Loan Officer

4 weeks ago

Bengaluru, India Ujjivan Small Finance Bank Full time

Job Description - Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion - Maintain database of prospects, meet select prospects and manage the relationship thereafter - Follow up on leads provided by call center / liabilities team within defined TAT - Cross sell other products of Ujjivan and pass quality leads to respective officers/staff - Share customer insights/product related feedback with the Cluster Manager HL - Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans - 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 committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality - Visit the customers business and home to do the assessment/evaluation, following the Operations Manual procedures. Analyze and evaluate the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment and the adequate loan amount for the customer's needs, and also evaluate the family situation and stability - Visit the guarantor/collateral contact, explain about his/her role during the loan term - Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM Microfinance. - Inform the customer about the Credit Committee decision - Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements - Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time - In case of arrears, visits customers and guarantors for the 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 the branch - Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM Microfinance. - 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

  • Loan Officer

    7 days ago

    Bengaluru, Chennai, Hyderabad, India ti Steps Full time ₹ 5,00,000 - ₹ 15,00,000 per year

    About the Role:We are seeking a proactive and customer-focused Loan Officer to evaluate, authorize, or recommend approval of loan applications. The Loan Officer will guide clients through the loan process, assess financial information, and ensure compliance with regulatory and organizational policies.Key Responsibilities:Client Consultation & AdvisoryMeet...

  • Gold Loan Officer

    2 days ago

    Bengaluru, India Black & White Business Solutions Full time

    **Job Information**: Industry **Financial Services** *** Province **Karnataka** *** City **Bangalore North** *** Postal Code **560001** *** Country **India** *** - Effective communication Low interactions- Influencing People- High energy levels- Customer focus Low capability of assessing the customer experience in market- IT skills Basic IT skills -...

  • Loan Officer

    2 days ago

    Bengaluru, Chamarajanagar, Chikkaballapura, India Ujjivan Small Finance Bank Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    GRADE - DM-IDEPARTMENT - MicroBankingREPORTS TO - CRMROLE PURPOSE & OBJECTIVEDriveacquisition of new Unsecured loans customers from open marketIdentifyquality leads from unsecured loans & liabilities customersthrough assessments by analyzing credit histories and performingfinancial analysis, ensuring compliance with internal andexternal regulationsMonitorand...

  • Gold Loan Officer

    2 weeks ago

    Bengaluru, India SCGB Solutions Full time

    **About us**: SCGB Solutions provides specialised recruitment services. Please check the 'about our client column' to know about whom we are hiring for. **Responsibilities**: - **Requirements**: Requirement: - Applicants with previous experience from Banks, Loan business and NBFC’s will be prioritised- Basic Microsoft office skills will be an...

  • Loan Officer

    2 days ago

    Yelahanka, Bengaluru, Karnataka, India Bharath financial inclusion ltd Full time

    Urgent Hiring: Loan Officer for Bengaluru urban & Rural & Tumkur District. Pay: ₹11,186.25 - ₹15,000.00 per month Work Location: In person

  • Legal Associate

    6 hours ago

    Bengaluru, India Settle Loan Full time

    Job Title: Legal ConsultantLocation: Remote (Work from Home)Hiring specifically for candidates from JaipurOptional Work From Office available for candidates residing in Delhi NCRAbout Us:LexResolve Services Pvt Ltd (Settleloan.in) is a growing Legal-Tech platform offering smart financial solutions and debt resolution services to individuals across India....

  • Loan Officer

    1 week ago

    Bengaluru, Karnataka, India Bharat Financial Inclusion Full time

    **Job Role**: **Position**:Bharat Money Officer To ensure effective day to day productivity at branch in terms of 360-degree product selling and to ensure maintaining branch portfolio quality at all point of time. The person will be sole responsible for growth of the assigned branch and profitability as per the quality standards of the...

  • Loan Officer- Micro Banking

    4 weeks ago

    Bengaluru, India Ujjivan Small Finance Bank Full time

    Job Description 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...

  • Loan Sales Officer

    1 week ago

    Bengaluru, Chennai, Hyderabad, India ti Steps Full time ₹ 6,00,000 - ₹ 12,00,000 per year

    Job Summary:We are seeking a motivated and customer-focused Loan Sales Officer to join our sales team. The ideal candidate will be responsible for sourcing and selling various loan products including personal loans, home loans, business loans, auto loans, and credit lines to new and existing customers. The role involves field visits, lead generation,...

  • Loan Officer

    2 weeks ago

    Bengaluru, Karnataka, India Urban Standz Pvt Ltd Full time

    **Customer Consultation**: Meet with clients to understand their financial needs and recommend appropriate loan products. Provide clear information about terms, rates, and conditions. - **Credit Analysis**: Review applicants' credit history, income, and financial statements to determine eligibility for loans. Assess risk and ensure compliance with company...