NICE is a leading general insurance aggregator firm in Raipur, specializing in motor insurance, renewals, claims processing , and now expanding into loan services (motor loans, personal loans, business loans). We combine traditional insurance expertise with AI-powered customer engagement (voice bots/avatar calling) to deliver seamless financial services. 📌 Job Summary हमें एक Senior Loan Consultant Manager चाहिए जो loan acquisition, processing, documentation, customer service, aur cross-selling — सब संभाल सके। यह एक "1 Man Solution" role है जहाँ candidate को end-to-end loan operations independently handle करना होगा। Ideal Candidate: 2-5 years loan processing experience (motor/personal/business loans) Hands-on documentation, compliance, risk assessment Insurance + loan cross-selling में interest Excel, CRM, WhatsApp में comfort Raipur local market में network 📋 Key Responsibilities 1. Loan Acquisition & Customer Engagement New loan customers को acquire करना (walk-ins, telecaller leads, referrals) Customer को loan options समझाना (motor, personal, business loans) EMI options, interest rates, processing fees explain करना Insurance + Loan bundle cross-selling (motor insurance के साथ motor loan) 2. Loan Processing & Documentation Loan application form fill-up aur document collection (KYC, income proof, bank statements) Credit score check aur debt-to-income ratio calculate करना Financial eligibility assess करना (income, employment stability, credit history) RBI/NBFC compliance guidelines follow करना Loan files bank/NBFC में submit करना 3. Risk Assessment & Fraud Detection Loan approve/reject recommendation देना Document fraud, fake income proof detect करना High-risk applications identify करना Bank underwriting team के साथ coordination 4. Customer Service & Follow-up Loan approval/rejection customer को explain करना Rejected customers को soft rejection देना aur alternative options suggest करना Loan disbursement ke baad follow-up (EMI payment reminders) Complaints resolve करना (de-escalation skills) 5. Sales & Business Growth Monthly loan targets achieve करना (volume + value) Local businesses, dealerships, agents से partnerships बनाना Telecaller team के leads को convert करना Insurance renewal customers को loan pitch करना 6. Admin & Reporting Daily loan pipeline update (Excel/CRM) Weekly/monthly reports prepare करना (approvals, denials, disbursements) Customer database maintain करना (confidentiality maintain) AI tools (voice bots, WhatsApp API) का use automation के लिए ✅ Qualifications & Skills Required Category Requirements Education -Graduate (BA/BCom/BBA/Business/Finance any) Experience -2-5 years as Loan Officer/Executive in Bank/NBFC/Agency Loan Types -Motor loan, Personal loan, Business loan — experience Technical Skills -Excel (VLOOKUP, Pivot Tables), CRM software, WhatsApp API Process Knowledge -Loan lifecycle (application → approval → disbursement → collection) Compliance -RBI guidelines, KYC norms, documentation standards Soft Skills -Communication (Hindi + English), negotiation, customer handling, stress management Bonus Points -Insurance knowledge, AI tools awareness, Raipur local network 📊 Key Performance Indicators (KPIs) KPI Target Monthly Loan Volume- ₹25-50 Lakhs (disbursed) Monthly Loan Count- 20-35 loans Conversion Rate- 30%+ (leads → approved) Average Processing Time- 3-5 days per file Customer Satisfaction- 4.5+ stars (feedback) Cross-sell Rate- 25%+ (insurance + loan bundle) Fraud Detection- 100% 🎁 What We Offer Benefit Details Salary- Competitive + Performance Bonus (up to 25% extra) Growth- Loan business head बनने का opportunity (future) Technology- AI tools (voice bots, avatars), CRM, automation access Work Culture- Small team, high ownership, direct owner interaction Learning- Insurance + Loan dual expertise develop होगा Location- Raipur office (no travel required) 📝 Work Hours & Policy Hours: Monday - Saturday, 10:00 AM - 7:00 PM (1 hour break) Sunday: Off Leave Policy: Festival Leave Probation: 3 months (performance-based confirmation) Notice Period: 30 days