Area Sales Manager- Gold Loan

WHO WE ARE:

TIFIN is a fintech company backed by industry leaders including JP Morgan, Morningstar, Broadridge and Hamilton Lane.

We build engaging experiences through powerful AI and personalization. We leverage the combined power of investment intelligence, data science, and technology to make investing a more engaging experience and a more powerful driver of financial wellbeing.

At TIFIN, design and behavioral thinking enables engaging customer centered experiences along with software and application programming interfaces (APIs). We use investment science and intelligence to build algorithmic engines inside the software and APIs to enable better investor outcomes.

We hope to change the world of wealth in ways that personalized delivery has changed the world of movies, music and more. In a world where every individual is unique, we believe in the power of AI-based personalization to match individuals to financial advice and investments is necessary to driving wealth goals

OUR VALUES:

• Shared Understanding through Listening and Speaking the Truth. We communicate with radical candor, precision, and compassion to create a shared understanding. We challenge, but once a decision is made, commit fully. We listen attentively, speak candidly.
• Teamwork for Team Win. We believe in win together, learn together. We fly in formation. We cover each by other’s backs. We inspire each other with our energy and attitude.
• Make Magic for our Users. We center around the voice of the customer. With deep empathy for our clients, we create technology that transforms investor experiences.
• Grow at the Edge. We are driven by personal growth. We get out of our comfort zone and keep egos aside to find our genius zones. We strive to be the best we can possibly be. No excuses.
• Innovate with Creative Solutions. We believe that disruptive innovation begins with curiosity and creativity. We challenge the status quo and problem solve to find new answers.

WHAT YOU'LL BE DOING:

As part of TIFIN’s technology division, you will Automation QA role, ensure your dedication towards commitment to quality and attention to detail is the single most important aspect of this job role. This position requires you to be a dynamic individual who can not only manage a team of skilled automation engineers but also work as an individual contributor within the same team.

• Deliver all releases on time while ensuring high levels of automation coverage
• Work with QA Team to understand the product requirements and be able to provide automation testing estimates.
• Utilise experience (technical, functional) to create automation test strategies and execution plans to be able to deliver releases as per business needs.
• Create and execute automation test plans to allow for in-sprint automation.
• Review automation test artifacts created by team members.
• Work with development in an agile delivery methodology to capture defects early in the lifecycle by regular execution of regression automation suit.
• Work with automation engineers to get best ROI by identifying automation candidates.

Skills required

• 5+ years of experience in automation testing
• Must have 1+ years of experience working with test frameworks including Selenium and/or Cypress.
• Hands on expertise in various automation framework (bdd, data driven, keyword, hybrid).
• Must be capable of understanding test requirements, planning and creating test suites.
• Strong hold on programming/scripting language (Java/Python/JavaScript)
• Experience in services/API testing and automation (Jmeter/Any tool)
• Good exposure to SQL and Unix
• Proven experience working within an Agile framework
• Strong analytical and troubleshooting skills
• Solid experience on Test management and Version control softwares (Jira/Git/Bitbucket/Any other)
• Excellent communication (verbal and written) skills.

• WHO ARE YOU:
• Experience with Mobile automation using Appium or similar tools.
• Exposure to Continuous Integration & Continuous Deployment.
• Strong team and task management skills
• Exposure in Performance and Security testing

Job Location : Mumbai

COMPENSATION AND BENEFITS PACKAGE:

Competitive and commensurate to experience + discretionary annual bonus + ESOPs

About the Tifin Group: The Tifin group combines expertise in finance, technology, entrepreneurship and investing to start and help build a portfolio of brands and companies in areas of investments, wealth management and asset management.

TIFIN companies are centred around the user and emphasize design innovation to build operating systems. We focus on simplifying and democratizing financial science to make it more holistic and integral to users’ lives.

Industry

Requirements:

•            Bachelor’s degree in computer science, Engineering, or a related field.

•            Strong understanding of distributed data processing platforms like Databricks and BigQuery.

•            Proficiency in Python, PySpark, and SQL programming languages.

•            Experience with performance optimization for large datasets.

•            Strong debugging and problem-solving skills.

•            Fundamental knowledge of cloud services, preferably Azure or GCP.

•            Excellent communication and teamwork skills.

Nice to Have:

•            Experience in data migration projects.

•            Understanding of technologies like Delta Lake/warehouse.

• Overall Synopsis (Skills to focus) 
• Brush up your skills in Photoshop & Illustrator
• Illustrator tools - Pen tool, Gradient, Pathfinder, Blending modes, type on a path, rotate and reflect, mesh tool, selection tool, etc.
• Photoshop tools – change the color of the background, remove a selection, pen tool etc. 
• Make sure to revise to recreate curves, and nodes smoothly while doing vectorization.
• Try making some logo designs, and work on the curves & texture.

This is FULL TIME WFH NIGHT SHIFT role.

The role is fully Remote but the client is conducting Drive interview at Hyderabad on 7-8 Sep

If interested kindly share your updated cv at 82008 31681

Job Purpose

• Responsible for managing and driving a team of Virtual Relationship Managers (VRM) handling

portfolio of eligible Imperia & Preferred customers in order to achieve the targets set and that all

guidelines and regulatory requirements are followed.

• Ensuring that customers get world-class services and their needs are understood and met through

financial products that the Bank has to offer.

• Consistently meet portfolio objectives defined Viz. sales, income, group product holding etc.

• Ensure adherence to Operations process aimed at zero defect transaction processing & meeting the

Audit & Compliance guidelines.

• Responsible for managing, training and motivating staff.

• All of the above parameters consistently met by the team of VRMs.

• Income generation through a right blend of enhancement of CASA balance and through cross sell of appropriate products. So that the VRM becomes the top of the mind recall amongst the customers in the catchment for all their financial needs and services, thereby ensuring that the VRMs also achieves the key performance parameters set

Job Responsibilities(JR) : 6 – 8 Areas

Business Achievement and Development for VRM & Team

• Ensure proper scoping is done and target / niche customers identified with ACTIVE collaboration from concerned Product/Sales Support Teams

• Ensure that the targets on liability accounts, through the channel (Branch and direct sales), are met under all parameters specified.

o Meet value target for Liability Balances of the customers

o Ensure quality of sourcing is maintained and depletion rates are controlled.

o Ensure that Salary credits reach or exceed the expect Salary Credit targets

• Ensure that all managed portfolios are effectively managed through VRMs and that set targets on each of the portfolios is reached.

• Also, Team Manager has to ensure seamless servicing of customers.

• VRMs are made aware of the Scorecard targets & Portfolio Benchmark.

• Ensure that the High Net worth individuals are persuaded to avail the private banking products and services (advisory, etc.)

• Ensure that there is cross sell to the customer on asset products as offered by the Bank.

• Ensure that the customers get credit cards and start using the same for all their transactions- credit card activation push.

• Income to be generated at a customer level.

• Ensure that cross sell targets on Third Party Products is met for the Unit

• Ensure Staff are trained on product knowledge and requisite certifications

• Engaging with bottom 20% performers and identifying ares of improvement and demonstrating the How.

• Review Daily Sales Report of the staff and provide guidance on ways to improve on the same

• Managing and monitoring performance of all the sales resources

o Productivity of Liability and Non Liability sales staff

• Attrition control of customers

o Includes persuading the customer to continue and if required renew FD’s

§ Monitor large amount movements / account closure from the deposit accounts and ensure that customer does not attrite

o Ensure that the marketing analytics list on possible attrite, is called and retained

• Ensure that there is no revenue leakage

Customer Service / Customer engagement

• Plan monthly/ weekly/ daily contacts for the team of VRMs basis the contact policy & track implementation

of the interaction plan.

• Effective planning & implementation of event based trigger, birthday calls, campaign calls and other defined

objectives for customer contacts.

• Ensure that VRMs offers highest quality of service to the customers and meets expected Service Quality standard by educating the customers to use the Digital Banking mediums for their banking transactions /

needs. This is measured iva call evaluations and Sup

Reviews

• To review contact attempts versus successful contacts and analyze reasons for non-contactable customers.

• Ensure VRMs make regular contact with customers for service as well as business updates.

• Adequate logging of complaints, Reviewing & Resolving all complaints received (VRM, self, branch, other units) within the stipulated TAT

o Monitor all complaints received and ensure that they are closed within TAT

o Improve customer communication on closures

o Check with customers if the process of complaint has been managed well

o Ensure no escalations happen

o Preventive complaint management

o Asking for feedback from customers, who are not complaining

o Discussing with staff the importance of getting feedback from customers on a regular basis

• Periodic review of customer base i.e. Contactibility,

Eligibility, Product penetration & profitability. Take appropriate action to activate every customer / improve

the product penetration & profitability of the customer to become a Primary Banker for the customer.

• Carry out VoC to assess strengths and to ascertain possible improvement areas of the VRMs basis customer feedback. Take appropriate action- reward the VRM for appreciations/ corrective actions as required.

• Monitoring implementation of Sales Process.

Business Generation / Sales Tracking

• Track business generation and income for each VRM in the team on a daily basis, and take due steps.

• Review leads generated by each VRM and ensure real time lead status availability.

• Ensure VRMs actively track their leads, keep customer regularly updated on the lead status & complete the lead closure within a reasonable timeline, basis product.

• Tracking and highlighting possible customer issues on account of improper lead management.

Supervisory Reviews frequency to assess effectiveness of customer interactions by the VRM.

• Check profiling done by the VRM to ascertain effectiveness.

• Basis interaction logs captured by the VRM & discussions with the VRM, provide directional inputs on customer interactions & business generation.

• Demonstrate “how”.

• 220 Sup Reviews per month

Operations

• Conduct internal checks on a regular basis & share a feedback with VRMs on time to time.

o Lead file maintained by VRMs

o Requests captured by VRMs

o CRM Interaction

• Ensure seamless handling of operations areas such as customer requests, transactions, reversals etc.

• Handling queries of VRMs on floor and provide resolution.

• Ensure timely responses to customers through call out/ e-mail as applicable.

• Handle 1st level escalations and ensure satisfactory resolution to the grievances.

• Ensure judicious utilization of financial and non- financial authority.

• Carry out periodic checks to ensure team adheres to Audit & Compliance guidelines.

Audit and Service Quality

• Ensure all laid down system and process are followed as stipulated by Audit and Senior Management

• Monthly / Periodic Verification of Auditable items.

• Review of CRM Interactions & Lead Quality

 MIS - Reporting and Analysis :

• Ensure timely and accurate updates of all portfolio

performance parameters.

• Maintain track of VRM performance w.r.t leads, conversions, income, achievement of portfolio parameters etc.

 Staff Management

• Ensure that all VRMs are adequately trained on the

Products of the bank and sales process

• Ensure that all VRMs are trained on the process to be followed (including amendment with new circulars)

• Be aware and make VRMs aware of various policies of the bank with regard to customer service and compliance

• Monitor productivity and give guidance on improving the same in conjunction with the Line Manager / Unit Head.

• Ensure that all VRMs are sent for class room training on a regular basis

• Ensure that nominated VRMs attend training sessions conducted by HR, without fail.

Responsibilities:

·       Collaborate with the marketing team to create engaging and relevant email content that aligns with the company's brand and marketing objectives.

·       Assist in the end-to-end execution of email campaigns, including building and testing email templates, managing distribution lists, and scheduling sends.

·       Help in segmenting the email database based on audience preferences, demographics, and behavior to deliver targeted and personalized messages.

·       Conduct A/B tests on subject lines, content, and design elements to optimize email performance and enhance open and click-through rates.

·       Analyze email campaign metrics and provide insights to improve future campaigns, focusing on key performance indicators (KPIs) such as conversion rates and ROI.

·       Ensure the accuracy and hygiene of the email database, performing regular data cleansing and list segmentation.

·       Stay updated with email marketing best practices and ensure compliance with relevant email regulations and data protection laws.

·       Support implementing and maintaining email automation workflows, nurturing leads, and enhancing customer engagement.

·       Coordinate with cross-functional teams, including design and content teams, to ensure seamless execution of email campaigns.

·       Prepare regular reports on email campaign performance and present findings to the marketing team, identifying areas for improvement.

Requirements:

·       Bachelor's degree in Marketing, Communications, or a related field.

·       2 years of experience in email marketing or related digital marketing roles.

·       Strong understanding of email marketing principles, best practices, and industry trends.

·       Familiarity with email marketing platforms and tools (e.g., Mailchimp, HubSpot, etc.).

·       Proficiency in analyzing email metrics and interpreting data to drive actionable insights.

·       Excellent written and verbal communication skills with a keen eye for detail.

·       Basic HTML and CSS knowledge for email template customization is a plus.

·       Ability to manage multiple tasks and meet deadlines in a fast-paced environment.

Our client DDB Mudra Group are one of India’s largest marketing communications networks. The Group’s promise ‘Unexpected Works’ comes alive in our partnerships with some of the world’s fastest-growing companies and most admired brands including Johnson & Johnson, Volkswagen, Pepsico, McDonald’s, TTK Prestige, Diageo, Unilever, Royal Enfield, Titan, Meesho, and Infosys. Our agencies include DDB Mudra, 22feet Tribal Worldwide, Mudramax, Interbrand, Track and TracyLocke.  

Our work has shone at many prestigious forums.  

• APAC Agency of the Year at Spikes Asia 2022 with consecutive Grand Prix wins in the last three years. 
• Asia's #1 creative agency by WARC Rankings 2021. 
• India’s Agency of the Year and #5 in Asia according to Campaign Brief’s ‘The Work 2021’. 
• 2 at Kyoorius 2021. 
• One of the only two Indian agencies to bring home a Cannes Gold in 2021. 

One of the Top 20 most effective and creative agencies in the world by Effie Index 2020Our unwavering commitment to diversity and inclusion as one of the company’s key pillars for growth is seen through marquee initiatives like ‘The Phyllis India Project’ which creates a community of women leaders, and ‘Open Pride’ that fosters an inclusive and engaging work environment for the LGBTQIA+ community & allies. The Group was awarded Silver at IWEI’s Top Employers 2020 for the LGBT+ community. We are also four-time Gold winners of the Talent Development Program of the Year at the Campaign South Asia Agency of the Year Awards. 
http://ddbmudragroup.com/" target="_blank">http://ddbmudragroup.com/ 

Key responsibilities & Deliverables:

 
Candidates with extensive Drupal experience please apply!

• Deeper understanding and working experience in Drupal, WordPress, Laravel or CodeIgniter & NodeJS (Express JS).
• Analyze, design, code, debug, test, document & deploy applications
• Experienced in OOP and knowledge of design patterns
• Creating, using implementing and modifying Drupal/WordPress themes.
• Customize and tweak core, forms, modules and themes in Drupal/WordPress.
• Managing deployments of PHP and NodeJS projects with one or multiple developers across environments
• Hands-on experience in PHP, JavaScript, jQuery, SQL, Drupal, WordPress, Laravel or CodeIgniter, NodeJS (Express JS), MySQL, MongoDB.
• Exposure Experiences in application integration and web services technologies (REST, SOAP, XML, etc.) WebAPI
• Responsible and Reliable developer working against strict timelines and meeting on-time delivery goals.
• Deploying applications in AWS or GCP or Azure
• Must be a self-starter & be able to work with minimum supervision
• Should have capacity to solve complex business problems

Essential skills:

• Seeking 2+ years experienced PHP/NodeJS developer for long term employment.
• Must have, 2+ years’ experience working under Drupal, WordPress, Laravel or CodeIgniter, NodeJS (Express JS).
• Expertise in Drupal, WordPress, Laravel or CodeIgniter, NodeJS (Express JS), MySQL, Rest APIs and MongoDB.
• Good knowledge of Ajax, jQuery, HTML, Javascript, and CSS.
• Familiarity with source control systems such as Subversion, etc.
  Knowledge of Object-oriented concepts.
• Good to know about deploying applications in AWS or GCP or Azure
• Knowledge of REST/SOAP Web services.
• Knowledge of AngularJS or React JS is a big plus.
• Good to have certification under any CMS or Framework.
• Proficient in the maintenance and administration of applications.
• Experience integrating open source and third-party applications into existing applications.
• Results-oriented, reliable, and able to work under pressure.
• Ability to communicate technical ideas to business users and other teams.
• Ability to both collaborate with team members and work independently.
• Eager to embrace current and emerging web technologies

Regards,
Namrata Shukla.

We are looking for passionate, talented and super-smart engineers to join our product development team. If you are someone who innovates, loves solving hard problems, and enjoys end-to-end product development, then this job is for you! You will be working with some of the best developers in the industry in a self-organising, agile environment where talent is valued over job title or years of experience.

Responsibilities:

• You will be involved in end-to-end development of VIMANA technology, adhering to our development practices and expected quality standards.
• You will be part of a highly collaborative Agile team which passionately follows SAFe Agile practices, including pair-programming, PR reviews, TDD, and Continuous Integration/Delivery (CI/CD).
• You will be working with cutting-edge technologies and tools for stream processing using Java, NodeJS and Python, using frameworks like Spring, RxJS etc.
• You will be leveraging big data technologies like Kafka, Elasticsearch and Spark, processing more than 10 Billion events per day to build a maintainable system at scale.
• You will be building Domain Driven APIs as part of a micro-service architecture.
• You will be part of a DevOps culture where you will get to work with production systems, including operations, deployment, and maintenance.
• You will have an opportunity to continuously grow and build your capabilities, learning new technologies, languages, and platforms.

Requirements:

• Undergraduate degree in Computer Science or a related field, or equivalent practical experience.
• 2 to 5 years of product development experience.
• Experience building applications using Java, NodeJS, or Python.
• Deep knowledge in Object-Oriented Design Principles, Data Structures, Dependency Management, and Algorithms.
• Working knowledge of message queuing, stream processing, and highly scalable Big Data technologies.

• Experience in working with Agile software methodologies (XP, Scrum, Kanban), TDD and Continuous Integration (CI/CD).
• Experience using no-SQL databases like MongoDB or Elasticsearch.
• Prior experience with container orchestrators like Kubernetes is a plus.

• We recognize that our dedicated team members make us successful and we offer competitive salaries.
• We are a workplace that values work-life balance, provides flexible working hours, and full time remote work options.
• You will be part of a team that is highly motivated to learn and work on cutting edge technologies, tools, and development practices.
• Bon Appetit! Enjoy catered breakfasts, lunches and free snacks!

What you need to have: