Job Description

1. POSITION DESCRIPTION

JOB TITLE

Field Credit Officer MB AB

GRADE

DM-II

DEPARTMENT

Credit

LOCATION

Branch

SUB-DEPARTMENT

Credit MB AB

TYPE OF POSITION

Full Time

REPORTS TO

Cluster Credit Manager- MB AB

REPORTING INTO

NA

ROLE PURPOSE OBJECTIVE

- The role is responsible undertaking constant pre-emptive monitoring of micro banking field operations in branches with the objective of early identification of potential operational process lapses, transactional risk, credit risk and reputational risk.
- The role is accountable for making effective use of data insights and triggers to mitigate potential loss/risks emanating from branch operations.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

- NA

- Although this position will not be directly engaged in underwriting however the risk associated to cluster will come under the purview.

KEY DUTIES RESPONSIBILITIES OF THE ROLE

Business

- Visit center meeting to understand the collection and acquisition process.
- Visit recent disbursed cases to understand the acquisition and disbursement process.
- Visit Incremental overdue customers to check the reason for delinquency and to identify the gaps in collection and acquisition process.
- Visit Non-starter/ quick mortality cases to understand the issues in the cases.
- Visit NPA cases on a sample basis based on the trigger to check the collection process.
- Conduct sample Group Loan House visit i.e. around 30-40 customers HV in a month.
- Conduct HV / GRT certification for the branch staff. Shadow House visit along with branch staff. Shadowing with high DR HV/PD person having DR % more than the benchmark
- Sample visit of the IL customers after the disbursement.




- Check end use of sample high ticket size loans under group and individual loan.
- Verification and investigations to be conducted based on the triggers with high disbursement centers, High NCA Centers, High delinquency centers, centers/staff with sudden increase/decrease in CE, centers of staff in notice period, centers of new staff, centers with high remittance income, centers with high non-MFI loans etc.
- Post disbursement hindsight verification of Group loan and Individual loan applications / files. Check whether GL IL files were processed as per policy processes.
- Check high rejection (GL) branches to make understand the quality of sourcing.
- Sample calling to customers based on trigger as per MIS to understand feedback from customer.
- Check if all the information (income, obligations, occupation, requirement etc.) is properly and accurately captured while assessing the loan for customers.
- Check for the accuracy of collection of KYC documents, bureau generation, and geo location of the borrower as per the policy of the bank.
- Check if the customers have been acquired from the approved areas or non-negative areas.
- Monitor the disbursement process for GL and IL customers at the branch,



check if the disbursement kits are handed over the customers after verifying the KYC of the customers.
- Ensuring healthy portfolio through regular monitoring of the branches for the adherence of policies and processes.

InternalControl

- Conduct periodic review of adherence to existing credit policies/processes and provide feedback based on field insights market insights to strengthen the policy processes and quality customer acquisition.
- Ensure accuracy with complete details while reporting the critical observations.
- Highlight the issues / deviations /critical observations in the field escalate issues to supervisor for initiating necessary action as defined in SOP for Disciplinary Proceedings.
- Report observations on staff frauds, process lapses, policy lapses and capturing incorrect information as per the process.
- Share observations and raise in IDM wherever required. Observations should be documented and highlighted to the concerned parties.
- Report customer related issues like sub lending, loan sharing, commission agents etc.
- Report on any external factors which shall impact the portfolio quality of the branches.
- Prepare an action plan for the branches based on the observations on policy, process and portfolio quality.
- Recommend for actions on policy and staff viz recent customer acquisition, branch credit limits, House visit authority to branch staff.
- High field presence with regular visit to risk branches of assigned cluster, understand the condition recommend the corrective actions.
- Find out insurance related issue, bureau dispute and cash misappropriation cases.
- Check whether employee/staff is certified for PD/HV authority.

📌 Field Credit Officer-MB and RB-Sathyamangalam
🏢 Ujjivan Small Finance Bank
📍 Sathyamangalam