Customer Relationship Officer - MB - South 2

Ujjivan Small Finance Bank; Krishnagiri District; On-site; INR 250,000 - 400,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. in Tamil Nadu seeks a Customer Relationship Officer to manage microbanking relationships across a branch in Hosur. The role focuses on acquiring new GL customers, servicing existing clients, and cross-selling deposit and loan products.

The candidate will grow a customer base of around 650 families within the area, onboard savings accounts, and upsell family banking solutions while ensuring prompt service and adherence to KYC norms.

Qualifications

• Graduate degree or equivalent.
• 0-1 year experience preferred in product sales, banking or collection.
• Knowledge of local languages and English is required.

Responsibilities

• Meet the targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans.
• Convert GL customers to Family Banking by opening Savings Accounts and maintaining minimum balance.
• Source term deposits (FD and RD) from Family members of GL customers.
• Offer suitable Insurance products to customers and family members.
• Identify and refer GL customers for individual loans (unsecured/secured).
• Share customer insights with the Assistant Customer Relationship Manager (ACRM).
• Maintain knowledge of GL, IL and Family Banking products and services.

Skills

Customer service

Sales

Education

Graduate

Tools

MS Office

Outlook

Job description

Customer Relationship Officer - MB - South 2 Hosur, Tamil Nadu, India ..+ 109 Permanent

Job Description

POSITIONDESCRIPTION

JOBTITLE

Customer Relationship Officer

GRADE

O/AM-I/AM-II

DEPARTMENT

MICROBANKING

LOCATION

Branch

SUB-DEPARTMENT

TYPEOF POSITION

Full-time

REPORTSTO

AssistantCustomer Relationship Manager

REPORTINGINTO

NA

ROLEPURPOSE & OBJECTIVE

Managesbanking relationship with 650 families within the geographic areaof control by offering full range of banking services

Directlyresponsible to acquire new customers for Group Lending (GL)business and servicing existing customers

Upsellloans to right customers and family members based on requirementand capacity to repay

Offerand onboard Savings Accounts and other deposit products tocustomer, their family members and their references

Deliverprompt customer services; be accessible to customers at all timesfor GL, IL and Family Banking queries

G enerate quality leads for cross-selling for third party products offered by Ujjivan Small finance Bank.

Provide timely loan for eligible repeat and top-up customers.

Adherence to the defined set of processes and circulars.

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Customershandled- < 500 customers

Numberof portfolio products- Group Loan, Individual Loan, CASA, TD andTPP products

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

Meetthe set targets on Group Loans (GL) in terms of open marketacquisition and repeat GL loans

ConvertGL customers, family member and referrals for Family Banking interms of opening Savings Accounts and maintaining minimum balance

Activelysource term deposits (FD and RD) from Family members of GLcustomers

Offersuitable Insurance products to customer and family members toprovide adequate insurance coverage

Identify,process and refer GL customers who can be potentially givenIndividual loans either unsecured /secured

Sharecustomer insights/product related feedback with the ACRM

Customer

Ensurecustomers and Family members are educated about entire bouquet ofbanking products (Loans – GL, IL, Secured, Deposits &Insurance) offered by Ujjivan

Interactwith customers in a courteous and professional manner; provideprompt, efficient and accurate services

Ensuretimely insurance claim settlement for his/her customers

Resolvecustomer queries/ pertainingto GL, IL & Family Banking within specified timelines

InternalProcess

Identifyand conduct surveys of new working areas for group formation andconducts projection meeting for GL and Family Banking

GroupLoans: Fill customer profile forms, Loan Application form withaccuracy and collects supporting documents for account opening instrict adherence to KYC norms followed by a Compulsory GroupTraining (CGTs)

Individualloans (for certified CROs): Analyze existing customer profile andrepayment capacity, fill customer profile forms, Loan Applicationform with accuracy and collects supporting documents for accountopening in strict adherence to KYC norms

Coordinatewith customers in the disbursement process

ConductCenter Meeting as per schedule without fail and ensure timelyrepayments, collection of deposits for savings accounts / fixeddeposit, updates all transactions on True-Cell, an interface totrack monetary transactions

Opensavings accounts for Customer and their Family members in Ujjivan

Helpto conduct the CSR activities and motivates customers toparticipate in the Financial Literacy Program

Givethe detailed field reports to ACRM and discuss field relatedissues

Adherence to the defined set of processes and circulars.

Maintainup to date knowledge of GL, IL and Family Banking products andservices as well as a working knowledge of other products offeredin the branch

Ensureadherence to training man-days/ mandatory training programs forself

Ensuregoal setting, mid-year review and performance appraisal processesare completed within specified timelines

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate

Experience

0-1year experience for Graduates

FieldExperience preferably in product sales, banking or collection

Certifications

NA

FunctionalSkills

Knowledgeon unsecured products

BasicComputer knowledge (MS Office, Outlook) / Ease of technologyusage

Isfluent in the local languages and has a working knowledge ofEnglish

BehavioralSkills

Productselling skills

Willingnessto travel & relocation as per business requirements andcareer opportunities

Interpersonalskills

Abilityto interface (orally and in writing) with all levels ofassociates and customers

Abilityto manage teams and drive performance