Job Description
About Rural Lending – Microfinance
• The program aims to lend small ticket unsecured loans in the range of Rs 10k to 50k to economically active poor women individually or under Joint Liability Group (JLG).
• Short term loans giving High Returns to the Bank
About the Role
This role helps the Team at field to manage the OD customers. The specific approach towards OD reduction is the prime objective.
This position helps in OD reduction and fraud identification. The profitability and compliance are direct contribution towards the organization.
The program is presently operational across 17 States and 1 Union Territory namely Assam, Bihar, Chhattisgarh, Goa, Gujarat, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Pondicherry, Rajasthan, Sikkim, Tamil Nadu, Uttar Pradesh, Uttarakhand and West Bengal.
Skills
Key Responsibilities
o The DPD analysis and prioritization of OD resolution.
o Find out the reason of default at field and submit the report.
o The visit to OD locations and meet the borrowers.
o Attend the Morning Hurdle during Branch Visit.
o Minimum Five Branches need to be visited per month.
o All the branches need to be covered in every quarter.
o The collection of OD Accounts need to be tracked and the data base need to be maintained.
o Sharing the data with team with analysis.
o The data need to be compiled at a central location.
o The field remark need to be verified.
o The competitor analysis is there.
o Train the staffs with the practical exposure.
o Train the trainer.
o Collection Team
o Sales Team at Branches, Regions and Zones
o Branches
o Collection Audit
o The OD categorization and Certification.
o The Fraud need to be identified along with action plan to mitigate the same in future.
o The audit with regard to OD classification need to be followed.
o The DPD data analysis.
o The Compliance analysis of DPD.
o The OD Classification and Categorization.
o Field visit report analysis. Audit data mining
Qualifications
Optimal qualification for success on the job is:
• Graduate / Post Graduate
• Experience of 3+ Years and Microfinance Industry
Role Proficiencies:
For successful execution of the job, a candidate should possess the following:
• Knowledge
Knowledge of Core Microfinance Functions and Products.
Knowledge of Audit and Compliance guidelines which are being updated from time to time
Knowledge of relevant IT systems including Finacle, HRMS, INedge etc
• The program aims to lend small ticket unsecured loans in the range of Rs 10k to 50k to economically active poor women individually or under Joint Liability Group (JLG).
• Short term loans giving High Returns to the Bank
About the Role
This role helps the Team at field to manage the OD customers. The specific approach towards OD reduction is the prime objective.
This position helps in OD reduction and fraud identification. The profitability and compliance are direct contribution towards the organization.
The program is presently operational across 17 States and 1 Union Territory namely Assam, Bihar, Chhattisgarh, Goa, Gujarat, Jharkhand, Karnataka, Kerala, Madhya Pradesh, Maharashtra, Odisha, Pondicherry, Rajasthan, Sikkim, Tamil Nadu, Uttar Pradesh, Uttarakhand and West Bengal.
Skills
Key Responsibilities
o The DPD analysis and prioritization of OD resolution.
o Find out the reason of default at field and submit the report.
o The visit to OD locations and meet the borrowers.
o Attend the Morning Hurdle during Branch Visit.
o Minimum Five Branches need to be visited per month.
o All the branches need to be covered in every quarter.
o The collection of OD Accounts need to be tracked and the data base need to be maintained.
o Sharing the data with team with analysis.
o The data need to be compiled at a central location.
o The field remark need to be verified.
o The competitor analysis is there.
o Train the staffs with the practical exposure.
o Train the trainer.
o Collection Team
o Sales Team at Branches, Regions and Zones
o Branches
o Collection Audit
o The OD categorization and Certification.
o The Fraud need to be identified along with action plan to mitigate the same in future.
o The audit with regard to OD classification need to be followed.
o The DPD data analysis.
o The Compliance analysis of DPD.
o The OD Classification and Categorization.
o Field visit report analysis. Audit data mining
Qualifications
Optimal qualification for success on the job is:
• Graduate / Post Graduate
• Experience of 3+ Years and Microfinance Industry
Role Proficiencies:
For successful execution of the job, a candidate should possess the following:
• Knowledge
Knowledge of Core Microfinance Functions and Products.
Knowledge of Audit and Compliance guidelines which are being updated from time to time
Knowledge of relevant IT systems including Finacle, HRMS, INedge etc
💡 Quick Summary
Seeking a career-building opportunity? The Bharat Banking|Delinquency Audit Manager position is now open for candidates interested in the Bank Jobs sector. This role in Lucknow offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.