-Upto 25 lacs unsecured ( maybe hypothecation of stocks and receivables )
-Working capital , working capital demand loan and term loan. -Here USP will be overdraft as such entities are generally funded by NBFC which cannot give Cash credit or Overdraft.
-Other asset products like mortgages and retail assets will be added in due course
-Likely to be backed by CGTMSE cover ( credit insurance)
-Certain minimum gating norms are to be met which are very --Practical and deserving businesses will get loan
-Pricing will be the USP. Private sector and NBFC lend in range of 18 to 22. Our will be appx 15.
-Bank statement analysis, ITR, GST , bureau analysis to be key contributors to the underwriting process. All digital
-Personal discussion by our underwriter is the most imp check point
-Third party Contact Point Verification at business and residence
-Each account will be relationship managed
-Each relationship officer will have tablet and we have access to Bank core banking as we are technology service provider as well
-Overall role is source, underwrite, justify fitment criterion and submit complete file to the bank for decision. Post disbursement do end use monitoring and collections as well.
-atyati will work as Business partner/ Business Correspondent which as per RBI can do KYC and open accounts directly.
State Head ( 1 Vacancy )
A State Head would require more than 10 years of exp
- some experience of managing unsecured business loans is must
- Location: North Karnataka
- Generally, all NBFC have business loan product. Unsecured Term loan for 36 months Eg
- Team management exp would be advantage
- Background in credit will also do
- Basically a administrator who can set up , hire , guide , meet Syndicate senior team at North Karnataka.
Branch Managers(5-8 vacancies)
Should have experience of more then 5 years , Team handling experience must , he should be aware of same market and potential .
Branch Credit Managers(5-8 vacancies)
- Should have underwriting experience of Loans (Secured and Unsecured ), experience of underwriting should be more then two years or 300+ loans., should have bouncing and collection experience.
Business Development Manager(5-8 vacancies)
- Experience more then 4+ Years . Should have more then one year team handling experience. Knowledge of DST (Direct Sales Team) sourcing , cold calling etc.
Field Executive ( upto 25 vacancies)
- Experience more than 1.5 years , disburse files numbers should be more then 50 nos. Should have experience of cold calling
2. Andhra Pradesh:
Salary: Not Disclosed by Recruiter
Industry:Banking / Financial Services / Broking
Functional Area:Sales, Retail, Business Development
Role Category:Retail Sales
Role:Sales/Business Development Manager
Employment Type:Permanent Job, Full Time
Desired Candidate Profile
Doctorate:Doctorate Not Required
Atyati Technologies Pvt. Ltd.
atyati was founded in 2006 by a group of technologists from iflex solutions. atyati was acquired by Genpact in 2012 and in September 2016 it became a 100% owned company of Metdist Limited ("Metdist"), an investment holding company of Lord Raj Bagri, CBE and his family. The Bagri family business was started by Lord Bagri in the 1970s and comprised of metal trading and manufacturing interests in non-ferrous metals with business spread across Europe, Malaysia and India. The group has recently diversified into a number of consumer facing sectors. In addition to atyati Technologies, it owns a web design and digital agency - Indivirtual; an iconic luxury hotel in Goa and a branded denim business in India. Metdist is a long term business builder, leveraging both its expertise in growing companies and also in its extensive international network of relationships. The Group has a distinct set of family values and is people oriented in its approach.
With a reach of 24 million active customers, 30,000 villages and 13,000 CSP's and growing, atyati has witnessed significant growth in last few years and has been very successful in partnering with large public sector banks and a few private sector banks. Today the company has grown to a team of 200+ employees with more than 50% of the employees involved in creating robust technology features and solutions for the last mile / microfinance sector. The rest of the workforce is involved in delivery of the solution and field services.
Contact Company:Atyati Technologies Pvt. Ltd.