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Loan Officer

2 weeks ago

India Ujjivan Small Finance Bank Full time

**Loan officer - Microbanking**:
Multiple locations
- Department
- SOUTH BUSINESS
- Job posted on
- Sep 08, 2025
- 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