URL: www.ariscapital.in/
Aris Capital was founded to create access to financial products and capital for the common people of our country. We know how difficult it is for anyone in a small town or village to get access to capital to start and grow his or her business. We know how complicated the process can be and how inconvenient it often is. We know how many unscrupulous middlemen can be involved and how they prey on poor unsuspecting people and their lack of knowledge. Aris Capital wants to make a difference in the lives of these people and create accessibility and transparency - an enabling environment. So we can grow, they can grow, and our country can grow - towards peace, prosperity and happiness for all.
Location: Kolkata
Required: Fresh Graduate 2016, 2017, 2018 - B.Com, Economics, Statistics, Mathematics with 70%
1. Portfolio Manager
Enquiry / Lead Generation Activities
Meet with Applicants to Determine Loan Needs
Identification of Customer – Need Based
Gather Loan Information Based on Specific Loan Needs
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, and other
financial information.
Involving in Approval of loans within specified limits
Review loan agreements to ensure that they are complete and accurate
according to policy.
Documentation (Credit Policy) and discussion on terms of financing.
Collection – ACH / ECS / PDC / Cash Collection
Recovery – Persuasion / Pressurisation / Trade-Off / Repossession
Notices
Statement of Account (SOA) / TBC / Arrears / DPC or DPI
Aware about our Additional Loan & Services to the customer
Field Investigation (CPV and TRC)
Vehicle Inspection
2. Credit
Analyse applicant’s financial status, credit and determine the feasibility of
granting loans.
Appraiser & approval
Identification of Prospective customer
Field investigation about Creditworthiness.
Assessing the customer potential to do business and repay.
Assessing the value of securities including vehicles to be hypothecated.
Field Verification Report
Vehicle verification Report
Vehicle valuation Report
Linking Viability with Justified Instalment and Loan Amount and assessing the
security offered accordingly.
Identification of purpose for vehicle requirement
Applicant’s details verification
Signature verification
Documentation of Borrower and Guarantor
Tele Verification Report
Dupe Report (Customer, Guarantor & Vehicle)
CV – Operating Economics (Viability Sheet)
3. Finance
Policy Frame Work & Implementation after management approval
Supervise credit operations & guide them in case of any dispute with branch
regarding finance proposal and policy deviation.
Branch Operations, Respond to the branch queries, Mentoring of all H.O and Branch
staff
Business Strategy, Planning & Implementation
Vigilance for suspicious transaction and activity & bring in knowledge of top
management
Observe market condition : related to business, product, government policies and
inform to the Management for necessary updation
Assets disposal : Settlement , Vehicle sales (In case of Principal loss)
Vehicle releasing approval from parking yard
NPA working & monitoring, default supervision through MIS report and inform to the
top Management
MIS NPA, Vehicle sales, Principal loss, matured – un-matured, other various MIS
Look after GRID working & Implementation after Management Approval,
Attend various management meetings, Presentation of various performance report of
company
Coordinate with various agencies for support business services and ensure proper
functioning
Cash Flow and Fund Flow Management
Various Approval and Recommendation related to branch / Business operation
Branch Profitability & performance monitoring, Administration, Cost Control
CTC: Rs.6/- to 8/- lacs pa ( as per your experience)
Interested students are requested to mail their RESUME at: sxcplacementcell@gmail.com by mentioning "FOR ARIS"
Please save your RESUME file in YOUR NAME only
Last date: August 28, 2018
