities.
• Provide senior management and the Audit Committee of Board (ACB) with an opinion on the adequacy, effectiveness and efficiency of the internal controls in the organization.
• Performed Follow up procedures with management until all control recommendations have been actioned and agreed as closed by Internal Audit.

Years of Experience: 5-8 years

Educitional Qufication: MBA preferred-Finance/Business Analytics

Job Description:

• Support in Product Development and enhancing loan products, considering market trends, customer needs, and competitive landscape.
• Market Research: Conducting market research to identify customer preferences, competitor offerings, and emerging trends in MSE loans.
• Support in Strategic Planning by formulating product strategies, including pricing, positioning, and go-to-market plans.
• Collaborating with cross-functional teams to gather and prioritize product requirements.
• Analyzing customer data and performance metrics to make data-driven decisions for product improvements.
• Focusing on delivering an exceptional customer experience through user-friendly loan applications and support services with digital interventions.
• Effectively communicating progress to stakeholders within the organization.

Years of Experience: 2-3 Years

Educational Qualification: MBA Preferred –Finance/Business Analytics

Role & responsibilities:

• The MIS executive plays a crucial role in leveraging technology to support business operations, facilitate decision-making, and drive organizational growth and efficiency.
• Maintaining and updating databases, ensuring data integrity, and managing access controls.
• Analyzing product (Micro Loan) data to generate insights, creating reports, and presenting findings to management for decision-making.

Preferred candidate profile

• Graduate with 3+ yrs exp in Product Management Preferably from NBFC.

Years of Experience: 10-14 Years

Educational Qualifications: MSc/Mtech/Btech

Role & responsibilities:

• Create and maintain the documentation for IT governance risk management and audits in accordance with regulatory & compliance requirements
• Conduct IT steering committee meetings and ensure the actions derived are tracked and closed within the agreed timelines.
• Responsible for conducting Change management committee meetings
• Introduce and drive tool-based Change and Release management culture within the organization.
• Provide guidance in the design and implementation of security controls in line with policies and standards defined.
• Monitoring and ensuring the policy / Standard Operating Procedures adherence across different IT functions.
• Monitor, analyse and track requests for policy exceptions and support the assessment and qualification of risks associated with deviations.
• Develop standard metrics and KPIs for reporting compliance with policies, standards and regulatory requirements.
• Demonstrate in-depth technical capabilities and professional knowledge, demonstrate ability to assimilate new knowledge.

Years of Experience: 10-12 years

Educational Qualification: MSc/Mtech/Btech

Role & responsibilities:

• Candidate should oversee the planning, execution, and completion of projects. The responsibilities include defining project goals, creating schedules, managing resources and ensuring timely delivery within budget constraints.
• Create solution architecture.
• Provide subject matter expertise to all aspects of Salesforce platform.
• Conceptualization, Building Solutions in constant discussion with Business Partners, Vendor , and presenting solution to the stakeholders.
• Require expertise in Requirement Gathering, Requirement Analysis, Requirement Finalization, BRD Writing, Solution Designing all Digital Products integration.
• Candidate should be able to create test scenarios for testing purpose for any system enhancement/ development and have the experience of testing in-depth.

Candidate should be able to identify project deliverables, organize tasks & activities, follow up diligently with all stakeholders and ensure milestones are achieved within the target timelines

Years of Experience: 5-8 Years

Educational Qualification: LLB

Role & responsibilities:

To handle all non-litigation matters.

• This position is responsible for providing legal support at a pan bank level and acting as a link between different units, branches and internal/external customers
• Handling and resolving all day-to-day matters relating to legal issues (including but not limited to legal notices, etc.) of the organization in a timely manner and framing legal views for such matters.
• Drafting and vetting all kinds of agreements for the organization such that the interests of the organization are protected.
• Work with the teams working on non-litigation matters.
• Ensure extending problem-solving skills to create value
• Due diligence of lands and structuring of acquisitions.
• Lead initiatives to put in place best in class systems and processes in order to improve team performance
• Vetting of documents such as Agreement for Sale, Leave & License Agreement, Lease Agreement, Development Agreements, Deed of Conveyance, Tenancy Agreement, Deed of Gift, Documents related to Mortgage - Hypothecation - Pledge, Power of Attorney, Affidavit and other documents pertaining to litigation.

Internal Interactions: Law firms, Council, Advocates, Solicitors 8. Minimum practice of 5+ years in NBFC /Banking /Financial Services and having handled matters involving property laws including revenue related proceedings, Title search etc.

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Mira Road

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• Exp: 5 - 8 Yrs
• Graduate/ Post Graduate
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Nerul

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• ​Exp: 5 - 8 Yrs
• Graduate/ Post Graduate 
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Nigdi Branch

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• Exp: 5 - 8 Yrs
• Graduate/ Post Graduate
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Uran

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• Exp: 5 - 8 Yrs
• Graduate/ Post Graduate
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Nagpur Bhim Chowk

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• ​Exp: 5 - 8 Yrs
• Graduate/ Post Graduate  
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Sales Manager- Gold Loan Function: Sales

Band: B1c Grade: Deputy Manager Department: Gold Loan

Reports to: Area Manager Location : Nagpur Rameshwari

Role purpose:

• Branch Management, Profitability & Compliance
• Key accountabilities and decision ownership:
• To do marketing activities and to acquire new customers for the branch.
• To do disbursement of Gold Loans through below the Line marketing activities
• To cross sell Third party products
• To do Distribution product suit available for the branch
• To do marketing activities
• To do proper cross checking of KYC and documentation part.
• To keep proper eye on customer service
• To have better understanding on the product and policies
• To have better knowledge on the Gold Appraisal adherence according to the laid down norms
• Follow-up responsibility with the clients on the margin, interest payment, maturity renewals and auctions
• Telecalling responsibility Core competencies

Knowledge & Experience:

• ​Exp: 5 - 8 Yrs
• Graduate/ Post Graduate
• Market intelligence
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

• Financial stakeholders management
• Process Efficiency
• Customer Centricity

Direct reports:
None

Role title: Branch Business Head- MSE LAP Function: Sales

Band: B2A Grade: Manager Department: MSE LAP

Reports to: Area Business Head- MSE LAP Location: Chandrapur

Role purpose:

• Ensuring branch productivity, quality underwriting and credit benchmarks are met on a consistent basis
• Key accountabilities and decision ownership:  Ensuring complete aspects of portfolio management in the branch reflected in the balance Score card are met as per expected standards
• Ensure quality underwriting of Branch proposals as per the company’s underwriting policies
• Ensure proper implementation of company’s credit and operations policies by Branch Operations
• Meeting hygiene expectations on quality of files and dockets submitted by Branch- OTCs and PDD performance
• Ensuring the development and management of an effective sales team in the Branch
• Ensuring team productivity, quality of sourcing and cross sell income benchmarks are met on a consistent basis Core competencies.

Knowledge and Experience:

• Exp: 4 – 7 Yrs
• Graduate / Post Graduate with relevant experience.
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Understanding of Mortgage product(E2E)
• Understanding of credit risks & compliance
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

•  All Balanced Score Card parameters and Branch Disbursement budgets – numbers and values
• Team Productivity norms – number and value Milestones Origination quality norms on Loan Book and Direct reports.

Role title: Branch Business Head- MSE LAP Function: Sales

Band: B2A Grade: Manager Department: MSE LAP

Reports to: Area Business Head- MSE LAP Location: Kolhapur

Role purpose:

• Ensuring branch productivity, quality underwriting and credit benchmarks are met on a consistent basis
• Key accountabilities and decision ownership:  Ensuring complete aspects of portfolio management in the branch reflected in the balance Score card are met as per expected standards
• Ensure quality underwriting of Branch proposals as per the company’s underwriting policies
• Ensure proper implementation of company’s credit and operations policies by Branch Operations
• Meeting hygiene expectations on quality of files and dockets submitted by Branch- OTCs and PDD performance
• Ensuring the development and management of an effective sales team in the Branch
• Ensuring team productivity, quality of sourcing and cross sell income benchmarks are met on a consistent basis Core competencies.

Knowledge and Experience:

• Exp: 4 – 7 Yrs
• Graduate / Post Graduate with relevant experience.
• Analytical skills, Good interpersonal skills.
• Very good listening skills and verbal communication
• Understanding of Mortgage product(E2E)
• Understanding of credit risks & compliance
• Must have technical / professional qualifications: Graduate
  Optional

Key performance indicators :

•  All Balanced Score Card parameters and Branch Disbursement budgets – numbers and values
• Team Productivity norms – number and value Milestones Origination quality norms on Loan Book and Direct reports.

Role title: Sales Manager- MSE LAP Function: Sales

Band: B1c Grade: Deputy Manager Department: MSE LAP

Reports to: Area Business Head Location: Karjat

Role purpose:

• Business generation through Open Market & Team
• Key accountabilities and decision ownership:  Responsible to source MSE LAP business from direct sourcing &connector channel
• Responsible for empanelling connectors and engaging with them regularly for business.
• Responsible for BTL activities to generate Leads.
• Lead follow-up for conversion.
• Coordination with credit team/customers to achieve business targets.
• Responsible for full-filling the MSE LAP files right from sourcing till disbursements and also PDD collection
• Responsible for delinquency management
• Recruitment ( Need to have the right team members )
• Training to Team on product , sales ,credit parameters, checklist
• After sales service ( customer comingfor after sales work )
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity of Team
• Process compliance Cross selling third party products Core competencies

Knowledge and Experience :

• Exp: 4 – 7 Yrs
• Graduate / Post Graduate with relevant experience. 

Role title: Sales Manager- MSE LAP Function: Sales

Band: B1c Grade: Deputy Manager Department: MSE LAP

Reports to: Area Business Head Location : Palghar

Role purpose:

• Business generation through Open Market & Team
• Key accountabilities and decision ownership:  Responsible to source MSE LAP business from direct sourcing &connector channel
• Responsible for empanelling connectors and engaging with them regularly for business.
• Responsible for BTL activities to generate Leads.
• Lead follow-up for conversion.
• Coordination with credit team/customers to achieve business targets.
• Responsible for full-filling the MSE LAP files right from sourcing till disbursements and also PDD collection
• Responsible for delinquency management
• Recruitment ( Need to have the right team members )
• Training to Team on product , sales ,credit parameters, checklist
• After sales service ( customer comingfor after sales work )
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity of Team
• Process compliance Cross selling third party products Core competencies

Knowledge and Experience :

• Exp: 4 – 7 Yrs
• Graduate / Post Graduate with relevant experience.