Loan Officer - Micro Banking

Job Details

• Job Title: Loan Officer-Micro Banking
• Grade: DM-I
• Department: Micro Banking
• Location: Branch
• Type of Position: Full-time
• Reports To: CRM

Job Summary

• Drive acquisition of new unsecured loan customers from open market
• Identify quality leads from unsecured loans liabilities customers through assessments by analyzing credit histories and performing financial analysis, ensuring compliance with internal and external regulations
• Monitor and manage installment payments and collections of assigned customers
• Strengthen existing customer relationships through targeted cross-selling Ujjivan's products customer profile needs

Size of the Role

• Financial size: 5-7 Cr. loan portfolio
• Non-financial size: NA

Key Duties and Responsibilities of the Role Business/ Financials

• Develop and execute strategies to acquire new unsecured loan customers
• Collaborate with the liabilities team to cross-sell unsecured loans
• Follow up on leads provided by team various channels within defined TAT
• Achieve monthly loan disbursement targets through acquisition of new customers and conversion of existing customers
• Coordinate with Products Marketing department to carry out marketing drives at his/her assigned and catchment areas for unsecured loans
• Prospect new customers, maintain database of the leads, meet convert select prospects and manage the relationship thereafter
• Attend center meetings to generate leads for Unsecured loans and actively driving conversion of existing borrowing customers into SBL customer
• Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
• Share customer insights/product related feedback with the Branch Head and Area Manager Microfinance
• Provide inputs pertaining to revision of product and credit policies to the respective teams on the basis of geography specific considerations

Customer

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Conduct the appraisal process of potential customers in a courteous manner without compromising quality
• Guarantee confidential treatment of all the information gathered from customers

Internal Process

• Carry out the pre and post-loan activities related to Unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning authority by adhering to the set TAT prioritize repayment of loans to maintain best portfolio quality

Interested candidate can send resume at souvik.chakraborty@ujjivan.bank.in