KJMC - Vice President - Lending Operations

Job Description Profile for NBFC Lending Business

KJMC Financial services Ltd. is a part of KJMC FINSERV GROUP - The company is Listed on the BSE. It is an NBFC headquartered in Mumbai. The company is looking for candidates for growing its Fintech enabled retail Lending business across products such as Vehicle Loans, personal loans, LAP, MSME loans and also proposed foray into Affordable Housing Finance. )

Job Title : V.P - Lending Operations

Level/Post: Vice President

Location: Mumbai

Experience : 7 years minimum

Qualification : CA / MBA / CAIIB

Joining : 0 - 30 days

Remuneration : Fixed plus variable/ esop (milestone based)

Job Description

a) Loan Product Design / Loan Suite Evaluation

b) Manage Lending Operation (Customer acquisition /Loan originations/Sales, Customer on boarding, KYC, Credit Check Disbursements, Documentation, )

c) Loan Management (Collections, Banking, collateral management )

d) Credit Underwriting / Risk Management

e) Resource Raising / Securitisation, Banking Operations

f) Liaising with Regulatory Authorities and Banks etc.

g) Overlook Compliance

h) Setup and Manage Team and Branches

i) DSA Setup, establishing tie ups with dealers/ developers etc.

j) Tie-up with other Fintech Platforms / Banks and Larger NBFC's for Co-lending

Experience / Knowledge (7 plus years experience )

1) Experience in Retail Lending (fintech enabled lending) (Preferably Ex- Banker from Private sector / Ex- NBFC / Ex- FINTECH or Senior DSA )

2) Deep Knowledge of Loan Products like

- Vehicle Finance (2 wheeler, 3 wheeler, 4 wheeler / commercial vehicles)

- Loan against Property

- SME Business Loans

- Education Loans

- Consumer Loans

- Equipment Finance

- LAS /Margin Trading

- Home Loans

3) Knowledge of Borrower KYC/E-KYC Process

4) Knowledge of Credit underwriting for Retail Borrowers & Credit Scoring

5) Knowledge of Loan Amortisation, FOIR, IIR & NPA Rules

6) RBI Compliances and NPA rules

7) Technology / Software Knowledge related to Lending (LOS and LMS software and CRM integration )

8) Liason with Regulators

9) Knowledge of Raising Loans from Banks, Securitisation, Assignment etc.

10) Knowledge of Co-Lending business and Distribution business (DSA)

11) NBFC Software systems (LOS + LMS )

Note : People to apply who are currently in the salary bracket of 10 to 20 lakhs per annum and not more.