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Credit Officer - Home Loans

Coimbatore, Tamil Nadu

Ujjivan Financial Services Pvt. Ltd.

Job Description

Plan the daily activities and work related requirements including work output and quality of the credit appraisals conducted
Completion of loan approval and related work within the below norms and other norms as may be added from time to time
Specified turn around time is met
Ensuring approval norms & criteria are met
Approving high value loan proposals as may be defined from time to time
Planning random field visits to branches for himself/herself based on
Any specific requirements such as high value loan approval needs
Rescheduling of customer loan outstanding,
Write off of existing non performing loans as per rules,
Field visits will also be scheduled based on other needs and availability of manpower for the following purposes.
Review of the field processes where short falls will directly affect the quality of the loan portfolio,
Pre customer acquisition visits to ensure that necessary field procedures are being followed to ensure quality customer acquisition and initial health of loan portfolio.
Post customer acquisition visits to ensure the continued health of the loan customers / loan portfolio,
sorting out issues arising in the approval process, and
All field visits will be planned (appropriate sample or event) and supported by HO research of available data. Please note the above list for visit purposes is not an exhaustive list of needs / purposes. Some of the basis for planned field visits could be
Customers / branches with relationship / repayment issues.
Perform analytical / quantitative analysis of the trends of loan portfolio repayments and customer base on a weekly and monthly basis. This analysis will be the basis of managing the overdue and collection aspects of the loan portfolio, as well as identifying other adverse trends.
Act as interface between the field, operations, MIS personnel and any other similar requirements from time to time.
Any other work as may be assigned by superiors/management from time to time.
Co-ordinate with legal and technical vendors
Provide guidance and act as advisor to sales team in proposal making.

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:
One year
Compulsory Education
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