Msme-multiple Roles- State Head/branch
- Atyati Technologies
- 5 - 10 yrs
- Bengaluru
- 7 years ago
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Desired Candidate Profile
In brief , we have got mandate to drive unsecured business loan and working capital from Syndicate Bank . The key features are as follows:-Upto 25 lacs unsecured ( maybe hypothecation of stocks and receivables )
-Working capital , working capital demand loan and term loan. -Here USP will be overdraft as such entities are generally funded by NBFC which cannot give Cash credit or Overdraft.
-Other asset products like mortgages and retail assets will be added in due course
-Likely to be backed by CGTMSE cover ( credit insurance)
-Certain minimum gating norms are to be met which are very --Practical and deserving businesses will get loan
-Pricing will be the USP. Private sector and NBFC lend in range of 18 to 22. Our will be appx 15.
-Bank statement analysis, ITR, GST , bureau analysis to be key contributors to the underwriting process. All digital
-Personal discussion by our underwriter is the most imp check point
-Third party Contact Point Verification at business and residence
-Each account will be relationship managed
-Each relationship officer will have tablet and we have access to Bank core banking as we are technology service provider as well
-Overall role is source, underwrite, justify fitment criterion and submit complete file to the bank for decision. Post disbursement do end use monitoring and collections as well.
-atyati will work as Business partner/ Business Correspondent which as per RBI can do KYC and open accounts directly.
State Head ( 1 Vacancy )
A State Head would require more than 10 years of exp
- some experience of managing unsecured business loans is must
- Location: North Karnataka
- Generally, all NBFC have business loan product. Unsecured Term loan for 36 months Eg
- HDB
- Team management exp would be advantage
- Background in credit will also do
- Basically a administrator who can set up , hire , guide , meet Syndicate senior team at North Karnataka.
Branch Managers(5-8 vacancies)
Should have experience of more then 5 years , Team handling experience must , he should be aware of same market and potential .
Branch Credit Managers(5-8 vacancies)
- Should have underwriting experience of Loans (Secured and Unsecured ), experience of underwriting should be more then two years or 300+ loans., should have bouncing and collection experience.
Business Development Manager(5-8 vacancies)
- Experience more then 4+ Years . Should have more then one year team handling experience. Knowledge of DST (Direct Sales Team) sourcing , cold calling etc.
Field Executive ( upto 25 vacancies)
- Experience more than 1.5 years , disburse files numbers should be more then 50 nos. Should have experience of cold calling
Locations:
1. Karnataka:
-Raichur
-Hubli
-Davangere
-Belgaum
-Bangalore
-Mysore
-Mangalore 2. Andhra Pradesh:
-Vijaywada
-Vizag
3. Telangana:
-Hyderabad
-Warangal
Education:
UG: Any Graduate - Any Specialization
Doctorate: Doctorate Not Required
Contact Details:
Keyskills: Direct Sales Business Development Management Bdm Cold Calling Team Management Team Handling Retail Assets Working Capital Term Loan Business Loan
Atyati Technologies
Atyati Technologies Pvt. Ltd. atyati Technologies is a fintech company focusing on products and services for the last mile. atyati was founded in 2006 by a group of technologists from iflex solutions. atyati was acquired by Genpact in 2012 and in September 2016 it became a 100% owned company of...
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