Sr Product Designer

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

Hrim is an innovation company with a vision to create and power meaningful action across the globe. The organisation delivers its innovation through its Ideation, Design & Build Services. Hrim’s ideation service materialises visions of leaders and companies into standout concepts. The design and build service propels concepts into tangible reality in the form of ventures, initiatives, services etc.

Job Description:

As the Build Lead specialising in Technology at Hrim, paralleling the role of a Head of Technology in a technology startup, your role is critical in translating innovative concepts into real-world technological solutions. This position requires a unique combination of technical mastery, strategic foresight, and leadership skills to take 0-1 build to success. You will be at the helm of developing and executing technology projects from their nascent stages to full-fledged operational status.

In this key role, you will oversee the entire lifecycle of our technology initiatives, spearheading it from concept asset development to market launch. Your responsibilities will be multifaceted, encompassing strategic planning and hands-on management of the technology ventures. Your leadership will be instrumental in evolving the concepts into fully operational, market-ready technologies. 

Key Responsibilities

Project Development from 0 to 1:

• Lead the development of new technology projects at Hrim from conception (0) to launch (1).
• Utilize coding and technical expertise to create robust, scalable assets for the projects
• Oversee the entire project lifecycle, ensuring that technical objectives and timelines are met.

Technical Leadership and Team Management:

• Spearhead  technical build of the concepts and lead the associated team on the project
• Manage resource allocation, project scheduling, and workflow to optimize team performance.

Technology Strategy and Innovation:

• Stay abreast of emerging technologies and industry trends to inform innovation at Hrim
• Collaborate with cross-functional team members to ensure technology alignment with business goals.

Quality Assurance and Best Practices:

• Ensure the highest quality of code and implementation of best practices in software development.
• Conduct code reviews and oversee testing procedures to ensure reliability and efficiency of applications.
• Address technical issues and challenges promptly, ensuring minimal impact on project timelines.

Requirements & Qualifications

Educational Background:

• Bachelor’s or Master’s degree in Computer Science, Engineering, or a related technical field. Advanced degrees or certifications in technology-related disciplines are a plus.

Technical Expertise:

• Proficiency in one or more programming languages such as Python, Java, C++, JavaScript, or similar, with a strong understanding of software development principles.
• Demonstrated experience with full-stack development, including both front-end and back-end technologies.
• Knowledge of database management and experience with SQL or NoSQL databases.
• Familiarity with cloud computing platforms (e.g., AWS, Azure, Google Cloud) and understanding of scalable architecture design.

Experience in Project Development:

• 5 years of experience in technology development, with a significant portion dedicated to building projects from concept (0) to launch (1).
• Demonstrated ability to lead technology projects and oversee all stages of development, from ideation to deployment.
• Proven track record in delivering complex software projects on time and within budget.

Leadership and Team Management:

• Strong leadership skills with experience managing and mentoring a team of software developers and engineers.
• Ability to foster a collaborative environment and demonstrate innovation and creativity. 
• Experience in resource planning, project scheduling, and agile methodologies.

Problem-Solving and Innovation:

• Excellent problem-solving skills with a focus on innovative solutions and continuous improvement.
• Ability to anticipate challenges and proactively address potential issues in the development process.
• A knack for translating complex technical concepts into practical, real-world applications.

Communication and Collaboration:

• Strong communication skills, capable of effectively articulating technical concepts to both technical and non-technical stakeholders.
• Experience collaborating with cross-functional teams, including product managers, designers, and business analysts.
• Ability to clearly document and present project progress and outcomes.

Adaptability and Continuous Learning:

• Commitment to staying up-to-date with emerging technologies and industry trends.
• Willingness to adapt and learn new programming languages or technologies as required by project needs.
• Enthusiasm for tackling new challenges and the ability to learn quickly in a fast-paced environment.

• Handling the development of new webpages and changes to website design and infrastructure if any
• Working with various stakeholders to define the objectives that will drive the most meaningful impact needed to execute them
• Developing and maintaining web development processes and standards
• Proposing and evaluating innovative solutions and ideas, and implementing them
• Creating detailed technical tasks list and providing technical guidance to the team
• Ensuring project requirements are delivered on time within budget and meeting quality objectives

What you need to have:

• 6 to 9 years experience as a website developer
• Experience in handling a team
• Good understanding of banking business processes
• Good knowledge of PHP, CSS, bootstrap, Angular 8 or above
• Knowledge of RDMS
• Hands-on experience in Javascript
• Good communication skills     

• Handle complete marketing activities of the company
• Deliver customer growth
• Be responsible for marketing communication
• Manage marketing budget and ROI
• Handle team comprising of internal resource + freelancers Candidate should have:
• Experience of handling marketing at B2C product-led start-ups for 3 to 4 years
• Expertise in performance marketing and SEO
• Strong analytics abilities and good communication skills
• Handled sizable marketing budgets
• Growth mindset - moving quickly, discovering growth hacks

Cityflo is an app-based daily commute solution for Mumbai's professionals. With a smart app, clever route design, and a fleet of premium buses, we are providing an airline experience on wheels. Cityflo has been operational since 2015 and is solving Mumbai's travel woes in a big way.

Roles & Responsibilities:

• Working closely with business vendors, product, and BI team to identify and implement necessary technologies.
• Maintaining and improving the dashboard which helps the team to run the operations in the most efficient manner.
• Optimizing daily operations and identifying avenues for effective introduction of technology.
• Working closely with the on-ground operations team and understanding their daily challenges.

We are looking for:

• Experience in developing web applications at scale.
• Strong knowledge and experience in web technologies and Python.
• Experience in writing modular/reusable code in ReactJS.
• Good UI/UX design sense and intuition
• Following good software engineering practices like version control, code-reviews, test-driven development, and continuous integration, etc.
• Experience with AWS services such as Lambda, RDS(PostgreSQL), AWC Chalice(serverless framework) is a plus.
• Long-term thinking around creating products and owner mentality.
• Great communication skills, the ability to articulate and evangelize product vision.
• Willingness to take initiatives, the ability to hustle and get things done.