Location Credit Manager-Agri Business Group (ABG)-Credit

JOB DESCRIPTION

Grade-M5 Above

Function- Agri credit

Role – location Credit manager

Max age limit- 25 +

Experience- CA – 1 years; 

• Candidate should not be from Retail Credit
• Should have Underwriting experience in ticket size of Rs upto 15 Crs
• Market, Competitor & Dealer visits as per the requirement and continuous updating of the happening/ changes in the market place which would help in acting proactively
• Timely processing of proposals as per TAT to ensure better time to market
• Ensuring compliance of terms and conditions of sanctions by liasioning with the RMs and company involved
• Continuous monitoring of Infant Delinquencies.

Experience Level

Mid Level

We are looking for a proactive and detail-oriented Assistant Branch Manager-Inbound to oversee the daily operations of our branch. This role involves ensuring compliance with regulatory and audit requirements, managing customer service processes, and maintaining operational efficiency. The ideal candidate will have strong leadership skills, a thorough understanding of banking operations, and a commitment to delivering exceptional customer experiences

Oversee day-to-day branch operations, ensuring smooth and efficient functioning
Ensure strict adherence to bank policies, audit standards, and regulatory requirements
Authorize and verify system inputs for customer transactions and service requests done by subordinates
Manage branch lobby and customer queues to enhance service delivery
Handle cash operations, including foreign exchange (FX) and traveler’s cheques (TCs), within prescribed limits
Address and resolve customer complaints within defined turnaround times (TAT)
Ensure AML and KYC compliance for all account opening forms submitted to CPC/RPC

proactive,detail-oriented,compliance management,regulatory compliance,audit requirements management,customer service management,operational efficiency,leadership,banking operations knowledge,customer experience delivery,organizational skills,problem-solving,decision-making,risk management,financial acumen,communication skills,interpersonal skills,team management,process improvement,staff management,training and development,resource allocation,strategic planning,reporting and analysis

We are looking for a proactive and detail-oriented Branch Operations Manager to oversee the daily operations of our branch. This role involves ensuring compliance with regulatory and audit requirements, managing customer service processes, and maintaining operational efficiency. The ideal candidate will have strong leadership skills, a thorough understanding of banking operations, and a commitment to delivering exceptional customer experiences

As a Branch Manager in the Retail Liabilities vertical, you will be responsible for driving business growth, ensuring operational excellence, and delivering superior customer service. This role demands a dynamic leader with strong sales acumen, regulatory awareness, and the ability to manage a high-performing team. You will oversee the branch’s profitability, compliance, and customer engagement, while also promoting cross-selling of financial products
Drive enhancement of the deposit pool from existing and new customers.
Ensure high standards of customer service delivery across all touchpoints.
Promote and achieve cross-selling targets for non-deposit products.
Lead sales initiatives for Mutual Funds and Insurance products.
Generate fee-based income through strategic product offerings.
Oversee branch administration and ensure smooth day-to-day operations.
Ensure full compliance with regulatory and internal guidelines.
Foster a productive and motivated branch team environment.
Take ownership of the branch’s Profit & Loss and break-even performance.
Collaborate with internal stakeholders for product innovation and marketing initiatives.

Experience Level

Executive Level

We are looking for a detail-oriented and customer-focused Personal Banker – Inbound to join our Branch Banking team. The ideal candidate will be responsible for handling day-to-day cash and non-cash transactions while ensuring a seamless and high-quality customer experience. This role demands a strong sense of responsibility, excellent communication skills, and a keen eye for detail. As a Personal Banker – Inbound, you will be the face of the bank, addressing customer needs, promoting banking services, and ensuring operational accuracy and efficiency.

1. Manage cash and non-cash transactions efficiently and accurately.
2. Handle customer requests related to cash withdrawals, deposits, demand drafts, and cheque processing.
3. Provide general banking information and resolve customer queries promptly.
4. Maintain high standards of speed and accuracy in all transactional processes.
5. Identify and promote cross-selling opportunities for other banking products and services.
6. Ensure a positive and professional customer experience to foster loyalty and referrals.

Experience Level

Entry Level

– Responsible for handling documentation related to private banking customer service.
– Role involves managing and processing customer documents efficiently.
– Requires coordination with banking teams to ensure compliance and accuracy.
– Focus on maintaining high standards of customer service within private banking.
– The position is based in New Delhi at Kotak’s Aerocity office.
– Suitable for candidates with experience in banking documentation or customer service.
– Emphasis on accuracy, attention to detail, and understanding of banking processes.
– Likely involves interaction with clients and internal stakeholders for document verification.
– The role supports the smooth functioning of private banking operations.
– No explicit mention of required skills, languages, or educational qualifications.

We are looking for a proactive and customer-focused Service Manager to oversee branch operations and ensure exceptional service delivery. This role involves managing daily branch activities, ensuring compliance with regulatory standards, and driving service excellence. The Service Manager will also be responsible for team supervision, complaint resolution, and maintaining high service scores.

As a Branch Payment Ops Team Member, you will be responsible for the efficient and accurate processing of various payment transactions. This includes handling cash deposits, withdrawals, and transfers, as well as providing support for electronic payment systems. Your role is vital in maintaining the bank’s reputation for reliable and secure payment services.

Home

 Sales officer – USED CARS

SNO.OBJECTIVEWEIGHTAGEKEY PERFORMANCE INDICATORAnnexure

1Deliver UC disbursemet as per productivity norms by managing SO productivity 40%Branch Sales Manager Productivity as  definedAs per annexure 1

2Maintain branch  profitability
WIRR to be 17% and PF to be 1.1%20%WIRR to be 17% &  PF to be 1.1%As per annexure 2

3PDD Collection Plan 10%Branch 60+DPD PDD should be with in 5%As per annexure 3

4Manage and monitor the portfolio quality and follow up with ED cases for timely resolution10%% of ED (12 months) As per annexure 4

5Training Mandays5%Average Mandays of Training per Team MemberAs per annexure 5

6Process Orientation5%Audit ScoreAs per annexure 6

7Team Management10%% of Attrition & % of eligible employees earning incentiveAs per annexure 7

Annexure – 1
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
Actual Disbursement Vs Objectives>110%101 – 110%91 – 100%80 – 90%<80%

Annexure – 2
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
% Achievement>120%100% – 120%95% – 100%85% – 95%<85%

Annexure – 3
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
% of ED (12 months)<=1.0%1.1 – 2.0%2.1 – 3.0%3.1 – 4.0 %> 4.0%

Annexure – 4
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
% Achievement>120%100% – 120%95% – 100%85% – 95%<85%

Annexure – 5
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
% Achievement>120%100% – 120%95% – 100%85% – 95%<85%

Annexure-6
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
Average Mandays of Training per Team Member>=32.5-2.992-2.491-1.99<1

Annexure-7
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
Audit Score>95%91 – 95%81-90%71-80%<71

Annexure-8
 Scoring method5
(Outstanding)4
(Excellent)3
(Very Good)2
(Good)1
(Adequate)
Attrition %<10% Annualized Attrition11% – 15% Annualized Attrition16% – 25% Annualized Attrition26% -35% Annualized Attrition>35% Annualized Attrition
% of eligible employees earning incentive>75% of employees earned incentive>50%-75% of employees earned incentive35%-49% of employees earned incentive20-34% of employees earned incentive<20% of employees earned incentive

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,500 Tideans globally – we’re diversity champions!
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg.

WHAT WE ARE LOOKING FOR

We’re looking for a data-driven Senior Product Operations Analyst, ideally with experience in Consulting, Operations, Finance, or Technology. In this role you’ll become a key member of Tide’s Payments Operations team, working with teams from across the company – including member support, financial crime, finance, tech, and product – as well as with our suppliers and Tide Members.

As a Senior Operations Analyst at Tide you’ll join an ambitious team of highly motivated, talented Tideans who love to collaborate, and are driven by helping people achieve their business ambitions.  We live and breathe our values, which are to put our members first, work as one team and be data driven.

AS A SENIOR PRODUCT OPERATIONS ANALYST:

• You will be working in our Payments Operations team. Among other things you will be:
• Managing and monitoring our payment partners
• Liaising with key stakeholders for payment related matters
• Analysing and reporting on existing card features, bugs, potential new products
• Monitoring our chargebacks/disputes performance and alerting respective teams when/if needed
• Defining new processes, and getting to prove them
• Monitoring and reporting on the performance of existing processes and taking required actions where necessary
• Working closely with the Risk and Compliance teams to ensure adherence to regulatory requirements
• Managing project and program:
• Owning and delivering non-technical projects (spanning commercial and operational topics)
• Providing support to the Product team during product delivery, ensuring a smooth transition from development to operational phase.
• Defining KPIs and maintaining SLAs, both internally and by partners to make sure the payments team is performing at the highest level
• Engaging with our member support teams to analyse queries and put forward solutions on improvements, working as an incident manager in case of downtime/outages

WHAT MAKES YOU A GREAT FIT

• You have at least four years of work experience working in finance, consulting, or operations for the financial services
• You are competent with using SQL and Excel
• You are organised – can deliver complex projects spanning multiple work streams and functional areas
• You have experience in handling Card issuance, management, payments and settlements
• You are responsible – we need to be able to trust you to own projects with minimal oversight, but to bring in help when needed
• You are proactive – you’ll need to enjoy the challenge of continuously improving processes and always be on the hunt for the next problem that needs to be fixed!
• You have strong attention to detail – you need a sixth sense for when things don’t look right and the conviction to investigate whether it’s a larger problem!
• You have excellent written and verbal communication skills in English – you’ll be explaining the root causes of problems to management and working with providers to get to the bottom of problems
• You are resilient – you’re willing to spend the time it takes to discover where a problem lies and not stop until it’s solved.You are customer-focused and a team player

WHAT YOU’LL GET IN RETURN:

Our location-specific employee benefits are designed to cater to the unique needs of Tideans: 

• Competitive Compensation –  competitive salary and share options
• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• Health Insurance – Private family insurance with additional OPD coverage and top-up options.
• Life & Accident Cover – Comprehensive accidental and life insurance protection.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering & Development Days – Paid days annually for volunteering or personal growth.
• Learning & Development – Annual budget for books, courses, coaching, and more.
• WOO (Work Outside the Office) – Work from abroad for up to 90 days annually.
• Home Office Setup – Contribution towards setting up your home office
• Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement.
• Snacks & Meals – Office perks with snacks, coffee, tea, and lunch (location dependent).

TIDEAN WAYS OF WORKING:

At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. 

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.

#LI-SW1

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members’ diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

 
Disclaimer
 
It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide’s Recruitment Privacy Notice.

Experience Level

Senior Level

We are looking for a dynamic and results-driven Deputy Branch Manager-Outbound to lead and support the branch’s sales and service teams. The role involves driving business growth through CASA, third-party products, and asset sales, while ensuring high levels of customer engagement and retention. The ideal candidate will possess strong leadership skills, a blend of sales and service orientation, and the ability to motivate and manage front-office staff effectively.

1. Lead a team of outbound bankers.
2. Drive sales of CASA, third-party products (TPP), and asset products through the team.
3. Ensure consistent customer coverage, engagement, and retention.
4. Monitor and enhance team productivity across assigned channels.
5. Foster a culture of service excellence and customer-centricity.
6. Support team members in achieving individual and branch-level business goals.

Experience Level

Mid Level

We are seeking a driven and customer-focused Personal Banker – Outbound to lead business development efforts at the branch level. The role involves acquiring new customers and driving sales of retail liabilities and third-party products. The ideal candidate will be energetic, goal-oriented, and passionate about delivering exceptional customer service while achieving business targets.

1. Achieve business objectives for retail liabilities sales at the branch, meeting value, volume, and productivity metrics.
2. Generate revenue through the sale of CASA, cross-sell products, and third-party offerings like insurance.
3. Source high-value CASA customers and build comprehensive family banking relationships.
4. Acquire new-to-bank customers through personal efforts and acquisition channels.
5. Contact a minimum of 20 customers daily and meet at least 4 customers/prospects per day.
6. Upgrade customers from lower product categories to premium offerings.
7. Deliver excellent customer service and maintain long-term relationships.

Job Description

A

  Job Specification

1

Company Name

:

Muthoot Fincorp Limited

2

Position / Designation

:

Branch Business Manager – Secured & Unsecured Lending Business

3

Grade

:

4

Employment Type

:

All Employment Type

5

Reporting to – 

Designation & Grade

:

State Business Manager – Secured & Unsecured Lending Business

6

No. of Reportees,

Designation & Grade

:

5 RMs / BSMs; 1 Collections Officer

7

Main Tasks & Areas of Responsibility

:

• Lead & Motivate team of RO/RM/BSMs to build to Overachieve Monthly / Quarterly / Half Yearly / Annual Business Budget
• Own & resolve the early mortality, delinquencies and NPAs from new sourcing and existing portfolio.
• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• To liaison with Credit, Subject Matter Experts at different levels to clear customers’ loan proposals for faster decisioning
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for that Location for all practical purposes.
• To Constantly look out for opportunities for improve customer experience by giving inputs to the Sr. Management for addressing the unmet needs of the customer.
• To Watch closely the Competition activities and report the same to the Zonal and National teams.
• To Work closely with Muthoot Fincorp branches for smoother disbursement of Gold backed Secured Loans and their safekeep.
• To Attract & Retain High Performers in the Team.
• To Retain existing live loan customers.
• To effectively liaison with law authorities for resolving conflicts if any.

8

Skills and Exposure

:

• A result oriented individual with Positive Mental Attitude with Integrity, willing to put hardwork.
• Proven ability to Recruit and Retain high performing RO/RM/BSMs.

• Atleast 5 years experience in  leading a team of Sales Exectives, Team Leaders, with atleast 2 years of Onroll team members.

• Having good working knowledge on Lower & Middle Income Customer Segments, having worked in similar role in an Affordable Housing or NBFC, with minimum 2 years of similar exposure.

•  Excellent interpersonal and verbal communication skills

• Ability to Work & Deliver business targets under pressure 

• Working knowledge of Collections/ Recoveries.

• Be Accountable for Portfolio Quality of the Location.

9

Special Requirements (If any)

:

 Direct team managing experience mandatory

Working knowledge of Affordable Home Loans / Micro LAP business exposure, preferable.

10

Job Location / State

:

Telangana, Andhra Pradesh, Tamil Nadu, Rajasthan, MP, Gujarath, Delhi, Karnataka , Rajasthan, Uttar Pradesh, 

11

Compensation Band

:

As per policy

12

Entitlements

:

As per policy

13

Stake Holders

:

Should be able to manage multiple stakeholders and collaborate with State, Zonal, National teams

B

15

Educational Qualification / Technical Certification

:

Any UG/PG or MBA

16

Skill Sets

:

Experience in Home Loans / Mortgages, with team handling skill sets.

17

Communication Skills

:

Good oral, written and presentation skills

18

Experience

:

5+ years of overall experience 

19

Behavioral Competencies

:

Uncompromising ethical standards and discipline expected

20

Other Requirements (If any)

:

–

GRADE: MM1 (ASSISTANT MANAGER)

DESIGNATION: BRANCH MANAGER TRAINEE

ROLE SUMMARY 

The Branch Manager Trainee is responsible for achieving business targets, maintaining portfolio health, and ensuring profitability of the assigned branch to support business growth. The role directs and oversees all operational aspects of the branch including customer service, sales, marketing, human resources, and administration in accordance with defined policies and procedures. 

 KEY RESPONSIBILITIES

 Operational Governance

 • Cascade and communicate branch targets across product portfolio, create a daily plan for numbers/targets to be achieved and monitor performance to ensure the branch P&L is delivered.

 • Generate branch revenue and grow the ticket size of gold loans as well as third party products of Muthoot FinCorp. 

• Research local market conditions and trends, proactively scan for opportunities, identify prospective sales and expansion opportunities to meet business goals and metrics.

 • Monitor sales targets and budgets, review branch performance and publish daily/weekly/monthly reports. 

• Ensure timely interest collection and recovery of over dues and asset quality in the branch. 

• Ensure operational efficiency and deliver exceptional customer service while ensuring strict adherence to policies and procedures. 

• Monitor day to day operations of the branch, allocate resources and take appropriate security measures to ensure safety of strong room and gold lockers. 

• Verify customer related documentation, KYC etc. and approve/sign off on customer application for gold loans. 

• Oversee all procedural and legal requirements related to gold auction, returns, notices, etc.

 Business Development 

• Leverage market insights to develop, plan and drive branding efforts in alignment with branch/customer requirements and budget. 

• Organize marketing/branding activities and events for the branch, maintain relationship with existing and potential customers, 

• Establish network and maintain relationship with existing and potential customers including high value customers to enhance branch presence and reputation of Muthoot FinCorp. 

• Driver broader product portfolio and ensure that customers are made aware of the breadth of offerings from Muthoot Fincorp 

Performance Monitoring 

• Participate in branch scorecard reviews with the Area Manager to discuss overall branch performance, budgets, targets, operational challenges, issues, etc. and identify changes or interventions required.

 • Review the achievements of team members, identify improvement areas and provide guidance, suggestions etc. to enhance individual performance. Area Manager, Branch Business Branch Manager Asst. Branch Manager Customer Service Executive Business Development Executive  Customer Relationship 

• Address customer queries, grievances, escalations etc. and ensure resolution to deliver customer delight.

 • Interact with customers on a regular basis to ensure satisfaction and gain useful feedback. 

• Engage with customers to identify their needs and suggest suitable products that can benefit the customer.

 Stakeholder Management 

• Manage relationships with landlords, negotiate and secure rental agreements.

 • Interact with internal stakeholders such as customer service, collections, sales team to seek/provide support to drive higher sales, on-time collections and for smooth functioning of the branch.

 • Monitor all HR related activities and support speedy resolution of HR related complaints and queries in consultation with regional/corporate HR.

 • Liaison with external agencies such as police, advocates for resolving customer related issues, litigations, and other statutory issues.

 Team Management 

• Conduct goal setting for the team and provide required training/capability related support to ensure targets are achieved on monthly basis.

 • Identify best practices/ R&R ideas, recognize employee achievements, and encourage excellence in the work environment.

 • Participate in hiring process to identify the right talent for positions in the branch.

 • Organize on the job training, roll out training programs for branch personnel and ensure they possess the level of product knowledge necessary to effectively promote/sell Muthoot’s products and services.

 • Supervise, train and mentor the branch team and build an environment where they constantly improve and learn.

 Compliance

 • Uphold the vision & values of the organization, ensure adherence to Manual of Instructions, regulatory and statutory guidelines, and maintenance of records, assets, statutory registers, etc. 

• Ensure prompt intimation of incidents/fraudulent activities and maintain updated data on status of such cases through IMS. 

KEY CHALLENGES

 • Retention of employees in a highly competitive environment

 • Promotion and sales of multiple financial services beyond gold loans

 • Engaging with support functions to effectively address and resolve issues. 

KEY DECISIONS TAKEN 

• Sign-off on all gold loan applications 

• Setting up of marketing calendar, plan for sales and promotional activities in the branch. 

• Hiring, retention and other people related decisions. 

KEY INTERACTIONS

 Internal Stakeholders 

External Stakeholders 

 KEY ROLE DIMENSIONS 

Portfolio Size: 5-10 Crores AUM 

Team Size: 2-8 

EDUCATION / EXPERIENCE 

Minimum Qualification: Freshers with Post graduation in Sales & Marketing

1. Focus on mid and hard bucket collection.2. achieve recovery targets .3. Daily cash collection, reporting& depositing      collection amount at branches.

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,500 Tideans globally – we’re diversity champions!
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg.

ABOUT THE ROLE

The essential duties of the Senior Operations Analyst – KYC include collecting and organising data from various sources, building reports and assisting internal stakeholders with analysis. This position will be responsible for the execution of periodical reports for external stakeholders, such as banks and other organisations.

Some of the things you’ll be doing are:

• Monitoring inbound work volumes, analysing any abnormalities and identifying potential concerns. This data will be required to be presented in a digestible format to all major stakeholders. 
• Working closely with the Operations Manager to enhance team efficiency.
• Collaborating with Operations Analysts and Operations Managers from other departments to improve effectiveness across all business units.
• Collaborating with other teams such as Financial Crime, KYC, Compliance, Member Support and Product.
• Collecting and organising information for the day-to-day report, operations team.
• Preparing regular or ad-hoc analysis of different data sets.
• Using graphs and other methods to visualise data to stakeholders.
• Investigating any abnormalities in the inbound work volumes.
• Monitoring KPIs performance metrics.
• Preparing periodical and ad-hoc reports for internal or external stakeholders.
• Providing recommendations for process improvements.
• Monitoring and assigning day to day inbound volumes to the various teams in operation, reporting daily SLA for each of the workstreams.
• Has knowledge on advanced excel.

WHAT WE ARE LOOKING FOR

• Proven track record in process optimization and performance analysis in an operational setting.
• Strong analytical and problem-solving abilities, with experience in interpreting data and translating it into actionable recommendations.
• Proficiency in data analysis tools such as SQL, Looker, Excel, Tableau, or Power BI.
• You have exceptional listening, doubt solving capabilities and analytics skills.
• You are willing to work in a shared shift pattern (As per business requirement)
• Excellent communication skills, both written and verbal, with the ability to present complex data in a clear and actionable way.
• Ability to work under pressure, prioritize tasks, and manage multiple projects simultaneously.

WHAT YOU’LL GET IN RETURN:

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members’ diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

 
Disclaimer
 
It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide’s Recruitment Privacy Notice.

Experience Level

Senior Level

Role – Credit Manager – KMPL Support Services-Credit

Minimum experience of 3 years under Retai credit underwriting.

Minimum qualification MBA Finance or CA.

Job Role

· To evaluate the credit worthiness of various customers applying for car loans, within the prescribed TAT and deciding on the right risk mix for the particular customer.

· Actively involved in portfolio management which includes understanding the market and monitoring the portfolio.

· Launching of products based on the market peculiarities which will facilitate business, with adequate mitigants with regard to risk.

· Monitoring delinquency parameters through constant interactions with the collections team, analyzing trends and suggesting learnings out of the same.

Job Requirements

Skills/Knowledge prerequisites

Knowledge of the location / area is an essential criteria.

Well versed in the local language apart from Hindi and English.

Good knowledge of interpreting financial trends.

Experience Level

Mid Level

About the company

SBI Card is a leading pure-play credit card issuer in India, offering a wide range of credit cards to cater to diverse customer needs. We are constantly innovating to meet the evolving financial needs of our customers, empowering them with digital currency for seamless payment experience and indulge in rewarding benefits. At SBI Card, the motto ‘Make Life Simple’ inspires every initiative, ensuring that customer convenience is at the forefront of all that we do. We are committed to building an environment where people can thrive and create a better future for everyone.

SBI Card is proud to be an equal opportunity & inclusive employer and welcome employees without any discrimination on the grounds of race, color, gender, religion, creed, disability, sexual orientation, gender identity, marital status, caste etc. SBI Card is committed to fostering an inclusive and diverse workplace where all employees are treated equally with dignity and respect which makes it a promising place to work.

Join us to shape the future of digital payment in India and unlock your full potential.

What’s in it for YOU

1. SBI Card truly lives by the work-life balance philosophy. We offer a robust wellness and wellbeing program to support mental and physical health of our employees
2. Admirable work deserves to be rewarded. We have a well curated bouquet of rewards and recognition program for the employees
3. Dynamic, Inclusive and Diverse team culture 
4. Gender Neutral Policy
5. Inclusive Health Benefits for all – Medical Insurance, Personal Accidental, Group Term Life Insurance and Annual Health Checkup, Dental and OPD benefits
6. Commitment to the overall development of an employee through comprehensive learning & development framework

Role Purpose

Responsible for fulfilment of credit card applications (KYC, surrogate document collection & MID completion) across all open market retail sales channels with accuracy, within TAT & within the budgeted cost, via managing a team of contracted staff.

Role Accountability 

1. Achieve application fulfilment targets across all retail sales channels in the geography assigned
2. Generate new accounts by managing timely fulfillment of OLA & Paytm Cobranded cards
3. Ensure daily productivity management of doc boys (3rd party contract staff)
4. Ensure that cost per application is maintained within budgetary limits
5. Ensure adherence to processes to control frauds and data leakages within assigned territory
6. Perform efficient territory allocation and route planning for staff to enhance logistical efficiencies
7. Collate and share performance metrics data for own territory to enable periodic MIS preparation
8. Ensure timely adoption of technology changes/enhancements to application fulfillment within the team

Measures of Success 

1. Fulfilment Ratio of Open Market applications (% of total applications)
2. Cost of Fulfillment per application
3. NFTE Productivity Target Achievement
4. Fulfilment TAT
5. Fulfilment & new accounts generation of OLA & Paytm applications 
6. Fulfilment Ratio of STP (Sprint) Applications
7. Fulfilment Ratio of Add-on Appointments
8. Count of OVD Cases cured through eKYC

Technical Skills / Experience / Certifications

Basic knowledge of Credit cards Sales, Distribution and Fulfilment process

Competencies critical to the role

1. Stakeholder Management
2. Result Orientation
3. Process Orientation
4. Detail Orientation

Qualification 

Graduate/Post Graduate MBA (Preferred) in any discipline from a recognized university.

Preferred Industry

Credit Card, BFSI Industry , Any

Experience Level

Mid Level