Assistant Unit Manager - Personal Loans

About the role

This position is for a Rural Assistant Unit Manager in the Personal Loans function. The role sits within the Rural department and reports to the Unit Manager. It is focused on building and maintaining a strong group-lending portfolio, supporting customer acquisition, and ensuring disciplined loan operations in the field.

Key responsibilities

• Carry out credit checks and make sure every group formed has the required checks completed.
• Take part in marketing and branding activities whenever needed.
• Source customers and support their training.
• Help create and sustain a high-quality lending portfolio, including involvement in CPVs and GRTs for customer selection.
• Support collection discipline by attending 4 to 5 center meetings each day and following up on delayed payments with the GCO.
• Assist in cash reconciliation at the end of the day and monitor cash management activities.
• Perform regular house checks and verify end use.
• Lead daily GCO huddles, address operational issues, and support branch administrative work as required.
• Track GCO productivity and help improve performance through monitoring and guidance.
• Support the training and development of GCOs and contribute to their career growth.
• Identify risks affecting the loan portfolio, including economic, social, political, and environmental factors, and help maintain portfolio quality and diversification.
• Work to improve customer satisfaction by delivering strong service and reducing dropouts.
• Handle customer queries and ensure they are resolved within the expected turnaround time.
• Ensure center meetings, collections, and disbursements happen according to process.
• Maintain required registers, follow statutory requirements, and support branch hygiene standards.

Performance expectations

• Acquire new customers and support growth in funded volume.
• Improve collections percentage and maintain low NCL levels.
• Support disbursement volumes and customer-focused operations.
• Keep attrition low and help team members progress to the next level.
• Minimize escalations from the team and coordinate with GCOs for smooth collections and disbursements.
• Follow process standards consistently across disbursement, collections, record keeping, and branch operations.
• Maintain RCR rating or grade as required and ensure overall branch discipline.

Required skills and attributes

• Strong communication skills for dealing with customers and the public.
• Analytical thinking and sound judgment for decisions based on both data and field inputs.
• Ability to work independently with minimal supervision.
• Good relationship-building, customer service, and interpersonal skills.
• Leadership ability with experience managing people directly and indirectly at different levels.
• Capability to prioritize work, multitask, delegate, and solve problems proactively.
• Self-driven mindset with the ability to build a customer base and a team.
• High discipline and a process-first approach.
• Willingness to spend most of the time in the field.
• Rural market knowledge and understanding of local conditions.

Experience and education

The role requires at least 4 years of relevant experience in the rural market, including 2 years in a supervisory position. Candidates should be 12th pass or graduates. Any graduate can apply.

Additional information

The organization emphasizes employee growth, workplace engagement, physical well-being, safety, and support for employees and their dependents. A clear career path is provided to help employees grow alongside the company.

Span of control

The role supervises 4 employees across the listed grade ranges.