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STREE NIDHI CREDIT COOPERATIVE FEDERATION LIMITED Department of Rural Development: Government of Telangana

TFD No: 002/2014 502, 5th Floor, Hermitage Office complex, Hill fort Road, Adarsh Nagar, Hyderabad- 500 004.

Date: 29.09.2014

Recruitment of Deputy General Managers, Assistant General Managers, Managers and Asst. Managers in ‘STREE NIDHI’

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IMPORTANT: LAST DATE FOR RECEIPT OF APPLICATIONS – 15.10.2014 Stree Nidhi Profile:

Stree Nidhi Credit Cooperative Federation Ltd is a society registered under State Cooperative Societies Act’1964 with its registered office located in Hyderabad. Stree Nidhi has been promoted by federations of SHGs in association with Govt. of Telangana and commenced operations on 06.10.2011. Stree Nidhi is looking for talented, qualified, committed professionals from reputed institutions and experienced VRS/Retired Banking Professionals, project FTEs in level 3, 4 & 5 cadres of SERP and employees of similar cadres of MEPMA and others from MF sector who have requisite experience for the following positions. All the positions are subject to entire State of Telangana and the Management reserves the right of transferring any of its employees to any of the Districts of Telangana except those specifically recruited for H.O. and these will be subject to administrative exigencies.

Sl. no

Designation of the post No of posts

1 Deputy General Manager-Funds Management/Risk Management and Claims

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2 Deputy General Manager- Institution Monitoring/Social Audit/training

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3 Deputy General Manager – Administration & Vigilance 1

4 Deputy General Manager- Credit Management 1

5 Deputy General Manager – Monitoring 1

6 Assistant General Manager– Fund Management 1

7 Assistant General Manager – Institutional Monitoring/training/Social Audit

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8 Assistant General Manager – Credit management 1

9 Assistant General Manager – Risk Management and Claims 1

10 Assistant General Manager – Monitoring 1

11 Manager – Accounts and Reconciliation 1

12 Manager - Institution Monitoring 1

13 Manager – Risk Management and Claims 1

14 Manager – Monitoring 2

15 Manager – Financial Inclusion & Information technology 1

16 Assistant Manager – Accounts and Reconciliation 1

17 Assistant Manager – Administration 1

18 Assistant Manager - Monitoring 18

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The details of eligibility criteria viz. qualifications, experience, age and requirements are given below for the above posts (For Job profile see annexure).

1. AGE, QUALIFICATION & EXPERIENCE (As on 30.09.2014)

DEPUTY GENERAL MANAGER – Funds Management-Risk Management and Claims

Post Code No. 01

Vacancies 01

Qualifications

Post Graduate and preference will be given to CA/MBA (Finance) / PGDBM in Finance / M.Com /Agriculture/Veterinary from a recognized University. CAIIB is additional qualification.

Experience

Min. 15 years of relevant experience in funds management in Scheduled Bank or any other financial institution. The job involves Formulation and Implementation of Business Development strategies, Managing Funds flow, Managing assets and liabilities, Liaison with Financial Institutions and Govt. Departments, credit rating etc., Good skills in MS office and other relevant fields is essential. Experience in CBS environment is preferable.

Age 40 to 61 years

Requirements

Proficiency in finance and accounting methodologies and fund management strategies to optimize return. The organization functions on technological platform; hence the candidate should have good knowledge in Computer Applications. English, Telugu proficiency. Good interpersonal and communication skills, both verbal and written.

Posting At Head Office subject to administrative exigencies.

DEPUTY GENERAL MANAGER – Institutional monitoring/Social Audit and training

Post Code No. 02

Vacancies 01

Qualifications Post Graduate and preference will be given to MBA / PGDBM in Finance / M.Com/ MSW / Agriculture/ Veterinary from a recognized/ reputed University.

Experience

Min. 15 years of service in any MFI/Community based organizations preferably in conducting audit of MFIs and CBOs and experience in CBOs assessment. The job involves balance sheet and P&L analysis, business development for CBOs for self-sustainability; follow up on audit in addition to training strategy and planning for the same. Experience in inspection and auditing is preferable. Rating & Grading of CBOs, preparation of business projections, credit appraisal/rating of borrowers, Grading of CBOs, good drafting skills, Training skills, experience in working with SHGs and its federations is preferable. The organization functions on technological platform and

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candidate should have good knowledge in computer Applications.

Age 40 to 61 years

Requirements English, Telugu proficiency. Good interpersonal and communication skills ,both verbal and written

Posting At Head Office, subject to administrative exigencies

DEPUTY GENERAL MANAGER – Administration & Vigilance

Post Code No. 03

Vacancies 01

Qualifications Post Graduate and preference will be given to MBA (HR)/ PGDBM in Business administration / M.Com /Agriculture/Veterinary from a recognized University.

Experience

Min. 20 years of service in any financial institution/ bank experience in handling administration activities, experience in dealing with vigilance matters and knowledge on CVC guidelines etc., Must have worked in relative departments in Govt. or any financial institution. The job involves staff matters, administration of day to day activities, liaising with all Govt. departments and other external organizations. Experience in Handling staff matters is essential

Age 40 to 61 years

Requirements

Must possess good drafting skills, English, Telugu proficiency. Excellent interpersonal and communication skills, both verbal and written. Candidates must have knowledge in Computer Applications.

Posting At Head Office subject to administrative exigencies

DEPUTY GENERAL MANAGER – Credit Management

Post Code No. 04

Vacancies 01

Qualifications

Post Graduate and Preference will be given to MBA/PGDBM in Finance/ Commerce /Graduate in Agriculture/ Veterinary/MSW from a recognized University, preferably with JAIIB/CAIIB. Experience in SHG financing and rural banking etc.

Experience

Min. 15 years of relevant experience in Bank / Financial Institution/MFI. Experience in Credit Management with project appraisal skills is essential. Knowledge on SHGs/MS/TLF/VO/SLF Structures is

preferable Project appraisals and analysis of balance sheets and credit appraisals. Knowledge of RBI guidelines on extension of credit to microfinance organizations. Expertise in managing credit portfolio

Age 40 to 61 years.

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Requirements

The organization functions on technological platform hence candidate should have good knowledge in Computer Applications. They must know Telugu and have good English proficiency, good interpersonal and communication skills, both verbal and written.

Posting At Head Office subject to administrative exigencies.

DGM – (Monitoring) Post Code No. 05

Vacancies 01

Qualifications

Post Graduate and Preference will be given to MBA-Fin/Ops/HR/PGDBM in Finance/ Commerce /Graduate in Agriculture/ Veterinary from a recognized University, preferably with CAIIB.

Age 40 to 61 years.

Experience

Min. 15 years of experience in Bank / Financial Institution. Preference will be given to candidates possessing experience in working in livelihood promotion organization, handling business development services and monitoring team in credit operations. Experience in dealing with financial portfolio, coordinating with line departments. Experience in SHG financing and rural banking etc., experience in credit / recovery / NPA management is essential.

Requirements

Knowledge in functioning of SHGs and their Federations (MS/TLF/VO/SLF)s Must be willing to tour 20 days in a month as they will be in charge of 3-5 districts. Must have computer knowledge, proficiency in MS- Office They must know Telugu and have good English proficiency, good interpersonal and communication skills ,both verbal and written Posses Leadership qualities

Posting Postings may be anywhere in the State, should be willing to work from any District HQ, subject to transfer based on administrative exigencies.

ASSISTANT GENERAL MANAGER – Fund Management

Post code No:06

Vacancies 01

Qualifications

Post Graduate and preference will be given to MBA (Finance)/PGDBM in Finance / Commerce / Agriculture / Veterinary from a recognized University.

Experience

5-10 years of relevant experience in any Financial Institution, preferably in monitoring banking operations, credit limits, Fund Management, Management of assets and liabilities etc., Maintain liaison with financial institutions. Overall knowledge in Funds Management. Experience in analyzing funds position, ratio analysis etc,.

Age 25 to 40 years

Requirements The organization functions on technological platform hence candidate should have good knowledge in Computer

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Applications. Proficiency in English and Telugu is must. Good interpersonal and communication skills ,both verbal and written

Posting At Head Office subject to administrative exigencies

ASSISTANT GENERAL MANAGER – Institution Monitoring / Training / Social Audit

Post code No:07

Vacancies 01

Qualifications

Post Graduate and Preference will be given to MBA/PGDBM in Finance / Commerce / Agricultural / Veterinary / Social Work from a recognized University, with proficiency in computer application

Experience

5-10 years of working experience with SHGs and their federations and or with Microfinance institutions, grading of CBOs/Borrowers is essential. Expertise in conducting audit of MFIs/CBOs Balance sheet, P&L analysis. Preparing Business plan and projections for CBOs Knowledge in accounting Preparing training plan and implementation

Age 25 to 40 years

Requirements

Skills in Auditing and Inspection with proficiency in English and Telugu. Good interpersonal and communication skills, both verbal and written. Proficiency in Computer Applications is a must.

Posting At Head Office subject to administrative exigencies

ASSISTANT GENERAL MANAGER – Credit Management

Post code No:08

Vacancies 01

Qualifications Post Graduate and preference will be given to MBA/PGDBM in Finance / Commerce / Agriculture / Veterinary from a recognized University.

Experience

5-10 years in any Financial Institution, preferably hands on experience in managing credit portfolio, fixation of credit limits, Expertise in preparing project reports, appraisals, designing new loan products. Having overall knowledge in credit management. experience in working with SHGs and its federations/Microfinance institutions is essential.

Age 25 to 40 years

Requirements

The organization functions on technological platform hence candidate should have good knowledge in Computer Applications. English, Telugu proficiency. Good interpersonal and communication skills.

Posting At Head Office subject to administrative exigencies

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ASSISTANT GENERAL MANAGER – Risk Management and Claims

Post code No:09

Vacancies 01

Qualifications Post Graduate and Preference will be given to MBA/PGDBM in Graduate from a recognized University. Preferably Licentiates/Associates from Insurance Institute of India.

Experience

5-10 years of experience in Insurance companies/departments. Knowledge in processing life Claims. Expertise in dealing with line departments in settlement of claims. Planning time lines and execution of work accordingly.

Age 25 to 40 years

Requirements

The organization functions on technological platform hence candidate should have good knowledge in Computer Applications English, Telugu proficiency. Good interpersonal and communication skills.

Posting At Head Office subject to administrative exigencies

ASSISTANT GENERAL MANAGER – Monitoring

Post code No:10

Vacancies 01

Qualifications Post Graduate and Preference will be given to MBA/PGDBM in Finance / Commerce / Agricultural/ Veterinary/ Social Work from a recognized University.

Experience 5-10 years working experience with SHGs and their federations / Rural Banking/Financial Institutions in credit monitoring and management of NPA / Recovery etc,.

Age 25 to 40 years

Requirements Proficiency in Computer Applications is must. Must have proficiency in Telugu and English. Good interpersonal and communication skills.

Posting Posting will be at District Head Quarter, should be willing to work anywhere in the State.

MANAGER – Accounts & Reconciliation

Post code No:11

Vacancies 01

Qualifications Graduate/Post Graduate in Commerce, MBA (Finance), DCA with proficiency in computer application. Preference will be given to candidates with ICWA (inter), CA (Inter)

Age 35 years and below.

Experience & Requirements

3-5 years of experience in accounting and reconciliation of accounts. Maintenance of accounts, day book and general ledger, Preparation of Balance Sheet, TDS and Return file submission etc. Thorough knowledge on Accounting system, process, standards, Procedures & practices. Proficiency in Tax matters, Excel, Macros programming and implementation, relevant accounting packages, conversation of statements to excel. Proficiency in Telugu & English

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Posting At Head Office subject to administrative exigencies

MANAGER – (Institution monitoring)

Post Code No. 12

Vacancies 01

Qualifications Graduate/ Post Graduate and Preference will be given to MBA/PGDBM in Finance / Commerce / Agricultural / Social Work from a recognized University.

Age 25 to 30 years

Experience & Requirements

Thorough knowledge on Accounting, Balance sheet, P&L analysis. Rating of CBOs/Borrowers Business plan projections Proficiency in Excel, and preparing Pivot tables, relevant accounting packages. Proficiency in Telugu & English

Posting At Head Office subject to administrative exigencies

MANAGER – Risk Management and Claims

Post code No:13

Vacancies 01

Qualifications Graduate/Post Graduate and Preference will be given to MBA/PGDBM in finance from a recognized University.

Experience Min. 3 years of service in Life Insurance company especially in claims department. Preference will be given to candidates having experience in processing of life claims.

Age 25 to 30 years

Requirements English, Telugu proficiency. Good interpersonal and communication skills, both verbal and written. Proficiency in computer applications is must.

Posting At Head Office subject to administrative exigencies

MANAGER – Monitoring

Post code No:14

Vacancies 02

Qualifications Graduate/Post Graduate/MBA/PGDBM in Finance, MSW/M.Com from a recognized University is preferable. Qualification in Computer Application is essential.

Experience 2-3 years experience in working with SHGs and their Federations/ Microfinance institutions/Community based organizations is desirable.

Age 25 to 30 years, relaxable by 5 years in case of deserving candidates

Requirements

Candidates must have computer knowledge, proficiency in Computer Applications. Must have proficiency in English and Telugu. Must have good interpersonal and communication skills. Must own a vehicle or should be willing to acquire the same. Must possess Driving License. Should be willing to tour 20 days in a month

Posting Posting will be anywhere in any District in the State of Telangana and are transferable to any place in the state based

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on administrative exigencies.

MANAGER – Financial Inclusion and Information Technology

Post code No:15

Vacancies 01

Qualifications Graduate/Post Graduate in Computer Applications /B.Tech (Comp.Sc) from a recognized University.

Experience

Should posses minimum 2-3 years experience in the field of information technology with regard to financial inclusion. Technical knowledge in computer application, hardware & repairs. Knowledge on banking products with special focus on rural products. Should be conversant with EBT, DBT, AEPS, Rupay card, IDRST standards. Proficiency in Telugu & English

Requirements Proficiency in computer applications. Must have proficiency in English and Telugu. Must have good interpersonal and communication skills.

Age 25 to 30 years, relaxable by 5 years in case of deserving candidates

Posting At Head Office subject to administrative exigencies

Asst. Manager – Accounts and Reconciliation

Post Code No. 16

Vacancies 01

Qualifications Graduate in Commerce, DCA with proficiency in computer application.

Age 28 years and below.

Experience & Requirements

Candidates with the following qualifications are preferable. Experience in accounting and reconciliation of accounts. Maintenance of accounts, day book and general ledger, TDS and Return file submission etc. knowledge on Accounting system, process, standards & practices. Proficiency in Excel, Macros programming and implementation, relevant accounting packages, conversation of statements to excel. Proficiency in Telugu & English

Posting At Head Office subject to administrative exigencies

Asst. Manager – Administration

Post Code No. 17

Vacancies 01

Qualifications Any Graduate with DCA - proficiency in computer application. Preference will be given to candidates who have working experience in Administration Department.

Age 28 years and below.

Experience & Requirements

Knowledge on office administration and HRMS Proficiency in M.S. Office.

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Proficiency in Telugu & English

Posting At Head Office subject to administrative exigencies

Asst. Manager – (Monitoring)

Post Code No. 18

Vacancies 18

Qualifications Any Graduate, knowledge in Computer Application is essential.

Experience 2-3 years experience in working with SHGs and their Federations/ Microfinance institutions/Community based Organisations is essential.

Age 28 years and below

Requirements

Must have computer knowledge, proficiency in MS- Office is must. Must have good interpersonal and communication skills. Must own a vehicle or should be willing to acquire the same. Must possess Driving Licence. Must be willing to tour 20 days in a month.

Posting

Candidate should be from the District concerned for which post is applied for. Must be willing to work anywhere in the District. Will be posted in the Mandal Head Quarters and are required to move in the villages, subject to transfer depending on administrative exigencies. District in which they are willing to work should be specified on top of the application form.

2. SCALES OF PAY:

DGM: Consolidated scale of Rs.35000/- per month. Those posted in the district will be eligible for hired car and DA. AGM: Consolidated salary of Rs.25000/- per month. Those posted in the district will be eligible for hired car and DA. Manager: Consolidated scale of Rs.20,000/- per month. They will be eligible for DA and FTA of Rs 2500 per month Asst. Manager: Consolidated scale of Rs.10,000/- per month. They will be eligible for DA and FTA of Rs 2500 per month

Higher salary can be considered in case of deserving candidates with professional competency and experience. The Selected candidates shall be taken on contract basis as consultants. The contract tenure will be 2 years and renewed thereafter, subject to mutual consent and performance. There will be regular performance review and Stree Nidhi has discretion to terminate his/her services on account of unsatisfactory performance. In case of deputation, salary as per the scale drawn in the parent department will be considered. In case of applications from SERP, candidates should be in L3, L4, and L5 category for Assistant Manager, Manager and AGM Positions respectively. Candidates to note that this is not a Govt. Job.

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SELECTION PROCEDURE

i. Stree Nidhi being a Govt. promoted organization, roster system shall be followed.

ii. The eligible candidates subject to a maximum of 1:5 will be called for personal interview and decision of Stree Nidhi in this regard shall be final.

iii. Those selected for the above posts have to join within 30 days from the date of issue of selection letter.

3. SUBMISSION OF APPLICATION Eligible candidates have to download the Application Form given in Annexure-2, from the websites and submit application form separately for each post mentioning the post code on top of the application form and no candidate can apply for more than two posts. One application from is eligible for one post only. The application form should be as per the proforma enclosed. Last date of receipt of application is 15.10.2014. No applications shall be entertained after the stipulated date. Incomplete application forms will be rejected. Address the application, Super scribing the Post Name and Post Code for which he/she is applying for (Specify post and code) to “The Managing Director” Stree Nidhi Credit Cooperative Federation Ltd., and submit to the following address: Stree Nidhi Credit Cooperative Federation Ltd, C/o Society for Elimination of Rural Poverty, 5th Floor, HUDA- Hermitage Offices Complex, # 5-10-192, Hill Fort Road, Saifabad, Hyderabad-500 004 4. GENERAL INSTRUCTIONS:

a) Please down load the application form from the websites www.serp.telangana.gov.in or www.streenidhi.telangana.gov.in.

b) While applying for the posts, the applicant should ensure that he / she fulfills the eligibility and other norms mentioned above and that the particulars furnished are correct in all respects. In case it is detected at any stage that a candidate does not fulfill the eligibility norms and / or that he / she has furnished any incorrect / false information or has suppressed any material fact(s), his / her appointment will automatically stands cancelled.

c) In case of suitable and deserving cases, any of the requirements and conditions of eligibility mentioned above, may be relaxed at the discretion of the Board of Management of Stree Nidhi. The Board of Management of Stree Nidhi reserves the right to fill or not to fill the above advertised positions without assigning any reason thereof. Posts of AGMs and below are subjected to Nativity clause.

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JOB PROFILES: ROLES AND RESPONSIBILITES of DGM /AGM/ MANAGER/Asst.Managers

DEPUTY GENERAL MANAGER – Funds Management- Risk Management and Claims

Post Code No. 01

Job Profile 1. The job involves compilation & verification and checking of income and expenditures

2. Maintenance of Accounts 3. Submission of budget proposals under different

schemes 4. Monitoring and follow-up of releases from Finance

Department, Govt. of Telangana 5. Monitoring and follow-up of amounts to be

released from Govt. and other institutions 6. Share Capital & membership issues 7. Analyse organizations profitability and cost

management 8. Analyse financial risk. 9. Balance Sheets verification and finalization of

accounts and publication of Balance sheet after getting it audited

10. Formulating strategies to develop FMS portfolio of the organization.

11. Daily monitoring of banking operations, Monitoring credit Limits/overdrawn accounts, scrutinizing vouchers/ office accounts/ any other accounts

12. Reviews the daily cash balances of the Stree Nidhi bank's Accounts in different banks- ensure liquidity levels for operating activities, payment of interests on credit limits- adequate funding in bank accounts to operate optimally.

13. Review the bank's total liquidity levels and allocate funds

14. Communication with banks to ensure smooth transfer of funds from bank to bank and intra

branches. 15. All compliance of related MIS and deliver as per

banks requirements 16. Set up for EFMS Fund accounting 17. Monitoring loan repayment to banks regularly

and maintain details of due dates 18. Mobilizing deposits and their withdrawal 19. Business development and handling all issues

connected to borrowing including preparation of project reports and discussions with Banks

20. Generate MIS, make profitability analysis and prepare statements on various issues like Funds position, loan disbursements, etc

21. Submission of required documents/statements

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to banks periodically as required by them 22. Reconciliation and monitoring of suspense

accounts. 23. Internal & Statutory Auditing and Audit

Compliance 24. Customer service- addressing issues of

MMS/VO 25. Supervising functioning of AGM &Manager 26. Formulation of new deposit schemes 27. Good technical skills. 28. Any other work entrusted from time to time

DEPUTY GENERAL MANAGER – Institutional Monitoring/Social Audit/Trainings

Post Code No. 02

Job Profile 1. Undertake CBOs rating on regular intervals. 2. Assess the functioning of CBOs and their financial

position. 3. Work closely with the credit disbursement and

monitoring units at Stree Nidhi. 4. Liaison with SERP - IB unit, SAAT and give

feedback. 5. Prepare strategies for CBOs in making them self

sustainable. 6. Help in business planning on the basis of feedback

from grass root level. 7. Design trainings on Business Plans development,

rating etc., 8. Investigate frauds etc., and help in streamlining

internal controls. 9. Ensuring completion of Audit in scheduled time 10. Submitting the audit report to MD & taking

action accordingly 11. Providing feedback to CBO on Audit. 12. Supervise functioning of Manager / AGM 13. Functioning of Stree Nidhi Committees 14. Any other works entrusted from time to time.

DGM (Administration / Vigilance)

Post Code No. 03

Job Profile 1. The job involves administration of day to day activities.

2. Liasioning with all Govt. departments and other external organizations.

3. Handling staff matters. 4. Approve all types of bills. 5. Maintaining good rapport with Govt. and public

departments in the interest of the organization 6. The organization functions on technological

platform and candidate should have good knowledge in MS office.

7. Dealing vigilance matters and thorough knowledge

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on CVC guidelines etc., and RTI matters 8. Must have worked in relative departments in the

Govt. or in financial organization. 9. Possess knowledge in rules and regulation of CVC

guidelines. 10. Working experience in any financial institution.

Experience in handling vigilance matters /fraud cases in any financial institution.

11. Any other works entrusted from time to time.

DGM (Credit Management)

Post Code-04

Job Profile 1. Managing credit portfolio of MMS/VOs 2. Fixation of credit limits 3. Process the loan requests received from

MS/TLF/VO/SLFs for sanction of loans

4. Guiding district level and cluster level staff in credit plan projections and in achieving them.

5. Monitor organization’s goals and achievements. 6. Implementation of guidelines, circulars issued by

HO ensuring the compliance. 7. Indentifying gaps, impediments, constraints &

provide guidance to staff. 8. Formulation of loan products , new initiatives,

prepare new project proposals and systems and procedures in credit management.

9. Monitor progress of credit flow, repayments and deposits regularly.

10. Do necessary due diligence and compliance with board norms as stipulated by RBI under priority sector guidelines

11. Ensure execution of loan documents at MS/TLF/VO/SLF/SHG member levels

12. Safe custody of loan documents 13. Generate necessary reports for review 14. Monitor DCB/NPA on a regular basis following

RBI norms 15. Monitor the staff concerned on default of

installment and follow up for recoveries with MS/TLF/VO/SLF and staff concerned

16. Study the health of MS/TLF/VO/SLF /SHGs concerned and generate reports for customer analysis

17. Identifying problems on loan related issues for taking necessary measures

18. Preparing agenda notes on Loan portfolio for review by Managing Committee.

19. Co-ordination with other units of SERP and MEPMA

20. Managing SCSP/TSP/IWMP/NRLM loan portfolio.

21. Appraisal of project proposals. 22. Preparation of credit plans.

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23. Supervise functioning of AGM & Managers. 24. Any other works entrusted from time to time

DGM (Monitoring) Post Code-05

Monitoring Monitoring and Guiding Assistant General Managers and Managers placed in the allotted Districts.

Day to Day Monitoring of MIS/Reports and follow up with Mandals for immediate action.

Liaison with PDs/APDs and concerned District staff for effective monitoring of Stree Nidhi activities

Generate necessary reports for review

Credit Flow: Managing Credit Portfolio of MS/TLF/VOs/SLF with special focus on VOs for loan disbursement in the districts assigned

Study the health of MS/TLF/VOs/SLF concerned

Repayment: Ensuring Recovery percentage to be above 98 % to Demand

Creating awareness, providing guidance and technical support in elimination of VO identity not known entries and adjustment of repaid amounts

Monitoring repayments in concerned Banks A/c Monitoring of Loan accounts in reducing overdues

on daily basis DCB/NPA on a regular basis

Deposits: Mobilization of Deposits

Documentation: Ensuring loan documents are filled in and kept in MS/TLF/VOs/SLF and safe custody of documents.

Trainings: To Organize Orientation programmes on Stree Nidhi to staff/ MS/TLF/VOs/SLF

Monitoring Stree Nidhi Committees to function effectively

Organizing cluster level/Dist. level trainings for Staff/Community

Others:

Expanding BC role of Stree Nidhi Any other works entrusted from time to time.

AGM (Fund Management) Post Code: 06

Job Profile 1. Assisting DGM Fund Management 2. Formulating strategies to develop FMS portfolio

of organization. 3. Daily monitoring of banking operations,

Monitoring cFredit Limits/overdrawn accounts, scrutinizing vouchers/ office accounts/ other accounts.

4. Review daily cash balances of the Stree Nidhi bank's Accounts in different banks- ensure liquidity levels for operating activities- adequate funding in bank accounts to operate optimally.

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5. Monitor Bank balances. 6. Communication with banks ensure inter and

intra bank fund transfer promptly. 7. All compliance related MIS and deliverables as

per funding banks requirements 8. Set up for EFMS Fund accounting 9. Reconciliation and Monitoring of bank accounts

periodically. 10. Monitoring loan repayment to banks

regularly and maintain details of due dates 11. Mobilizing deposits and their withdrawal 12. Business development and handling all

issues connected to borrowing including preparation of project reports, discussions with Banks

13. Generate MIS, do profitability analysis and prepare up statements on various issues like Funds position, daily disbursements, etc

14. Submission of required documents/statements to banks periodically as required by them

15. Reconciliation and Monitoring of suspense accounts

16. Internal Auditing & Statutory Auditing and Audit Compliance

17. Ensuring of compilation of Annual accounts in time

18. Supervising functioning of Manager 19. Preparation of new deposit schemes 20. Payment of interest on deposits at regular

intervals. Printing of deposit receipts 21. Maintaining accounts for Share Capital,

payment of dividend, and printing of certificates.

22. Any other work entrusted from time to time.

Assistant General Manager (Institution Monitoring / Training / Social Audit )

Post code No 07

Job Profile 1. Reporting to DGM 2. Undertake CBOs rating on regular intervals. 3. Plan for audit schedule to execute and ensure

audit with the help of Managers 4. Report to DGM on gaps observed in the respective

field. 5. Manage to complete the Audit as per plans 6. Communicate audit schedule to MS/TLF/VO/SLF 7. Assess the functioning of CBOs and their financial

position. 8. Work closely with the credit disbursement and

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monitoring units at Stree Nidhi. 9. Liaison with SERP - IB unit and give feedback. 10. Prepare strategies for CBOs in making them

self sustainable. 11. Help in business planning on the basis of

feedback from grass root level. 12. Design trainings on Business Plans

development, rating etc., 13. Investigate into frauds etc., and help in

streamlining internal controls. 14. Functioning of Stree Nidhi Committees 15. Any other works entrusted from time to time.

Assistant General Manager (Credit Management)

Post Code No: 8

Job Profile 1. Managing credit portfolio of MS/TLF/VO/SLFs 2. Fixation of credit limits 3. Process loan requests received from

MS/TLF/VO/SLFs for sanction of loans

4. Appraisal of project proposals 5. Preparation of credit plan. 6. Designing new loan products. 7. Do necessary due diligence and compliance with

broad norms as stipulated by RBI under priority sector guidelines

8. Ensure execution of loan documents at MS/TLF/VO/SLF/SHG levels

9. Safe custody of loan documents 10. Generate necessary reports for review 11. Monitor DCB/NPA on a regular basis following

RBI norms 12. Study the health of MS/TLF/VO/SLF/SHGs

concerned and generate reports for customer analysis

13. Identifying concerns on loan related issues for necessary measures

14. Preparing agenda notes on Loan portfolio for review by Managing Committee

15. Coordinating with other units in SERP and MEPMA.

16. Managing SCSP/TSP/IWMP/NRLM Loan portfolio 17. Any other works entrusted by DGM

Assistant General Manager Risk Management and Claims

Post Code – 09

Job Profile Settlement of life claims Maintaining liaison with SERP and Zilla Samakhyas Monitoring claim documents. Speedy settlement of claims.

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Take lead role in planning regarding claims /Risk Managment portfolio development Plan for support gaps identified and report to DGM/MD on No. of claims settled Plan for support services to be provided to Zilla Samakhyas call centre for speedy settlement of claims. Ensure to execute services with the help of Manager Ensure quality of process and report to DGM/MD Monitor timelines Dealing with Fraudulent claims.

Assistant General Manager (Monitoring)

Post Code – 10

Monitoring Reporting to DGM Monitoring and Guiding Managers placed in their

District. Day to Day Monitoring of MIS/Reports and follow

up with Mandals for immediate action. Liaison with PDs/APDs and concerned District

staff for effective monitoring of Stree Nidhi activities

Generate necessary reports for review

Credit Flow: Managing Credit Portfolio of MS/TLF/VOs/SLF with special focus on A & B grade VOs for loan disbursement in the district assigned

Study the health of MS/TLF/VOs/SLF concerned

Repayment: Ensuring Recovery percentage to be above 98% to demand

Creating awareness, providing guidance and technical support in elimination of VO identity not known entries and adjustment of repaid amounts

Monitoring repayments in concerned Banks A/c Monitoring of Loan accounts in reducing overdues

on daily basis DCB/NPA on a regular basis

Deposits: Mobilization of Deposits

Documentation: Ensuring loan documents are filled and kept in MS/TLF/VOs/SLF and safe custody of documents.

Trainings: To Organize Orientation programes on Stree Nidhi to staff/ MS/TLF/VOs/SLF

Monitoring Stree Nidhi Committees to function effectively

Organizing cluster level/Dist. level trainings for Staff/Community

Others:

Expanding BC role of Stree Nidhi Any other works entrusted from time to time.

MANAGER- Accounts Post Code: 11

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Job Profile 1. Reconciliation of Bank Accounts 2. Maintaining Cash Book 3. Handling of Petty Cash 4. Passing of Journal vouchers 5. Finalization of Accounts 6. Recording of receipts and payments 7. Consolidation of Bank Statements 8. Generating reports in MS-Excel (Pivot tables,

Vlook up, etc. 9. Compliance with TDS returns 10. Attending to Audit requirements 11. Recovery Data Sharing 12. Preparation of book debts 13. Any other works entrusted from time to time.

MANAGER- Institution monitoring

Post Code: 12

Job Profile 1. Analyse CBOs grading on regular intervals. 2. Visit CBOs on random basis for assessing the

functioning of CBOs and their financial position. 3. Extend support to credit disbursement and

monitoring units on fixing credit limits based on grading.

4. Implement strategies for CBOs in making them self sustainable

5. Support in preparation of business plans on the basis of feedback from grass root level.

6. Investigate into frauds etc., and help in streamlining internal controls.

7. Reporting to DGM 8. Any other works entrusted from time to time.

MANAGER - Risk Management and Claims

Post Code – 13

Job Profile Work in co-ordination with Zilla Samakhya call centre in processing of claims in timely manner Settlement of life claims Maintaining liaison with SERP and Zilla Samakhyas Communicate to ZS on pendency of claims due to want of required documents Find gaps and ensure corrective actions Monitoring/verification of claim documents. Focus on speedy settlement of claims. Verification of Fraudulent claims.

MANAGER (Monitoring) Post code No 14

Job Chart

Assisting AGM in the following aspects:

Credit Flow: Reporting to AGM Managing Credit portfolio of MS/VOs/TLF/SLF Planning visits to VO/MSs/SLF/TLF with low

disbursement, low recovery, adjustment of repayments, deposit mobilization.

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Fixation of Credit limits, preparation of Cluster wise Credit plan

Follow up VOs/TLF for disbursement of credit Ensuring timely disbursal and repayments Rating exercise and improving the grading of

MS/VO/TLF/SLF

Repayment: Follow-up with VOs/TLFs, Stree Nidhi Committee members and staff for 100 % recovery.

Resolving issues like VO ID not Known, adjustment of VO credits, Auto debit issues, wrong adjustments and any other operational problems as early as possible.

Co-ordinating with bankers for recovery related issues.

Deposits: Samruddhi deposit mobilization Focusing on Sankalpa and Bhavitha deposits

Documentation: Verification of Loan documents, 100% mobilization of Share Capital from MS/TLF.

Trainings: Orientation/training on Stree Nidhi to DRDA staff/MS/VO/MEPMA

supporting DRDA/MEPMA staff in resolving all kinds of issues

Supporting MS Sub committees and Community in Stree Nidhi related issues on continuous basis.

Keeping in continuous touch with AGM/DGM & informing them all developments in the districts.

Strengthening of MS Sub-committees Training on mobile application. Building capacities of VOs/MS/TLF and ensure

implementation of systems and controls.

Others:

Resolving technical issues Developing good rapport

with DRDA / MEPMA staff and other government departments.

Daily monitoring of reports on web and follow-up with staff for immediate action

Image building in the field. Report any frauds, misappropriation or misuse

immediately to AGM & DGM Enquiring about adverse press reports on Stree

Nidhi. Any other works entrusted from time to time.

MANAGER - Financial Inclusion & Information Technology

Post Code : 15

Job Profile 1. Monitor VLE (Village level Entrepreneurs ) to increase business levels

2. To maintain good rapport with Dist. officials, Bankers, SERP employees for improving Financial Inclusion project.

3. Addressing the technical issues of VLEs 4. Co-ordinating with TSPs on Banking Software

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5. Able to address the hardware & compatability issues of Banking applications

Assistant MANAGER- Accounts

Post Code: 16

Job Profile 1. Reconciliation of Bank Accounts 2. Maintaining Cash Book 3. Passing of Journal vouchers 4. Finalization of Accounts 5. Recording of receipts and payments 6. Consolidation of Bank Statements 7. Generating reports in MS-Excel (Pivot tables,

Vlook up, etc. 8. Compliance with TDS norms 9. Attending to Audit requirements 10. Recovery Data Sharing 11. Preparation of book debts 12. Any other works entrusted from time to time.

Assistant MANAGER- Administration

Post Code: 17

Job Profile 1. Reporting to AGM and DGM 2. Inward and Outward register maintenance. 3. Maintenance of all files in the strong room

systematically 4. Verification of TA bills. 5. Updating leave Record. 6. Maintaining staff files and other Admin files. 7. Any other works entrusted by Admin

Department.

Assistant Managers: Monitoring

Post Code: 18

Job Chart

Assisting AGM/ Manager in the following aspects:

Credit Flow: Reporting to AGM/Manager Managing Credit portfolio of MS/VOs/TLF/SLF Planning visits to VO/MSs/SLF/TLF with low

disbursement, low recovery, adjustment of

repayments, deposit mobilization. Fixation of Credit limits, preparation of Cluster

wise Credit plan More follow up on A & B grade VOs/TLF for

disbursement of credit Ensuring timely disbursal and repayments Rating exercise and improving the grading of

MS/VO/TLF/SLF

Repayment: Follow-up with VOs/TLFs, Stree Nidhi Committee members and staff for 100 % recovery.

Resolving issues like VO ID not Known, adjustment of VO credits, Auto debit issues, wrong adjustments and any other operational problems as early as possible.

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Coordinating with bankers for recovery related issues.

Deposits: Samruddhi deposit mobilization Focusing on Sankalpa and Bhavitha deposits

Documentation: Verification of Loan documents, 100% mobilization of Share Capital from MS/TLF.

Trainings: Orientation/training on Stree Nidhi to DRDA staff/MS/VO/MEPMA

supporting DRDA/MEPMA staff in resolving all kinds of issues

Supporting Stree Nidhi Committee and Community in Stree Nidhi related issues on continuous basis.

Keeping in continuous touch with Manager/AGM/DGM & informing them all developments in the districts.

Strengthening of MS Sub-committees Training on mobile application. Building capacities of VOs/SLF/MS/TLF and

ensure implementation of systems and controls.

Others:

Resolving technical issues. Developing good liaison

with DRDA / MEPMA staff and other government departments.

Daily monitoring of reports on web and follow-up with staff for immediate action

Image building in the field. Report any frauds, misappropriation or misuse

immediately to Manager/AGM & DGM Enquiring about adverse press reports on Stree

Nidhi. Any other works entrusted from time to time