Relationship Manager / Senior Relationship Manager
Business / Department:
Cholamandalam Distribution services limited
MG2 / MG 3
Chennai, Bangalore, Kolkata, Hyderabad, Mumbai
Job Purpose:
The candidate would be expected to bring in High Networth Individual customers to the company for Investment Advisory services provided by the company. The candidate would also have to keep the relationships for the company and provide all required service levels as per the company policy.
Key Accountabilities:
  • Bring 20-30 customers to the company
  • Generate revenues and AUM for the company as per the expectation
  • Give Club Chola service to the customers as per the company processes
  • Advise clients on a range of products viz. Mutual Funds, Life Insurance, Retail Insurance, PMS in stocks and MFs, securities broking, derivatives, bonds and all the products promoted by the company
Job Duties & Responsibilities :
  • Bring Club Chola customers to the company for advisory services
  • Manage these relationships following the company guidelines
  • Provide relevant services as per the Club Chola process module
  • Certify oneself with AMFI and IRDA advisory modules
  • Continuously strive for creating customers through references
  • Strive for continuous self-learning
Experience :
  • Minimum 2 years work experience, preferably in advisory services or personal financial consulting role in a leading MNC/Private sector bank
Education / Preferred Qualifications :
  • MBA/PGDBM preferably in Marketing with Finance as a Minor
  • AMFI/IRDA/NCFM certifications would be preferred qualifications
Core Competencies :
  • A go-getter with killer instincts
  • An optimist
  • High self-esteem
  • High on initiative
  • Assertive and expressive
  • Eloquent and mild mannered
  • High energy quotient
  • Good communication skills preferably with 3-Language capabilities
Business / Department:
Internal audit
MG 3
Delhi, Chennai, Vijayawada
Job Purpose:
The incumbent is responsible for reviewing and assessing processes , controls and practices, as well as related procedures according to the yearly audit plans approved by the Audit Committee. The purpose of these assessments is to provide the Company’s management, the Audit Committee and the Board an independent, objective assurance and consulting activity designed to add value and improve Chola’s operations.
Key Accountabilities:
Responsible for analyzing data for internal audit, gathering data for internal audit; communicating results of internal audit to stakeholders; establishing quarterly audit plan and audit programs; and following-up on audits and organizations for implementation of recommendations.
Job Duties & Responsibilities:
  • Conducting internal audit at various locations across India.
  • Identifying control gaps & discusses audit findings with the branches/businesses and makes effective compliance Plan.
  • Conduct audit testing of specified area and identify reportable issues and dimension of risk.
  • Determine compliance with policies and procedures.
  • Draft comprehensive and complete report of audit area.
  • Around 0-2 yrs into internal audit of NBFC/banks
Education / Preferred Qualifications:
  • CA
    * Should be traveling atleast 15days per month for internal audit.
Business / Department:
Cholamandalam Distrubution services limited
Dep Manager/Asst Manager
Delhi, Mumbai, Bangalore
if applicable
Reports To:
Area Sales Manager
Job Purpose:
    Cross Sell of all Financial Products to VF Customers & Open Market in the respective Catchment
Key Accountabilities:
  • To lead the team of Team Leaders & Sales Executives and ensure the Execution of Sales activities and delivery of Business targets agreed
  • Work Closely with the VF team to Penetrate into their Customer base for MI renewal and Cross sell of Fee based income Products
  • To ensure the team is making minimum no of Business Calls per day and track them on a daily basis and ensure the achievement of Sales targets
  • To provide proper handholding for the field executives and strengthen the team with minimum attrition
  • To drive incentive schemes effectively to enhance performance and retention
  • Devise and implement training programs for the sales team to improve knowledge levels
Job Duties & Responsibilities:
  • Managing Training and Handhold the Team to generate maximum Productivity to Meet the assigned Targets
  • Product wise Focus and drive and delivery of the Targets and productivity
  • Co ordinate with Management Team for all supports for the field and Customers
  • Maximise the productivity by driving the team using all the tools available to enhance the Business
  • Develop and manage training programs to enhance effective customer interface and cross sell
Regional Receivables Manager - Vehicle Finance
Reporting to:
Zonal Receivables Manager
Rajasthan, Uttar Pradesh, Uttarakhand, Madhya Pradesh, Delhi, Punjab, Hariyana and Maharashtra
Key Purpose of the Job:
The role holder is responsible for managing the collections portfolio in the region. Managing the Collections team in the region and controlling delinquncies is also a critical part of the role.
Education Qualification / Skill sets required:
  • Graduate in any discipline
  • Minimum 10 years of experience, with at least 8 years in the Collections function
  • Must have handled a large team
Key Responsibilities:
  • Lead and manage the team of Field Collection Executives, BRMs & ARMs in the region
  • Develop strategies to minimise delinquencies, achieve targets and control costs in the region
  • Liaise with the Legal team and ensure adherence to SOPs, Process Note Manual, Code of Conduct and other applicable norms
Task Analysis:
Indicative Tasks Competencies
1. Lead and manage the team of Field Collection Executives, BRMs & ARMs in the region
Monitor targets and review the collection list for the region
Review the Collections in the Branches and Area offices in the region vis-à-vis targets
Analyse Collection efficiency and formulate plans for implementing collection efficiency
Review and monitor the performance of the Collection teams on a regular basis
Ensure that teams are adequately trained on SOPs, legal compliance
Ensure that contingency plans are in place for manning the collections team
Review performance and identify potential incumbents for higher responsibilities during expansion of teams
Review escalated customer complaints and methods of resolution, conflict and crisis management at the Branch & area level
Provide guidance and support to team to enable superior performance
- Market Perspective
- VF know-how
- Analytical Skills
- Planning
- Taking Conversations
- Judgement
- Team Management
- Coaching
2. Develop strategies to minimise delinquencies, achieve targets and control costs in the region
Analyse potential Non Performing Assets and address these cases along with ARM/ BRM
Review chronic cases, Non Starters, Early Defaulters, Non Performing Assets and Cheque Bounces and ensure that they are maintained within budgeted limits
Monitor and keep a close track of Collection Costs in accordance with budget
Analyse cases of NPA for repossession of vehicles and approve, as necessary
Monitor shortfall recovery closely which will minimise bad debt
Make personal visits to high ticket customers and customers with large over dues, as necessary
Review cases under litigation
Conduct regular and periodic review meetings to track and be abreast of all collection cases in the region
Work with reports to track, monitor and take collective action to ensure collections efficiency and performance
Evaluate and recommend vendors, including yard owners, valuers, etc., as and when appropriate
Develop and enhance knowledge of market in order to control delinquencies and eliminate fraud
Analyse and provide inputs to Credit & Sales teams on emerging trends, patterns in customer behaviour, collections performance across the region
- Analytical Skills
- Market Perspective
- Taking Conversations
- Judgement
- Emotional maturity
- Synergy
- Sense of Urgency
- Going the Extra mile
3. Liaise with the Legal team and ensure adherence to SOPs, Process Note Manual, Code of Conduct and other applicable norms
Ensure that statutory and legal norms are followed
Periodically liaise with legal team on the status of cases under litigation
Review the SOPs and recommend changes, additions, as appropriate
Provide inputs and recommend advocate or senior counsel for empanelment to Corporate legal at HO
Liaise with the Legal team during appeals / summons in court
Oversee legal transactions for the region, including costs, expenses, etc.
- Operational Expertise
- Analytical Skills
- Synergy
Position Title:
Relationship Manager/ Sr. RM - Equity
Business / Department:
Cholamandalam Securities
MG1/MG2 / MG3
(if applicable)
Reports To:
Branch Equity Manager
Chennnai, Hyderabad, Kolkata, Bangalore and Vijayawada
Job Purpose:
Sales – responsible for addition of customers and achieving the income target.
Key Accountabilities:
  1. To identify and acquire the customers
  2. Maintaining the relationship with the customers
  3. Retention of customers
  4. To cross-sell the third party products
  5. To ensure to reach the revenue target
Job Duties & Responsibilities:
Acquiring new and prospective customers
  • Understanding the requirements of the prospect
  • Providing them with advices that helps them to sort out their problems in investment
  • Ensuring future business from those prospective customers in the long run
Maintaining cordial relationship with the existing clients
  • Understanding the current needs of the clients
  • Designing an investment option suitable to the clients
  • Solving at their investment problem and providing advisory services
  • Ensuring that the customers are satisfied and maintaining good relationship with them
Ability to generate large sales
  • To build cordial relationship with HNI clients
  • To build good network of prospective customers
  • To target on those clients willing to take up high speculative trading.
  • 3 + Years of expe
Education / Preferred Qualifications:
  • Graduation
  • Should have competent knowledge in security market is preferred
Technical Competencies:
  • NCFM certified in Capital markets
Work Relationships:
  • Good at team work
  • Ability to keep clients engaged through interaction with the immediate superior and research team
  • Maintaining harmonious relationship with peers, superiors, subordinates and clients
  • Cordial relationship with clients to help them in choosing an investment alternatives and ensuring long term relationship with them
  • Ability to take an initiative and drive the same
  • Ability to learn the best practices from peers, subordinates and superiors
  • Ability to implement processes
  • Good at reporting
Position Title:
Business / Department:
Cholamandalam Securities
MG 1
Reports To:
Chennai, Coimbatore, Salem, Bangalore, Mangalore, Hyderabad, Delhi and Vijayavada
Job Duties & Responsibilities:
    • Executing orders on behalf of clients, conversant with back office software, interact with various depts.. like RMS, accounts for client related queries, new clients acquisition, generate brokerage from clients.
    • 1-2 yrs in equity markets
    Education / Preferred Qualifications
    Core Competencies
    • B Com preferable, however other streams also can be considered
    Technical Competencies
    • NCFM ( cash and derivatives segment) certification
Position Title:
Branch Manager/Branch Equity Manager
Business / Department:
Cholamandalam Securities
Reports To:
Area Equity Manager / Regional Equity Manager
Direct Reports:
Area Equity Manager/Regional Equity Manager
Job Purpose:
To Head the branch/Team and is accountable to the profitability of the branch along with other key responsibilities
Key Accountabilities:
  • Branch profitability, compliance,
Job Duties & Responsibilities:
    • To handle the branch operations, sales and is accountable for the profitability of the branch
    • Minimum 3-5 years of experience preferably in relevant role
    Education / Preferred Qualifications
    Core Competencies
    • Gradutate/Preferbly Post Graduate
    Technical Competencies
    • Should have knowledge about branch operation
    Unit Organisation Chart
    • Dealer/RM-BEM-AEM-REM-Head Equity
Position Title:
Branch Sales Manager Home Equity - Dy. MGR
Business / Department:
Home Equity
Jaipur, Surat, Nagpur, Indore, Hyderbad, Vijaywada, Bangalore, Chennai, Madurai, Coimabtore, Delhi, Ludhiana, Kota, Udaipur, Ahmedabad, Mumbai, Pune, Belgaum
Reports To:
Regional Sales Manager - Home Equity
Job Purpose:
Will be responsible for driving the Sales team to achieve the goals and targets. Has to co-ordinate and support the DMAs to achieve the targets set for each of them.
Key Accountabilities:
  • Driving the Sales of CIFL at the Branch Level.
  • Maintaining Relationship and guiding the DMA's in achieving the company targets.
  • Develop new Strategies for deep market penetration.
  • Provide information about changes required in the services suggested by the DMAs for necessary action to the RSM.
Job Duties & Responsibilities:
  • Responsible for designing new strategies in order to enhance the entire productivity of the branch
    • Work in co-ordination with the DMA’s to design new plans to expand customer base.
    • Develop sales plan keeping in mind the individuals varying needs for Home Equity.
    • Suggest changes in the current sales plan to enhance productivity.
    • Keep a close watch over the working of other players in the Personal Loan Business.
  • Responsible for day-to-day operations of branch sales team
    • Will be responsible for the branch sales number, hence has to work on improving the sales number at the branch level.
    • Monitor the periodic performance of the each team and encourage competition among each team.
  • Provide leadership to DMA’s team;
    • Provide the requisite guidance to the DMA’s whenever required by them.
  • Set and monitor performance objectives for the branch. Ensure that company standards are adhered to by all branch sales staff
    • Continuously review and appraise the performance of the DMA’s.
    • Design and run sales incentives and promotions for sales staff and channels
  • Directly interact with large ticket customers
    • Have direct face-to-face relationship with customers with huge loans.
    • Providing necessary suggestions or changes in the plan taken by customers
  • Minimum of 6 years’ experience in a bank or a financial institution, currently dealing with asset products as marketing or a sales officer
  • Basic understanding of the HE Business and the various products
Education / Preferred Qualifications:
  • University degree
  • MBA preferred but not essential
Core Competencies:
  • Good network across the market
  • Strong Selling skills
  • Ability to manage the team well
  • Good inter-personal and communication skills
  • Good Relationship Management skills
  • Ability to take Quick Decisions
  • Self starter, plus ability to work hard
Technical Competencies:
  • Knowledge of the Home Equity business and products.
  • Sharp analytical & selling skills
  • Customer segmentation - tools and benefits
  • Good knowledge of power point / excel and other office packages
Work Relationships:
  • Ability to own the numbers target without being directly responsible.
  • To work well with peers - in collection, credit, etc
  • To influence well teams at lower levels.
Unit Organisation Chart:
  • Relevant section to be pasted from master Organisation Chart
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