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Job Description

Technical

1.    Appraisal - Assessing Market Value of properties offered as security for Loan - Land & Building.
2.    Site Visits -Visiting Properties to assess valuation and progress of work.
3.    Documentation -Verification of documents like Building approvals, Plans, Estimates etc, to ensure compliance with applicable building rules and other applicable regulations.
4.    Recording of Site observations and recommending loan amount based on assessment made based on documents and site observations.
5.    Relationship Management -With customer with the channel partners.
6.    Qualifications - Fresh/experienced B Tech /BE (Civil Engg)    having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
7.   Location -  Kottayam/Muvattupuzha

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Desired Candidate Profile

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Required Experience: 2+ years experience will be an added advantage | Education: B Tech /BE (Civil Engg) 

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Job Description

Operations (Credit processing)

1.    Appraisal - To create a quality portfolio my managing risk through effective credit appraisal, maintaining TAT, maintaining a healthy relationship with channel partners and being a process thinker and innovator.
2.    Collecting & Checking the Documents (Eg. credit, loan agreements, application form, guarantee forms) (Legal consequences).
3.    Interacting with customers on phone. It also includes managing objections of the customers. Meeting customers and doing personal discussion. Suggesting optimal solutions to customers needs.
4.    Negotiating Skills - Probing to understand customer's need, managing objections, and Structuring solutions, closing.
Qualifications - Fresh/experienced B Com Graduates,  M Com, CA or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.

Location - Kochi

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Desired Candidate Profile

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Required Experience: 2+ years experience will be an added advantage | Education: Graduates,  M Com, CA or MBA

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Job Description

Business Development

1.    Managing business relations with developers, development authorities, Corporates.
2.    Promoting the products through tie-ups & events with the above entities.
3.    Analyse markets, recommend business strategies.
4.    Support sales force through business source mapping.
5.    Motivate the sales force through training & contests.
6.    Coordinate call centre & web based activities.
7.    Qualifications - Fresh/experienced Graduates/Post Graduates or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
8.    Location -  Calicut/Kannur.

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Desired Candidate Profile

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Required Experience: 2+ years experience will be an added advantage | Education: Graduates/Post Graduates or MBA

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Operations (Front Office) - Trichur/Calicut

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Job Description

Operations (Front office)
1.    Appraisal - Assess Credit worthiness and the ability of the customer to repay back the loan in future.
2.    Interaction & Loan Counselling -Meeting & interacting with customers.
3.    Documentation -Collecting & Checking the Documents.
4.    Loan Processing/ Disbursement Process.
5.    Cross-Selling -Cross-Selling of Group company products.
6.    Relationship Management -With customer with the channel partners.
Qualifications - Fresh/experienced Graduates/Post Graduates or MBA  having good and consistent academic record (Min 60% marks) and good communication skills in English and Malayalam.
Location -  Trichur/Calicut

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Desired Candidate Profile

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Required Experience: 2+ years experience will be an added advantage | Education: Graduates/Post Graduates or MBA

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Job Description

Job Responsibilities

?    Technical Evaluation/estimation of properties.
?    Verifications of various technical/revenue documents to arrive at property valuation.
?    Meeting customers and doing personal discussion
?    Willing to Travel Extensively
?    Good communication skills, presentations skills in English and Malayalam.
?    Support sales force through business source mapping & source wise performance measurement.
?    Work as a team and contribute as a team, not only focus on individual brilliance.
?    Aggressiveness/Adaptability/Flexibility/Competitive Spirit vis-à-vis ethics

Location:                 Marthandam, Tamilnadu
Qualification:        B.Tech/M. Tech- Civil
Remarks:                 2+ years experience will be an added advantage.

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Desired Candidate Profile

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Required Experience: 2+ years experience will be an added advantage Education: B.Tech/M. Tech- Civil

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Manager Audit & Regulatory Compliance - Credit Risk

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Job Description

Profile for Manager Audit & Regulatory Compliance ? Credit Risk

Qualifications: Chartered Accountant

Work Experience: 10 to 15 years of experience working in the Credit Risk function of any Financial Institution/Bank handling ECL related matters under IFRS 9, regulatory reporting to NHB/RBI and handling statutory auditors / regulators.

Job Description:

Assisting in developing models and tools to estimate collectability, loan loss and loss given Defaults under Indian Accounting Standards (IndAS)

Handling assignments in computation of NPA/ provisioning and in regulatory reporting.

Interpretation of RBI/NHB circulars & working on regulatory reports.

Co-ordinating with IT team for system automation by developing modules for computation of Expected credit loss, loss given default and Probability of default as per Indian Accounting Standard 109

Co-ordinating within internal departments and Internal auditors for various Internal controls and testing audit.

Location: Mumbai

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Desired Candidate Profile

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Required Experience: 10 to 15 years | Education: Chartered Accountant  

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Job Description

- Assess credit worthiness of the self employed / salaried customers.
- Customer interaction vis a vis loan appraisal and loan servicing requirements.
- Meeting customers and doing personal discussion. Suggesting optimal solutions to customers needs.
- Business visit and Verification.
- Collection and verification of documents.
- Recommending the proposal for approval.
- Planning and execution of ways to source new and incremental business.

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Desired Candidate Profile

The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a    strong determination to achieve results.

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Required Experience: 1-5 | Education: CA

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Job Description

Assess credit worthiness of the employed customers
Customer interaction on phone vis a vis loan appraisal and loan servicing requirements
Perusal & Analysis of Credit Documents
Recommending the loan for approval
Coordination with channel partners
Inter-departmental coordination.

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Desired Candidate Profile

The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a strong determination to achieve results.

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Required Experience: 7-8 | Education: CA

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Job Description

Job Description - - Appraisal of Project Files (with updated knowledge on Property Laws), Appraisal of title documents relating to Individual loans. - Providing legal advice on retail lending issues with respect to Property, Security Creation, and Title Verification. - Handling compliance issues. Drafting and structuring of various lending arrangements with builders. - Drafting of Retail Loan Agreements and replies for Legal Notices. The job profile also includes- - Cerifications of legal documents related to property under mortgage, vetting of reports issued by the third party advocates, perusing and opining on title of the property owner;/Reviewing and verifying of legal documents and advising clients of their rights on acquiring residential and commercial properties under the property law and other related law of the land - Ensuring compliances of the organization under local and central laws, Drafting of agreements like leave and license agreements/contract staffing agreements/service agreements, undertakings, declarations, affidavits, trust and security indemnity bonds, mortgage deeds, re conveyance deeds, letter of guarantee etc; Drafting replies to legal notices and complains received from clients, statutory bodies etc on behalf of the organization;

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Desired Candidate Profile

Desired candidate profile- - Working Knowledge of topics related to various provisions of Transfer of Property Act, Indian Companies Act, SARFAESI Act, Indian Registration Act, Indian Stamps Act, RERA Act and other applicable local laws; The candidate must have relevant knowledge on Property Laws, Business Laws, Corporate laws and ability in drafting various legal documents. The candidate must possess excellent command over English (spoken and written) and should be able to read in the local language (Tamil).The candidate should have the ability to explain and guide a layman on legal documents required for property transactions with considerable patience and empathy and ensure that his/her legal knowledge promotes the growth of business. We require candidates who are self-motivated, having strong interpersonal / team working skills and a deep sense of commitment to customer service.

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 Required Experience: 2-4 | Education: LL.B

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Job Description

Visiting/contacting borrowers for recovery of overdue accounts, managing accounts in delinquency. Appraising defaulting cases and making suitable recommendations.

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Desired Candidate Profile

He should be willing to travel and undertake extensive outdoor activity.

The candidate should have excellent communications, inter-personal and liaison skills, should be persuasive and should possess very good negotiation skills.

He should possess analytical skills, and basic accounting knowledge.

Proficiency in regional language and English will be essential.

Knowledge of MSOFFICE is essential.

Knowledge on commercial law and SRFAESI Act would be an advantage

Should be a team player.

Preferred location of Residence of candidates ?

Beyond Thane ( eg. Ambernath, Dombivali, Kalyan, Badlapur ) &

Borivali and beyond ( eg. Nallasopara, Virar, Vasai, Boiser, Palghar )

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Required Experience: Maximum 3 to 7 years of experience with a Bank or NBFC. Should have been on the rolls of the bank/ institution (even a fresher with right kind of skills and inclination towards field work can be considered) | Education: Post graduate in Management

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Job Description

Recovery of outstanding dues- Following up and dealing with the borrowers who are defaulting in payment, on a regular basis to ensure outstanding dues are recovered. To also appraise default cases and make suitable recommendations accordingly.
Portfolio/Delinquency Management- To use IT driven recovery tools, legal based resolution techniques and portfolio credit risk assessment tools inorder to manage the loan portfolio and control delinquencies.
NPA Management- To take all necessary steps including timely and appropriate legal action for resolution and recovery of NPA accounts.
MIS Review- All the recovery related information to be reviewed and analyzed which will help manage the portfolio.

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Desired Candidate Profile

Strong command over verbal/written communication and should be a good listener (Proficiency over regional language is a mandate). To exhibit high level of integrity and business ethics. Should have strong negotiation skills, liaison skills and be persuasive in nature in order to choose the alternative that is most desirable in resolving delinquencies. Should be aware of the relevant laws and acts (including amendments) including SARFAESI. Should be willing to travel extensively within the region.

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Required Experience: 1-4 Years | Education: Post Graduate in Management or Law

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Relationship Manager - Retail Lending - Bangalore

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Job Description

It involves meeting & interacting with retail customers, assess their credit worthiness, identifying their specific needs and suggesting optimal solutions. It also involves loan processing, creating and retaining quality portfolio through counselling, risk management, process improvement, commitment to external and internal customers through effective communication thereby adding value to customers and HDFC. Enhancing business from existing corporates, establishing new arrangements with corporates / developers for generating business for HDFC Ltd.

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Desired Candidate Profile

The candidate should have the ability to explain and market the various products offered with considerable patience and empathy and ensure that his knowledge/skill promotes the growth of business. The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a strong determination to achieve results

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Required Experience: 0-5 | Education: PG - MBA / PGDM - Finance, Marketing

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Job Description

- Assess credit worthiness of the self employed customers.

-Customer interaction vis a vis loan appraisal and loan servicing requirements
- Meeting customers and doing personal discussion. Suggesting optimal

solutions to customers needs
- Business visit and Verification.
- Collection and verification of documents
- Recommending the proposal for approval
- Planning and execution of ways to source new and incremental business

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Desired Candidate Profile

The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a strong determination to achieve results.

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 Required Experience: 0-2 | Education: CA (Chartered Accountant)

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Relationship Manager - Retail Lending -  Mumbai

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Job Description

It involves meeting & interacting with retail customers, assess their credit worthiness, identifying their specific needs and suggesting optimal solutions. It also involves loan processing, creating and retaining quality portfolio through counselling, risk management, process improvement, commitment to external and internal customers through effective communication thereby adding value to customers and HDFC. Enhancing business from existing corporates, establishing new arrangements with corporates / developers for generating business for HDFC Ltd.

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Desired Candidate Profile

The candidate should have the ability to explain and market the various products offered with considerable patience and empathy and ensure that his knowledge/skill promotes the growth of business. The above position requires high energy levels, integrity, customer orientation, excellent communication skills (oral and written), convincing skills, process orientation, time management, team working skills and a strong determination to achieve results.

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Required Experience: 0-5 | Education: PG - MBA/PGDM - Finance, Marketing