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