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Cluster Manager MSE

Jodhpur, Rajasthan

Ujjivan Financial Services Pvt. Ltd.

Job Description

Daily/ Weekly /Monthly achievement of the accomplishment of targets (new customer acquisition, retention and enhancements of existing customers) according to the annual/monthly targets established for the cluster and branches under his/her responsibility to provide guidance and solutions to his/her team
Monitors and takes action to achieve Controls 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 cluster, branch, relationship officer with the objective to identify tendencies and risks.
Supports relationship officers- in his/her cluster 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.
Carries out assessment of high value MSE customers and personally prepares their proposals.
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement

Customer
Ensure customers are educated about all products/services offered by Ujjivan.
Maintains relationship with high value customers.
Ensure lower customer attrition by providing different products as per customer requirement.
Focus on lower TAT as per laid down standards.

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 audit and other regulations.
Review of loan proposals prepared by relationship officers and participate in sanction process as per policy guidelines
Monitor the portfolio of his/her territory and take corrective actions as necessary
Ensure, supervise the correct implementation of the credit procedures including all the respective tools
Discuss 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
Provide on the job coaching to relationship officers by accompanying them to marketing activities, customer visits, appraisals, agencies and sanction committees.
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.

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:
14/06/2018
Job type:
Full time
Position type:
Permanent
Vacancies:
1
Minimum experience:
Between three and five years
Education:
Compulsory Education
Category:
Jobs in Sales / Business Development
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