Job Description

Group Company: Ujjivan Small Finance Bank Designation: Financial Inclusion Officer (UB-MB-EB-FIO) Office Location: East 3306-Kamalgazi, East 3309-Kasba, East 3312-Park Circus, East 3313-Shibpur, East 3319-Belur, East 3322-Baidyabati, East 3337-Katras East 3345-Ratu Road East 3354-Adityapur East 3365-Hazaribagh East 3368-Bolpur East 3377-Kansbahal East 3378-Rourkela East 3511-Siliguri East 3519-Iewduh East 3527-Bhagalpur East 3539-Hajo East 3551-Bordwali East 3387-Malda East 3324-Uluberia East 3334-Budge Budge East 3340-Bagnan East 3367-Memari East 3370-Asansol East 3501-Contai East 3541-Dhupguri East 3552-Bishalgarh East 3553-Udaipur East 3570-Kumarghat East 3535-Gaya East 3321-Chakdaha East 3512-Lachit Nagar East 3502-Tamluk East 3632-Banka East 3633-Forbesganj East 3315-Barrackpore East 3621-Arrah East 3514-Maligaon East 3555-Choudwar East 3634-Karma Road East 3349-Lalpur East 3507-Balurghat East 3509-Buniadpur East 3314-Barasat East 3389-Bhagwanpur East 3554-Melagarh East 3568-Pathsala East 3550-Agartala Central Road East 3654-Chanchal East 3648-Keshiyari East 3651-Omarpur East 3635-Giridih East 3646-Madhubani Position description: Financial Inclusion Officer Primary Responsibilities: Business Underwrite high ticket and open market loans in the field through thorough assessment and personal discussion with borrower and or coborrower Underwrite both unsecured and secured loans of the microfinance and rural business vertical as below Individual loans Business Home improvement Higher Education loans KCC agriculture and livestock loans Maintains success and growth of these products by adhering to defined policy and process for loan approval Maintain credit policies and processes are followed effectively by sourcing staffs and appraisers Conduct business place office residence and farm visits of the applicants based on the product and purpose of the loan Conduct reference checks with customers suppliers vendors dealers Assess repayment capacity character and cash flow of the applicant Maintain collection of relevant and proper documents Maintain adherence to internal and regulatory policies compliances like KYC etc Sanction the files appraised by the sales distribution team through thorough verification of the documents and assessment by the appraiser of the loan Conduct sample TVR and PDs of the cases appraised by the sales team also shadow appraiser on a sample basis Escalate deviations for necessary approval as per the deviation matrix Observe for triggers in documents and escalate documents with issues to FCU team Decision on loan applications as per credit approval grid deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 MOB Maintain daily productivity with respect to personal discussions quality check of applications sample visits and checks etc as per the set KRA Imparting training to the microfinance team on the group lending individual lending and other lending products credit policies processes and systems including regular trainings on changes refreshers Monitoring rejections from field guide the branch staff to control the same and maintain higher number of Straight through applications from branches Report Escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of Audit issues Conduct Loan Utilization Checks for the recent disbursement cases as per policy Maintain to participate and drive the successful implementation of technology based projects at backend and field Plan and address issues across Poor High Risk and Critical branches and maintain good risk management at the branches Maintains PAR and provision are maintained within the budget Engage in collections for recovery follow up for Incremental overdues and nonstarters Sanction the files appraised by the sales distribution team through thorough verification of the documents and assessment by the appraiser of the loan Decision on loan applications as per credit approval grid deviation matrix and bureau matrix Responsible for portfolio quality of the loans underwritten for 12 months of booking Imparting training to the microfinance team on the group lending individual lending and other lending products credit policies processes and systems including regular trainings on changes refreshers Report escalate critical issues at field for necessary action as per penalty matrix and maintain compliance of audit issues Maintain to participate and drive the successful implementation of product and technology based projects at field Maintains PAR and Provision are maintained within the acceptable limitbudget Maintains customer satisfaction by processing of loan applications within the TAT defined Maintain adherence to all regulatory norms with respect to KYC documentation and sanctioning of loans Maintain up to date knowledge of all the product of the geography Quickly learn of new products and systems being introduced and implement in the field Networking with other NBFCs Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector or occupation study and survey of branch working areas Customer Maintains customer satisfaction by processing of loan applications within the TAT defined Understand customers need repayment capacity make appropriate loan decisions and recommend right product and loan amount to right customer Maintain that credit responds to branch customers queries and issues timely thereby ensuring good service to customers through efficient processing of applications Undertake visits in other financial institutions for timely resolution of issues relating customer or staffs of other institution Engage with customer for any feedback on the products policy and process Internal process Maintain adherence to all regulatory norms with respect to KYC Documentation Customer Selection and Sanctioning of loans Maintain completeness of post disbursement documents follow up for if gaps any Review branch working areas negative areas nogo areas and negative customer list Maintain that the Issue deviations policy process violation are escalated appropriately to the concerned department and supervisors for implementation of penalty matrix Attend audit closure meetings to understand identified issues take necessary corrective measures Maintain and update activity trackers Personal discussions Quality check of files shadow visits sample checks trainings LUCs escalations deviations branch errors Learning Performance Maintain up to date knowledge of all the products and the geography Upgrade self and branch team about changes happening in the market New products being introduced and new systems being adopted to be learnt quickly and to be adopted Keep updated with SLBC DLC meetings annual reports for information on investment on different types of crops for KCC Agri limits Keep abreast with ongoing farming operations in the field market Networking with other NBFCs Banks to have a deeper understanding of the Industry and its perspectives Undertake business sub sector study and underwrite cases at field Maintain necessary feedback is given to supervisors on regular basis about the credit policies processes and systems for effective and efficient underwriting Improve the probing skills to identify any issues in the field and report critical findings observations for necessary action Ensuring visits in branches of other clusters to maintain understanding and learning through experience

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