Il Ijp

**IL _ IJP-Loan Officer-Micro Banking-1114-Ramanagar, 1117-Maddur, 1173-Kengeri, ,1625-Srirangapatna, 1626-Mysuru double road, 1644-K R Nagar**:
Multiple locations
- Function
- SOUTH MICROBANKING-IL
- Job posted on
- Sep 12, 2025
- Employee Type
- Permanent
- Experience range (Years)
- 2 years - 4 years- 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