KEY DUTIES & RESPONSIBILITIES OF THE ROLE:

Business/ Financials

Meet the set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans
Convert GL customers, family member and referrals for Family Banking in terms of opening Savings Accounts and maintaining minimum balance
Actively source term deposits (FD and RD) from Family members of GL customers
Offer suitable Insurance products to customer and family members to provide adequate insurance coverage
Identify, process and refer GL customers who can be potentially given Individual loans either unsecured /secured
Share customer insights/product related feedback with the ACRM

Customer

Ensure customers and Family members are educated about entire bouquet of banking products (Loans GL, IL, Secured, Deposits & Insurance) offered by Ujjivan
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 GL, IL & Family Banking within specified timelines

Internal Process

Identify and conduct surveys of new working areas for group formation and conducts projection meeting for GL and Family Banking
Group Loans: Fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms followed by a Compulsory Group Training (CGTs)
Individual loans (for certified CROs): Analyze existing customer profile and repayment capacity, fill customer profile forms, Loan Application form with accuracy and collects supporting documents for account opening in strict adherence to KYC norms
Coordinate with customers in the disbursement process
Conduct Center Meeting as per schedule without fail and ensure timely repayments, collection of deposits for savings accounts / fixed deposit, updates all transactions on True-Cell, an interface to track monetary transactions
Open savings accounts for Customer and their Family members in Ujjivan
Help to conduct the CSR activities and motivates customers to participate in the Financial Literacy Program
Give the detailed field reports to ACRM and discuss field related issues
Adherence to the defined set of processes and circulars.

Learning & Innovation

Maintain up to date knowledge of GL, IL and Family Banking products and services as well as a working knowledge of other products offered in the branch
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

Customer Relationship Officer