MSE Loans is a growing business for Ujjivan. The Cluster Manager-MSE is the most important position that will drive this business in the respective cluster. 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 cluster in terms of growth (amount and client base) and productivity of relationship officers by guiding them and carrying out constructive reviews of their performance.
Guides the relationship officers in carrying out marketing and sales activity, customer appraisals and proposal preparation.
Maintains relationship with high value MSE customers to maximize value and get referrals
Exercises control and carries out recovery of loans in his/her cluster, 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 cluster.
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