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