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- 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
