Customer Relationship Officer

About the Role

Manages banking relationships with 650 families within the geographic area of control by offering a full range of banking services.

Key Responsibilities

• Directly responsible to acquire new customers for Group Lending (GL) business and servicing existing customers.
• Upsell loans to eligible customers and family members based on requirements and capacity to repay.
• Offer and onboard Savings Accounts and other deposit products to customers, their family members, and references.
• Deliver prompt customer service and be accessible to customers for GL, IL (Individual Loans), and Family Banking queries.
• Generate quality leads for cross-selling of third-party products offered by Ujjivan Small Finance Bank.
• Provide timely loans for eligible repeat and top-up customers.
• Adhere to defined processes and circulars.

Key Duties & Responsibilities of the Role

Business/Financials

• Meet set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans.
• Convert GL customers, family members, and referrals for Family Banking in terms of 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 who can be potentially given Individual Loans (unsecured/secured).
• Share customer insights and product-related feedback with the ACRM (Assistant Customer Relationship Manager).
• Ensure customers and family members are educated about the full bouquet of banking products (Loans – GL, IL, Secured; Deposits; Insurance).
• Interact with customers in a courteous and professional manner, providing prompt, efficient, and accurate services.
• Ensure timely insurance claim settlement for assigned customers.
• Resolve customer queries pertaining to GL, IL, and Family Banking within specified timelines.

Internal Process

• Identify and conduct surveys of new working areas for group formation and conducts projection meetings for GL and Family Banking.
• Group Loans: Fill customer profile forms and Loan Application forms accurately, collect supporting documents for account opening in strict adherence to KYC norms, followed by a Compulsory Group Training (CGTs).
• Individual Loans (for certified CROs): Analyze existing customer profile and repayment capacity, fill customer profile forms and Loan Application forms accurately, and collect supporting documents for account opening in strict adherence to KYC norms.
• Coordinate with customers in the disbursement process.
• Conduct Center Meetings as per schedule without fail and ensure timely repayments, collection of deposits for savings accounts/fixed deposits, and update all transactions on True-Cell.
• Open savings accounts for customers and their family members.
• Assist in conducting CSR activities and motivates customers to participate in the Financial Literacy Program.
• 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.

Requirements & Tech Stack

• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage.
• True-Cell (interface to track monetary transactions).

Qualifications

• Graduate

Experience

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

Functional Skills

• Knowledge on unsecured products.
• Fluent in local languages and working knowledge of English.

Behavioral Skills

• Product selling skills.
• Willingness to travel & relocation 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