01Overview
POSITION DESCRIPTION
JOB TITLE : Loan Officer-Micro Banking
GRADE : DM-I
DEPARTMENT : Micro Banking
LOCATION : Branch
SUB-DEPARTMENT : TYPE OF POSITION : Full time
REPORTS TO : CRM
REPORTING INTO
NA
ROLE PURPOSE & OBJECTIVE
Drive acquisition of new Unsecured loans 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 Ujjivans products customer profile & needs
SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
5-7 Cr. Loan portfolio
NA
KEY DUTIES & 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; .
