• Manage timely and accurate delivery of all reports and MIS that feeds into decision support system.
• Participate in periodic Business Reviews to highlight improvement areas, gaps in performance and record ATR for subsequent tracking and monitoring.
• Identifying all variations in the Financial & Operational Parameters and highlighting the same to the seniors for further analysis
• Ensure timely update of business performance dashboards and publish trends/concerns across various dimensions on/off the data lake platform
• Partner with IT, Finance and other Support functions to understand the data/reporting needs and help develop SOPs for updation all data in Data Lake tool for further processing
• Drive initiatives to improve data quality, data integration and data governance – financial and non-financial both 
• Develop and manage large data sets for consolidation into logical data models
• Provide analytical inputs in standard templates on various business KPIs to drive performance optimization initiatives.
• Learn and enhance knowledge of data lake tool to automate manual tasks.
• Ensure all the information regularly required for Lender’s deck, Management presentation, corporate presentation is maintained and kept up to date on monthly basis.
• Manage ad-hoc analysis
• Should be able to work under pressure to extract/transfer/use data from legacy as well as new systems and convert it into business intelligence.

 To Manage Deposits, investments, Overdrafts etc in line with the internal policies, limits and
external regulations while ensuring adherence to best market practices and optimizing on returns
 Exercise full control and ownership over all accounts to ensure proper fund management
 To manage the FX and commodity hedging desk and compliance with regulatory guidelines

Continuously monitor competition and market to provide insights on market activities,
competition behavior and convert into Competitive Intelligence and recommend
corrective/preventive actions.
 Derive insights out of Industry /research reports, news feed, earnings calls etc to gather market
intelligence and keep senior management updated on the same.
 Regularly attend Industry conferences, seminars, webinars etc. to gather insights on Market and
industry conditions
 Define benchmarks for various financial and operation metrics and help institutionalize the
same across functions and hierarchy to help Fedfina become a mid-size NBFC.
 Participate in engagements with Business teams to enhance TAT, customer experience and
Product superiority.
 Contribute in designing and development of processes to capture customer feedback which will
accurately measure NPS at business as well as entity level.
 Actively participate in initiatives identifying opportunities for automation in business processes
to improve reach and efficiency of sales teams through process improvement, technology and
re-engineering etc.
 Ensure timely and accurate Investor/lender communications through Investor presentations,
lenders deck, press releases etc.
 Prepare management presentations

Key accountabilities and decision ownership:
 Must act as a second joint custodian in
absence of JLO (in line with operation manual)
 Must ensure safe keeping and proper
inventorisation of pledged securities and entry
in registers
 Must ensure proper infrastructure to enable
accurate gold appraisal is in place at all times
 Ensure proper verification, checking and
appraisal of all gold ornaments pledged as
securities for the loans
 Shall maintain punctuality in attendance and
carry out promptly the duties assigned from
time to time
 To take upon themselves additional
responsibilities / duties of other staff members if
and when office exigencies require so
 To carry out all reasonable and lawful
instructions of the Manager in all administrative
matters
 Maintain cordial and harmonious relations in
the branch and maintain the office atmosphere
congenial for work
 To extend prompt and courteous service to all
the Customers and avoid arguments with them
 To maintain high level of efficiency and create a
better image of the Company / Branch in the
minds of the customers
 To actively involve themselves in business
development and recovery of overdue loans
 Ensuring compliance with the standing

Information security officer are responsible for protecting Fedbank's computers, networks and data against threats, such as security breaches, computer viruses or attacks by cyber-criminals
Monitor all Security operations and infrastructure.
Maintain all security tools and technology.
Monitor internal and external policy compliance.
Work with different departments in the organization to reduce IT Security risk.
Audit IT policies and controls continuously.
Establish security reporting criteria.
Ensure cybersecurity stays on the organizational radar.
Develope and Manage all IT awareness and training programe which helps to increase employee awareness on information security, cyber security
Working and managing to below tools and technology listed below but not limited :
1. Mobile device management
2. Web application firewall
3. Web security gateway
4. Data loss prevention
5. Antivirus and EDR
6. SIEM
7. Application Security
8. VAPT management and reporting
9. Web application VAPT

Key accountabilities and decision ownership:

Indirect taxes

1.Working & filing of GSTR 1

2. Working & filing of GSTR 3B

3. Vendors Recon and follow up for non appearing in GSTR 2A with help of our consultants

4. GST Audit preparation & all other GST related work

5. Passing of setoff entries of GST

6. Preparation of Cross charge ratio and Product wise POS

Direct tax

1. TDS salary payment along with its checking
2. TDS non Salary payment along with its checking with help of Accounts team
3. Resolving TDS defaults of earlier period and filing of Revise TDS return with help of accounts team
4. Keeping track of Income tax & GST notices received and reply given with help of our consultants
5. Review and payment of Various state taxes and EPF
6. Keeping track of invoice received and their payments of all our GST consultants
7. Tax audit
8. Filing of Income tax return
9. Handling assessment queries

Advance tax

Key accountabilities and decision ownership:

Indirect taxes

1.Working & filing of GSTR 1

2. Working & filing of GSTR 3B

3. Vendors Recon and follow up for non appearing in GSTR 2A with help of our consultants

4. GST Audit preparation & all other GST related work

5. Passing of setoff entries of GST

6. Preparation of Cross charge ratio and Product wise POS

Direct tax

1. TDS salary payment along with its checking
2. TDS non Salary payment along with its checking with help of Accounts team
3. Resolving TDS defaults of earlier period and filing of Revise TDS return with help of accounts team
4. Keeping track of Income tax & GST notices received and reply given with help of our consultants
5. Review and payment of Various state taxes and EPF
6. Keeping track of invoice received and their payments of all our GST consultants
7. Tax audit
8. Filing of Income tax return
9. Handling assessment queries

Advance tax

Role purpose:

1. Review of Title Reports:

(a) Analyse whether the property offered as collateral can be mortgaged or not and highlight the risk involved;

(b) Review the title report issued by the external agency to ensure that the report is prepared in line with policies of the company;

(c) provide mitigation if any, to safeguard the interest of the Company;

(d) Review the title documents required for security creation and perfection in favour of the company;

(e) to draft/vet mortgage declaration, deeds (MOE/MODT), undertakings, indemnities for security creation & perfection;

(f) advise on stamp duty, execution & registration requirement across PAN India

2. Contract Management: Drafting/vetting of agreements in time bound manner by safeguarding company's interest from legal perspective. Drafting/vetting replies, SLA with vendors and/or various authorities and ensuring proper closure.

3. Litigation Management:

(a) Scrutinise all documents relating to litigation and filing of reply/written statements/evidences;

(b) Advising advocates on line of arguments, explaining the company operation for effective closure of litigation matters;

(c) effective follow up for proper representation.

Key accountabilities and decision ownership:

• Have clear understanding of FedBank Gold loan Programmes.
• Have clear understanding of documentation required in Gold loan.
• Understand process of Gold Loan disbursals.
• Ensure daily door to door & shop to shop marketing.
• Ensure that Gold Loan branch is popularized in catchment area of 5 square kilometers for enhancing walk-ins resulting in business.
• Maintain customer contact details for customer follow-up by branch team.
• Maintain & update MIS required by Branch team, Area Manager & Head Office on daily basis.

Key accountabilities and decision ownership:

• Achieve MoM Doorstep GL targets as per budgeted lines 
• Marketing responsibility
• Coordinate with Telecalling unit and closure of leads with defined
• TAT
• Coordinate with Branches and QC teams for proper service as
• well reconciliations of the Business portfolios sourced
• Appoint DSAs & connectors
• Manage LMS updations of the channel related to the terrain
• Doorstep Marketing initiatives
• Implement new ideas of visibility creation for the business
• Join branches in group marketing activities
• Ensure yield and fee targets are met as per designed budgets
• Ensure quality of the portfolio sourced
• Responsible to follow up the audit related queries and resolve the same in defined timelines
• Ensure proper process in sourcing and identification of clients
• Field verification as well as Onboarding of new clients directly
• sourced as well digital and telecalling lead sourced and assigned
• Maintain relationship with all High value clients sourced from the terrain
• Nurture and refresh connects with the sourcing channel partners of the terrain
• Any other responsibility assigned by management.

Key accountabilities and decision ownership:

• Business to be sourced from the DSA/DST
• Location Business volumes- Logins / sanctions disbursement
• Soft collection
• Appointment of channel partners/ DST
• Coordination with credit/Legal/technical agencies for smooth functioning
• Responsible for third party product penetration

Key accountabilities and decision ownership:

• Business to be sourced from the DSA/DST
• Location Business volumes- Logins / sanctions disbursement
• Team recruitment & retention
• Soft collection
• Team Management
• Appointment of channel partners/ DST
• Coordination with credit/Legal/technical agencies for smooth functioning
• Team Productivity
• Responsible for third party product penetration

Key accountabilities and decision ownership:

• Responsible for sales( disbursement ) for the location
• Location business volumes- Logins / sanctions disbursement
• Team recruitment & retention
• Cross sell to existing customers
• Soft collection
• Liaison with bank credit team for smoother TAT
• BTL activation
• Team Management / training
• Team Productivity
• Responsible for third party product penetration
• Responsible for developer and DMA relations

Key accountabilities and decision ownership:

• Sourcing - Would be responsible for sourcing business from DST and DSA for the Geography. (HL -Would be responsible fordeveloper relations and penetration)
• Quality of sourcing - Will be responsible for right profit mix and product mix 
• Insurance penetration- will be responsible for penetration of Insurance.
• Customer service(Will be responsible for customer satisfaction and periodic surveys of customers)
• Recruitment ( Need to have the right team members )
• Training the team on product, sales , credit parameter & checklist
• After sales service ( customer coming for after sales work )
• Cross sell ( Through Gold branches)
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity
• Coordination with Bank Credit teams

Key accountabilities and decision ownership:

• Sourcing - Would be responsible for sourcing business from DST and DSA for the Geography. (HL -Would be responsible fordeveloper relations and penetration)
• Quality of sourcing - Will be responsible for right profit mix and product mix 
• Insurance penetration- will be responsible for penetration of Insurance.
• Customer service(Will be responsible for customer satisfaction and periodic surveys of customers)
• Recruitment ( Need to have the right team members )
• Training the team on product, sales , credit parameter & checklist
• After sales service ( customer coming for after sales work )
• Cross sell ( Through Gold branches)
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity
• Coordination with Bank Credit teams

Key accountabilities and decision ownership:

• Responsible for sales( disbursement ) for the region
• Region business volumes- Logins / sanctions disbursement
• Team recruitment & retention
• Cross sell to existing customers
• Soft collection
• Liaison with bank credit team for smoother TAT
• BTL activation
• Team Management / training
• Team Productivity
• Responsible for third party product penetration
• Responsible for developer and DMA relations

Key accountabilities and decision ownership:

• Managing a team of Branch credit managers, Credit Executives managers.
• Conduct personal discussion with customers to establish Credit worthiness.
• Pre and post sanction credit risk compliance.
• Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.
• Control on portfolio performance.
• Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).
• Coordinate with sales to achieve targets and ensure TAT or SLAs are met
• Manage the team of Credit officers, Credit Admin and off roll staff
• Vendor Management, including quality monitoring
• Disbursal of Retail loans including all checks and verifications
• Support and train the team of Credit Manager/officers

Key accountabilities and decision ownership:

• Managing Risk activities for the secured and unsecured products in terms of complete portfolio monitoring, providing different cuts to take corrective action
• Providing complete support for Audit/ compliance related matters pertaining to Credit and Risk team
• Managing wholesale business in terms of timely payment, review, monitoring and reporting to management
• Maintaining trackers for monitoring monthly  delinquencies and taking steps to mitigate risk  associated in real time
• Monthly (or other frequency) reporting of entire portfolio with different metrics to senior management
• Supporting the Zonal and Regional team in terms of data for ensuring that portfolio is under control
• Supporting for Securitisation transactions in terms of data cuts, pool etc. Monitoring of already securitised book.
• Liasoning with stakeholders for ensuring the activities are completed on timely basis.  
• Liasoning with Bureau team

Key accountabilities and decision ownership:

• Managing a team of Branch credit managers, Credit Executives managers.
• Conduct personal discussion with customers to establish Credit worthiness.
• Pre and post sanction credit risk compliance.
• Responsible for controlling delinquencies through portfolio review especially monitoring non-starters portfolio.
• Control on portfolio performance.
• Underwrite specific retail loan proposals and prepare Credit Appraisal Memo (CAM).
• Coordinate with sales to achieve targets and ensure TAT or SLAs are met
• Manage the team of Credit officers, Credit Admin and off roll staff
• Vendor Management, including quality monitoring
• Disbursal of Retail loans including all checks and verifications
• Support and train the team of Credit Manager/officers

We are looking for a Deputy Manager to contribute to the development of the product market strategy, define new product requirements, and drive new product development to grow products in-line with Fedfina's business goals.

Responsibilities

• Gain a deep understanding of customer experience, identify and fill product gaps and generate new ideas that grow market share, improve customer experience and drive growth.
• Perform quality assurance controls on products
• Coordinate with the development department to deliver functional solutions
• Prioritize the implementation of new features and set specific timelines
• Suggest product enhancements to improve user experience
• Analyze competition
• Conducting experiments to improve and increase efficiencies throughout the customer journey

Key accountabilities and decision ownership:

• Managing Risk activities for the secured and unsecured products in terms of complete portfolio monitoring, providing different cuts to take corrective action
• Providing complete support for Audit/compliance-related matters pertaining to Credit and Risk team
• Managing wholesale business in terms of timely payment, review, monitoring and reporting to management
• Maintaining trackers for monitoring monthly delinquencies and taking steps to mitigate risk associated in real time
• Monthly (or other frequency) reporting of entire portfolio with different metrics to senior management
• Supporting the Zonal and Regional team in terms of data for ensuring that portfolio is under control
• Supporting for Securitisation transactions in terms of data cuts, pool etc. Monitoring of already securitised book.
• Liasoning with stakeholders for ensuring the activities are completed on timely basis.
• Liasoning with Bureau team

Key accountabilities and decision ownership (Taxation)

•    Preparing and filing GST Returns.(GSTR-1,GSTR-3B,GSTR-6)
•    Preparing details for GSTR-9 & 9C 
•    Preparation and filling of TDS Returns and Advance tax.
•    Preparation and filling of SFT Return.
•    Preparation details for Tax Audit under section 44AB of the Income tax act, 1961.
 

Job Description for Financial Planning & Analysis (FP&A).
Required: CA/MBA with 2 years of experience in FP&A role preferable BFSI sector, must be proficient in using MS Office. 
Job Role:
    Analyze the trends of Key Performance Indicators (KPIs), especially relating to financial metrics such as Disbursements, AUM, Profitability, Delinquency.
    Preparation & Analysis of Branch profitability and submission of report to management on performance of the branch / zone / region / state.
    Monitor KPIs and identify the cause of any unexpected variances with Budget
    Assisting in budgeting, financial projections, and operating forecast and any development or improvement on going basis.
    Ad-hoc business performance reporting
    Present the monthly and quarterly financial reports of various units and departments
    Analyse peers performance and maintain Peers Performance Report
    Cost centre tracking on monthly level along with the productivity parameters
    Identifying areas of cost reduction and help achieving the cost efficiency
    Support management team and the Heads of Department with data-driven analysis
 

Key Skill - Implementation Ind AS 
- Tax Compliance & Planning (Direct & Indirect tax) 
- Financial analysis, Financials Preparation & MIS reporting
Key Responsibilities 
● Managing day to day accounting. 
● Monthly MIS & Quarterly financial reporting. 
● Handling statutory, Tax & Internal audits. 
● Implementation of Ind AS & Financial preparation in Ind AS. 
● Timely reporting to various returns of RBI/NHB 
● Quarterly/ Monthly board presentation. 
● Annual budget preparation and eective cost monitoring, 
   cash-flow management and projection. 
● Tax compliance 
● Statutory and Tax

Key accountabilities and decision ownership:

Responsible for sales( disbursement ) for the location

Location business volumes- Logins / sanctions disbursement 

Team recruitment & retention

• Cross sell to existing customers
• Soft collection
•  Liaison with bank credit team for smoother TAT
•  BTL activation
•  Team Management / training
•  Team Productivity 
• Responsible for third party product penetration 

Key accountabilities and decision ownership:

• Sourcing - Would be responsible for sourcing business from DST and DSA for the Geography. (HL -Would be responsible for developer relations and penetration)
• Quality of sourcing - Will be responsible for right profit mix and product mix
•  Insurance penetration- will be responsible for penetration of Insurance.
•  customer service(Will be responsible for customer satisfaction and periodic surveys of customers) 
• Recruitment ( Need to have the right team members )
• Training the team on product , sales , credit parameter & checklist
• After sales service ( customer coming for after sales work )
•  Cross sell ( Through Gold branches)
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity
• Coordination with Bank Credit team

Key accountabilities and decision ownership:

• Sourcing - Would be responsible for sourcing business from DST and DSA for the Geography. (HL -Would be responsible for developer relations and penetration)
•  Quality of sourcing - Will be responsible for right profit mix and product mix
• Insurance penetration- will be responsible for penetration of Insurance.
•  customer service(Will be responsible for customer satisfaction and periodic surveys of customers)
•  Recruitment ( Need to have the right team members )
•  Training the team on product , sales , credit parameter & checklist
•  After sales service ( customer coming for after sales work )
• Cross sell ( Through Gold branches)
• Will be responsible for marketing and sales promotion activities
• Will be responsible for the productivity
•  Coordination with Bank Credit teams