Field Credit Officer-MB and AB
Ujjivan Small Finance Bank · Not specified · onsite · Posted 56d ago
Undisclosed2–7 yrsfulltimeSourced from
About a minute. You'll make an account on the way through.
About this role
Job Summary
Position Details
Size of the Role
Key Duties Responsibilities of the Role
Business
Internal Control
- 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.
Sourced from naukri
Skills
Market InsightsTriggersNpaLoansGLGROUP LOANIndividual LoanBankingDisbursementField OperationsPost DisbursementCredit Officercredit riskunderwritingoperationsCustomer AcquisitionKYCBranch Operations
About Ujjivan Small Finance Bank
Ujjivan Small Finance Bank
Banking
24.4k+
employees
2017
9 years old
Bangalore/Bengaluru, Karnataka
India
About
Empowers financial inclusion across India, serving over 90 lakh customers with over ₹6,400 crore profit and a strong focus on inclusive, tech-led banking.
Industries
BankingFinancial Services
Employee ratings
7,630 reviews
4.0/ 5
Culture
4.0
Career growth
3.5
Work-life
3.9
Employees rate it well for
Work Culture689Salary511Work Life Balance407Work Environment388Senior Management339
Find them on