MEL Executive- Lucknow

Job Description

Dear Candidate,Greetings of the day!We are Hiring for the profile MEL Executive.JOB DETAILSPosition title: MEL ExecutiveDepartment: Inorganic BusinessReports to: Branch HeadLocation: BranchGrade: ExecutiveJOB SUMMARYMEL Executive is responsible for achieving business target from Micro Enterprise and ensuring repayment of his portfolio. To fulfil the responsibilities, the MEL Executive conducts bazaar/areasurvey, new customer acquisition, physical verification of client and household, disbursement of loan, repayment and overdue collection, MIS entry in MIS, proper documentation. Besides this MEL Executive assists Branch Head in branch administration and daily branch related banking transaction. Other key responsibilities include building strong client relationship and maintaining relationship with local key person such as representative of bazaar samity, municipality gram panchayat, other opinion leaders. While performing the above responsibilities, the MEL Executive must follow Arohans corevalues,code of ethics and other institutional policies.KEY RESPONSIBILITESBusiness development 40%Credit sourcing and assessment 20%KEY RESPONSIBILITESRepayment 30%MIS entry 5%Other activities of branch 5%Job ProfileBusiness development1. Conducts survey to identify potential clients in the assignedoperational geography2. Identify new business location though area surveyCredit sourcing and assessment1. Trains customers about terms and condition of loanandArohan policy2. Collects loan documents as per KYC policy and checksthemagainst originals3. Conducts physical verification of applicant as per policy4. Fills loan forms properly based on physical verificationanddiscussion with clients, and files themCredit disbursement1. Fills up loan documents (pronote, mutual agreement, loanrepayment book) ready before time of loan disbursement2. Assists Branch Head in disbursement and loan processing fee collectionRepayment 1. Collects repayment amount as per due schedule2. Deposits all collected repayment amount (if collectedincash)in the bank every day.Overdue management 1. Follows up with overdue customers and collects overdueMIS entry 1. Makes repayment and overdue collection data entry in MISPortfolio and risk management1. Take preventive (proper physical verification, loanappraisal and curative (overdue follow up) measures to maintainhighquality portfolio2. Keeps a regular track of overdue clients and reasonsforoverdueOrganizational CompetencyPlanning 1. Work with objectives and set targets2. Prepares work plan and sets targets for oneself3. Measures progress against targets and revises work planaccordingly4. Provides feedback of performance to supervisor5. Balances quality of work with meeting deadlines andbudget constraints6. Coordinates work plans with others to accomplish common objectives7. Anticipate problems and issues, and responds to themaccordinglyOrganizational perspective 1. Connects work to the overall mission of the organization2. Understands related functions of department, along with its plan and anticipates possible implications of own work.Managing relationship 1. Maintains harmonious relationships with members withinand outside the organization2. Liasions with Credit Officer for smooth processing of loans. 3. Works effectively as a member of a team4. Builds credibility and trust with colleagues and superiors, particularly with branch staff5. Listens to employees and provides solution and adviceDecision making and problem solving1. Anticipates problems and issues, and shares with BH accordingly2. Gathers information to identify issues and possible solutions for problems that affect the team/department3. Demonstrates capacity for inductive and deductive problemsolving on key issues, using past experience and technical knowledge in identifying appropriate solutions4. Makes decisions in a timely manner and assumes joint responsibility for end-results5. Implements solutions within the proper scope of authority6. Ensures that all parties involved in and affected by decisionsmade are properly informedKnowledge Of relevant technology1. Uses relevant technology and equipment (computers, software) to enhance own learning and improve productiveness and quality of service2. Mentors others in the use of tools and technology.Personal Competency1. Provides support to others in accomplishing their work2. Takes responsibility of own work and teamTeamwork 1. Works in a team2. Builds strong relationship within the team3. Maintains good relationships with colleagues4. Considers others views with respect and dignity is willingtoadjust and is flexible about ones own views in order toreachconsensus and agreement within the teamHard work and commitment 1. Pursues all efforts to accomplish tasks and objectivesaccording to agreed timetables and specifications2. Translates commitment into actionTransparency and integrity 1. Shares accurate and on-time information with supervisors2. Follows Arohans core values and adheres to code of ethicspolicy3. Practices transparency and openness to ones ideas andfeelings4. Maintains trust among team; shows consistency in thought and action5. Honours confidentiality of sensitive information withregard to clients, documents and other confidential mattersNote: In addition to the above, under special circumstances, you may be given additional responsibilities as per business requirement after full communication and discussion withyou.PERFORMANCE INDICATORS Business target vs. Achievement Portfolio quality Internal control findings Feedback from reporting officer Feedback from colleagues and other departmentQUALIFICATION, EXPERIENCE, SKILLSMinimum Qualifications: GraduationMinimum Experience: 2 years (MFI/ NBFC/ CASA/ Credit Card/ LI/GI/Mutual Funds/RetailAssets experience will be considered)Desired Skill: Good communication and interpersonal skills

Keyskills :
business loanmiscredit analysisworking capitalsmall business lendingbusiness developmentoverdue managementcredit sourcing