Poonawalla Fincorp
https://poonawallafincorp.com/Jobs at Poonawalla Fincorp
Responsibilities :-
1. Design and engineer new next generation fintech solutions.
2. Implement, optimize and manage the microservices based architecture, end to end, considering various technologies and business stakeholders.
3. Build the correct database design and be ready to evolve it as per upcoming requirements.
4. Design, develop and implement various web and mobile app based customer/partner/merchant journeys.
5. Work with multiple stakeholders to understand inherent complexities involved in building the new solutions on top of the existing product and provide the most suitable and optimized one.
6. A go getter with no reservations, should be ready to jump in and code if required.
7. Do code reviews and ensure that best practices are followed
Ensure that best security practices are taken care of while building the product.
Requirements:-
1. Bachelor of Engineering or Bachelor of Technology in Computer Science / Information Technology or a related field
2. At least 12 years of experience that includes at least 5 years of experience in technology architecture with a significant focus on building scalable full stack applications to be deployed on cloud
3. Excellent problem solving and strategic thinking and leadership skills with the ability to implement complex projects to successful completion
4. Hands on experience in Nodejs, JavaScript, Mongo DB, Relational Database and React. Must be efficient in building efficient code and DB queries.
5. Experience in using cloud services from various cloud providers i.e. AWS, Azure, OCI (AWS exposure is the must)
6. Understanding and experience in ensuring the security best practices are taken care of while building the product.
Should have excellent communication and interpersonal skills.
Job Profile:-
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed.
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
- Successfully improved the branch profitability by constantly supervising the operations costs.
- Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
- Conducting programmes to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
Job Profile:-
- Appraising credit proposals and scrutinizing relevant documents prior to sanctioning and disbursement of pre owned car and ensuring compliance with organizational policies.
- Conducting comprehensive study of creditworthiness of individual clients by supervising data verification and field investigation activities.
- Evaluating financial statements of various clients and availing approval of quantum of credit considering all deviations as per policy.
- Interacting with the Field investigation FI and Risk Control Unit RCU agencies, visiting them regularly to resolve their queries, providing valuable feedback to enhance their report quality and ensure seamless execution of business operations.
- Conducted surprise visits to some customers to cross check the authenticity of the FI and RCU reports in turn avoiding fraud cases and minimizing the loses.
- Successfully maintained a Login to disbursement turn around time of 7days and a loan processing turn around time of 48 hours inclusive of FI and RCU process completion
- Pivotal in achieving minimal number of operational errors related to files disbursed.
- Implementing various trackers and reporting systems, preparing daily MIS and monthly branch reports for monitoring business performance.
- Successfully improved the branch profitability by constantly supervising the operations costs.
- Mentoring & motivating the CPA team force, imparting continuous on job training on various changes in the policy for accomplishing greater operational effectiveness.
- Conducting programmes to enhance efficiency in various business operations, setting up sales objectives and streamlining processes to ensure smooth functioning of sales and credit operations.
- Channel Management-Supervising management of files logged in through the alternate Channel as this is one of the most profit making product for the company.
- Implementing result oriented recovery plans, made Business development visits mandatory for high value disbursement rendering regular feedback to the collections team on portfolio performance
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