- 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.
- Monitor the process of 4-5 branches with portfolio of 150-200 Cr. with 40,000 customers.
- 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, Phone number 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 new 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.
- Cross check for the mandatory supervisory visits with respect to House visits and Center meeting visits have been done.
- Check if the Receipt book reconciliation / verification has been conducted by business and collection team on a sample basis.
- Check if the cash collected by branch and collection staff has been deposited at the branch on a sample basis.
- Check if the PGK kits reconciliation has been done by the operations team as per the process on a sample basis.
- Review the negative area and to recommend the area as negative based on the findings.
- Audit Score of the branch is in Excellent Grade to be ensured.

Customer

- Coordinate with Branch team, Credit Team and Operations team.
- Co-ordination with Audit and Vigilance for Identification, Investigation and Escalation of issues.
- Ensure timely reporting of the observations and ensure necessary actions.
- Ensure timely response to any clarifications.




- Actively participate in audit closure discussions of the branch.
- Staff and customers to be treated with respect during interaction and investigations.
- Send all reports/MIS on time to the concerned department.

Learning & Performance

- Provide suggestions, come up with current initiatives and suggestions. This should be shared in the form of report/document.
- Regular Training of branch team to create awareness and to educate them on the consequences of Policy and process lapses.
- IIBF certification – Fraud management.
- Training to branch staffs based on the observations on policy and processes. Training them on new process and policies as well.
- Ensuring visits to branches of other clusters to ensure understanding and learning through experience.
- Keep updated about the external factors of the geography which is linked with our segment.
- Improve the observation skills to identify any issues in the field and report critical findings for necessary action
- Visit competitors to understand the best practices and learnings from their field practices.
- Ensure adherence to training man-days/ mandatory training programs for self and reporters.
- Completion of Bi- Annual Certification Test and Training.
- Ensuring diligent weekly plan & execution in terms of branch visit for self & team.
- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

10 th / 12 th or Graduation or post-Graduation

Experience (Years and Core Experience Type)

Overall minimum 2 years of experience preferably in MFI sector in Sales, Credit, collection, vigilance and risk functions

Certifications

IIBF certification – Fraud management

Functional Skills

- Knowledge of Underwriting of Unsecured loans
- Knowledge of Documentation and Regulatory requirements
- Report writing and feedback
- Knowledge of portfolio parameters
- Achieve productivity month on month basis
- Knowledge of Ujjivan loan products
- Co-ordination with various stake holders of the bank
- Willingness to travel and visit branches as per criticality

Behavioral Skills

- Good observation skills. Should have eye on details.
- Ability to Prioritize the work based on the importance / urgency
- Strong Interpersonal skills, Ability to manage relationships both internally and externally
- Conflict management by resolving issues amicably
- Be professional while reporting the observations
- Respect for privacy of others
- Pro-activeness and initiative taking

Competencies

- Analytical skill and information management
- Communication skills – fluent in local language and English
- Knowledge of MFI and banking industry
- Strong computer skills - Word, Excel, PowerPoint
- KEY INTERACTIONS

INTERNAL

EXTERNAL

Sales, Vigilance, Audit, Collection and branch banking

Competitors, Customers

Prepared By

DATE :

REVIEWED BY : Praveena Swamy

DATE: 02-02-2024

LAST UPDATED BY : TM Team

DATE: 03-02-2024

📌 Field Credit Officer-MB and AB (Bengaluru)
🏢 Ujjivan Financial Services
📍 Bengaluru