Job Title: Financial Service Associate (FSA) – 100% Remote (AP & TG Only)

Role Category: Retail Sales / Banking / Financial Services
Employment Type: Full-Time / Corporate Agency Partnership
Total Vacancies: 100 Openings
Job Location: 100% Work from Anywhere (Exclusively open to residents of Andhra Pradesh & Telangana)
Key Skills: Retail Assets, Loan Sourcing, Banking Sales, Corporate Sales, Lead Qualification, Digital KYC, Financial Advisory, Customer Relationship Management, Telugu Telesales, Direct Sales Agent (DSA) Operations.

About the Company

tsreddy.loans is a technology-driven financial distribution firm operating as an Authorized Corporate Partner Interface of IDFC FIRST Bank. Founded by Talakanti Sainath Reddy (B.Tech CSE - Data Science), the organization leverages contemporary digital architectures to streamline retail asset sourcing and deliver seamless, paperless credit infrastructure. To spearhead our next phase of market expansion across South India, we are establishing a high-performance remote advisory division and are actively onboarding 100 Financial Service Associates across Andhra Pradesh and Telangana.

Job Purpose & ScopeAs a Financial Service Associate (FSA), you will serve as a digital lending consultant, managing end-to-end customer acquisition and credit pipeline processing. Operating via our enterprise CRM infrastructure, your primary responsibility is to analyze borrower profiles, qualify intent, conduct preliminary compliance screens, and seamlessly navigate clients through the digital onboarding framework until final loan disbursement.Key Responsibilities

- Portfolio Sourcing: Market and strategically source IDFC FIRST Bank Personal Loans and Business Loans via open-market networks and digital channels.
- Credit Analysis & Verification: Review financial profiles, analyze preliminary applicant files, and run core eligibility checks in alignment with strict credit box guidelines.
- Digital Application Tracking: Guide clients step-by-step through standard app-based registration, instant digital KYC, and documentation collection metrics.
- Pipeline Management: Maintain high data integrity by logging daily caller touchpoints, conversion funnels, and application statuses inside the official company CRM platform.

Eligibility Criteria & Track AllocationsCandidates will be structurally evaluated and routed into one of two clear operational paths during assessment:Track A: Associate Consultant (Fresher Bracket)

- Experience Tenure: 0 to 12 months of corporate exposure. (Ambitious entry-level applicants are welcome).
- Academic Baseline:



Completed Graduate Degree in any discipline (B.A., B.Sc., B.Com, BBA, BBM). Engineering graduates (B.Tech) and management graduates (MBA) seeking a meritocratic entry path are highly encouraged to apply.
- Age Parameter: 21 to 26 years of age at the time of contract execution.
- Technical Aptitude: Crisp grasp of core arithmetic concepts (percentages, amortized EMI matrices, interest ratios) and immediate comfort with mobile software.

Track B: Senior Consultant (Experienced Professional Bracket)

- Experience Tenure: 1 to 4 years of documented asset sales history with retail commercial banks, NBFCs, microfinance networks (MFI), or loan agencies.
- Age Parameter: 22 to 32 years of age.
- Proven Capabilities: Solid history of meeting disbursement volumes, managing local channel networks, or scaling Direct Sales Agent (DSA) pipelines.

Mandatory Background Verification Notice: All offers are subject to rigorous educational and professional background screening. Submitting color scans of final degrees or provisional transcripts is mandatory during onboarding. Incomplete records will trigger automated application cancellation.Mandatory Role Requirements

- Geographic & Linguistic Fit: Current permanent residency in Andhra Pradesh or Telangana with absolute verbal fluency in Telugu is mandatory. Working knowledge of English or Hindi is required for internal document coordination.
- Technical Infrastructure: A quiet, distraction-free home office setup equipped with a high-performance computer/smartphone and a stable, high-speed internet pipeline.
- Operational Discipline: Adherence to fixed general day shifts running from 9:30 AM to 6:30 PM (Monday to Saturday) with strict check-in protocol enforcement.

Compensation, Commission Framework & BenefitsIn strict alignment with standard Indian corporate agency regulations, this profile features an un-capped 100% Performance-Based Variable Payout Matrix. There is no fixed base salary baseline or fixed monthly stipend, ensuring your compensation directly mirrors your deal output.

- Track A Payout Scale: 1.0% to 1.5% of monthly successfully disbursed net loan volumes + performance incentives.
- Track B Payout Scale:



1.6% to 2.5% of monthly successfully disbursed net loan volumes + elite high-performer milestone bonuses.
- Performance Bonuses & Incentives: Performance-linked incentives and elite high-performer milestone bonuses are subject to a 2-month lock-in period and will be unlocked and paid out from the 3rd month onwards based on sustained target performance
- Performance Floor Lockout: If net monthly disbursed volume falls below 50% of your designated track’s minimum volume target, the commission matrix locks for that period, resulting in a ₹0 payout.
- Financial Logistics: Payouts are fully audited against finalized bank reports and settled via direct NEFT/IMPS bank transfer on the 7th working day of each calendar month.
- Tax Compliance (TDS): A flat 5% Tax Deducted at Source (TDS) applies uniformly under Section 194H of the Indian Income Tax Act. A valid PAN card is mandatory for clearance. No statutory PF or ESI deductions apply.
- Portfolio Quality Assurance: The company maintains an absolute right to execute commission clawbacks (reversals) on paid accounts if a sourced borrower runs into an early default cycle (1st or 2nd EMI bounce).

Enterprise Risk Control & Compliance

- Data Security & Privacy: Access privileges are highly restricted. Individual user roles permanently block all "Export to Excel/CSV" actions. Local saving, downloading, or screenshotting customer Aadhaar or PAN data on personal systems is strictly illegal.
- Regulatory Compliance Window: In absolute compliance with Reserve Bank of India (RBI) fair practices codes, outbound customer contact must only be initiated strictly between 9:00 AM and 7:00 PM.
- Zero-Tolerance Fraud Clause: Any manual file manipulation, documentary forgery, profile falsification, or deliberate attempts to bypass bank credit scoring metrics will result in immediate termination and criminal prosecution under financial fraud and cyber statute codes.

Application ProcessQualified professionals who match the geographic parameters and seek a high-growth, remote asset career are invited to submit their credentials directly to our talent acquisition channel:

- Email Destination: [email protected]
- Required Attachments: Updated professional Resume accompanied by high-quality color-scanned copies of your graduation degrees or provisional transcripts.
- Subject Line Format: Must read exactly "Application: Financial Service Associate – Track [Specify A or B]".

Pay: From ₹15,000.00 per month

Benefits:

- Flexible schedule
- Work from home

Work Location: Remote

📌 Financial Service Associate (Hyderabad)
🏢 tsreddyloans
📍 Hyderabad