Developand execute strategies to acquire new unsecured loan customers
Collaboratewith the liabilities team to cross-sell unsecured loans
Followup on leads provided by team various channels within defined TAT
Achievemonthly loan disbursement targets through acquisition of newcustomers and conversion of existing customers
Coordinatewith Products & Marketing department to carry out marketingdrives at his/her assigned and catchment areas for unsecuredloans
Prospectnew customers, maintain database of the leads, meet & convertselect prospects and manage the relationship thereafter
Attendcenter meetings to generate leads for Unsecured loans andactively driving conversion of existing borrowing customers intoSBL customer
Crosssell other products of Ujjivan and pass quality leads torespective officers/staff
Sharecustomer insights/product related feedback with the Branch Headand Area Manager Microfinance
Provideinputs pertaining to revision of product and credit policies tothe respective teams on the basis of geography specificconsiderations
Customer
Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services and establishprofessional relationship with them, with a long-term perspective
Conductthe appraisal process of potential customers in a courteousmanner without compromising quality
Guaranteeconfidential treatment of all the information gathered fromcustomers
InternalProcess
Carryout the pre and post-loan activities related to Unsecured loans,perform simple financial analysis, present the loan applicationsto the sanctioning authority by adhering to the set TAT &prioritize repayment of loans to maintain best portfolio quality
Visitthe customers business and residential place to conductthorough assessment/evaluation, following standard operationprocedures. Analyze and evaluate loan applications to determinethe situation of business, establish risks, determine thecapacity of repayment and adequate loan amount for the customersneeds and also evaluate the family situation and stability
Cooperatewith credit department in case of identifying discrepancies orproblems in customers information, reports, etc.
Coordinatewith Liabilities team if applicable, to ensure bank accounts areopened/activated to disburse loan amount and necessary standinginstructions to repay monthly disbursements and provide savingstool to customers
Performloan utilization check and follow up on disbursed loans,especially of the ones not paying on time
Incase of arrears, visits customers for loan recovery andcoordinate with collections officer to update the statusperiodically
Learning& Innovation
Maintainup to date knowledge of Unsecured loans as well as a workingknowledge of other products offered in branch
InformBranch Head about demand in the assigned area as well as oncompetition on a regular basis
Ensureadherence to training man-days/ mandatory training programs forself
Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines
Qualifications
Graduate,preferably in commerce and related streams
Experience
Preferredexperience of 2-4 years in banking, asset products sales orcollection
