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Loan Officer- Housing ( All Regions)

Delhi-NCR, Delhi-NCR

Ujjivan Financial Services Pvt. Ltd.

Job Description

Lead Generation - Identify quality leads from existing customer base /open market by conducting various events and activities
Assessment of leads - Evaluate the leads generated by analyzing credit histories & property evaluation by adhering to internal and external regulations
Acquire new Housing Loans (HL) Secured home loans customers from open market / cross sell to existing customers
Monitor installment payments and collections of customers
Deepen relationship with the existing customers by cross-selling Ujjivan's products as per the profile & need of the customers



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 thereafter
Follow up on leads provided by call centre/ liabilities team within defined TAT
Cross sell other products of Ujjivan and pass quality leads to respective officers/staff
Share customer insights/product related feedback with the Cluster Manager Secured
Coordinate with Products & Marketing department to carry out marketing drives that are assigned and catchment areas for HL secured loans


Interact 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 and demonstrate the highest order of integrity as per the code of conduct of the organization

Internal Process

Carry out the pre and post-loan activities related to HL Secured loans, perform financial analysis, property evaluation, analysis of credit history and present the loan applications to the sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
Visit customer's property for evaluation and interview, following the "Operations Manual" procedures. Analyze and evaluate the loan applications to find eligibility fit, establish the risks, evaluate the family situation and stability, determine the capacity of repayment and arrive at adequate loan amount for the customer's needs
Coordinate with the credit department in case of identifying discrepancies or problems in customer's information, reports, etc. through Cluster Manager Secured loans
Inform the customer about the Credit Committee decision
File completion & direct it to FCU/RCU for necessary checks
Coordinate with Liabilities team if applicable, to ensure bank accounts are opened/activated to disburse the loan amount and necessary standing instructions to repay monthly disbursements
Perform loan utilization check and follow up on the disbursed loans, periodically monitor the loans of those customers not paying on time
In case of overdue, visit customers for loan recovery and coordinate with collections officer to update the status periodically

Learning & Performance

Maintain up to date knowledge of HL-secured products as well as working knowledge of other products offered in the branch
Inform Cluster Manager Secured loans about the demand in his/her assigned area as well as on the 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

(Knowledge and skills needed for satisfactory performance of the job)

Knowledge on housing loans- Secured loans/asset products and third party products
Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)
Sales and marketing skills across multiple products
KYC norms/guidelines for secured loans
Credit Assessment/Appraisal
Communication Skills - fluent in the local language & English


Time management
Customer relations management
Achievement/performance oriented
Possesses good interpersonal skills
Documentation skills
Willingness to travel & relocation as per business requirements and career opportunities

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:
Two years
Compulsory Education
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