11 Unsecured Lending Jobs

Role & responsibilities The Head Risk Policy will be responsible for development and implementation of optimum risk framework, policies and processes in Retail Lending (Secured & Unsecured Loans). The role is a that of a key member of management and responsible for evaluating and recommending the degree of acceptable risk and reward levels for the products and to set policies, processes, underwriting, portfolio management criteria and methods including the use of statistical models and techniques where appropriate. The role is also responsible for analyzing financial results from the products in particular relating to the major items of risk and reward (revenue, collections, provisions and write offs) and reports on the effectiveness of all major programs for changes where required. KPI's : To develop and implement risk management framework To develop, implement various policies and processes to ensure optimum risk management within the organizations risk appetite framework and compliance to regulatory guidelines To drive development, acquisition and implementation of systems that improve, enhance and monitor new lending applications Audits and Monitoring Support the audit teams and monitor and implement their observations To develop portfolio monitoring for effective risk monitoring To ensure effective early warning signals to management and develop risk recovery policies for defaulted loans Team Development Preferred candidate profile Preferably Post Graduate with 15+ years experience in Head Risk Policy for Retail Lending Segment (Secured & Unsecured Loans).

Digital lending PL Product designing, strategy implementation for PL Only digital PL products designing experience is preferred with Basic understanding of Risk analysis ,credit analysis, portfolio management Lifecycle management HR- 8855045944

Role & responsibilities Preferred candidate profile

Area Sales Manager Personal Loans Location: Bangalore (Koramangala, near Forum Mall) Age Limit: Up to 35 years CIBIL Score: Minimum 650 Ticket Size: Up to 30 Lakh Key Responsibilities: Drive sales growth and client acquisition through direct and DSA sourcing. Identify, segment, and approach potential clients with customized loan offers. Build strong relationships with DSAs to boost unsecured loan volumes. Ensure faster loan sanctioning by collaborating with internal teams. Track and report sales productivity and operational metrics. Maintain SLA adherence and recommend process improvements. Support business development initiatives and contests to foster a high-performance sales culture.

Greetings..!!! Please find out the JD for your reference Role: Regional Sales Manager Product-Unsecured business loan

Designation-Relationship Manager/Sales Manager/Area Sales Manager Product-Loan against property/Unsecured Business loan Location- Hyderabad/Vizag/Vijaywada Team handling/ DSA Vertical

Key Responsibilities: Team Management: Lead, train, and supervise a team of collection executives or agents. Set monthly targets and monitor team performance. Ensure adherence to quality standards and call scripts. Collection Strategy: Develop and implement effective recovery strategies for personal loan accounts. Segment delinquent accounts (30+, 60+, 90+ DPD) and design focused action plans. Coordinate with legal teams for escalated cases (e.g., settlements, litigation). Portfolio Management: Monitor overdue accounts, track collection metrics, and reduce NPAs. Review MIS reports and identify trends, root causes, and opportunities for improvement. Collaborate with credit and risk teams to refine underwriting and approval processes. Customer Interaction: Resolve customer disputes and grievances tactfully and within regulatory frameworks. Ensure collection efforts are empathetic, ethical, and customer-friendly. Compliance & Reporting: Ensure adherence to RBI guidelines and company policies. Maintain documentation of interactions, recovery efforts, and settlements. Submit regular reports to senior management on collection progress and challenges. Qualifications: Education: Bachelor's degree (required); MBA or relevant certification (preferred) Experience: 58 years in retail finance collections, preferably in personal loans Skills: Strong leadership and interpersonal skills Analytical and decision-making ability Knowledge of local laws and recovery procedures Proficiency in MS Office and collection software/CRM tools Key Performance Indicators (KPIs): Reduction in DPD/Delinquency ratios Recovery rate and resolution efficiency Number of accounts settled/closed Team productivity and target achievement Compliance and audit scorecards

The position offers excellent exposure and growth potential to a professional who would like to join the core team engaged in setting up a new nationwide organization, and participate in its growth. The position involves setting up the DSA network for the sales function in NeoGrowth, and will be the responsible for identifying, selecting and appointing DSA network as well as monitoring. 1. To grow the retail loan business and achieve the targeted loan book size. 2. To increase the productivity in terms of value and number of loan disbursals as a team. 3. To optimize the cost of merchant acquisition per disbursal. 4. To increase the income from each merchant acquisition. 5. Identifying, Recruiting and Driving channel partners & DSTs on a continuous basis to ensure continuing sales growth. 6. Responsible for generating business through DSAs/DSTs. 7. Should have direct experience in working out & negotiating commercial agreements. 8. Ensuring basic business quality parameters such as TAT, Lead Management etc maintained by the team 9. Ensuring basic Sales Process in the team by imparting continuous Product and Process training for the front end team, setting individual Sales Target and Monitoring regular productivity etc 10. Recruitment and Training of FOS, 11. Experience in designing incentive plans, motivational programmes and engagement activities. 12. Sphere-heading various awareness and lead generating activities done by the team (such as Road Shows) in order to increase the inflow of customer enquiry which further resulting into increased business volume 13. Accountable for the profitability of the channel and productivity of team members 14. Exposure to fraud prevention and detection 15. Coordinating with collection department in resolving non starters and delinquency cases. 16. Incorporating various check-points within the sales process of the team to ensure quality sourcing by the team ensuring acquisition of quality assets. Qualification & Experience Graduate in Commerce/Science 10 to 15 years of experience in a Bank/Insurance company or a NBFC out of which atleast 5 to 7 years of retail loan selling is a must. Management degree in finance/business from reputed institute will be given preference. Job Profile

Position-Sales Manager-Unsecured Business Loan (DSA)

Drive sales of Unsecured Business loan via DSAs & open market. Handle lead generation, customer acquisition, documentation, and disbursement. Ensure portfolio quality, track competition, and maintain MIS & sales pipeline for business growth

Role & responsibilities: This position would include the mentioned set of responsibilities but not limited to: Underwriter corporate card applications which includes interpreting and analyzing financial statements, understanding and having an informed view of the borrowers credit facilities from BoB, interpreting the CIBIL and CMR reports amongst others. Should have good understanding on legal aspects of documentation requirements w.r.t application form, board resolution, undertakings, auto-debit mandates etc. Should be able to decision correctly and properly in terms of assigning corporate card limits balancing risk management norms along-with facilitating adequate corporate spends. Should be able to mentor and coach team-members to help improve the quality of approval notes and the teams ability to correctly analyze financial information. Should be able to effectively and with clarity address queries from sales Teams and should work towards minimizing the same. Underwrite corporate card applications through a holistic approach involving taking a 360- degree view of the corporate including the industry in which it operates, news & updates related to the corporate and any information which is discernible through social media. Should working towards clearing pendencys without compromising on quality. Should also be able to contribute in improving and further building of MIS and dashboarding pertaining to corporate card underwriting. Applicants should possess the following attributes: Minimum experience in underwriting at a manager level position in unsecured lending (cards/PL) in corporate underwriting with a reputed Bank/NBFC. Good understanding of interpreting / analysis of financial statements and treatment of various line items appearing in the balance sheet and P&L and supporting schedules. Has worked extensively in the corporate lending space and has the ability to read the fine print in financial statements. Would be an added advantage if has awareness of thirdparty credible and reliable sources for retrieving key corporate financial data. Has knowledge for essential risk related norms pertaining to underwriting especially in the corporate card/corporate lending space. Brings with him an understanding and awareness of best practices in unsecured underwriting, corporate lending and has an informed view on competition benchmarking including acceptable industry level TAT for underwriting corporate proposal.