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At Ujjivan, besides building meaningful careers, we offer opportunities for holistic development. By accelerating potential and nurturing talent, we help you achieve your best. We endeavor to add wings of opportunity to your purpose and here you will see that for those who seek it, opportunity is never scarce! If you are an innovator, a continuous learner or a seeker, you will enjoy being at Ujjivan. Our fulfilling culture is what makes us a Great Place to Work – Ranked 3rd in India and 10th Best Large Work Place in Asia for 2017! We have consistently featured in the list of Best Workplaces through the last decade.

Current Openings

Phone Banking

Phone Banking Trainer (West)

  • Location : Pune

  • Job Title : Phone Banking Trainer

  • Primary Role :

    • Conducts training classes, which include content about the job, the Company, and different client programs.
    • Facilitates new hire training using the provided curriculum to call center staff.
    • Facilitates continuing education classes to existing call center staff for new products, services, customer service skills and market launches.
    • Provide performance feedback to class participants & responsible for the professional development of the customer service and support staff.
    • Communicates with various departments within the organization, including resource planning, human resources, quality and the help desk.
    • Assists Operations with understanding agent opportunities and updating training programs to meet those needs.
    • Collects information regarding response systems, human interactions, and information systems requirements.
    • Helps design call center training manuals by identifying and describing information needs, obtaining feedback from management, and editing final copy.
    • All other duties as assigned.
  • Job Responsibilities :

    • Map out training plans, design and develop training programs
    • Choose appropriate training methods per case (simulations, mentoring, on the job training, professional development classes, etc)
    • Market available training opportunities to employees and provide necessary information
    • Conduct organization wide needs assessment and identify skills or knowledge gaps that need to be addressed
    • Use accepted education principles and track new training methods and techniques
    • Design and prepare educational aids and materials
    • Assess instructional effectiveness and summarize evaluation reports determining the impact of training on employee skills and how it affects KPIs
    • Partner with internal stakeholders and liaise with matter experts regarding instructional design
    • Maintain updated curriculum database and training records
    • Provide train-the-trainer sessions for internal subject matter experts
    • Manage and maintain in-house training facilities and equipment
    • Having an understanding of e-learning techniques, and where relevant, being involved in the creation and/or delivery of e-learning packages;
    • Ensuring that statutory training requirements are met;
    • Monitoring and reviewing the progress of trainees through questionnaires and discussions with managers;
    • Producing training materials for in-house courses;
    • Build annual training program and prepare teaching plans
    • Evaluating calls of officers to analyst training needs
  • Skills required :

    • Excellent Verbal and Presentation skills
    • Critical Thinking: Will have to develop or assess materials that will help employees understand the subjects being taught. The trainer will have to understand the needs of the employees and judge what will work.
    • Decision Making: Will have to decide the best programs to train their employees and meet the needs of the organization.
    • Communication Skills: Need to speak to groups of employees, speak interpersonally with individuals, report to management and meet with vendors. They must be friendly, clear, strong speakers.
Apply

MIS Officer (Phone banking)

  • Location : Banglore

  • Job Title : MIS Officer (Phone banking)

    • Gather data, analyze and prepare relevant and accurate reports to be used by Bank Management team, various departments of Bank Corporate Office and various departments of the Bank and external entities.
    • Help in strategic planning, management control, operational control and transaction processing.
    • Provide operational data to Management for planning, scheduling and control, and helps them further in decision-making at the operation level to correct an out of control situation.
    • Assists in short term planning, target setting and controlling the business functions. It is supported by the use of the management tools of planning and control.
    • Helps the top level management in goal setting, strategic planning and evolving the business plans and their implementation.
    • He/She plays the role of information generation, communication, problem identification and helps in the process of decision-making. He/She plays a vital role in the management, administration and operation of an organization.
    • Build and live the Ujjivan culture
Apply

Phone Banking Officer – Inbound Service (Gujarati)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Inbound Service (Gujarati)

    • Receive and respond to customer service account inquiries on account balances, transaction
    • Responsibility of handling any inquiries and resolving customer complaints.
    • Promote bank products and services
    • Identify customer needs
    • Refer customers to appropriate banking services
    • Help to avoid loss of customers and negative reviews
Apply

Phone Banking Officer – Inbound Service (Marathi)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Inbound Service (Marathi)

    • Receive and respond to customer service account inquiries on account balances, transaction
    • Responsibility of handling any inquiries and resolving customer complaints.
    • Promote bank products and services
    • Identify customer needs
    • Refer customers to appropriate banking services
    • Help to avoid loss of customers and negative reviews
Apply

Phone Banking Officer – Inbound Service (Punjabi)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Inbound Service (Punjabi)

    • Receive and respond to customer service account inquiries on account balances, transaction
    • Responsibility of handling any inquiries and resolving customer complaints.
    • Promote bank products and services
    • Identify customer needs
    • Refer customers to appropriate banking services
    • Help to avoid loss of customers and negative reviews
Apply

Phone Banking Officer – Inbound Service (Assamese)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Inbound Service (Assamese)

    • Receive and respond to customer service account inquiries on account balances, transaction
    • Responsibility of handling any inquiries and resolving customer complaints.
    • Promote bank products and services
    • Identify customer needs
    • Refer customers to appropriate banking services
    • Help to avoid loss of customers and negative reviews
Apply

Phone Banking Officer – Inbound Service (Bengali)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Inbound Service (Bengali)

    • Receive and respond to customer service account inquiries on account balances, transaction
    • Responsibility of handling any inquiries and resolving customer complaints.
    • Promote bank products and services
    • Identify customer needs
    • Refer customers to appropriate banking services
    • Help to avoid loss of customers and negative reviews
Apply

Phone Banking Officer – Outbound Service (Gujarati)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Service (Gujarati)

    • Make calls to customers in order to provide a service or information regarding the customer’s account
    • Follow communication “scripts” when handling different topics
    • Responsibility of handling any inquiries and resolving customer complaints on the service call
    • Seize opportunities to upsell products when they arise
    • Build sustainable relationships and engage customers by taking the extra mile
    • Keep records of all conversations in our call center database in a comprehensible way
    • Refer customers to appropriate banking services
Apply

Phone Banking Officer – Outbound Service (Marathi)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Service (Marathi)

    • Make calls to customers in order to provide a service or information regarding the customer’s account
    • Follow communication “scripts” when handling different topics
    • Responsibility of handling any inquiries and resolving customer complaints on the service call
    • Seize opportunities to upsell products when they arise
    • Build sustainable relationships and engage customers by taking the extra mile
    • Keep records of all conversations in our call center database in a comprehensible way
    • Refer customers to appropriate banking services
Apply

Phone Banking Officer – Outbound Service (Assamese)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Service (Assamese)

    • Make calls to customers in order to provide a service or information regarding the customer’s account
    • Follow communication “scripts” when handling different topics
    • Responsibility of handling any inquiries and resolving customer complaints on the service call
    • Seize opportunities to upsell products when they arise
    • Build sustainable relationships and engage customers by taking the extra mile
    • Keep records of all conversations in our call center database in a comprehensible way
    • Refer customers to appropriate banking services
Apply

Phone Banking Officer – Outbound Sales (Gujarati)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Sales (Gujarati)

    • Oversight of outbound activities and processes and derivation and implementation of improved approaches
    • Cooperation with the customer support team and provision of advice in sales related issues
    • Creation of plans and schedules in order to accomplish objectives
    • Contacting customers and presentation of the current products or services
    • Plan and continuously monitor departmental operations to ensure that all work requirements and customer needs are being met
Apply

Phone Banking Officer – Outbound Sales (Marathi)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Sales (Marathi)

    • Oversight of outbound activities and processes and derivation and implementation of improved approaches
    • Cooperation with the customer support team and provision of advice in sales related issues
    • Creation of plans and schedules in order to accomplish objectives
    • Contacting customers and presentation of the current products or services
    • Plan and continuously monitor departmental operations to ensure that all work requirements and customer needs are being met
Apply

Phone Banking Officer – Outbound Sales (Punjabi)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Sales (Punjabi)

    • Oversight of outbound activities and processes and derivation and implementation of improved approaches
    • Cooperation with the customer support team and provision of advice in sales related issues
    • Creation of plans and schedules in order to accomplish objectives
    • Contacting customers and presentation of the current products or services
    • Plan and continuously monitor departmental operations to ensure that all work requirements and customer needs are being met
Apply

Phone Banking Officer – Outbound Sales (Assamese)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Sales (Assamese)

    • Oversight of outbound activities and processes and derivation and implementation of improved approaches
    • Cooperation with the customer support team and provision of advice in sales related issues
    • Creation of plans and schedules in order to accomplish objectives
    • Contacting customers and presentation of the current products or services
    • Plan and continuously monitor departmental operations to ensure that all work requirements and customer needs are being met
Apply

Phone Banking Officer – Outbound Sales (Bengali)

  • Location : Banglore

  • Job Title : Phone Banking Officer – Outbound Sales (Bengali)

    • Oversight of outbound activities and processes and derivation and implementation of improved approaches
    • Cooperation with the customer support team and provision of advice in sales related issues
    • Creation of plans and schedules in order to accomplish objectives
    • Contacting customers and presentation of the current products or services
    • Plan and continuously monitor departmental operations to ensure that all work requirements and customer needs are being met
Apply

Treasury

Head - Treasury(Corporate)

  • Job Title : Head - Treasury

  • Scope of Work

    • Responsible for the overall funding of the bank and managing the liquidity
    • Responsible for maintenance of the reserve requirements ( CRR and SLR )
    • Raising wholesale deposits from banks and financial institutions
    • Responsible for all interbank dealings with other banks
    • Responsible for all dealings with Money Market, Securities
    • Trading, Fixed Income & Foreign Exchange products Work closely with the risk and compliance team of the bank and keep a close watch for all risk parameters associated with the treasury function
  • Listed below are the desired qualities \ skills for the role :

    • Around 15 years of overall experience in Banking with around 10 years in treasury dealing room
    • Currently working as Chief Dealer or Senior Dealer in the treasury department of a bank
    • Must have handled a team before with good team management experience
    • Hands on experience in -
      • Treasury dealing room
      • Money Market, Fixed Income Securities (SLR & Non SLR) & Foreign
      • Exchange platforms (CCIL,CROMS,NDS CALL, NDS OM, CBLO) & FTRAC,FX Clear & FX Swap
      • Dealing in Money Market, Securities Trading, Fixed Income & Foreign Exchange products
      • Good knowledge of market conventions, practice and model code of practice
      • Trading (ALM & Proprietary)
      • Wholesale deposits
      • Buying and selling securities( SLR & Non SLR)
    • In-depth knowledge of RBI regulations and policies related to treasury and its functioning in a bank.
    • Well networked with Bank Treasurers & Corporates, FIG of banks, NBFC’s, Financial Institutions, Asset Management Companies, Fund Managers, Brokers & Insurance companies etc.
    • Able to drive and acquire wholesale deposits, generate income through trading of securities and FX as required by the bank.
    • Good knowledge of ALM,Interest Rate Risk, Liquidity Risk, Market Risk &Forex Risk
    • Excellent inter personal skills and ability to effectively collaborate with various internal and external stakeholders
    • Good analytical skills, ability to interpret market news & macroeconomic indicators
  • Educational Qualification :

    • Post Graduate with CAIIB – Electives Treasury & Risk Management, ACI Dealing Certificate Or MBA Finance from a reputed B School Or CA
  • Reporting Hierarchy :

    • This role Reports to the MD
    • Direct Team Members - National Manager FIG, Treasury dealer, Dealing Room Team
Apply

Alternate Channels

No Openings Currently

Retail Liabilities

Product Manager - SA and Deposits (South, Corporate Office)

  • Job Title : Product Manager - SA and Deposits

  • Location : Banglore

  • Product Management-

  • Discovery and Insights

    • Customers Research, personas to understand potential target segments, assess consumer needs, evaluate competitors and their offerings, SWOT analysis and frame Product strategy for Savings and Deposits
  • New Product Planning and Introduction :

    • Prioritize opportunities gathered by discovery and insights, shape value proposition, competition benchmarking, Develop a business case, co-ordinating with stakeholders for product and process integration, working with the brand and marketing team to device the GTM and Launch, activate and monitor marketing plans and overseeing the process/system/training of staff and service proposition
  • Product Portfolio Review and Management

    • Conduct post launch audit, evaluate KPIs and metrics, re-evaluate competitor assessment, refine pricing, improve/adjust marketing and promotional plans, assess channel performance and refine/discontinue products/services
  • Pricing Development and Deployment

    • Monitor Markets and competitors, evaluate internal product health
  • Risk Management :

    • Make sure all collaterals/ any document containing product information are in line with the Risk and Compliance norms as defined by RBI and internal guidelines
  • Product Marketing Management-

  • Marketing of Product

    • Recommending/ working with the brand and marketing team for packaging and marketing products both to internal and external customers at the onset of product launch and ongoing basis
  • Product Campaigns for specific TG

    • Co-ordinating and initiating specific product campaigns with the Regional teams to increase product uptake
  • Product Training-

    • Ensuring Product and Product bundles are well understood by Internal and external stakeholders. Work closely with the HR team in identifying product training needs, refreshers, collaterals needed for product benefit recall and drafting the training content for different set of audience including execution of training
Apply

Relationship Manager – Institutional Group (South)

  • Job Title : Relationship Manager – Institutional Group

  • Location : Chennai, Chandigarh, Kolkata, Bangalore, Coimbtore, Chandigarh, Jaipur, Delhi

    • At least 5+ years work experience in raising liabilities from Institutional segment
    • Institutional Segment includes , Government , Semi government bodies , Corporate , (TASC) Trust , Association , Societies , Clubs , NGOs , section 25 companies etc
    • Must have a clear understanding of KYC and documentation complexities in this segment
    • Currently should be working in this segment and that particular location
    • Articulation is the key achievements and his personal contribution in those.
    • Self driven & self motivated, since Patience is the virtue in this segment
    • Should have lot of active contacts in this segment
Apply

Relationship Manager – Institutional Group (East)

  • Job Title : Relationship Manager – Institutional Group

  • Location : Kolkata

    • At least 5+ years work experience in raising liabilities from Institutional segment
    • Institutional Segment includes , Government , Semi government bodies , Corporate , (TASC) Trust , Association , Societies , Clubs , NGOs , section 25 companies etc
    • Must have a clear understanding of KYC and documentation complexities in this segment
    • Currently should be working in this segment and that particular location
    • Articulation is the key achievements and his personal contribution in those.
    • Self driven & self motivated, since Patience is the virtue in this segment
    • Should have lot of active contacts in this segment
Apply

Relationship Manager – Institutional Group (North)

  • Job Title : Relationship Manager – Institutional Group

  • Location : Chennai, Chandigarh, Kolkata, Bangalore, Coimbtore, Chandigarh, Jaipur, Delhi

    • At least 5+ years work experience in raising liabilities from Institutional segment
    • Institutional Segment includes , Government , Semi government bodies , Corporate , (TASC) Trust , Association , Societies , Clubs , NGOs , section 25 companies etc
    • Must have a clear understanding of KYC and documentation complexities in this segment
    • Currently should be working in this segment and that particular location
    • Articulation is the key achievements and his personal contribution in those.
    • Self driven & self motivated, since Patience is the virtue in this segment
    • Should have lot of active contacts in this segment
Apply

Regional Sales Manager (West)

  • Job Title : Regional Sales Manager

  • Location : Mumbai

    • Minimum Graduate
    • Candidate currently working as Area Manager or Regional Manager
    • Experienced in handling liability acquisition state level leadership role for at least 3-5 years approx. and hence should have handled a fairly large team of Branch Managers
    • Field oriented person , but should be able to track MIS and do course corrections as required
    • Ability to quote instances of having driven sales achievements and his/her active role in the same
    • Should have thorough understanding of expectations from own role , Branch Manager Role and Sales officer role
    • Ability to develop business strategy (markets, locations, people, sales, agencies) and implement the same to meet business goals and should have aggressive sales approach
    • Self-driven with sense of ownership and regimented
    • High level of integrity and starvation for growth
Apply

Regional Sales Manager (East)

  • Job Title : Regional Sales Manager

  • Location : Kolkata, Siliguri, Ranchi

    • Minimum Graduate
    • Candidate currently working as Area Manager or Regional Manager
    • Experienced in handling liability acquisition state level leadership role for at least 3-5 years approx. and hence should have handled a fairly large team of Branch Managers
    • Field oriented person , but should be able to track MIS and do course corrections as required
    • Ability to quote instances of having driven sales achievements and his/her active role in the same
    • Should have thorough understanding of expectations from own role , Branch Manager Role and Sales officer role
    • Ability to develop business strategy (markets, locations, people, sales, agencies) and implement the same to meet business goals and should have aggressive sales approach
    • Self-driven with sense of ownership and regimented
    • High level of integrity and starvation for growth
Apply

Regional Sales Manager (South)

  • Job Title : Regional Sales Manager

  • Location : : Bangalore, Mysore , Hubli, Cochin, Madurai

    • Minimum Graduate
    • Candidate currently working as Area Manager or Regional Manager
    • Experienced in handling liability acquisition state level leadership role for at least 3-5 years approx. and hence should have handled a fairly large team of Branch Managers
    • Field oriented person , but should be able to track MIS and do course corrections as required
    • Ability to quote instances of having driven sales achievements and his/her active role in the same
    • Should have thorough understanding of expectations from own role , Branch Manager Role and Sales officer role
    • Ability to develop business strategy (markets, locations, people, sales, agencies) and implement the same to meet business goals and should have aggressive sales approach
    • Self-driven with sense of ownership and regimented
    • High level of integrity and starvation for growth
Apply

Regional Sales Manager (North)

  • Job Title : Regional Sales Manager

  • Location : Jaipur, Amritsar, Chandigarh, Delhi, Indore

    • Minimum Graduate
    • Candidate currently working as Area Manager or Regional Manager
    • Experienced in handling liability acquisition state level leadership role for at least 3-5 years approx. and hence should have handled a fairly large team of Branch Managers
    • Field oriented person , but should be able to track MIS and do course corrections as required
    • Ability to quote instances of having driven sales achievements and his/her active role in the same
    • Should have thorough understanding of expectations from own role , Branch Manager Role and Sales officer role
    • Ability to develop business strategy (markets, locations, people, sales, agencies) and implement the same to meet business goals and should have aggressive sales approach
    • Self-driven with sense of ownership and regimented
    • High level of integrity and starvation for growth
Apply

Sales Officer- Liabilities (West)

  • Job Title : Sales Officer – Liabilities

  • Location : Gujarat, Maharashtra

  • Job Summary:

    • Acquire new customers for liabilities from open market
    • Assist the field staff - unsecured loans for conversion of existing borrowing customers for liabilities
    • Enhancement of the relationship with the existing customers by cross-selling products and services as per the profile & need of the customers
    • Train/assist customers to use ATM and BCs; drive usage of alternate channels
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Meet the set targets on liabilities in terms of number and values from open market acquisition & existing customer conversion
    • Understand need and acquire customers who meet the criteria for liability products through all of the below channels:
      • Leads generated by branch staff
      • personal leads
      • Referrals generated from existing customers
      • Alternate channels
    • Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
    • Accompany Field Staff-Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer
    • Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers
    • Share customer insights/product related feedback with the Team Lead - Liabilities
  • Customers :

    • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
    • Reduce customer dormancy and customer attrition by continuous engagement / interaction
    • Resolves the customer queries on various accounts, FD / RD, remittances & third party product
  • Internal Processes

    • Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
    • Strictly adhere & maintain compliance to KYC norms
    • Drive the usage of alternate channels such as ATMs, BCs and assist customers to use ATMs for dispensing cash
  • Learning and Performance :

    • Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
    • Resolve queries raised by field staff-unsecured loans w.r.t liability products and support them in selling liabilities
    • 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
  • Role Requirements:

    • Desired Qualification: Graduate, preferably in commerce and related streams
    • Desired Experience: 1-2 year experience, preferably in liability sales
Apply

Sales Officer- Liabilities (East)

  • Job Title : Sales Officer – Liabilities

  • Location : West Bengal, Assam, Odisha, Tripura

  • Job Summary:

    • Acquire new customers for liabilities from open market
    • Assist the field staff - unsecured loans for conversion of existing borrowing customers for liabilities
    • Enhancement of the relationship with the existing customers by cross-selling products and services as per the profile & need of the customers
    • Train/assist customers to use ATM and BCs; drive usage of alternate channels
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Meet the set targets on liabilities in terms of number and values from open market acquisition & existing customer conversion
    • Understand need and acquire customers who meet the criteria for liability products through all of the below channels:
      • Leads generated by branch staff
      • personal leads
      • Referrals generated from existing customers
      • Alternate channels
    • Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
    • Accompany Field Staff-Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer
    • Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers
    • Share customer insights/product related feedback with the Team Lead - Liabilities
  • Customers :

    • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
    • Reduce customer dormancy and customer attrition by continuous engagement / interaction
    • Resolves the customer queries on various accounts, FD / RD, remittances & third party product
  • Internal Processes

    • Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
    • Strictly adhere & maintain compliance to KYC norms
    • Drive the usage of alternate channels such as ATMs, BCs and assist customers to use ATMs for dispensing cash
  • Learning and Performance :

    • Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
    • Resolve queries raised by field staff-unsecured loans w.r.t liability products and support them in selling liabilities
    • 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
  • Role Requirements:

    • Desired Qualification: Graduate, preferably in commerce and related streams
    • Desired Experience: 1-2 year experience, preferably in liability sales
Apply

Sales Officer- Liabilities (South)

  • Job Title : Sales Officer – Liabilities

  • Location : Karnataka, Kerala & Tamil Nadu

  • Job Summary:

    • Acquire new customers for liabilities from open market
    • Assist the field staff - unsecured loans for conversion of existing borrowing customers for liabilities
    • Enhancement of the relationship with the existing customers by cross-selling products and services as per the profile & need of the customers
    • Train/assist customers to use ATM and BCs; drive usage of alternate channels
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Meet the set targets on liabilities in terms of number and values from open market acquisition & existing customer conversion
    • Understand need and acquire customers who meet the criteria for liability products through all of the below channels:
      • Leads generated by branch staff
      • personal leads
      • Referrals generated from existing customers
      • Alternate channels
    • Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
    • Accompany Field Staff-Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer
    • Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers
    • Share customer insights/product related feedback with the Team Lead - Liabilities
  • Customers :

    • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
    • Reduce customer dormancy and customer attrition by continuous engagement / interaction
    • Resolves the customer queries on various accounts, FD / RD, remittances & third party product
  • Internal Processes

    • Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
    • Strictly adhere & maintain compliance to KYC norms
    • Drive the usage of alternate channels such as ATMs, BCs and assist customers to use ATMs for dispensing cash
  • Learning and Performance :

    • Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
    • Resolve queries raised by field staff-unsecured loans w.r.t liability products and support them in selling liabilities
    • 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
  • Role Requirements:

    • Desired Qualification: Graduate, preferably in commerce and related streams
    • Desired Experience: 1-2 year experience, preferably in liability sales
Apply

Sales Officer- Liabilities (North)

  • Job Title : Sales Officer – Liabilities

  • Location : Delhi, Indore, Jaipur, Ajmer, Jodhpur

  • Job Summary:

    • Acquire new customers for liabilities from open market
    • Assist the field staff - unsecured loans for conversion of existing borrowing customers for liabilities
    • Enhancement of the relationship with the existing customers by cross-selling products and services as per the profile & need of the customers
    • Train/assist customers to use ATM and BCs; drive usage of alternate channels
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Meet the set targets on liabilities in terms of number and values from open market acquisition & existing customer conversion
    • Understand need and acquire customers who meet the criteria for liability products through all of the below channels:
      • Leads generated by branch staff
      • personal leads
      • Referrals generated from existing customers
      • Alternate channels
    • Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
    • Accompany Field Staff-Unsecured loans on the field for actively driving conversion of existing borrowing customers into liabilities customer
    • Cross sell other secured loan products of Ujjivan and pass quality leads to respective loan officers
    • Share customer insights/product related feedback with the Team Lead - Liabilities
  • Customers :

    • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
    • Reduce customer dormancy and customer attrition by continuous engagement / interaction
    • Resolves the customer queries on various accounts, FD / RD, remittances & third party product
  • Internal Processes

    • Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
    • Strictly adhere & maintain compliance to KYC norms
    • Drive the usage of alternate channels such as ATMs, BCs and assist customers to use ATMs for dispensing cash
  • Learning and Performance :

    • Maintain up to date knowledge of the liabilities products and services as well as a working knowledge of other products offered in the branch
    • Resolve queries raised by field staff-unsecured loans w.r.t liability products and support them in selling liabilities
    • 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
  • Role Requirements:

    • Desired Qualification: Graduate, preferably in commerce and related streams
    • Desired Experience: 1-2 year experience, preferably in liability sales
Apply

Branch Banking

Branch manager (East)

  • Job Title : Branch manager

    • Any Graduate. PGDM/ MBA preferred
    • Minimum of 5-7 years of in-depth experience in sales, branch banking operations and customer service with a reputed bank with proven track record in liabilities, third party products and assets sales across customer segments.
    • Responsible for driving business targets for unsecured loans and conversion of existing borrowers for liabilities at the prime branch and associated branches
    • Ensure exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements
    • Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivan’s products and services
    • Oversee branch operations, cash management and service quality
    • Responsible for working closely with product and marketing teams to drive campaigns in respective cluster
    • Monitor daily performance of branch staff
Apply

Branch manager (North)

  • Job Title : Branch manager

    • Any Graduate. PGDM/ MBA preferred
    • Minimum of 5-7 years of in-depth experience in sales, branch banking operations and customer service with a reputed bank with proven track record in liabilities, third party products and assets sales across customer segments.
    • Responsible for driving business targets for unsecured loans and conversion of existing borrowers for liabilities at the prime branch and associated branches
    • Ensure exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements
    • Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivan’s products and services
    • Oversee branch operations, cash management and service quality
    • Responsible for working closely with product and marketing teams to drive campaigns in respective cluster
    • Monitor daily performance of branch staff
Apply

Branch manager (South)

  • Job Title : Branch manager

    • Any Graduate. PGDM/ MBA preferred
    • Minimum of 5-7 years of in-depth experience in sales,
    • branch banking operations and customer service with a reputed bank with proven track record in liabilities, third party products and assets sales across customer segments.
    • Responsible for driving business targets for unsecured loans and conversion of existing borrowers for liabilities at the prime branch and associated branches
    • Ensure exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements
    • Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivan’s products and services
    • Oversee branch operations, cash management and service quality
    • Responsible for working closely with product and marketing teams to drive campaigns in respective cluster
    • Monitor daily performance of branch staff
Apply

Branch manager (West)

  • Job Title : Branch manager

    • Any Graduate. PGDM/ MBA preferred
    • Minimum of 5-7 years of in-depth experience in sales, branch banking operations and customer service with a reputed bank with proven track record in liabilities, third party products and assets sales across customer segments.
    • Responsible for driving business targets for unsecured loans and conversion of existing borrowers for liabilities at the prime branch and associated branches
    • Ensure exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements
    • Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivan’s products and services
    • Oversee branch operations, cash management and service quality
    • Responsible for working closely with product and marketing teams to drive campaigns in respective cluster
    • Monitor daily performance of branch staff
Apply

Customer Relationship Manager (East)

  • Job Title : Customer Relationship Manager

  • Location : West Bengal , Odisha

    • Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered; Preferred experience of 2-4 years in banking, sales or collection
    • Actively drive acquisition of customers for unsecured loans (GL and unsecured IL) and liabilities portfolio
    • Enable conversion of existing borrowing customers for liabilities.
    • Responsible for business development of a branch by acquiring new customers and retaining the old ones.
    • Selling financial products, servicing & collecting repayments from around 4000-8000 customers, predominantly poor women.
    • Managing the branch & field operations of the branch which requires strong process management as per field operations manual.
    • Managing people and infrastructure
    • Conduct area surveys for potential business expansion.
    • Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
    • Maintains process quality & ensures adherence to internal audit standards
    • Assess the market potential and give feedback on product modification and new product development to the regional product teams
    • Ensure customers and Customer Relationship Officer (CROs) are educated about the unsecured loans and liabilities products offered by Ujjivan
Apply

Customer Relationship Manager (West)

  • Job Title : Customer Relationship Manager

    • Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered; Preferred experience of 2-4 years in banking, sales or collection
    • Actively drive acquisition of customers for unsecured loans (GL and unsecured IL) and liabilities portfolio
    • Enable conversion of existing borrowing customers for liabilities.
    • Responsible for business development of a branch by acquiring new customers and retaining the old ones.
    • Selling financial products, servicing & collecting repayments from around 4000-8000 customers, predominantly poor women.
    • Managing the branch & field operations of the branch which requires strong process management as per field operations manual.
    • Managing people and infrastructure
    • Conduct area surveys for potential business expansion.
    • Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
    • Customer Relationship Manager (CRM)Maintains process quality & ensures adherence to internal audit standards
    • Assess the market potential and give feedback on product modification and new product development to the regional product teams
    • Ensure customers and Customer Relationship Officer (CROs) are educated about the unsecured loans and liabilities products offered by Ujjivan
Apply

Customer Relationship Manager (North)

  • Job Title : Customer Relationship Manager

    • Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered; Preferred experience of 2-4 years in banking, sales or collection
    • Actively drive acquisition of customers for unsecured loans (GL and unsecured IL) and liabilities portfolio
    • Enable conversion of existing borrowing customers for liabilities.
    • Responsible for business development of a branch by acquiring new customers and retaining the old ones.
    • Selling financial products, servicing & collecting repayments from around 4000-8000 customers, predominantly poor women.
    • Managing the branch & field operations of the branch which requires strong process management as per field operations manual.
    • Managing people and infrastructure
    • Conduct area surveys for potential business expansion.
    • Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
    • Maintains process quality & ensures adherence to internal audit standards
    • Assess the market potential and give feedback on product modification and new product development to the regional product teams
    • Ensure customers and Customer Relationship Officer (CROs) are educated about the unsecured loans and liabilities products offered by Ujjivan
Apply

Customer Relationship Manager (South)

  • Job Title : Customer Relationship Manager

    • Graduate in Commerce/Business/Economics or related subjects with good analytical and sales skills to be considered; Preferred experience of 2-4 years in banking, sales or collection
    • Actively drive acquisition of customers for unsecured loans (GL and unsecured IL) and liabilities portfolio
    • Enable conversion of existing borrowing customers for liabilities.
    • Responsible for business development of a branch by acquiring new customers and retaining the old ones.
    • Selling financial products, servicing & collecting repayments from around 4000-8000 customers, predominantly poor women.
    • Managing the branch & field operations of the branch which requires strong process management as per field operations manual.
    • Managing people and infrastructure
    • Conduct area surveys for potential business expansion.
    • Undertake initiatives to retain and deepen relationship with existing customer for unsecured loans and for liabilities
    • Maintains process quality & ensures adherence to internal audit standards
    • Assess the market potential and give feedback on product modification and new product development to the regional product teams
    • Ensure customers and Customer Relationship Officer (CROs) are educated about the unsecured loans and liabilities products offered by Ujjivan
Apply

Credit

Area Credit Manager – MSE (West)

  • Job Title : Area Credit Manager – MSE

  • Location : Mumbai

    • Graduate mandatory, MBA or equivalent desired
    • min. 3 years or experience, with minimum 1 year in business loans/lap credit in reputed NBFCs. Should have managed a team of credit staff
    • Building a quality portfolio and team for the cluster by ensuring policy and process implementation and support business growth
    • Guide credit officers in underwriting
    • Knowledge of Mortgage Process required
    • Knowledge about the competitor and market required
    • Laisoning and appointing Legal and technical vendors
    • Maintaining the portfolio quality for the cluster
Apply

Credit Officer (West)

  • Job Title : Credit Officer

  • Location : Goregaon

    • Any Graduate, at least 2 year experience in any MFI with individual loan portfolio or within banking sector in SME lending required
    • Ensure good portfolio quality of the IL portfolio in assigned area by identifying potential credit and operating risks.
    • Ensures adherence to credit Process and Policies.
    • Ensures TAT is met for all activities related to credit for the branch. Should be comfortable in reading and writing local languages
Apply

Credit Officer - Individual Loan (South)

  • Job Title : Credit Officer - Individual Loan

  • Educational Qualifications and Skills:

  • Technical Skills :

    • Basic knowledge of accounting and finance administration, management of financial indicators as well as credit risk skills.
    • Basic Computer knowledge
    • Ability to plan, set goals, initiative, persistence, self-discipline;
    • Critical and organized
  • Communication and interpersonal capacity :

    • Excellent interpersonal relations – Interacts well with staff, superiors, clients and other staff of the institution;
    • Ability to communicate – Has good verbal fluency and uses simple, clear and purposeful language.
    • Is able to learn and think logically;
    • Ability to manage a number of responsibilities at the same time;
    • Perceptive
  • Professional Experience :

    • At least 2 year experience as IL officer within Ujjivan or any MFI with individual loan portfolio or within banking sector in SME lending
  • Ethical Posture :

    • Establishes a business relationship with clients;
    • Establishes a friendly and professional relationship with the entire team;
    • Promotes the organization on an ongoing basis;
    • Avoids receiving gifts from clients;
    • Exercises discretion and maintains confidentiality of information received;
    • Fair attitude when approving loans in the Credit Committee sessions
  • Responsibilities:

    The IL Credit Officer is responsible to ensure good portfolio quality of the IL portfolio by identifying potential credit and operating risks. related with the approval of an individual loan analyzing the financial and credit risk situation of the client as part of the Sanctioning Committee.

  • Note: Should be comfortable in reading and writing local languages (Kannada/ Tamil/ Malayalam)
Apply

Credit Officer - Individual Loan (East)

  • Job Title : Credit Officer - Individual Loan

  • Educational Qualifications and Skills:

  • Technical Skills :

    • Basic knowledge of accounting and finance administration, management of financial indicators as well as credit risk skills.
    • Basic Computer knowledge
    • Ability to plan, set goals, initiative, persistence, self-discipline;
    • Critical and organized
  • Communication and interpersonal capacity

    • Excellent interpersonal relations – Interacts well with staff, superiors, clients and other staff of the institution;
    • Ability to communicate – Has good verbal fluency and uses simple, clear and purposeful language.
    • Is able to learn and think logically;
    • Ability to manage a number of responsibilities at the same time;
    • Perceptive
  • Professional Experience :

    • At least 2 year experience as IL officer within Ujjivan or any MFI with individual loan portfolio or within banking sector in SME lending
  • Ethical Posture :

    • Establishes a business relationship with clients;
    • Establishes a friendly and professional relationship with the entire team;
    • Promotes the organization on an ongoing basis;
    • Avoids receiving gifts from clients;
    • Exercises discretion and maintains confidentiality of information received;
    • Fair attitude when approving loans in the Credit Committee sessions
  • Responsibilities:

    The IL Credit Officer is responsible to ensure good portfolio quality of the IL portfolio by identifying potential credit and operating risks. related with the approval of an individual loan analyzing the financial and credit risk situation of the client as part of the Sanctioning Committee.

    Note: Should be comfortable in reading and writing local languages (Kannada/ Tamil/ Malayalam)

  • Note: Should be comfortable in reading and writing local languages (Kannada/ Tamil/ Malayalam)
Apply

Credit Officer – Home Loans (South)

  • Job Title : Credit Officer – Home Loans

  • Location : Pondicherry

  • Primary Role:

    Plan the daily activities and work related requirements including work output and quality of the credit appraisals conducted

  • Job Responsibilities:

    • 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.
  • Job Responsibilities :

    • 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 and 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.
  • Qualification : A graduate preferably with accounts, commerce, math's or statistics.

  • Skills Required : A Computer knowledge in basic and MS-office, Well versed in income analysis

  • Experience : At least 1 year in Ujjivan as a Loan Officer or Credit Officer - IL

  • Travelling : He should be able to cover 3-4 branches

  • Note : Should be comfortable in reading and writing local languages (Kannada/ Tamil/ Malayalam)

Apply

Audit

No Openings Currently.

Finance

Manager- Taxation(Corporate)

  • Job Title : Manager- Taxation

  • JOB SUMMARY :

    • To manage multiple areas of Direct and indirect taxation of the bank. Responsible for GST roll out and Transfer Pricing with an ability to manage independently all direct and indirect tax compliances.
    • Responsible for optimising tax (both direct as well as indirect taxes) and implementing tax strategies and positions for the Bank.
    • Deliver on time and accurate tax reports, returns/payments and tax provision( both direct and indirect) in various tax jurisdictions.
  • Financial / Business :

    • Ensuring all direct and indirect tax compliances including tax assessments.
    • Ensuring TDS deduction, deposit, filing of TDS returns and issuance of certificates within the stipulated timelines.
    • Ensuring service tax and VAT related compliances within the stipulated timelines
    • Smooth transition into GST.
    • Responsible for tax optimization initiatives.
    • Responsible for Transfer pricing documentation and tax audit.
  • Internal Processes :

    • It involves both people management and individual contributor role. He would be reviewer & responsible for tax compliances including finalization of tax returns (both direct and indirect taxes)of the bank.
    • It also provides a very good exposure towards stakeholder management as well as Direct & Indirect tax compliances at the group level.
  • Desired Qualification :

    CA Preferred

  • Desired Experience :

    6 – 7 years of relevant experience in Taxation. Preferably from BFSI. Sound practical knowledge of functional aspects of Direct & Indirect Tax Laws

Apply

HR

No Openings Currently.

IT

IT Program Manager

  • Location : Banglore

  • Job Title : IT Program Manager

  • Job Summary :

    • As a member of the Technology organization, the PMO Manager, will be part of the team that delivers projects to meet the business requirements. These projects could be both infrastructure as well as application centric. The PMO manager will assume primary responsibility for project leadership and for facilitating completion and communication on all projects deliverables, phase driven schedules, project timelines and milestones, status reporting etc.
    • He/She leads scope definition, risk identification, monitoring and reporting, communication plans and project schedules, will report on project status, determine time frames on deliverables and milestones, staffing and resource requirements and lead others to make meaningful process improvements
    • Responsible for overall coordination, status reporting, and execution of project oriented work efforts.
    • Establishes and implements project management processes to ensure projects are delivered on time, comply with high quality standards, and meet business expectations.
  • PRIMARY RESPONSIBILITIES

  • Business

    • Provides regular, professional, and appropriate communications to the business stakeholders.
    • Proactively identify, track and resolve issues, risks and dependencies associated with projects managed, and communicate risks and issues to the business stakeholders.
    • Identify and implement issue resolutions. Lead risk management identification and mitigation plans.
  • Internal process

    • Monitor and document project milestones and outcomes throughout the project lifecycle to ensure adherence to established quality standards
    • Conduct Project Team meetings and situational analysis regularly to ensure appropriate communication to all stakeholders
    • Develop presentations, dashboards, reports and other team and executive level project communications and documentation
    • Develop, communicate and implement project risk mitigation plans and complete Risk, Actions, Issues and Decisions documentation to effectively monitor risk and enable accountability and responsibility
  • Learning & Performance

    • Ensure adoption of project management tools and processes
  • DESIRED QUALIFICATION:

    • Minimum 8 years formal project management experience leading projects and teams varying in size, risk, scope and complexity
    • 5 years relevant financial services experience preferred
    • Proficient with Project and Portfolio Management Tools. (SharePoint, Visio, Excel, MS Project, etc.)
  • DESIRED EXPERIENCE:

    • Technology Implementation understanding.
    • Vendor Management.
Apply

Administration

No Openings Currently.

Marketing Management

Assistant Manager – Brand Activation & Events

  • Location : Ahmedabad

  • Job Title : Assistant Manager – Brand Activation & Events

  • Job Summary :

    • To support the RMM in brand activations/ lead generation and coordinate with the brand teams to execute the marketing strategy , launch of new SFB Branches and build awareness
    • Successful launch of pilots / new products as assigned in the region
    • To assist in executing and implementing national Brand Marketing strategies, events, BTL activities to achieve marketing goals in the region for assigned products and services for one or more areas, product lines, or market segments (Liabilities, Assets and Third Party Products).
    • To assist in preparing promotional collaterals and communication materials, as well as other marketing administration duties in the region.
    • Identify high quality vendors and promotional agencies to carry out such marketing & lead generation activities and effectively supervise them first hand.
    • Coordinate the distribution of internal and external product & marketing collaterals, training content and ensure regular availability in the region and bank branches
    • Innovatively create a wide variety of templates, marketing materials etc. that may include POP/POS materials, Product brochures, Emails & other online communications advertisements for RO, branches and sales teams.
    • Data and consumer insights mining for the region for Ujjivan and Competition , conduct periodic dipsticks on products and services of the bank
    • Assist the RMM in executing and leveraging the e CRM tool on Lead Management and Campaign Management
  • PRIMARY RESPONSIBILITIES

  • FUNCTIONAL KNOWLEDGE AND SKILLS

    • Positive attitude to take up challenges
    • Possess strong analytical, creative thinking, communication and influencing skills.
    • Ability to effectively collaborate, communicate and influence in a matrix environment
    • Solution oriented and problem solver with a high degree of comfort with ambiguity
    • Power point & Excel skills
  • BEHAVIOURAL COMPETENCIES :

    • Good interpersonal skills
    • Negotiation Skills
    • Marketing Acumen
    • Strong Analytical Skills
    • Communication Skills
    • Relationship building and collaboration
Apply

Risk and Compliance

Compliance Manager(Corporate)

  • Job Title : Compliance Manager

  • Location : Banglore

  • Criteria :

    • 8 + years of experience in banking domain, a good understanding of banking rules and regulatory guidelines that impact banking.
    • Preferably to have worked in the areas of branch banking/ Operations/ risk/ IT / Compliance /Audit functions of the bank.
  • Job Description/ Key Responsibilities:

    • Establish and continuously improve a consistent compliance framework for the identification, management, monitoring and reporting of Compliance risks and issues.
    • Eye for detail and expertise in performing banking compliance functions, advisory and testing.
    • Monitor the compliance at 3 levels ,Branch ,Department and Organisation level
    • Understanding of Regulatory laws, regulatory strategies
    • Knowledge and experience of best practice compliance and governance frameworks, methodologies and emerging practice, compliance monitoring and risk assessments
    • Experience of communicating with regulators and assisting with regulatory enquiries and inspections.
    • Ability to interpret data, perform fair and responsible banking analysis and validate results.
    • Identification and prioritization of compliance issues. Adherence to policies, procedures, processes, checklists, controls and inputs for training programmes.
    • Assist in the Implementation of compliance plans in developing risk registers covering various activities of the bank.
    • Assist with the compliance risk assessment process ensuring that the compliance risks are appropriately identified and assessed.
    • Conduct compliance risk reviews and provide guidance for risk assessment in various business areas and evaluate effectiveness of internal control system. Testing, monitoring and investigations related to banking compliance
    • Review of new / modifications of products and processes.
    • Handling compliance monitoring tools and support branches & various units of the Bank to promote the Compliance culture.
    • Provide functional support to internal departments in areas of compliance with regulatory bodies, dissemination of circulars issued by regulators etc.
    • Train personnel to ensure that they understand their responsibilities in complying with regulations. Provide compliance monitoring trainings to relevant Department and other nodal officers in departments.
    • Keep abreast of the latest changes, if any, in the regulatory environment pertaining to the SFBs
Apply

Operations

Cluster Manager – Branch Operations & Control (West)

  • Job Title : Cluster Manager – Branch Operations & Control

  • Job Summary :

    • Oversee branch operations and ensure regulatory and process compliance of the cluster
    • Accountable for day to day operational and administrative activities in the branches which include coordination with IT, infrastructure, security, secured stationary (operations), unsecured stationary (Admin) and housekeeping
    • Monitor performance of branch operations
    • Provide guidance and regular updates on operations related topics
    • Accountable for coordination of audits and closure of audit findings within timelines
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Accountable for overall control of branch operations and administration
    • Ensure adherence to operations budgets for the cluster
    • Variances against budgets should be reported on a periodic basis to the Regional Manager – Branch Operations
    • Ensure product awareness among operations team to enable them to handle a walk in customer
    • Guide operations team to cross-sell Ujjivan's products to walk-in customers
  • Customer :

    • Ensure branch team treat customers in a courteous manner
    • Ensure branch team assist/educate customers to use ATMs and other channels
    • Ensure TAT adherence for all branches transactions, grievance redressal and customer queries
  • Internal process :

    • Accountable for back end operations of the cluster
    • Adherence to TAT and SLAs for all operations activities
    • Accountable for accurate cash management and tallying of accounts in the system with the help of tellers and assistant branch managers; ensure compliance of end of day branches reconciliation
    • Oversee maintenance of overall branches ambience/infrastructure as per HO / RO guidelines
    • Oversee branches administration activities including coordination with IT, infrastructure, security, secured stationary (operations), unsecured stationary (Admin) and housekeeping
    • Oversee ATM operations, cash loading into on-site ATMs and escalate to Regional ATM executives/Vendors for ATM downtime at respective cluster
    • Ensure process level compliance through accurate document collection from customers and adherence to RBI regulations around KYC, AML, operational risk, customer service, etc. for branch operations
    • Monitor 100% regulatory and process compliance reporting of branches in his/her cluster
    • Review the ORM report from branches on branch level compliance
    • Collate branch level risk and compliance reporting for cluster and report to Regional – ORM & Compliance manager as per timelines
    • Process level Gaps/Issues/Audit findings – Accountable for the timely follow-up and closure of issues raised in Audit and design action plan for minimizing similar lapses
  • Learning and Performance :

    • Train the branch operations team on new processes/systems for account opening, cash transactions etc., other operational procedures, cash management, guidelines related to systems and processes and create an environment of continuous learning and improvement
    • Develop an action plan/ improvement program for identified low performance branches to ensure higher process compliance
    • Schedule training programme for operations functions of low performance branches
    • Ensure that the Branch Operations team maintain the highest standards of professional conduct, ethics, integrity, and control in execution of all their daily operations
    • Manage the team; including target setting and monitoring performance against the defined goals/ metrics and take corrective action wherever required
    • Ensure adherence to training man-days/ mandatory training programs for self and reportees
    • Ensure, midyear -review and annual appraisal process is completed within timelines for self and reportees
  • Role Requirements :

    • Desired Qualification : Graduate in Commerce/Business/Economics or related subjects with good analytical skills and experience in banking operations Post-graduate qualification is preferred.
    • Desired Experience : 5-7 years of experience in banking; with atleast 2-3 years of experience in Branch Banking operations
  • Functional Knowledge and Skills :

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

    • Knowledge of banking business & operations
    • Ability to focus on operational efficiency
    • Knowledge of transaction monitoring and reconciliation
    • Knowledge of compliance requirements
    • Technology understanding
  • Behavioural Competencies :

    • System and process orientation
    • Quality orientation
    • Problem-solving ability
    • Customer Service Orientation
    • Team management
Apply

Cashier (East)

  • Job Title : Cashier

    • Any graduate with Minimum 1-2 years’ experience in handling cash at volume
    • Should have exposure of making entries in financial modules/ERP
    • Should have experience in consolidating accounting data
    • Responsible for executing all cash related transactions and operations for the Branch as per internal / external banking guidelines
    • Ensure appropriate entries in relevant registers/online; perform end of day reconciliation in the system
  • Functional Knowledge and Skills required -

    • Cash handling/accounting skills
    • Prudent handling of cash with ability to detect fake notes
    • Systematic; meticulous and timely customer service
    • Sensitive to Customer Wait Time
    • Mandatory operating knowledge of computers
    • Relevant software skills (On-Job training to be provided )
    • Strong numerical skills
    • Multitasking ability
Apply

Cashier (West)

  • Job Title : Cashier

    • Any graduate with Minimum 1-2 years’ experience in handling cash at volume
    • Should have exposure of making entries in financial modules/ERP
    • Should have experience in consolidating accounting data
    • Responsible for executing all cash related transactions and operations for the Branch as per internal / external banking guidelines
    • Ensure appropriate entries in relevant registers/online; perform end of day reconciliation in the system
  • Functional Knowledge and Skills required -

    • Cash handling/accounting skills
    • Prudent handling of cash with ability to detect fake notes
    • Systematic; meticulous and timely customer service
    • Sensitive to Customer Wait Time
    • Mandatory operating knowledge of computers
    • Relevant software skills (On-Job training to be provided )
    • Strong numerical skills
    • Multitasking ability
Apply

Cashier (North)

  • Job Title : Cashier

    • Any graduate with Minimum 1-2 years’ experience in handling cash at volume
    • Should have exposure of making entries in financial modules/ERP
    • Should have experience in consolidating accounting data
    • Responsible for executing all cash related transactions and operations for the Branch as per internal / external banking guidelines
    • Ensure appropriate entries in relevant registers/online; perform end of day reconciliation in the system
  • Functional Knowledge and Skills required -

    • Cash handling/accounting skills
    • Prudent handling of cash with ability to detect fake notes
    • Systematic; meticulous and timely customer service
    • Sensitive to Customer Wait Time
    • Mandatory operating knowledge of computers
    • Relevant software skills (On-Job training to be provided )
    • Strong numerical skills
    • Multitasking ability
Apply

Cashier (South)

  • Job Title : Cashier

    • Any graduate with Minimum 1-2 years’ experience in handling cash at volume
    • Should have exposure of making entries in financial modules/ERP
    • Should have experience in consolidating accounting data
    • Responsible for executing all cash related transactions and operations for the Branch as per internal / external banking guidelines
    • Ensure appropriate entries in relevant registers/online; perform end of day reconciliation in the system
  • Functional Knowledge and Skills required -

    • Cash handling/accounting skills
    • Prudent handling of cash with ability to detect fake notes
    • Systematic; meticulous and timely customer service
    • Sensitive to Customer Wait Time
    • Mandatory operating knowledge of computers
    • Relevant software skills (On-Job training to be provided )
    • Strong numerical skills
    • Multitasking ability
Apply

Service Quality

Cluster Manager – Customer Care (North)

  • Job Title : Cluster Manager – Customer Care

  • Location : Sirsa

  • Job Summary :

    • Responsible for implementation and monitoring customer care and support program for 15+ branches through Customer Care Representatives (CCR) for delivering seamless customer experience
    • Implement customer retention programs through CCRs
    • Responsible for implementing ‘customers life events management framework’ at a cluster of branches
    • Review and closure of customer complaints received through CCRs at branches
    • Track / participate in Branch level customer service committee meetings
    • Assist in CSAT surveys, mystery shopping
    • Responsible to conduct customer service audits of branches
    • Monitoring BC outlets and ATMs on customer service aspects, feedback and complaints
    • Responsible for recruitment, training, onboarding and performance management of CCRs
    • Staff training on customer service, SQ programs and FPC
  • PRIMARY RESPONSIBILITIES :

  • Financial / Business

    • Achieve targeted customer retention rates through CCRs and other branch level SQ programs, ensure CCRs will report customer exit reasons accurately
    • Implement service quality programs to achieve targeted Average Number of Products per Customer and New Customer Acquisition ratios
  • Customer

    Customer Experience Management

    • Educate CCRs on customer support and positive interactions which are empathetic, respectful, courteous and handholding
    • Ensure customers are offered services with best in the industry experience, quick and hassle free
    • Ensure effective mechanism for handling customer concerns/requests around product queries and banking transactions
    • Responsible to monitor customer life events management initiatives, track exceptions and close the gaps, educate CCRs on such gaps and suggest corrective actions
    • Constantly review quality and appropriateness of customer interactions at branch and BC touch points, recommend process corrections for controlling negative customer experience
    • Review physical facilities and infra available at branches for walk-in customers (especially for senior citizens and disabled), report to admin team on any inadequacies thereof
  • Customer Care Representatives

    • Responsible to manage 15+ CCRs at a cluster of branches, from the recruitment stage to, onboarding, training, performance management and retention of CCRs
    • Regular review of CCRs’ performance and feedback for improvement
    • Ensure CCRs are aligned to their core job roles and expectations
    • Assist CCRs to achieve service quality targets, identify opportunities for strengthening CCR program
    • Ensure periodic training programs for CCRs on their responsibilities as a backup for the cashiers in select areas.
  • Grievance Resolution and Fair Practices Code

    • Implement guidelines of RBI and Indian Banks’ Association (IBA) on customer service
    • Ensure effective functioning of customer complaint resolution mechanism at branch level by CCRs
    • Escalate customer complaints related to ATMs and BC outlets
    • Review and closure of customer complaints received by CCRs at branches, educate CCR on complaint resolution process and escalations management
    • Verify and ensure branch display of all mandatory disclosures to customers and complaint registers, suggestion boxes are in place
    • Ensure all branches of reporting cluster will conduct mandatory monthly branch level Customer Service Committee meeting – grievance redressal day.
    • Participate in branch level customer service committee meetings, provide feedback for service improvements and consolidate/report customer recommendations received from these meetings
  • SQ Rewards and Recognition Programs

    • Ensure publicity and employee awareness on SQ rewards and recognition (RnR) programs
    • Motivate branch and cluster level staffs to identify and nominate suitable staffs for SQ RnR
  • Quality Assurance, Efficiency and Service TAT monitoring

    • Conduct periodical customer service audits for branches, ATMs and BC outlets of a cluster and submit consolidated checklists / reports to RSQM
    • Assist SQ team to execute various customer satisfaction feedback surveys (CSAT), Mystery shopping andamp; Service Audits through CCRs
  • Internal Process

    Service Quality Trainings

    • Conduct basic training for new CCRs and periodical refreshers
    • Assist in delivery of role based SQ trainings on mindset change, customer services, soft skills life events management and fair practices code
  • Human Resource and People Management

    • Assist RSQM and HR in timely recruitment of CCRs
    • Performance management and feedback for reporting CCRs
    • Ensure team work, coordination, discipline and customer/branch connect
    • Leave management of team
  • Learning and Performance

    • Maintain adequate knowledge of company products, services and processes
    • Develop basic understanding of core banking solutions, mobility platforms and CRM solution
    • Develop awareness of standards and best practices of peers in the local banking sector
    • Constantly upgrade training skills
    • Maintain complete knowledge of various guidelines from regulators on customer service, grievances redressal, KYC/AML norms etc
    • Ensure adherence to training man-days/ mandatory training programs for self / CCRs
    • Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
  • Role Requirements :

    • Desired Qualification : Any Graduation
    • Desired Experience : Minimum 3 - 5 years’ experience of customer service / operations at Banks / NBFCs
  • Functional Knowledge and Skills

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

    • Efficient customer service and support
    • Conflict handling and problem resolution
    • Ability to implement customer service and retention programs
    • Training Skills: delivery
    • Basic MIS, data analysis and interpretation, process improvement
    • Mobility is essential
  • Behavioural Competencies

    • Adept in all available means of communication( oral, written, electronic) to communicate and disseminate information in a way that is unambiguous
    • Adept in all available means of communication( oral, written, electronic) to manage people, make decisions, collect and disseminate information in a way that is unambiguous
    • Ability to participate and collaborate with various stakeholders which include both internal and external stakeholders. Example, Vendors, technology partners etc.
    • Ability to manage a team of 8-10
Apply

Vigilance

No Openings Currently.

Business Loan

Cluster Manager – MSE (West)

  • Job Title : Cluster Manager – MSE

  • Location : : Ahmedabad, Vadodara, Mumbai, Pune, Nagpur

    • Any Graduate
    • Min. 3 years in sales and documentation of loans of which at least 1 years in secured loans, business loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales + Credit is acceptable, but should be predominantly in sales
    • Drive this business in the respective cluster.
    • Responsible for overall growth and success of the business in the cluster.
    • Oversees the performance of the MSE portfolio of his/her cluster in terms of growth (amount and client base) and productivity of relationship officers by guiding them and carrying out constructive reviews of their performance.
    • Guides the relationship officers in carrying out marketing and sales activity, customer appraisals and proposal preparation.
    • Maintains relationship with high value MSE customers to maximize value and get referrals
    • Exercises control and carries out recovery of loans in his/her cluster, carries out risk assessment and recovery strategies.
Apply

Regional Business Manager - MSE (North)

  • Job Title : Regional Business Manager - MSE (North)

  • Educational Qualification :

    • Graduation mandatory, MBA or Equivalent desired
  • Experience:

    • 10 years of experience, with min. 5 years of managing large Direct Sales Team. Business loans / LAP/ Retail loan sales in reputed Banks/NBFCs primary through Direct Sales Channel. Should have managed business over multiple locations in Delhi NCR.
    • Good understanding of the NBFC/bank lending (business loans and LAP) landscape in the region is required.
  • Roles and Responsibilities :

    • To develop business strategy for Micro & Small Enterprise Loans (Business Loans & LAP -SEP SENP) and implement the same
    • To set and achieve business goals for Maharashtra (including Mumbai) & Gujarat for Ujjivan Small Finance Bank for MSE finance business
    • To build teams, manage performance and derive productivity
    • To drive marketing in order to source customers: Ujjivan SFB is a new entrant in business loans and would require rigorous sales and marketing to penetrate
    • Maintain portfolio mix in terms of products and quality in terms of portfolio health and yield
    • To collaborate with other business teams and functions of Ujjivan Small Finance Bank
    • Bring in innovations and work on strategic partnerships with other players in business loans/ LAP/ enterprise finance.
Apply

National Manager - Credit and Collection (Corporate Office)

  • Job Title : National Manager - Credit and Collection (MSE)

  • Job Summary :

    • Managing credit policy of the MSE vertical so as to enable growth of the MSE portfolio in line with the plans and maintain credit quality within the budgeted numbers
    • To review processes and policies to provide best in class TAT for all applications.
    • To identify areas for automation and digitisation for improving growth and health of the portfolio and improving productivity of the credit team.
    • To identify segments and build processes to drive digital lending for the proposed segments.
    • To develop credit scoring and other tools to facilitate standardisation and improvement in credit appraisal process for the SME business.
    • To facilitate laying down uniform operational manuals, standardised credit processes for the organization covering all policies, procedures and compliances. Standardisation of the process across region, weekly review with the team and regular visit to branches to address the issues/challenges
    • Review analytical / quantitative analysis of the trends of loan portfolio health and customer base on a weekly and monthly basis.
    • Undertaking periodic review of the cost budget, and taking necessary action to ensure cost budget target is met
    • Building and leading a highly effective team to be able to grow the portfolio and maintain portfolio quality.
    • Review and ensure vendor service quality and TATs
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Support the business team to achieve the business numbers for the year
    • To ensure that the PAR percentage and NPA should be within the budgeted amount.
    • Controlling the credit and operational expenses in all the regions.
    • Design and ensure appropriate monitoring of credit policy & processes for secured loans in line with the regulatory norms and to control credit losses.
    • Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.
    • Certify the nominated Credit and Distribution staff on key credit processes and scorecards
    • Recommend modifications in key measuring and scoring of loan documents based on performance metrics
    • Develop and implement new credit assessment tools for Approval / Underwriting as required
    • Monitor and ensure Credit related Regulatory and Legal compliances are followed thoroughly by the key role holders across departments
    • Ensure good portfolio quality and less credit expenses under provisioning through quality approvals
    • Conduct credit for files which come under his / her DP judiciously and within TAT.
    • Conduct Periodic review of Credit Initiation, Portfolio Quality, Collection and other Performance Metrics to take necessary actions.
    • Implement Credit Penalty Matrix with the help of HR and Business Head for staff with violations
    • Initiate write-off of non-recoverable accounts as per the defined policy and process
    • Ensure Internal and External Risk assessment is being done for all the branches
    • Ensure less number of branches in the sub-standard category of Risk and Credit Performance
    • Provide inputs to Collections framework
    • Monitor Flow and Related measures to ensure that NPAs / write-offs stay under control
    • Work closely with Control functions like Audit and Vigilance to manage Portfolio Risk
  • Customer :

    • To streamline processes to ensure improvement in TATs
    • To work towards automation and credit automation in order to provide consistency in decision making and faster TATs.
    • Engage with Distribution, Product and Risk departments while designing the Credit Policies and Processes in line with customer requirement.
    • Engage with Customer and staff to understand the customer and field staff requirements while framing the policies and processes
    • Ensure credit team provides good service to customers through efficient processing of applications
    • Monitor timely payment of dues to any external agencies
    • Visit customers in very critical cases to proper robust assessment of the stressed asset and guide the collections team accordingly
  • Internal process :

    • Ensuring the number of non-conformities raised in the audit should be within the tolerance limits.
    • Ensure adherence to all regulatory norms with respect to Documentation, Customer Selection and Sanctioning of Loans
    • Ensure timely & accurate submission of daily, weekly & monthly reports on Credit Initiation, Portfolio
    • Provide timely compliances to internal and external audit reports
    • Ensure the technological requirements are provided to IT based on the changes in Policy and processes
    • Ensure the monthly reports on key Performance metrics are furnished to Head-Credit
    • Ensure timely escalation of critical cases to Credit Head and obtain appropriate deviation approvals
    • Monitor Audit compliances of regional credit teams and take corrective actions
    • Ensure implementation of technological changes suggested
    • Ensure adherence to all regulatory norms for all collections and recovery cases
    • Regularly Monitor Collections update and give directions / take appropriate actions including coordination with vigilance as deemed fit
  • Learning & Performance :

    • Ensuring that all the employees, across the regions are hired and are certified within timelines.
    • Collaborate with training & development team to design & execute training programs on Credit Policies and Processes, Supervision, Collections and Analytics
    • Identify training needs to support the business and Provide the training with good resources
    • Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
    • Pursue the Executive Programs and Relevant Courses to the team and for the self
    • Interact with People in the industry to bring best practices being followed in the sector
    • Attend Seminars, Summits and Conferences in order to enhance the overall knowledge and to be updated about the industry
    • Provide Growth opportunities to team members to cross learning and mentoring talent
  • Desired Qualification :

    • CA/MBA or equivalent
  • Desired Experience :

    • Extensive expertise of around 15 years in managing business /credit for MSME, Loan against property.
Apply

National Product Manager - MSE

  • Job Title : National Product Manager - MSE

  • Location : Banglore

  • Job Summary :

    • To identify products, segments and markets for the MSE segment to focus on.
    • To formulate product programs and policies to enable growth of the MSE business in line with the objectives of the business
    • To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
    • To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements
    • To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
    • To assess and support plans for digital lending initiatives for the MSE business
    • Undertaking periodic review of the business P&L, identify areas of good performance and improvement, and propose corrective action to ensure budgets and return ratios are met in line with plans for the MSE business.
    • To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
    • To drive the liability strategy and plan for the MSE business in terms of growth in liability relationships and balances.
    • To track performance of the MSE business through MISs on various business and credit parameters like disbursements, # of accounts, fees, delinquencies, productivity and other parameters
    • To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • To identify products, segments and markets for the MSE segment to focus on.
    • To formulate product programs, new products and policies to enable growth of the MSE business in line with the objectives of the business
    • Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.
    • To track performance of the MSE business through MISs on various business and credit parameters like disbursements, # of accounts, fees, PAR, NPAs, productivity and other parameters
    • To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
    • To drive the liability strategy and plan for the MSE business in terms of growth in liability relationships and balances.
    • To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
    • Drive the Digital lending business of MSE
    • Initiate engagements with Fintech, technology companies, analytics companies, Payment solutions firms, and other similar companies for potential tie-ups for digital lending
    • Enable tie-ups and partnerships for digital lending or evaluate the possibilities for digital lending by the Bank independently for the MSE segment
    • Support the MSE business team to achieve the business numbers for the year
    • To prepare and finalise yearly business plans in discussion with the Business Head, regional heads, Finance and strategy teams
    • To chart out the long term 3-4 years plans for the business in consultation with various stakeholders.
    • To develop performance metrics for driving performance of the team members.
    • To design contests and other marketing activities to drive performance of the business unit
  • Customer :

    • To regularly visit customers and use customer insights to develop products and processes for better customer satisfaction
    • To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
    • To streamline processes to ensure improvement in TATs and timely delivery of financial services to customers.
    • To segment customers based on various parameters and identify various approaches for growing the relationships and develop cross-sell opportunities.
    • Engage with Customer and staff to understand the customer and field staff requirements while framing the policies and processes
  • Internal process :

    • To visit front-end teams regularly and take feedback on processes and products to identify pain points that need to be addressed.
    • To identify areas of process improvement and develop plans to improve processes in a time bound manner.
    • To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
    • To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements
    • To ensure that the processes are compliant with internal and external audit requirements and RBI/other regulatory
  • Learning & Performance :

    • Ensuring that all the employees across the regions are trained on products and processes.
    • For any new product program and processes being introduced, communicate and train the business and credit teams
    • Collaborate with training & development team to design & execute training programs on Credit Policies and Processes, Supervision, Collections and Analytics
    • Identify training needs to support the business and Provide the training with good resources
    • Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
    • Pursue the Executive Programs and Relevant Courses to the team and for the self
    • Interact with People in the industry to bring best practices being followed in the sector
    • Attend Seminars, Summits and Conferences in order to enhance the overall knowledge and to be updated about the industry
    • Provide Growth opportunities to team members to cross learning and mentoring talent
  • Desired Qualification :

    • CA/MBA or equivalent
  • Desired Experience :

    • Extensive expertise of around 10-15 years in handling MSME / Agri Products, managing business /credit for MSME, Loan against property and / or Business Loans.
Apply

Housing Loan

Regional Business Manager - Housing (East)

  • Job Title : Regional Business Manager - Housing (East)

  • Location : : Regional Office - Kolkata

  • Job Summary :

    • The Regional Business Manager - Housing for East Region (based out of Kolkata) is responsible for the overall performance of the portfolio in his/her region in terms of results and targets set as well as for the correct implementing the established operational procedure of the Secured loans program, encouraging and supervising the team’s productivity, thus achieving the pre-established monthly and yearly goals.
    • Regular and continuous coordination and communication with other departments such as product, credit, operations, IT and HR are fundamental to ensure compliance with results, policies and norms established as well as the development and adjustments of products, marketing strategies, procedures and reporting tools.
  • Graduation :

    • Graduation in Business Administration, Finance or Equivalent.
  • Experience :

    • 10 years of experience as zonal/ area or regional manager in NBFCs/Banks in Housing or SME Lending
    • At least 5 year experience in managing successful commercial teams of officers and Managers
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • Oversees the performance of the loans portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity (loans disbursed per month)
    • Monitor for slippages and suggest alternate measures as required
    • Developing objectives and strategies for the region that are required to set up Secured Loans Business
    • Developing annual budgets for the region (for secured loans) and ensuring that the same is implemented as approved
    • Track the portfolio for growth and profitability ( Numbers and Yield)
    • Target to improve market share by New customer acquisition
    • Ensure adequate marketing activities to build a Brand
    • Ensure adequate number of leads for cross sell of liability and / or Third Party Products
  • Customer :

    • Ensure customers are educated about all products/services offered by Ujjivan.
    • Ensure lower customer attrition by providing different products as per customer requirement
    • Resolving conflicts and negotiating with others by handling complaints, settling disputes and resolving grievances maintain/improve SQ level
    • Portfolio retention and cross sell and up sell product to the existing customers
    • Adequate contact and monitoring of performance for Legal / Technical vendors
  • Internal process :

    • Track and Maintain the portfolio health – Quality underwriting and efficient collection management
    • 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.
  • Learning & Performance :

    • Ensure that all members of his/her 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 reportees
    • Developing and building teams by building and nurturing mutual trust, respect and imparting trainings for their capability building
    • Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Manage attrition of the team by implementing required retention measures
  • Role Requirements :

    • Ability to create teams and drive sales performance. Will be required to take complete ownership of secured loan at sub-regional level.
    • Ability to engage with customers, colleagues and agencies providing valuation and legal opinion. Plan and execute Marketing and Sales promotion for Secured Business Loan.
    • Characteristics of Entrepreneurial Behavior – Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market.
    • In depth knowledge of Secured lending – HL. LAP, Term lending
    • in-depth understanding of nuances of Retail Lending business
Apply

Regional Business Manager - Housing (North)

  • Job Title : Regional Business Manager

  • Job Summary :

    • The Regional Business Manager - Housing for North Region (based out of Delhi) is responsible for the overall performance of the portfolio in his/her region in terms of results and targets set as well as for the correct implementing the established operational procedure of the Secured loans program, encouraging and supervising the team’s productivity, thus achieving the pre-established monthly and yearly goals.
    • Regular and continuous coordination and communication with other departments such as product, credit, operations, IT and HR are fundamental to ensure compliance with results, policies and norms established as well as the development and adjustments of products, marketing strategies, procedures and reporting tools.
  • Graduation:

    • Graduation in Business Administration, Finance or Equivalent.
  • Experience:

    • 10 years of experience as zonal/ area or regional manager in NBFCs/Banks in Housing or SME Lending
    • At least 5 year experience in managing successful commercial teams of officers and Managers
  • PRIMARY RESPONSIBILITIES :

  • Business

    • Oversees the performance of the loans portfolio of his/her region by area and branch in terms of growth (amount and client base) and productivity (loans disbursed per month)
    • Monitor for slippages and suggest alternate measures as required
    • Developing objectives and strategies for the region that are required to set up Secured Loans Business
    • Developing annual budgets for the region (for secured loans) and ensuring that the same is implemented as approved
    • Track the portfolio for growth and profitability ( Numbers and Yield)
    • Target to improve market share by New customer acquisition
    • Ensure adequate marketing activities to build a Brand
    • Ensure adequate number of leads for cross sell of liability and / or Third Party Products
  • Customer

    • Ensure customers are educated about all products/services offered by Ujjivan.
    • Ensure lower customer attrition by providing different products as per customer requirement
    • Resolving conflicts and negotiating with others by handling complaints, settling disputes and resolving grievances maintain/improve SQ level
    • Portfolio retention and cross sell and up sell product to the existing customers
    • Adequate contact and monitoring of performance for Legal / Technical vendors
  • Internal Process

    • Track and Maintain the portfolio health – Quality underwriting and efficient collection management
    • 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.
  • Learning and 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 reportees
    • Developing and building teams by building and nurturing mutual trust, respect and imparting trainings for their capability building
    • Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees
    • Manage attrition of the team by implementing required retention measures
  • Role Requirements :

    • Ability to create teams and drive sales performance. Will be required to take complete ownership of secured loan at sub-regional level.
    • Ability to engage with customers, colleagues and agencies providing valuation and legal opinion. Plan and execute Marketing and Sales promotion for Secured Business Loan.
    • Characteristics of Entrepreneurial Behavior – Ability to plan, set goals, initiative, persistence, self-discipline, capacity to take risks, produce support networks and assess the market.
    • In depth knowledge of Secured lending – HL. LAP, Term lending
    • in-depth understanding of nuances of Retail Lending business
Apply

National Product Manager - Housing (Corporate)

  • Job Title : National Product Manager - Housing (Corporate)

  • Location : Banglore

  • Job Summary :

    • Drive RPM to identify products, segments and markets for the Housing segment to focus on.
    • Make RPM formulate area / location specific product programs and policies for growth of the Housing business in line with the objectives set.
    • To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
    • To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements.
    • To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
    • To assess and support plans for digital lending initiatives in the Housing business
    • Undertaking periodic review of the business P&L, identify areas of good performance and improvement, and propose corrective action to ensure budgets and return ratios are met in line with plans for the Housing business.
    • To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
    • To Drive RPM in engaging cross sell of products along with Housing loans.
    • To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, delinquencies, productivity and other parameters
    • To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
  • PRIMARY RESPONSIBILITIES :

  • Business :

    • To identify products, segments and markets for the housing loan segment to focus on.
    • To formulate product programs, new products and policies to enable growth of the Housing business.
    • Drive the implementation of new policies & amendments through proper communication/training to all relevant stakeholders in the organization.
    • To track performance of the Housing business through MISs on various business and credit parameters like disbursements, # of accounts, fees, PAR, NPAs, productivity and other parameters
    • To review income plans and identify additional sources of revenues and fee income to drive overall profitability of the business.
    • To work closely with marketing to develop various marketing schemes and marketing campaigns to enable growth of business
    • Drive the Digital lending business of Housing
    • Initiate engagements with Fintech, technology companies, analytics companies, Payment solutions firms, and other similar companies for potential tie-ups for digital lending
    • Support the Housing Business team to achieve the business numbers for the year
    • To prepare and finalise yearly business plans in discussion with the Business Head, regional heads, Finance and strategy teams
    • To chart out the long term 3-4 years plans for the business in consultation with various stakeholders.
    • To develop performance metrics for driving performance of the team members.
    • To design contests and other marketing activities to drive performance of the business unit
    • Keep abreast with latest in Housing loan space with respect to legal and technical aspects and bring that to implementation.
    • To work along credit team to asses vendors
  • Customer :

    • To regularly travel, visit customers, meet connectors and builders and use insights to develop products and processes for better customer satisfaction
    • To develop analytical tools for identifying customers for growing relationships and improving customer stickiness.
    • To streamline processes to ensure improvement in TATs and timely delivery of financial services to customers.
    • To liaise with other business for cross sell opportunities available internally.
    • To work with RBM for rationalise team strength at locations for maximising productivity.
    • Engage with Customer and staff to understand the customer and field staff requirements while framing the policies and processes
  • Internal process :

    • To visit front-end teams regularly and take feedback on processes and products to identify pain points that need to be addressed.
    • To identify areas of process improvement and develop plans to improve processes in a time bound manner.
    • To streamline processes in order to achieve seamless roll out of products and enhance customer responsiveness.
    • To undertake projects and lead cross functional teams for IT related projects to provide solutions for various process improvements
    • To ensure that the processes are compliant with internal and external audit requirements and RBI/other regulatory compliances
    • To set up customer grievance cell as part of housing vertical.
  • Learning & Performance :

    • Ensuring that all the employees across the regions are trained on products and processes.
    • For any new product program and processes being introduced, communicate and train the business and credit teams
    • Collaborate with training & development team to design & execute training programs on Credit Policies and Processes, Supervision, Collections and Analytics
    • Identify training needs to support the business and Provide the training with good resources
    • Ensure goal-setting, midyear review and annual appraisal process happens within specified timelines for self and reportees
    • Pursue the Executive Programs and Relevant Courses to the team and for the self
    • Attend Seminars, Summits and Conferences in order to enhance the overall knowledge and to be updated about the industry
    • Provide Growth opportunities to team members to cross learning and mentoring talent
  • Graduation :

    • CA/MBA or equivalent
  • Experience :

    • Extensive expertise of around 10-15 years in handling Products/Sales /Credit in any PL / BL / LAP /HL.
Apply

Group and Individual Loan

Loan officer (East)

  • Job Title : Loan officer

    • Any Graduate with 0 -3 years of experience , Age between 21 to 28 years
    • Must have two wheeler
    • Carries out the pre and post-loan activities related to the Individual loans, -acquisition of new clients and maintenance of renewal clients, financial analysis, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
    • Provides a quick and timely service to the clients, making sure that the client's expectative are fulfilled whenever is possible.
    • Makes a close follow up of the disbursed loans, especially of the ones not paying on time – Loan Utilization Check
Apply

Loan officer (West)

  • Job Title : Loan officer

    • Any Graduate with 0 -3 years of experience , Age between 21 to 28 years
    • Must have two wheeler
    • Carries out the pre and post-loan activities related to the Individual loans, -acquisition of new clients and maintenance of renewal clients, financial analysis, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
    • Provides a quick and timely service to the clients, making sure that the client's expectative are fulfilled whenever is possible.
    • Makes a close follow up of the disbursed loans, especially of the ones not paying on time – Loan Utilization Check
Apply

Loan officer (North)

  • Job Title : Loan officer

    • Any Graduate with 0 -3 years of experience , Age between 21 to 28 years
    • Must have two wheeler
    • Carries out the pre and post-loan activities related to the Individual loans, -acquisition of new clients and maintenance of renewal clients, financial analysis, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
    • Provides a quick and timely service to the clients, making sure that the client's expectative are fulfilled whenever is possible.
    • Makes a close follow up of the disbursed loans, especially of the ones not paying on time – Loan Utilization Check
Apply

Loan officer (South)

  • Job Title : Loan officer

  • Location : Ahmedabad, Vadodara, Mumbai

    • Any Graduate with 0 -3 years of experience , Age between 21 to 28 years
    • Must have two wheeler
    • Carries out the pre and post-loan activities related to the Individual loans, -acquisition of new clients and maintenance of renewal clients, financial analysis, presenting the loan applications to the Sanctioning Committee, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
    • Provides a quick and timely service to the clients, making sure that the client's expectative are fulfilled whenever is possible.
    • Makes a close follow up of the disbursed loans, especially of the ones not paying on time – Loan Utilization Check
Apply

Customer Relationship Officer (East)

  • Job Title : Customer Relationship Officer

    • Any graduate
    • Should be able to communicate in local language
      • Identify and conduct surveys of new working areas for group formation.
      • Conduct projection meeting and form groups
      • Conduct Compulsory Group Training of Groups
      • Fill relevant profile forms with 100% accuracy and collect supporting documents.
      • Make Customer House visits and cross verify the household assets details furnished by the customer.
      • Conduct Center meeting as per scheduled time and day without fail and maintain above 95% customer attendance.
      • Manage the total loans given out to customer.
      • Fill loan application form necessary documents for loan disbursement.
      • Conduct 100% loan utilization check within 7 days from the day of disbursement.
      • Motivate the customer for on time loan repayment.
      • Monitor the customer for better control over the program.
      • Retain customers & minimize dropouts.
      • Promptly resolve all enquiries & complain of Customer.
      • Maintain good relationship with customers and local people to improve the program.
Apply

Customer Relationship Officer (West)

  • Job Title : Customer Relationship Officer

    • Any graduate
    • Should be able to communicate in local language
      • Identify and conduct surveys of new working areas for group formation.
      • Conduct projection meeting and form groups
      • Conduct Compulsory Group Training of Groups
      • Fill relevant profile forms with 100% accuracy and collect supporting documents.
      • Make Customer House visits and cross verify the household assets details furnished by the customer.
      • Conduct Center meeting as per scheduled time and day without fail and maintain above 95% customer attendance.
      • Manage the total loans given out to customer.
      • Fill loan application form necessary documents for loan disbursement.
      • Conduct 100% loan utilization check within 7 days from the day of disbursement.
      • Motivate the customer for on time loan repayment.
      • Monitor the customer for better control over the program.
      • Retain customers & minimize dropouts.
      • Promptly resolve all enquiries & complain of Customer.
      • Maintain good relationship with customers and local people to improve the program.
Apply

Customer Relationship Officer (North)

  • Job Title : Customer Relationship Officer

    • Any graduate
    • Should be able to communicate in local language
      • Identify and conduct surveys of new working areas for group formation.
      • Conduct projection meeting and form groups
      • Conduct Compulsory Group Training of Groups
      • Fill relevant profile forms with 100% accuracy and collect supporting documents.
      • Make Customer House visits and cross verify the household assets details furnished by the customer.
      • Conduct Center meeting as per scheduled time and day without fail and maintain above 95% customer attendance.
      • Manage the total loans given out to customer.
      • Fill loan application form necessary documents for loan disbursement.
      • Conduct 100% loan utilization check within 7 days from the day of disbursement.
      • Motivate the customer for on time loan repayment.
      • Monitor the customer for better control over the program.
      • Retain customers & minimize dropouts.
      • Promptly resolve all enquiries & complain of Customer.
      • Maintain good relationship with customers and local people to improve the program.
Apply

Customer Relationship Officer (South)

  • Job Title : Customer Relationship Officer

    • Any graduate
    • Should be able to communicate in local language
      • Identify and conduct surveys of new working areas for group formation.
      • Conduct projection meeting and form groups
      • Conduct Compulsory Group Training of Groups
      • Fill relevant profile forms with 100% accuracy and collect supporting documents.
      • Make Customer House visits and cross verify the household assets details furnished by the customer.
      • Conduct Center meeting as per scheduled time and day without fail and maintain above 95% customer attendance.
      • Manage the total loans given out to customer.
      • Fill loan application form necessary documents for loan disbursement.
      • Conduct 100% loan utilization check within 7 days from the day of disbursement.
      • Motivate the customer for on time loan repayment.
      • Monitor the customer for better control over the program.
      • Retain customers & minimize dropouts.
      • Promptly resolve all enquiries & complain of Customer.
      • Maintain good relationship with customers and local people to improve the program.
Apply
Internships

Internships

Ujjivan Financial Services Ltd. is a micro-finance NBFC which provides financial services to urban and semi-urban economically active poor women across India.

Under the Internship Program an Intern may be asked to get involved in a project based on their area of interest and/or expertise. This gives the interns an opportunity to get involved in a project that can help them gain some valuable knowledge and a chance to interact with the people at the grass root level. In addition, if an intern is interested in supporting Ujjivan in some manner or wants to work with Ujjivan as an employee, then he/she can apply for the same. An intern can apply for the internship at any time during the year.

How to Apply

  1. Read the Ujjivan Internship Policy for details (Click here to download)
  2. Check Internship Projects for details of departments/areas where internships are available
  3. Check the projects outlined below for details of departments/areas where internships are available
  4. Fill up the internship application form with details of the project that interests you. (Please choose an area in which openings would be available during your planned internship, as per internship details available on the website)
  5. Draft a cover letter outlining your interest in Ujjivan and the internship position.
  6. Please submit the following:
    • Cover Letter
    • Resume
    • Internship Application (Click here to download the form)
  7. Apply by email stating the area of internship applied for in subject line: hr.blr@ujjivan.com

Foreign Applicants

International applicants must have a valid visa. Ujjivan does not assist with visa applications. Telephone interviews will be conducted as part of the final selection process

Internship Projects

Currently no projects available