• POSITION DESCRIPTION JOB TITLE : Assistant Customer Relationship Manager GRADE : DM-II DEPARTMENT : Rural Banking

LOCATION:
Branch Name SUB-DEPARTMENT : TYPE OF POSITION : Full time REPORTS TO : Branch Manager REPORTING INTO NA
• ROLE PURPOSE & OBJECTIVE
• Actively support acquisition of customers for Group Loans
• Support conversion of existing borrowing customers for liabilities.
• To facilitate undertaking of initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
• Responsible to maintain process quality & ensures adherence to audit and compliance standards
• Responsible to maintain Branch Documents
• Responsible for Cross Selling
• Responsible for overall business in absence of BM/CRM
• To handle Cashier and BOO’s responsibility in their absence
• Adherence to defined set of processes and circulars
• Timely disbursement of sanctioned loans
• SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE
• Portfolio Managed
- approx. 10 Cr
• Volume of recruitment
- 5-15 Staff
- changes as per branch CRO budget
• No. of products served
- Group Loan, Individual Loan, CASA, TD and TPP products
• Credit files for query resolution
- approx. 200-500 files per month
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials
• Responsible to support the sales plans for the branch for MB unsecured and secured loans
• To assist setting weekly/monthly targets for the team, reviews the set targets on a regular basis
• Responsible to support acquisition of new GL customers; conversion of customers from unsecured to secured loans (Where Applicable)
• Guide the CROs to enable conversion of existing borrowing customers for liabilities
• Support the marketing initiatives designed by products & marketing department
• Assess the market potential and give feedback on product modification and new product development to the regional product teams
• Share insights on competitor products to the regional product/marketing teams.




• Responsible for the overall Branch Liabilities Target and cross selling targets Customer
• Ensure customers and CROs are educated about the unsecured loans and liabilities products offered by Ujjivan.
• Resolve customer queries/grievances (pertaining to GL, unsecured IL, liabilities) escalated from the CROs within specified time frame Internal Process
• Oversee and facilitate collection of documents for account opening in strict adherence to KYC norms
• Keep abreast of the changes in policies and guidelines by RBI, ensures his/her team is educated on the changes to ensure strict adherence
• Responsible for correct storage of client information and any other documentation inclusive internal reports, memos etc.
• Oversee follow-ups with overdue customers to collect the payments
• Conduct customer house visits, cross verify the documents and details in the Customer Profile forms (CPF) and Loan Application forms (LAF), conduct Group Recognition Training (GRTs)
• Perform visits to the Center meetings to check whether they are as per the defined process
• Ensure CROs deposits Centre meeting cash at the nearest or collocated BCs
• Ensures that 100% loan utilization check is conducted by the CRO within 7 days from the day of disbursement.
• Daily Monitoring of form pendency and ‘Till balance’
• To maintain smoothly operation of Branch activities in coordination with Cashier & CCR Desk
• Responsible for timely BOD, COB and EOD Process
• Should be compatible with Financial Software application Like Br.net, Finacle etc.
• Providing potential leads to other secured and unsecured verticals Learning & Innovation




• Coach the branch staff on unsecured loans products to support achieving targets and support them in conversion of existing customers for deposit products
• Resolve queries and escalations from the team in a well-defined timeframe
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees
• Monitor timely completion of mandatory courses of the staff
• Monitor timely completion of mandatory annual leave of the staff
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS Educational Qualifications
• Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered. Experience
• 2-4 years of experience in MFI sales & team handling experience Certifications
• NA Functional Skills
• Knowledge on unsecured products
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
• Basic knowledge of accounting and finance administration desirable
• Is fluent in the local languages and has a working knowledge of English
• Knowledge of KYC/AML norms and other guidelines for liabilities Behavioral Skills
• Multiple product selling skills
• Willingness to travel & relocation as per business requirements and career opportunities
• Interpersonal skills
• Ability to interface (orally and in writing) with all levels of associates and customers
• Ability to manage teams and drive performance
• Training skills Competencies Required
• Building Relationship
• Driving Change
• Planning & Organizing
• Collaboration
• KEY INTERACTIONS INTERNAL EXTERNAL
• Liabilities sales team
• Branch Operations Team
• State HR
• Credit
• Audit
• Vigilance and compliance
• Customers PREPARED BY: Sharanesh R DATE: 08-02-2024 REVIEWED BY: Subho Biswas DATE: 08-02-2024 LAST UPDATED BY: TM Team DATE: 13-02-2024

📌 External ACRM-MB-New (Sri Muktsar Sahib)
🏢 Ujjivan Small Finance Bank
📍 Sri Muktsar Sahib