Business Development Associate

Job Purpose

• Deliver on significant portfolio indicators and maximise resolution/ roll backs/ normalization / recoveries and influence reduction in bucket inventory by enhancing performance.

• Be the executor of collection strategies implemented by the ACLM/RCLM/Centre Head.

• To ensure that all laid down processes are adhered to without any deviations. Have checks and balances to ensure smooth process adherence.

Liaison with other functions and departments viz. sales , credit, operations , RIC, Legal Receivables Management

Job Responsibilities(JR) :

• Manage and deliver monthly performance in terms of, resolution, roll backs, recovery rates/ values as per the target set for the assigned portfolio.

• Review field follow-up for the portfolio managed towards achievement of target set.

• Monitor the agency / field executive’s performances periodically.

• Achieve the money collection under principal, fees & charges as per targets.

• Regular visit to yard and reporting thediscrepancies / compliant items as a visitreport. (Applicable for Auto, Two Wheeler,

Agri & CTG Loans)

• Ensuring timely allocation and field follow- up.

• Effectively address disputes, expired etc cases to prevent any probable escalation and highlight sensitive accounts to Area Collection Managers to prevent the same.

• Ensure trails updates are recorded in web- collections for follow-up on skip marking,deceased specifically apart from follow-up on normal portfolio.

• Ensure that the agency resources are optimally used wrt the number of visits, contacts, PTP conversion ratio etc.

• Ensure that calls are made on the portfolio thru recorded lines during the month at the agency level and field visit updates are available in the web-collections. Call recordings have to be validated and updated in the visit report submitted to the agency process Management

• All Banks process to be adhered to in totality in Unit performance

• Cash deposit process including monitoring TAT taken by agencies to deposit money collected.

• Receipt Management – including receipt recon, sighting of unused receipts, completion of lost receipt formalities.

• Settlement process involving issue of settlementletters to be in line with approvals received.

• Manage escalations and ensure resolution of all cases.

• Ensure repo process including repo kit to vendors, usage of repo app at agency level, valuation, sale of vehicle (online/ off line), RC

book updation are managed as per the laid down guideline.

• Training programs to be done monthly and all employees to be covered for minimum man hours every quarter.

• All vendor bills are processed within 30 days of work and no vendor bill is left unprocessed for 60 days at any given point of time

• Ensure 100% usage of collection system and receipt mobility (HHT).

• Ensure nil delay in cash TAT and mis-posting of payments Vendor Management

• Management of field/ referral vendors

• Ensure compliance from the vendors on laid down processes.

• Monitor performance of field agencies and address performance deficiencies.

• Ensure 100% compliance of critical items like DRA certification/ police verification etc.

• Code of conduct to be followed by the vendor across aspects of field and tele calling.

• In case of yard management, ensure set targets for the inventory movement in yard and sale process are met.

Regular review of vendors/yards basis their performance, man power invested productivity expectations and process norms.

Relationships and Roles

To ensure smooth functioning of day to day process, the position is critical to have close interaction with following functions

INTERNAL

• Sales (Sales Manager) : coordinating with sales for feedback and resolutions on Non-starters / frauds. Sharing data regarding negative profiles and areas basis portfolio trends

• Local Operations/CPU : coordinating for regular schedule uploads, receipt management, PDC management , PDC presentation. For retrieval of relevant documents for skip tracing and fraud cases

• Process team (Process Managers and Central team): For process and compliance related items EXTERNAL

• Collection Agencies : For delivery of numbers and compliance to process and regulatory requirement

Code Of Conduct & HR Trainings

To follow code of conduct guidelines of bank. Code of conduct training to be done at agency level as per process guidelines.

To nominate and get mandatory trainings done for self as per HR training schedules.

Legal

• Initiating legal in high POS delinquent cases.

• Coordination with legal team for effective use and execution of legal tools.

Educational Qualifications

Graduate / Post Graduate / MBA

Key Skills

• Should possess good communication skills

• Good leadership quality and molding and supporting the team for desired results as per management expectations(for \agencies/off-rolls staff)

• Should be able to handle deadlines and compliance items

• Should be good on follow up and accomplishment of targeted achievements

Experience Required

Sufficient hands on work experience of min. 2 years and above in financial industry

• Should have managed a team of agencies staff/outsourced staff demonstrating high level of competence.

• Should be mature enough to handle customer and agency xecutives/vendors pressurized situations and ensure targets /deadlines

• Should be mature enough to handle people in pressurized situations and ensure targets /deadlines met.

Major Stakeholders

Customers

• Branch Banking Team

• Operations / Sales / Process / RIC / Legal

Job Description: The ideal candidate for this role is that you are a proven sales performer adept in direct-toconsumer consultative sales. You are comfortable working with high ticket size products that require focussed nurturing over a period and yet can build urgency for the end consumer to decide fast. You have worked in a highly competitive sales environment and have been at the top 10 percentile of your team. What will you be doing?

●Being a mentor and guide, who potential learners can look up to for career advice.

● Counselling potential learners, helping them plan their career path and understanding how upGrad can catalyse their career.

●Carrying weekly enrolment/revenue and collection targets.

●Establishing the uniqueness and effectiveness of upGrad's model of online/blended learning.

● Owning the complete sales closing life cycle for leads assigned to you. This includes making phone/video calls, product demonstration, sales closing and post-sales relationship management.

● Maintaining a detailed database of all the interactions on the CRM with the leads and providing constant feedback to the marketing team on lead quality. What are we looking for?

● Individual with outstanding English communication skills (written and verbal), interpersonal and presentation skills. ● Hardworking Individuals with high dedication and extreme determination.∙ Experience in EdTech sales would be an advantage.

●Rockstar sales performers with proven track records.

● Great listeners and trustworthy individuals who can bond with our potential learners. Individuals with the ability to approach any situation with patience and powerful empathy.

● Individuals who take a disciplined approach towards building funnels, tracking feedback, prioritising tasks and overachieving targets and deadlines.

● Sales bent of mind, to understand and effectively communicate what upGrad is offering to its prospective learners and achieve revenue targets.

●Passion for always delivering the highest levels of customer service.

●Basic proficiency in MS Office Suite is required.

What are your deliverables / KPI's?

●Minimum of 100+ Dials every day with 40+ Connects.

●2 hours of talk time on an average per day & 1 Video Session

●2 enrolled students per week.

●Weekly revenue targets to be met consistently. 

Note:

• Should have hands-on core knowledge of Java.
• Must have min 3-5 years of experience.

Kindly do not apply otherwise.

Candidates must also fill out this form to start their processes. -> https://forms.gle/mBUAdg2NfrL6DF479

Looking for 5+ years of experienced Java developers to work on a new-age lending finance company based in Pune. We empower established banks with the lending ecosystem of the future. Backed by HDFC, we are on a mission to grow our current transactional amount of 13 Bn+ to tenfolds in the near future.

Our tech stack is one of the most exciting and ahead of its times where we would be expecting you to get your hands practical on these things.

- Ability to communicate effectively verbally and in writing.

- Mentoring junior developers with code reviews design reviews and unit tests.

- Code Versioning (Git, Bitbucket)

- Java

• Collections

• Multi-threading, Background Scheduling

• Design & Architecture patterns

• Springboot, MVC, API-first philosophy

• Understanding fundamental design principles behind a scalable application

• Work with database versioning concepts using Java.

- Api Gateways - APiCurio, Kong, Open API Concept

- Redis, Kafka, ElasticSearch

- DB - PSQL, Aurora, MongoDB

- Deployment - basic understanding of Docker, Kubernetes, Terraform AWS

- Alerting & Monitoring - grafana, elasticsearch, kibana, fluentd, prometheus

Although the full list of the tech stack is very vast, and we've multiple developers for each part of the stack, we would expect any senior role to understand the basics of other services end of the day, but be fluent in Core Java.

Responsibilities:

* Creating and executing a strong performance marketing strategy & execution plan

* Developing and managing digital prospecting and remarketing campaigns

* Managing budgets and campaigns across all digital channels to drive strong return on investment and efficient CAC while maintaining scale.

* Ensuring successful planning, execution, optimization for key traffic KPIs via paid, organic & own media channels

* Identifying and testing new channels to continue to meet or exceed established critical metrics

* Working closely with the performance agency to share funnel conversion improvement ideas, feedback & present results.

Key Requirements:

* Prior experience in a similar role as well as experience building effective multi-channel marketing strategies, including affiliate marketing, PPC, SEO, social media and other digital channels

* Expertise in campaign and channel analysis and reporting, including Google Analytics experience

* Candidate must possess excellent analytical skills and leverage data, metric, analytics and consumer behavior trends to drive actionable insights & recommendations

* Curious and a strong problem solver.

• 3 - 6 Years of Experience in Product Development - Experience in Java (8 or 11+), Spring (4+), Spring Boot (2.4+) is a must.
• Understands requirements well and comes up with an efficient design
• Develops complex, well-backed and bug-free products.
• Estimates accurately.
• Takes well-reasoned tech decisions keeping in mind goals and trade-offs
• Become a go-to person in more than one area.
• Provide technical mentoring to team
• Communicates clearly, gets clarifications, and establishes expectations for all parties
• Helps establish SDLC best practices and high standards of code quality
• Demonstrates excellent problem solving & debugging skills
• Proactively identifies and resolves issues in requirements, design, and code

Ideal Candidate Profile :

• Solid experience in Java, Spring Boot, hibernate is a must.
• Solid experience in Java Multithreading, Streams, and Lambda Functions is a must.
• Solid understanding of Apache Products.
• Should have experience in cloud computing (AWS is desired).
• Has an ability to quickly learn and contribute in multiple codebases
• Overcomes roadblocks and requires minimal oversight
• Takes initiatives to fix issues/tech debts before assigned to him/her
• Able to deep dive into the codebase and advise QA of possible regression impact
• Communicates tech decisions through design docs and tech talks
• Has delivered projects with end-to-end accountability
• Keeps track of industry trends and introduces the right tech/tools for a given job
• Excellent understanding of software engineering practices, design patterns, data structures, algorithms
• Experience in product driven organization

• Develop and execute engineering strategy (including technology architecture, development stack, scalability, security etc.) of all our SaaS solutions while keeping in mind needs of business as usual and evolving product feature requirements
• Lead the engineering team and ensure good delivery management to deliver the product roadmap with high speed and quality
• Innovation – explore available technologies that may be useful to our context and run experiments and POCs to evaluate before adoption
• Bring automation and best practices to code management, testing and build & deployment processes
• Solve the most complex issues/initiatives through hands-on development
• Help the team members in resolving difficult technical issues
• Be a champion of engineering excellence: establish team metrics for measurement of engineering and operational excellence. Implement a consistent, regular process for assessment and improvement
• Provide thought-leadership to fellow team members by working as a guide and mentor to the rest of the team members

• Best in Industry Remuneration
• Attractive ESOP opportunity with huge potential upside
• Cutting edge technologies with always something new happening
• Start-up culture with full ownership and freedom
• Fully flexible hours and work from anywhere
• Super-fun work environment and colleague

• Microservices, Spring Boot, Core Java, Struts 2.0, JPA & Hibernate
• Hands-On experience in relational databases (MySQL Preferred)
• Experience in Data warehousing & Analytics
• Hands-on exposure in mobile application developmen

Qualifications

• B.E. / B.Tech from Tier 1 Institute

Responsible for the efforts and results of the financial department.  Reporting to the Chief FO with regards to all financial and accounting activities overseeing financial department staff in day-to-day operations.  Liaising with operations with respect to financial transactions performed by non-financial staff.

Financial control is concerned with ensuring that recorded data is accurate, on time, and within the rules set by the Company.  The Financial Controller is also in charge of Policies and Procedures to ensure the right transactions are made by the appropriate employees and that appropriate authorizations are obtained according to policies agreed from time to time.

MiC benefits from the fact that it doesn’t have a large number of legacy systems; we suffer from the fact a lot of our systems are manual and spreadsheet-based however, we see this as an enormous opportunity to implement an ERP with high levels of automation.

Responsibilities

• Create monthly and annual reports to identify results, trends, and financial forecasts
• Manage cash flow by tracking transactions and regularly reviewing internal reports.
• Supervise and manage financial department staff including accountants, bookkeepers, and financial assistants
• Collaborate with HR to define roles and performance monitoring frameworks.  Regularly review the performance of team members in line with performance monitoring frameworks.
• Assist HR in defining recruitment needs and assessment of candidates.  Once these have been identified.
• Suggest updates and improvements for accounting systems including payroll and invoicing
• Overseeing and managing the company secretarial function ensuring the appropriate filings and reports are completed in each Country that MiC operates within.
• Implement, design, and maintain controls for managing financial transactions within the wider organization to ensure compliance with regulations and audit requirements.
• Be sure that all financial transactions are properly recorded, filed, and reported
• Establish and implement financial reporting systems to comply with government regulations and legislation in all of the territories and countries that MiC operates in.
• Collaborate with auditing services to ensure proper compliance with all regulations
• Develop budgets and financial plans for the Company based on data gathered from the constituent parts of MiC, external research for the markets within which MIC operates, and analysis of past trends.
• Review all financial plans and budgets regularly and identify variances with reported financial performance.
• Create systems to prevent errors in data collection and calculations
• Report to the CFO with timely and accurate financial information
• Assist the CFO in presenting reports to senior executives, investors, and Board Members
• Responsible for the timely and accurate financial close process ensuring that all required reconciliations and analysis are concluded comprehensively during the close process.

You'll also get a chance to be part of:

🌍 Global team expansion: Building up a world-class team of talented and passionate people.

• Bachelor’s Degree or Masters Degree in Accounting, Business, Economics or related field
• Several years of experience in business or finance environment; management experience; leadership skills; interpersonal skills; outstanding mathematical skills; honesty; integrity; reliability; solid written and verbal communication skills; high attention to detail; organization skills; critical thinking and problem-solving skills; research skills; analytical skills; computer skills; understanding of data privacy standards.
• Certified public accountant or equivalent qualification
• Self-starter, ability to identify issues, hold self and others accountable to achieve goals and resolve problems;
• Internationalis view with good command of written and spoken English;
• Strong technical ability – in-depth knowledge of relevant financial reporting standards;
• Good communicator – ability to analyze trends and communicate these to CFO and wider management team in a concise and meaningful manner
• Organized – with an ability to manage multiple tasks and competing priorities
• Commercially minded – able to understand the wider business context working collaboratively across departments to add value through financial analysis and insight.

Bonus points:

• Experience with Insurance-related industry
• Having implemented a multinational ERP system including design, implementation, and deployment.

• 24 days holiday + 3 National holidays.
• Share Option Scheme
• Excellent compensation plan, well above the market average
• You will be working for a Company that has talented colleagues and has a passionately focused culture
• Extensive possibility for growth and professional development

• Experience working on Linux based infrastructure
• Strong hands-on knowledge of setting up production, staging, and dev environments on AWS/GCP/Azure
• Strong hands-on knowledge of technologies like Terraform, Docker, Kubernetes
• Strong understanding of continuous testing environments such as Travis-CI, CircleCI, Jenkins, etc.
• Configuration and managing databases such as MySQL, Mongo
• Excellent troubleshooting
• Working knowledge of various tools, open-source technologies, and cloud services
• Awareness of critical concepts in DevOps and Agile principles

• You will be proficient in Agile methodologies of Software Development especially SCRUM.
• You will be able to successfully maintain discipline as informed by your seniors.
• You will regularly attend stand-ups and project discussions.
• You will be proficient in full stack dot net development especially web technologies.
• You will have an intermediate level skill set in web development using .net technology.
• You will have a fair understanding of the testing cycle to improve the quality of the software being developed.
• You will assist in writing software requirements documentation.
• You will assist your seniors in doing business analysis on live projects.
• You will assist in doing software testing as and when required.
• You will attend regular training sessions conducted by your seniors.
• You will strive towards writing better code which is more efficient and is also maintainable. 
• You will be proficient in team communication via the official channels such as email, project tracking tools, slack etc.