GL - Customer Relationship Officer - Micro Banking - Bangalore & Mysore Cluster

Ujjivan Small Finance Bank

Bengaluru

On-site

INR 300,000 - 420,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. is seeking a Customer Relationship Officer for its Micro Banking segment in the Bangalore & Mysore cluster.

The role focuses on managing banking relationships for about 650 families, acquiring GL customers, and upselling loans and deposit products while delivering prompt service. You will onboard savings accounts and reference families, ensure KYC compliance, and generate cross-sell leads across GL, IL, and family banking products.

Qualifications

Graduate degree required; field not specified.
Proficient in MS Office and basic technology handling.
Fluent in local languages with working knowledge of English.

Responsibilities

Manage banking relationships with about 650 families within the geographic area of control, offering full range of banking services.
Acquire new Group Lending (GL) customers and service existing customers; upsell loans to suitable clients and family members.
Offer and onboard Savings Accounts and other deposit products to customers and their references; deliver prompt customer service for GL, IL and Family Banking queries.
Generate quality leads for cross-selling third party products offered by Ujjivan Small Finance Bank; ensure timely loan processing for eligible repeat and top-up customers.
Adhere to defined processes and circulars; maintain KYC compliance and CBS system accuracy.
Interact with customers courteously, educate on the complete bouquet of banking products, and coordinate with branches for smooth service delivery.

Skills

Customer relationship

Sales & cross-selling

KYC/Banking compliance

MS Office

English communication

Willing to travel

Education

Graduate

Job description

GL - Customer Relationship Officer - Micro Banking - Bangalore & Mysore Cluster Bangalore, Karnataka, India ..+ 49 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

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