Job Description

The Ideal candidate should possess:

Fair understanding of Retail products of LAP upto Rs. 50.0 to Rs. 500.0 lakhs with prior experience of funding educational institutions; Working Capital experience preferred

Experience of managing a portfolio of existing LAP and/or Working Capital credit relationships. The number of relationships managed would depend on the geography covered and branches mapped to the respective Sales Manager/Sales Officer.

Substantial experience in the banking industry, including demonstrated success in a similar role.

Must have working experience with scheduled commercial Bank/NBFC's with 2-10 years of experience along with MBA/CA qualification would be preferred.

Activities :

Regular Branch/Connector/DSA interaction for lead generation for Educational Institution customers and updates on the leads.

Updating pipeline and conversion of leads generated by the branches

Documentation pre-disbursement (Doc collection, legal & TSR, Valuation etc.) and post disbursement, including deferral closure

Customer negotiation on interest rates, fees and other issues relating to charges

Leveraging of cross-sell opportunities for customers in terms of Current Account/Term Deposits/Saving Deposits, Insurance, other Assets offering of the bank

Co-ordination with credit for CAM approval, deferral waiver / extension & other customer requirements like Enhancements.

Co-ordination with local Ops for disbursement of a case, submission of Stock Statement and other documents as applicable

Housekeeping including CAM renewals, deferral closure, stock statements, insurance renewals, Plant visit, Site visit, ensure timely servicing of monthly interest/EMIs etc

Stressed accounts / Exit account management, follow-up

Key Deliverables :

Leads generation/Business development through Branches, CA's, DSAs and referrals from existing borrowers, current account holders etc.

Processing of loan applications, conducting due diligence, site visits, ensure compliance of terms & conditions as per sanction terms, documentation etc.

Assisting credit team through timely resolution of raised queries and sharing of information requested.

Timely Convey sanction/reject decision to the customer, handover sanction/rejection letter and follow up for documentation.

Documentation, disbursements, authorization of credit vouchers.

Punching of new loan accounts in system Post disbursement credit related activities: receipt of title deed, creation of EM.

Strong communication and interpersonal skills

Cross sell of other asset/liabilities products, investment products to existing group of borrowers managed by the Sales Manager/Sales Officer.

Achieve individual targets and grow account profitability, while maintaining a high standard and compliance

Job Types: Full-time, Permanent

Pay: ₹1,500,000.00 - ₹1,800,000.00 per year

Benefits:

Health insurance Provident Fund
Work Location: In person