Customer Support executive

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

Who we are:

At Qiro, we are a dynamic team united by a mission to foster a fair, transparent, and decentralized global lending market. Our focus lies in developing an institutional private credit protocol that seamlessly connects on-chain stablecoin lenders with off-chain fintech borrowers.

What are we looking for:

We are seeking a highly skilled and experienced Head of Credit to lead our credit department and drive our lending strategies. As the Head of Credit, you will be responsible for overseeing all aspects of credit underwriting, risk management, credit policy, ensuring that our lending practices align with regulatory requirements and industry best practices while maximizing profitability. The borrowers are NBFIs / NBFCs / Fintech lenders / Debt Funds spread across emerging economies like SEA, LATAM, etc.

Responsibilities:

• Head the Risk Policy, Credit Underwriting and Collection functions of NBFC / NBFI / Fintech lender / Debt fund from SEA, LATAM, etc.
• Facilitate the development and constant update of risk policies and related frameworks.
• Proactive risk assessment of existing portfolio on regular basis identifying weak accounts.
• Constantly monitor and evaluate Early Warning Signals and deploy/ amend the limits structure for managing the risk concentration across a broad range of parameters.
• Evaluating creditworthiness and financial stability of global borrowers such as NBFC / NBFI / Fintech Lenders / Debt Funds.
• Assessing risks in lending and making informed decisions.
• Maintaining up-to-date knowledge of lending regulations.
• Provide detailed monthly and weekly reporting for LPs, investors, and management.
• Build, review, update and maintain the Credit Policy.

Requirements:

• Minimum 7 years of experience in the Banking/NBFC/Fintech space with at least 3-4 years of experience at management level.
• Minimum Bachelor’s degree in finance, economics, or related field.
• Experience in credit analysis or underwriting of NBFCs / Fintech lenders / FIs
• Strong analytical and decision-making skills.
• Excellent communication and interpersonal abilities especially to manage global (mostly SEA & LATAM) FIs (NBFC / NBFI / Fintech Lender / Debt Fund)
• In depth knowledge of credit fund, hedge fund, debt fund, structured debt, corporate finance, and fintech lending. 
• Strong understanding of regulatory requirements and compliance issues related to lending operations.
• Exceptional skills in understanding data, trend analysis, score cards and behavior scores is must

Nice to have:

• Excellent communication skills along with strong presentation and data analytics skills.
• Professional certifications such as CA, CFA, FRM, or similar credentials are a plus. 



Benefits:

• Global exposure 
• Intro to Decentralised Finance world
• Competitive salary and performance-based bonuses.
• Flexible remote work.
• Flexible working hours.
• Opportunities for professional development and career growth within a dynamic global fintech company.

Salary Range : 20 LPA to 35 LPA

Job Description:-

 Fresh Tele-Calling / Counseling students and providing information over the phone or by appointment at the office, regarding the suitable programs.

 Explain to students that which area belong and suggest a suitable course to them.

 Responsible for inbound & outbound calls for any educational inquiries of potential admissions.

Job location- Thane (Mumbai)

Shift time - 10.00 AM to 07.00 PM

NOTE- Only female candidates are eligible

• Minimum 2+ years of experience in React Native/ React development
• Familiarity with AWS solutions like Amplify , Cognito, DynamoDB will be a bonus
• Should be able to write reusable, testable, and efficient code. Should be able to design and implement low-latency, high-availability, and high-performance applications.
• Architect & design technically robust, flexible, and scalable solutions
• You must have experience in deploying Android/iOS apps previously on playstore/Appstore.
• You should be able to build pixel-perfect, amazingly smooth UIs across both mobile platforms.
• Diagnose and fix bugs and performance bottlenecks for performance that feels native
• .
• Firm grasp of the JavaScript language and its nuances, including ES6+ syntax.