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I.I.T.Main Gate

Andheri

Job Title: Sanction Head

📍 Location: Andheri East, Mumbai
 🏢 Company: Fintech Cloud Pvt. Ltd.

About the Role:
We are seeking an experienced Sanction Head to lead the credit underwriting and loan approval functions for our personal loan business. The ideal candidate will have deep expertise in credit assessment, policy formulation, and risk management within the NBFC or fintech sector. This role requires strong decision-making skills, analytical acumen, and leadership capability to ensure high-quality credit decisions and portfolio health.

Key Responsibilities:
Credit & Sanction Management
Lead the end-to-end credit underwriting and sanctioning process for personal loan applications.
Evaluate and approve loan proposals as per credit policy and delegated authority limits.
Ensure adherence to regulatory guidelines, internal policies, and risk frameworks.
Identify risk indicators, policy deviations, and fraud patterns to minimize credit losses.

Policy & Process Governance
Formulate, review, and enhance credit policies and standard operating procedures (SOPs).
Collaborate with product and risk teams to refine eligibility criteria, documentation, and workflows.
Conduct regular audits and checks to ensure compliance with RBI and internal standards.

Portfolio & Performance Monitoring
Monitor portfolio performance across approval, delinquency, and default trends.
Implement corrective measures to maintain a healthy and balanced loan book.
Work with collections, risk, and business teams to analyze early warning signals.

Team Leadership & Training
Lead and mentor a team of credit managers and underwriters.
Conduct training sessions to enhance underwriting and decisioning capabilities.
Foster a culture of accountability, accuracy, and continuous improvement.

Cross-Functional Collaboration
Coordinate with sales, operations, product, and technology teams to ensure efficient loan processing.
Support automation initiatives to improve sanction turnaround time and efficiency.


Qualifications & Requirements:
Education: Graduate / Postgraduate in Finance, Commerce, or Economics; MBA preferred.
Experience: 2–3 years of experience in credit underwriting or sanctioning (preferably in unsecured personal loans).
Skills:
Deep understanding of credit policies, financial analysis, and regulatory compliance.
Strong analytical, decision-making, and leadership skills.
Proficiency in credit bureau analysis (CIBIL, CRIF, Experian) and loan origination systems (LOS).
Excellent communication and stakeholder management abilities.




Sanction Head - Personal Loan

Key Responsibilities:
Identify and source potential customers interested in loan products (personal loans etc.).
Explain loan products, features, eligibility, and documentation requirements to customers.
Generate leads.
Achieve monthly and quarterly sales targets as assigned.
Assist customers in completing loan applications and ensure accuracy in documentation.
Coordinate with credit, operations, and other departments to ensure timely loan processing and disbursal.
Maintain regular follow-up with customers to build long-term relationships.
Ensure compliance with company policies, guidelines, and regulatory requirements during the sales process.
Provide feedback and market insights to the management for product and process improvements.

Key Skills & Competencies:
Strong communication and persuasion skills.
Customer-centric approach with problem-solving ability.
Ability to work under targets and pressure.
Good knowledge of financial products and loan processes.
Basic computer literacy (MS Office, CRM tools).



Sales Executive

Job Title: HR Generalist:

📍 Location: Andheri East, Mumbai
🏢 Company: Fintech Cloud Pvt. Ltd.

Job Summary:

We are seeking a proactive and dynamic HR Generalist to manage end-to-end human resources functions, including recruitment, employee engagement, performance management, and compliance.
The ideal candidate will be well-versed in HR operations and passionate about creating a positive, high-performing work culture. This role offers the opportunity to work closely with leadership teams in a fast-growing Fintech/NBFC environment and contribute to strategic HR initiatives that support business growth.

Key Responsibilities:

 Talent Acquisition & Workforce Planning:

Lead end-to-end recruitment for all departments, build scalable hiring strategies to support growth, and drive employer branding initiatives to attract top talent.
Create and update job descriptions.
Source potential candidates using databases and various online channels (e.g., social media and professional platforms like LinkedIn).
Draft recruitment emails to engage passive candidates.
Screen incoming resumes and application forms.
Conduct candidate interviews.
Maintain management information systems (MIS).
Promote job vacancies on social media, job boards, and through referrals.
Shortlist eligible candidates and report to the HR manager.
Schedule interviews.
Perform onboarding formalities for new hires.


HR Operations, Compliance & Data Management:

Oversee HR policies, payroll, performance management, and compliance. Ensure smooth onboarding and offboarding processes, maintain accurate employee records, and manage HR CRM systems for effective communication and engagement.


Employee Engagement & Culture:

Foster a positive, inclusive, and high-energy workplace culture. Organize engagement, wellness, and leadership development programs, and act as a trusted advisor for employee concerns.





HR Generalist

Job Title: Personal Loan - Collection Executive
Department: Collections
Location: Andheri East, Mumbai
Company: Fintech Cloud Pvt. Ltd.

Job Summary:

We are looking for a motivated and responsible Collection Caller to manage overdue personal loan accounts. The role involves contacting customers, following up on pending payments, and ensuring timely recovery in line with company policies and compliance standards.

Key Responsibilities:

Make outbound calls to customers with overdue personal loan EMIs.
Remind and follow up with borrowers for timely payment.
Negotiate and convince customers to make payments as per agreed timelines.
Update the system with accurate call details, payment commitments, and status.
Coordinate with field collection executives for escalated cases.
Ensure compliance with company and regulatory guidelines during communication.
Achieve assigned collection targets and maintain high customer service standards.
Handle customer queries, resolve issues, and maintain a professional tone at all times.


Required Skills & Qualifications:

Minimum HSC (12th pass); graduate preferred.
1–2 years of experience in personal loan or unsecured loan collections (voice process).
Good communication and negotiation skills in English, Hindi, and Marathi.
Basic computer knowledge and experience in CRM/dialer systems.



Collection Executive / Officer

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Fintech Cloud Private Limited Jobs - 4 Verified Vacancies

Sanction Head - Personal Loan

Sales Executive

HR Generalist

Collection Executive / Officer