Ijp

4 weeks ago

India Ujjivan Small Finance Bank Full time

**IJP-Loan Officer-Micro Banking-1688-Thadagani**:
South 1688-Thadagani, Shikaripura, Karnataka, India
- Department- SOUTH BUSINESS- Job posted on- Oct 21, 2024- Employment type- Permanent-
JOB TITLE

Loan Officer-Micro Banking

GRADE

DM-I

DEPARTMENT

Micro Banking

LOCATION

Branch

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

CRM

REPORTING INTO

NA
- **ROLE PURPOSE & OBJECTIVE**
- Drive acquisition of new Unsecured loans customers from open market
- **Identify quality leads from unsecured loans & liabilities customers through assessments by analyzing credit histories and performing financial analysis, ensuring compliance with internal and external regulations**
- Monitor and manage installment payments and collections of assigned customers
- Strengthen existing customer relationships through targeted cross-selling Ujjivan’s products customer profile & needs
- SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

5-7 Cr. Loan portfolio

NA
- 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**
- 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

Certifications
- NA

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
- **KEY INTERACTIONS
INTERNAL

EXTERNAL

Microbanking Team - CRO, FIO, ACRM, CRM, AM, DM, Product team

Customers

Credit Team - CO, CCM, ACM

Potential Customers

Branch Team - CCR, BOO, Cashier, BM

PREPARED BY: Micro Banking Team

DATE: 08-02-2024

REVIEWED BY: Diptarag D

DATE: 09-02-2024

LAST UPDATED BY: TM Team

DATE: 02-03-2024

  • Customer Service Supervisor

    5 months ago

    India Tata SIA Airlines Full time

    **Job Overview** To assist in supervising and managing all aspects of Vistara operations and customer services at the airport including check-in, boarding, ramp handling, arrival and baggage services. Supervisory role also requires understanding of internal/ external stakeholder management with thorough knowledge of Emergency Response Planning. **Key...

  • Customer Service Supervisor

    5 months ago

    India Tata SIA Airlines Full time

    **Job Overview** To assist in supervising and managing all aspects of Vistara operations and customer services at the airport including check-in, boarding, ramp handling, arrival and baggage services. Supervisory role also requires understanding of internal/ external stakeholder management with thorough knowledge of Emergency Response Planning **Key...

  • Senior Business Analyst

    3 weeks ago

    India Marsh McLennan Full time

    Job SummaryWe are seeking a highly skilled Senior Business Analyst to join our team at Marsh McLennan. As a Senior Business Analyst, you will be responsible for planning and prioritizing work, assisting leads, and collaborating with project teams to deliver complex solutions across client implementations.Key Responsibilities Plan and prioritize work for self...

  • Senior Business Analyst

    4 weeks ago

    India Marsh McLennan Full time

    About the RoleWe are seeking a highly skilled Senior Analyst to join our Digital Solutions team in India COE. As a Senior Analyst, you will play a key role in planning and prioritizing work, assisting leads, and collaborating with the project team to deliver high-quality solutions.Key ResponsibilitiesPlan and prioritize work for self and assist leads in all...

  • Senior Business Solutions Analyst

    3 weeks ago

    Gandhinagar/Anywhere in India/Multiple Locations EGVERSE TECHNOLOGY SOLUTIONS PRIVATE LIMITED Full time

    What We Offer :Health InsuranceTuition ReimbursementWork Life Balance InitiativesRewards & RecognitionInternal movement through IJPKey Responsibilities :Collaborate with stakeholders to understand business objectives, processes, and requirements.Conduct comprehensive analysis of business processes and systems to identify opportunities for improvement and...

  • Senior Analyst

    4 weeks ago

    india Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to:Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team.Lead / Manage – Small implementation projects /...

  • Lead Business Analyst

    2 weeks ago

    Gandhinagar/Anywhere in India/Multiple Locations EGVERSE TECHNOLOGY SOLUTIONS PRIVATE LIMITED Full time

    What We Offer : - Health Insurance - Tuition Reimbursement - Work Life Balance Initiatives - Rewards & Recognition - Internal movement through IJP What Youll be Doing ; - Collaborate with stakeholders to understand business objectives, processes, and requirements. - Conduct comprehensive analysis of business processes and systems to identify...

  • Lead Business Analyst

    1 month ago

    Gandhinagar/Anywhere in India/Multiple Locations, IN EGVERSE TECHNOLOGY SOLUTIONS PRIVATE LIMITED Full time

    What We Offer :- Health Insurance- Tuition Reimbursement- Work Life Balance Initiatives- Rewards & Recognition- Internal movement through IJPWhat Youll be Doing ;- Collaborate with stakeholders to understand business objectives, processes, and requirements.- Conduct comprehensive analysis of business processes and systems to identify opportunities for...

  • Senior Analyst

    4 weeks ago

    India Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to: Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team. Lead / Manage – Small implementation projects...

  • Senior Analyst

    3 weeks ago

    India Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to: Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team. Lead / Manage – Small implementation...

  • Senior Analyst

    3 weeks ago

    india Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to: Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team. Lead / Manage – Small implementation projects /...

  • Senior Analyst

    4 weeks ago

    India Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to:Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team.Lead / Manage – Small implementation projects /...

  • Senior Analyst

    4 weeks ago

    India Marsh McLennan Full time

    We are looking to hire Analyst II - Workday Practice – D in Digital Solutions, Career; India COE and expect the candidate to: Plan and prioritize work for self, assist lead by providing inputs on in all the phases of delivery lifecycle, collate and report status/impediments with the greater project team. Lead / Manage – Small implementation projects /...

  • Quality Leader

    1 month ago

    india IKS Health Full time

    About IKS Health IKS Health enables the enhanced delivery of exceptional healthcare for today’s practicing clinicians, medical groups and health systems. Supporting healthcare providers through every function of the patient visit, IKS Health is a go-to resource for organizations looking to effectively scale, improve quality and achieve cost savings...

  • Quality Leader

    1 month ago

    india IKS Health Full time

    About IKS HealthIKS Health enables the enhanced delivery of exceptional healthcare for today’s practicing clinicians, medical groups and health systems. Supporting healthcare providers through every function of the patient visit, IKS Health is a go-to resource for organizations looking to effectively scale, improve quality and achieve cost savings through...