LX Financial Services Private Limited

Digital Marketing Strategy & Execution Develop and manage performance marketing campaigns (Google Ads, Meta Ads). Promote secured (Loan Against Property, Mortgage, Gold Loans) and unsecured products (Personal Loan, Business Loan, Invoice Discounting). Execute SEO/SEM, Google Display, retargeting, email campaigns, and influencer tie-ups. 2. Social Media Management Plan and execute engaging campaigns across platforms: Facebook, Instagram, LinkedIn, YouTube. Create loan awareness through reels, infographics, testimonials, and educational posts. Track follower growth, engagement, and lead quality. 3. Website & Content Management Coordinate with content and tech team to update landing pages and CTAs for loan categories. Regularly publish blogs and video content on financial literacy and loan features. Track conversion metrics via Google Analytics or HubSpot. 4. Branding & PR Work on creating consistent branding across digital and print collateral. Coordinate press releases, third-party platforms (BankBazaar, Paisabazaar, etc.), and listing sites. Plan offline brand activations when aligned with campaigns. 5. Performance Tracking & MIS Monitor lead funnels from digital platforms and optimize Cost per Lead (CPL). Analyze ROI of paid campaigns and channel-specific performance. Maintain dashboards and prepare weekly/monthly marketing reports. Role & responsibilities

1. Credit Appraisal & Underwriting: Evaluate loan applications based on creditworthiness, financials, income proofs, bank statements, GST returns, bureau reports (CIBIL, CRIF), etc. Perform detailed analysis of: Personal Loan applicants Salary slips, employer background, repayment history. Business Loan applicants – Financial statements, turnover, cash flow, ITRs. Invoice Discounting – Verification of invoices, buyer credibility, and ledger validations. Conduct personal discussions (PDs) with borrowers where required. 2. Policy Adherence & Risk Assessment: Ensure loan proposals meet internal credit policy and risk framework. Analyze deviation requests and approve within authority matrix or escalate as per process. Identify early warning signals and mitigate potential credit risks. 3. Coordination with Sales & Operations: Work closely with Relationship Managers/Sales team for clarifications, document follow-up, and timely file processing. Support field teams with guidance on eligibility and product fitment. Coordinate with legal, technical, and operations teams for case closures. 4. Documentation & Decision Making: Ensure all required documents are in place before approval. Make decisions or recommend cases based on authority limits. Ensure accurate data entry and completeness in Loan Management System (LMS). 5. Monitoring & Review: Review portfolio performance in terms of delinquencies and bounce rates. Recommend improvements in underwriting models, scorecards, or risk matrices. Participate in internal audits and risk evaluations.

Role & respo 1. Sales & Business Development: Acquire new customers through direct sourcing, channel partners (DSA, connectors), and lead generation. Promote and sell unsecured loan products like: Personal Loans Small Business Loans Invoice Discounting / Bill Discounting Meet monthly/quarterly sales targets. 2. Client Relationship Management: Build and maintain strong client relationships. Act as a trusted advisor and single point of contact for customer queries, documentation, and servicing. Upsell/cross-sell additional financial products wherever possible. 3. Loan Processing & Documentation: Assist customers in completing documentation, KYC, and loan applications. Coordinate with the credit team for loan approval. nsibilities Ensure end-to-end tracking until disbursement. 4. Market Intelligence & Networking: Develop and maintain relationships with local business communities, traders, MSMEs, and professionals. Provide market feedback on competitors, rates, and customer behavior. Participate in promotional events, campaigns, and local business meets. 5. Compliance & Portfolio Management: Ensure all loans sourced are within NBFC policy and credit guidelines. Coordinate with recovery/collection team for overdue accounts if needed. Monitor customer repayment behavior to ensure asset quality. Preferred candidate profile

File Login & Documentation Handling Receive and verify customer documents from Sales/Relationship Managers. Ensure completeness and correctness of KYC, income proof, bank statements, and application forms. Log in files in the system (LMS or CRM) accurately. Generate file numbers, upload scanned documents, and maintain physical document records. 2. Coordination with Credit Team Forward logged-in files for credit underwriting. Resolve queries raised by the credit team (missing documents, inconsistencies). Schedule and coordinate Personal Discussions (PD) if required. 3. Disbursement Support Follow up for sanction letters, documentation completion, and customer signatures. Liaise with operations and accounts for disbursement processing. Check bank account details, loan agreements, and compliance before fund release. Ensure TAT (Turnaround Time) from login to disbursement is within target. 4. Administrative & MIS Work Maintain tracker of all logged-in, sanctioned, and disbursed files. Prepare daily/weekly MIS reports on application status. Manage document storage, scanning, and retrieval. Assist in internal audit, data entry, and system updates. 5. Customer & Sales Team Support Handle basic queries related to loan status or documentation. Coordinate with sales team for document collection or corrections. Ensure transparency and smooth communication across all teams.