Customer Service Executive - Personal Loans - Alternate Channel - Ludhiana - Feroze Gandhi Market (1st Floor) - CSE

📌 Core Information

🔹 Job Title: Customer Service Executive - Personal Loans - Alternate Channel

🔹 Company: Tata Capital

🔹 Location: Ludhiāna, Punjab, India

🔹 Job Type: On-site

🔹 Category: 📞 Customer Service

🔹 Date Posted: Mon Mar 31 2025

🔹 Experience Level: 0-2 years

🔹 Remote Status: On-site

📌 Essential Job Details

🚀 Job Overview

Key aspects of this role include:

• Identifying potential personal loan customers with guidance
• Collecting and validating customer documents
• Logging cases and ensuring proper procedure for disbursement
• Meeting organizational sanction ratios; cross-selling additional products

ASSUMPTION: The role involves extensive interaction with customers and aligning sales strategies with organizational goals under supervision. The emphasis on 'guidance' suggests a supportive environment for newcomers to the field.

📋 Key Responsibilities

✅ Identify potential customers for business under supervision

✅ Collect and validate necessary documents from customers

✅ Log cases in the organizational system following SOPs

✅ Fulfill organizational sanction ratios

✅ Cross-sell additional products as per customer needs

✅ Assist in vendor empanelment and maintain strong relationships

✅ Ensure compliance with audit and RBI regulations

ASSUMPTION: The role demands proactive customer identification and compliance maintenance. The inclusion of vendor relations suggests potential cross-functional collaboration opportunities.

🎯 Required Qualifications

Education: Not specified; typically a Bachelor’s degree in Business or related field is common.

Experience: 0-2 years of experience in customer service or financial services.

Required Skills:

• Customer Service
• Document Validation
• Case Logging

Preferred Skills:

• Cross-Selling
• Vendor Empanelment

ASSUMPTION: Based on the entry-level experience requirement, the position is ideal for recent graduates or those new to the financial industry.

💰 Compensation & Benefits

Salary Range: Not specified; typically within industry standards for entry-level positions in financial services.

Benefits:

• Health insurance
• Employee training programs
• Work-life balance initiatives

Working Hours: 40 hours per week; standard business hours

ASSUMPTION: The absence of specific salary details suggests applicants should be prepared to discuss compensation based on experience during the interview process.

📌 Applicant Insights

🔍 Company Context

Industry: Financial Services; offering diverse loan products and financial solutions.

Company Size: Over 16,000 employees, denoting a large-scale operation with extensive growth and resource opportunities.

Founded: Tata Capital is a key player in the financial services sector as a Tata Sons subsidiary.

Company Description:

• Registered with the RBI as a Core Investment Company.
• Services range from commercial finance to consumer loans and wealth management.
• Over 500 branches across India, highlighting a strong national presence.

Company Specialties:

• Consumer Loans
• Commercial Finance
• Home Loans

Company Website: http://www.tatacapital.com

ASSUMPTION: Given its extensive operations, Tata Capital offers varied career paths for internal movement and development.

📊 Role Analysis

Career Level: Entry-level, providing foundational experience in financial services.

Reporting Structure: Reports to Supervisor/Manager, suggesting mentorship and structured workflow.

Work Arrangement: On-site in Ludhiana, facilitating direct customer and team interaction.

Growth Opportunities:

• Skill enhancement in financial services and customer management
• Opportunities to assume more responsibility over time
• Potential for cross-departmental learning and growth

ASSUMPTION: The role offers a solid step towards more specialized roles within the financial services sector.

🌍 Location & Work Environment

Office Type: Professional office setting in a busy financial district

Office Location(s): 1st Floor, Feroze Gandhi Market, Ludhiana

Geographic Context:

• Central location in Ludhiana with access to major transport links
• A part of a growing economic region in Punjab
• Local amenities and business networks available

Work Schedule: Standard office hours with potential for flexibility depending on customer needs

ASSUMPTION: Working from a central hub enhances collaboration and community engagement.

💼 Interview & Application Insights

Typical Process:

• Initial screening by HR or recruiter
• Interview with direct supervisor or team lead
• Final interview with department head

Key Assessment Areas:

• Customer interaction skills
• Compliance and document handling abilities
• Adaptability to company processes and technology

Application Tips:

• Highlight relevant customer service experience
• Demonstrate understanding of financial service products
• Prepare to discuss interest in Tata Capital's values

ATS Keywords: Customer Service, Loan Processing, Document Validation, Cross-selling

ASSUMPTION: The process will focus on assessing both technical skills and cultural fit within Tata Capital.

🛠️ Tools & Technologies

• Customer Relationship Management (CRM) software
• Loan processing and management systems
• Compliance and audit management applications

ASSUMPTION: Familiarity with basic office software and willingness to learn proprietary systems will be required.

👔 Cultural Fit Considerations

Company Values:

• Customer-centric approach
• Commitment to integrity and transparency
• Focus on sustainable business practices

Work Style:

• Collaborative and team-oriented
• Proactive in addressing customer needs
• Compliance-focused work approach

Self-Assessment Questions:

• Am I comfortable working under supervision?
• Do I have a passion for customer service and financial products?
• How do I handle compliance and regulation-focused roles?

ASSUMPTION: The company values teamwork and integrity, making it essential for applicants to reflect these in their interactions and work ethic.

⚠️ Potential Challenges

• Balancing customer requests with regulatory compliance
• Developing quick familiarity with financial products
• Maintaining accuracy in document validation under pressure
• Meeting sanction fulfillment in a dynamic environment

ASSUMPTION: Adapting swiftly to a regulatory framework and achieving sales targets simultaneously can be challenging.

📈 Similar Roles Comparison

• Other financial service companies offer similar customer service roles
• Tata Capital's size offers more room for growth and development
• Dynamic market presence in multiple financial segments

ASSUMPTION: Tata Capital stands out for its comprehensive financial services portfolio and strong market reputation.

📝 Sample Projects

• Conducting customer satisfaction surveys post-loan disbursement
• Assisting in the launch of new financial products
• Streamlining document validation processes for efficiency

ASSUMPTION: Projects can vary based on company needs and provide practical exposure to broader business operations.

❓ Key Questions to Ask During Interview

• What would a typical day look like in this role?
• How does Tata Capital support the professional growth of its employees?
• What are the biggest challenges faced by a Customer Service Executive here?
• How do you measure success in this position?
• What is the team dynamic like in the customer service department?

ASSUMPTION: Questions should target role clarity, growth opportunities, and the organizational culture to ensure fit.

📌 Next Steps for Applicants

To apply for this position:

• Submit your application through this link
• Attach a current resume highlighting relevant experience
• Include a cover letter describing your motivation for joining Tata Capital
• Prepare to discuss your experience in customer service and document handling
• Be ready for initial communication via phone or email for screening

⚠️ This job description contains AI-assisted information. Details should be verified directly with the employer before making decisions.