1. Position: Manager/Assistant Manager-Internal Audit

Position Summary: The Manager/Assistant Manager would implement overall compliance of processes at branch level thereby minimizing error and business risk.

Title: Manager/ Assistant Manager- Internal Audit

Department: Internal Audit

Management Grade: M3

Supervises: Sr Executive and Executive-General Audit

Key Responsibilities:

  • Update the about progress of work at branch levels to Sr Management team
  • Maintain reports.
  • Overlook implementation, monitoring and follow-up of the loan accounts at all branches.
  • Ensure risk monitoring activities at district, branch and field levels.
  • Ensure parameters of a good health portfolio at branches is communicated.
  • Conduct surprise verifications of all Finance/accounts related activities at branch level.
  • Ensure that system audit of the branches are conducted from time to time.
  • Ensure capacity building programs for existing staff of the branches towards minimizing risks.
  • Ensure that motivational workshops for customers towards minimizing risks are conducted. Participate as and when required.
  • Ensure Maintain zero default status at all branches in the district.
  • Review  improvement in any other risk area
  • Ensure Reconciliation of bank statement.
  • Ensure overall team management.

Basic Competencies (Knowledge, Skills and Behaviours) and Qualifications Required:

Educational Qualification Post Graduate in any stream/ CA Inter/Cost Inter
Experience 7-15  relevant years in NBFC/MFI/ Banking Sectors.
Functional Skills and Knowledge i) Proficient in MS Excel.

ii) Basic numerical ability

iii) Data Interpretation

iv) Computer Skills-MS Office

v) Fluent in local language

Basic Behavioural Skills required Communication– Seeks and shares information, ideas and thoughts with clarity and in a logical manner. Listens and responds to others’ effectively. Builds trust with clients and team.

Presentation Skills– Ability to conduct oneself as an impactful speaker with proper understanding of the requirements.

Customer Focus– Understands and responds to customer needs, builds and maintains rapport with customers; communicates actively with the customer. Strong customer advocate.

Problem Solving– Grasps new concepts and information, understands and interprets facts and figures related to daily work, provides solutions to simple day to day problems

Self Management Skills (Result Orientation)– Manages and organizes work to meet commitments and deadlines (often under pressure), aligned with the expected standards of quality and productivity

Leadership Skills-Good leadership skills like listening, delegating and an overall maturity of taking the team together and managing conflicts.

 

  1. Sr. Executive/ Executive Training

Position Summary: Sr. Executive/ Executive Training is responsible to ensure that the training needs of the employees are met through the proper planning and implementation of trainings from time to time.

Title: Sr. Executive/Executive

Department: Human Resource

Management Grade: M2

Reports to: Manager-Training

  • Design and develop training programs.
  • Conduct organization-wide training needs assessment and identify skills or knowledge gaps that need to be addressed.
  • Execute modules which are relevant to the training needs and business. Review and upgrade  existing modules.
  • Ensure developing and maintaining training calendar on a yearly basis.
  • Maintain updated curriculum database and training records.
Basic Competencies and Qualifications Required:

Educational Qualification Graduate in any stream
Experience Executive: 3-7 yrs Relevant Training experience in NBFC/Insurance/Banking/MFI Industry
Functional Skills and Knowledge i) Basic numerical ability

ii) Data Interpretation

iii) Computer Skills-MS Office/MS Excel/Power point

iv) Fluent in local language

Location i) Kolkata & Siliguri

ii) The candidate will need to travel as and when required.

 

  1. Branch Manager-Operations

 

Position Summary: Branch Manager-Operations is responsible for the managing the entire microfinance operations of the assigned branch, keeping the overall business objective in mind.

Title: Branch Manager-Operations

Locations: West Bengal, Assam, Bihar, Jharkhand, Orissa, Uttarakhand, Sikkim, Tripura

Department: Operations

Management Grade: BM-M1

Reports To: Area Development Manager-Operations

Supervises: Operation Executive/ Customer Service Representative

 

Key Responsibilities:

  • Business development of the concerned branch
  • Training of staff
  • Capacity building programs for existing staff
  • Motivational workshops for customers
  • Trouble shooting activities at branch and field levels
  • Management of overdue accounts and defaulting borrowers
  • Develop manpower for recovery of default amount, if any
  • Maintain zero default status at branch
  • Optimum cash management at branch
  • Keep the management of VFSPL updated about progress of work at branch level
  • Appraise the performances of field level personnel
  • Conduct surprise verifications of field activities at branch level
  • The Sr. Branch Manager will be calibrating the branch manager. The responsibilities will be joint. The position is restricted to branches with high business volume as identified by the management.
Basic Competencies (Knowledge, Skills and Behaviours) and Qualifications Required:

 

Educational Qualification Graduate in any stream
Experience Minimum 4 years  Branch Operation experience in NBFC/MFI .
Functional Skills and Knowledge i) Basic numerical ability

ii) Data Interpretation

iii) Computer Skills-MS Office

iv) Fluent in local language

Basic Behavioural Skills required Communication– Seeks and shares information, ideas and thoughts with clarity and in a logical manner. Listens and responds to others’ effectively. Builds trust with clients and team.

Customer Focus– Understands and responds to customer needs, builds and maintains rapport with customers; communicates actively with the customer. Strong customer advocate.

Problem Solving– Grasps new concepts and information, understands and interprets facts and figures related to daily work, provides solutions to simple day to day problems

Self Management Skills (Result Orientation)– Manages and organizes work to meet commitments and deadlines (often under pressure), aligned with the expected standards of quality and productivity

Leadership Skills– Good leadership skills like listening, delegating and an overall maturity of taking the team together and managing conflicts.

 

  1. Title: Operation Executive (OEX)

Locations: West Bengal, Assam, Bihar, Jharkhand, Orissa, Uttarakhand, Sikkim, Tripura

Department: Operations

Band: M1

Reports To: Branch Manager-Operations

Position Summary: Operation Executive is responsible in assisting the Branch Manager in all respects in terms of internal as well as external operational issues.

Key Responsibilities:

  • OEX is required to identify new areas of operation, develop contacts and plan for necessary infrastructure under the guidance/consultation of BM.
  • OEX is required to follow up with the family member of deceased borrower in order to collect all Insurance Claim related papers, death certificate and send the same to Insurance department within stipulated timeline.
  • OEX needs to regularly survey market potential, demand, competition and project business projection.
  • Trouble shooting activities at branch and field levels
  • Managing Branch Backend Process Operation both manually as well as through computer/software.
  • Entry of data related to daily cash transaction, disbursement, collection etc.
  • Preparing and sending reports related to DCR & MIS to the H.O.
  • Management of overdue accounts and defaulting borrowers.
  • Assist Branch Staff in Recovery of default amount, if any
  • Support in maintaining zero default status at branch
  • Optimum cash management at branch
  • Maintaining the stock and inventory registers update.
  • Filing of office documents.
  • Achieving a high level of customer satisfaction: S/he shall maintain high degree of customer satisfaction by ensuring quick processing of loan applications, proper communication regarding loans etc.
  • Conducts Customer Awareness Training (CAT) in coordination with BM.
  • Carry out the Loan Utilization Check Process of borrower.

Basic Competencies (Knowledge, Skills and Behaviours) and Qualifications Required:

Educational Qualification Preferably Graduate in any stream
Experience 0-2 Years Experience.
Functional Skills and Knowledge

i) Basic numerical ability

ii) Data Interpretation

iii) Computer Skills-MS Office

iv) Fluent in local language

Basic Behavioural Skills required Communication– Seeks and shares information, ideas and thoughts with clarity and in a logical manner. Listens and responds to others’ effectively. Builds trust with clients and team.

Customer Focus– Understands and responds to customer needs, builds and maintains rapport with customers; communicates actively with the customer.

Problem Solving– Grasps new concepts and information, understands and interprets facts and figures related to daily work, provides solutions to simple day to day problems

Self Management Skills (Result Orientation)– Manages and organizes work to meet commitments and deadlines (often under pressure), aligned with the expected standards of quality and productivity.

 

  1. Title: Customer Service Representative

Locations: West Bengal, Assam, Bihar, Jharkhand, Orissa, Uttarakhand, Sikkim, Tripura

Department: Operations

Band: M1

Reports To: Branch Manager-Operations

Position Summary: CSR is responsible in developing business, maintain the portfolio quality as per the standard, Collection from Customer and shall assist the Branch Manager to achieve the overall Branch operational targets and objectives.

The CSR is accountable for the following:

  • To originate loan
  • To follow‐up and recovery of loan
  • To arrange technical assistance and support services to the customers.
  • To maintain zero default status of loan as originated by him/her at the concerned branch
  • To develop business

The nature of work of the Customer Service Representative (CSR) involves handling cash and other financial documents, on behalf of VFSPL, or any one or more of its constituent companies or customers thereof, including:

The cash handled for loan disbursements, loan repayments, deposits collected, deposit repayments, service charges, loan processing fee, technical support charges and any other fees collected or refunded and any other such amounts belonging to VFSPL;

The amount of advance availed by the CSR which is in excess of his service charges as may be specified from time to time, and any other loan or advance taken by the CSR from VFSPL or any of its collaborating agency or any of its customers;

The Customer Service Representative (CSR) shall be unconditionally responsible for the careful handling of all aforesaid financial resources, including cash and repayment of any amount due to VFSPL. The CSR shall remit all the cash collected from the Company’s customers to the Company’s bank account or purchase demand draft in favour of the Company or hand over the cash to the office or to Credit Executive and take acknowledgements for the transaction on a day‐to‐day basis.

The CSR can take decision to provide loan to any specific customer based on his/her assessment on the concerned person as per the policy of the organization if necessary.

Basic Competencies (Knowledge, Skills and Behaviours) and Qualifications Required:

Educational Qualification +12/Graduate in any stream
Experience Fresher. 0‐ 2 years in similar industry;
Functional Skills and Knowledge

i) Basic numerical ability

ii) Good Communication Skill in Local Language

iii) Good Communication Skill in Local Language

iv) Computer Skills‐MS Office

v) Fluent in local language

Basic Behavioural Skills required

Communication– Seeks and shares information, ideas and thoughts with clarity and in a logical manner. Listens and responds to others’ effectively. Builds trust with clients and team.

Customer Focus – Understands and responds to customer needs, builds and maintains rapport with customers; communicates actively with the customer. Strong customer advocate.

Problem Solving – Grasps new concepts and information, understands and interprets facts and figures related to daily work, provides solutions to simple day to day problems.

Self Management Skills (Result Orientation)– Manages and organizes work to meet commitments and deadlines (often under pressure), aligned with the expected standards of quality and productivity.

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