KEYDUTIES &

RESPONSIBILITIES OF THE ROLE

Business

- PostDisbursement Quality check of all the Kisan Pragati Card, KisanSuvidha Loan and any other recent products getting launched underRural banking

- Ensuretimely processing and recommendation to Operations for loanbooking

- Ensuresthe terms and conditions stipulated in the sanction letter arecomplied before initiating disbursement

- Dispatchof files to the Operations Hub for loan accountcreation/disbursement, handling of queries raised by operationsand resolving them through co-ordination with branch

- Ensureall the documents as per the product guidelines areobtained/arranged in the files before initiating account openingprocess

- BackendCIBIL or Equifax/High Mark Bureau report generation on therequest of Field Team

- EnsureQuality approvals and error free processing of forms (FIFO basis)in line with regular business requirement.

- Mustensure the underwriting quality on a comprehensive approach byescalating where ever breach of guidelines of respective product

- Extendbackup and support for PD in absence of credit officer ??field

- Impartingtraining to the Distribution team of Rural banking/microfinanceon the KPC, Agri composite loans, and other assigned products onthe proposal flow in QC and common errors observed during QC

- ConductLoan Utilization Checks for the recent disbursement cases as perpolicy.

- Ensureto participate and drive the successful implementation oftechnology based projects at backend and field

- Responsiblefor handling the vendor bills viz., advocate bills, technicalvaluers bills etc.

- Engagein collections for recovery, follow up for Incremental overduesand non-starters

- Tohandle tranche disbursements/ sub limit disbursements as persanction terms and conditions

- Responsiblefor collection and tracking of AODs from branches and updating itin system through Operations team

Customer

- Ensurescustomer satisfaction by processing of loan applications withinthe TAT defined

- Branchvisits and monitor policy and process implementation on field.





- SampleField visits for end use verification of funds for the disbursedaccounts

- Queriesraised or Technical errors raised by Branches/field staff/otherdepartments (Distribution/SQ/Audit/IT) are resolved in a timelymanner

- Undertakevisits in other financial institutions for timely resolution ofissues relating customer or staffs of other institution

- Engagewith customer for any feedback on the products, policy andprocess

- Addresscustomer requests such as NDC on account of loan closure, anyother requests related to property documents, crop insurancedeclaration letters etc.

Internalprocess

- RobustQC at backend-Checking the availability of all the documents asper the Kisan Pragati Card/ KSL checklist both in terms ofpre-sanction and post sanction documents

- Sharecritical findings & instances of policy/process violationidentified with supervisor

- Ensurecompleteness of post disbursement documents, follow up for ifgaps any

- Ensurethat the Issue/ deviations / policy/ process violation areescalated appropriately to the concerned department andsupervisors for implementation of penalty matrix.

- Attendaudit closure meetings to understand identified issues & takenecessary corrective measures.

- Tofallow up and collect the pending post disbursement documentsthrough a tracker

- Tomaintain MIS on Crop Insurance data, tracker on backend creditperformance with respect to in TAT and out TAT etc.

- Tomaintain MIS on the vendor bill (Legal & technical) processedmonth on month and resolving the issues/escalations pertaining tothe same

- Handholdingand Assistance to Credit Officers in controlling their Errorrates.

Error





Reports for all such Credit Officers should beshared with them and concerned managers every month.

- Responsiblefor instructing and execution of any sanction terms such asnetting off/ account transfer/ DD issuance to the vendor etc.

- Shouldinteract and establish co-ordination with all the stake holdersfor smooth functioning of business

- Tomanage back end process related to security updation in LMS andLOS, periodical revaluation of the properties as per bank??scollateral management policy

- Tomanage and support collections by coordinating for issuance ofvarious notices and to provide the update on legal actionsinitiated on default customers.

- Toensure AOD is being obtained for all the customers as per definedtimelines.

Learning& Performance

- Maintainup to date knowledge of all the products and the geography

- Timelycompletion of E-Learning module in Swayam, handy train, HelloEnglish etc.

- Upgradeself and branch team about changes happening in the market

- Newproducts being introduced and new systems being adopted to belearnt quickly and to be adopted.

- Keepupdated with SLBC / DLC meetings & annual reports forinformation on investment on different types of crops for KCC /Agri limits. Keep abreast with ongoing farming operations in thefield & market.

- Networkingwith other NBFCs / Banks to have a deeper understanding of theIndustry and its perspectives

- ClearAnnual Certification Test and Test Score of internal assignments

- Ensurenecessary feedback is given to supervisors on regular basis aboutthe credit policies, processes and systems for effective andefficient underwriting

- Improvethe probing skills to identify any issues in the field and reportcritical findings / observations for necessary action.

- Workin close co-ordination with team members, participate indiscussion to improve back-end processes and activities

- Punctuality,Maintaining Discipline at work, Flexibility in work &decision; making ability in approvals at backend.

📌 Credit Officer - CAD - Agriculture Banking (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru