Role Purpose Objective: Drive acquisition of new Unsecured loans customers from open market; Identify quality leads from unsecured loans liabilities customers through assessments by analyzing credit histories and performing financial analysis, ensuring compliance with internal and external regulations; Monitor and manage installment payments and collections of assigned customers; Strengthen existing customer relationships through targeted cross-selling Ujjivans products customer profile needs.
Responsibilities
- Drive acquisition of new Unsecured loans customers from open market
- Identify quality leads from unsecured loans liabilities customers through assessments by analyzing credit histories and performing financial analysis, ensuring compliance with internal and external regulations
- Monitor and manage installment payments and collections of assigned customers
Key Duties and Responsibilities of the Role Business/ Financials
- Develop and execute strategies to acquire new unsecured loan customers
- Collaborate with the liabilities team to cross-sell unsecured loans
- Follow up on leads provided by team various channels within defined TAT
- Achieve monthly loan disbursement targets through acquisition of new customers and conversion of existing customers
- Coordinate with Products Marketing department to carry out marketing drives at his/her assigned and catchment areas for unsecured loans
- Prospect current customers, maintain database of the leads, meet convert select prospects and manage the relationship thereafter
- Attend center meetings to generate leads for unsecured loans and actively driving conversion of existing borrowing customers into SBL customer
- Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
- Share customer insights/product related feedback with the Branch Head and Area Manager Microfinance
- Provide inputs pertaining to revision of product and credit policies to the respective teams on the basis of geography specific considerations
Customer
- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
- Conduct the appraisal process of potential customers in a courteous manner without compromising quality
- Guarantee confidential treatment of all the information gathered from customers
Internal Process
- Carry out the pre- and post-loan activities related to unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning authority by adhering to the set TAT, prioritize repayment of loans to maintain best portfolio quality
📌 Loan-Officer Micro Banking (Jodhpur)
🏢 Ujjivan Small Finance Bank
📍 Jodhpur
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