Loan Manager

NICE is a leading general insurance aggregator firm in Raipur, specializing in motor insurance, renewals, claims processing, and now expanding into loan services (motor loans, personal loans, business loans). We combine traditional insurance expertise with AI-powered customer engagement (voice bots/avatar calling) to deliver seamless financial services.

📌 Job Summary

हमें एक Senior Loan Consultant Manager चाहिए जो loan acquisition, processing, documentation, customer service, aur cross-selling — सब संभाल सके। यह एक "1 Man Solution" role है जहाँ candidate को end-to-end loan operations independently handle करना होगा।

Ideal Candidate:

• 2-5 years loan processing experience (motor/personal/business loans)
• Hands-on documentation, compliance, risk assessment
• Insurance + loan cross-selling में interest
• Excel, CRM, WhatsApp  में comfort
• Raipur local market में network

📋 Key Responsibilities

1. Loan Acquisition & Customer Engagement

• New loan customers को acquire करना (walk-ins, telecaller leads, referrals)
• Customer को loan options समझाना (motor, personal, business loans)
• EMI options, interest rates, processing fees explain करना
• Insurance + Loan bundle cross-selling (motor insurance के साथ motor loan)

2. Loan Processing & Documentation

• Loan application form fill-up aur document collection (KYC, income proof, bank statements)
• Credit score check aur debt-to-income ratio calculate करना
• Financial eligibility assess करना (income, employment stability, credit history)
• RBI/NBFC compliance guidelines follow करना
• Loan files bank/NBFC में submit करना

3. Risk Assessment & Fraud Detection

• Loan approve/reject recommendation देना
• Document fraud, fake income proof detect करना
• High-risk applications identify करना
• Bank underwriting team के साथ coordination

4. Customer Service & Follow-up

• Loan approval/rejection customer को explain करना
• Rejected customers को soft rejection देना aur alternative options suggest करना
• Loan disbursement ke baad follow-up (EMI payment reminders)
• Complaints resolve करना (de-escalation skills)

5. Sales & Business Growth

• Monthly loan targets achieve करना (volume + value)
• Local businesses, dealerships, agents से partnerships बनाना
• Telecaller team के leads को convert करना
• Insurance renewal customers को loan pitch करना

6. Admin & Reporting

• Daily loan pipeline update (Excel/CRM)
• Weekly/monthly reports prepare करना (approvals, denials, disbursements)
• Customer database maintain करना (confidentiality maintain)
• AI tools (voice bots, WhatsApp API) का use automation के लिए

✅ Qualifications & Skills Required

Category             Requirements

Education                          -Graduate (BA/BCom/BBA/Business/Finance any)

Experience                       -2-5 years as Loan Officer/Executive in Bank/NBFC/Agency

Loan Types                       -Motor loan, Personal loan, Business loan — experience

Technical Skills                  -Excel (VLOOKUP, Pivot Tables), CRM software, WhatsApp API

Process Knowledge       -Loan lifecycle (application → approval → disbursement → collection)

Compliance                      -RBI guidelines, KYC norms, documentation standards

Soft Skills                           -Communication (Hindi + English), negotiation, customer handling, stress management

Bonus Points                    -Insurance knowledge, AI tools awareness, Raipur local network

📊 Key Performance Indicators (KPIs)

KPI        Target

Monthly Loan Volume-                ₹25-50 Lakhs (disbursed)

Monthly Loan Count-                   20-35 loans

Conversion Rate-                           30%+ (leads → approved)

Average Processing Time-           3-5 days per file

Customer Satisfaction-                4.5+ stars (feedback)

Cross-sell Rate-                                25%+ (insurance + loan bundle)

Fraud Detection-                            100%

🎁 What We Offer

Benefit Details

Salary-                Competitive + Performance Bonus (up to 25% extra)

Growth-              Loan business head बनने का opportunity (future)

Technology-      AI tools (voice bots, avatars), CRM, automation access

Work Culture-  Small team, high ownership, direct owner interaction

Learning-            Insurance + Loan dual expertise develop होगा

Location-            Raipur office (no travel required)

📝 Work Hours & Policy

Hours: Monday - Saturday, 10:00 AM - 7:00 PM (1 hour break)

Sunday: Off

Leave Policy:  Festival Leave

Probation: 3 months (performance-based confirmation)

Notice Period: 30 days