Job Description

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IL - Loan Officer-Micro Banking - EAST - Micro Banking

Multiple locations








Department
EAST MICROBANKING-IL
Job posted on
Sep 17, 2025
Employee Type
Permanent
Experience range (Years)
0 - 0

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 Ujjivan's products customer profile & needs SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

5-7 Cr. Loan portfolio

NAKEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

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

Customer

Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Conduct the appraisal process of potential customers in a courteous manner without compromising quality Guarantee confidential treatment of all the information gathered from customers

Internal Process

Carry out the pre and post-loan activities related to Unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning authority by adhering to the set TAT & prioritize repayment of loans to maintain best portfolio quality Visit the customer's business and residential place to conduct thorough assessment/evaluation, following standard operation procedures. Analyze and evaluate loan applications to determine the situation of business, establish risks, determine the capacity of repayment and adequate loan amount for the customer's needs and also evaluate the family situation and stability Cooperate with credit department in case of identifying discrepancies or problems in customer's information, reports, etc. Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse loan amount and necessary standing instructions to repay monthly disbursements and provide savings tool to customers Perform loan utilization check and follow up on disbursed loans, especially of the ones not paying on time In case of arrears, visits customers for loan recovery and coordinate with collections officer to update the status periodically

Learning & Innovation

Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in branch Inform Branch Head about demand in the assigned area as well as on competition on a regular basis 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
QualificationsGraduate, preferably in commerce and related streams

ExperiencePreferred experience of 2-4 years in banking, asset products sales or collection

CertificationsNA

Functional SkillsKnowledge of Banking sector Knowledge on individual lending - Secured 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 Experience in Credit Assessment/Appraisal Communication Skills - fluent in the local language & English

Behavioral SkillsMultiple products selling skills Time management Customer relations management Achievement/performance oriented Possesses good interpersonal skills Documentation skills Willingness to travel & relocation as per business requirements and career opportunities

Competencies RequiredBuilding Relationship Driving Change Planning & Organizing * Collaboration