Website campaign- US Shift kolkata location

Job Description

We are seeking a skilled MERN Stack Developer to join our dynamic development team. The Candidate must be familiar with MongoDB, Express.js, React.js, and Node.js and play a key role in building and maintaining web applications. This position will be responsible for working on both the front and back end of our web projects, which in turn will ensure that the web applications are stable, responsive, and effective.

Responsibilities

• Design and develop web applications using the MERN stack.
• Create responsive web interfaces using React.js.
• Develop server-side logic and APIs using Node.js and Express.js.
• Ensure database operations are seamless and database schemas are well designed using MongoDB.
• Collaborate with other team members, such as UI/UX and backend developers, to define and achieve project goals.
• Suggest code reviews and provide feedback to other developers.
• Troubleshoot and fix any issues to maintain and improve overall application performance.

Skills and Qualification

• A Bachelor's degree in Computer Science or relevant field is required.
• Hands-on experience with React.js, Node.js, Express.js, and MongoDB.
• Solid understanding of JavaScript, HTML, and CSS.
• Experience with Redux for state management.
• Familiarity with RESTful API development and integration.
• Ability to design and build user interfaces and server-side applications.
• Experience with version control systems - Git knowledge preferred.
• Strong problem-solving skills and attention to detail.
• Good communication skills and ability to work collaboratively in a team environment.

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

Roles and Responsibilities

• Client acquisition & Grievance Handling. Explain Trading Strategies, Company Terms, and Market Risk to the Clients.
• Generate prospects on Daily Basis via Telephonic, Visual & Text conversations.
• Conduct Risk Profile Management & Trading Strategies sessions with the clients.
• Coordinate with Digital Marketing & Research Team to Service Best to the Clients.
• Explore Global Market, Keep updated on current affairs to Serve Investors & Traders.Achieve Monthly tasks via Client Acquisition on Generating Leads.

Desired Candidate Profile

• Minimum Graduate or Post Graduate. Talkative, Enthusiastic, and Innovative.
• Knowledge of Global Market. (Forex &Comex) Fluent English Communication, Sales & Marketing Skills require.
• Should be a self-motivated, independent, detail-oriented, responsible team player and exhibit exceptional relationship management skills.
• Experienced in International Sales, Marketing, Global Market and Financial Services will be preferred.

Perks and Benefits

• Desired Incentives. Overseas Trip by Company.
• Monthly Contest & Trophies.
• Quarterly and Annual Rewards and Recognition.

Job Description :

Business Development Executive/ Manager

 2 – 8 years of experience as a Business Development Manager or similar role

 Experience in leading business development team

 Excellent communication and negotiation skills

 Excellent leadership skills

 Critical thinker and problem solver

 Great communication and presentation skills

 Excellent command of MS Office and CRM software

 2 – 8 years of experience in business development, sales management, or relevant fields

 Lead Generate, Sales and Get Client

 Convincing Power

• Functional Testing (Performance, Security, etc)
• Nonfunctional Testing
• Systems Integration testing
• Regression Testing
• Cross-device/platform testing
• Upgrade / Cross version testing

Required Qualifications –

• Computer Science or Engineering degree or equivalent from recognized institute/s.

Desired Skills –

• Practical knowledge of software development lifecycles, including specification, documentation, and quality assurance
• About 2 – 4 years of experience in software design, planning, and development
• Knowledge of Java and strong object-oriented development
• Experience in hands-on Selenium automation test case development
• Familiarity with Android and iOS mobile application development is preferred
• Knowledge of Ant, JUnit, and Appium Mobile Application Automation framework is strongly preferred
• Familiarity with software development tools such as Jenkins, bitbucket, etc
• Great attention to detail
• Work well in a tightly integrated development team
• Good communication & presentation skills

The role of a Personal Loan Risk Head is to own, manage and communicate risk policies and processes. He/She shall provide hands-on development of risk models involving market, credit and operational risk, assure controls are operating effectively, and provide research and analytical support. Prospective candidates must have excellent quantitative and analytical skills, along with the ability to apply those skills across a variety of business processes.

Key Expectations

• Designing and implementing an overall risk management process for the Personal Loan portfolio, which includes an analysis of the financial impact on the company when risks occur
• Performing a risk assessment: Analyzing current risks and identifying potential risks that are affecting the company
• Own the portfolio risk metrics - Loss forecasting, Stress testing, Credit Risk, Liquidity risk, Collections performance & strategy & overall ROA by segment.
• Monitor portfolio risk from granular dimensions and constantly implement strategies to maintain risk metrics within specific ranges.
• Monitor various operational metrics and develop alerting mechanisms to maintain process efficiency
• Designing and implementing strategies for Underwriting, Account Management, Portfolio Monitoring and Collections
• Develop risk based credit policies and pricing grids to maximize approvals within specific segments of risk
• Work with data science team which will develop algorithms and scorecards and drive decision models across various business segments.
• Partner with Engineering team to implement policies and scorecards.
• Supervise creation of time-sensitive analytics, visualisations, and complicated, high-visibility reports for Risk and Business management to use in portfolio monitoring and strategic decision-making.

Competencies -

• Have strong business understanding of the retail lending business in India and understanding of the regulatory landscape
• Should have hands-on experience working as data analyst or data scientist or statistical modeler in retail space, preferably in financial services or ecommerce.
• Strong experience in establishing and managing high-performing teams with a collaborative leadership approach.
• Outstanding communication skills, both verbal and written          

5 years of architecture, design and programming experience preferably in fast-paced dynamic environment

Strong application design and implementation skills, solid understanding of the entire development cycle.

Strong background in Java/J2EE based application

Strong background in Spring/Spring boot based application

Strong background in Microservices based application

Experience working with Apache and/or Tomcat

Experience in transforming requirements to software design

Strong Experience with developing Java SAAS web applications.

Working experience in Industry Standard protocols related API Security including OAuth

Demonstrate strong design and programming skills using JSON, Web Services, XML, XSLT, PL/SQL in Unix and Windows environments.

Strong background working with Linux/UNIX environments.

Strong Shell scripting experience.

Working knowledge with Oracle, DB2 or MongoDB databases.

 Passion to stay on top of the latest happenings in the tech world and an attitude to discuss and bring those into play.  Strong agile/scrum development experience

 Strong collaboration and communication skills within distributed project teams

 Excellent written and verbal communication skills