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
