Job Summary: We are seeking an experienced and detail-oriented Operational Risk Manager to join our team in a leading Housing Finance Company. The successful candidate will be responsible for identifying, assessing, monitoring, and mitigating operational risks across all business functions. This role is critical to ensuring that the company operates within a robust risk management framework while maintaining compliance with regulatory guidelines and internal policies. Key Responsibilities: Implement, and maintain the operational risk management framework, policies, and procedures. Conduct regular risk assessments across all business units to identify potential threats and vulnerabilities. Facilitate Risk Control Self-Assessments (RCSAs) and oversee the implementation of risk mitigation strategies. Monitor key risk indicators (KRIs) and operational loss events, and provide timely reporting to senior management. Collaborate with business units to promote a risk-aware culture and ensure integration of risk management practices in day-to-day operations. Investigate operational incidents, root cause analysis, and recommend corrective actions. Coordinate with compliance, audit, legal, and IT teams to ensure a cohesive risk management strategy. Assist in regulatory reporting related to operational risk, including communications with the National Housing Bank (NHB) and other regulatory authorities. Conduct training and awareness programs on operational risk for employees. Support business continuity planning and disaster recovery initiatives. Qualifications: Bachelors degree in Finance, Risk Management, Business Administration, or a related field. MBA or professional certifications (e.g., FRM, ORM, CIA) preferred. 6+ years of experience in operational risk management, preferably in a financial services or housing finance company. Strong understanding of regulatory requirements and risk frameworks (e.g., Basel II/III, ISO 31000). Proficiency in risk assessment tools, MS Excel, and risk management software. Excellent analytical, problem-solving, and communication skills. Ability to work independently and as part of a team. Preferred Attributes: Prior experience in housing finance, mortgage lending, or NBFCs. Familiarity with NHB regulations and RBI guidelines. Exposure to enterprise risk management (ERM) frameworks.

The ideal candidate will be responsible for gaining a deep understanding of the clients' business objectives and challenges and creating strategic recommendations based off of this understanding. You will do so by building a strong relationship with our clients and analyzing our clients' data. Essentially, you will act as the main point of contact for our clients. Responsibilities Dialogue with our clients to understand their business objectives and challenges Analyze clients' data and provide strategic recommendations to clients Present value-proposition to sales leads and current customers Prospect for new sales leads and close sales Qualifications 4-6 years' of client relationship experience Ability to manage multiple projects and clients Strong communication and interpersonal skills Show more Show less

Role Overview: As a Product Manager, you will be responsible for the lifecycle of lending products home loans and LAP. You will work closely with cross-functional teams—Technology, Credit, Collections, Legal, Compliance, Sales, and Marketing—to design, develop, and enhance products that align with our business goals and regulatory environment. Key Responsibilities: Product Strategy & Vision Define product vision, roadmap, and growth opportunities in alignment with company strategy. Conduct market and customer research to identify needs and trends. Product Development & Lifecycle Management Lead end-to-end product development including ideation, business case preparation, feature prioritization, and go-to-market planning. Work with Tech, Data, and Operations teams to translate product requirements into tech specifications. Design and optimize product features including eligibility criteria, pricing, underwriting, onboarding, disbursal, and collections flows. Digital & Tech Collaboration Collaborate with engineering teams on digital journeys, integrations (e.g., APIs, LOS, LMS, KYC, bureaus). Drive UI/UX improvements to ensure seamless customer experience. Regulatory & Risk Alignment Ensure products adhere to RBI regulations and internal compliance frameworks. Work closely with risk and credit teams to balance growth with portfolio quality. Analytics & Feedback Monitor product performance (leads, disbursals, NPA, conversions, funnel metrics). Use insights to drive continuous product improvement. Key Requirements: Bachelor's degree in Engineering, Business, or related fields. MBA preferred. 4–5 years of relevant experience in NBFC, HFC, bank, fintech, or financial services domain. Strong understanding of lending products and digital financial services ecosystem. Proven experience in managing product roadmaps, writing BRDs/PRDs, and working with cross-functional teams. Excellent communication, stakeholder management, and analytical skills. Knowledge of RBI regulatory framework related to lending is a plus. Preferred Tools & Skills: Familiarity with LOS, LMS, and CRM systems Working knowledge of API, SQL, and data analytics tools is a plus

**Hiring Alert: Relationship Managers (DSA/DST) - Ahmedabad Branch** **Company:** Hero Housing Finance Limited **Location:** Ahmedabad **Vertical:** DSA/DST **Compensation:** Competitive, as per industry norms **Experience:** Must have a strong channel network in DSA for Home Loan/LAP, knowledge of local market essential **Requirements:** Local candidates preferred Hero Housing Finance Limited is seeking dynamic and motivated sales professionals to join our team as Relationship Managers at our Ahmedabad Branch. Ideal candidates will have a robust network in the DSA/DST verticals related to Home Loan/LAP, coupled with in-depth knowledge of the Ahmedabad market. **To Apply:** Interested candidates, please email your resume to Shahnawaz.pathan@herohfl.com

The role of State Technical Head involves leading and managing the technical aspects of the Credit Department's operations to ensure efficiency and effectiveness. This includes overseeing the development and maintenance of credit-related software, systems, and technological infrastructure. Collaboration with cross-functional teams is essential to understand business requirements and translate them into technical solutions. Implementing and enhancing credit scoring models, algorithms, and decision-making tools are key responsibilities. Integration of new technologies to streamline credit processes and enhance data analytics capabilities is crucial for success. As a State Technical Head, you will manage and lead a team of technical professionals, providing guidance and support for their professional development. Collaboration with IT and security teams is necessary to ensure the security and compliance of credit-related systems. Evaluating and recommending emerging technologies to enhance the Credit Department's capabilities will be part of your role. Troubleshooting and resolving technical issues related to credit systems and applications, as well as providing technical expertise and support for credit-related projects and initiatives, are important responsibilities. To qualify for this role, candidates should have a Bachelor's or Master's degree in engineering or a related field, along with at least 5+ years of proven experience in a technical leadership role within the credit or financial services industry. In-depth knowledge of credit scoring models, risk analytics, and credit decisioning processes is required. Proficiency in programming languages and database management, as well as a strong understanding of data management, data integration, and data governance, are essential. Leadership and team management skills, along with excellent communication skills to convey technical concepts to non-technical stakeholders, are also important. Candidates should be familiar with cloud computing platforms and technologies, detail-oriented with a focus on system security and compliance, and have the ability to adapt to evolving technologies and industry best practices. Interested candidates meeting the specified criteria can share their CV at aamer.khan@herohfl.com. Please note that only individuals residing in the Mumbai region and possessing good knowledge about Mumbai region properties should apply for this position.,

You will be responsible for leading and managing the technical aspects of the Credit Department's operations in the role of State Technical Head. Your main focus will be to ensure efficiency and effectiveness within the department. This includes overseeing the development and maintenance of credit-related software, systems, and technological infrastructure. Collaboration with cross-functional teams is essential to understand business requirements and translate them into technical solutions. You will play a key role in implementing and enhancing credit scoring models, algorithms, and decision-making tools. Introducing new technologies to streamline credit processes and enhance data analytics capabilities is also part of your responsibilities. Leading and managing a team of technical professionals will require you to provide guidance and support for their professional development. Collaborating with IT and security teams is crucial to ensure the security and compliance of credit-related systems. Your role will also involve evaluating and recommending emerging technologies to enhance the Credit Department's capabilities. Troubleshooting and resolving technical issues related to credit systems and applications will be part of your day-to-day tasks. Additionally, you will provide technical expertise and support for credit-related projects and initiatives. To be successful in this role, you should have a Bachelor's or Master's degree in engineering or a related field. A minimum of 5+ years of proven experience in a technical leadership role within the credit or financial services industry is required. In-depth knowledge of credit scoring models, risk analytics, and credit decisioning processes is essential. Proficiency in programming languages and database management is a must. Strong understanding of data management, data integration, and data governance is also necessary. Leadership and team management skills are crucial, with the ability to inspire and guide technical professionals. Excellent communication skills are needed to convey technical concepts to non-technical stakeholders. Familiarity with cloud computing platforms and technologies is an advantage. Being detail-oriented with a focus on system security and compliance is important. Adaptability to evolving technologies and industry best practices is also key for this role. If you are interested in this position and meet the requirements, please share your CV at aamer.khan@herohfl.com. This position is based in Mumbai, and only candidates from the Mumbai region with good knowledge about Mumbai region properties should apply.,

**Hiring Alert: Relationship Managers (DSA/DST) - Ahmedabad Branch** **Company:** Hero Housing Finance Limited **Location:** Ahmedabad **Vertical:** DSA/DST **Compensation:** Competitive, as per industry norms **Experience:** Must have a strong channel network in DSA for Home Loan/LAP, knowledge of local market essential **Requirements:** Local candidates preferred Hero Housing Finance Limited is seeking dynamic and motivated sales professionals to join our team as Relationship Managers at our Ahmedabad Branch. Ideal candidates will have a robust network in the DSA/DST verticals related to Home Loan/LAP, coupled with in-depth knowledge of the Ahmedabad market. **To Apply:** Interested candidates, please email your resume to Shahnawaz.pathan@herohfl.com Mobile:- 9909920038

We are seeking a diligent Branch Credit Manager to oversee credit appraisals and ensure adherence to lending guidelines. You will be responsible for the credit underwriting of loans as per company policy, engaging directly with customers to understand their requirements, and conducting personal discussions to assess income. This role also involves maintaining market knowledge, managing turnaround times, ensuring file quality, and demonstrating a strong understanding of property-related knowledge. Roles and Responsibilities: Conduct thorough credit appraisal of loans as per the company's credit policy. Demonstrate strong experience in Credit Underwriting . Engage in direct discussions with customers to understand their loan requirements comprehensively. Perform Personal Discussions (PD) with customers at their residence and business premises for accurate income assessment. Maintain current knowledge of market conditions and company lending guidelines . Manage turnaround time (TAT) and ensure high file quality for the respective locations. Possess a strong understanding of Property related knowledge , including legal title and market value of the property. Oversee Vendor Management pertinent to credit appraisal processes. Skills Requirement: Must have experience in Credit Underwriting within NBFC/BFSI sectors, specifically for products like Home Loan (HL), Loan Against Property (LAP), or Mortgage. Strong analytical skills for credit appraisal and risk assessment. Excellent communication and interpersonal skills for customer discussions and vendor management. Meticulous attention to detail for file quality and adherence to policies. Ability to manage TAT and work efficiently. Strong understanding of property legalities and valuation. QUALIFICATION: Any Graduate or Post graduate.

We are seeking a diligent Branch Credit Manager to oversee credit appraisals and ensure adherence to lending guidelines. You will be responsible for the credit underwriting of loans as per company policy, engaging directly with customers to understand their requirements, and conducting personal discussions to assess income. This role also involves maintaining market knowledge, managing turnaround times, ensuring file quality, and demonstrating a strong understanding of property-related knowledge. Roles and Responsibilities: Conduct thorough credit appraisal of loans as per the company's credit policy. Demonstrate strong experience in Credit Underwriting . Engage in direct discussions with customers to understand their loan requirements comprehensively. Perform Personal Discussions (PD) with customers at their residence and business premises for accurate income assessment. Maintain current knowledge of market conditions and company lending guidelines . Manage turnaround time (TAT) and ensure high file quality for the respective locations. Possess a strong understanding of Property related knowledge , including legal title and market value of the property. Oversee Vendor Management pertinent to credit appraisal processes. Skills Requirement: Must have experience in Credit Underwriting within NBFC/BFSI sectors, specifically for products like Home Loan (HL), Loan Against Property (LAP), or Mortgage. Strong analytical skills for credit appraisal and risk assessment. Excellent communication and interpersonal skills for customer discussions and vendor management. Meticulous attention to detail for file quality and adherence to policies. Ability to manage TAT and work efficiently. Strong understanding of property legalities and valuation. QUALIFICATION: Any Graduate or Post graduate.

We are seeking a diligent Branch Technical Manager . In this role, you will be responsible for the inspection of property valuations, including checking built-up area and plot area, and preparing comprehensive valuation reports. You will work closely with the legal counterpart on technical evaluations, manage vendors, maintain TAT targets, and resolve client queries regarding valuation reports. Roles and Responsibilities: Conduct thorough inspection of Property Valuation , meticulously checking Built-up area and Plot area . Prepare comprehensive and accurate Valuation Reports . Work closely with the legal counterpart on the technical evaluation front , ensuring alignment and accuracy. Manage vendors involved in the technical evaluation process, ensuring quality and timeliness. Maintain TAT (Turnaround Time) targets for the technical evaluation process, optimizing efficiency. Resolve queries from clients regarding valuation reports in a professional and clear manner. Skills Requirement: Relevant knowledge of Property Valuation . Strong technical functional expertise in property assessment. Ability to collaborate effectively with legal teams and manage external vendors. Strong analytical and problem-solving skills to resolve client queries. Excellent attention to detail for report preparation and inspection. QUALIFICATION: B.Tech/BE (Civil) Degree is mandatory .

We are seeking a proactive Relationship Manager to drive sales and cultivate strong customer relationships. In this role, you will be the front-end interface, engaging directly with customers, building positive relationships, and assisting in generating new business. You will be responsible for resolving customer complaints, educating clients on products and services, and maintaining visibility in the market. Roles and Responsibilities: Responsible for front-end integration, field travel, and direct customer interface . Build and maintain positive relationships with customers . Assist actively in generating new business opportunities. Resolve customer complaints quickly and effectively, ensuring high customer satisfaction. Educate and inform clients comprehensively about the company's products and services. Enhance visibility in the area through promotions, presentations, and meetings. Skills Requirement: Must have experience in sales within NBFC/BFSI, particularly in Product HL (Home Loan) or LAP (Loan Against Property), and Mortgage . Problem-solving attitude. Positive attitude and self-driven. Excellent communication and interpersonal skills. Strong negotiation abilities. Customer-centric approach. QUALIFICATION: Bachelor's degree or equivalent.

We are seeking a highly experienced and analytical Senior Manager - Policy & Risk Analytics . In this pivotal role, you will be responsible for developing and refining credit policies for Home Loans and Loan Against Property (LAP). You will actively monitor portfolio quality, conduct essential training for business and credit teams, and drive the digitization of credit processes to build robust system capabilities for a seamless digital journey. Roles and Responsibilities: Responsible for writing and developing comprehensive credit policies specifically for Home Loans and Loan Against Property (LAP) products. Implement robust frameworks for the monitoring of portfolio quality , identifying trends, risks, and opportunities to ensure sound lending practices. Conduct engaging and informative trainings for business and credit teams on policy matters, ensuring clear understanding and consistent application. Lead initiatives for digitizing the credit processes , including identifying areas for automation, enhancing system capabilities, and contributing to the overall digital transformation journey. Collaborate with various stakeholders including business, credit, collections, product, operations, and compliance teams to ensure policy alignment and effective implementation. Analyze market trends, regulatory changes, and portfolio performance analytics to continually recommend policy enhancements. Contribute to setting up risk thresholds and program risk acceptance criteria for assigned products. Skills Requirement: Strong expertise in credit policy development and implementation for retail lending products, particularly Home Loans and LAP. In-depth understanding of portfolio quality monitoring techniques and early warning indicators. Proven ability to conduct effective training sessions on complex policy matters. Experience in digitizing credit processes and enhancing system capabilities for digital lending journeys. Excellent analytical skills for data-driven policy decisions and risk assessment. Strong knowledge of credit risk management principles and practices. Familiarity with regulatory guidelines related to housing finance and LAP. Exceptional communication and interpersonal skills for stakeholder collaboration. QUALIFICATION: Graduate / Post graduate

We are seeking a highly motivated Sales Manager - DST to lead and drive business outcomes. In this role, you will be responsible for generating Home Loan leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate Home Loan leads from the open market and through different channels (e.g., Direct Selling Agents - DST). Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a highly motivated Sales Manager - DST to lead and drive business outcomes. In this role, you will be responsible for generating Home Loan leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate Home Loan leads from the open market and through different channels (e.g., Direct Selling Agents - DST). Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a highly motivated Sales Manager - DST to lead and drive business outcomes. In this role, you will be responsible for generating Home Loan leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate Home Loan leads from the open market and through different channels (e.g., Direct Selling Agents - DST). Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a proactive Relationship Manager to drive sales and cultivate strong customer relationships. In this role, you will be the front-end interface, engaging directly with customers, building positive relationships, and assisting in generating new business. You will be responsible for resolving customer complaints, educating clients on products and services, and maintaining visibility in the market. Roles and Responsibilities: Responsible for front-end integration, field travel, and direct customer interface . Build and maintain positive relationships with customers . Assist actively in generating new business opportunities. Resolve customer complaints quickly and effectively, ensuring high customer satisfaction. Educate and inform clients comprehensively about the company's products and services. Enhance visibility in the area through promotions, presentations, and meetings. Skills Requirement: Must have experience in sales within NBFC/BFSI, particularly in Product HL (Home Loan) or LAP (Loan Against Property), and Mortgage . Problem-solving attitude. Positive attitude and self-driven. Excellent communication and interpersonal skills. Strong negotiation abilities. Customer-centric approach. QUALIFICATION: Bachelor's degree or equivalent.

We are seeking a highly motivated Sales Manager to lead and drive business outcomes. In this role, you will be responsible for generating Loan Against Property (LAP) leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate LAP (Loan Against Property) leads from the open market and through different channels. Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a highly motivated Sales Manager to lead and drive business outcomes. In this role, you will be responsible for generating Loan Against Property (LAP) leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate LAP (Loan Against Property) leads from the open market and through different channels. Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a highly motivated Sales Manager to lead and drive business outcomes. In this role, you will be responsible for generating Loan Against Property (LAP) leads from the open market and various channels, building a strong team of Relationship Managers, and maintaining productive relationships with channel partners and customers. Roles and Responsibilities: Generate LAP (Loan Against Property) leads from the open market and through different channels. Build and nurture a high-performing team of Relationship Managers . Lead and drive the team effectively to achieve desired business outcomes and sales targets. Maintain productive and strong relationships with channel partners and customers. Conduct regular performance reviews and provide coaching to team members. Develop and implement sales strategies to maximize lead generation and conversion. Monitor market trends and competitor activities to identify new business opportunities. Skills Requirement: Strong sales acumen with a proven track record in lead generation and sales. Ability to build, lead, and motivate a sales team. Excellent communication and interpersonal skills for partner and customer relationship management. Goal-oriented with a strong drive for achieving business outcomes. Strategic thinking for developing effective sales plans. QUALIFICATION: Graduate / Post graduate.

We are seeking a proactive Relationship Manager to drive sales and cultivate strong customer relationships. In this role, you will be the front-end interface, engaging directly with customers, building positive relationships, and assisting in generating new business. You will be responsible for resolving customer complaints, educating clients on products and services, and maintaining visibility in the market. Roles and Responsibilities: Responsible for front-end integration, field travel, and direct customer interface . Build and maintain positive relationships with customers . Assist actively in generating new business opportunities. Resolve customer complaints quickly and effectively, ensuring high customer satisfaction. Educate and inform clients comprehensively about the company's products and services. Enhance visibility in the area through promotions, presentations, and meetings. Skills Requirement: Must have experience in sales within NBFC/BFSI, particularly in Product HL (Home Loan) or LAP (Loan Against Property), and Mortgage . Problem-solving attitude. Positive attitude and self-driven. Excellent communication and interpersonal skills. Strong negotiation abilities. Customer-centric approach. QUALIFICATION: Bachelor's degree or equivalent.