Current Openings

CreditAccess Grameen welcomes dynamic and motivated individuals with a passion to work for social development. Our Team consists of Regular Employees & Consultants. CreditAccess Grameen’s Head Office is situated in Bangalore, which supports Operations through various functions such as project management, financial analysis, marketing, communication etc.

CreditAccess Grameen hires individual consultants and consulting firms for a wider range of assignments in the areas of HR, risk management, finance, internal controls, marketing, data analysis, etc. Individual consultants, whether hired directly or through organizations, provide expert advice and help us to prepare studies, appraisals and reports.

Current Openings

Job Title: Branch Manager
Location: PAN India
Reporting To: Area Manager

Job Summary:

This position is responsible for achieving branch targets of outreach, portfolio quality and portfolio disbursement on a monthly basis, through a team of Kendra managers.
This position is responsible for maintaining controls and compliances of the branch.
This position is also responsible for overall administration and upkeep of the branch.

Broad Roles and Responsibilities:

Operations:

Achieve branch targets of outreach, portfolio volume and portfolio quality for both existing and new products and services as per agreed targets month on month.
Maintain and ensure retention of clients on a month on month basis
Plan monthly disbursements at the branch to ensure standards of idol cash are maintained as per the limits set for the branch
Comply with accounting processes to manage and handle cash at the branch as per established norms
Monitor and maintain expenditure within the established limits at the branch level
Implement audit compliance procedures and checks at the branch at the required frequency
Coordinate new member/ group visits(for re interview) after KMs completing the CGTs
Ensure preparation and submission of all documents and reports as per agreed timelines
Monitoring of the existing Kendra’s on quarterly basis under the branch.
Ensuring the smooth completion of Audit process of the branch.
Ensuring recovery of overdue amounts under the branch.
Conducting the social development activity at the branch.

People:

Identify the location, space and procure infrastructure for the new branch and set-up the infrastructure for the branch with the support the regional Admin Manager
Monitor and ensure branch requirements in terms of stationary, supplies etc are adequate and general upkeep is maintained month on month

Background :

Graduate with at least 3 years of experience in MFI (microfinance)
Should be willing to reside and work in location at least 50kms from native location and willing to extensive travel

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Job Title: Area Manager
Location: PAN India
Reporting To: Division/Region Manager

Position Summary: This position is responsible for meeting client and portfolio related growth targets in the assigned area (4 to 6 branches). He is responsible to for the implementation and monitoring of new products and services in his area.

Key Accountabilities:

Growth and Expansion:

Help Divisional Managers in identifying potential areas for expansion in his/her area
Implement expansion plan by setting up new branches as per agreed targets
Implement and monitor new products and services outreach and awareness in the area to meet the established targets
Monitor achievement all the targets for the area for existing and new products including growth, member retention and branch overhead expenses

Operations Management:

Monitor and review effective functioning and administration at all branches on a monthly basis
Complete monthly branch performance reviews on time and submit desired reports to the HO
Conduct documentation verification of all new group formations prior to disbursement of loans to clients
Conduct GRTs for all new groups on a timely basis
Monitor and meet audit compliance requirements across all branches
Track and report key metrics in the area related to client repayment trends, new needs of the client base, PPI, feedback about new products and services on a monthly / quarterly basis
Maintain relationships with external agencies like Government officials, local leaders & other similar kind of institutions
Assess, manage and control risk on portfolio (specific accountability needs to be documented)

People Management:

Conduct and complete performance reviews for all branch managers at the established frequency and timeline
Participate in recruitment and implementation of training for subordinates

People: Responsible for a team of 5 to 6 direct reports; Indirect span of control – 40 to 45 employees

Background:

Qualification: Graduation
Experience: Minimum 8 years with 5+ years of managerial experience preferably managing multiple branches in MFI (microfinance)

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Job Title: Kendra Manager (Field Executive)
Location: PAN India
Reporting To: Branch Manager – Group Lending

Job Summary: This position is responsible for acquisition and retention of clients and maintaining high standards of service.

Broad Roles and Responsibilities:

Operations:

Achieve individual targets of outreach, portfolio volume and portfolio quality as per agreed numbers month on month.
Follow client verification norms as per established standards to ensure credit worthiness before disbursement of loans.
Conduct loan utilization checks within 10 weeks of loan disbursement for all clients.
Ensure on time and accurate maintenance and submission of all relevant records & reports of all clients as well as internal branch records.
Ensure publicity and awareness of all new products and services across the client base in his/her groups.
Ensure timely and accurate handover of cash collected in the field at the branch office on a daily basis.
Build rapport and a relationship with clients to ensure client retention.
To conduct village survey, identify the members and form groups
Conducting of Kendra Meeting as per schedule.
Conducting exit interview of leaving members
Reporting of daily events to the branch manager
To maintain client KYC document, MBDF, PPIs of his Kendras.
Visiting the member house for filling up of Cash Flow statement
Conduct Loan Utilization Checks as per norms.
Updating all the policy changes to members up-to-date.
To achieve the goals and constantly motivate the members to properly utilize the loans & services of CA Grameen.
Any other duties and responsibilities assigned by Branch Manager and higher authorities to be performed from time to time.

Background :

10+2/HSC/PUC/JOC/ITI pass/fail
0 to 6 months experience
Two-wheeler with valid LLR/DL is Mandatory
Should be willing to work at least 30 KM’s away from native

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Job Title: Quality Control – Regional Processing Centre
Location: PAN India
Reporting To: Team Leader – RPC

Job Summary: This position is responsible for Quality Checking of the documents at Regional Processing Centres

Broad Roles and Responsibilities:

Verification of KYC documents received for member enrolment from branches as per the KYC verification Policy.
Updation of Quality Checking clear cases in internal portal
Co-ordination with Branches regarding on-hold and rejected cases.
Preparation of MIS reports on Daily, Monthly, Yearly frequency.
Ensure team is adhering to standards of client enrolment, TAT in processing of the documents and maintain good rapport and relationship with all stakeholders.
Handle different Projects with proper planning, implementation, reporting and evaluation on adhoc basis.
Preparation of documents for monthly Internal Audit.
Work in co-ordination with all stakeholders on Survey and Process training

Background :

Minimum 3-year experience in document verification, preferred from NBFC/MFI.
Proficient in MS-Excel.
Graduate/post-graduate with good communication skills.

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Job Title: Checker – Regional Processing Centre
Location: PAN India
Reporting To: Team Leader – RPC

Job Summary: This position is responsible for data verification entered by Maker at Regional Processing Centres.

Broad Roles and Responsibilities:

Verification and approved of data entered by Maker in internal portal without any errors and deviations.
Preparation of MIS reports on Daily, Monthly frequency.
Ensure team is adhering to standards of data verification, TAT in processing of the documents and maintain good rapport and relationship with all stakeholders.
Preparation of documents for monthly Internal Audit.
Work in co-ordination with all stakeholders on Survey and Process training.

Background :

1-3 years of experience in data entry/data processing.
Graduate/Post graduate with good communication skills

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Job Title: Maker – Regional Processing Centre
Location: PAN India
Reporting To: Team Leader – RPC

Job Summary: This position is responsible for data entry in internal system at Regional Processing Centres.

Broad Roles and Responsibilities:

Enter data in data fields in internal system correctly without any errors and deviations.
Ensure team is adhering to standards of data entry, TAT in processing of the documents and maintain good rapport and relationship with all stakeholders.
Preparation of documents for monthly Internal Audit.

Background :

0-1 year of experience in data entry/data processing.
Graduate with good communication skills

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Job Title: Regional HRBP
Location: PAN India
Reporting To: Team Lead

Job Summary: This position is responsible for end-to-end HR activities right from hiring to exit including managing the entire life cycle of an employee in the system. Will work closely with HR and business teams in smooth functioning of HR activities.

Broad Roles and Responsibilities:

Understand current gaps and proactively plan to fulfill required manpower through appropriate channels and in cost effective manner
Ensure logistical support viz. Flyers, banners, standees, PPTs, venue requirements are timely available
Develop alternate channels of recruitment
Connect with shortlisted candidates and ensure conversion for training and reduce dropouts during and after training
Plan, manage and participate in all lateral recruitment drives
Manage the IJP process for the given geography from assessments to final posting
Induction and onboarding of candidates
Support in BVC follow up and timely closure of confirmations.
Processing employee transfers with coordination of RM/ZM
Tracking and Processing shop and establishment registration/Renewal/Amendments for the assigned locations
Handling Labor inspections
Closing notices from varies departments
Supporting employees in availing ESIC and EPF benefits
Processing new joiner ESIC registrations
Ensuring 100% branch compliance
Monitoring staff attendance and providing necessary inputs to Payroll team for wage calculations
Reduce attrition by conducting exit interviews, resolving grievances, Counselling/supporting, motivating
Employee Engagement & relations – Exit interview analysis, Staff feedback analysis, audit rating analysis, events befitting for Field at low cost
Sharing necessary inputs to F&F team to process settlement
Monitor implementation of HR policies across all functions
Implementation of end to end HRIS by conducting training, making follow-ups with internal stake holders
Need to visit all assigned branches once in six months

Background :

Good communication in regional language & English (written & verbal), networking, people skills, conflict management, labour laws, proficiency in MS Office. Must be willing to travel extensively.
Graduate / Postgraduate preferably in HR (MBA/MSW preferred) with 2 to 5 year’s experience.

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Job Title: Regional HR Trainer
Location: PAN India
Reporting To: Training Manager

Job Summary: This position is responsible for implementation of training for the operations staff (KM and BM). This position is also responsible for continuous assessment of training needs and building soft skills for the KMs and BMs.

Broad Roles and Responsibilities:

Plan all regional trainings on monthly basis.
Participate in developing content and design for training programs
Conduct basic trainings for newly joined field staff, refresher trainings to refresh process at branch.
Collect feedback from trainees after branch visits, observe trainees during their visit to branches.
Collage feedback received and send to concerned RMs.
Analyze the effectiveness of training programs and processes based on feedback mechanisms.
Conduct training needs assessment for the KMs and BMs in line with audit grades by consulting AMs on a regular basis.
Track rate of attrition during training and help retention of trainees.
Track and monitor training related expenses in line with budget.
Prepare and provide training MIS as per established timelines.
Ensure logistics support is provided as per established guidelines for all training programs in line with vendor.

People
Groom and develop trainers to ensure skills are constantly updated.
Track travelling expenses of team
Review and monitor trainers performance.
Guide to team members and ensure timely delivery of the work.

Background:

Qualification: Graduation and above with experience in Training (Preferably from MFIs) or Microfinance operations.
Experience: Minimum 3 years of relevant experience
Preferably from MFI industry
Should be flexible to travel and good communication skills is must.

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Job Title: Product Manager Associate- Unnati Product
Location: Head Office, Bengaluru
Reporting To: Product Head- Unnati Products

Job Summary: We are seeking an experienced and result-oriented Product Manager Associate for our Unsecured Business Loan Product. This role is critical to driving product strategy, enhancing customer experience, ensuring smooth operations, and scaling our unsecured business lending offerings. The Product Manager will work closely with cross-functional teams including IT, operations, compliance, marketing, and field staff to develop, enhance, and expand unsecured business loan products that meet customer needs and align with business objectives. The role also focuses on capacity building across key functions such as business operations, credit assessment, system processes, documentation, and policy adherence.

Broad Roles and Responsibilities:

Product Development & Strategy:

Define and execute the product roadmap for unsecured business loans in alignment with customer needs and company goals
Conduct market research, analyse industry trends, and track regulatory changes to guide product development and policy updates.
Collaborate with risk, compliance, and legal teams to ensure regulatory and policy alignment.

Capacity Building & Process Improvement:

Drive capacity building across key functions such as branch business operations, credit assessment, system processes, documentation, and product through continuous training and engagement.
Conduct regular training sessions to strengthen the product knowledge of field employees and support them in effectively selling the product.

System Development & Process Improvement:

Collaborate with the IT department and other stakeholders to develop, upgrade, and roll out product features and system developments for comprehensive loan operations.
Identify weak areas or compliance issues in branches/processes and take corrective measures by engaging relevant stakeholders.
Identify gaps and bottlenecks in existing workflows; propose scalable solutions.
Work on improving turnaround time, reducing defaults, and improving customer satisfaction.
Design customer-centric solutions that offer ease of application, approval, and disbursement.

Data Analytics & Reporting:

Track and analyse industry data points such as business trends, process improvements market trends, competitor products/processes, and regulatory changes relevant to the product.
Work on pricing strategies, credit assessments, and risk frameworks in coordination with relevant stakeholders.
Prepare reports and presentations to communicate business status, findings, progress, and recommendations to senior management.

Cross-functional Coordination:

Work closely with business, operations, compliance, risk, and other departments to ensure the product’s alignment with company goals.
Assist and support the Product Head in product rollout and other strategic initiatives.
Monitor and manage the product expansion plan, ensuring timely product launches in various branches by coordinating with respective departments.

Business Expansion & Support:

Provide ongoing support and guidance to branches, including regular visits, to ensure smooth business operations.

Background:

5-8 years of experience in Product & Process Engineering within unsecured business loan segment.
Strategic thinking and problem-solving.
Customer empathy and service orientation.
Data-driven decision-making.
Strong understanding of Unsecured business loan product processes, policies, and regulatory norms.
Project management and execution.
Tech-savvy, with proficiency in MS Office.
Excellent communication and presentation skills.
Strong market research and analytical abilities.
Ability to work effectively with diverse, multi-disciplinary teams.

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Job Title: Credit Officer
Reporting To: Branch Credit Manager

Job Summary

This position is responsible for complete operations/operative activity of Branch.
Responsible for completion of Data Entry, GL Entry, Quality Check, Maintaining Registers, Cashier etc.

Broad Roles and Responsibilities:

Maintain and complete all end-to-end activities to branch front end and back-end operations at Branch.
Plan and execute Disbursements, Documentation, Cash Management, Data Entry, Data Management, General Ledgers etc.
Maintain inventory i.e. Inwards and Outward, Document Management.
Maintain all Insurance claims of the branch.
File Verification, Document check, Credit Check, tele verification etc.
Overall assist Operations Manager to achieve Operational excellence.

Background:

Fresher or Minimum 1 years’ experience in same field. Degree is a must.

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Job Title: Data Analyst/ Data Engineer
Location: Head Office, Bengaluru
Reporting To: GM- Business Analytics

Broad Roles and Responsibilities:

Business Understanding: Drive the business goals and align the analytics storytelling to drive the strategic actions.
Statistical Analysis: Apply statistical techniques to analyse internal and external data to generate actionable insights.
Data Management: Collect, clean and pre-process data from multiple sources ensuring accuracy and completeness.
Automation: Automation of existing workflows and processes.
Data visualization: Develop impactful data visualizations.
Competitor benchmarking: Perform competitive analysis on various operational and financial parameters.
Implementation Support: Assist in the implementation of developed use cases.
Collaboration & Presentation: Ability to distill complex information into easy-to-understand formats.

Educational Background & Skillset:

Strong knowledge of programming languages like Python, R.
Knowledge of any visualization tools Tableau/Power BI/QlikView.
Understanding of mathematical models for regression and classification.
Excellent analytical, problem solving and communication skills.
Knowledge of scripting in tools like UNIX, CMD.
3 to 5 years of relevant experience.
Preferable candidates from BFSI industry.
Graduate/Postgraduate in Engineering, Mathematics, Statistics or Economics

Click here to Apply →

Job Title: Branch Credit Manager
Reporting To: Area Credit Manager

Job Summary

This position is responsible for ensuring Quality Loan portfolio.

Broad Roles and Responsibilities:

Conduct loan utilization checks as per the schedule for all clients.
Conducting house/on-site visits to the customer house/projects.
Conducting check for high ticket size loans as per the instructions of the Regional Credit Team.
Ensure publicity and awareness on products and processes to the branch staff.
Imparting training to the branch staff on the products and processes.
Build rapport and relationship with clients and branch staff.
Reporting of daily events to Area Credit Manager.
To maintain of all records & Books as per the requirement.
Co-ordinating with the Regional Credit Team and branch branches for any queries.

Background:

Graduation and above.
Min 2 years’ experience in Credit Underwriting on HL & LAP.

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Job Title: IT Security Analyst
Location: Head Office, Bengaluru
Reporting To: AGM- Risk Management

Broad Roles and Responsibilities:

Point of contact for IT/Cyber security related issues and perform initial triage of incoming security tickets created by the users in HO & branches
Collaborate with technical teams for security incident remediation and communication
Prepares system security reports by collecting, analyzing, and summarizing data and trends; presents reporting for management review
Develop and implement a comprehensive plan to secure CAGL IT Infrastructure, applications and network
Perform vulnerability/threat assessments in CAGL IT Infrastructure, applications and network to find any flaws and implement remediations
Document any security breaches and assess their impact
Educating colleagues about security software and best practices for information security Statistical Analysis: Apply statistical techniques to analyse internal and external data to generate actionable insights.
Conducts proof of concepts, vendor comparisons and recommend solutions in line with business requirements
IT & IS policies implementation and management
Collaborate IT KRI data, analyze and review to take preventive actions • Participate in IT & IS Audits.
Create and maintain the documentation for IT/IS governance risk management and audits in accordance with regulatory & compliance requirements.
Responsible for conducting CAB (Change Advisory Board) meetings, recording and tracking the actions.
Monitor, analyse and track requests for policy exceptions and support the assessment and qualification of risks associated with deviations.
The person needs to work closely with the CISO, CTO and other stakeholders in Risk, IT and Audit functions.

Educational Background & Skillset:

3 years or more experience in IT security related roles
Experience in security tools and exposure to process or policy documentation
Experience in handling or conducting IS audits is preferred
Good understanding of typical IT risks/vulnerabilities
IT Risk assessment experience is a plus

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Job Title: Program Manager
Location: Aurangabad, Maharashtra
Reporting To: Program Lead

Broad Roles and Responsibilities:

Researching and identifying potential and tailored CSR interventions in various geographies through evaluation of local community needs.
Design CSR projects that align with the company goals and Launching CSR programs based on identified themes relevant to their region.
Preparing and presenting proposed initiatives to internal stakeholders and navigating the internal approval process to secure the green light for program implementation.
Creation of Standard Operating Procedures (SOP) for Projects and ensure delivery of Programs in Compliance with SOP’s.
Identifying and onboarding partners, including non-profits and other organizations, essential for implementing CSR initiatives.
Establishing and maintaining productive relationships with these partners for the successful execution of programs
Continuously monitoring and evaluating the effectiveness of these initiatives through regular onsite visits and ensuring alignment with program objectives.
Engaging with internal stakeholders including Business Managers and Field teams to ensure smooth program execution, budget utilization & proper documentation.
Regularly updating internal stakeholders on the progress of CSR programs, including milestones and challenges.
Ensuring that all CSR activities comply with relevant regulations and company policies and reporting on compliance status.

Educational Background & Skillset:

Graduation/Post Graduation/ Post Graduate Diploma In Rural Management/ Social Work, Social Science.
5+ years of program management experience within CSR departments, foundations, management consulting firms, or non-profits.
Profound understanding of CSR principles, trends, and impact measurement frameworks.
Effective communication and interpersonal skills to engage stakeholders at all levels.
Proficiency in Microsoft PowerPoint and Excel.
Sound judgment and independent decision-making abilities.
Must be willing to travel extensively across multiple states to manage and oversee CSR initiatives.
Able to adapt to varying travel schedules and destinations as required by the job.
Comfortable with frequent on-site visits for program assessment, stakeholder meetings, and project monitoring.
Language proficiency in English, Hindi and local regional languages.

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Job Title: Java Developer-Appzillon
Location: Head Office, Bengaluru
Reporting To: GM- IT

Broad Roles and Responsibilities:

Develop and maintain Java-based applications developed using Appzillon and Spring Boot.
Design and implement RESTful APIs for integration with frontend and mobile applications.
Build responsive web interfaces using HTML5, CSS3, and modern UI frameworks.
Ensure applications are optimized for performance, scalability, and responsiveness across devices.
Work with relational databases such as PostgreSQL, MySQL, or MS SQL.
Collaborate with internal IT teams and business stakeholders to gather requirements and deliver solutions.

Educational Background & Skillset:

Proficient in Appzillon and Spring Boot.
Experience in web and mobile application development.
Strong understanding of responsive design principles, including responsive images and typography.
Hands-on experience with REST API development.
Familiarity with PostgreSQL, MySQL, or MS SQL Server.
Good communication and team collaboration skills.
Good Analytical skills and should be self-driven.
Banking and Finance domain knowledge (desirable).
Good Analytical skills and should be self-driven.
Excellent communication skills and open to interacting with business stakeholders and vendors.
Good communication with inter-personal skills.
Open for learning new technologies and domain.
A good team player and ready to take up new challenges.

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Job Title: Charted accountant (CA)
Location: Corporate Office, Bangalore
Reporting To: DGM- Finance and Accounts

Broad Roles and Responsibilities:

Preparation of financial statements in Ind AS.
Complete the company Quarterly and annually audit on time.
Experience in RBI return DNBS01, 03, and 10.
Good Knowledge of applicable Ind AS standards for NBFC’s.
Good understanding of day-to-day ledger accounting and reconciliation.

Educational Background & Skillset:

Ind AS knowledge, Communication skills and good English.
CA Qualified- Fresher

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Job Title: Divisional Manager
Location: Uttar Pradesh, Bihar, Jharkhand
Reporting To: Zonal Manager

Broad Roles and Responsibilities:

Create expansion plans for new branch opening as per agreed targets.
Plan ways to implement new products and services in the division to meet the established targets.
Monitor achievement all the targets for the division including growth, profit, member retention, and division overhead expenses.
Implement strategic initiatives (people or operations related) taken by the management team/ head office.
Identify and plan cost control initiatives to reduce overall operating costs in the division.
Identify, plan for and implement processes to track and measure critical field data required for decision making.
Design and implement risk management process at the branch/ area/ division level and report variances as per the established frequency.

Educational Background & Skillset:

Identify and build relationships with key officials in government, NGO and other organizations at the district level.
Develop and maintain relationship with external stakeholders.
Build brand image and visibility of GFS in the division.
Participant in all SEDs in the division.
Conduct and complete performance reviews for all area managers at the established frequency and timeline.
Participate in recruitment, trainings, transfer and promotion process of his area.
Plan and support implement of capability building initiatives for employees in the division.

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Job Title: Data Analyst/ Data Engineer
Location: Head Office, Bengaluru
Reporting To: GM- Business Analytics

Broad Roles and Responsibilities:

Business Understanding: Drive the business goals and align the analytics storytelling to drive the strategic actions.
Statistical Analysis: Apply statistical techniques to analyse internal and external data to generate actionable insights.
Data Management: Collect, clean and pre-process data from multiple sources ensuring accuracy and completeness.
Automation: Automation of existing workflows and processes.
Data visualization: Develop impactful data visualizations.
Competitor benchmarking: Perform competitive analysis on various operational and financial parameters.
Implementation Support: Assist in the implementation of developed use cases.
Collaboration & Presentation: Ability to distill complex information into easy-to-understand formats.

Educational Background & Skillset:

Strong knowledge of programming languages like Python, R.
Knowledge of any visualization tools Tableau/Power BI/QlikView.
Understanding of mathematical models for regression and classification.
Excellent analytical, problem solving and communication skills.
Knowledge of scripting in tools like UNIX, CMD.
3 to 5 years of relevant experience.
Preferable candidates from BFSI industry.
Graduate/Postgraduate in Engineering, Mathematics, Statistics or Economics

Click here to Apply →

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