Loan Officer-Micro Banking

Business/Financials

Develop and execute strategies to acquire new unsecured loancustomers

Collaborate with the liabilities team to cross-sell unsecuredloans

Follow up on leads provided by team various channels withindefined TAT

Achieve monthly loan disbursement targets through acquisition ofnew customers and conversion of existing customers

Coordinate with Products & Marketing department to carry outmarketing 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 andactively driving conversion of existing borrowing customers into SBL customer

Cross sell other products of Ujjivan and pass quality leads torespective officers/staff

Share customer insights/product related feedback with the BranchHead and Area Manager Microfinance

Provide inputs pertaining to revision of product and creditpolicies to the respective teams on the basis of geography specificconsiderations

Customer

Interact with customers in a courteous and professional manner;provide prompt, efficient and accurate services and establish professionalrelationship with them, with a long-term perspective

Conduct the appraisal process of potential customers in acourteous manner without compromising quality

Guarantee confidential treatment of all the information gatheredfrom customers

InternalProcess

Carry out the pre and post-loan activities related to Unsecuredloans, perform simple financial analysis, present the loan applications to thesanctioning authority by adhering to the set TAT & prioritize repayment ofloans to maintain best portfolio quality

Visit the customers business and residential place to conductthorough assessment/evaluation, following standard operation procedures.Analyze and evaluate loan applications to determine the situation of business,establish risks, determine the capacity of repayment and adequate loan amountfor the customers needs and also evaluate the family situation and stability

Cooperate with credit department in case of identifyingdiscrepancies or problems in customers information, reports, etc.

Coordinate with Liabilities team if applicable, to ensure bankaccounts are opened/activated to disburse loan amount and necessary standinginstructions to repay monthly disbursements and provide savings tool tocustomers

Perform loan utilization check and follow up on disbursed loans,especially of the ones not paying on time

In case of arrears, visits customers for loan recovery andcoordinate with collections officer to update the status periodically

Learning& Innovation

Maintain up to date knowledge of Unsecured loans as well as aworking knowledge of other products offered in branch

Inform Branch Head about demand in the assigned area as well as oncompetition on a regular basis

Ensure adherence to training man-days/ mandatory training programsfor self

Ensure goal setting, mid-year review and performance appraisalprocesses are completed within specified timelines