Loan Officer- Micro Banking
ConfidentialBengaluru / Bangalore30+ days ago
Job descriptionInteract with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective Conduct the appraisal process of potential customers in a courteous manner without compromising quality Guarantee confidential treatment of all the information gathered from customers Carry out the pre and post-loan activities related to Unsecured loans, perform simple financial analysis, present the loan applications to the sanctioning authority by adhering to the set TAT & prioritize repayment of loans to maintain best portfolio quality Visit the customers business and residential place to conduct thorough assessment / evaluation, following standard operation procedures. Analyze and evaluate loan applications to determine the situation of business, establish risks, determine the capacity of repayment and adequate loan amount for the customers needs and also evaluate the family situation and stability Cooperate with credit department in case of identifying discrepancies or problems in customers information, reports, etc. Coordinate with Liabilities team if applicable, to ensure bank accounts are opened / activated to disburse loan amount and necessary standing instructions to repay monthly disbursements and provide savings tool to customers Perform loan utilization check and follow up on disbursed loans, especially of the ones not paying on time In case of arrears, visits customers for loan recovery and coordinate with collections officer to update the status periodically Maintain up to date knowledge of Unsecured loans as well as a working knowledge of other products offered in branch Inform Branch Head about demand in the assigned area as well as on competition on a regular basis Ensure adherence to training man-days / mandatory training programs for self Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
Business / Financials
- Develop and execute strategies to acquire new unsecured loan customers
- Collaborate with the liabilities team to cross-sell unsecured loans
- Follow up on leads provided by team various channels within defined TAT
- Achieve monthly loan disbursement targets through acquisition of new customers and conversion of existing customers
- Coordinate with Products & Marketing department to carry out marketing drives at his / her assigned and catchment areas for unsecured loans
- Prospect new customers, maintain database of the leads, meet & convert select prospects and manage the relationship thereafter
- Attend center meetings to generate leads for Unsecured loans and actively driving conversion of existing borrowing customers into SBL customer
- Cross sell other products of Ujjivan and pass quality leads to respective officers / staff
- Share customer insights / product related feedback with the Branch Head and Area Manager Microfinance
- Provide inputs pertaining to revision of product and credit policies to the respective teams on the basis of geography specific considerations
Customer
Internal Process
Learning & Innovation
Skills Required
asset tracking, Inventory Management, Attention To Detail
Create a job alert for this search
Loan Officer • Bengaluru / Bangalore
Related jobs
- Promoted
Loan Officer
ConfidentialChintamani To ensure the achievement of disbursement targets with minimum delinquency.Identifying Joint liability Groups & disbursed loans, to suit the target customers and geographies.Enabling business growt...Show moreLast updated: 1 day ago
- Promoted
Branch : Gold Loan Officer
ConfidentialBengaluru / Bangalore, India INTERNAL USAGE : (to be removed before publishing externally).With branches spread across the country, the branches act as the face of Axis Bank for millions of retail customers and is, hence, an in...Show moreLast updated: 30+ days ago
- Promoted
Relationship Officer-SBE-Small Business Enterprise-Sales
ConfidentialBengaluru / Bangalore, India Role : Relationship Officer- SBE.Assisting team in day to day tasks and coordinating with RMs for activities related to business.
Document collection from client and to ensure completion of all the d...Show moreLast updated: 30+ days ago
- Promoted
Customer Relationship Officer - Micro Banking
ConfidentialBengaluru / Bangalore KEY DUTIES & RESPONSIBILITIES OF THE ROLE.Meet the set targets on Group Loans (GL) in terms of open market acquisition and repeat GL loans.
Convert GL customers, family member and referrals for Fami...Show moreLast updated: 30+ days ago
- Promoted
Senior Micro-Banking Expert
ConfidentialBengaluru / Bangalore, India We focus on full-time contracts (remote or onsite), typically between 1–12 months.We help our talent upskill, so they have better chances of landing their dream projects and charge fair rates.Outsi...Show moreLast updated: 30+ days ago
- Promoted
- New!
Office Administrative Assistant
Jaipuria Silk Mills Pvt.LtdBangalore Rural, Karnataka, India Export Oriented Unit located in Attibele, Bengaluru Rural, specialising in high-end home furnishing fabrics for leading international markets.
Role : Office Administrative Assistant.Attibele, Bangalo...Show moreLast updated: 5 hours ago
- Promoted
Gold Loan Relationship Officer-LOANS AGAINST GOLD-Marketing Branches Operations
ConfidentialBengaluru / Bangalore, India We are looking for a motivated and customer-oriented Gold Loan Relationship Officer to drive business growth in the Loans Against Gold segment.
The role involves sourcing new customers, managing exi...Show moreLast updated: 21 days ago
- Promoted
- New!
Middle Office Specialist
MNCBangalore Rural, Karnataka, India Job Description - Analyst - Middle office Services (25000C5F).Analyst - Middle office Services.Record on a daily basis the OTC and ETD products received by email.
Validation / quality check of the O...Show moreLast updated: 5 hours ago
- Promoted
Business Analyst
Tata Consultancy ServicesBangalore Urban, Karnataka, India TCS Chennai / Gurgaon / Bangalore Hiring for Business Analyst(Corporate Lending(CLOS)) !!!!!.Role : Business Analyst(Corporate Lending(CLOS)).
Required Technical skill Set : -.Have strong functional backgr...Show moreLast updated: 15 days ago
- Promoted
Mortgage Loan Closer
FirstsourceBengaluru, IN Walk-in Drive – US Mortgage Process @ Firstsource | Work from Office – Bangalore.Warm Greetings from Firstsource!.Dates : 3rd Nov to 7th Nov 2025.
Location : Bangalore (The Residences at Brigade Tech ...Show moreLast updated: 17 days ago
- Promoted
Credit Officer - Mortgage Loan
ConfidentialBengaluru / Bangalore Credit Evaluation and Approval.Evaluate credit applications and recommend approval based on assessment.Authorize credit loans within defined limits.
Ensure compliance with the organization's credit ...Show moreLast updated: 11 days ago
- Promoted
Relationship Officer- MSME
ConfidentialBengaluru / Bangalore To generate working capital business by closely working with retail branches.Lead generation and conversion.Achieving set business targets through multiple branches mapped to him / her.Customer Acqui...Show moreLast updated: 30+ days ago
- Promoted
Officer
ConfidentialBengaluru / Bangalore Manage and oversee daily operations in micro banking activities.Ensure accurate and timely processing of micro loans and other financial products.
Conduct credit assessments and manage risk by revie...Show moreLast updated: 30+ days ago
- Promoted
Relationship Officer- MSME
Skywings Advisors Pvt. Ltd.Bangalore, Karnataka, India Graduate & 1-2 Years experience in Core MSME / LAP sales Must be incentive earner / stable.Responsible for quality customer acquisition as per product bouquet of the business.Adherence of the process ...Show moreLast updated: 23 days ago
- Promoted
Relationship Manager - Prime LAP
Anand Rathi Global Finance LimitedBengaluru, Karnataka, India Anand Rathi Global Finance Ltd.Sourcing to loan disbursement of LAP Files.Should have market connect of 25+ DSA channels.
Good understanding of various programs like Vanila income, Low LTV, Banking ...Show moreLast updated: 17 days ago
- Promoted
Loan Officer -Housing Loan
ConfidentialBengaluru / Bangalore Achieve the set targets on HL-Secured Loans in terms of open market acquisition and existing customer conversion.Maintain database of prospects, meet select prospects and manage the relationship th...Show moreLast updated: 30+ days ago
- Promoted
Credit life officer
ConfidentialBengaluru / Bangalore Canara Hsbc Life Insurance company.Des : Credit Life Officer ( HSBC Bank ).Criteria : Min 6 months To 1 Yrs of Credit Life Experience OR experience in Home Loan & Loan Against Property.Business Dev...Show moreLast updated: 12 days ago
- Promoted
Total Rewards Lead
Tata ElectronicsHosur, Tamil Nadu, India Tata Electronics is a prominent global player in the electronics manufacturing industry, with fast-emerging capabilities in Electronics Manufacturing Services, Semiconductor Assembly and Test, Semi...Show moreLast updated: 17 days ago