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POSITIONDESCRIPTION
JOBTITLE
FinancialInclusion Officer
GRADE
AM-I
DEPARTMENT
MicroBanking
LOCATION
BRANCH
SUB-DEPARTMENT
TYPEOF POSITION
Full-time
REPORTSTO
BranchManager
REPORTINGINTO
NA
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ROLEPURPOSE & OBJECTIVE
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Thisprofile is directly responsible for business generation, customeracquisition and customer servicing for Deposit Products, Digitalchannels and Third Party Insurance products
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Theprofile role includes cross-selling to existing customers as wellas acquisition of new customers through referral and familybanking
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Offerand onboard customers on CASA and Term deposit products tocustomer, their family members and their references.
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Offerand onboard customers on Digital platforms including Mobilebanking, UPI, UPI QR and download of Hello Ujjivan.
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Deliverprompt customer services; be accessible to customers at all timesfor Digital Banking and Deposit Product queries.
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SIZEOF THE ROLE
FINANCIALSIZE
NON-FINANCIALSIZE
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KEYDUTIES & RESPONSIBILITIES OF THE ROLE
Business/Financials
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Meetthe set targets for overall Liability, TPP and DigitalInitiatives in terms of Family Banking (Open Market) acquisition.
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ConvertGroup Loan, Individual Loan customers, their family members andreferrals for available Liability, TPP and Digital Initiativesproduct in the branch.
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OpenCASA and ensure customers are maintaining Monthly Average Balancefor opted CASA.
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Activelysource term deposits (FD and RD) to Family members of GLcustomers.
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Offersuitable Insurance products to customer and family members toprovide adequate insurance coverage
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Onboardcustomers on digital channels including Mobile banking, UPI, UPIQR and Hello Ujjivan
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Ensuredigital adaptation for mapped customers.
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Sharecustomer insights/product related feedback with the CRM
Customer(Both Internal & External)
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Meetingcustomers regularly and cross selling of overall Liability, TPPand Digital Initiatives.
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Meetingcustomers regularly and providing services related to overallLiability, TPP and Digital Initiatives.
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Ensurecustomers and Family members are educated about entire bouquet ofbanking products (CASA, TPP, TD and Digital Initiatives) offeredby Ujjivan.
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Engagewith customers for other account related activity like conversionfor Dormant account to inactive account, linking of DBT etc.,
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Convertingexisting family banking leads and providing the leads torespective business function to cross selling of other availablesecured loans in Ujjivan.
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MoneyMitra assisting CRM in managing BC arrangements includingMoney Mitra and others.
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Assistingcustomers for digital channels usage like ATM Card, MobileBanking, UPI, Missed-call banking, Hello Ujjivan etc.
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Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services
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Ensuretimely insurance claim settlement for his/her customers
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Resolvecustomer queries/ pertaining to Family Banking and digitalchannels within specified timelines.
InternalProcess
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Complianceto SLA/Policies/Processes
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Adheringto compliance and quality guidelines in all the documentation andforms
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Analyzeexisting customer profile, leads shared and fill customer profilein AOF with accurate details, routinely check with concernedauthorities for any re-work needed in already submitted AOFs.
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Ensuringno form pendency for sourced customers by regular follow up withbranch ops team.
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Helpto conduct the CSR activities and motivates customers toparticipate in the Financial & Digital Literacy Programs
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Givethe detailed field reports to CRM and discuss field relatedissues.
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Pro-activelyparticipate, facilitate and drive any new Digital initiativetaken by the bank
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Assistbranch staff CRO, LO in adopting all the digitalinitiatives of the bank for Loans as well as deposit products
Innovation& Learning
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Beingup to date about all the new digital initiatives of the bank
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Maintainup to date knowledge of overall Liability, TPP and DigitalInitiatives and processes as well as a working knowledge of otheravailable products offered in the branch.
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Ensureadherence to training man-days/ mandatory training programs forself
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Beup to date with any new process implementation initiative takenby the bank.
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MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Experience(Yearsand Core Experience Type)
Certifications
FunctionalSkills
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Fluentin regional language and English
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Strongcommunication skills
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GoodInterpersonal skills
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Salesskills
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Willingness& Attitude to travel and do field activities Musthave a two-wheeler for field visits
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Outgoingattitude with ability to engage with customers
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Shouldbe an active smartphone user with understanding of digitalplatforms in personal life (e.g. Social
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Media,UPI, wallets, banking apps, ATM, POS)
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Awareuser of basic office tools like Email, Word, Excel, power point
BehavioralSkills
Competencies
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BuildingRelationship
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DrivingChange
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Planning& Organizing
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Collaboration
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KEYINTERACTIONS
INTERNAL
EXTERNAL
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Microbanking Staff CRM, ACRM, CRO, LO
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Branchoperations team
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Otherbranch staff CCR and Sales Officers
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Regionalproduct team
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Customersand their referral and family members
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Insurancepartner Sales staff
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MoneyMitra and other BC Arrangements
Location - Kolkata , Jamshedpur , Kamrup , Guwahati , Samastipur , Saharsa , Hajo , Udaipura , North Tripura , Ranchi , Deoghar , Arrah , Jorhat , Patna , Sasaram , Barasat , Howrah , Kadegaon , Bhagalpur , Cooch Behar,Hooghly,Agartala,Arwal
