MEL Executive- Purnia @ Arohan Financial

Job Description

Dear Candidate,
Greetings of the day!!

We are Hiring for the profile MEL Executive.

JOB DETAILS
Position title: MEL Executive
Department: Inorganic Business
Reports to: Branch Head
Location: Branch
Grade: Executive

JOB SUMMARY
MEL 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 RESPONSIBILITES

Business development 40%
Credit sourcing and assessment 20%

KEY RESPONSIBILITES

Repayment 30%
MIS entry 5%
Other activities of branch 5%

Job Profile
Business development
1. Conducts survey to identify potential clients in the assignedoperational geography
2. Identify new business location though area survey

Credit sourcing and assessment
1. Trains customers about terms and condition of loanandArohan policy
2. Collects loan documents as per KYC policy and checksthemagainst originals
3. Conducts physical verification of applicant as per policy
4. Fills loan forms properly based on physical verificationanddiscussion with clients, and files them

Credit disbursement
1. Fills up loan documents (pronote, mutual agreement, loanrepayment book) ready before time of loan disbursement
2. Assists Branch Head in disbursement and loan processing fee collection

Repayment
1. Collects repayment amount as per due schedule
2. Deposits all collected repayment amount (if collectedincash)in the bank every day.

Overdue management
1. Follows up with overdue customers and collects overdue

MIS entry
1. Makes repayment and overdue collection data entry in MIS

Portfolio and risk management
1. Take preventive (proper physical verification, loanappraisal and curative (overdue follow up) measures to maintainhighquality portfolio
2. Keeps a regular track of overdue clients and reasonsforoverdue

Organizational Competency

Planning
1. Work with objectives and set targets
2. Prepares work plan and sets targets for oneself
3. Measures progress against targets and revises work planaccordingly
4. Provides feedback of performance to supervisor
5. Balances quality of work with meeting deadlines andbudget constraints
6. Coordinates work plans with others to accomplish common objectives
7. Anticipate problems and issues, and responds to themaccordingly

Organizational perspective
1. Connects work to the overall mission of the organization
2. 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 organization
2. Liasions with Credit Officer for smooth processing of loans.
3. Works effectively as a member of a team
4. Builds credibility and trust with colleagues and superiors, particularly with branch staff
5. Listens to employees and provides solution and advice

Decision making and problem solving
1. Anticipates problems and issues, and shares with BH accordingly
2. Gathers information to identify issues and possible solutions for problems that affect the team/department
3. Demonstrates capacity for inductive and deductive problemsolving on key issues, using past experience and technical knowledge in identifying appropriate solutions
4. Makes decisions in a timely manner and assumes joint responsibility for end-results
5. Implements solutions within the proper scope of authority
6. Ensures that all parties involved in and affected by decisionsmade are properly informed

Knowledge Of relevant technology
1. Uses relevant technology and equipment (computers, software) to enhance own learning and improve productiveness and quality of service
2. Mentors others in the use of tools and technology.

Personal Competency

1. Provides support to others in accomplishing their work
2. Takes responsibility of own work and team

Teamwork
1. Works in a team
2. Builds strong relationship within the team
3. Maintains good relationships with colleagues
4. Considers others views with respect and dignity is willingtoadjust and is flexible about ones own views in order toreachconsensus and agreement within the team

Hard work and commitment
1. Pursues all efforts to accomplish tasks and objectivesaccording to agreed timetables and specifications
2. Translates commitment into action

Transparency and integrity
1. Shares accurate and on-time information with supervisors
2. Follows Arohans core values and adheres to code of ethicspolicy
3. Practices transparency and openness to ones ideas andfeelings
4. Maintains trust among team; shows consistency in thought and action
5. Honours confidentiality of sensitive information withregard to clients, documents and other confidential matters

Note: 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 department

QUALIFICATION, EXPERIENCE, SKILLS
Minimum Qualifications: Graduation
Minimum Experience: 2 years (MFI/ NBFC/ CASA/ Credit Card/ LI/GI/Mutual Funds/Retail
Assets experience will be considered)
Desired Skill: Good communication and interpersonal skills

Employement Category:

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Keyskills:   business development business loan small business lending working capital mis credit analysis overdue management credit sourcing credit disbursement