Business Growth (60%)

•  Implements activities related to enrolment of potential MSME loan borrowers, advising to Bank’s customers on the issues related to loan types and lending terms.
•  Develops and analyzes socio-economic and financial statements (cash flow, income statement etc) of the customer in order to access the financial soundness of the business and his repayment capacity.
•  Summarizes necessary documents due to enrolment in loan issue and prepares loan packages.
•  Submits loan applications for consideration to defined line management as per set TATs.
•  Gains insight on competitor’s product offerings for MSME clients and provide feedback to the line manager
• Portfolio Management (30%)
•  After provision of the loan, implements its monitoring in compliance with internal legal regulations of the Bank until the whole maturity of the loan.
•  Maintains continuous contact with MSME clients so that loan and repayment is recovered on timely basis or through other elements included in Telenor bank’s distribution channel.
•  Implements supervision over loan portfolio serviced by position holder. In case of the existence of a problematic loan undertakes measures for disclosing and resolving the problem, after consulting with line management with in branch or region or head office level.
•  Execute identification within the framework, monitoring of the clients and carry out other activities stipulated by the internal regulations of the Bank.
•  Collect recoveries and increase non cash recoveries using easy paisa channels.
• Compliance (10%)
•  Conduct, complete and process MSME loan booking / documentation in strict compliance with Telenor bank’s policies, procedures and ethical standards.
•  Thoroughly review of Telenor Bank’s policy & processes to understand products and processes.
•  Implements possible risk evaluations related to lending obligations of the customer and maturity of loans.
•  Responsible for sales and recoveries without involving any outside person or activist against sharing of incentives or kickbacks.
•  Incumbent shall be responsible to adhere by Telenor Microfinance Bank behaviors (Be Respectful, Keep Promises, Always Explore and Create Together) in all aspects of his/her work conduct.