At Profectus Capital, we count on our team to make a difference in the SME Lending space. We offer progressive career paths to motivated young professionals across our branches.With our diverse workspace and vibrant working culture young professionals often excel in their careers with us.

Our current employee strength is nearing 500 and we aim to onboard close to 700 employees by this year-end. We have achieved an employee engagement score through an independent survey of 78%. We continue to design our employee engagement proposition around care, compassion & concern that provides an open culture to celebrate a spirit of enthusiasm, fun & excitement at work. So If you are a team player, enjoy challenges and have an eye for detail, Profectus Capital is the place to be.

Profectus Capital is an equal opportunity employer and makes no distinction based on caste, creed, religion, gender, and orientation.

Testimonials

Head-Sales-EML

“Bharat Mahapatra says, “Profectus is one of the youngest & fastest growing clustered oriented NBFCs to offer best possible experience & exposures to your career on lending to MSMEs"

Company Secretary-Legal & Compliance

“Nitin Pangarkar says, “Profectus is a professional organisation with strong promoter support, experienced management, employee oriented policies and transparent/positive company culture. Well-articulated Business model and risk management strategies of the Company reflects its vision to be an industry leader in coming years"

Head-Treasury

“Hemant Sethia says, “PCPL provides an excellent opportunity to participate in the growth of the company, develop multi-functional expertise and simultaneously create wealth like an entrepreneur"

Head - Product strategy & Product

“Kedar Deshpande says, “Profectus cultivates a culture of professional and personal excellence within each one of us"

Head-RCU & Collection

“Ganesh Aparaj says, “Profectus Capital provides a challenging working environment, with big opportunities to learn”

Head - IT Infrastructure and Security

“Suhas Kadam says, "'To make the most of my day and have the freedom to explore' are my fundamental longings. Profectus Capital's flexible protocols allow me to honour my fundamental longings and provide a wide spectrum to keep updating myself. It has been an incredible experience here in terms of the work culture. I must extend courtesy to all my colleagues and people of this organization for their high energy and team work spirit"

Head Policy & Supply Chain Credit , Risk - Policy

“Subhash Shetty says, “At Profectus, there is an amazing camaraderie across all functions, and it has such a wonderful culture where every opinion counts. Profectus follows an open-door policy, and the senior management is always accessible to all its employees. Also, there is a constant endeavour to train and empower people to take higher responsibilities”

Regional Collections Manager - Collections-Common

“R Karthikeyan says, “Profectus, the name has it! Progress and always committed to excellence. Benefits are increasingly expensive for businesses to provide to employees. Our company has all those benefits included. Not to forget, we provide perks to our employees to keep them going! We always are the shield to our employees and are employee centric. Helping them grow in every step of their career within our company. Joining Profectus will only show enthusiasm and not regression”

Regional RCU Manager- Risk-RCU

“Sridhar P says, “An Employee centric company with excellent Vision and Values. It’s really great place to work with perfect balance between work and life. Has lots of blooming career opportunities and it is up to employee how he makes use of it “

Regional Credit Manager-SME-North & East

“Vishal Vishnoi says, “PCPL is a young organisation with a contemporary, innovative and entrepreneurial approach that distinguishes it from its competitors. The ease to reach leadership creates appositive environment all around and it offers a very conducive opportunity to learn, grow and prosper with great work life balance.”

Head - IT Application

“Pavan Patil says, “Motivation is that critical element that makes the organization a great place to work. Profectus Capital is the place where People motivate People. Leaders at Profectus Capital believe and practice that Leadership is all about motivation“

Designation: Zonal Collection Manager
Reporting to: Head – Collection & RCU Team Resources (Any Reportee): All Area Collection Managers/Collection Managers
Product: Common Experience: 10 to 12 years
Location:

Desired Education: Graduate/ Post Graduate with relevant experience Role Proficiencies

JOB DESCRIPTION

• To achieve collection targets assigned to the territory by meeting collection target for the states or region assigned.
• Meeting the Target on Cost of Collections. Ensuring meeting PI Targets within cost limit specified.
• Ensuring legal guidelines are compiled for entire collection structure in letter and sprits.
• Ensure that the collection agencies and executives adhere to the legal guidelines provided by the law in force.
• Ensure adherence to the Code of Conduct.
• Continuously monitoring collection agencies and collection executives to identify fraudulent practices and ensure that no loss is incurred due to such activities.
• Keeping the write off per cent within risk pricing.
• Handle customer issues escalations.
• Feedback on credit policy based on market conditions.
• Approve waivers on PI as per delegation matrix.
• Ensuring documented feedback and action taken on all cases in soft buckets.
• Ensuring adequate Feet on Street availability area-wise / bucket-wise / segment-wise.
• Manage and put support mechanism for legal / police issues.
• Ensuring audit queries are complied with, ensuring corrective and preventive action.
• Manage productivity by fixing productivity parameters for DMA / Agencies / collection executives monitoring performance against set parameters and daily review of Area Managers and monthly review of Collection officers.
• Recruitment of collection officers / area managers.
• Constant evaluation of collection officers/area managers.

Core Responsibilities:

The key result areas (KRAs):

• Ensuring minimum addition to NPA
• To ensure maximum release from the NPA pool
• To ensure minimum forward flow from the buckets
• To ensure maximum recovery from 180+ and written Off Pool
• To ensure Compliance and adherence to the prescribed COC Ensuring minimum attrition rate

Desired Skill Set:

• For successful execution of the job, a candidate should possess the following:
• Knowledge of banking products and services
• Knowledge of regulatory guidelines and norms
• Good communication (both verbal and written) skill in both English and the local language
• Understanding of Collection and banking market dynamics.
• Team management experience

Apply Now

Designation: Branch RCU Manager
Reporting to: Area/Regional
Product: SME Lending
Experience: Minimum 3yrs in similar / lateral role
Desired Education: Graduate

Job Description:

• Monitor & Control RCU process.
• Carry out Screening & Sampling Activity as per the process & policy
• Monitor TAT location wise, have an analysis of the same
• Regular updates to RCU Samplers.
• Ensure error Free Agency Billing.
• Monitoring investigations & completion.
• Hind Sighting cases reviewing & reporting.

The key result areas (KRAs)

• RCU Screening / Sampling Process:

Adherence to the Process & Policies to run RCU Sampling & Screening across the locations for all products.
To equip RCU Agencies across all the locations of the Region.
To ensure Product-wise, location-wise & RCU Officer-wise TAT is maintained across the location.
Sound Coordination among departments & Agencies are maintained so as to carry hassle free RCU Process.
Performance review of RCU Agencies at regular intervals (Preferably half-yearly)
Time to time Circulation of MIS / Reports to the concerned team / departments.

• Agency Management:

Identification of new Agencies across the locations as per requirement.
To ensure Error Free Agency Billing. Bills for the current month are to be cleared by 15th of the subsequent month. Bills to be vetted by RCU Officers of respective locations.
Agency pay-outs have to be released within by 5-10 days of submission Finance & Accounts.
Process implementation at agencies.
Training to the Back-end team & verifiers at regular intervals (Preferably once in every 2 months) & minuted.
Visit to the Agencies at least once in quarter. Local agencies to be visited at least once in a month. Recording MOM for all such meetings.

• MIS / Reporting:

Regular Circulation of Reports & monitoring Agency MIS at locations where RCU Officers are not available.
Timely reporting, MIS consolidation after month end within 2nd of the subsequent month.
Month-end reporting to RCU Manager within 4th of subsequent month.

• Peer to Core Vigilance:

To communicate with Vigilance for investigations on Negative/Fraud cases and also on other cases as & when required.
Assisting vigilance team by providing qualitative & quantitative input from time to time.
Communicating with vigilance team for feedback & incorporating the necessary information to RCU process towards the scope of further improvement in process.

• New Initiatives & Self Development:

Identifying & Implementation of New Triggers based on ongoing Fraud Trends in the market.
Attending RCU Forums meet in the locations.
Attending Training programs as recommended & arranged by HR or departments.
To ensure setting goals, periodical review for self with supervisor & Reportees as per the laid down process.

• Customer Centricity:

Customers are to be visited during the Branch visit.

• Cross Functional Communications:

To put up sound communication with Cross Functions.
Co-ordination with Agency to smoothen the RCU Process on regular basis.

• Investigations:

Monitoring the Investigations carried out by RCU / Vigilance Team after referral to them.
Successful completion of investigation of each case within the specified TAT with conclusive report.
Consolidation of Reports & reporting to RCU Manager at periodical intervals (Weekly/Bi-monthly).

• Background Verifications:

Monitoring BGV Cases assigned to RCU / Vigilance Team.
Successful completion of the BGV Cases investigation within specified TAT.

Apply Now

Career

Current Openings

Contact Us

+91-22-4919-4444

Email

careers@profectuscapital.com

Testimonials

Head-Sales-EML

Company Secretary-Legal & Compliance

Head-Treasury

Head - Product strategy & Product

Head-RCU & Collection

Head - IT Infrastructure and Security

Head Policy & Supply Chain Credit , Risk - Policy

Regional Collections Manager - Collections-Common

Regional RCU Manager- Risk-RCU

Regional Credit Manager-SME-North & East

Head - IT Application

Career

Current Openings

Contact Us

+91-22-4919-4444

Email

careers@profectuscapital.com

Testimonials

Head-Sales-EML

Company Secretary-Legal & Compliance

Head-Treasury

Head - Product strategy & Product

Head-RCU & Collection

Head - IT Infrastructure and Security

Head Policy & Supply Chain Credit , Risk - Policy

Regional Collections Manager - Collections-Common

Regional RCU Manager- Risk-RCU

Regional Credit Manager-SME-North & East

Head - IT Application

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