Customer Care Representative

2 weeks ago


Mangalore, India Shikshadarpana Full time

Product Knowledge: Maintain a deep understanding of the bank's secured loan products, interest rates, terms, and conditions, ensuring accurate and up-to-date information is provided to customers
- Risk Assessment: Conduct thorough risk assessments by analyzing credit reports, income verification, and collateral valuation to mitigate potential lending risks
- Compliance: Adhere to all relevant banking regulations, policies, and procedures to ensure compliance with internal and external guidelines
- Relationship Building: Build strong and lasting relationships with clients, offering exceptional customer service to foster loyalty and repeat business
- Cross-selling: Identify opportunities for cross-selling other banking products and services that align with the customer's financial needs, such as insurance, investment options, and savings accounts
- Achieve Targets: Meet individual and team targets related to loan origination, loan quality, and customer satisfaction
- Documentation: Prepare accurate and complete loan documentation, ensuring all legal and regulatory requirements are met
- Market Research: Stay informed about industry trends, competitor offerings, and changes in the secured loan market, providing insights and recommendations to improve the bank's product portfolio

Qualifications and Skills:

- Bachelor's degree in finance, business administration, or a related field is preferred
- Proven experience as a Loan Officer or a similar role in the banking sector, with a focus on secured loans, is advantageous
- Strong understanding of secured loan products, lending principles, and credit risk assessment
- Excellent interpersonal and communication skills, with the ability to explain complex financial concepts to customers clearly
- Analytical mindset with attention to detail for accurate risk assessment and loan evaluation
- Customer-centric approach, demonstrating empathy and problem-solving skills to meet customer needs effectively
- Familiarity with relevant banking regulations and compliance requirements
- Proficiency in using banking software and systems for loan origination and documentation
- Sales-oriented mindset to achieve loan origination targets and identify cross-selling opportunities
- Ability to work independently and collaboratively within a team-oriented environment

**Job Types**: Full-time, Fresher

**Salary**: ₹15,000.00 - ₹18,000.00 per month

**Benefits**:

- Health insurance
- Life insurance
- Provident Fund

Schedule:

- Day shift
- Morning shift

Supplemental pay types:

- Performance bonus
- Quarterly bonus
- Yearly bonus

Application Question(s):

- Do you have two wheeler? Yes / No

**Education**:

- Bachelor's (required)

**Language**:

- English (required)
- Kannada (required)

**Speak with the employer**
+91 9916219313



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