Ujjivan Small Finance Bank limited
Primary Role:
Is responsible for implementing the operating proceduresas established in the internal Norms and Regulations ranging from product promotion, loan origination, customer assessment, disbursement and monitoring of his/her portfolio in terms of installment payments and collection.
Responsible for loan renewal , identification of new clients in the market as well as for the promotion of eligible GL clients as well as for monitoring his/her portfolio and meeting the pre-established monthly goals.
Compliance of Home Loan business:
Carries out the pre and post-loan activities related to the home loans, meaning: acquisition of new clients and maintenance of renewal clients, financial analysis,initial risk assessment, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
Inform potential clients about the requirements, conditions of the homeloan products, the procedures to obtain a loan, the importance of the payments on time, the penalties system in case of not paying on time, insurance, etc
Informs the client about the Credit Committee decision.
In case of arrears visits clients and guarantors for the loan recovery and coordinates with IL Program Manager the cases in arrears > 90 days for legal procedure
Make a close follow up of the disbursed loans ensuring that loan is utilized for the right purpose.
Client serviceProvides a quick and timely service to the clients, making sure that the clients expectative are fulfilled whenever is possible.
Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective.
Guarantees confidential treatment to all the information gathered from the client and of the Institution.
Other dutiesSupport the development of the Institutional Image and make suggestions to improve the products or procedures
Fulfill all the internal norms and regulations.
Any other duty assigned
Loan Origination, Product Promotion, Financial Analysis, Program Management, Risk Assessment, Home Loans, Finance, Client Servicing
Ujjivan Small Finance Bank limited
Ujjivan Small Finance Bank Limited is a mass-market focused small finance bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. Our Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 with the mission to provide a full range of financial services to the â??economically active poorâ?? who were not adequately served by financial institutions.