Ujjivan Financial Services
Website:
ujjivansfb.in
Job details:
JOB TITLE : Customer Relationship Officer
GRADE : O/AM-I/AM-II
DEPARTMENT : MICROBANKING
LOCATION : Branch
SUB-DEPARTMENT : TYPE OF POSITION : Full-time
REPORTS TO : Assistant Customer Relationship Manager
REPORTING INTO
NA
- Manages banking relationship with 650 families within the geographic area of control by offering full range of banking services
- Directly responsible to acquire new customers for Group Lending (GL) business and servicing existing customers
- Upsell loans to right customers and family members based on requirement and capacity to repay
- Offer and onboard Savings Accounts and other deposit products to customer, their family members and their references
- Deliver prompt customer services; be accessible to customers at all times for 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.
- SIZE OF THE ROLE
FINANCIAL SIZE
NON-FINANCIAL SIZE
Portfolio Managed- Customers handled-
Number of portfolio products- Group Loan, Individual Loan, CASA, TD and TPP products KEY DUTIES & RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Meet the set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans
- Convert GL customers, family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balance
- Actively source term deposits (FD and RD) from Family members of GL customers
- Offer suitable Insurance products to customer and family members to provide adequate insurance coverage
- Identify, process and refer GL customers who can be potentially given Individual loans either unsecured /secured
- Share customer insights/product related feedback with the ACRM
Customer
- Ensure customers and Family members are educated about entire bouquet of banking products (Loans – GL, IL, Secured, Deposits & Insurance) offered by Ujjivan
- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
- Ensure timely insurance claim settlement for his/her customers
- Resolve customer queries/ pertaining to GL, IL & Family Banking within specified timelines
Internal Process
- Identify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family Banking
- Group Loans: Fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training (CGTs)
- Individual loans (for certified CROs): Analyze existing customer profile and repayment capacity, fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms
- Coordinate with customers in the disbursement process
- Conduct Center Meeting as per schedule without fail and ensure timely repayments, collection of deposits for savings accounts / fixed deposit, updates all transactions on True-Cell, an interface to track monetary transactions
- Open savings accounts for Customer and their Family members in Ujjivan
- Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy Program
- Give the detailed field reports to ACRM and discuss field related issues
- Adherence to the defined set of processes and circulars.
Learning & Innovation
- Maintain up to date knowledge of GL, IL and Family Banking products and services as well as a working knowledge of other products offered in the branch
- Ensure adherence to training man-days/ mandatory training programs for self
- Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
Educational
Qualifications
Experience
- 0-1 year experience for Graduates
- Field Experience preferably in product sales, banking or collection
Certifications
Functional Skills
- Knowledge on unsecured products
- Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
- Is fluent in the local languages and has a working knowledge of English
Behavioral Skills
- Product selling skills
- Willingness to travel & relocation as per business requirements and career opportunities
- Interpersonal skills
- Ability to interface (orally and in writing) with all levels of associates and customers
- Ability to manage teams and drive performance
- Training skills
Competencies Required
- Building Relationship
- Driving Change
- Planning & Organizing
- Collaboration
- KEY INTERACTIONS
INTERNAL
EXTERNAL
Micro Banking team
House visits to loan customers
Branch Operations Team
Officer-Employee Engagement
PREPARED BY: Micro Banking Team
DATE: 23-01-2025
REVIEWED BY: Abhishek Kumar
DATE:23-01-2025
LAST UPDATED BY: TM Team
DATE: 31-01-2025
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