India Job Openings

Ujjivan Small Finance Bank

Cluster Manager

Jaunpur

FULL TIME

September 13, 2024

Cluster Manager-Housing Loans - Jaunpur
North 2406-Jaunpur, Jaunpur, Uttar Pradesh, India



Department
NORTH BUSINESS
Job posted on
Sep 13, 2024
Employee Type
Permanent
Experience range (Years)
0 - N.A.

Business/ Financials
  • Daily/ Weekly /Monthly monitoring of the accomplishment of targets 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 required
  • Assign 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 Loan Officers- in his/her area in their duties of client visits, risk assessment and recovery strategies
  • Efficient staffing by timely recruitment & training
  • 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.
  • Ensure, supervise the correct implementation of the credit procedures including all the respective tools


Customer (Both Internal & External)
  • Ensure customers are educated about all products/services offered by Ujjivan.
  • 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.
  • Monitor health of portfolio
  • Sanctioning of loans according to the policy in place.
  • 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.


Innovation & Learning
  • Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch
  • Evaluate the staff competences in terms of promotion, business assessment and credit risk assessment capacity and propose solutions for improvement
  • Ensure adherence to training man-days/ mandatory training programs for self and reportees
  • Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
  • Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring of Housing Loans team.
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