Qureos Mentor

Tata Capital Ltd

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

Customer Sales Executive - Two Wheeler Loans - Tiruchirappalli - Ram Arcade - CSE

Customer Sales Executive - Two Wheeler Loans - Namakkal - Mithun Arcade - CSE

Customer Sales Executive - Car Finance - Morbi - Ashapura Arcade - CSE

<div><p>10222
</p><ul><li>To ensure the achievement of disbursement targets with minimum delinquency
</li><li>Identifying Joint liability Groups &amp; disbursed loans, to suit the target customers and geographies.
</li><li>Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach.
</li><li>Assess potential client base and product acceptability in new regions, areas &amp; opportunities for geographical expansion of operational areas.
</li><li>Disbursement, repayment and delinquency management, achieving daily / weekly collections targets
</li><li>Makes a close follow up of the disbursed loans, especially of the ones not paying on time.
</li><li>Undertake regular field visits, Centre Meeting and loan applicants
</li><li>Maintaining portfolio quality by tracking &amp; controlling Normal dues, Nonstarters, Delinquency, &amp; Frauds.
</li><li>Build strong client relationships both internally and externally and build a strong brand identification with potential customers.
</li><li>Ensuring weekly / daily meetings &amp; visit to centre
</li><li>Fresher to maximum of 5yrs exp + as a sales officer in microfinance business
</li><li>Basic understanding about Microfinance business and JLG model working would be preferred.
</li></ul><p><b>Key Skills
</b></p><ul><li>Relationship management, Business sourcing
</li><li>Flair for sales
</li><li>Understand critical attributes of customer service
</li></ul><p><b>Qualification- </b>Graduate in any discipline</p></div>

Branch Manager - Retail MFB - Sales - Vilathikulam - Sannathi Street - J Grades

<div><p>Drive Microfinance business by Identifying business potential locations, achieving business targets and maintaining portfolio quality.
</p><div>&quot;&bull; Leading a sales team of loans Officer &amp; Branch Managers to achieve their business targets,
<br>
<ul><li>Assess potential client base and product acceptability in new regions, areas &amp; opportunities for geographical expansion of operational areas.
</li><li>Driving strong business growth by recruiting, driving, managing and motivating their team across assigned territories for deeper market penetration and reach
</li><li>Conducting field visits to ensure onboarding of quality customers by field team and visiting centre meetings to assess their conduct. Motivating low performing branches and staff to improve their efficiencies
</li><li>Ensuring repayment, collection efficiencies and delinquency management in their respective areas.
</li><li>Forming innovative collection strategies in their respective areas to prevent risky areas and ensure portfolio quality.
</li><li>Visiting overdue, non-starter and delinquent customers with the team to assist and guide them on hard bucket collections.
</li><li>Identifying productive branch locations and Responsible for handling all Compliance, Audit, Legal, Customer Service, Operations, Logistics, Admin, HR etc. related issues in their area
</li><li>Keeping a close eye on external environment (Defaulting pockets, Competition, Socio political issues) and understand/act with early warning signals.
</li><li>Ensure Compliance to PHC reports &amp; audit reports in timely manner
</li><li>Responsible for all recruitment, training, learning and upskilling of manpower in the ranches pertaining to his are and motivating them to achieve maximum productivity.
</li><li>Training Branch Managers and Loan officers to improve their productivity, customer assessment, technical knowledge, improving FTR and reducing TAT
</li><li>Guiding staff to promptly always resolve any customer complaints and maintain desired customer satisfaction. This is to ensure brand recall amongst customers and non-customers while maintaining strong brand value
</li><li>Serving as a strong middle link between Head Office and Field Staff to disseminate important information
</li><li>Providing inputs for enhance existing and suggesting new products to Head Office Teams which suit their target customers and geographies
</li><li>Supervising a cluster of 4-6 branches within his area and assisting, monitoring and supervising them on all aspects to ensure smooth conduct of business operations.
</li><li>Ensure all laid down system and processes are followed at the branch as stipulated by the Senior Management.
</li><li>Ensure that all staff are adequately trained on the Products of the company and Processes&quot;
</li></ul></div><p>Qualification : Post Graduate/ Graduate in any discipline</p></div>

Area Sales Manager - Retail MFB - Sales - Babaleshwar - Gajanana Complex - JM

<div><p>10028
 </p><p><b>Core Responsibilities:
</b></p><ul><li>Manage the credit underwriting function of branch and facilitate quick turnaround of credit lending proposals for the branch in close liaison with the local credit Managers and sales team.
</li><li>Conduct personal discussion with customers to establish credit worthiness and ensure completion of credit/KYC documents and verification- telephonic, field &amp; collateral visits.
</li><li>Individually Underwrite proposals as per the laid down policies &amp; procedure to honour the agreed SLAs and manage city/area business volumes.
</li><li>Review and assess loan applications within defined guidelines send by team and accordingly take decision or recommend for approval to higher authorities.
</li><li>Study , Analysis &amp; interpretation of legal &amp; technical reports.
</li><li>Maintain Portfolio MIS, Delinquency MIS and other operations related MIS of the cluster and regularly reporting the same.
</li><li>Manage Credit Managers &amp; CPA team (Recruitment of CPA &amp; managing all day to day activities of CM &amp; CPA)
</li><li>Effectively Manage &amp; upskill Credit Managers /CPA along with allocation of workload.
</li><li>Follow up and ensure recovery of quick mortality cases between 12 -18 MOV.
</li><li>Audit Compliance on all aspects stipulated by corporate office and regulatory compliance.
</li><li>Vendor Management &ndash; Vendor Empanelment as per business requirement &amp; vendor Review on periodic basis.
</li></ul><p>Various MIS as per the requirement of Corporate office.
</p><p><b>Desired Experience: </b>Minimum 6 to 8 years in the field.<br>
</p><p></p><div><div><div><div><b>Graduate </b>: Yes
</div></div><br>
<div><div><b>Masters/Postgraduate: </b>Yes
</div></div><br>
<div><div><b>Certifications: </b>CA</div></div></div></div></div>

Area Manager - Retail Credit - Housing - Credit -Bengaluru - Kengeri - MM.

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