Customer Relationship Officer_NK Cluster

Ujjivan Small Finance Bank; Dharwad District; On-site; INR 240,000 - 360,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. Dharwad branch is seeking a Customer Relationship Officer to manage banking relationships across a local client base and drive growth in GL, IL and deposit products.

You will acquire new customers, upsell loans to families, onboard savings accounts, and provide prompt service while maintaining KYC norms and customer satisfaction in a fast-paced microbanking environment.

Qualifications

• Graduate with 0–1 year experience in sales or banking.
• Knowledge of unsecured products is desirable.
• Willingness to travel and relocate per business needs.
• Fluent in local languages with working knowledge of English.

Responsibilities

• Meet targets for Group Loans (GL) and acquire new customers.
• Convert GL customers, referrals for Family Banking and savings accounts.
• Source term deposits from family members of GL customers.
• Offer suitable insurance products to customers and families.
• Identify and refer GL customers for individual loans.
• Share customer insights with ACRM.

Skills

Customer relationship

Sales skills

Communication skills

Language skills

Willingness to travel

Education

Graduate

Tools

MS Office

Outlook

Job description

Customer Relationship Officer_NK Cluster Dharwad, Karnataka, India ..+ 17 0 - 2 Years 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