Careers

Eligibility

• Only retired officials from any Nationalised / PSU banks/ NBFC in the grade SMGS- II to SMGS-III shall be considered for engagement for the above positions.
• Only suitable person with good track record to suit our requirement will be engaged on contract basis.

The officers who was removed / dismissed from the bank’s service as disciplinary measures shall not be eligible.

Experience

Preference will be given to those officials who have worked in the Inspection dept / Internal Audit for min 3 years, with more exposure in retail asset audit & credit underwriting. Preference for the persons who have formulated RBIA framework & conducted IT audits.

Age Criteria

Age not more than 62 years as on 31.08.2021

Contract Period: One year

Scope of Work

The empanelled officials will be assigned primarily for the concurrent audit job in the identified HUB’s. However the empanelled officials will also be utilised to manage the HO back end operations, team management, functional audits & field visits.

Email Us: recruitment@samasta.co.in

Job Description – Chief Manager / AGM – (Internal Audit)

• Will be reporting to Head of Internal Audit
• Demonstrate strong leadership and effectively manage Retail Asset Audit Team across Pan India.
• Willing to travel across urban/rural branches of SMFL.
• Involves minimum 10-12 days of travel in a month across.
• Team Monitoring/ Mentoring/Training.
• Branch / RO visits.
• To Participate in the Zonal Meetings held by business team.
• To conduct Audit Team Review Meeting on a Quarterly/Monthly basis.
• Visiting Branches whenever there is fraud / cash misappropriation.
• Preparation of audit plan for all the products of retails assets.
• On real time basis escalate critical issues to the business team which requires immediate attention.
• Finalizing the audit report with quality recommendations for mitigating risk, controlling cost, plugging revenue leakage and enhancing operational efficiency / performance of the Areas audited.
• Responsible for compliance follow up for rectification of audit findings and implementation of audit recommendations and timely closure of audit reports.
• To bring out New initiative / ideas to improve process.

Skills Required

• Must possess strong communication skills with ability to participate in and reporting of issues to Management.
• Proficiency in Microsoft Office suite (Excel, Access, PowerPoint, Word, Visio), advanced levels of excel (pivot tables, formulas, excel workbook maintenance best practices).

Email Us: recruitment@samasta.co.in

Job Description

• Conduct retail asset branch audits and IGL audits as per Head Office Plan and guidelines.
• Discuss the findings on daily basis and conduct closure meeting with the auditee.
• Drafting the audit report with emphasis on review of the existing process/procedures and suggesting areas for improvement.
• Submission of draft audit report within the defined time.
• Updation of the audit checklist/procedures.
• Conducting surprise visit whenever asked by HO.
• Verify Branch register, reports, Administrative and HR related issues
• On real time basis escalate critical issues to the business team which requires immediate attention.
• Investigate frauds/misappropriation
• Conduct compliance checks and report for any field deviations.
• Prepare and submit audit reports within defined TAT.
• Follow up the compliance of the audit reports with the business team till the closure of the report.
• Discuss the audit findings during monthly team meeting with the respective state business heads.
• Update job knowledge on regular basis.

Skills Required

• Graduate / Post Graduate with accounting background.
• Excellent experience in auditing retail assets in NBFC.
• Effective communication and drafting skills.
• Capable of identifying the risk and evaluating the effectiveness of the internal control in place.
• Analytical ability.
• Knowledge of MS Word, Excel is Mandatory.
• Ability to plan, execute audits and meet the deadlines.
• Job requires extensive travelling across the specified region.

Email Us: recruitment@samasta.co.in

Job Description – Field Audit Executives/Officers/Asst. Manager

• Daily Reporting to Team Leader/State Head
• Conduct branch audits in his region as per the HO schedule within assigned man-days
• Personal visit and verify process adherence in Center meetings, Group formation, CGT, GRT, new member acquisitions, Dropout and death cases
• Verify Branch register, reports, administrative and HR related issues
• On real time basis escalate critical issues to the business team which requires immediate attention
• Investigate frauds/misappropriation
• Conduct compliance checks and report for any field deviations
• Prepare and submit audit reports within defined TAT
• Follow up the compliance of the audit reports with the business team till the closure of the report
• Update job knowledge on regular basis
• Discuss the audit findings during monthly team meeting with the respective state business heads

Skills Required

• Proficiency in Microsoft Excel & Microsoft Word
• Excellent written and verbal English communication skills
• Preference to candidates who are also good in regional languages
• Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situations
• Flexibility to adapt to a variety of engagement types, working hours and work environments
• Effective at inspiring and motivating team members in order to deliver high quality standards
• Recognizing the developmental requirements of team members and set goals to achieve them

Email Us: recruitment@samasta.co.in

Job Description – Audit Executives/Officers

• Primarily responsible for Sourcing, disbursements and collections of EMI on time.
• Sourcing of target clients as per organization policy
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Will be responsible for achieving monthly sales target assigned
• Analyze applicants’ Income, financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information.
• Review and update credit and loan files.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Compute payment schedules.
• Submit applications to credit officer for verification and approval
• Facilitate for disbursement of approved file
• Handle customer complaints and take appropriate action to resolve them.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans
• Recommend appropriate financial product or service to the customer
• Ensure quality customer service is delivered

Skills Required

• Proficiency in Microsoft Excel & Microsoft Word
• Excellent written and verbal English communication skills
• Preference to candidates who are also good in regional languages
  (Kannada/Tamil/Malayalam/Hindi/Marathi/Gujarati etc)

• Personal drive and positive work ethic to deliver results within tight deadlines and in demanding situations
• Flexibility to adapt to a variety of engagement types, working hours and work environments
• Effective at inspiring and motivating team members in order to deliver high quality standards
• Recognizing the developmental requirements of team members and set goals to achieve them

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  Email Us: recruitment@samasta.co.in

Job Description-Sales Officer

• Primarily responsible for Sourcing, disbursements and collections of EMI on time.
• Sourcing of target clients as per organization policy
• Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Will be responsible for achieving monthly sales target assigned
• Analyze applicants’ Income, financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information.
• Review and update credit and loan files.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Compute payment schedules.
• Submit applications to credit officer for verification and approval
• Facilitate for disbursement of approved file
• Handle customer complaints and take appropriate action to resolve them.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans
• Recommend appropriate financial product or service to the customer
• Ensure quality customer service is delivered

Email Us : recruitment@samasta.co.in

Job Description-Relationship Leader

• Manages and leads a team of sales officer, Communicates company goals, safety practices and deadlines to team. Motivates team members and assesses performance. Provides help to management, including hiring and training, and keeps management updated on team performance.
• Primarily responsible for Sourcing, disbursements and collections of EMI on time.
• Ensure target clients are sourced as per organization policy
• Ensure Sales officer Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Will be responsible for achieving monthly sales target assigned
• Ensure that Sales officer Analyze applicants’ Income, financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information.
• Review and update credit and loan files.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Compute payment schedules.
• Submit applications to credit officer for verification and approval
• Facilitate for disbursement of approved file
• Handle customer complaints and take appropriate action to resolve them.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans
• Recommend appropriate financial product or service to the customer
• Ensure quality customer service is delivered

Email Us : recruitment@samasta.co.in

Job Description Credit Appraisal of Retail Assets Loan(Secured & unsecured loans) applications within defined guidelines and accordingly take decision or recommend for approval to higher authorities. Under writing cases with desired level of quality and enabling achievement of Branch Business target by proper training. To evaluate proposals of customers for the assigned product. Interact with Customers & understand the business and regularly monitor delinquencies / infants. Decision making within defined TAT This position of Credit Manager will be responsible for doing the due diligence in terms of ensuring adherence to processes involved in credit buying, take appropriate credit decisions, to be aware on the general trends and updates on various industries so as to support appropriate decision making, among others.

Email Us : recruitment@samasta.co.in

Job Description-Relationship Leader

• Manages and leads a team of sales officer, Communicates company goals, safety practices and deadlines to team. Motivates team members and assesses performance. Provides help to management, including hiring and training, and keeps management updated on team performance.
• Primarily responsible for Sourcing, disbursements and collections of EMI on time.
• Ensure target clients are sourced as per organization policy
• Ensure Sales officer Meet with applicants to obtain information for loan applications and to answer questions about the process.
• Will be responsible for achieving monthly sales target assigned
• Ensure that Sales officer Analyze applicants’ Income, financial status, credit, and property evaluations to determine feasibility of granting loans.
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
• Obtain and compile copies of loan applicants’ credit histories, financial statements, and other financial information.
• Review and update credit and loan files.
• Review loan agreements to ensure that they are complete and accurate according to policy.
• Compute payment schedules.
• Submit applications to credit officer for verification and approval
• Facilitate for disbursement of approved file
• Handle customer complaints and take appropriate action to resolve them.
• Analyze potential loan markets and develop referral networks in order to locate prospects for loans
• Recommend appropriate financial product or service to the customer
• Ensure quality customer service is delivered

Email Us : recruitment@samasta.co.in