Business Development Executive

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

About Us:

At Team Pumpkin, we thrive on creativity and innovation, delivering captivating content that resonates and engages. We’re on the lookout for a talented Social Media Content Creator who lives for the thrill of creating scroll-stopping content and wants to make an impact on our dynamic team.

What You’ll Do:

• Create Magic: Conceptualize and produce compelling reels for Instagram and other social media platforms.
• Trend Detective: Stay ahead of the curve by identifying and capitalizing on the latest social media trends.
• Team Player: Collaborate with our creative team to ensure every reel aligns with our brand and vision.
• Analyze and Optimize: Utilize analytics to assess performance and refine content strategies for optimal results.

Who You Are:

• Creative Genius: Possess exceptional storytelling skills and a keen eye for detail.
• Social Media Enthusiast: Expert in navigating Instagram and understanding its algorithms and trends.
• Quick Thinker: Adaptable and capable of managing multiple projects in a fast-paced environment.
• Innovative: Eager to experiment with new content formats and styles to keep our audience engaged.

We look forward to seeing how you can make magic with us!

Preparing Business Case for new projects in alignment with BU Head and Business

Solutioning Team.

 Developing the commercial strategy and the commercial direction of projects

 Monitoring the progress of projects

 Review use cases and other technical documents to ensure business requirements are

adequately reflected in planning documents.

 Develop MIS aligned to critical performance metrics identified.

 Oversee the AOP exercise of the Region/ BU and monitor actual vs. AOP

 Works closely within the unit and with business partners to identify and maximize

opportunities and to improve products and services.

 Assist Regional Head in developing tactical and strategic products, services and/or

programs to support the region’s goals.

Experience & attributes

 5-7 years’ experience in business analysis and project management with multinational

corporations or Big 4 accounting firms. Experience in Market Intelligence, Competitive

and Corporate Intelligence preferred.

 Prior experience in telecom sector most preferred.

 Strong Financial modelling skills with ability to analyse and assess the financial viability

of long-term projects using financial metrics.

 Possess excellent problem-solving abilities, ability to develop and analysis business

plans.

 Knowledge and understanding of project management principles, practices, process and

techniques including the ability to gather clear business requirements.

 Proven experience working with MS Office suite and developing and maintaining various

analyses and reporting tools.

Responsibilities

• Lead and manage a team of PHP developers, including hiring, training, coaching, and performance management.

• Work closely with project management, design, and quality assurance teams to ensure the timely delivery of high-quality software solutions.

• Collaborate with stakeholders to understand business requirements and translate them into technical specifications and project plans.

• Design and architect scalable and maintainable PHP-based web applications and systems.

• Develop and maintain high-quality code, ensuring adherence to coding standards and best practices.

• Perform code reviews and ensure code quality and stability.

• Ensure the use of appropriate development methodologies, tools, and technologies.

• Troubleshoot and resolve technical issues in a timely and effective manner.

• Manage and maintain development, staging, and production environments.

• Provide technical guidance and support to team members.

Qualifications we seek in you!

Minimum Qualifications

• Bachelor's or Master's degree in Computer Science, Information Technology, or a related field.

• At least 7 years of experience in PHP development, with at least 2 years of experience in a leadership or management role.

• Strong knowledge of PHP frameworks such as Laravel, or CodeIgniter and React.Js

Preferred Qualifications/ Skills

• Proficiency in front-end technologies such as HTML, CSS, JavaScript, and jQuery.

• Experience with databases such as MySQL, PostgreSQL, or MongoDB.

• Familiarity with development tools such as Git, Composer, and PHPUnit.

• Strong problem-solving and analytical skills, with the ability to troubleshoot technical issues and provide effective solutions.

• Excellent communication and interpersonal skills, with the ability to work effectively in a team environment.

• Experience with agile methodologies such as Scrum or Kanban.

• Experience with DevOps practices and tools such as Docker, Kubernetes, and Jenkins

Experience- 4 Years

Recruitment Lead - Someone who has handled a team of field recruiters.

Worked on blue collar requirements. 

• Meeting with clients to discuss website design and function.
• Designing and building the website front end
• Creating the Website architecture
• Designing and managing the website back end including database and server integration.
• Generating wordpress themes and plugins
• Bootstrap will add advantage.