Customer Relationship Officer - Micro Banking

Job description

ROLEPURPOSE & OBJECTIVE • Managesbanking relationship with 650 families within the geographic areaof control by offering full range of banking services • Directlyresponsible to acquire new customers for Group Lending (GL)business and servicing existing customers • Upsellloans to right customers and family members based on requirementand capacity to repay • Offerand onboard Savings Accounts and other deposit products tocustomer, their family members and their references • Deliverprompt customer services; be accessible to customers at all timesfor GL, IL and Family Banking queries • G enerate quality leads for cross-selling for third party products offered by Ujjivan Small finance Bank. • Provide timely loan for eligible repeat and top-up customers. • Adherence to the defined set of processes and circulars. KEYDUTIES & RESPONSIBILITIES OF THE ROLE Business/Financials • Meetthe set targets on Group Loans (GL) in terms of open marketacquisition and repeat GL loans • ConvertGL customers, family member and referrals for Family Banking interms of opening Savings Accounts and maintaining minimum balance • Activelysource term deposits (FD and RD) from Family members of GLcustomers • Offersuitable Insurance products to customer and family members toprovide adequate insurance coverage • Identify,process and refer GL customers who can be potentially givenIndividual loans either unsecured /secured • Sharecustomer insights/product related feedback with the ACRM Customer • Ensurecustomers and Family members are educated about entire bouquet ofbanking products (Loans GL, IL, Secured, Deposits &Insurance) offered by Ujjivan • Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services • Ensuretimely insurance claim settlement for his/her customers • Resolvecustomer queries/ pertainingto GL, IL & Family Banking within specified timelines InternalProcess • Identifyand conduct surveys of new working areas for group formation andconducts projection meeting for GL and Family Banking • GroupLoans: Fill customer profile forms, Loan Application form withaccuracy and collects supporting documents for account opening instrict adherence to KYC norms followed by a Compulsory GroupTraining (CGTs) • Individualloans (for certified CROs): Analyze existing customer profile andrepayment capacity, fill customer profile forms, Loan Applicationform with accuracy and collects supporting documents for accountopening in strict adherence to KYC norms • Coordinatewith customers in the disbursement process • ConductCenter Meeting as per schedule without fail and ensure timelyrepayments, collection of deposits for savings accounts / fixeddeposit, updates all transactions on True-Cell, an interface totrack monetary transactions • Opensavings accounts for Customer and their Family members in Ujjivan • Helpto conduct the CSR activities and motivates customers toparticipate in the Financial Literacy Program • Givethe detailed field reports to ACRM and discuss field relatedissues • Adherence to the defined set of processes and circulars. Learning& Innovation • Maintainup to date knowledge of GL, IL and Family Banking products andservices as well as a working knowledge of other products offeredin the branch • Ensureadherence to training man-days/ mandatory training programs forself • Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines Educational Qualifications • Graduate Experience • 0-1year experience for Graduates • FieldExperience preferably in product sales, banking or collection Certifications • NA FunctionalSkills • Knowledgeon unsecured products • BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage • Isfluent in the local languages and has a working knowledge ofEnglish BehavioralSkills • Productselling skills • Willingnessto travel & relocation as per business requirements andcareer opportunities • Interpersonalskills • Abilityto interface (orally and in writing) with all levels ofassociates and customers • Abilityto manage teams and drive performance • Trainingskills CompetenciesRequired • BuildingRelationship • DrivingChange • Planning& Organizing • Collaboration Location - Kothamangalam,Bengaluru,Magadi,Nagar,Ramanujnagar,Rajanagaram,Peenya,Maddur,Yelahanka,Channapatna,Chikkaballapura,Gauribidanur,Mysuru,Chintamani,Nanjangud,Shrirangapattana,Gundlupet,Chamarajanagar,Hosakote,Bannerghatta,Kollegal,Nelamangala,Pandavapura,Kanakapura,Puttur,Piriyapatna,Hassan,Paramathi-Velur,Paramathi