Rural Assistant Unit Manager - Job Description

Job TitleRural Assistant Unit ManagerFunction / DepartmentRuralDepartment HeadRural HeadReporting ManagerUnit Manager
Purpose of the Job:

Credit Checks
Participating in marketing and branding events
Sourcing and training customers

Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness and Financial Management
- New Customer Acquisition
- Growth in volume funding
- Collections %
- NCL %
- Disbursal
- Customer Focus- Ensure center meetings are done
- Ensure collections & disbursement take place as per process
- Attending customer queries & resolution in TATPeople / Team- Attrition of team
- Grooming the members to the next level
- No.of escalations from the team
- Coordinating with GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc.
- RCR Rating/Grade
- Maintenance of all registers and statutory requirements
- Branch Hygiene
SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeR1 to R4R5 to R7RO3 to M3Nos. 4
Total :

Sr. No.Direct Reportees
(functional title/role title)Indicate brief job purpose1 2

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed1

- Creating a high quality portfolio: AUM is responsible for both creating and maintaining a high quality portfolio in group lending. He/she will thus have a strong voice in customer selection, by attending CPVs and by conducting GRTs.




- Ensure Credit Checks are done : Ensure all credit checks are complete for every group formed.
- Monitoring cash management: AUM assists the UM is in conducting cash reconciliation at the end of every day.
- Undertake regular house checks and check on the end use.
- Ensuring on-time collections: AUM is to attend 4 to 5 center meetings a day, to ensure on-time collections. In case there is a lapse in payment, AUM is responsible for following up with default customers (along with the GCO).
- Participating in marketing and branding events: As necessary

2

- Managing daily operations : AUM will lead a GCO huddle every evening, to understand daily operations and troubleshoot problems. AUM will assist the UM on branch administrative issues as and when they arise.
- Maintaining productivity: AUM will monitor performance of the GCOs using the prescribed various productivity parameters.
- Leading and training GCOs: AUM will support individual GCOs through their career development, besides aiding in taking the lead in training programs.
- Ensuring low risk: Identify and analyze risks (economic, social, political, etc) related to broader loan portfolio; ensure portfolio diversification and quality across activities and Area
- Ensuring customer satisfaction:



Ensure high level of customer satisfaction through high service quality. Look into and analyze reasons behind high drop-out rates and identifying techniques to reduce drop-out problems

Other factors relevant to the job

Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills) Ability to effectively communicate with the public
Good analytic skills, judgment and ability to make independent decisions informed by both quantitative and qualitative data (including informal feedback from stakeholders and non-business context: socio-political-religious environmental factors)
¢ Ability to work with minimal direction. Self-starter
¢ Valuable interpersonal, relationship management, customer service, and rapport building skills.
¢ Good leadership and people management skills, with ability to manage people both directly and indirectly at multiple levels and remotely
¢ Ability to prioritize, multi-task, delegate, and proactively resolve problems
¢ Demonstrated potential to take initiative in building a growing customer base and team
¢ Extremely disciplined and process-oriented
¢ Able and willing to spend majority of time in the field

Expertise required/ Domain Knowledge: Rural Market Knowledge

No. of years of relevant experience:
Minimum 4 years experience in Rural market including 2 years in a supervisory role.

Any specific specialization/education: 12th / Graduate

📌 Assistant Unit Manager - Group Loans (Miryalaguda)
🏢 SMFG INDIA CREDIT
📍 Miryalaguda