Qureos Mentor

Bandhan Bank

<div>
 
 
 About the Company
 
 
 
 
 
 
 
 
 
 Location: Banking Unit
 
 
 
 
 
 
 
 
 
 About the Role
 
 
 
 
 
 
 
 
 
 The Relationship Officer (RO) is responsible for developing and managing group loan portfolios within the assigned area. This role involves identifying new leads, forming and nurturing customer groups, ensuring efficient loan disbursement, and maintaining excellent collection standards to achieve business targets.
 
 
 
 
 
 
 
 
 
 Responsibilities
 
 
 
 
 
 
 
 
 <ul>
 <li>
 Identify prospective customers and create new groups in the designated area to expand the group loan portfolio.
 </li>
 <li>
 Conduct daily group meetings to educate and generate awareness about group loan products.
 </li>
 <li>
 Facilitate the admission of new customers into existing groups and assist them in loan application processes.
 </li>
 <li>
 Meet business targets related to group loans and ensure high collection efficiency, maintaining 100% installment collection standards.
 </li>
 <li>
 Conduct field visits to verify customer business locations, assess household income, and validate addresses.
 </li>
 <li>
 Maintain accurate and up-to-date group loan registers and documentation on a daily basis.
 </li>
 <li>
 Monitor the quality of the group loan portfolio and take proactive measures to maintain a healthy loan book.
 </li>
 <li>
 Perform thorough field verification and ensure compliance with KYC requirements prior to loan disbursement.
 </li>
 <li>
 Conduct end-use verification post-disbursement to ensure proper utilization of loans.
 </li>
 <li>
 Build and maintain strong relationships with customers to promote continued business and loyalty.
 </li>
 </ul>
 
 
 
 
 
 
 
 Qualifications
 
 
 
 
 
 
 HSC Passed
 
 
 
 
 
 
 
 
 
 Pay range and compensation package
 
 
 
 
 
 
 
 
 
 Best in Industry
 
 
 
 
 
 Exp Required - 0 to 3 Years
 
 
 
</div>

Relationship Officer

<div>
 
 
 Preferred Grade:
 
 Sr. Manager/AVP
 
 
 
 
 
 
 Job Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Periodic visits across branches as per "Monthly Review Plan" devised by ROM basis laid down ROE Checklist, publishing reports followed by ATR management. Allocated set of Branches to be covered in 90 day frequency.
 </li>
 <li>
 Conducting Premises Sweep/ verification of ATM's/Mystery shopping/ surprise cash verifications etc. and highlighting critical exceptions to senior leadership/ concerned stakeholders.
 </li>
 <li>
 Publishing the review report within 3 working days post branch visit and ensuring compliance closure of reports within 7 working days with appropriate evidences/ comments besides spot rectification where possible.
 </li>
 <li>
 Monitoring closure of reports within 7 days along with branch compliance and escalating high ageing pendency till Zonal leadership.
 </li>
 <li>
 Timely reconciliation of current account maintained with other Banks &amp; Office accounts.
 </li>
 <li>
 Guiding branches for timely updation of Authorized Signatory in OBCA post resignation and transfers, activation of Internet Banking View Rights for maximum possible accounts.
 </li>
 <li>
 Ensure that branches are timely submitting Month end reconciliation certificate along with other required data as applicable.
 </li>
 <li>
 GL Tracker for nullification (Cash in Transit, Cash in Transit ATM, Inter Branch Transfer, Inter Branch Transfer &ndash; Credit, Sundry New Acct opening Pending Clearing and INTERMEDIARY A/c for Remittance &ndash; SL).
 </li>
 <li>
 Ensuring branches are booking expenses as per DOP and are submitting control returns to cluster office within due dates.
 </li>
 <li>
 Maintaining cash of mapped branches within Cash Retention Limit (CRL) by assisting branches to explore new avenues for excess cash disposal/procurement of cash, as applicable from branches in a cost effective and consistent manner.
 </li>
 <li>
 Facilitating Currency chest linkages through RBI wherever applicable.
 </li>
 <li>
 Achievement of satisfactory Audit marks of mapped branches. Improvement of audit grade and score over and above the last audit to be taken into consideration.
 </li>
 <li>
 Ensuring adherence to operational, regulatory and statutory guidelines by branches, as communicated periodically from HO.
 </li>
 <li>
 Process improvements, identifying gaps in processes and sharing suggestions for necessary corrective measures with relevant stakeholders for action.
 </li>
 <li>
 Independent Field Verification is conducted for applicable/ doubtful cases (sampled physical AOF's cases at branch level) and synopsis submitted to HO for further actionable in this regard.
 </li>
 <li>
 To learn and enhance the competency level for self &amp; Branch Staff.
 </li>
 <li>
 Completing all e-learning module in LMS as required from time to time and securing desired score for qualification.
 </li>
 <li>
 Compiling of various data of the mapped branches as and when assigned by HO.
 </li>
 <li>
 Monitoring the availability of sufficient cash in ATM's and upload of ATM-CBR report in portal.
 </li>
 </ul>
 
 
 
 
 
 Qualifications
 
 
 
 
 
 
 Qualification: Any Graduate/ MBA
 
 
 
 
 
 
 Required Skills
 
 
 
 
 
 <ul>
 <li>
 Strong knowledge in banking operations
 </li>
 <li>
 Analytical skills
 </li>
 <li>
 Good communication skills
 </li>
 <li>
 Supervisory and leadership qualities
 </li>
 <li>
 Willingness to travel &amp; relocate
 </li>
 <li>
 Min. 5 years of working experience in branch banking operations or a similar role of an ROE in other banks.
 </li>
 </ul>
 
 
</div>

Regional Operation Executive

Join Bandhan Bank and explore 2   exciting career opportunities. They're hiring for various roles with options for remote or on-site work. Apply today and become part of their innovative team.

Bandhan Bank

ABOUT_COMPANY

Relationship Officer

Regional Operation Executive