Job Summary

- 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.

Position Details

- Job Title: Field Credit Officer - MB AB

- Department: Credit

- Location: Branch

- Sub-Department: Credit - MB AB

- Type of Position: Full Time

- Reports To: Cluster Credit Manager- MB AB

- Reporting Into: NA

Size of the Role

- Financial Size: NA

- Non-Financial Size: 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 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 recent 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.

Internal Control

- 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.

📌 Field Credit Officer-MB and AB (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru