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Area Manager - Micro Small Enterprise

Delhi-NCR, Delhi-NCR

Ujjivan Financial Services Pvt. Ltd.

Job Description

MSE Loans is a growing business for Ujjivan. The Area Manager-MSE is the most important position that will drive this business in the respective area. The position is responsible for overall growth and success of the business in the cluster.
Oversees the performance of the MSE portfolio of his/her area and branches in terms of growth (amount and client base) and productivity of program manager/loan officers/relationship officers by guiding them and carrying out constructive reviews of their performance.
Exercises control and oversee recovery of loans in his/her area, carries out risk assessment and recovery strategies.
Identifies suitable branches and locations for MSE Loans, in coordination with the branch, credit & product teams, and gets the locations activated. Ensures proper goal setting, resource planning, marketing and sourcing of MSE loans.
Identifies legal and technical evaluators in the locations during expansion.
Works closely with product and marketing team to drive suitable branding and marketing activities in his/ her respective area.



Daily/ Weekly /Monthly control monitoring of the accomplishment of targets (new customer acquisition, retention and enhancements of existing customers) according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as and when required
Controls Assigns (?) targets and results on daily, weekly, monthly basis of portfolio of risk by different categories such as days in arrears, number of installment due, amount within his/her region by area, branch, loan officer with the objective to identify tendencies and risks.
Supports Program Manager- in his/her area in their duties of client visits, risk assessment and recovery strategies
Implement, supervise and control effectiveness of commercial strategy with his/her team to reach the productivity and growth targets established.
Approve deviations and exceptions according to policy in place. To the extent of?
Ensure, supervise the correct implementation of the credit procedures including all the respective tools


Ensure customers are educated about all products/services offered by Ujjivan.
Implement marketing strategy for the area
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.
Visit client and their operations place from time to time to pick up any EWS
Drive the first line of collections (?)

Internal Process:

Ensure compliance with lending guidelines, quality framework and audit requirements
Ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence of the same
Sanctioning of loans according to the policy in place.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Discuss and suggest strategies and changes in terms of products, capacity building, procedures etc.

Learning & Performance:

Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
Ensure adherence to training man-days/ mandatory training programs for self and team
Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and team
Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of secured loans team.
Evaluate the staff competencies and recommend suitable career changes based on business capability and credit risk assessment capacity and propose solutions for improvement.

Company Description

There were many microfinance institutions active in rural India, but very few served... India’s urban population. To bridge this gap, Ujjivan focused on the urban poor. This is a fast growing segment that is relatively new to India’s microfinance industry. Our surveys and interaction with the urban poor show that they are exposed to enormous contingencies and are required to share their meagre resources with neighbors, friends, relatives and colleagues. Hence, there is a tremendous amount of bonding and affinity among them. We have also found that, contrary to popular belief, the urban poor are a stable population. Therefore, the significant difference between the urban and rural population is the lack of time and availability of space in cities.  Read full description

Additional Information

Last updated:
Job type:
Full time
Position type:
Minimum experience:
Between five and ten years
Compulsory Education
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