External-LO-Agri Banking Professional

2 days ago

Agra Aligarh Alwar, India Ujjivan Small Finance Bank Full time ₹ 2,00,000 - ₹ 6,00,000 per year

ROLEPURPOSE & OBJECTIVE

  • LoanOfficer- Secured LOANS

  • Managingsecured loans of assigned URC/SFB branch

  • Planningand organizing micro marketing activities for leads and business
  • Lookingfor Early Warning Signals and informing the same to corporateteam for timely corrective action in asset business

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

  • CustomerBase 70 Customers Approximately

  • Portfoliosize approx. 5 Crs

  • Customerrelationship building

  • Collections
  • Leadgeneration
  • Marketingactivities

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Business:

  • ManagingAsset Products- managing Kisan Credit Card, Agri EnterpriseLoans, other secured loans
  • Knowledgeon process and products- mortgage processes of the state in KisanCredit Card, other product
  • Cross-sellof liability products and third-party products
  • Formationof Farmers Clubs one per branch/leveraging existing clubs,making use of the same for banks business
  • Workwith team in harnessing the potential of the area and achievingthe set targets

Customer:

  • Ensurethat issues/ complaints raised by the customer are resolvedwithin agreed TAT, work with Service Quality for improvingcustomer service on an ongoing basis
  • Developingand maintaining rapport with key persons / opinion makers ofthe village
  • Workclosely with Credit and Ops to ensure timely sanctions and DBCustomer

Internalprocess:

  • Completingmortgages on time/collection of Post disbursement documents
  • Ensuringthe collection efficiency and containing PAR and IOD withinthreshold levels

Learning& performance:

  • Keepself-updated on the latest product, process and regulatoryguidelines.
  • Ensurecompletion of all nominated trainings for self.

Qualifications

  • Graduate,preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBAin Rural Management will be an added advantage

Experience(Years and Core Experience Type)

  • Minimum1-2 years of experience covering assets (agri and allied activityloans) and cross-sell in rural areas in a bank/ rural businessfocused input company

FunctionalSkills

  • Richknowledge of rural markets, marketing activities and productssuitable for rural / semi-urban markets (Rural urban corridors),team management, stake holder coordination and focus on P&Lof overall business, fee income Should have managed a largerteam/ geography.

BehavioralSkills

  • Positiveapproach towards rural customers, rapport with Govt. Agencies, gogetter, pro-active, motivating in bringing the best of team,mentor in setting examples, good trainer.

Location - Agra,Aligarh,Alwar,Bareilly,Bijnor,Bulandshahr,Chaurah,Ellenabad,Fatehabad,Ganganagar,Haldwani,Hanumangarh,Hapur,Hathras,Hisar,Jaipur,Jabalpur,Jodhpur,Kaithal,Kalan,Kishangarh,Meerut,Moradabad,Muzaffarnagar,Nagar,Narwana,Palin,Rampur,Rudrapur,Sameli,Sikandrabad,Sultanpur,Suratgarh

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