Customer Relationship Officer, MB

About the Role

• Position: Customer Relationship Officer
• Department: Microbanking
• Location: Branch
• Type: Full-time
• Reports To: Assistant Customer Relationship Manager

Role Purpose & Objective

• Manage banking relationships with families within the geographic area of control by offering a full range of banking services.
• Acquire new customers for Group Lending (GL) business and service existing customers.
• Upsell loans to eligible customers and family members based on requirement and capacity to repay.
• Offer and onboard Savings Accounts and other deposit products.
• Deliver prompt customer services and be accessible for GL, IL, and Family Banking queries.
• Generate quality leads for cross-selling third-party products.
• Provide timely loans for eligible repeat and top-up customers.
• Adhere to defined processes and circulars.

Key Duties & Responsibilities

Business/ Financials

• Meet targets on Group Loans (GL) for acquisition and repeat loans.
• Convert GL customers, family members, and referrals for Family Banking by opening Savings Accounts and maintaining minimum balance.
• Actively source term deposits (FD and RD) from family members of GL customers.
• Offer suitable Insurance products to customers and family members.
• Identify, process, and refer GL customers for Individual Loans (IL), unsecured or secured.
• Share customer insights and product feedback with the ACRM.
• Educate customers and family members about the full bouquet of banking products (Loans – GL, IL, Secured, Deposits & Insurance).
• Interact with customers courteously and professionally, providing prompt, efficient, and accurate services.
• Ensure timely insurance claim settlement.
• Resolve customer queries related to GL, IL, & Family Banking within specified timelines.

Internal Process

• Identify and survey new working areas for group formation and conduct projection meetings.
• For Group Loans: Accurately fill customer profile forms, Loan Application forms, and collect supporting documents adhering to KYC norms, followed by a Compulsory Group Training (CGTs).
• For Individual Loans (for certified CROs): Analyze existing customer profile and repayment capacity, accurately fill customer profile forms, Loan Application forms, and collect supporting documents adhering to KYC norms.
• Coordinate with customers for the disbursement process.
• Conduct Center Meetings as per schedule, ensuring timely repayments, collection of deposits for savings accounts/fixed deposits, and updating all transactions on True-Cell.
• Open savings accounts for customers and their family members.
• Assist in conducting CSR activities and motivate customers to participate in Financial Literacy Programs.
• Provide detailed field reports to the ACRM and discuss field-related issues.
• Adhere to defined processes and circulars.

Learning & Innovation

• Maintain up-to-date knowledge of GL, IL, and Family Banking products and services, as well as other products offered in the branch.
• Ensure adherence to training man-days/mandatory training programs.
• Ensure goal setting, mid-year review, and performance appraisal processes are completed within specified timelines.

Minimum Requirements

Educational Qualifications

• Graduate

Experience

• 0-1 year experience for Graduates
• Field Experience preferably in product sales, banking, or collection

Certifications

• NA

Functional Skills

• Knowledge of unsecured products
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage
• Fluent in local languages and working knowledge of English

Behavioral Skills

• Product selling skills
• Willingness to travel & relocate as per business requirements and career opportunities
• Interpersonal skills
• Ability to interface (orally and in writing) with all levels of associates and customers
• Ability to manage teams and drive performance
• Training skills

Competencies Required

• Building Relationship
• Driving Change
• Planning & Organizing
• Collaboration

Key Interactions

• Internal: Micro Banking team, Branch Operations Team
• External: House visits to loan customers, Officer-Employee Engagement