Loan Officer - Micro Banking

Job description

**Role & responsibilities** - Acquisition of new Unsecured loans customers from open market - Identification of quality leads from unsecured loans & liabilities customers for Unsecured loans - Assessment/evaluation of the leads generated which include analyzing credit histories & simple financial analysis by adhering to internal and external regulations - Monitor installment payments and collections of his/her customers - Enhancement of relationship with the existing customers by cross-selling Ujjivan??s products as per the profile & need of the customers. - Develop and execute strategies to acquire new unsecured loan customers - Collaborate with the liabilities team to cross-sell unsecured loans - Follow up on leads provided by team various channels within defined TAT - Achieve monthly loan disbursement targets through acquisition of new customers and conversion of existing customers - Coordinate with Products & Marketing department to carry out marketing drives at his/her assigned and catchment areas for unsecured loans - Prospect new customers, maintain database of the leads, meet & convert select prospects and manage the relationship thereafter - Attend center meetings to generate leads for Unsecured loans and actively driving conversion of existing borrowing customers into SBL customer - Cross sell other products of Ujjivan and pass quality leads to respective officers/staff - Share customer insights/product related feedback with the Branch Head and Area Manager Microfinance - Provide inputs pertaining to revision of product and credit policies to the respective teams on the basis of geography specific considerations **Preferred candidate profile** **Educational Qualifications :** Any Graduate **Experience :** Preferred experience of 2-4 years in banking, asset products sales or collection **Functional Skills** - Knowledge of Banking sector - Knowledge on individual lending - Unsecured loans/asset products and third-party products - Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage - Sales and marketing skills across multiple products - KYC norms/guidelines for secured loans