What you'll do

Managing secured loans of assigned URC/SFB branch
Planning and organizing micro marketing activities for leads and business
Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business
Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans
Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product
Cross-sell of liability products and third party products
Formation of Farmers’ Clubs one per branch/leveraging existing clubs, making use of the same for bank’s business
Work with team in harnessing the potential of the area and achieving the set targets
Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis
Developing and maintaining rapport with key person’s / opinion makers of the village
Work closely with Credit and Ops to ensure timely sanctions and DB Customer
Completing mortgages on time/collection of Post disbursement documents

What they're looking for

Graduate, preferably in Agri/Allied Sciences
Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input companies

Loan Officer- Secured LOANS
1. Managing secured loans of assigned URC/SFB branch
2. Planning and organizing micro marketing activities for leads and business
3. Looking for Early Warning Signals and informing the same to corporate team for timely corrective action in asset business

FINANCIAL SIZE

NON-FINANCIAL SIZE

Business:

Managing Asset Products- managing Kisan Credit Card, Agri Enterprise Loans, other secured loans
Knowledge on process and products- mortgage processes of the state in Kisan Credit Card, other product
Cross-sell of liability products and third party products
Formation of Farmers’ Clubs one per branch/leveraging existing clubs, making use of the same for bank’s business
Work with team in harnessing the potential of the area and achieving the set targets

Customer:

Ensure that issues/ complaints raised by the customer are resolved within agreed TAT, work with Service Quality for improving customer service on an ongoing basis
Developing and maintaining rapport with key person’s / opinion makers of the village
Work closely with Credit and Ops to ensure timely sanctions and DB Customer

Internal process:

Completing mortgages on time/collection of Post disbursement documents
Ensuring the collection efficiency and containing PAR and IOD within threshold levels

Learning & performance:

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications	Graduate, preferably in Agri/Allied Sciences, Post-graduation/ PGDBA/ MBA in Rural Management will be an added advantage

Experience(Years and Core Experience Type)	Minimum 1-2 years of experience covering assets (agri and allied activity loans) and cross-sell in rural areas in a bank/ rural business focused input companies

Certifications	NA

Functional Skills	Rich knowledge of rural markets, marketing activities and products suitable for rural / semi-urban markets (Rural urban corridors), team management, stake holder coordination and focus on P&L of overall business, fee income Should have managed a larger team/ geography.

Behavioral Skills	Positive approach towards rural customers, rapport with Govt. Agencies, go getter, pro-active, motivating in bringing the best of team, mentor in setting examples, good trainer.

Competencies	NA

KEY INTERACTIONS
INTERNAL	EXTERNAL
Branch Team	Lead Banks
Operations Team	BLBC (Block Level Banker’s Committee)
Service Quality	Village Panchayats/Sarpanch

Ujjivanhrsaathi

India

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