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.
Shubham Vishwakarma
Full Stack Developer - Averlon
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PythonJob Title: KDB+ Developer (Q Programming)
Location: Mumbai, India
Experience: 3 to 5 Years
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Job Description
We are seeking a highly skilled KDB+ Developer with hands-on experience in Q programming language to join our dynamic team in Mumbai. As part of our organization, you will play a key role in designing, developing, and maintaining time-series databases and analytics systems for high-performance financial applications.
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HR Manager - Renowned NGO (Pune)
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Go Programming (Golang)Strong skills in Go language
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Name of the Position |
Subject Matter Expert - MATHS |
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No. Required |
2-3 |
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Gender |
Female / Male |
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Age group |
25-30 |
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Area of Residence |
Delhi-NCR, Preferably Gurgaon region |
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Qualification |
MA/MSc. ( MATHEMATICS) |
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Skills Reqd. |
1.content development for |
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Work Experience |
Min. 2 years ( Freshers can also apply) |
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Salary |
INR 25 - 30K ( subject to |
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Selection Criteria |
Objective type written test |
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Joining Time |
Immediate |
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Location of Work |
Gurgaon |
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Work Timings |
9:00 AM to 5:30 PM |
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Angular (2+)
HTML/CSS
Javascript
Bootstrap* Frontend - Angular 2.0+, Bootstrap 4, Ionic 3+
* Backend - Node, Express, Python, Mongo (DB), Firebase Suite (DB and Hosting), Heroku, Google Cloud, AWS (Infra)
You:
* Are passionate about understanding how our users think, what their problems are, and building engaging user experiences that solve those problems.
* Are an engineer with a sense of aesthetics: you have strong technical skills and can build a beautiful interface.
* Have a strong bias towards getting it done; you choose completion over perfection. You get a buzz out of getting things shipped.
* Are an excellent communicator, both written and verbal. You are clear and concise in your writing, but know when it is best to hop on a call.
* Love learning from and teaching others.
* Willing to relocate to Ahmedabad, Gujarat.
You probably have:
* Years of experience building SPAs and using a JS framework (Vue, React, Angular, etc.), but you don’t need a framework to be a JavaScript ninja.
* Deep knowledge of CSS, semantic HTML, and Git.
* Experience building from mockups using modern CSS approaches and frameworks e.g Bootstrap, Tailwind, Semantic UI.
* Experience using a type system like Flow or TypeScript.
* An appreciation for writing unit and integration tests.
* Bonus - experience configuring build systems.
You will:
* Prioritize, build, design, and ship new features.
* Participate in product direction + design.
* Help develop internal engineering processes as the team grows.
Angular (2+)
AngularJS (1.x)We are looking for an Angular 10+ Developer responsible for to implement a complete user interface in the form of a mobile and desktop web app, with a focus on performance. Your main duties will include creating modules and components and coupling them together into a functional app. The artistic design will be delivered to you, together with a few HTML templates, but we will ask for your help in regard to animations, CSS, and final HTML output. You will work in a team with the back-end developer, and communicate with the API using standard methods. A thorough understanding of all of the components of our platform and infrastructure is required.
Responsibilities
- Delivering a complete front end application in angular 8+ framework.
- Ensuring high performance on mobile and desktop
- Writing tested, idiomatic, and documented JavaScript, HTML and CSS
- Coordinating the workflow between the graphic designer, the HTML coder, and yourself
- Cooperating with the back-end developer in the process of building the RESTful API
- Communicating with external web services
Skills and Qualifications
- Proficiency with JavaScript and HTML5, Bootstrap and Angular
- Professional, precise communication skills
- Deep knowledge of AngularJS practices and commonly used modules based on extensive work experience
- Creating self-contained, reusable, and testable modules and components
- Ensuring a clear dependency chain, in regard to the app logic as well as the file system
- Extensive knowledge of CSS and JS methods for providing performant visual effects and keeping the framerate above 30fps at all times
- Thorough understanding of the responsibilities of the platform, database, API, caching layer, proxies, and other web services used in the system
- Validating user actions on the client side and providing responsive feedback
- Writing non-blocking code, and resorting to advanced techniques such as multi-threading, when needed
- Creating custom, general use modules and components which extend the elements and modules of core Angular10+ versions
- Experience with all levels of operation available to the front-end,
- Experience with building the infrastructure for serving the front-end app and assets
- Architecting and automating the build process for production, using task runners or scripts
- Documenting the code inline using JSDoc or other conventions
Data Analytics
Data ScienceSquare Panda is a startup headquartered in Sunnyvale, CA with additional offices located in India
and China. We are in a research based Ed-Tech space, focusing on children's early literacy. We
have 3000+ schools under our belt and are proud to cater the needs of English Language
development of 70,000+ kids worldwide. Our multisensory neuroscience research-based phonics
learning system comes equipped with educational games to teach children many essential skills.
With a curriculum that has been specially adapted for Indian schools and children, we strive to
empower beginner learners through phonics awareness.
Responsibilities
o Lead the identification and execution of opportunities where Analytics can make a difference across the company with focus on multiple markets we operate in - US, India and China.
o Actively champion adoption of the analytics solutions across various markets and functions
o Translate business problems into Insights projects and lead in quantifying the various types of risk and rewards that allow these projects to be prioritized.
o Excellent project management and executive communication skills.
o Understanding of the techniques and technologies of data science, along with a detailed understanding of the challenges associated with each (e.g. overfitting, model refresh, challenge of acquiring training data, cost of compute, etc.)
o Proactively and continuously assess the marketplace and its dynamics, customers, and competitors.
o Provide an unbiased point of view on the performance of markets/brands, supported by facts and evidence
o Develop research strategies to ensure internal understanding of customer and competitor insights
o Develop and implement market research & analytical plans, in collaboration with cross‐functional teams.
o Seeks out alternative/creative ways of meeting an information need, considering new techniques to address business challenges.
o Monitor program risks and ensure appropriate actions are taken, including escalating issues timely to the management
o Maintain understanding of business operations and how users interact with the relevant systems and use that understanding to provide decision support analysis.
o Tap the working knowledge of AI and analytics to convey these business goals to the data professionals who will create the models and solutions.
o Enthusiasm, commitment, and business savvy to navigate the technical, political, and organizational roadblocks that can emerge.
Desired Profile
o 6-8 years of experience in executing multiple analytics projects end to end
o Entrepreneurial mind-set o Should have played hands on data sciences role in the past with full knowledge of which analytics technique to apply
o Background of core consulting / start up handling end to end projects o Excellent communication and project management skills o Ability to lead both business and analytics team to generate ROI and success for business o Expertise across the spectrum of analytics - Dashboards, Visualizations, Insights, Data Science driven AI, ML Projects
Java
C#
C++
.NETMust Haves
- Programming experience with at least one modern language such as Java, C++, or C# including object-oriented design
- 1+ years of experience contributing to the architecture and design (architecture, design patterns, reliability, and scaling) of new and current systems.
- 4+ years’ work experience in software development
- BS degree or higher in Computer Science, Engineering or related field
- Understanding of operating system fundamentals (Linux)
- Understanding of scalable computing systems, software architecture, data structures, and algorithms
- Knowledge of professional software engineering best practices for the full software development life cycle
- Strong verbal and written communication skills
- Strong analytical skills, with excellent problem solving abilities
- Working experience with Kubernetes
- Experienced working with distributed databases at scale
Good to haves
- Experience in developing software using AWS native services & technologies.
- Experience taking a lead role in building and operating scalable distributed systems
- Experience in Agile/SCRUM enterprise-scale software development
- Familiar with building secure software using modern security principles
- Demonstrated ability to achieve goals in a highly innovative and fast-paced environment
Why us
We're hiring a set of highly skilled, enthusiastic, and passionate people who thrive in a high-growth environment. We believe the best way to grow is to give everyone the opportunity to pursue their interests. At Lucidity, you have complete freedom to work on projects that interest you. Plus, with benefits like flexible hours, company offsites, unlimited leaves, we ensure you enjoy the journey as much as we do. We are also offering healthy founding team ESOP's.
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Full Stack Developer - Averlon