Business Analyst -Lending

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.

About us

ProCreator is an award winning Digital Design Agency focusing on establishing an end to end product solution. Our passion for design and innovation drives us to keep learning and achieving better products. We hustle to provide the best of all worlds, be it development, design, marketing, animation or providing any business solutions for the betterment of your products and their users, by creating pleasing experiences for their users. Some of our clients we work with, WazirX, Nasscom, ITC Masterchef, Zebpay, Cholamandalam, MetaSky and many more.

Job Description

This is a remote position.

Lead UI/UX Designer

Translating bold ideas into stunning, user-centric designs

What you need to bring to the ‘table’

• Passion for Innovation: A relentless drive to create user-centric designs that set trends and exceed expectations.
• Leadership & Collaboration: Ability to lead design processes from concept to final hand-off, fostering a creative and innovative team environment.
• Client & User Engagement: Skills to understand client and user needs, translating them into exceptional products, websites, and applications.
• Design Systems Mastery: Expertise in developing and implementing comprehensive design systems and components.
• Problem-Solving: Sharp problem-solving skills to identify and address UX issues, refining the user experience through feedback and usability testing.
• Mentorship: Experience guiding and mentoring a team of UX designers, promoting a collaborative and inclusive work environment.
• Experience: At least 5 years in UI/UX design with a strong portfolio showcasing your expertise.
• Critical Thinking: Analytical skills to tackle complex design challenges and propose innovative solutions.

What you will do

• End-to-End Design Execution: Lead and execute all design stages from initial concept through wireframing, visual design, to final hand-off for development.
• Prototyping & Specifications: Create high-quality design prototypes, features, and specifications reflecting deep user insights and client needs.
• Review & Feedback: Critically review wireframes, storyboards, user flows, and visual designs to meet ProCreator standards and client expectations.
• Design Systems & Problem-Solving: Establish and maintain comprehensive design systems, proactively troubleshooting UX issues and incorporating feedback.
• Team Leadership: Mentor junior designers, fostering their growth and ensuring high-quality output across projects.

Requirements

• UX Methodologies: Proficiency in research, personas, wireframing, and prototyping.
• Design Expertise: Ability to translate user journeys into visually stunning and intuitive UI designs, with a strong understanding of UI principles.
• Design Systems: Proven experience in building and utilizing design systems, with advanced skills in Figma.
• Platform Experience: Extensive experience in designing for both web applications and mobile platforms (iOS and Android) with a strong portfolio showcasing successful projects on these platforms.
• Communication: Excellent verbal and written communication skills to articulate design decisions to clients and stakeholders effectively.
• Leadership & Mentorship: Willingness to mentor and support junior designers, fostering a culture of continuous improvement.
• Bonus Skills: Experience with motion design/prototyping tools like After Effects and ProtoPie.

Benefits

• Wealth-Building Opportunities: ESOPs, SAR programs, project referral bonuses, and profit-sharing.
• Ergonomic Workplace: Top-tier ergonomic chairs, standing desks, and comprehensive training programs.
• Health & Wellness: Health insurance up to INR 5,00,000, subsidized gym memberships, and full-body and eye check-ups.
• Professional Growth: Access to extensive learning courses, development funds, seasoned mentors, and the ProCreator Innovation Fund (PIF) up to INR 50,000.
• Flexible Work Arrangements: 24 Work From Anywhere (WFA) days per fiscal year.
• Team Retreats: Annual retreats focused on team-building.
• Supportive Culture: Wellness seminars, feedback-driven policies, and a supportive environment for emotional and intellectual growth.
• Mentorship & Leadership Development: Mentorship programs, design hackathons, and leadership initiatives.

Ready for the next chapter of your life?

Join ProCreator and be part of a team where creativity, innovation, and personal growth are at the forefront. Let’s create extraordinary digital experiences together!

• Designing and developing interactively Adapting / Responsive web applications using best practices on ReactJs and the latest front-end technologies.

• Writing tested, idiomatic, and documented JavaScript, HTML and CSS, LESS / SASS.

• Cooperating with the back-end developer in the process of building the RESTful APIs.

• Participate in complex technical and design decisions for ReactJs projects.

• Ensuring high performance of applications (on mobile and desktop) and providing support.

• Work closely with design teams, development teams and testing teams.

• Coordinate team deliverables assuring Quality and Completeness.

• Unit Testing.

Technical Skills:

• Highly Skilled with proven experience in React 16+ and its State Management tools like Redux, styling framework like Material UI.

• Proficient in CSS, LESS / SASS, Semantic HTML, and writing cross-browser compatible code.

• Extensive experience using JavaScript/ Typescript, HTML5, CSS/CSS3, LESS/SASS, Bootstrap, AJAX, JSON, Gulp, Grunt etc.

• Good Knowledge in Rest APIs/ GraphQL.

• Experience in tools such as GIT / SourceTree / Bit Bucket, JIRA, Confluence, etc.

• Should have understanding of the agile methodology

• User should have basic knowledge on tools like Figma / Adobe XD and photoshop etc.

Nice to have:

• Nice to have knowledge in Angular, NextJs.

• Nice to have knowledge in Progressive Web Application (PWA), Service Worker and Web Worker, etc.

• Best practices for Website Accessibility (WCAG)

Personal Traits:

• Strong Verbal and Written communication skills, such as meeting facilitation, presentation and documentation

• Work day-to-day with development team, QA testing team, providing expert support to each as needed and appropriate.

• Lead and Coordination experience with critical thinker and good problem-solver.

Education Qualification

• UG: B. Tech / B.E. – Computers OR PG: MCA / M. Tech

• Research and identify new business opportunities - including new markets, growth areas, trends, customers, partnerships, products and services - or new ways of reaching existing markets
• seek out the appropriate contact in an organisation
• generate leads and cold call prospective customers
• meet with customers/clients face to face or over the phone
• foster and develop relationships with customers/clients
• understand the needs of your customers and be able to respond effectively with a plan of how to meet these
• think strategically - seeing the bigger picture and setting aims and objectives in order to develop and improve the business
• have a good understanding of the businesses' products or services and be able to advise others about them
• ensure staff are on board throughout the organisation, and understand the need for change and what is required of them
• discuss promotional strategy and activities with the CEO
• seek ways of improving the way the business operates
• attend seminars, conferences and events where appropriate
• Conduct research to identify new markets and customer needs
• Arrange business meetings with prospective clients
• Build long-term relationships with new and existing customers

• We are looking for : Data engineer
• Sprak
• Scala
• Hadoop

•  4-8 years of relevant experience in designing & developing and architecting systems/software
• for large business environments (Java, J2EE).
• • Strong design and coding skills in Enterprise Java, Hibernate, Spring, Spring Boot, REST web
• services, JMS (ActiveMQ), XML, JSON.
• • Must have good experience in Unix/Oracle/SQL.
• • Experience in any communication framework (MQ) is an added advantage.
• • Experience in Agile Development, Scrum, and Iterative approaches
• • Participate in requirement gathering JAD sessions and support documentation

• AWS Cloud, CICD, Serverless setups, Monitoring Setup
• Performance setup, scalability in hands experience, Linux expertise, DevOps Operations

• AWS Cloud, CICD, Serverless setups, Monitoring Setup, Performance setup, scalability in hands experience, Linux expertise, DevOps Operations.