58 Wc Jobs

Business/ Financials Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility Implement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established. Customer (Both Internal & External) 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 Monitor health of portfolio 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. Innovation & Learning Ensure adherence to training man-days/ mandatory training programs for self Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self. Ability to drive sales performance. Will be required to manage customers of MSME loan at Branch level. Ability to engage with customers, colleagues & agencies providing valuation and legal opinion. Plan & execute Marketing and Sales promotion for MSME loans Awareness about different Liabilities, Insurance and loan products. Ability to speak and read regional language(s)- is desirable. Ability to communicate in English

ROLE SUMMARY Ensure quality Appraisal of credit for worthy borrowers. Ensure timely credit and transaction approvals for delegation under self. Managing loan portfolio with respect to credit rating/quality. Identify de risk account / AL accounts. Monitoring of Team TAT and Productivity. Ensuring adherence to the credit policy and process. Review of Delinquency Review exceptions and approval for knocking. Revert on the Hindsight and Internal audit observations KEY RESPONSIBILITIES/ ACCOUNTABILITIESStrategic/ Managerial Responsibilities Ensuring Credit appraisals are done within TAT Ensuring adherence to the credit policy and process. Core Responsibilities Raising critical risk queries, exercising adequate due diligence including market intelligence, ensuring quick turnaround as per SLA and quality of CAM/ IOM/PSM Highlighting key risks/concerns. Suggesting effective limit structures, collaterals, and covenants. Preparing the Credit Risk Summary Sheet Timely completion of credit appraisals / renewals/PSMs with effective structures Customer Meetings and Discussion along with factory/ Unit visit where ever required. Timely closure of exceptions & managing limit/facility overdue. Periodically review portfolio to identify possible risks. In depth review of accounts appearing in early warning system to take corrective action Interaction with various stakeholders (internal and external) for review of such customers Carry out internal rating of customers and assign/review rating Maintain/monitor Credit Hygiene People Management or Self-Management Responsibilities Timely/ effective closure of transaction requests. Minimal CAM over dues. Timely closure of exceptions & managing limit/facility overdue. . Risk and Internal Control Responsibilities Maintain and update Credit data for all accounts. Suggest process/Policy /systems/controls related improvements, Address Audit findings, Hind-sighting, CPA Management KEY INTERACTIONSKey Internal InteractionsPurpose of Interaction Business Team To interact with RM / CBL /RBL on day to day basis while cases assessment, monitoring delinquency Policy Team For clarification / guidelines as and when required Product Team For clarification / guidelines as and when required Key External InteractionsPurpose of Interaction Customers As required by the policy while assessment of a case, have to interact with customer for information / concerns for decisioning of case COMPETENCIES & KEY PERFORMANCE INDICATORSBEHAVIORAL COMPETENCIESCore CompetenciesCompetency NameBehaviors Customer Focus Listens to and demonstrates an understanding of customers stated needs Delivers customer value through timely and quality execution Develops an understanding of problems and employs existing or new methods to find solutions Professional Entrepreneurship Takes proactive and constructive action at work with little or no direction from others Displays responsibility for problems, initiatives and tasks that lie within the domain of own role. Drive for Results Seeks to understand the rationale for key decisions and understands implications for own role/ actions Displays a sense of urgency to deliver outcomes as per stated timelines Reacts to challenges by displaying an optimistic demeanor Quality Focus Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement Leadership CompetenciesCompetency NameBehaviors Lead and Develop people Sets performance expectations at the department level, monitoring performance, providing measurement systems, driving accountability and rewarding high performance Enables empowerment by assigning clear challenging tasks with definitive accountabilities, resources and authority Coaches and mentors employees to develop required skills, provides developmental tools and provides continuous feedback and support Enables Change Displays the ability to depart from traditional methods/behaviors and adapting quickly when situational constraints require new or different approaches Cascades the vision for change, and leads required transformation in structure, processes and capability to ensure a smooth transition Encourages team members to respond positively to changes, encouraging discussion, responding with empathy to their anxiety

Great Opportunity for Working Capital Professional..! Designation: Relationship Manager - SMART Experience : 4+ years of experience in Working Capital, Business banking. Roles & Responsibilities On-board and Maintain strong relationship with Open Market/ DSA/channel Partner to meet the monthly Target. Addition of New To Bank customers to the portfolio. Portfolio Management with profitable Income. Target income Generation in the form of Fee and Interest Income. Cross sell and up sell various products like Loan Cover Insurance and General insurance. Coordination with various internal stakeholders like Credit ,operations and channel partners to align with TAT. Proactive Monitoring & deepening Relationship with NTB & ETB client. Should be Self Learning , collaborative and result oriented. Should have experience in handling secured loans, Business Banking, working capital. CTC : Best in industry. *Location* Bhopal Raipur Thanks & Regards, Human resource department KVB

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Role: Elite Relationship Manager WC Position Code: 3424 Job Role Manage big ticket size clients having group exposure above 5 Cr Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for any stock statements submissions pending, Stock insurance pending and ensure timely stock audit gets done. Visit to client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Maintain optimum portfolio hygiene by ensuring entire churning is routed through KMBL and push for closure of other CA"™s. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management. Maintain CASA book and generate float income by opening all group accounts. Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement Preferably MBA/ CA Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill

About The Role Role: Elite Relationship Manager WC Position Code: 3424 Job Role Manage big ticket size clients having group exposure above 5 Cr Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for any stock statements submissions pending, Stock insurance pending and ensure timely stock audit gets done. Visit to client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Maintain optimum portfolio hygiene by ensuring entire churning is routed through KMBL and push for closure of other CA"™s. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management. Maintain CASA book and generate float income by opening all group accounts. Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement Preferably MBA/ CA Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill

About The Role Role: Elite Relationship Manager WC Position Code: 3424 Job Role Manage big ticket size clients having group exposure above 5 Cr Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for any stock statements submissions pending, Stock insurance pending and ensure timely stock audit gets done. Visit to client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Maintain optimum portfolio hygiene by ensuring entire churning is routed through KMBL and push for closure of other CA"™s. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management. Maintain CASA book and generate float income by opening all group accounts. Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement Preferably MBA/ CA Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill

Job description Relationship manager ( Working capital) Location :- Balotra Core Responsibilities Acquisition of NewtoBank MSME relationships through the CRM and Knowledge Banking approach. Regularly Engage with colleagues in Branch Banking, MSME Associations Office Bearers which shall help in meeting Min. 2 MSME Clients on daily basis. Build Asset Book by extending Working Capital Facilities and Term Loans to MSME Clients Build Liability Book comprising of Current Accounts, Saving Accounts and Fixed Deposits by offering various Trade and Transaction products like Cash Management Services, Trade and Treasury Products. Enhance Book Profitability and Client stickiness by consistently seeking an opportunity to expand share of wallet of the customer base through Cross Sell of POS (Merchants) Machines, Salary Accounts for employees, Insurance (both Life and Non-Life) and various other Wealth Management Products Collaborate with the Risk, Operations and service teams to ensure delivering better TAT of Loans Responsibilities Defines performance goals at the start of the year in discussion with the reporting manager and ensures that the goals are monitored and achieved during the course of the year. Takes ownership of his/her own learning agenda by identifying development needs in consultation with the reporting manager and working towards bridging the gaps through various means which go beyond just training. Understands the competencies relevant to his/her role, and works towards displaying as well as developing these effectively. Keeps abreast of relevant professional/industry developments, new techniques and current issues through continued education and professional networks.

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Needs to have a good knowledge of Local market. Must have experience in that Geography To understand clients business & provide appropriate products To cross sell various products like Current Account/Savings account/Life Insurance and General Insurance To build relationships with key persons in the target segments & build client trust & confidence. To be alert on competitive elements in the target segments (viz. other banks etc.) &Augment the presence and penetration of the Kotak brand in the target market Improve efficiency by monitoring accounts sourced, do top ups on existing loans when possible Job Requirement: Graduate / MBA Experience3-4 years in the local market, preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- healthcare loan, amount, rate & fees. Should have good oral and written Communication skills. Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, supply chain

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Business Relationship Manager Department Business Banking Assets Location Position Grade Deputy Manager / Manager / Sr. Manager Job Role: Business Relationship Manager About The Role Manage and service existing portfolio of WC clients including renewal and enhancement of limits Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Ensure growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely renewal of limits, Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for submission of any pending stock statements, stock insurance and stock audit compliance. Visit client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products including WC limits and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management.Maintain CASA book and generate float income by opening all group accounts. Experience2-3 years"™ experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong Oral and Written Communication Skills Relationship Management Skill & Good influencing skills Job Knowledge- The candidate would need to handle Sales for a gamut of products like WC, LAP, etc

About The Role Managing outbound calling vendor at vendor/HO location to drive performance, COA, productivity, etc and meeting targets. Coordinating with vendor, IT, ops and other departments for various daily activities or escalations. Ensure RCA and DNC mails are reverted and actioned within TAT. Managing Card Sales escalations and ensuring customer requests are handled within TAT. Supporting data management & lead booking when required. Conducting regular audits and publishing reports for activities. Ensuring all outbound processes are documented & reviewed timely. Ensuring all reports are published timely and accurately Cross checking training, certification, operations & quality activities at vendor. Providing training & updating Channel Partner on product & policies from time to time. All other activities related to managing OB channel & related activities. Eligibility Criteria: CC Sales, Team handling and coordinating experience required Knowledge of outbound calling function & call centres required. Minimum 3 to 5 years"™ Call centre experience Graduate & above Knowledge of MS SQL/MY SQL queries and MS Excel would be an advantage Good written and spoken communication in English

About The Role Role Sourcing of New to Bank business banking accounts & Managing the Business Banking portfolio assigned Assisting the client"™s business with different business banking products like OD/CC/ BG/Term Loans/Forex/etc Cross sell of Liability based products liked Fixed Deposit, savings account to the portfolio clients Maintaining the service standards set by the bank in collaboration with the service support team Maintain Co-ordial relationships with internal stakeholder and external agencies to generate leads for New to bank Clients. Job Requirement Ability to source High Value Business Banking Accounts Thorough knowledge of Current Account/Trade Account opening/transaction processes Strong Communication skills with assertive attitude Knowledge of Trade, Forex and Business Assets Strong follow up ability & keenness Ability to spot opportunities in the portfolio for Upselling/Xselling bank products

About The Role Job Role Manage big ticket size clients having group exposure above 5 Cr Build strong and effective relationship with Promoters and build client trust and confidence Understand business models, target segments, cash flows and structure WC solutions to best suit customer needs. Achieve a minimum of 15% YOY growth in the portfolio by way of enhancement and achieve a minimum business target as defined in the SOP. Ensure timely closure of all pending PDD"™s. Tracking and liaison with customer for any stock statements submissions pending, Stock insurance pending and ensure timely stock audit gets done. Visit to client locations at frequent intervals to stay connected and ensure growth and functionality of business model. Maintain optimum portfolio hygiene by ensuring entire churning is routed through KMBL and push for closure of other CA"™s. Push client for optimum utilization and track the utilization pattern MOM to identify any unusual transaction. Ensure minimum delinquency and work towards exit of clients identified in EWS. Be the face for the customer for his entire WC solutions. Provide timely advice and keep client updated with latest developments and pitch products beneficial to customer for smoother working. Liaison with internal departments credit/ops/trade desk/branch to facilitate client issues and ensure that the same are resolved within minimum TAT. Drive cross sell products and book penetration in allocated set of clients. Generate leads from existing customers and on-board new customer"™s basis existing relationship management. Maintain CASA book and generate float income by opening all group accounts. Tracking of trade and forex transaction done by customer and generating income opportunities from this. Job Requirement Preferably MBA/ CA Experience2-3 years experience in the local market preferably some background in Credit & Sales Knowledge is required - ability to get the customer to buy into the asset proposition- loan amount, rate & fees. Strong oral and written Communication Relationship Management Skill

Business/ Financials Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for the cluster 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 Cluster by branch, relationship manager with the objective to identify tendencies and risks. Supports Relationship 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. Customer (Both Internal & External) 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 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. Innovation & Learning 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 the team.

Relationship Manager Retail Agri Job Purpose Acquisition, enhancement and retention of customers by providing best possible services and being the dedicated point of contact for customers of Agri sector. Job Responsibilities (JR) : 8 Areas Actionable (4-6) Sourcing and Business Generation Business scoping of geographical market for farming and rural community Sourcing proposals from individual farmers / Co- operative societies / Rural Mandis & Markets / Kissan Clubs / Farmer Producer Organizations etc. Conducting marketing activities for generating new business Work on productivity benchmarks Market Update and Change in Product / Processes To keep an update with respect to market requirement, competition and customer banking behavior. To understand the changing dynamics in the market and propose amendments in various product offerings. To keep abreast of changes in State Government laws and policies. To liaison with new and existing customers for relationships. To be in touch with agro centers /rural mandis / Rural markets / Kisan clubs for maintaining and deepening existing relationships. Relationship Building and Maintenance Addressing complaints received from customers within stipulated TAT. Delinquency / Rotation & Recovery / Housekeeping To work towards minimal delinquency in portfolio. Follow-up with customers for recovery. To monitor rotation of accounts To avoid dropping of limit in customers account, ensure submission of documents like LAD, CAM, etc. To support legal and remedial team for legal actions To work towards keeping Housekeeping parameters under control. To conduct village level farmer meetings and educate farmers on various products offered by bank Farmer Education and Capacity Building To make farmers aware of various aspects of banking and keep them informed about tools and technology for improving farm production. To educate farmers about debt waivers, crop insurance & government subsidies. Increased penetration and cross sell Training and Development of SO/HBL Cross sell of other assets and liability products Promotion of digital platforms like NetBanking, Mobile Banking, PayZapp, Insta Alert, Smart Buy, Chillr, etc. To utilize the sales resources (HBL/SO) for optimal sales support. To groom supporting staff and enhancing their skills by imparting regular trainings for better customer relationship dealing. To monitor performance and counseling them for delivery Relationship with Retail Branches and Other Stake holders Liaise with Credit to ensure timely decisioning of proposals & closure of Housekeeping items. To coordinate with Remedial team for NPA cases and work towards recovery of the same To coordinate with the local Operations team for disbursement Liaise with RBB team for activation of branches for KGC business & for providing best services to customers To liaise with Business Correspondents (BCs) for new & existing customer relationships Any other task assigned by seniors from time to time. Others Educational Qualifications Key Skills Sales and Influencing Skills Graduation (preferably Agri Business) Post-Graduation MBA (preferably Agri Business) Banking Product & Process Knowledge Planning and Organizing Skills Communication Knowledge of Competition & Current trends in financial Industry. Experience Required Minimum experience of 2-3 years in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, etc. Preferred from Banking / Financial Services. Major Stakeholders (intra team and cross functional stakeholders, who would need to be interacted with for discharging duties) Customers Credit Branch Banking Operations Farmers Agro Centres/ Rural mandis / Rural Markets / Kisan Clubs Business Correspondent Senior Leaders from Product/Sales Audit HR

Role & responsibilities / Preferred candidate profile Business/ Financials Daily/ Weekly /Monthly monitoring of the accomplishment of targets according to the annual/monthly targets established for branches under his/her responsibility Implement, supervise and control effectiveness of commercial strategy to reach the productivity and growth targets established. Customer (Both Internal & External) 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 Monitor health of portfolio 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. Innovation & Learning Ensure adherence to training man-days/ mandatory training programs for self Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self Interested Candidates can Share your updated resumes on - mahesh.dolare@ujjivan.com / 8855042842 (WhatsApp)

Great Opportunity for Working Capital Professional..! Designation: Relationship Manager - SMART Experience : 4+ years of experience in Working Capital, Business banking. Roles & Responsibilities On-board and Maintain strong relationship with Open Market/ DSA/channel Partner to meet the monthly Target. Addition of New To Bank customers to the portfolio. Portfolio Management with profitable Income. Target income Generation in the form of Fee and Interest Income. Cross sell and up sell various products like Loan Cover Insurance and General insurance. Coordination with various internal stakeholders like Credit ,operations and channel partners to align with TAT. Proactive Monitoring & deepening Relationship with NTB & ETB client. Should be Self Learning , collaborative and result oriented. Should have experience in handling secured loans, Business Banking, working capital. CTC : Best in industry. *Location* Andheri, Mumbai Ahmedabad Delhi Thanks & Regards, Human resource department KVB

Role Summary: We are looking for a dynamic and result-oriented Relationship Manager (RM) to join our Medium Enterprises (ME) team. The ideal candidate will be responsible for sourcing and managing a portfolio of clients with turnover ranging from 100 Cr to 500 Cr, maintaining portfolio hygiene, and actively engaging in cross-selling financial products. Key Responsibilities: 1. Client Acquisition (NTB): Source new-to-bank (NTB) clients in the medium enterprise segment with turnover between 100 Cr to 500 Cr. Identify opportunities through market intelligence, references, and industry networking. 2. Portfolio Management: Manage and deepen relationships with the existing client portfolio. Regular engagement with clients to ensure satisfaction and retention. 3. Credit Note Preparation: Conduct financial analysis and prepare detailed credit notes for new and existing clients. Evaluate risk and structure proposals in line with banks credit policies. 4. Sanction Process & Stakeholder Coordination: Liaise with internal credit teams for proposal discussions and approvals. Effectively communicate with clients to understand their financial needs and ensure alignment with product offerings. 5. Portfolio Hygiene: Ensure timely renewals, limit compliance, documentation, and monitoring of early warning signals. Maintain high asset quality and minimize delinquencies. 6. Cross-Selling: Identify and capitalize on cross-sell opportunities across products like trade finance, treasury, cash management, insurance, and working capital solutions.

Responsibilities: Actively sourcing and acquiring SME and Emerging Corporate clients across a spectrum of industries, including Manufacturing, Engineering, Chemicals, Pharma, Textiles, and Logistics. Conducting thorough credit and risk analyses to inform sound decision-making, while adeptly preparing credit notes to facilitate smooth deal structuring. Ensuring seamless document fulfillment and timely disbursement of credit facilities Working alongside the leadership and risk team to structure competitive deals and onboard clients effectively. Collaborating with the leadership to identify and capitalize on new growth clusters and industries Building and leveraging a strong network within industry circles to expand the business portfolio and capitalize on emerging prospects. What you get: Industry best internal growth and progression (in terms of Grade/Wealth/Team/Learnings) with one of India's biggest and fastest growing NBFCs Opportunity to work alongside and learn from some of the best commercial stalwarts Competitive Pay & Benefits Meritocratic and Rewarding Environment Opportunity to do unconventional lending products with distinct USPs (Best TAT, Broader Client Coverage, Higher Risk Appetite, Superior Client Experience, etc.)

Conduct sales promotion activities in open market and improve relationships through expos and events, various activities etc. Responsible for launching new products in market Ensure key customer satisfaction through customer service of the highest quality Handle all end to end activities related to the product i.e. from Login to Disbursement Liaise with various departments within the system (Credit/Operations etc.) to ensure smooth process flows Responsible for acquisition of channel partners for sourcing products - Connectors Improve relationship with branches and monitor the performance of ARMs and deepen the relationship with existing clients Prevent/ minimize the fraudulent/risky proposals entry into the system Provide timely feedback to central team for improvements in product features and processes Conduct training on selling/product Create a performance oriented environment through effective team management, leading to high employee motivation and productivity

Role : Relationship Manager - Retail Agri Experience : Min 1 year of experience in Agri sector in a similar role or Sales experience in Seed companies, Fertilizer companies, Agri Product companies, Banks, etc. Experience in working capital preferred. Hiring Locations : Moga Walkin Details Interview Date : 13th June 2025 Timing : 10:00 AM to 1:00 PM Interview Address : HDFC Bank Ltd, Nr. Aggarwal Barat Ghar Chamber Road, Moga, Punjab, 142001 Job Responsibilities: Business scoping of geographical market for farming and rural community Sourcing proposals from individual farmers / Cooperative societies / Rural Mandis & Markets /Kissan Clubs / Farmer Producer Organizations etc. Conducting marketing activities for generating new business Work on productivity benchmarks Knowledge of basic banking functions.