ROLE PURPOSE & OBJECTIVE
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Actively support acquisition of customers for Group Loans
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Support conversion of existing borrowing customers for liabilities.
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To facilitate undertaking of initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
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Responsible to maintain process quality & ensures adherence to audit and compliance standards
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Responsible to maintain Branch Documents
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Responsible for Cross Selling
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Responsible for overall business in absence of BM/CRM
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To handle Cashier and BOOs responsibility in their absence
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Adherence to defined set of processes and circulars
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Timely disbursement of sanctioned loans
SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
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Volume of recruitment- 5-15 Staff - changes as per branch CRO budget
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No. of products served- Group Loan, Individual Loan, CASA, TD and TPP products
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Credit files for query resolution- approx. 200-500 files per month
KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
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Responsible to support the sales plans for the branch for MB unsecured and secured loans
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To assist setting weekly/monthly targets for the team, reviews the set targets on a regular basis
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Responsible to support acquisition of new GL customers; conversion of customers from unsecured to secured loans (Where Applicable)
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Guide the CROs to enable conversion of existing borrowing customers for liabilities
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Support the marketing initiatives designed by products & marketing department
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Assess the market potential and give feedback on product modification and new product development to the regional product teams
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Share insights on competitor products to the regional product/marketing teams.
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Responsible for the overall Branch Liabilities Target and cross selling targets
Customer
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Ensure customers and CROs are educated about the unsecured loans and liabilities products offered by Ujjivan.
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Resolve customer queries/grievances (pertaining to GL, unsecured IL, liabilities) escalated from the CROs within specified time frame
Internal Process
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Oversee and facilitate collection of documents for account opening in strict adherence to KYC norms
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Keep abreast of the changes in policies and guidelines by RBI, ensures his/her team is educated on the changes to ensure strict adherence
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Responsible for correct storage of client information and any other documentation inclusive internal reports, memos etc.
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Oversee follow-ups with overdue customers to collect the payments
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Conduct customer house visits, cross verify the documents and details in the Customer Profile forms (CPF) and Loan Application forms (LAF), conduct Group Recognition Training (GRTs)
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Perform visits to the Center meetings to check whether they are as per the defined process
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Ensure CROs deposits Centre meeting cash at the nearest or collocated BCs
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Ensures that 100% loan utilization check is conducted by the CRO within 7 days from the day of disbursement.
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Daily Monitoring of form pendency and Till balance
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To maintain smoothly operation of Branch activities in coordination with Cashier & CCR Desk
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Responsible for timely BOD, COB and EOD Process
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Should be compatible with Financial Software application Like Br.net, Finacle etc.
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Providing potential leads to other secured and unsecured verticals
Learning & Innovation
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Coach the branch staff on unsecured loans products to support achieving targets and support them in conversion of existing customers for deposit products
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Resolve queries and escalations from the team in a well-defined timeframe
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Ensure adherence to training man-days/ mandatory training programs for self and reportees
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Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees
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Monitor timely completion of mandatory courses of the staff
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Monitor timely completion of mandatory annual leave of the staff
MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Experience
Functional Skills
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Knowledge on unsecured products
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Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
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Basic knowledge of accounting and finance administration desirable
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Is fluent in the local languages and has a working knowledge of English
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Knowledge of KYC/AML norms and other guidelines for liabilities
Behavioral Skills
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Multiple product selling skills
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Willingness to travel & relocation as per business requirements and career opportunities
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Interpersonal skills
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Ability to interface (orally and in writing) with all levels of associates and customers
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Ability to manage teams and drive performance
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Training skills
Competencies Required
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Building Relationship
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Driving Change
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Planning & Organizing
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Collaboration
KEY INTERACTIONS
INTERNAL
EXTERNAL
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Liabilities sales team
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Branch Operations Team
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State HR
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Credit
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Audit
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Vigilance and compliance
Location - Bengaluru , Bannerghatta , Chamarajanagar , Channapatna , Chikkaballapura , Chintamani , Gauribidanur , Gundlupet , Hassan , Hosakote , Kanakapura , Kollegal , Kothamangalam , Maddur , Magadi , Mysuru , Nagar , Nanjangud , Nelamangala , Pandavapura , Peenya , Piriyapatna , Puttur , Ramanujnagar , Rajanagaram , Shrirangapattana , Yelahanka
