9 Jobs in Bannerghatta

GRADE - AVP-I DEPARTMENT - Micro Mortgages REPORTS TO Regional Business Manager Micro Mortgages REPORTING INTO Cluster Manager Micro Mortgages ROLE PURPOSE & OBJECTIVE Drives Mortgage business in their respective Area. Is responsible for overall growth and success of the Micro Mortgage business & cross sell TPP & Liability Products Oversees the performance of the Micro Mortgage portfolio of his/her Area by Cluster and branch in terms of growth (amount and client base) and productivity of cluster manager/Relationship officers by guiding them and carrying out constructive reviews of their performance In coordination with the branch, credit, Risk, collection & product teams, identifies suitable branches and locations for Micro Mortgage business and gets the locations activated by hiring and placing suitable manpower required for different roles SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Managing a portfolio of 100 Cr. Progressively NA KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required Assign targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks. Supports Cluster Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies Efficient staffing by timely recruitment & training Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established. Approve deviations and exceptions according to policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Customer Ensure customers are educated about all products/services offered by Ujjivan. Ensure lower customer attrition by providing different products as per customer requirement. Focus on lower TAT as per laid down standards. Internal process Ensure compliance with lending guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations. Monitor health of portfolio Sanctioning of loans according to the policy in place. Ensure, supervise the correct implementation of the credit procedures including all the respective tools Discuss strategies and changes in terms of products, capacity building, procedures etc. Learning & Performance Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate, preferably Post Graduation Experience 5 years in sales and documentation of loans of which at least 3 years in Mortgage Loans, home loans or loan against property and Business loans in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales. Functional Skills Ability to create teams and drive sales performance. Will be required to take complete ownership of Housing Loan at sub-regional level. Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for Housing Loan Ability to plan and coordinate Team Leading Experience is highly preferred Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language. Good Computer knowledge. Characteristics of Entrepreneurial Behavior Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market Establishes a friendly and professional relationship with the entire team Behavioral Skills Training Skills Interpersonal skills ability to handle various types of mind-sets and get desired output for meeting banks goal Willingness to travel & relocation as per business requirements and career opportunities Managing customer relations Performance oriented KEY INTERACTIONS INTERNAL EXTERNAL Product and marketing team Legal & technical team Regional Ops, Credit , collection External marketing agency Audit, Vigilance, Admin & FCU team Govt. authorities Lead Banks State Level Bankers Committees Branch Banking Team State Govt. Agencies/ Panchayats.

GRADE - M DEPARTMENT - Branch Banking REPORTS TO - Branch Manager ROLE PURPOSE & OBJECTIVE The incumbent will be primarily responsible for providing Financial solutions to meet the requirements of the existing Mapped customers and ensure value added customer service as well as acquiring New to Bank CASA Customers. Responsible for handling the portfolio of existing Mapped CASA customers and generating revenue / book growth Responsible for increasing Liabilities book size of relationships via balances in accounts of existing mapped CASA customers or through Term Deposits, Cross selling of MF / Insurance, Loan products, acquiring family accounts and retaining the relationship To acquire pre-fixed New to Bank CASA customers through Open Market referrals / Referrals from existing CASA client base / BTL Initiatives & other tie ups Should be in close contact with the existing customers through personal visits, mailers and phone calls and share insights on the fluctuations in interest rates, FD rates and various product offerings. Informs customers of new products or product enhancements to further expand the banking relationship. Maintains complete relationship record for assigned customer accounts. Ensure continuity of high quality service, product delivery, and responsiveness to customer needs Tracks customer complaints/queries and turnaround times for customer satisfaction. Responsible to be abreast with all policies relating to operational risk, sales processes, mis-selling etc and ensure compliance with the same. Develop effective ways to promote Brand awareness & Product proposition that lead to measurable business results SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Entire liability target for the branch CASA Book as per the branch TASC Book as per the branch BB-FIG Book as per the branch Segment wise book (NR, Senior Citizen, HNI etc) as per the branch Number target for all the respective products. CA SA TASC Snr Citizen HNI NR Manage portfolio of assigned branch customer holders KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Responsible annually to manage existing portfolio and acquire a new to bank portfolio of around 120 -150 Accounts. Expected to achieve the pre-fixed Net Book/ deposits growth (CASA Values & FD) for the year Expected to achieve the MOM addition of SA & CA Accounts Setting up meetings with prospective customers, ensuring that the clients are offered all products from Ujjivan including SA /CA / FD / Life Insurance/ Loan Products etc. Managing the portfolio of the customers on-boarded; ensuring their queries & requests are addressed on a timely manner; there by resulting in superior Customer Experience Customer Resolution of Queries / Requests that may come from managed CASA clients; adhering to the TAT Providing the best alternate channel experience for the customer through IB / MB/ CIB & Phone Banking Provide Doorstep service to managed customers, where-ever required Implementing necessary training for staffs to enable them to handle managed customers Internal process Streamlining the process of customer on-boarding and ensuring seamless process during the same Working towards eliminating bottlenecks in the Account Opening process and rejuvenating the customer journey with Ujjivan Conversion of all form based processing to digital process, with minimal documentation in the long run Responsible for updating and maintaining all Managed Customer upsell related MIS as well as New Customer acquisition done by RM (Calls, Prospects, Meetings, Business Conversions) Learning & Performance Ensure adherence to training man-days/ mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines Timely training of Branch staff, so as to ensure product knowledge & change in processes are communicated in a timely manner MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate, with a Masters or MBA / PGDM Preferred. Experience Preferred experience of 3 - 4 years in Banking specific managing Privileged / Mapped clients Certifications AMFI / IRDA Certified Functional Skills Good knowledge of Branch Banking & Liability products Service Oriented Analytic and technology oriented Good Relationship Management skills with existing & new Customers Demonstrated leadership experience in interacting with cross-functional teams with a sound understanding of key business drivers Behavioral Skills Sales Skills Execution Skills Relationship Skills Influencing Skills Customer Service Orientation Competencies Planning & Organizing Driving Execution Building Partnerships

POSITION DESCRIPTION JOB TITLE Officer- Credit Micro Banking GRADE DM-II DEPARTMENT Credit LOCATION HO SUB-DEPARTMENT Micro Banking and Rural Banking TYPE OF POSITION Full-time REPORTS TO Cluster Credit Manager-Micro Banking & Rural Banking ROLE PURPOSE & OBJECTIVE This role is primarily responsible for underwriting high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower and unsecured loans of the microfinance and rural business vertical The incumbent works on maintainingsuccess and growth of products by adhering to defined policy and process for loan approval and credit policies and processes are followed effectively by sourcing staffs and appraisers. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE IL Disbursement of Rs. 2-3 Cr in a month and manage IL portfolio of 12-15 Cr. Support IL business of 3-4 Branches KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and / or co-borrower. Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below Individual loans Business, Home improvement, Higher Education loans KCC, agriculture and livestock loans Maintains success and growth of these products by adhering to defined policy and process for loan approval. Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers. Conduct business place, office, residence and farm visits of the applicants based on the product and purpose of the loan. Conduct reference checks with customers /suppliers / vendors / dealers. Assess repayment capacity, character and cash flow of the applicant. Maintain collection of relevant and proper documents. Maintain adherence to internal and regulatory policies / compliances like KYC etc. Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis Escalate deviations for necessary approval as per the deviation matrix. Observe for triggers in documents and escalate documents with issues to FCU team. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB. Maintain daily productivity with respect to personal discussions, quality check of applications, sample visits and checks etc as per the set KRA. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Monitoring rejections from field, guide the branch staff to control the same and maintain higher number of Straight through applications from branches. Report/ Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues. Conduct Loan Utilization Checks for the recent disbursement cases as per policy. Maintain to participate and drive the successful implementation of technology based projects at backend and field Plan and address issues across Poor, High Risk and Critical branches and maintain good risk management at the branches Maintains PAR and provision are maintained within the budget. Engage in collections for recovery, follow up for Incremental overdues and non-starters Sanction the files appraised by the sales / distribution team through thorough verification of the documents and assessment by the appraiser of the loan. Decision on loan applications as per credit approval grid, deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 months of booking. Imparting training to the microfinance team on the group lending, individual lending and other lending products credit policies, processes and systems, including regular trainings on changes / refreshers. Report / escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues. Maintain to participate and drive the successful implementation of product and technology based projects at field Maintains PAR and Provision are maintained within the acceptable limit/budget. Maintains customer satisfaction by processing of loan applications within the TAT defined Maintain adherence to all regulatory norms with respect to KYC, documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geography Quickly learn of new products and systems being introduced and implement in the field. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector or occupation study and survey of branch working areas. Customer Maintains customer satisfaction by processing of loan applications within the TAT defined Understand customers need & repayment capacity & make appropriate loan decisions and recommend right product and loan amount to right customer Maintain that credit responds to branch & customers queries and issues timely, thereby ensuring good service to customers through efficient processing of applications Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products, policy and process Internal process Maintain adherence to all regulatory norms with respect to KYC & Documentation, Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents, follow up for if gaps any Review branch working areas, negative areas, no-go areas and negative customer list Maintain that the Issue/ deviations / policy/ process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix. Attend audit closure meetings to understand identified issues & take necessary corrective measures. Maintain and update activity trackers Personal discussions, Quality check of files shadow visits, sample checks, trainings, LUCs, escalations, deviations, branch errors Learning & Performance Maintain up to date knowledge of all the products and the geography Upgrade self and branch team about changes happening in the market New products being introduced and new systems being adopted to be learnt quickly and to be adopted. Keep updated with SLBC / DLC meetings & annual reports for information on investment on different types of crops for KCC / Agri limits. Keep abreast with ongoing farming operations in the field & market. Networking with other NBFCs / Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Maintain necessary feedback is given to supervisors on regular basis about the credit policies, processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings / observations for necessary action. Ensuring visits in branches of other clusters to maintain understanding and learning through experience

ROLE PURPOSE & OBJECTIVE This role drives the Banks operational efficiency by consistently driving teams productivity and achieving productivity benchmarks. Along with its team of BDE, AAM and AM, this role is responsible for sale of banks products. This role is also important to cultivate networks and partnerships toward existing Current account and Savings account customers and consistently work on Customers retention. Hence, the role incumbent executes action plans on how best to manage Customer Portfolios of existing accounts and to generate new customers. The role incumbent is highly oriented to Customer Service, takes ownership of all customer issues, proactively identifies possible issue and brings any open customer complaint to closure. This role is accountable to bring superior and efficient operationalization of processes on - Account opening, Fixed Deposits, etc. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE CASA Values as per the branch TD Targets as per the branch CASA Nos & Values as per branch targets TD Nos & Value -as per branch Cross Sell KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business and customer Cross sell of liability, investment and asset products to both existing and NTB customers. Generate referrals from internal base and ensure customer service issues are addressed. Generate and review reports and file them accordingly. Administer and ensure compliance to all sales practices in branch. Meet the business targets and identify sales opportunities. Generate leads for new business and customers. Prepare and analyze branch profitability. Hiring of sales resources and providing them with the requisite training and handholding them. Self-sourcing business basis opportunity and potential. Customer Ensure seamless on-boarding experience for customers. Ensuring best in class TAT and processing standards. Ensuring that any service complaints are resolved in a timely manner. Profiling customers and providing them with the right product. Competitor watch and give relevant suggestion and feedback to constantly improvise products in-tune with the market. Internal process Build a strong team. Working towards eliminating bottlenecks in the process and rejuvenating the customer journey with Ujjivan. Timely training of team members so as to ensure product knowledge, change in processes are communicated in a timely manner downwards. Innovation & Learning Enhance on-job self-learning. Ensure timely completion of training / learning programs assigned time to time for self and for the team. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduation/MBA Experience(Years and Core Experience Type) 5 to 6 years of experience with 2+ years of core retail banking experience. Certifications NA Functional Skills Timely customer service Process Orientation Multitasking ability Knowledge of liabilities & asset products Compliance orientation Behavioral Skills Product and process knowledge Able to motivate a team Communication and management skills Result oriented Competencies Planning and Organizing Customer Focus Managing Relationships Driving Execution Collaborating Coaching Business Acumen Influencing KEY INTERACTIONS INTERNAL EXTERNAL Business Team Product team Marketing Team

ROLEPURPOSE & OBJECTIVE Thisrole is responsible for acquiring new current account customersfrom the open market and enhance the relationship with existingcustomers (managing existing CA portfolio as assigned) bycross-selling products and services as per the profile & needof the customers. Thisrole drives thecurrent account business for the respective branch and ensure theCA targets for the branch is met. Theincumbent provides service to both existing as well as to NTBcurrent account customers. Thisrole also handles cross selling of QR & POS and is accountablefor adherence to compliance and regulatory norms. NON-FINANCIALSIZE CAbook size of the branch CATarget for the branch Generatequality sales leads Handlingof both internal and external queries KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Meetthe set targets on current account in terms of open marketacquisition & existing customer conversion Focuson building the current account book for the bank Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels: Leadsgenerated by branch staff and personal leads Referralsgenerated from existing customers Alternatechannels Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter AccompanyMSE staffs on the field for actively driving conversion ofexisting borrowing customers into liabilities customers Crosssell other products of Ujjivan such as QR, POS, Payment Gateway,OD & TPP and pass on quality leads to respective MSE loanofficers. Sharecustomer insights/product related feedback with the BranchManager Customers Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services Reducecustomer dormancy and customer attrition by continuous engagement/ interaction Resolvesthe customer queries. Internal Processes Guidethe customer to fill the Account Opening Form;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents Strictlyadhere & maintain compliance to KYC norms Drivethe cross sell of other products such as QR, POS & TPP Learning & Performance Maintainup to date knowledge of the CA liability products and services aswell as a working knowledge of other products offered in thebranch Ensureadherence to training man-days/ mandatory training programs forself Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines Educational Qualifications Graduate,preferably in commerce and related streams Experience(Yearsand Core Experience Type) Minimum3+ yearsof experience in retail branch banking (preferable in CA sales) FunctionalSkills Basicknowledge on retail banking products especially current account Documentationskills Processcompliance focus Communicationskills: fluent in the local language BehavioralSkills Courteouscustomer service skills TimeManagement Sellingskills Telephoniccold calling skills Willingness totravel & relocation as per business requirements and careeropportunities Competencies Planningand Organizing CustomerFocus ManagingRelationships DrivingExecution Collaborating Coaching BusinessAcumen Influencing Location - Bengaluru,Bannerghatta,Belgaum,Chennai,Coimbatore,Davangere,Dharwad,Ernakulam,Erode,Hyderabad,Kollam,Kothamangalam,Madhwapur,Madurai,Malkajgiri,Medchal,Mysuru,Nagar,Rajahmundry,Ramanathapuram,Rangareddy,Salem,Tambaram,Thiruvananthapuram,Tiruvannamalai,Thrissur,Tiruchirapalli,Tumkur,Vijayawada

Role & responsibilities Collaborate with all internal departments and teams for inputs collation, publishing payroll calendar with all stakeholders. Process monthly payroll accurately and on time for all employees, including calculation of wages, overtime, bonuses, deductions, and statutory contributions (PF, ESI, Professional Tax, TDS, LWF). Maintain and update payroll records, ensuring data integrity and confidentiality. Coordinate with the finance team for salary , F&F disbursement as per calendar agreed. Ensure compliance with Indian labor laws, tax regulations, and company policies related to payroll. Coordinate with a people team to manage employee data, attendance, leaves, and benefits impacting payroll. Validate statutory reports and returns related to payroll, such as PF, ESI, TDS filings, and other government compliance and share with compliance partner for challan generation and filings before due date. Address and resolve payroll-related employee queries promptly and professionally via our internal ticketing systems and payroll mail box. Collaborate with external vendors like payroll partner, compliance partner etc for payroll & compliance related matters. Stay updated on changes in payroll laws and regulations and implement necessary changes in payroll processes. Publish payroll accuracy dashboard to leadership team post payroll closure. Take care of allied payroll reports and credits like meal coupon wallet upload to sodexo, NPS contribution remittance via finance team, UAN creation template update to compliance partners etc. Any audit and ad-hoc reports as and when required by leadership and management. Preferred candidate profile Bachelors degree in Commerce, Finance, Human Resources, or related field. Minimum 5 years of hands-on payroll processing experience, preferably in a product or technology company or service industries. Strong knowledge of Indian payroll laws, labor regulations, and statutory compliance. Excellent MS Excel and data management skills. Strong analytical, organizational, and problem-solving abilities. Effective communication and interpersonal skills to interact with employees and cross-functional teams. Ability to handle confidential information with discretion and professionalism.

Two or three years of experience in a talent acquisition or similar role (in-house or staffing agency) Experience in full-cycle recruiting, using various interview techniques and evaluation methods. Proficiency with social media, CV databases, and professional networks Experience in using LinkedIn Talent Solutions to proactively source candidates. Proficiency in documenting processes and keeping up with industry trends. Excellent interpersonal and communication skills. Location - Delhi, Hyderbad.

Responsibilities: Lead the end-to-end procurement process for IT hardware, software, and services, including vendor selection, negotiation, and contract management. Build and maintain strong relationships with OEM partners and third-party vendors to ensure timely delivery, quality products, and competitive pricing. Strategic Sourcing: Identify cost-saving opportunities and alternative sourcing strategies to optimize procurement processes and achieve cost efficiencies. Contract Negotiation: Negotiate favorable terms and conditions with vendors, including pricing, delivery schedules, and service level agreements (SLAs). Ensure compliance with company policies, industry regulations, and legal requirements throughout the procurement process. Identify and mitigate potential risks associated with vendor relationships. Collaborate with internal stakeholders, including IT teams, finance, and business units, to understand their requirements and align procurement activities with organizational goals. Develop and manage procurement budgets, forecast expenditures, and track costs to ensure adherence to financial targets and objectives. Stay abreast of industry trends, market developments, and emerging technologies to drive innovation and improvement in procurement processes and practices. Qualifications: Bachelors degree in business administration, Supply Chain Management, or related field. 2-4 years of experience in IT procurement, vendor management, and enterprise-level IT infrastructure and solution services. Proven track record of successfully managing procurement projects, negotiating contracts, and driving cost-saving initiatives. Strong understanding of IT hardware, software, and services, with knowledge of leading OEM partners and industry best practices. Excellent communication, negotiation, and interpersonal skills, with the ability to build and maintain effective relationships with internal and external stakeholders. Analytical mindset with proficiency in data analysis, financial modeling, and procurement tools/software. Ability to work independently, prioritize tasks, and meet deadlines in a fast-paced and dynamic environment. Relevant certifications in procurement, supply chain management, or ITIL are a plus.

Key Responsibilities for the Job Profile: -Sales Consultation. - Engage qualified leads in meaningful conversations, understanding their requirements and pain points. - Tailor product or service recommendations to meet the needs and preferences of individual leads. - Provide detailed information about pricing, features, and benefits, addressing objections and hesitations effectively. - Sales Closure: Work collaboratively with the sales team to transition qualified leads into the sales pipeline. - Ensure all necessary documentation and information are collected for a smooth handover to the sales team. - Assist in scheduling appointments or demos for leads with sales representatives. - Relationship Building: Build and maintain positive relationships with leads by demonstrating empathy, active listening, and a customer-centric approach. - Follow up with leads at appropriate intervals to nurture their interest and trust in the company's offerings. - Should be a good Sales person - Should be good in Negotiations - Should be ready to sit in the clinic and ready to take the clinic ownership too. Qualifications: - Bachelor's degree in business, marketing, or a related field (or equivalent work experience). - Proven experience in lead qualification and/or inside sales with at Least 2 Years & Max 3 to 4 Years of experience. -Excellent communication and interpersonal skills. - Strong problem-solving and negotiation abilities. - Familiarity with CRM software and lead management tools. - Goal-oriented with a focus on achieving sales targets. - Languages - English, Hindi, Kannada MANDATORY We are hiring for multiple loctaions in Bangalore ,Kasturi Nagar, Koramangala, Basavanagudi, Bannerghatta, Jayanagar,