Il

**IL - Loan Officer-Micro Banking - EAST - Micro Banking**:
East 3301-Kolkata RO, Kolkata, West Bengal, India
- Department
- EAST MICROBANKING-IL
- Job posted on
- Sep 17, 2025
- Employment type
- PermanentJOB 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 & needsSIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

5-7 Cr. Loan portfolio

NAKEY 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
- QualificationsGraduate, preferably in commerce and related streams

ExperiencePreferred experience of 2-4 years in banking, asset products sales or collection

CertificationsNA

Functional SkillsKnowledge 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 RequiredBuilding Relationship- Driving Change- Planning & Organizing- Collaboration