Company Description Utkarsh Small Finance Bank Limited (USFBL) is a regulated small finance bank providing banking and financial services with a strong focus on underserved and unserved communities across India. Headquartered in Varanasi, Uttar Pradesh, the bank has a significant presence in rural and semi-urban areas, especially through its lending activities.

Utkarsh offers microfinance loans under the Joint Liability Group (JLG) model, as well as MSME loans, housing loans, personal loans, commercial vehicle loans, construction equipment loans, and wholesale lending. The bank complements its branch network with digital services including Internet and Mobile Banking, online account opening, and a wide range of ATMs and Micro ATMs. Building on its origins in microfinance, Utkarsh continues to expand inclusive financial access while modernizing customer service through technology.

Role Description The Customer Service Officer role is a full-time, on-site position based in Ratlam. The individual in this role will handle customer inquiries and requests at the branch, assist with account opening and servicing, and support customers in using digital banking channels and ATM services.

Responsibilities include resolving customer issues promptly, guiding customers on products such as microfinance and retail loans, and ensuring accurate processing of transactions and documentation.

The Customer Service





Officer will maintain high standards of customer experience at the branch, collaborate with branch staff to meet service and compliance standards, and provide transparent, courteous communication to all customers.

Qualifications

- Candidates should possess robust Interpersonal Skills to build trust and communicate effectively with diverse customers.
- Candidates should possess Customer Service and Customer Support skills to handle queries, resolve issues, and manage branch interactions professionally.
- Candidates should possess Customer Satisfaction and Customer Experience skills to ensure positive, efficient, and respectful service at every touchpoint.
- Candidates should possess basic banking and financial services knowledge, with the ability to learn about microfinance, retail loans, and digital banking offerings.
- Candidates should possess good spoken and written communication skills in relevant local language(s) and English, along with attention to detail in documentation.
- Candidates should possess strong problem-solving abilities, integrity, and a customer-centric mindset; prior branch banking or financial services experience is an advantage.
- Candidates should possess at least a graduate-level qualification in any discipline; familiarity with computer applications and mobile/Internet banking platforms is desirable.

📌 Customer Service Officer (Ratlam)
🏢 Utkarsh Small Finance Bank
📍 Ratlam