Portfolio Officer

1 week ago

Sanjay Place Agra Uttar Pradesh, India Ujjivan Small Finance Bank Full time

Portfolio Officer - Sanjay Place Agra:
North 2245-Sanjay Place Agra, Agra, Uttar Pradesh, India

  • Department
  • NORTH BUSINESS
  • Job posted on
  • Feb 01, 2024
  • Employee Type
  • Permanent
  • Experience range (Years) 2 years 4 yearsBusiness
  • Follow up with the customers to collect the repayment from the customer
  • Convince the customers to make the repayment, take PTP's and follow up
  • Update the status of the repayment to branch staff
  • Update the details of the interaction with the customer in the Software
  • Issue the Receipt to the customer and deposit the amount with the Cashier
  • Communicate the customers about the consequences of nonpayment
  • Trace out of absconded default customers and initiate recovery process
  • Initiate the Legal process in case of Non-Repayment based on the Document available with the organization
  • Manage collection process and legal guidelines; Initiate the process of reporting full details about nonpayment customers for action plan and maintain the Monthly Collection Target is met
  • Ensure that the Monthly individual collection target is met
  • Help distribution team in FTOD collection and working for preventive collection of cases.
Customer

  • Interact with the customers politely, Convince the customer to make the repayment
  • Maintain fair collection practices while dealing with customers
  • One should contact people other than the customers only to locate the borrower
  • Communicate the Consequences thoroughly to the customers about the Nonpayment
  • Issue the notices to the customers at different stages with details of further course of action
  • Understand the customers situation and adopt various strategies for collection
  • Customers should be treated with respect and no false, deceptive, or misleading claims should be made for the purpose of collecting repayments. This includes misrepresenting his/ her identity or falsifying facts about debt status or consequences of nonrepayment or claiming any monetary or nonmonetary awards post tracing of the customer.
  • At least 4 customers visit per day
Internal process

  • Ensure that collection process and legal guidelines to be adhered
  • Recommend for legal actions for nonrecoverable cases above Rs 10,000 O/s cases and follow up with the Legal Cell for the closure of the cases
  • Complete 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
  • Review the Cases with Manager before taking further course of action
  • Report any fraud identified in the field to Vigilance
  • Interact with different teams at appropriate verticals and if required engage them for collections.
  • Recommendation of doubtful overdue cases for writing off in coordination with the team.
  • Responsible for Xbucket (12+ MOB) and SMA accounts
  • Calling all previous month bounce cases from 1st to 5th of the month
  • Reporting of daily activities to Cluster Manager in a prescribed format
Learning & Performance

  • Ensure that you are up to date on all relevant circulars and all products/services offered in the Branches.
  • Ensure adherence to training mandays/ mandatory training programs for self
  • Ensure goalsetting, midyear review and annual appraisal process within specified timelines for self.
  • Ensure coordination between different teams, to build a collaborative spirit and shared sense of purpose.

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