ProgramsPiramal in collaboration with ITM - Edutech Training Pvt. Ltd
Piramal Capital & Housing Finance (PCHF), wholly owned subsidiary of Piramal Enterprises Limited (the flagship company of Piramal Group), is registered as a housing finance company with National Housing Bank (NHB) and engaged in various financial services businesses. It provides both wholesale and retail funding opportunities across sectors. In real estate, the platform provides housing finance and other financing solutions across the entire capital stack ranging from early stage private equity, structured debt, senior secured debt, construction finance and flexi lease rental discounting. Hospitality sector financing is a recent foray of PCHF. Here we are providing financing solutions to hotels which will be operated by branded players in established and emerging markets. The wholesale business in the non-real estate sector includes separate verticals - Corporate Finance Group (CFG) and Emerging Corporate Lending (ECL). CFG provides customized funding solutions to companies across sectors such as infrastructure, renewable energy, roads, industrials, auto components etc. while ECL focuses on lending towards Small and Medium Enterprises (SMEs).
Piramal has the network of pan India network of more than 250 branches.
Piramal Retail Finance offers multiple products in its target markets
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Affordable Housing loans |
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Mass Affluent Housing loans |
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MSME |
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Digital Purchase Finance |
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Digital Personal Loans |
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Used – car loans |
Relationship Manager Programme
Role & Responsibility
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Responsible for empanelment of channel and acquiring the customers for Home Loan from open market and developer relationships. |
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Responsible for ensuring the adherence of KYC documents as per the guidelines by the company. |
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Responsible for achieving the cross-sell targets from the Home Loan customers like insurance or any other appropriate product which may come up from time to time. |
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Responsible for establishing the Piramal brand and managing the sales and business development activities for Home Loans with focus on affordable / mass affluent segment in the assigned hub location. |
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The incumbent is required to have a good knowledge and understanding of the local affordable / mass affluent markets and PMAY. |
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Responsible for Smooth functioning of the lending process at various stages such as inquiry, application, verification, pre-sanction processing of loan, sanction, post-sanction documentation, disbursement of loan, collection, new and existing customer service. |
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Responsible for ensuring the proper completion of the files within timeline as per the company checklist. |
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Responsible for ensuring the proper closure of disbursement documentation within the timeline. |
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Responsible for guiding the customer with clarity towards applying for Home Loan and explaining the product features in terms of ROI, Processing Fees, Terms and conditions etc. |
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Responsible for communicating the reasons for rejection to the customer whose file has been rejected. |
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Adherence to the organizations policies and procedures and compliance with legal and regulatory requirements |
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Responsible for training, development and activisation of channels and release of channel payments on time. |
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Responsible for maintaining the existing relationship with builders for APF & bulk sales. |
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Responsible for sourcing of builder project files and getting their project approval done by the organization. |
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Ensure excellent customer service which includes query resolution of the customer, completion of the task within the given TAT, after sales service, handling of complaints and customer retention. |
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Ensuring the ownership of early delinquencies and working closely with the Collection and Credit team. |
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Ensuring active participation with Operations team for resolving PDD (Post disbursal document) Issues. |
Compensation & Benefits
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On successful completion of 3 weeks training program candidates will be absorbed by Piramal Finance Sales and Service Pvt. Ltd. as discussed above at an annual consolidated CTC of Rs. 1,70,000/- to Rs. 2,00,000/- |
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Travel and communication allowance INR 1500/- per month as a fixed allowance in the CTC (Over and above Fixed Pay) |
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There is a “Potential to earn up to an additional INR 1.5L/month” |
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Selected applicant has to undergo 3 weeks training. (3 weeks online training). |
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Training Fee: Rs. 15000/- plus GST (Rupees Fifteen Thousand + applicable GST charges) per candidate for Online Training, the fee will be co-paid by Piramal Finance Sales and Service Pvt. Ltd. & Candidate. |
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PFSSPL will Pay training fee Rs. 11500/- plus GST on behalf of Candidate & Rs. 4130/- will be paid by candidate. |
COVID Support
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In house vaccination drives for employees |
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Reimbursements for RT-PCR test and self-organized vaccination |
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Hospitalization due to COVID covered under Mediclaim policy |
Eligibility Criteria:
If you FULFILL ALL the below mentioned criteria, you will be eligible for Selection Process.
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Graduate from any stream ( From Any UGC Approved College) |
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Experience: 0 – 6 Months (Freshers can also apply) |
Age:
Age should not be more than 28 years as on training start date
Selection Process:
Applicant required to successfully clear the interview round with ITM followed by selection process to get enrolled for the Relationship Manager Program (Retail Finance Orientation Program).
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Online Assessment Test by the candidates |
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Interview and Document verification |
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Cibil Check & Conditional Offer Letter release |
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3 weeks Online Training |
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Joining process |
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Start as - Sales Trainee at PFSSPL |