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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Vue.js
AngularJS (1.x)
Angular (2+)Job Description:
Responsible for designing, developing, and maintaining full-fledged software platforms that can function independently without relying on third-party applications. Work on both the front-end and back-end development processes, using a range of technologies and languages such as Java, Springboot, microservices, cloud with Angular or react.
Essential functions:
- Strategic Architectural Design Lead the design and development of complex, enterprise-level software systems.
- Evaluate emerging technologies and recommend optimal architectural patterns.
- Ensure software solutions align with business requirements and long-term goals.
- Technical Leadership Mentor and guide junior developers on best practices and coding standards.
- Collaborate with cross-functional teams to coordinate development efforts.
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- FullStack Development Hands-on coding and implementation of front-end, back-end, and database components.
- Develop robust APIs, microservices, and cloud-native applications.
- Implement security measures and ensure compliance with industry standards.
- Continuous Improvement Identify opportunities to refactor and modernize existing systems.
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- Stay-up-dated on the latest Java ecosystem and share industry insights.
Qualifications/ Experience & Skills:
- Computer engineering/ Computer Science OR equivalent degree.
- 10-15 Years of total experience.
- As an experienced Full Stack Architect, individuals would be responsible for driving the technical vision, leading the development team, and ensuring the delivery of high-quality, scalable software solutions that meet business objectives.
- Notice period: immediate - 30 days would be preferred.
Would be a plus :
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Role - MIS Executive
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- Use Advanced Excel capabilities, including pivot tables, look-ups, complex formulas and graphing to streamline business processes.
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- Extract the data from the designated portal and update it.
- Provide recommendations to update current MIS to improve reporting efficiency and consistency.
- Perform data analysis for generating reports on a periodic basis.
- Provide strong reporting and analytical information support to the management team.
- Generate both periodic and ad hoc reports as required.
- Analyze business information to identify process improvements for increasing business efficiency and effectiveness.
- Provide support and assistance to management in issue troubleshooting and resolution.
- Handling database management by using Advanced Excel tools & MS Access
- Should be proficient with Advanced Excel Formulas such as, Pivot Table, Lookups, Index Formatting, Conditional Formatting.
- Exp in Tableau, Dashboard creation & Data crunching & extraction
- Qualification: Bachelor's degree with experience of 2 - 4 Years
- 2 to 4 Years experience in MIS and Dashboarding is a must.
Swift
Objective C
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Job Overview
We are looking for an experienced iOS Engineer who will continue to improve our mobile application including but not limited to performance, UI and UX. You’ll be responsible for building new and supporting existing product features.
The ideal candidate will have the ability to prioritize well, communicate clearly, have a consistent track record of delivery and have excellent software engineering skills. Creative engineering is balanced with high quality and a customer focus. Must be able to work across multiple facets of the project and juggle multiple product features at the same time. Strong analytic capability and the ability to create innovative solutions. We are looking for a highly motivated individual who is looking to grow their career in a fast-paced environment.
Responsibilities
- Design and build applications for iOS platforms
- Ensure performance and quality of the application
- Collaborate with a cross-functional team to define and design the app
- Perform checks on the correct functionality of the app
- Integrate the application with backend tools such as cloud, APIs and push notifications
- Responsible to help maintain code quality, organization and automation
- Responsible for providing prototypes and proofs of concepts
- Use encryption tools to safeguard content
- Research, evaluate and adopt next-generation technologies
Qualifications and Skills
- IT Certification, required
- Expert in Objective-C and Swift programming
- UI and UX experience
- Proficiency with 2D and 3D graphics frameworks
- Experience with iOS frameworks
- Adept with benchmarking and modification
- Familiar with Apple's design principles and interface guidelines
- Proficiency with offline storage, threading and performance tuning
- Knowledgeable of cloud message API and push notifications_
- Experience working in an agile environment that follows Scrum or other agile methodologies
- Experience developing software for Enterprise clients is preferred
- Excellent time management skills, with the ability to work under deadlines in a fast-paced environment
- Attention to detail and commitment to high-quality/error-free deliverables
- Great communication and problem-solving skills
- Detail-oriented and a critical thinker
- A team player and leader but can work independently.
- Experience with Github and tools like Bugsnag or Sentry is a plus
About you
- Bachelor’s or Master’s in Computer Science or Computer Engineering
- 4+ years of iOS development experience
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- Demonstrated experience with multi-tier applications
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Vue.jsAngularJS (1.x)Angular (2+)
React.js
JavascriptWhat You'll Do
- As an early member of our engineering team, you will work directly with the CTO and Head of Product to spec, design, and build the core product functionality
- Help us build out a reliable team in India that knows our tech stack and is passionate about the work that we do.
- Motivate and lead a team of software developers to reach and exceed company goals.
- Solve problems you don't know how to solve: You'll encounter challenges we haven't yet come across yet. And when the time comes, you'll think through problems, evaluate approaches and teach yourself whatever is needed.
- Lay a solid foundation for the product to scale, keep our technical debt in check and help us hire a team of incredible engineers.
What We're Looking For
- 6+ years of experience as a software engineer
- 1+ years of experience leading projects or teams of engineers
- Hustle & Grit. Willingness and desire to take on personal responsibility for the business as a whole and “figure it out”, whether it’s in your exact functional lane or not.
- Excitement and passion for expanding financial access to healthcare.
- Experience with Java, a relational database, React (or a comparable front-end framework) and building full-stack web apps.
- A great understanding of how Restful services and Gradle works
- Ability to overlap with EST morning hours
- Our full tech stack includes: Docker, Spring, Gradle, Hibernate, ExpressJS, NextJS, Amazon Web Services, Java, N8N, Python
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- Architect, build and maintain excellent React Native applications with clean code.
- Integrate third-party API's.
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- Design, build and own key technology decisions and implementations
- Wear multiple hats - that of an architect, developer or product owner
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- 4 - 6 years of overall software development experience
- 3+ years of professional experience in Native React
- Highly proficient in rendering components with Native APIs
- Highly proficient in JavaScript, modern JavaScript, HTML,
- Highly proficient in one or more libraries (e.g. Redux, React Router, etc) for state managing and routing in addition to React.
- Proficient in using Git as a control system
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Position:- GM Sales
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Salary: 50k to 01 lacks CTC PM
Skills required: Domestic and Export Sales
1. Hiring for craft & paper bag industry. ( New company under Krish group )
2. Candidate should have 9-12 years of working experience in the craft & paper bag industry.
3. Should have knowledge of domestic and export sales.
4. Field sales operation handling experience.
5. Team Handling.
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Following skills are not required but are a plus:
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ZipLoan is looking out for a strong technology leader of Software Product Engineering, with a Technical Experience of about 12+ years, and hands-on experience in Software Product Development and ownership. You will head our Platform team which will be tasked with building ZipLoan's platform layer along with a set of engineers reporting to you.
Role:
- Understand the business end-to-end in order to drive a use-case driven architecture.
- Identify parts of the code-base which can be made reusable as modules or services.
- Propose architecture improvements to provide reliability and robustness at scale.
- Provide a roadmap for evolution of the technology ecosystem.
- Identify and erase technical debt.
- Provide consultancy to engineering teams on specific design challenges.
- Propose engineering best practices and help teams in adopting them.
Desired Profile:
- 12 years min experience in core software development.
- Hands-on experience building consumer Web/mobile apps at scale.
- Strong exposure to open-source technology – Python and other languages,
Linux, SQL and NoSQL databases, Web development frameworks
- Strong architecture skills.
- Ability to mentor engineering team members effectively.
- Preferably a strong full-stack engineer or at least strong backend skills with some front-end skill.
Follow CutshortShubham Vishwakarma
Full Stack Developer - Averlon