Loan Officer (Arcot)

POSITION DESCRIPTION JOB TITLE : Loan Officer-Micro Banking GRADE : DM-I DEPARTMENT : Micro Banking LOCATION : Branch SUB-DEPARTMENT : TYPE OF POSITION : Full-time REPORTS TO : CRM REPORTING INTO NA ROLE PURPOSE & OBJECTIVE Drive acquisition of new Unsecured loans customers from open market Identify quality leads from unsecured loans & liabilities customers through assessments by analyzing credit histories and performing financial analysis, ensuring compliance with internal and external regulations Monitor and manage installment payments and collections of assigned customers Strengthen existing customer relationships through targeted cross-selling Ujjivans products customer profile & needs SIZE OF THE ROLE FINANCIAL SIZE NON-FINANCIAL SIZE 5-7 Cr. Loan portfolio NA KEY DUTIES & RESPONSIBILITIES OF THE ROLE Business/ Financials Develop and execute strategies to acquire recent 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 current 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 Customer Interact with customers in a courteous and professional manner; .