Job Description

#

LO-Housing Loans

Multiple locations








Department
SOUTH BUSINESS
Job posted on
Jan 09, 2026
Employee Type
Permanent
Experience range (Years)
1 year - 3 years

POSITION DESCRIPTION














JOB TITLE

Loan Officer

GRADE

DM-II











DEPARTMENT

Housing

LOCATION

RO











SUB-DEPARTMENT

NA

TYPE OF POSITION

Full-time











REPORTS TO

Relationship Manager-Housing Loans

REPORTING INTO

NA















ROLE PURPOSE & OBJECTIVE

Lead Generation - Identify quality leads from existing customer base /open market by conducting various events and activities Assessment of leads - Evaluate the leads generated by analyzing credit histories & property evaluation by adhering to internal and external regulations Acquire new Housing Loans (HL) - Secured home loans customers from open market / cross sell to existing customers Monitor installment payments and collections of customers Deepen relationship with the existing customers by cross-selling Ujjivan's products as per the profile & need of the customers





SIZE OF THE ROLE



FINANCIAL SIZE

NON-FINANCIAL SIZE

NA

NA







KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion Maintain database of prospects, meet select prospects and manage the relationship thereafter Follow up on leads provided by call center / liabilities team within defined TAT Cross sell other products of Ujjivan and pass quality leads to respective officers/staff Share customer insights/product related feedback with the Cluster Manager - HL Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans

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 committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality Visit the customer's business and home to do the assessment/evaluation, following the "Operations Manual" procedures. Analyze and evaluate the loan applications, to determine the situation of the business, establish the risks, determine the capacity of repayment and the adequate loan amount for the customer's needs, and also evaluate the family situation and stability Visit the guarantor/collateral contact, explain about his/her role during the loan term Cooperate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through CRM - Microfinance. Inform the customer about the Credit Committee decision Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements Perform loan utilization check and follow up on the disbursed loans, especially of the ones not paying on time In case of arrears, visits customers and guarantors for the 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 the branch Inform Branch Head about the demand in his/her assigned area as well as on the competition on a regular basis in consultation with CRM - Microfinance. 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

Graduate, preferably in commerce and related streams







Experience

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







Certifications

NA







Functional Skills

Knowledge 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 (tablet) Sales and marketing skills - across multiple products KYC norms/guidelines for secured loans Credit Assessment/Appraisal Communication Skills - fluent in the local language & English







Behavioral Skills

Multiple product 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 Required

Building Relationship Driving Change Planning & Organizing Collaboration











KEY INTERACTIONS

INTERNAL

EXTERNAL



Housing Products team

Collateral contacts of customers



Regional Products & Marketing departments





Regional operations Manager









PREPARED BY : Shivkumar V

DATE : 12-12-2023



REVIEWED BY : Pradeep B

DATE : 13-12-2023



LAST UPDATED BY : TM Team

DATE : 15-01-2024