External ACRM-MB-New

Darwinbox Digital Solutions Pvt. Ltd.; Baroda; On-site; INR 350,000 - 520,000; Full time

Job summary

Darwinbox Digital Solutions Pvt. Ltd. invites applications for the position of Assistant Customer Relationship Manager at BranchName.

The role focuses on acquiring group loans, supporting conversion of borrowing customers, and deepening relationships with existing customers while ensuring compliance and timely loan disbursement. You will guide CROs, set targets, supervise documentation, and coordinate with the Cashier and CCR Desk to maintain smooth branch operations.

Qualifications

• Graduate in Commerce/Business/Economics with analytical and sales skills.
• 2–4 years of experience in MFI sales & team handling.
• Knowledge of KYC/AML norms and unsecured products.

Responsibilities

• Support branch sales plans for MB unsecured and secured loans.
• Assist setting weekly/monthly targets for the team and review progress.
• Support acquisition of new GL customers and conversion of unsecured to secured loans.
• Guide CROs to enable conversion of existing borrowing customers for liabilities.
• Support marketing initiatives designed by products & marketing.
• Provide feedback on market potential and product development to regional teams.
• Coach branch staff on unsecured loan products and drive cross-selling.

Skills

Sales and acquisition

Team handling

KYC/AML knowledge

English communication

Unsecured loans knowledge

Education

Graduate in Commerce/Business/Economics

Tools

Br.net

Finacle

MS Office

Job description

Permanent

Job Description

POSITIONDESCRIPTION

JOBTITLE

AssistantCustomer Relationship Manager

GRADE

DM-II

DEPARTMENT

RuralBanking

LOCATION

BranchName

SUB-DEPARTMENT

TYPEOF POSITION

Full-time

REPORTSTO

BranchManager

REPORTINGINTO

NA

ROLEPURPOSE & OBJECTIVE

Activelysupport acquisition of customers for Group Loans

Supportconversion of existing borrowing customers for liabilities.

Tofacilitate undertaking of initiatives to retain and deepenrelationship with existing customer for unsecured loans and forliabilities

Responsibleto maintain process quality & ensures adherence to audit andcompliance standards

Responsibleto maintain Branch Documents

Responsiblefor Cross Selling

Responsiblefor overall business in absence of BM/CRM

Tohandle Cashier and BOO’s responsibility in their absence

Adherenceto defined set of processes and circulars

Timelydisbursement of sanctioned loans

SIZEOF THE ROLE

FINANCIALSIZE

NON-FINANCIALSIZE

Volumeof recruitment- 5-15 Staff - changes as per branch CRO budget

No.of products served- Group Loan, Individual Loan, CASA, TD and TPPproducts

KEYDUTIES & RESPONSIBILITIES OF THE ROLE

• Responsibleto support the sales plans for the branch for MB unsecured andsecured loans
• Toassist setting weekly/monthly targets for the team, reviews theset targets on a regular basis
• Responsibleto support acquisition of new GL customers; conversion ofcustomers from unsecured to secured loans (Where Applicable)
• Guidethe CROs to enable conversion of existing borrowing customers forliabilities
• Supportthe marketing initiatives designed by products & marketingdepartment
• Assessthe market potential and give feedback on product modificationand new product development to the regional product teams
• Shareinsights on competitor products to the regional product/marketingteams.
• Responsiblefor the overall Branch Liabilities Target and cross sellingtargets

Customer

Ensurecustomers and CROs are educated about the unsecured loans andliabilities products offered by Ujjivan.

Resolvecustomer queries/grievances (pertaining to GL, unsecured IL,liabilities) escalated from the CROs within specified time frame

InternalProcess

Overseeand facilitate collection of documents for account opening instrict adherence to KYC norms

Keepabreast of the changes in policies and guidelines by RBI, ensureshis/her team is educated on the changes to ensure strictadherence

Responsiblefor correct storage of client information and any otherdocumentation inclusive internal reports, memos etc.

Overseefollow-ups with overdue customers to collect the payments

Conductcustomer house visits, cross verify the documents and details inthe Customer Profile forms (CPF) and Loan Application forms(LAF), conduct Group Recognition Training (GRTs)

Performvisits to the Center meetings to check whether they are as perthe defined process

EnsureCROs deposits Centre meeting cash at the nearest or collocatedBCs

Ensuresthat 100% loan utilization check is conducted by the CRO within 7days from the day of disbursement.

DailyMonitoring of form pendency and ‘Till balance’

Tomaintain smoothly operation of Branch activities in coordinationwith Cashier & CCR Desk

Responsiblefor timely BOD, COB and EOD Process

Shouldbe compatible with Financial Software application Like Br.net,Finacle etc.

Providingpotential leads to other secured and unsecured verticals

Coachthe branch staff on unsecured loans products to support achievingtargets and support them in conversion of existing customers fordeposit products

Resolvequeries and escalations from the team in a well-defined timeframe

Ensureadherence to training man-days/ mandatory training programs forself and reportees

Ensuregoal-setting, midyear -review and annual appraisal processhappens within specified timelines for self and reportees

Monitortimely completion of mandatory courses of the staff

Monitortimely completion of mandatory annual leave of the staff

MINIMUMREQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduatein Commerce/Business/Economics or related subjects with goodanalytical and sales skills to be considered.

Experience

2-4years of experience in MFI sales & team handling experience

Certifications

NA

FunctionalSkills

Knowledgeon unsecured products

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

Basicknowledge of accounting and finance administration desirable

Isfluent in the local languages and has a working knowledge ofEnglish

Knowledgeof KYC/AML norms and other guidelines for liabilities

BehavioralSkills

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

Trainingskills

BuildingRelationship

DrivingChange

KEYINTERACTIONS

INTERNAL

EXTERNAL

Liabilitiessales team

BranchOperations Team

StateHR

Credit

Audit

Vigilanceand compliance

Customers

PREPAREDBY: Sharanesh R

DATE:08-02-2024

REVIEWEDBY: Subho Biswas

DATE:08-02-2024

LASTUPDATED BY: TM Team

DATE:13-02-2024

Job Snapshot

Updated Date

16-05-2026

Job ID

UJJ-JOB-13789

Department

MICROBANKING-GL

Location