CREDIT OFFICER
Skilora
Patna
3d ago

Job Summary

Ujjivan Small Finance Bank limited

Ujjivan Small Finance Bank Limited is a mass-market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country.

Our Promoter, Ujjivan Financial Services Limited (UFSL) commenced operations as an NBFC in 2005 with the mission to provide a full range of financial services to the economically active poor’ who were not adequately served by financial institutions.

On 7, October, 2015, UFSL received RBI In-Principle Approval to set up a Small Finance Bank(SFB), following which it incorporated Ujjivan Small Finance Bank Limited as a wholly-owned subsidiary.

UFSL, subsequent to obtaining RBI Final Approval on November 11, 2016, to establish and carry on business as an SFB, transferred its business undertaking comprising of its lending and financing business to our Bank, which commenced its operations from 1, February 2017.

We are a scheduled bank’ included in the Second Schedule to the Reserve Bank of India Act, 1934.

Ujjivan Small Finance Bank serves over 55.3 lakh customers through 575 branches and 17,018 employees spread across 244 districts and 24 states and union territories in India.

Gross Advances stands at 13,890 crores with a deposit base of 10,743 crores as of September 2020. Apart from the network of branches, ATMs, and Automated Cash Recyclers, we have a phone banking unit that services customers in nine languages, a mobile banking application that is accessible in five languages as well as an internet banking facility for individuals and corporate customers.

Our focus is to use technology as an enabler for our customers that allows us to customize and deliver products and services to suit their needs.

Skills

  • communication skills
  • Loan Management
  • Mortgage Banking
  • Responsibilities and Duties

  • Underwrites MSE Loans (Business Loans) i.e. Term Loans, Working Capital Loans.
  • Monitors the MSE portfolio in the assigned area.
  • Ensures adherence to credit Process and Policies.
  • Ensures TAT is met for all activities related to credit for the branch.
  • Ability to analyze a business
  • Understanding of mortgage process
  • Knowledge about the competitor and the market of the city required
  • Laison with legal and technical vendors for the smooth process
  • Completion of process with in the TAT
  • Graduation Mandatory with min.2 years experience in Business Loan / LAP underwriting in reputed NBFC's
  • Knowledge of local language and area with good communication skills local hire
  • Relevant experienced candidates can drop their resume to shibaji.chattopadhyay ujjivan.com

    Required Experience and Qualifications

  • Experience : 2 - 5 years in Business Loan / LAP underwriting( Required )
  • Graduation : Bachelor's Degree( Required )
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