Job Description

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Financial Inclusion Officer

South 1197-Pondicherry, Pondicherry, Pondicherry, India








Department
SOUTH BUSINESS
Job posted on
Aug 21, 2025
Employment type
Permanent

OSITION DESCRIPTION

JOB TITLE

Financial Inclusion Officer

GRADE

AM-I

DEPARTMENT

Micro Banking

LOCATION

BRANCH

SUB-DEPARTMENT

TYPE OF POSITION

Full-time

REPORTS TO

Branch Manager

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

This profile is directly responsible for business generation, customer acquisition and customer servicing for Deposit Products, Digital channels and Third Party Insurance products The profile role includes cross-selling to existing customers as well as acquisition of new customers through referral and family banking Offer and onboard customers on CASA and Term deposit products to customer, their family members and their references. Offer and onboard customers on Digital platforms including Mobile banking, UPI, UPI QR and download of Hello Ujjivan. Deliver prompt customer services; be accessible to customers at all times for Digital Banking and Deposit Product queries. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZEApprox 2 Cr. Deposit
CASA, FD, RD & TPP (Product & Services) KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Meet the set targets for overall Liability, TPP and Digital Initiatives in terms of Family Banking (Open Market) acquisition. Convert Group Loan, Individual Loan customers, their family members and referrals for available Liability, TPP and Digital Initiatives product in the branch. Open CASA and ensure customers are maintaining Monthly Average Balance for opted CASA. Actively source term deposits (FD and RD) to Family members of GL customers. Offer suitable Insurance products to customer and family members to provide adequate insurance coverage Onboard customers on digital channels including Mobile banking, UPI, UPI QR and Hello Ujjivan Ensure digital adaptation for mapped customers. Share customer insights/product related feedback with the CRM

Customer (Both Internal & External)

Meeting customers regularly and cross selling of overall Liability, TPP and Digital Initiatives. Meeting customers regularly and providing services related to overall Liability, TPP and Digital Initiatives. Ensure customers and Family members are educated about entire bouquet of banking products (CASA, TPP, TD and Digital Initiatives) offered by Ujjivan. Engage with customers for other account related activity like conversion for Dormant account to inactive account, linking of DBT etc., Converting existing family banking leads and providing the leads to respective business function to cross selling of other available secured loans in Ujjivan. Money Mitra - assisting CRM in managing BC arrangements including Money Mitra and others. Assisting customers for digital channels usage like ATM Card, Mobile Banking, UPI, Missed-call banking, Hello Ujjivan etc. 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 Family Banking and digital channels within specified timelines.

Internal Process

Compliance to SLA/Policies/Processes Adhering to compliance and quality guidelines in all the documentation and forms Analyze existing customer profile, leads shared and fill customer profile in AOF with accurate details, routinely check with concerned authorities for any re-work needed in already submitted AOFs. Ensuring no form pendency for sourced customers by regular follow up with branch ops team. Help to conduct the CSR activities and motivates customers to participate in the Financial & Digital Literacy Programs Give the detailed field reports to CRM and discuss field related issues. Pro-actively participate, facilitate and drive any new Digital initiative taken by the bank Assist branch staff - CRO, LO in adopting all the digital initiatives of the bank for Loans as well as deposit products

Innovation & Learning

Being up to date about all the new digital initiatives of the bank Maintain up to date knowledge of overall Liability, TPP and Digital Initiatives and processes as well as a working knowledge of other available products offered in the branch. Ensure adherence to training man-days/ mandatory training programs for self Be up to date with any new process implementation initiative taken by the bank.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational
QualificationsGraduate in related subjects with good analytical and sales skills to be considered.

Experience(Years and Core Experience Type)0-1 year experience for Graduates Field Experience preferably in product sales, banking

CertificationsIf required

Functional SkillsFluent in regional language and English Strong communication skills Good Interpersonal skills Sales skills Willingness & Attitude to travel and do field activities - Must have a two-wheeler for field visits Outgoing attitude with ability to engage with customers Should be an active smartphone user with understanding of digital platforms in personal life (e.g. Social Media, UPI, wallets, banking apps, ATM, POS) Aware user of basic office tools like Email, Word, Excel, power point

Behavioral SkillsEffective Communication - both oral and in written Interpersonal skills Multiple product selling skills

CompetenciesBuilding Relationship Driving Change Planning & Organizing Collaboration

KEY INTERACTIONS

INTERNAL

EXTERNALMicro banking Staff - CRM, ACRM, CRO, LO Branch operations team Other branch staff - CCR and Sales Officers Regional product team Customers and their referral and family members Insurance partner Sales staff Money Mitra and other BC Arrangements

PREPARED BY: Micro Banking Team

DATE: 08-02-2024

REVIEWED BY: Diptarag D

DATE: 12-02-2024

LAST UPDATED BY: TM Team

DATE: 02-03-2024