This is the story of a 3 year old company thats everything you think a 3 year old should be

Young. Imaginative. Friendly. Turbo charged. Inquisitive. Hungry. Never satisfied. Finding new ways every day. And, above all, fun!

Meet 3 year old HFFC.

Home First Finance Company India Pvt. Ltd. is a dedicated Housing Finance Company, established in 2010.

Founders

Jaithirth (Jerry) Rao

! Alumnus of IIM-Ahmedabad and University of Chicago ! Founded MphasiS, an IT Services and BPO Company ! Twice winner of Ernst & Young Entrepreneur of the Year Award ! Winner of the Economic Times Entrepreneur of the Year Award ! Was Chairman of NASSCOM ! At present, Chairman of NASSCOM Foundation

P. S. Jayakumar
! Chartered Accountant and alumnus of XLRI, Jamshedpur ! Started his career with Citibank in 1986 ! Winner of the Economic Times Entrepreneur of the Year Award ! Country Head for Consumer Business in India and Asia Pacific ! Head for Consumer Lending Business in Asia Pacific

Mission

! HFFC aims to serve the housing loan needs of low and middle income customers, who are unable to avail loans from Banks and HFCs due to various factors

! HFFC is focused on providing housing loans to buyers of affordable housing priced between ` 5 lakhs and ` 30 lakhs

Core Values
Ownership
Employees feel a sense of ownership for the company Own the task that you take up

Empathy for customers as well as fellow employees

Empathy

Leads to a passion for service

Innovation

Embrace and drive change Create new products and processes to benefit customers

Simplicity

Search for the simplest solution Do more with less

Diversity

Employees from different backgrounds, experiences and perspectives Inclusive work environment where every individual feels valued and respected

Target Segment

Our Customers

Factory Worker

Factory Worker

Junior Executive

Junior Executive

Our Customers

Small Business

Small Business

Service Provider

Service Provider

Our Customers
HFFC customers are: ! Young: More than 60% are less than 40 years old ! Have moderate income of about ` 30,000 p.m ! Are typically educated up to high school or graduation. They have job skills that are in demand and are easily employable ! Progressive: Want to provide better living conditions for their family ! Work in industrial units or small private companies or have small businesses

They are credit worthy customers who are excluded from the financial system due to various reasons.

Customer Friendly Products & Process

Increase your loan amount when you need it!

Save 63 EMIs!

Progress Report
` 100+ Cr ` 200+ Cr Nil 100+ Projects 6 12 cities

Loan Book: Loan Sanctions: NPA: Tie ups with: Branch Offices: Presence at:

Branches
! ! ! ! ! ! Delhi-NCR Mumbai Bangalore Ahmedabad Pune Thane

Our Branches

Bangalore

Thane Mumbai

Gurgaon Pune

Ahmedabad

Role of a Management Associate (Relationship Manager)

A. Business Development a) Prospecting and identifying affordable housing projects b) Joint sales promotions to originate loans B. Credit Evaluation a) Evaluate credit worthiness of loan applicants b) Recommend for approval C. Portfolio Management a) Customer service b) Collections c) X-Sell d) Monitor progress of project e) Manage profitability

K BAC ER PACK

Field based role that requires extensive travelling

Role of a Management Associate (RM)

Prospecting and identifying affordable housing projects Joint sales promotions to originate loans

Role of a Management Associate (RM)

Joint sales promotion activities with builders to originate loans

Role of a Management Associate (RM)

Celebrating success with builders

Role of a Management Associate (RM)

Credit evaluation

What are we looking for?

Good at written and oral communication in English Fluent at speaking Hindi and/or local language Flair for mathematics Ability to work in an unstructured environment Ability to network and build relationships

Compensation

Role of a Management Associate (Customer Service Officer)

! Customer Service
! ! !

Face to face loan counseling for customers Leading the customer service function of the branch and resolving customer queries Follow up on approved loans for completion of documentation

! Portfolio Management
! ! ! !

Loan disbursal Promote X-Sell of insurance products Collections Branch Compliances

Office based role with occasional travelling

Role of a Management Associate (CSO)

Leading the customer service function at the branch: Face to face loan counseling for customers

Role of a Management Associate (CSO)

Occasional travel for interaction with customers and resolving their queries at builder events

Role of a Management Associate (CSO)

Organizing customer education events

Role of a Management Associate (CSO)

Custodian of all the branch processes

What are we looking for?

Good written and oral communication in English and the local language is a MUST Flair for numbers and managing worksheets (excel) Aptitude for face to face and telephonic interaction with customers Experience of 0-3 years Location: Pan India Compensation: ` 4.5 lakhs

Compensation

Particulars (p.a.) Basic Salary Allowances Total Salary Company contribution to PF Gross Salary + Mobile + Internet Allowance + Performance Linked Incentive + Health Insurance Cover of Rs. 2 Lakh p.a. + Accidental Insurance cover for Rs. 13 Lakh Cost to Company (CTC)

Amount (Rs.) 97,500 2,27,500 3,25,000 11,700 3,36,700 25,200 84,175 8,000 4,54,075

Life at HFFC
Some challenges that we face are not work related

Life at HFFC
We let our hair downwhatever is left of it!

Life at HFFC
We believe we are rock stars

Life at HFFC
We have a lot of reasons to smile

Life at HFFC
We have funWe work as a team

What our employees think of us FLEXIBILITY

EXCITEMENT
ENCOURAGEMENT

NO PO LI T

IC

JOB SATISFACTION

EQ RE UAL SP EC T

FREEDOM TO EXPRESS

ST A CU RT U LTU P RE

FR PE IEN ER DL S Y

OPENNESS

NO D RE PE TA

Wow!