Field Credit Officer-MB and AB

Ujjivan Small Finance Bank; Erode, Bengaluru; On-site; INR 350,000 - 550,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Field Credit Officer - MB AB to monitor micro banking field operations across branches, focusing on early risk identification and loss mitigation through data-driven triggers.

The role reports to the Cluster Credit Manager- MB AB and involves visiting 4-5 branches, reviewing loan files, and ensuring adherence to policy processes to maintain a healthy portfolio.

Qualifications

• Minimum ability to assess risks in field operations.

Responsibilities

• Visit centers to understand collection and acquisition processes.
• Monitor overdue cases to identify gaps in collection and acquisition processes.
• Verify KYC, bureau data and geo-location during loan assessments.
• Check disbursement processes and post-disbursement verifications.
• Conduct sample visits and shadow branch staff to ensure policy adherence.

Skills

Risk assessment

Data driven insights

Branch operations

Job description

Job Summary

• The role is responsible undertaking constant pre-emptive monitoring of micro banking field operations in branches with the objective of early identification of potential operational process lapses, transactional risk, credit risk and reputational risk.
• The role is accountable for making effective use of data insights and triggers to mitigate potential loss/risks emanating from branch operations.

Position Details

• Job Title: Field Credit Officer - MB AB
• Department: Credit
• Location: Branch
• Sub-Department: Credit - MB AB
• Type of Position: Full Time
• Reports To: Cluster Credit Manager- MB AB
• Reporting Into: NA

Size of the Role

• Financial Size: NA
• Non-Financial Size: Although this position will not be directly engaged in underwriting however the risk associated to cluster will come under the purview.
• Monitor the process of 4-5 branches with portfolio of 40,000 customers.

Key Duties Responsibilities of the Role

Business

• Visit center meeting to understand the collection and acquisition process.
• Visit recent disbursed cases to understand the acquisition and disbursement process.
• Visit Incremental overdue customers to check the reason for delinquency and to identify the gaps in collection and acquisition process.
• Visit Non-starter/ quick mortality cases to understand the issues in the cases.
• Visit NPA cases on a sample basis based on the trigger to check the collection process.
• Conduct sample Group Loan House visit i.e. around 30-40 customers HV in a month.
• Conduct HV / GRT certification for the branch staff. Shadow House visit along with branch staff. Shadowing with high DR HV/PD person having DR % more than the benchmark
• Sample visit of the IL customers after the disbursement.
• Check end use of sample high ticket size loans under group and individual loan.
• Verification and investigations to be conducted based on the triggers with high disbursement centers, High NCA Centers, High delinquency centers, centers/staff with sudden increase/decrease in CE, centers of staff in notice period, centers of new staff, centers with high remittance income, centers with high non-MFI loans etc.
• Post disbursement hindsight verification of Group loan and Individual loan applications / files. Check whether GL IL files were processed as per policy processes.
• Check high rejection (GL) branches to make understand the quality of sourcing.
• Sample calling to customers based on trigger as per MIS to understand feedback from customer.
• Check if all the information (income, obligations, occupation, requirement etc.) is properly and accurately captured while assessing the loan for customers.
• Check for the accuracy of collection of KYC documents, bureau generation, phone number and geo location of the borrower as per the policy of the bank.
• Check if the customers have been acquired from the approved areas or non-negative areas.
• Monitor the disbursement process for GL and IL customers at the branch, check if the disbursement kits are handed over the customers after verifying the KYC of the customers.
• Ensuring healthy portfolio through regular monitoring of the branches for the adherence of policies and processes.

Internal Control

• Conduct periodic review of adherence to existing credit policies/processes and provide feedback based on field insights market insights to strengthen the policy processes and quality customer acquisition.