Rm - Loan Against Securities

21 hours ago

Kolkata West Bengal, India Nidhi Castings & Alloys Pvt. Ltd. Full time

Job Purpose:
Business Development and Profitability:

- To achieve the targeted loan book & NIM by selling CMG products in the assigned geography

to HNI & Retail segments. The role requires business development thru multi-sourcing channels;
direct acquisition, national alliances
- Client Lifecycle Management: Ensure loan account regularization on on-going basis in terms of

security value, interest payment as well repayment of loan and keep NPA under control.

Understand client needs and offer multiple LAS products.

Principal Accountabilities:
To deliver strong sales & budgeted NIM growth in the area:

- To achieve the budgeted business volumes
- To constantly focus on fee generating service offerings to meet the projected fee income
- The product segment includes Loan against shares/MF Units to Brokers, Retail clients; Loan

against Financing and Special opportunity financing.

To undertake new client acquisition, retention & growth:

- To map the target clients in the state and drive relationships with them to have a healthy

pipeline & regular disbursements
- To develop direct sales teams for faster customer connectivity
- To increase the client base by effective lead generation management, cross selling initiatives &
brand differentiation
- To maintain service standards and metrics of client satisfaction:

- To stay abreast of the client requirements and monitor the relationship from initiation to closure
- To ensure that client promises are kept and their grievances are adequately addressed or

highlighted
- To resolve issues related to client servicing in case of contingencies
- To keep abreast of the latest trends & competition, identify new customer satisfaction

parameters & report to the management

To ensure risk management, policy adherence & documentation:

- To be aware of all critical policies, processes & documentation for all the products & ensure

compliance
- To help the risk & review process by continually monitoring the client profile & the margin

shortfall within predetermined time limit

To ensure high standards of portfolio management(Margin regularization, market intelligence)
- The stock market volatility impacts the security value on continuous basis. Ensure proactive

regularization of margin shortfalls each time.
- To keep up breast of the latest developments in the local market & report for any indication of

customer defaults, trends etc.
- To maintain good quality lending book and manage stress /overdues (if any) by engaging

actively & proactively with all stakeholders.

To formulate MIS & present them to the management:

- To send periodic reports to HO for lead closure ratios, sales volumes, profit & status of new

product launches

To contribute in own development and skill enhancement:

- To ensure on-going self-development attend internal and external training programs, other

relevant certifications that enhances the skills in the financial sales services

**Salary**: ₹30,000.00 - ₹45,000.00 per month

**Benefits**:

- Leave encashment

Schedule:

- Day shift

Supplemental pay types:

- Yearly bonus

Ability to commute/relocate:

- Kolkata, West Bengal: Reliably commute or planning to relocate before starting work (required)

**Experience**:

- Loan origination: 3 years (required)
- Total: 3 years (required)

**Speak with the employer**
+91 8240889841

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