Product Owner

Strong Senior Backend Engineer profile

Mandatory (Experience 1) - Must have more than 6+ YOE in Software Development

Mandatory (Experience 2) - Should have strong backend development experience in any backend language - Java, Javascript (NodeJS), Go, PHP (PHP experience is preferred)

Mandatory (Core Skill 1) - Must have Experience in any databases - MySQL / PostgreSQL / Postgres / Oracle / SQL Server / DB2 / SQL

Mandatory (Core skill 2) - Experience with async workflows and messaging queues such as( RabbitMq, Kafka, Message Broker / Queue, Google Pub / Sub, Kinesis etc)

Mandatory (Core Skills 3) - Experience in Cloud - AWS / Google Cloud / Azure

Mandatory (Company) - Product Companies only

Mandatory ( Education) - BE / BTECH / MCA

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.

We are seeking a highly skilled and experienced Offshore Data Engineer . The role involves designing, implementing, and testing data pipelines and products.

Qualifications & Experience:

bachelor's or master's degree in computer science, Information Systems, or a related field.

5+ years of experience in data engineering, with expertise in data architecture and pipeline development.

☁️ Proven experience with GCP, Big Query, Databricks, Airflow, Spark, DBT, and GCP Services.

️ Hands-on experience with ETL processes, SQL, PostgreSQL, MySQL, MongoDB, Cassandra.

Strong proficiency in Python and data modelling.

Experience in testing and validation of data pipelines.

Preferred: Experience with eCommerce systems, data visualization tools (Tableau, Looker), and cloud certifications.

If you meet the above criteria and are interested, please share your updated CV along with the following details:

Total Experience:

Current CTC:

Expected CTC:

Current Location:

Preferred Location:

Notice Period / Last Working Day (if serving notice):

⚠️ Kindly share your details only if you have not applied recently or are not currently in the interview process for any open roles at Xebia.

Looking forward to your response!

Developer – Golang 

Responsibilities: 

• An individual contributor who will be part of the Software R&D team working on the following areas 

• Backend work in Golang, Micro services architecture 

• Work with internal team and customers to deliver solutions that will meet the customer needs with respect to the performance security, scalability and functionality. 

• Implementation of API and authentication methods using JWT 

• Writing scalable, robust, testable, efficient, and easily maintainable code 

• Translating software requirements into stable, working, high performance software 

Skills 

• 2-5 years of experience in Go programming language 

• Strong experience in working with Goroutine and channel patterns 

• Experience in Go framework for DB, JSON, Sockets, Web Frameworks and tools 

• Knowledge of logging and configuration packages like Zap, Viper 

• Experience in writing unit tests for Golang code 

• Familiarity with code versioning tools such as Git or Azure Repo 

• Should have knowledge of MySQL, PostgreSQL, or any RDBMS 

• Good knowledge of Linux / Ubuntu 

Location      : Baner, Pune

Notice period : Immediate to 30 Days

• Proven software development experience
• Proven working experience in iOS development
• A deep familiarity with Objective-C and Swift
• Experience working with iOS frameworks such as Core Data, Core Animation, Core Graphics and Core Text
• Have published at least one app in the Store
• Experience working with remote data via REST and JSON
• Experience with third-party libraries and APIs
• Knowledge of JNI, security algorithms
• Experience with offline storage, threading, and performance tuning
• Ability to design applications around natural user interfaces
• Knowledge of the open-source iOS ecosystem and the libraries available for common tasks
• Proficient understanding of code versioning tools such as Git, SVN
• Working knowledge of the general mobile landscape, architectures, trends, and emerging technologies.
• Solid understanding of the mobile development life cycle
• Good to have: Experience in working on cross platform UI framework such as React Native or Cordova.