Customer Care Representative-URC

Ujjivan Small Finance Bank; Bijnor; Presencial; INR 180.000 - 280.000; Jornada completa

Descripción de la vacante

Ujjivan Small Finance Bank Ltd. in Uttar Pradesh seeks a Customer Care Representative-URC to deliver seamless service at the branch and support retention through attentive customer care.

You will address queries, assist with Aadhaar enrolment, process non-financial requests, and help guide customers to appropriate products while upholding service quality standards at the Rural Banking branch.

Formación

• UG – Any Graduation/Diploma & ITI.
• Minimum 1–2 years of experience in customer service.
• Certifications are not mandatory.

Responsabilidades

• Branch Audit.
• Cheque stoppage/bounce.
• Aadhaar enrolment.
• Generate quality sales leads.
• Handling of both internal and external queries.
• Customer Service.
• Attend Branch walk-in customers; guide them to fulfill queries.
• Cross-sell relevant products/services when appropriate.
• Follow life events management framework at the Branch.
• Assist in non-financial transactions like pass book prints and statements.
• Provide feedback to CRM and assist in audits.

Conocimientos

Problem solving

Systematic; meticulous

Customer wait time

Understanding customer concerns

Cash handling

Administrative experience

Educación

UG – Graduation/Diploma & ITI

Descripción del empleo

POSITION DESCRIPTION

• JOB TITLE : Customer Care Representative-URC
• GRADE : DM-I
• DEPARTMENT : Rural Banking
• LOCATION : Branch
• SUB-DEPARTMENT : TYPE OF POSITION : Full-time
• REPORTS TO : Branch Manager-Rural Banking
• REPORTING INTO : NA

ROLE PURPOSE & OBJECTIVE

• This role is responsible for delivering seamless customer experience; make Ujjivan customers feel as ‘privileged customers’ of Ujjivan and play an active role in improving customer retention rates .
• The incumbent will work on addressing all customer queries/grievance on time; constantly reduce customer grievances escalated to regional SQ.
• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

• Branch Audit
• Cheque stoppage/bounce
• Aadhaar enrolment
• Generate quality sales leads
• Handling of both internal and external queries
• Customer Service

Business

• Attend Branch walk-in customers; understand their requirements and guide them to fulfill their queries/concerns
• Understand customers’ requirements and create opportunities to cross sell relevant products/ services
• Implement customers life events management framework at the Branch; ensure adherence to guidelines specified thereof

Service Quality

• Responsible for handling customer queries and provide information as per defined standards and elevate to Assistant CRM & CRM in case of any deviation
• Assist service quality team in conducting surveys on customer satisfaction and client impact; service audits
• Maintain direct contact with customers either by telephone or face-to-face
• Conduct exit interviews for drop out customers and report the findings to Assistant CRM and to CRM.
• Assist in Microfinance Plus activities being conducted in the Branch
• Action on closure of presidential complaints from customers of respective branch

Operations

• Visit customers whose loans have been rejected or cancelled and report the reasons to ACRM/CRM
• Attend non-financial transactions such as; updating customers’ mobile number, handle customer requests such as pass book print, account statements, cheque book, ATM, PIN requests, account closure requests (FD/CASA/RD) and address change request etc.
• Handle customer enquiries & complaints received through BCs
• Provide feedback to the CRM about product/process and contribute to the improvement
• Engage in creating awareness about appropriate loan utilization/savings to the customers
• Responsible for motivating customers to use alternate channels such as ATMs, BCs and assist/educate customers to use ATMs for dispensing cash and educate them on using kiosks & phone banking
• Report inappropriate collection practices by Branch staff and/or group/center members to ACRM or to CRM.
• Support cashier in daily activities especially if cash disbursement and repayments are high
• Coordinate with cash and accounts maintenance team in operations department to run smooth Branch operations
• Ensure timely scanning of loan application documents to maintain the required turnaround time (TAT)
• Assist the Assistant CRM in coordination for internal and external audits in the Branch

Learning & Performance

• Maintain current knowledge of company products and services, applicable regulations – KYC/AML norms
• Complete certification programs organized by service quality & operations department
• 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

• UG – Any Graduation/Diploma & ITI

Experience

• Minimum 1-2 experience is customer service

Certifications

• NA

Functional Skills

• Problem solving skills
• Systematic; meticulous and timely customer service
• Sensitive to Customer Wait Time
• Understanding of customer concerns
• Cash handling/administrative/ experience

Behavioral Skills

• Positive interpersonal skills
• Customer service orientation
• Conflict handling
• Listening and communication skills

Competencies

• Execution
• Managing Relationships
• Customer Focus
• Continuous Improvement

KEY INTERACTIONS

• INTERNAL
• EXTERNAL
• Regional/cluster operations department
• Service quality department
• State HR
• Neighboring banks
• Cash management agencies
• Exit customers

PREPARED BY: Alok Sharma

DATE: 20-02-2024

REVIEWED BY: Murali Chari

DATE: 21-02-2024

LAST UPDATED BY: TM Team

DATE: 22-02-2024