Career with Us

Desired Skills:

1. Good interpersonal skills.Result oriented with a positive outlook and ability to convince clients, seniors and subordinates across functions and be a solution provider.

2. Ability to analyze and think strategically.

3. System and process orientation.

4. Quality orientation.

5. Problem-solving ability.

6. Customer Service Orientation.

7. Entrepreneurial and able to build strong network.

8. Understanding on Loan origination and Management systems. (Experience on Pennant System preferred.)

9. Front End testing & flows understanding.

10. Preferred understanding on Databases & Data Science.

11. Experience on CRM & BI projects.

Key Responsibilities:

1. Collaborate with functional and business stakeholders to assess, recommend and build technology solutions for organizational needs.

2. Deliver technology solutions, End to End Project management and maintenance support.

3. Techno - Functional expertise of Business Analyst and Requirement Gathering.

4. To facilitate Digital Transformation projects and knowledge of API Integrations.

5. Leading the projects and meeting timelines as per project plans, Devise project plans and monitor progress, Helps define project scope, goals and deliverables. Accountable for deliverables and deadlines.

6. Project Updates to senior management and stakeholders on project progress with deviations if any and its solutions, Highlight Project Risks to internal and external stakeholders.

7. UAT management, CR implementations and support Production Support team, Bug and Release management.

8. Lead process of issue identification and resolution, offer viable solutions.

9. Manage and maintain all necessary project documentation with User Manual Preparation.

10. Internal Stakeholder and Vendor Management.

Desired Skills:

1. Graduate or Post graduate - Any Specialization. Prefer 1 - 6 yrs experience in direct selling.

2. Should have strong Sales orientation.

3. Leadership skills (Though more tactical than strategic).

4. Cost efficiency through process.

5. An immense interest in developing relationship with the customers.

6. Should have good communication & presentation skills.

7. Should be a self-starter, proactive & target oriented.

8. Should possess strong networking & relationship building skills.

Key responsibilities:

1. Responsible for new client acquisition, building new relationships and increasing depth in existing relationships with channels and clients.

2. End to end client relationship management and creating his/her own pipeline of clients.

3. Will work within the boundaries of our business model using expertise of the product group and complying with requirements and processes in place.

4. Initiating contact with potential customers for developing leads, direct sales & cross selling financial products.

5. Resolving of escalated grievances and queries of individual and corporate clients on a day- to-day basis.

6. Developing the satisfaction level of customers by rendering services beyond excellence in order to optimize a high percentage of customer satisfaction and retention.

7. Responsible for achieving targets as assigned by the organization on a monthly basis.

8. Understands clients risk profile and maximizes the - risk vs. reward- balance for individual clients by optimizing product mix.

9. Comply with KYC/SEBI rules, regulations, and legislation governing the financial services industry.

Niyogin is looking for an energetic, passionate and result oriented Senior Manager/ AVP- Marketing. This position directly reports to the Chief Business Development Officer.

Desired Skills:

1.  Analytical ability to understand and transform data into decisions and powerful stories

2.  Well suited to the startup environment - flexible, adaptive, self-motivated and fast learner

3. Demonstrated ability to operate both strategically and tactically in a high-energy, fast-paced environment.

4. Entrepreneurial driven strategic thinking and ability to lead and drive critical business functions such as Brand, Marketing, Products, E -commerce is an essential requirement.

5. Track and report on Performance KPIs across all acquisition channels to optimize ROI, including highlighting potential investment tradeoffs between all CPA-based activities (Paid Marketing, Partnerships/Co-marketing, Referrals, Promotions etc.

6. Demonstrated capability of developing and implementing marketing programs that target specific channels to promote services or products.

7. Experience in driving fast user growth for a direct-to-consumer or large scale B2B SME online product/service.

8.  Understanding of the local digital and offline media landscape.

Key Responsibilities:

Channel Marketing (60%)

1. Ideate, design and execute effective and impactful communication elements to consumers across different touch points– online & off-line.

2. Partner with Field Sales team to support sales operations (e.g., creating, executing and measuring promotions, optimizing sales operations costs etc.)

3. Measure and analyze existing projects for opportunities to improve the customer experience and reduce costs. Optimize allocation of marketing development funds and execution of included projects

4. Measure and improve offline experience and improve productivity of our retail assets, through ongoing retail audits.

5. Drive marketing programs and partner campaigns

6. Work closely with online team to support them in their marketing initiatives, and ensure consistency in Consumer experience in online & offline channels

7. Drive and pilot new marketing initiatives

8. Drive Monitor and benchmark competition.

Digital Marketing (40%):

1. Plan and execute all Web, SEO/SEM, Marketing Database, Mobile & E-mail, Social media and Digital Display advertising campaigns- Build Digital Brand Equity.

2. Ensure that all campaigns are planned, tracked and operate towards specific business and growth objectives. Measure and optimize on performance - ROI, retention, engagement etc.

3. Plan and manage the budget to achieve optimum CAC per acquisition.

4. To devise, implement and run innovative campaigns in line with budgets.

5. Create and maintain metrics reports to showcase the health of the campaigns.

6. Continuously implement new fraud detection and prevention mechanism to improve the user quality.

7. Manage strong business relationships within the digital ecosystem. Understand and manage dynamics to drive best practices in this function.

8. Stay up-to-date with digital marketing trends and potential new channels and strategies, including updates on attribution, programmatic media buying, social media acquisitions.

9. Collaborate with internal teams to create landing pages and optimize user experience.

10. Evaluate emerging technologies. Provide Digital Thought Leadership and perspectives.

Preferred Experience:

1. 8-10 years’ experience with 3-5 years of experience in channel marketing.

2. Proven hands-on expertise in running & scaling digital & offline marketing channels.

3. Presently working in a similar capacity with Internet / Banking / Insurance / FMCG / E-Commerce industries.

4. Strong communication & presentation skills.

5. Experience of starting or working in a startup is a plus.

• Responsible for new client acquisition, partner acquisition building new relationships and increasing depth in existing relationships with channels and clients.
• End to end client/partners relationship management and creating his/her own pipeline of clients/partners.
• Will work within the boundaries of our business model using expertise of the product group and complying with requirements and processes in place.
• Initiating contact with potential customers for developing leads, direct sales & cross selling financial products.
• Resolving of escalated grievances and queries of individual and corporate clients on a day-to-day basis.
• Developing the satisfaction level of customers by rendering services beyond excellence in order to optimize a high percentage of customer satisfaction and retention.
• Responsible for achieving targets as assigned by the organization on a monthly basis.
• Understands clients risk profile and maximizes the - risk vs. reward- balance for individual clients by optimizing product mix.
• Comply with KYC/SEBI rules, regulations, and legislation governing the financial services industry.
• For Job Location click here

• Sourcing Unsecured Business Loan (UBL) cases in the market/region through Partner Network / Reference.
• Lead a result-oriented team and is responsible for managing the Cluster profitability Ensuring high quality service and optimal Network Relationship Management.
• Conduct periodic strategic review of the business portfolio across the locations allocated.
• Define and implement necessary strategies and processes to ensure high level of performance.
• Collaborate with other functions (Operations, Marketing, Credit etc.) to ensure sales team gets the necessary support to develop and grow business and achieve targets.
• Generate leads through various activities - Seminars, Deployments, local engagement etc.
• Resolving customer queries to help proper loan sanction & disbursement.
• Maximize performance of sales team by identifying training needs and ensure delivery of training takes place.
• Maintaining punctuality, discipline and high level of morality in tune with the ethics & values of Niyogin.
• Cost control.

Job Responsibilities will also include

• Financial assessment of SME clients and sourcing to be in line with the credit policy/norms.
• Assess the customers based on customer financial documents, FI report, Bureau reports (CIBIL, etc.) and Personal Discussion.
• Smartly figuring out customer's credential and perform tele-verification of the customer Should conduct risk analysis and mitigation of risk at your level
• Ensure timely disbursals after loan sanction
• Periodic monitoring of customer and business and look for early warning signals
• Monitor the performance of the portfolio based on Non-Starters & Early Delinquency across sourcing channels, products, customer segments, etc.
• Resolve audit queries if any and to avoid same in future

• Responsible for new client acquisition, partner acquisition building new relationships and increasing depth in existing relationships with channels and clients.
• End to end client/partners relationship management and creating his/her own pipeline of clients.
• Will work within the boundaries of our business model using expertise of the product group and complying with requirements and processes in place.
• Initiating contact with potential customers for developing leads, direct sales & cross selling financial products.
• Resolving of escalated grievances and queries of individual and corporate clients on a day-to-day basis.
• Developing the satisfaction level of customers by rendering services beyond excellence in order to optimize a high percentage of customer satisfaction and retention.
• Responsible for achieving targets as assigned by the organization on a monthly basis.
• Understands clients risk profile and maximizes the - risk vs. reward- balance for individual clients by optimizing product mix Comply with KYC/SEBI rules, regulations, and legislation governing the financial services industry.

• Serve a designated portfolio of corporate accounts in the Supply Chain Finance business segment 
• Develop the portfolio by prospecting new clients and offering suitable supply chain financing services to existing customers 
• Achieve various individual business targets and contribute to the team performance
• Prepare credit proposals for approval by the Credit team 
• Conduct regular portfolio review and take proactive measures to ensure credit quality
• Provide guidance, coaching and support for junior teammates where required

• Manage western region initially and pan India for unsecured loans for SMEs/MSMEs
• Involve in Policy and Process development and implementation
• Manage process for Credit Approvals, Controls and Risk management
• Monitor credit quality of the accounts in the portfolio
• Liaise with clients, externals and internal team ask subject expert for risk and credit
• Focus on leakages and critical controls pertaining to risk and credit systems
• Should involve in technology development in terms of decision automation
• Team Handling experience is a must

• Manage western region initially and pan India for unsecured loans for SMEs/MSMEs
• Involve in Policy and Process development and implementation
• Manage process for Credit Approvals, Controls and Risk management
• Monitor credit quality of the accounts in the portfolio
• Liaise with clients, externals and internal team ask subject expert for risk and credit
• Focus on leakages and critical controls pertaining to risk and credit systems
• Should involve in technology development in terms of decision automation
• Team Handling experience is a must

• Conceptual Thinking

• Statistical modelling

• Sourcing SME Unsecured Business Loan (UBL) cases in the market through DSA Network / Reference
• Lead a result-oriented team and is responsible for managing the channel and portfolio profitability.
• Ensuring high quality service and optimal Network Relationship Management
• Conduct periodic strategic review of the business portfolio across the locations allocated.
• Define and implement necessary strategies and processes to ensure high level of performance.
• Collaborate with other functions (Credit, Operations, Marketing, etc.) to ensure sales team gets the necessary support to develop and grow business and achieve targets
• Generate leads through various activities -Seminars, Deployments, local engagement etc
• Resolving customer queries to help proper loan sanction & disbursement.
• Maximize performance of sales team by identifying training needs and ensure delivery of training takes place.
• Maintaining punctuality, discipline and high level of morality in tune with the ethics & values of Niyogin
• Cost control is very important.
• Financial assessment of SME clients and sourcing to be in line with the credit policy/norms.
• Assess the customers based on customer financial documents, FI report, Bureau reports (CIBIL, etc.) and Personal Discussion.
• Smartly figuring out customer's credential and perform tele-verification of the customer Should conduct risk analysis and mitigation of risk at your level
• Ensure timely disbursals after loan sanction
• Periodic monitoring of customer and business and look for early warning signals
• Monitor the performance of the portfolio based on Non-Starters & Early Delinquency across sourcing channels, products, customer segments, etc.
• Resolve audit queries if any and to avoid same in future
• Recommend changes in existing policies and suggest new requirements as per market requirements and opportunities.
• Ensure adherence to KYC / AML screening requirements of the organization
• Ensure that there is no compromise on the Quality of Credit & maintain a heathy portfolio

• Pre-Disbursement Activities - Oversees daily execution of documentation in full compliance with internal standards and external regulatory requirements.
• Loan Booking – Ensure to conduct check and balances as per sanction terms Create customer accounts
• Disbursal Activities – Process disbursement before the mandatory cut off given by regulators
• Repayment Activities – Track fund credit, prepare repayment Schedule, collect and check NACH registration, Keep track of bounce data
• Risk, Efficiency and Control – Ensure compliance to all the risk and control aspects specified in the policy guidelines
• Audits – Facilitate frequent and various type of audit exercise
• Reconciliation Activities – Conduct quarterly reconciliations activity of all PDC, UDC,MIS
• Secure Storage of Transaction Documents – To Keep all transactional documents properly in safe custody

• Good Experience in Sales & Business Development.
• Build relationships and engage with customers- Create plans to address clients business needs
• Schedule regular meetings/updates with customers to ensure they are satisfied- Manage end to end customer communication
• To achive client acquisition and serving of exsiting client for revenue growth objective
• Should be comfortable making phone calls and daily email reach outs, generate interest, qualify prospects and close sales.
• Connects with new prospective clients and Follow ups.To fix appointments with clients and plan on ground events.
• Act as point of contact for complaints and escalate issues as appropriate-Collaborate with internal teams to address customers needs.
• Secondary research to be carried out regularly before calling the prospective clients to deliver Sales Pitch Submit timely and accurate activity reports and maintain an effective sales funnel to track opportunities.
• Daily reporting of performed tasks to your Reporting Manager with details.
• Background in customer service-Experience tracking relevant KPIs (e.g. customer satisfaction)-Proficient in MS Office, with working knowledge of CRM platforms
• Respond to escalated client concerns and work with stakeholders including Operations, Finance,Access and Engagement.

• Should have deep understanding of digital architecture ie Web, portal etc
• Should have worked on Mobile application development with vendors and strong understanding of platform
• Strong understanding of Loan originating system, loan management system, collateral management system and collect toon management system
• Understanding of rules engine and workflow capability
• Understanding of SOA architecture, framework and platform
• Strong stakeholder engagement capability
• Vendor management capability
• Understanding and implementation of CRM project
• Should have worked on transformation projects like analytics etc from programme management perspective
• Good communication and presentation skills

• Strategy and Leadership:

• • Designing and keeping the process fresh to align with customer acquisition, retention and maintaining strong relationship

  • Ensure customer satisfaction at each interaction, within a defined TAT, and create case studies to provide recommendations for service enhancement

  • Taking initiative and removing in-efficiencies from the system

  • Drive necessary initiatives with other teams to achieve niyogin’s Overall Goal

  • Handling overall performance of team

  • Training the team on Selling Strategy - Convincing customers to submit all the documents digitally and bringing out clearly the company's USP vis--vis competition

  • Preparing Pitch Scripts & presentation decks for the team along with team leads

  • Coordination with Tech team for consistently adding features which can improve team efficiency

  • Quality Checks via Audits for applicable processes

  • Implementing best practices for Customer Service to lead maximum customer satisfaction

  • Leading the Renewal Calling and Conversion

  • Leading the Referral Program through Customer Calling

  • Razor sharp Focus on making customer journey simpler to ensure maximum conversion and consistently reduce frictions

  • Working Closely with Marketing team to ensure conversion of Leads to Hot Leads digitally as well

  • Working with Credit to ensure team understands the Policies well and conduct regular training for updating team on documents required etc

  • Coordinating Pricing and Amount with Customers along with team and ensuring least Post Sanction dropouts

  • Facilitating administrative and operational supports to the team of Channel Partners for smooth functioning

• Analytics:

• • Capacity, shift-management, escalation-management and BCP planning to ensure that we are available for our customers, when they need us

  • Defining metrics and tracking Daily, weekly and monthly numbers

  • Root cause analysis

  • Monitor and maintain the quality of interaction with customers (Audits & Quality Improvements).

• Relationships:

• • Create a transparent working environment to ensure associates voice is heard and if necessary appropriately acted upon.

  • Attrition Handling

  • Training of Agents

  • Maintaining a strong culture of identifying problems and solving them.

• Sourcing Unsecured Business Loan (UBL) cases in the market through CA Network / Reference.
• Lead a result-oriented team and is responsible for managing the Cluster profitability.
• Ensuring high quality service and optimal Network Relationship Management
• Conduct periodic strategic review of the business portfolio across the locations allocated.
• Define and implement necessary strategies and processes to ensure high level of performance.
• Collaborate with other functions (Operations, Marketing, Credit etc.) to ensure sales team gets the necessary support to develop and grow business and achieve targets.
• Generate leads through various activities - Seminars, Deployments, local engagement etc.
• Resolving customer queries to help proper loan sanction & disbursement.
• Maximize performance of sales team by identifying training needs and ensure delivery of training takes place.
• Maintaining punctuality, discipline and high level of morality in tune with the ethics & values of Niyogin.
• Cost control.
• Financial assessment of SME clients and sourcing to be in line with the credit policy/norms.
• Assess the customers based on customer financial documents, FI report, Bureau reports (CIBIL, etc.) and Personal Discussion.
• Smartly figuring out customer's credential and perform tele-verification of the customer Should conduct risk analysis and mitigation of risk at your level
• Ensure timely disbursals after loan sanction
• Periodic monitoring of customer and business and look for early warning signals
• Monitor the performance of the portfolio based on Non-Starters & Early Delinquency across sourcing channels, products, customer segments, etc.
• Resolve audit queries if any and to avoid same in future
• Recommend changes in existing policies and suggest new requirements as per market requirements and opportunities.
• Ensure adherence to KYC / AML screening requirements of the organization
• Ensure that there is no compromise on the Quality of Credit & maintain a heathy portfolio

• Core responsibilities include Finalization of Accounts, MIS
• Understanding of Practical application of Indian Accounting Standards, companies act.
• Practical Knowledge of Taxation - Direct and Indirect.
• Manage and oversee the daily operations of the accounting.
• Maintenance of day to day books of accounts.
• Monitor and analyze accounting data and produce financial reports or statements.
• Coordinate and complete Quarterly/Annual audits Liaising with auditors pertaining to all statutory audits.
• Ensuring compliance with Income Tax, GST etc. Ensure on time filing of statutory returns with 100% accuracy.
• Proven knowledge of bookkeeping and accounting principles, practices, standards, laws and regulations.
• Accounts payable.
• High attention to detail and accuracy.
• Preparation of Balance Sheet.
• Preparation of Monthly Financials & related reports.
• Responsible for coordination of Corporate Audit Statutory & Internal.
• Monitoring & Co-ordination of Statutory Compliances & related Schedules.
• GL Review & Reports.
• Audits & Assessments

• • Responsible for coordinating and data submission related to Audits - External and Internal

  • Responsible for Preparation of data, reports required for Tax Audit, Statutory Audit and attending audit queries

  • Co-ordinate for GST Audits and Income Tax Assessment

  • Monitor and Verify all Payments to Third Party Vendors

• Analysis of business parameters
• Strong in Budgeting and Variance analysis
• Regular frame work of MIS including Dashboards ant various frequency
• Dynamic update with bench marking with industry, Ratio analysis
• Demonstrating a proven track record and work in a fast paced business finance environment
• Adapting to change on a regular basis and deliver quick and accurate analysis to executive management
• Ability to deal with different departments within company
• Gathering and interpreting complex financial data
• Collaborating with key parties across the business to incorporate all relevant information into financial analytics to develop executive insights and perspectives, identify business trends, and recommend action plans.
• Developing recommendations and executive reports for management and perform analysis of financial data related to operations, business performance, opportunities, and investments.
• Managing the day to day operations of multiple functional areas and play a vital role in a variety of special finance projects, key analytical areas, and core functions supporting the organization

• Business

• • Preparation of Draft Monthly Financials as per format

  • Preparation of half year and year end financials in Schedule III format as per requirements of Companies Act, RBI guidelines and ICAI pronouncements.

  • Analysis & Review of Trial Balance and identification and rectification of wrong entries in a timely manner

  • Verification and monitoring of monthly schedules

  • Responsible for timely Tax payments after reconciliation with books

  • Maintain monthly, quarterly trackers on TDS and GST in put credit of all regions

  • Review of Loan repayment and interest provision entries

  • Responsible for sending MIS/ Reports to Regional Accounts Manager on allocation

• Internal process:

• • Assist Core project team for solution deployment within the set timeline

  • Co-ordinate with related parties on key deliverables at different stages of implementation as well as inputs for interface with various systems

  • Discuss Project status with key stakeholders at regular intervals.

  • Preparation of department wise monthly Cost Center Report.

  • Co-ordinate with Financial Analysts for preparation of Budget Vs Actuals Report on monthly basis.

• Should have managed treasury investment in various instruments, working capital management and borrowings
• Should be well versed with Treasury operations.
• Should have dealt with rating agencies.
• Knowledge about different type of treasury instruments – Mutual Funds, Bonds, Debentures (Listed and unlisted), PTC’s.
• Suggest measures for improvement in liquidity and investments
• Responsible for Treasury operations including knowledge of legal & compliance requirements (like FEMA), Compliance with NBFC regulations, cash management with investment of surplus cash in FDs and manage banking relationships.
• Publishing of weekly, monthly and Quarterly updates on entire investment Portfolios with all the key parameters.

• Independently design and integrate Machine Learning/AI projects to build India’s first digital lending platform.
• Manage and Lead software developers in projects
• Establish test procedures for quality assurance
• Understand the market landscape and company vision to draw insights from exploratory analysis of the data
• Design and develop data strategy for the product/company