Executive – Post Terms

Key Responsibilities:

• Customer Interaction:

  • Make outbound calls to clients whose loan terms have been approved by the Credit Team or DS Model.

  • Engage clients in discussions about loan terms, including loan amount, interest rate, tenure, processing fees, Document charges, insurance charges, and cross-sell products.

  • Negotiate loan terms, handle client queries, and convince them to proceed with the loan.

  • Seek approval from management in case of any changes in the interest rate, processing fees, insurance charges or cross-sell.

  • Take client acceptance via email / OTP based acceptance / VERLOOP acceptance for the offered loan terms.

• Documentation & Verification:

  • Collect and verify individual and business KYC details, along with relevant banking and financial documents from the client.

  • Ensure client names are checked against banking records,BRP, PAN, and other OVDs.

  • Collect references from the client.

  • Do the bank account verification by Penny Drop process.

  • Inform clients about the next steps in the loan process, including VKYC process, loan agreement signing, PDC, and agent visits for agreement signing and FI.

  • Fill the Doc details page as per the client and application.

  • Check all the relevant information is filled in the application, as per Lender requirements.

  • Collect 2nd BRP / Udhyam Aadhar for all cases.

• Collaboration & Move the Application Ahead:

  • Once all documents and verifications are in place, transfer the case to the Agreement team for loan agreement generation.

  • In case of discrepancies or missing information, follow up with clients to gather necessary documents and resolve ASK.

• Target Achievement:

  • Meet and exceed monthly sales targets.

  • Ensure high-quality customer interactions while adhering to company guidelines and protocols.

• Customer Satisfaction:

  • Provide clear and transparent communication to clients about the loan process, ensuring they are well-informed at every stage.

  • Strive for excellent customer service, aiming to enhance the overall customer experience.

Qualifications & Skills:

• Education:

  • Graduation in any stream.

• Experience:

  • 1-2 years of experience in customer service, tele-calling, or any client-facing role is preferred.

  • Experience in the loan/financial services industry is a plus.

• Skills:

  • Strong verbal communication and negotiation skills.

  • Ability to build rapport and effectively engage with customers.

  • Attention to detail and excellent organizational skills.

  • Ability to work under pressure and meet monthly targets.

  • Proficiency in using MS Office tools (Excel, Word) and basic CRM systems.

• Behavioral Attributes:

  • Customer-focused with a problem-solving mindset.

  • Ability to multitask and prioritize effectively.

  • A goal-oriented, self-motivated individual who thrives in a team environment.