Customer Relationship Officer_ Temp _ GL

Job Title

Grade

Department

Location

Type of Position

Reports To

Reporting Into

Role Purpose and Objective

• Manages banking relationship with 650 families within the geographic area of control by offering full range of banking services
• Directly responsible to acquire new customers for Group Lending (GL) business and servicing existing customers
• Upsell loans to right customers and family members based on requirement and capacity to repay
• Offer and onboard Savings Accounts and other deposit products to customer, their family members and their references
• Deliver prompt customer services; be accessible to customers at all times for GL, IL and Family Banking queries
• Generate quality leads for cross-selling for third party products offered by Ujjivan Small finance Bank.
• Provide timely loan for eligible repeat and top-up customers.
• Adherence to the defined set of processes and circulars.

Size of the role

• Portfolio Managed-
• Customers handled-
• Number of portfolio products- Group Loan, Individual Loan, CASA, TD and TPP products

Key duties and responsibilities

• Business/Financials
  • Meet the set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans
  • Convert GL customers, family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balance
  • Actively source term deposits (FD and RD) from Family members of GL customers
  • Offer suitable Insurance products to customer and family members to provide adequate insurance coverage
  • Identify, process and refer GL customers who can be potentially given Individual loans either unsecured / secured
  • Share customer insights/product related feedback with the ACRM
• Customer
  • Ensure customers and Family members are educated about entire bouquet of banking products (Loans GL, IL, Secured, Deposits Insurance) offered by Ujjivan
  • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
  • Ensure timely insurance claim settlement for his/her customers
  • Resolve customer queries pertaining to GL, IL Family Banking within specified timelines
• Internal Process
  • Identify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family Banking
  • Group Loans: Fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training (CGTs)
  • Individual loans (for certified CROs): Analyze existing customer profile and repayment capacity, fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms
  • Coordinate with customers in the disbursement process
  • Conduct Center Meeting as per schedule without fail and ensure timely repayments, collection of deposits for savings accounts / fixed deposit, updates all transactions on True-Cell, an interface to track monetary transactions
  • Open savings accounts for Customer and their Family members in Ujjivan
  • Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy Program
  • Give the detailed field reports to ACRM and discuss field related issues

Location - Davangere,Tumakuru,Tumkur,Chitradurga,Hariharpara,Harihar,Tiptur,Nagar