The Role: He/She will lead the end-to-end credit decisioning framework, focusing on achieving an 80% Straight Through Processing (STP) rate and drastically reducing Turnaround Time (TAT). This role sits at the intersection of credit risk, data analytics, and IT operations. Key Responsibilities: Automation Leadership: Drive the strategy for automated approvals and optimize business rules within the BRE on a quarterly basis. Data-Driven Insights: Conduct "what-if" analyses on policy amendments and lead monthly root-cause reviews on application rejections. Governance & Compliance: Establish a self-audit framework and lead internal/regulatory audits to ensure 100% compliance and robust audit trails. Stakeholder Management: Collaborate with IT, Data Analytics, and Business teams to align credit rules with organizational goals. Team Development: Oversee daily operations, providing technical mentorship and fostering a culture of continuous process improvement. What We’re Looking For: Proven experience in Credit Policy, Risk Management, or Credit Operations . Hands-on expertise with Business Rules Engines (BRE) and automated decisioning tools. Strong analytical mindset with the ability to translate data into actionable policy changes. Exceptional leadership skills and experience managing internal/external audits. Education : Graduates /MBA/MCA / Post-graduation or Equivalent preferably in finance / Business management. Experience : 7-10 years of experience in Business Rule engines & implementation of credit policy

Relationship Officer-Micro Mortgages - Meerut North 2220-Meerut, Meerut, Uttar Pradesh, India Department NORTH BUSINESS Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 1 year - 6 years Business/ Financials Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) 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 Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation

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; 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 Visit the customer??s business and residential place to conduct thorough 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 amount for the customer??s needs and also evaluate the family situation and stability Cooperate with credit department in case of identifying discrepancies or problems in customer??s information, reports, etc. Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse loan amount and necessary standing instructions to repay monthly disbursements and provide savings tool to customers 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 and coordinate with collections officer to update the status periodically Learning & Innovation Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in branch Inform Branch Head about demand in the assigned area as well as on competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate, preferably in commerce and related streams Experience Preferred experience of 2-4 years in banking, asset products sales or collection Functional Skills Knowledge of Banking sector Knowledge on individual lending - Secured loans/asset products and third-party products Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage Sales and marketing skills ?? across multiple products KYC norms/guidelines for secured loans Experience in Credit Assessment/Appraisal Communication Skills - fluent in the local language & English Behavioral Skills Multiple products selling skills Time management Customer relations management Achievement/performance oriented Possesses good interpersonal skills Documentation skills Willingness to travel & relocation as per business requirements and career opportunities Competencies Required Building Relationship Driving Change Planning & Organizing Collaboration

KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business PostDisbursement Quality check of all the Kisan Pragati Card, KisanSuvidha Loan and any other new products getting launched underRural banking Ensuretimely processing and recommendation to Operations for loanbooking Ensuresthe terms and conditions stipulated in the sanction letter arecomplied before initiating disbursement Dispatchof files to the Operations Hub for loan accountcreation/disbursement, handling of queries raised by operationsand resolving them through co-ordination with branch Ensureall the documents as per the product guidelines areobtained/arranged in the files before initiating account openingprocess BackendCIBIL or Equifax/High Mark Bureau report generation on therequest of Field Team EnsureQuality approvals and error free processing of forms (FIFO basis)in line with regular business requirement. Mustensure the underwriting quality on a comprehensive approach byescalating where ever breach of guidelines of respective product Extendbackup and support for PD in absence of credit officer ??field Impartingtraining to the Distribution team of Rural banking/microfinanceon the KPC, Agri composite loans, and other assigned products onthe proposal flow in QC and common errors observed during QC ConductLoan Utilization Checks for the recent disbursement cases as perpolicy. Ensureto participate and drive the successful implementation oftechnology based projects at backend and field Responsiblefor handling the vendor bills viz., advocate bills, technicalvaluers bills etc. Engagein collections for recovery, follow up for Incremental overduesand non-starters Tohandle tranche disbursements/ sub limit disbursements as persanction terms and conditions Responsiblefor collection and tracking of AODs from branches and updating itin system through Operations team Customer Ensurescustomer satisfaction by processing of loan applications withinthe TAT defined Branchvisits and monitor policy and process implementation on field. SampleField visits for end use verification of funds for the disbursedaccounts Queriesraised or Technical errors raised by Branches/field staff/otherdepartments (Distribution/SQ/Audit/IT) are resolved in a timelymanner Undertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institution Engagewith customer for any feedback on the products, policy andprocess Addresscustomer requests such as NDC on account of loan closure, anyother requests related to property documents, crop insurancedeclaration letters etc. Internalprocess RobustQC at backend-Checking the availability of all the documents asper the Kisan Pragati Card/ KSL checklist both in terms ofpre-sanction and post sanction documents Sharecritical findings & instances of policy/process violationidentified with supervisor Ensurecompleteness of post disbursement documents, follow up for ifgaps any Ensurethat the Issue/ deviations / policy/ process violation areescalated appropriately to the concerned department andsupervisors for implementation of penalty matrix. Attendaudit closure meetings to understand identified issues & takenecessary corrective measures. Tofallow up and collect the pending post disbursement documentsthrough a tracker Tomaintain MIS on Crop Insurance data, tracker on backend creditperformance with respect to in TAT and out TAT etc. Tomaintain MIS on the vendor bill (Legal & technical) processedmonth on month and resolving the issues/escalations pertaining tothe same Handholdingand Assistance to Credit Officers in controlling their Errorrates. Error Reports for all such Credit Officers should beshared with them and concerned managers every month. Responsiblefor instructing and execution of any sanction terms such asnetting off/ account transfer/ DD issuance to the vendor etc. Shouldinteract and establish co-ordination with all the stake holdersfor smooth functioning of business Tomanage back end process related to security updation in LMS andLOS, periodical revaluation of the properties as per bank??scollateral management policy Tomanage and support collections by coordinating for issuance ofvarious notices and to provide the update on legal actionsinitiated on default customers. Toensure AOD is being obtained for all the customers as per definedtimelines. Learning& Performance Maintainup to date knowledge of all the products and the geography Timelycompletion of E-Learning module in Swayam, handy train, HelloEnglish etc. Upgradeself and branch team about changes happening in the market Newproducts being introduced and new systems being adopted to belearnt quickly and to be adopted. Keepupdated with SLBC / DLC meetings & annual reports forinformation on investment on different types of crops for KCC /Agri limits. Keep abreast with ongoing farming operations in thefield & market. Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectives ClearAnnual Certification Test and Test Score of internal assignments Ensurenecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwriting Improvethe probing skills to identify any issues in the field and reportcritical findings / observations for necessary action. Workin close co-ordination with team members, participate indiscussion to improve back-end processes and activities Punctuality,Maintaining Discipline at work, Flexibility in work &decision making ability in approvals at backend.

Primary Responsibilities: BusinessMeet the set targets on liabilities in terms of open market acquisition existing customer conversionUnderstand need and acquire customers who meet the criteria for liability products through either of the below channelsLeads generated by branch staff and personal leadsReferrals generated from existing customersAlternate channelsMaintain the database of the prospects meet select prospects and manage the relationship thereafterAccompany CRS Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officersShare customer insightsproduct related feedback with the Sales Manager LiabilitiesCustomersInteract with customers in a courteous and professional manner provide prompt efficient and accurate services Reduce customer dormancy and customer attrition by continuous engagement interaction Resolves the customer queries on various accounts FD RD remittances third party productInternal ProcessesGuide the customer to fill the Account Opening Form ensure receipt and verification of KYC documents obtain customer signatures on all mandatory documentsStrictly adhere maintain compliance to KYC norms Drive the usage of alternate channels such as ATMs BCs and assist customers to use ATMs for dispensing cashLearning Performance Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branchResolve queries raised by CR Sunsecured loans wrt liability products and support them in selling liabilitiesEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines

KEYDUTIES & RESPONSIBILITIES OF THE ROLE Businessand customer Crosssell of liability, investment and asset products to both existingand NTB customers. Generatereferrals from internal base and ensure customer service issuesare addressed. Generateand review reports and file them accordingly. Administerand ensure compliance to all sales practices in branch. Meetthe business targets and identify sales opportunities. Generateleads for new business and customers. Prepareand analyze branch profitability. Hiringof sales resources and providing them with the requisite trainingand handholding them. Self-sourcingbusiness basis opportunity and potential. Customer Ensureseamless on-boarding experience for customers. Ensuringbest in class TAT and processing standards. Ensuringthat any service complaints are resolved in a timely manner. Profilingcustomers and providing them with the right product. Competitorwatch and give relevant suggestion and feedback to constantlyimprovise products in-tune with the market. Internalprocess Builda strong team. Workingtowards eliminating bottlenecks in the process and rejuvenatingthe customer journey with Ujjivan. Timelytraining of team members so as to ensure product knowledge,change in processes are communicated in a timely mannerdownwards. Innovation& Learning Enhanceon-job self-learning. Ensuretimely completion of training / learning programs assigned timeto time for self and for the team. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduation/MBA Experience(Yearsand Core Experience Type) 5to 6 years of experience with 2+ years of core retail bankingexperience. Functional Skills Timelycustomer service ProcessOrientation Multitaskingability Knowledgeof liabilities & asset products Complianceorientation Behavioral Skills Productand process knowledge Ableto motivate a team Communicationand management skills Resultoriented Competencies Planningand Organizing CustomerFocus ManagingRelationships DrivingExecution Collaborating Coaching BusinessAcumen Influencing

Primary Responsibilities: BusinessMeet the set targets on liabilities in terms of open market acquisition existing customer conversionUnderstand need and acquire customers who meet the criteria for liability products through either of the below channelsLeads generated by branch staff and personal leads Referrals generated from existing customersAlternate channelsMaintain the database of the prospects meet select prospects and manage the relationship thereafterAccompany CRS Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customerCross sell other secured loan products of Ujjivan and pass quality leads to respective loan officersShare customer insightsproduct related feedback with the Sales Manager Liabilities CustomersInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesReduce customer dormancy and customer attrition by continuous engagement interactionResolves the customer queries on various accounts FD RD remittances third party productInternal Processes Guide the customer to fill the Account Opening Form ensure receipt and verification of KYC documents obtain customer signatures on all mandatory documentsStrictly adhere maintain compliance to KYC normsDrive the usage of alternate channels such as ATMs BCs and assist customers to use ATMs for dispensing cashLearning Performance Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branchResolve queries raised by CRSunsecured loans wrt liability products and support them in selling liabilitiesEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Pune,Akurdi,Pimpri,Nashik,Navi Mumbai,Thane,Chembur,Mumbai,Dombivli, Ambarnath,Surat,Goregaon,Borivali,Sion,Santacruz,Vadodara,Bharuch,Ahmednagar, Satara,Karad,Aurangabad,Nagar,Bhiwani,Solapur,Sangli,Panvel,Kolhapur,Ahmedabad, Naroda,Ichalkaranji,Bardoli,Valsad,Jalgaon,Bhusawal,Mehsana,Himatnagar,Chowk,Rajkot, Rajpipla,Latur,Nagpur,Bhavnagar,Anand,Jamnagar,Morbi,Mira,Nanded,Vashi,Ghatkopar, Jalna,Gandhidham,Pusad,Gondiya,Virar,Bhuj,Govandi,Vapi,Gandhinagar,Nadiad,Jasdan, Bodeli,Lunawada,Vadali,Halol,Botad

ROLEPURPOSE & OBJECTIVE Thisrole drives the Bank??s operational efficiency byconsistently driving team??s productivity and achievingproductivity benchmarks. Along with its team of BDE,AAM and AM, this role isresponsible for sale of banks products. Thisrole is also important to cultivate networks and partnershipstoward existing Current account and Savings account customers andconsistently work on Customers retention. Hence,the role incumbent executes action plans on how best to manageCustomer Portfolios of existing accounts and to generate newcustomers. Therole incumbent is highly oriented to Customer Service, takesownership of all customer issues, proactively identifies possibleissue and brings any open customer complaint to closure. Thisrole is accountable to bring superior and efficientoperationalization of processes on - Account opening, FixedDeposits, etc. SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE CASAValues as per the branch TDTargets as per the branch CASANos & Values as per branch targets TDNos & Value -as per branch CrossSell KEYDUTIES & RESPONSIBILITIES OF THE ROLE Businessand customer Crosssell of liability, investment and asset products to both existingand NTB customers. Generatereferrals from internal base and ensure customer service issuesare addressed. Generateand review reports and file them accordingly. Administerand ensure compliance to all sales practices in branch. Meetthe business targets and identify sales opportunities. Generateleads for new business and customers. Prepareand analyze branch profitability. Hiringof sales resources and providing them with the requisite trainingand handholding them. Self-sourcingbusiness basis opportunity and potential. Customer Ensureseamless on-boarding experience for customers. Ensuringbest in class TAT and processing standards. Ensuringthat any service complaints are resolved in a timely manner. Profilingcustomers and providing them with the right product. Competitorwatch and give relevant suggestion and feedback to constantlyimprovise products in-tune with the market. Internalprocess Builda strong team. Workingtowards eliminating bottlenecks in the process and rejuvenatingthe customer journey with Ujjivan. Timelytraining of team members so as to ensure product knowledge,change in processes are communicated in a timely mannerdownwards. Innovation& Learning Enhanceon-job self-learning. Ensuretimely completion of training / learning programs assigned timeto time for self and for the team. MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduation/MBA Experience (Yearsand Core Experience Type) 5to 6 years of experience with 2+ years of core retail bankingexperience. FunctionalSkills Timelycustomer service ProcessOrientation Multitaskingability Knowledgeof liabilities & asset products Complianceorientation BehavioralSkills Productand process knowledge Ableto motivate a team Communicationand management skills Resultoriented Competencies Planningand Organizing CustomerFocus ManagingRelationships DrivingExecution Collaborating Coaching BusinessAcumen Influencing KEYINTERACTIONS INTERNAL EXTERNAL BusinessTeam Productteam MarketingTeam Location - Kothamangalam,Bengaluru,Magadi,Nagar,Peenya,Yelahanka,Dharwad,Belgaum, Davangere,Tumakuru,Tumkur,Shimoga,Mysuru,Bannerghatta,Chennai,Hospet,Mangaluru, Hyderabad,Rangareddy,Ballari,Visakhapatnam,Madhwapur,Salem

ROLEPURPOSE & OBJECTIVE Thisrole is primarily responsible for underwritinghigh ticket and open market loans in the field through thoroughassessment and personal discussion with borrower and / orco-borrower and unsecured loans of the microfinance and ruralbusiness vertical Theincumbent works on maintainingsuccessand growth of products by adhering to defined policy and processfor loan approval and creditpolicies and processes are followed effectively by sourcingstaffs and appraisers. SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE ILDisbursement of Rs. 2-3 Cr in a month and manage IL portfolio of12-15 Cr. SupportIL business of 3-4 Branches KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Underwritehigh ticket and open market loans in the field through thoroughassessment and personal discussion with borrower and / orco-borrower. Underwriteboth unsecured and secured loans of the microfinance and ruralbusiness vertical as below Individualloans ?? Business, Home improvement, Higher Education loans KCC,agriculture and livestock loans Maintainssuccess and growth of these products by adhering to definedpolicy and process for loan approval. Maintaincredit policies and processes are followed effectively bysourcing staffs and appraisers. Conductbusiness place, office, residence and farm visits of theapplicants based on the product and purpose of the loan. Conductreference checks with customers /suppliers / vendors / dealers.Assess repayment capacity, character and cash flow of theapplicant. Maintaincollection of relevant and proper documents. Maintain adherenceto internal and regulatory policies / compliances like KYC etc. Sanctionthe files appraised by the sales / distribution team throughthorough verification of the documents and assessment by theappraiser of the loan. Conductsample TVR and PDs of the cases appraised by the sales team alsoshadow appraiser on asample basis Escalatedeviations for necessary approval as per the deviation matrix.Observe for triggers in documents and escalate documents withissues to FCU team. Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix Responsiblefor portfolio quality of the loans underwritten for 12 MOB. Maintaindaily productivity with respect to personal discussions, qualitycheck of applications, sample visits and checks etc as per theset KRA. Impartingtraining to the microfinance team on the group lending,individual lending and other lending product??s creditpolicies, processes and systems, including regular trainings onchanges / refreshers. Monitoringrejections from field, guide the branch staff to control the sameand maintain higher number of Straight through applications frombranches. Report/Escalate critical issues at field for necessary action as perpenalty matrix and maintain compliance of Audit issues. ConductLoan Utilization Checks for the recent disbursement cases as perpolicy. Maintainto participate and drive the successful implementation oftechnology based projects at backend and field Planand address issues across Poor, High Risk and Critical branchesand maintain good risk management at the branches MaintainsPAR and provision are maintainedwithin the budget. Engagein collections for recovery, follow up for Incremental overduesand non-starters Sanctionthe files appraised by the sales / distribution team throughthorough verification of the documents and assessment by theappraiser of the loan. Decisionon loan applications as per credit approval grid, deviationmatrix and bureau matrix Responsiblefor portfolio quality of the loans underwritten for 12 months ofbooking. Impartingtraining to the microfinance team on the group lending,individual lending and other lending product??s creditpolicies, processes and systems, including regular trainings onchanges / refreshers. Report/ escalate critical issues at field for necessary action as perpenalty matrix and maintain compliance of audit issues. Maintainto participate and drive the successful implementation ofproduct and technology based projects at field MaintainsPAR and Provision are maintained within the acceptablelimit/budget. Maintainscustomer satisfaction by processing of loan applications withinthe TAT defined Maintainadherence to all regulatory norms with respect to KYC,documentation and sanctioning of loans Maintainup to date knowledge of all the product of the geography Quicklylearn of new products and systems being introduced and implementin the field. Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectives Undertakebusiness sub sector or occupation study and survey of branchworking areas. Customer Maintainscustomer satisfaction by processing of loan applications withinthe TAT defined Understandcustomers?? need & repayment capacity & makeappropriate loan decisions and recommend right product and loanamount to right customer Maintainthat credit responds to branch & customers queries and issuestimely, thereby ensuring good service to customers throughefficient processing of applications Undertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institution Engagewith customer for any feedback on the products, policy andprocess Internalprocess Maintainadherence to all regulatory norms with respect to KYC &Documentation, Customer Selection and Sanctioning of loans Maintaincompleteness of post disbursement documents, follow up for ifgaps any Reviewbranch working areas, negative areas, no-go areas and negativecustomer list Maintainthat the Issue/ deviations / policy/ process violation areescalated appropriately to the concerned department andsupervisors for implementation of penalty matrix. Attendaudit closure meetings to understand identified issues & takenecessary corrective measures. Maintainand update activity trackers ?? Personal discussions,Quality check of files shadow visits, sample checks, trainings,LUCs, escalations, deviations, branch errors Learning& Performance Maintainup to date knowledge of all the products and the geography Upgradeself and branch team about changes happening in the market Newproducts being introduced and new systems being adopted to belearnt quickly and to be adopted. Keepupdated with SLBC / DLC meetings & annual reports forinformation on investment on different types of crops for KCC /Agri limits. Keep abreast with ongoing farming operations in thefield & market. Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectives Undertakebusiness sub sector study and underwrite cases at field Maintainnecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwriting Improvethe probing skills to identify any issues in the field and reportcritical findings / observations for necessary action. Ensuringvisits in branches of other clusters to maintain understandingand learning through experience MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduationor Post Graduation Preferably in Commerce, Accounting, Economics,Mathematics or Business Management Experience 2-4years of experience preferably in field credit or sales of anyfinancial products FunctionalSkills Knowledgeof credit underwriting in unsecured and secured loans Businessanalysis skills and document verification skills Proficientin reading / understanding financial statements KYCnorms/guidelines for high ticket size loans Basicknowledge of security documents and process for - hypothecationand mortgage of property Basiccomputer knowledge and ease of technology usage (tablet /smartphone) Communicationskills - fluent in the local language and basic English StrongAnalytical and Interpretation skill. Good interrogationand investigation skills Highdegree of accuracy and attention to detail StrongInterpersonal skills & ability to manage relationships withinternal & external stakeholders BehavioralSkills Gooddecision making and judgement ability TimeManagement - Ability to prioritize the work based on theimportance / urgency Flexibleenough to support the business needs Customerrelations management Performanceoriented approach with high productivity Goodinterpersonal skills Willingnessto travel & relocation as per business requirements andcareer opportunities Competencies Planningand Organizing Execution Collaboration KEYINTERACTIONS INTERNAL EXTERNAL CustomerRelationship Officers, Loan Officers, CRM and Branch Manager Customersand community VigilanceOfficer and Auditors, Forthird party/reference check : Supplier, buyer, neighbours,employers involved in loan process CollectionOfficer FCUAgency, Vendors Competitors Staff of other MFI/SFB or banks Location - Bengaluru,Magadi,Ramanujnagar,Rajanagaram,Chikkaballapura,Belgaum,Tumakuru, Tumkur,Chitradurga,Shimoga,Mysuru,Tiptur,Dharmapuri,Sira,Erode,Coimbatore, Salem,Arcot,Gobichettipalayam,Udumalaipettai,Tiruppur,Cherthala,Dindigul, Virudhachalam, Gudalur,Coonoor,Thrissur,Thiruvaiyaru,Thanjavur,Hosakote, Mannargudi, Chikodi,Thiruvarur,Mayiladuthurai,Nagar,Rasipuram,Namakkal,Nelamangala, Sankarankoil,Nagercoil,Vellore,Tirunelveli,Chennai,Puttur,Kannur,Ottappalam, Koppal,Viluppuram,Bannerghatta,Bhadravati,Kottarakkara,Kumbakonam,Haveri, Kallakkurichi

Position description: Customer Relationship Officer Primary Responsibilities: Business FinancialsMeet the set targets on GL in terms of open market acquisition and repeat GL loansConvert GL customers family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balanceActively source term deposits FD and RD from Family members of GL customersOffer suitable Insurance products to customer and family members to provide adequate insurance coverage Identify GL customers who can be potentially given Individual loans either unsecured secured Service Unsecured IL requirements of the customerRefer quality leads of Secured loans to respective loan officersShare customer insightsproduct related feedback with the ACRM Customer Ensure customers and Family members are educated about entire bouquet of banking products Loans GLIL Secured Deposits Insurance offered by UjjivanInteract with customers in a courteous and professional manner provide prompt efficient and accurate servicesEnsure timely insurance claim settlement for hisher customersResolve customer queries pertaining to GL IL Family Banking within specified timelinesInternal ProcessIdentify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family BankingGroup Loans Fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training CGTsIndividual loans Analyze existing customer profile and repayment capacity fill customer profile forms Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC normsCoordinate with customers in the disbursement processConduct Center Meeting as per schedule without fail and ensure timely repayments collection of deposits for savings accounts fixed deposit updates all transactions on TrueCell an interface to track monetary transactionsOpen savings accounts for Customer and their Family members in Ujjivan Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy ProgramGive the detailed field reports to ACRM and discuss field related issuesLearning InnovationMaintain up to date knowledge of GLIL and Family Banking products and services as well as a working knowledge of other products offered in the branchEnsure adherence to training mandays mandatory training programs for self Ensure goal setting midyear review and performance appraisal processes are completed within specified timelines Location - Purnia,Kolkata,Parganas,Kasba,Thakurpukur Mahestola,Howrah,Barasat,Barrackpur,Habra,Belur,Chakdah,Nadia,Hooghly,Uluberia,Badvel,Sakchi,Jamshedpur,Domjur,Rajpur,Kanchrapara,Budge Budge,Dhanbad,Korha,Bagnan,Nagar,Bhubaneswar,Ratu,Ranchi,Panskura,Lalpur,Gobindpur,Saguna,Patna,Gamharia,Puri,Ghatshila,Hajipur,Bardhaman,Purba Champaran,Arambag,Panagarh,Chas,Jharia,Hazaribag,Purulia,Memari,Bolpur,Durgapur,Asansol,Dhaniakhali,Sundargarh,Rourkela,Jhumri Tilaiya,Kulti,Kharagpur,Midnapore,Paschim,Berhampore,Malda,Muzaffarpur,Bhagwanpur,Contai,Tamluk,Deoghar,Sambalpur,Balurghat,Jalpaiguri,Raiganj,Siliguri,Kamrup,Guwahati,Cooch Behar,Alipurduar,East Khasi Hills,Bargarh,Jharsuguda,Sultanganj,Bhagalpur,Sonapur,Sutahata,Gaya,Jehanabad,Hajo,Dhupguri,Maner,Darbhanga,Saharsa,Barauni,Begusarai,Agartala,Bishalgarh,Udaipur,Choudwar,Motihari,Samastipur,Tezpur,Sonitpur,Nagaon,Nalbari,Chariali,Golaghat,Jorhat,Raha,Pathsala,Teliamura,Kumarghat,Dharmanagar,North Tripura,Dogachia,Jagatsinghapur,Patapur,Jainagar,Basudebpur,Basirhat,Ekangarsarai,Mathura,Rae,Sahebganj,Dhaka,Rajgir,Nayagarh,Arrah,Buxar,Sasaram,Sitamarhi,Shiv,Chapra,Banka,Forbesganj,Karma,Giridih,Nabinagar,Aurangabad,Chowk,Bagodar,Garbeta,Medinipur,Madhubani,Egra,Araria,Raniganj,Murshidabad,Arwal,Jhanjharpur,Chanchal,Angul,Garhwa,Bankura,Birbhum,Bhabanipur,Jhargram,Teghra,Kalyanpur,Orissa,Tajpur,Bandra,Hasanpura,Lakhisarai,Khagaria,Uttar Dinajpur,Siwan,Sikandra,Jamui

Theincumbent will be primarily responsible to - Acquirenew customers for liabilities from open market Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers for liabilities Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers Train/assistcustomers to use ATM and BCs; drive usage of alternate channels FINANCIALSIZE NON-FINANCIALSIZE Managingthe Liability Book of the branch (Open Market CA SA TD) ??Approximately 2.5 Cr LiabilitiesCustomers handling Numberof portfolio products- CASA, TD KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels: Leadsgenerated by branch staff and personal leads Referralsgenerated from existing customers Alternatechannels Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers Sharecustomer insights/product related feedback with the Sales Manager- Liabilities Customers Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services Reducecustomer dormancy and customer attrition by continuous engagement/ interaction Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product InternalProcesses Guidethe customer to fill the ??Account Opening Form??;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents Strictlyadhere & maintain compliance to KYC norms Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash Learning& Performance Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities Ensureadherence to training man-days/ mandatory training programs forself Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate,preferably in commerce and related streams Experience yearexperience, preferably in sales Certifications AMFI/ IRDA Certified FunctionalSkills Basicknowledge on retail banking products Documentationskills Processcompliance focus Communicationskills: fluent in the local language BehavioralSkills Courteouscustomer service skills TimeManagement Sellingskills Telephoniccold calling skills Willingnessto travel & relocation as per business requirements andcareer opportunities Competencies Planning& Organizing DrivingExecution ManagingRelationships CustomerFocus KEYINTERACTIONS INTERNAL EXTERNAL BranchTeam ?? Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team RegionalProduct & Marketing team StateHR BCAgents

ROLEPURPOSE & OBJECTIVE Thisrole is responsible for acquiring new current account customersfrom the open market and enhance the relationship with existingcustomers (managing existing CA portfolio as assigned) bycross-selling products and services as per the profile & needof the customers. Thisrole drives thecurrent account business for the respective branch and ensure theCA targets for the branch is met. Theincumbent provides service to both existing as well as to NTBcurrent account customers. Thisrole also handles cross selling of QR & POS and is accountablefor adherence to compliance and regulatory norms. SIZEOF THE ROLE FINANCIALSIZE NON-FINANCIALSIZE CAbook size of the branch CATarget for the branch Generatequality sales leads Handlingof both internal and external queries KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Meetthe set targets on current account in terms of open marketacquisition & existing customer conversion Focuson building the current account book for the bank Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels: Leadsgenerated by branch staff and personal leads Referralsgenerated from existing customers Alternatechannels Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter AccompanyMSE staffs on the field for actively driving conversion ofexisting borrowing customers into liabilities customers Crosssell other products of Ujjivan such as QR, POS, Payment Gateway,OD & TPP and pass on quality leads to respective MSE loanofficers. Sharecustomer insights/product related feedback with the BranchManager Customers Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services Reducecustomer dormancy and customer attrition by continuous engagement/ interaction Resolvesthe customer queries. InternalProcesses Guidethe customer to fill the ??Account Opening Form??;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents Strictlyadhere & maintain compliance to KYC norms Drivethe cross sell of other products such as QR, POS & TPP Learning& Performance Maintainup to date knowledge of the CA liability products and services aswell as a working knowledge of other products offered in thebranch Ensureadherence to training man-days/ mandatory training programs forself Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate,preferably in commerce and related streams Experience(Yearsand Core Experience Type) Minimum3+ yearsof experience in retail branch banking (preferable in CA sales) FunctionalSkills Basicknowledge on retail banking products especially current account Documentationskills Processcompliance focus Communicationskills: fluent in the local language BehavioralSkills Courteouscustomer service skills TimeManagement Sellingskills Telephoniccold calling skills Willingness totravel & relocation as per business requirements and careeropportunities Competencies Planningand Organizing CustomerFocus ManagingRelationships DrivingExecution Collaborating Coaching BusinessAcumen Influencing KEYINTERACTIONS INTERNAL EXTERNAL BusinessTeams Customers Location - Kothamangalam,Bengaluru,Dharwad,Belgaum,Davangere,Tumakuru,Tumkur,Erode,Tiruvannamalai,Coimbatore,Ramanathapuram,Ernakulam,Thrissur,Mysuru,Tiruchirapalli,Bannerghatta,Madurai,Chennai,Thiruvananthapuram,Nagar,Medchal,Malkajgiri,Hyderabad,Rangareddy,Salem,Rajahmundry,Adyar,Kollam,Tambaram,Madhwapur,Vijayawada

REPORTS TO National Manager-Strategy REPORTING INTO Manager-Assets Strategy II. ROLE PURPOSE & OBJECTIVE Support creation and periodically modification of bank''s medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals. To identify, plan, and support execute strategic initiatives that drive sustainable assets growth, profitability, risk alignment, productivity across channels etc. in alignment with organizational vision and regulatory requirements. Work closely with business to ensure envisioned outcomes of the identified initiatives are achieved within desired timelines. Work with leadership team to address the market dynamics, emerging trends and evolving customer needs. Monitor and report on key performance indicators to measure the success of strategic initiatives Focus on growth, diversification and achieving scale as the bank transitions from SFB to Universal Bank (if approved by the regulator). III. SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE Assets Book size: 32000+ Cr. Number of portfolio products: 20+ IV. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Support the annual strategic planning exercise across businesses and quarterly strategy reviews Lead strategic planning for all asset classes (loans, advances, securitizations). Design competitive pricing strategies for various assets products while maintaining profitability margins Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats. Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions. Provide trusted advice and insight to the executive team on emerging market trends and policy developments, including how they could impact or be exploited. Drive GTM plans for new asset products and portfolio expansions. Formulate digital transformation and technology adoption strategies Monitor key financial metrics (yield, NIM, ROA) and recommend corrective actions. Customer (Both Internal & External) Foster relationships with key stakeholders, including management and team members Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings Present asset performance insights to the departmental heads and Executive Committees. Design customer acquisition and retention strategies Create customer experience enhancement initiatives Formulate pricing strategies for asset products Identify partnership opportunities with fintech companies Internal Process Management presentations on strategic initiatives and market developments Collaborate extensively internally to ensure the Bank??s strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Bank??s overall objectives. Establish governance frameworks for strategic initiatives, ensuring that all new initiatives are monitored for success and aligned with the bank??s strategic priorities. Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Bank??s progress against its objectives. Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution. Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank Analyze risks and complex issues to provide strategic guidance & efficient solutions. Ensure timely submission of all regulatory reports with zero non-compliance instances Innovation & Learning Lead organizational transformation and change management initiatives Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges. Responsible for product research and driving innovations as a part of the product strategy in ensuring the company is ready to capture emerging and future consumer demands. Providing and guiding team members to foster professional growth whilst promoting culture of accountability. Build a culture of continuous learning within the strategy team and across the bank, ensuring that best practices are applied. V. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Essential: Master''s degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking Preferred: Additional professional qualifications such as CFA, CA, or equivalent Alternative: Master''s in Economics, Finance, or related field with demonstrated strategic experience Experience Range (Years and Core Experience Type) Minimum: 10-15 years of progressive experience in banking, financial services, or strategic consulting. Certifications Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous Functional Skills Expert at effectively pivoting between strategic development and tactical deployment Digital Banking and Analytics Project Management Risk Management P&L understanding Exceptional listening, negotiation and conflict management skills Behavioral Skills Adaptability Innovation & Problem-Solving Customer-centric Mindset Analytical Thinking Forward thinking with the ability to engage others in casting a broader and focused vision Flexible mindset & innovative thinker who is willing to challenge standard thinking with new ideas, approaches and solutions Ability to motivate teams, lead complex projects Competencies Strategic Agility Financial & Business Acumen Risk Management Excellent Communication & Presentation Skills Ability to collaborate with various departments Forward-Thinking Mindset VI. KEY INTERACTIONS INTERNAL EXTERNAL Bank-wide Committees on Products, Processes & Governance All Vertical / Functional Heads IT Project Teams Functional Product Teams Industry Forums (CII, IBA, SFB Associations etc.) / Consortiums Consultants Vertical Heads of Technology Vendors and Fintech Partners

ROLEPURPOSE & OBJECTIVE Theincumbent will be primarily responsible to - Acquirenew customers for liabilities from open market Assistthe CRS - unsecured loans for conversion of existing borrowingcustomers for liabilities Enhancethe relationship with the existing customers by cross-sellingproducts and services as per the profile & need of thecustomers Train/assistcustomers to use ATM and BCs; drive usage of alternate channels FINANCIALSIZE NON-FINANCIALSIZE Targetassigned as per the branch CASABook ?? as per the branch TDBook ?? as per the branch Segmentwise book (NR, Senior Citizen, HNI etc) ?? as per the branch Numbertarget for all the respective products. CA SA TD KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business Meetthe set targets on liabilities in terms of open marketacquisition & existing customer conversion Understandneed and acquire customers who meet the criteria for liabilityproducts through either of the below channels: Leadsgenerated by branch staff and personal leads Referralsgenerated from existing customers Alternatechannels Maintainthe database of the prospects, meet select prospects and managethe relationship thereafter AccompanyCRS-Unsecured loans on the field for actively driving conversionof existing borrowing customers into liabilities customer Crosssell other secured loan products of Ujjivan and pass qualityleads to respective loan officers Sharecustomer insights/product related feedback with the Sales Manager- Liabilities Customers Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services Reducecustomer dormancy and customer attrition by continuous engagement/ interaction Resolvesthe customer queries on various accounts, FD / RD, remittances &third party product InternalProcesses Guidethe customer to fill the ??Account Opening Form??;ensure receipt and verification of KYC documents; obtain customersignatures on all mandatory documents Strictlyadhere & maintain compliance to KYC norms Drivethe usage of alternate channels such as ATMs, BCs and assistcustomers to use ATMs for dispensing cash Learning& Performance Maintainup to date knowledge of the liabilities products and services aswell as a working knowledge of other products offered in thebranch Resolvequeries raised by CRS-unsecured loans w.r.t liability productsand support them in selling liabilities Ensureadherence to training man-days/ mandatory training programs forself Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate,preferably in commerce and related streams Experience 1year experience, preferably in sales Certifications AMFI/ IRDA Certified FunctionalSkills Basicknowledge on retail banking products Documentationskills Processcompliance focus Communicationskills: fluent in the local language BehavioralSkills Courteouscustomer service skills TimeManagement Sellingskills Telephoniccold calling skills Willingnessto travel & relocation as per business requirements andcareer opportunities Competencies Planning& Organizing DrivingExecution ManagingRelationships CustomerFocus KEYINTERACTIONS INTERNAL EXTERNAL BranchTeam ?? Unsecured Loans (CRM, CRS); Secured Loans (LoanOfficers); Operations team RegionalProduct & Marketing team StateHR BCAgents Location - Hosur,Tirupathur,Vellore,Dharmapuri,Palacode,Ambur,Erode,Tiruvannamalai,Coimbatore,Arcot,Gobichettipalayam,Paramathi-Velur,Paramathi,Ramanathapuram,Udumalaipettai,Tiruppur,Puducherry,Sathyamangalam,Paravur,Paravoor,Cherthala,Cuddalore,Gudalur,Coonoor,Ooty,Thrissur,Kunnamkulam,Thiruvaiyaru,Thanjavur,Tiruchirapalli,Mannargudi,Karunagappally,Mayiladuthurai,Sivakasi,Rasipuram,Namakkal,Aruppukkottai,Tirunelveli,Nagercoil,Chennai,Kottayam,Kozhikode,Thiruvananthapuram,Perambalur,Nagar,Kannur,Salem,Mylapore,Thiruvallur,Mettupalayam,Alleppey,Kollam,Panruti,Virudhachalam,Kottarakkara,Dharapuram

Loan Officer-Housing Loans-Raipur North 2339-Raipur, Raipur, Chhattisgarh, India Function NORTH BUSINESS Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 0 - 0 Graduate in any discipline / Undergraduate candidates with 2 years of relevant experience can be considered Must have 1-4 years of experience in housing loans sales Should be a local person of the applying location Should have sound knowledge and experience in banking sales - specifically housing loans Lead Generation and acquiring new customers Ability to drive sales efficiently as per the targets Assessment of leads Maintaining customer relationships

Manager - Phone Banking Unit - Pune 2 West 4401-Pune RO, Pune, Maharashtra, India Department WEST PHONE BANKING Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 0 - 0 Formulate and execute the strategy for Phone & Video Banking channel for the Bank, which includes people, technology, process, performance and customer experience management. Design innovative ‘voice’, ‘video’ and ‘non-voice’ initiatives to reach out to customers to: Assist Bank in digitally onboarding new customers through VKYC/Video banking Provide resolution of customers’ grievances/queries as a top most priority Enable seamless customer engagement – welcome calls, payment reminders, transaction etc. Provide seamless/ branch like experience through video banking, as an alternative and effective channel for customer servicing and problem resolution Identify opportunities to generate & convert leads for Ujjivan products/services Decide on products/services to be offered through phone banking with a focus to drive profitability and sustainability of the channel Ensure compliance with regulatory, audit and risk guidelines for the channel Manage the end to end operations of the in-bound and out-bound contact center; including selecting, onboarding and managing the vendors (for contact center technology) on an ongoing basis to drive productivity and operational efficiency SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE INR 700~ crores business generation. Targeted customer retention, cross sell and up sell. Manage a portfolio of 1 lakh+ liability customers through Virtual RM platform. Maintain service levels for Phone & Video Banking for 1.5 lakhs+ inbound/outbound calls. KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business Reorganize and run the phone & video banking channels of Ujjivan Small Finance Bank with the objective of extracting the 'power of phone & video’ for delivering seamless customer experience; and identifying opportunities to grow business. Finalize vendors for establishing the inbound/outbound contact center for the bank; conduct periodic reviews to monitor performance, adherence to SLAs and adherence to risk framework Drive sales orientation amongst tele-callers; guide on leveraging every customer call for a possible cross-sell opportunity Achieve the overall targets for throughput (number of calls as per categories, no of sales leads, conversion rate etc.

Loan officer micro banking-4475- Bhusawal West 4475-Bhusawal, Bhusawal, Maharashtra, India Department WEST BUSINESS Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 0 - 0 Group Company: Ujjivan Small Finance Bank Limited Designation: Loan Officer-Rural Banking (UB-RB-SB-LORB), Loan Officer-Rural Banking (UB-RB-NB-LORB), Loan Officer-Rural Banking (UB-RB-EB-LORB), Loan Officer-Rural Banking (UB-RB-WB-LORB), Loan Officer-Micro Banking (UB-MB-EB-LO), Loan Officer-Micro Banking (UB-MB-NB-LO), Loan Officer-Micro Banking (UB-MB-WB-LO) Office Location: West 4475-Bhusawal Position description: Acquisition of new Unsecured loans customers from open market Identification of quality leads from unsecured loans & liabilities customers for Unsecured loans Assessment/evaluation of the leads generated which include analyzing credit histories & simple financial analysis by adhering to internal and external regulations Monitor installment payments and collections of his/her customers Enhancement of relationship with the existing customers by cross-selling Ujjivan’s products as per the profile & need of the customers Primary Responsibilities: Business/ Financials • Achieve the set targets on Unsecured loans in terms of open market acquisition and existing customer conversion • Work with liabilities team to focus on cross selling unsecured

Relationship Officer-Micro Mortgages - Meerut North 2220-Meerut, Meerut, Uttar Pradesh, India Department NORTH BUSINESS Job posted on Jan 09, 2026 Employment type Permanent Business/ Financials Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion Maintain database of the prospects, meet select prospects and manage the relationship thereafter Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans Should be ready to travel extensively across the catchment area of the location to build the base of business Customer (Both Internal & External) 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 Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization Internal Process Carry out the pre and post-loan activities related to MLAP Loans, perform simple financial analysis, present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures. Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager – MLAP Innovation & Learning Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch Inform Cluster Manager – MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis Ensure adherence to training man-days/ mandatory training programs for self Should be updated with the latest trends in civic and local laws of the location of operation

Agency Manager -Collection Retail East 3301-Kolkata RO, Kolkata, West Bengal, India Department EAST COLLECTIONS RETAIL Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 0 - 0 KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Monitor receivables and collections and provide updates of receivables with appropriate details Follow up with Branch staff and Field Collection staff to monitor & track status of collections Ensure maximum number of accounts is collected through follow ups and other defined communication techniques Engage in conducting field investigations and collecting delinquent accounts Work on Critical cases, getting it recovered from the customers. Trace out of absconded default customers and initiate recovery process Analyze and solve problems on a daily basis and keep track of all doings for future references Co-ordinate with tele-calling team to ensure an effective tele-calling process for effective collection follow ups & recoveries. Write-off of Nominee recovery cases, which are not recoverable even after taking all the efforts; run Write-Off recovery programs with involvement of relevant departments Customer Establish contact with customers and execute advanced loss prevention activities (i.e. skip tracing, settlement process) Field visits to default clients in view of collections and to study the repayment behavior of delinquent clients. Prepare a potential course of action to reduce the risk of uncollectible dues. Maintain fair collection practices while dealing with customers and ensuring that the team follows the same Internal Process Team management -monitoring and supervision of activities of the allotted team Identify accounts requiring legal action and provide same details to Area collection manager. Need to ensure through the team responsible for administrative work related to collection such as updating delinquent account history, updating change of customers' information, providing and maintaining MIS report, reviewing of collection feedback on daily, Weekly & Monthly basis, etc. Analyze delinquent accounts and prepare reports on high risk accounts and report the same Need to Guide the field collection team with regard their performance/target/balance to do and DRR Ensure timely recruitment based on work allotment & effectively allocate resources to achieve the desired goals Identify early warning signals and aid the branches & field collection team in managing efficient loan portfolio. Manage bad debt write off in accordance with the Collection Policy Ensure timely issuance of company notices to chronic defaulters as defined in the collections policy through credit team/Legal team and ensure regular follow ups by accountable staff at various levels Ensure usage of collection software in every day collections and enable feedback mechanism which is mandatory. And all reviews/reports & updation should happen in collection system. Innovation & Learning Need to train the team & branch staffs time to time on Collection Management/upgrading the Skills etc. Build a strong field collections team with clear objectives Manage daily activities of the team. Ensure that you and team are up to date on all relevant circulars and all products/services offered in the Branches. Ensure adherence to training man-days/ mandatory training programs for self and team. Ensure coordination between different teams, to build a collaborative spirit and shared sense of purpose. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications Graduate/PGDM/MBA from a Tier 2 or 3 college preferred Experience Role should have total 3-5 Yrs. of experience in Collection Should have Experience of handling a team in Collection for more than 1 yr Certifications NA Functional Skills Has to have tenacity in meeting targets. Behavioral Skills Team management Fluent in communicating local language Need the team to drive by examples through regular field visits & needs strong executions of strategies Take responsibility of effectiveness and timely completion of work. Planning, organizing and time management skill. Should have the ability to prioritize. Strong communication skills with the ability to communicate directly with field staff & customers. Local language skills will be preferred Competencies Business Acumen Cultivating Network & Partnerships Driving Execution Customer Focus

Credit Officer-Housing-Jabalpur North 2403-Jabalpur, Jabalpur, Madhya Pradesh, India Department NORTH CREDIT HOUSING Job posted on Jan 09, 2026 Employee Type Permanent Experience range (Years) 0 - 0 Underwriting of Home loans cases Monitoring of Portfolio of Home Loan for the Branch. Ensuring Process and Policies are adhered to. Ensuring TAT is met for all activities related to credit for the branch. CO-ordinate with Distribution/Business.