1. Business Growth

• Identify new MSME/ small business enterprises in the assigned area. Assess their loan requirements based on customer need and present appropriate loan proposals to the credit committee for approval.
• Develop and analyze financial statements of the MSMEs in order to access the financial soundness of the business and his repayment capacity.
•  Conduct loan appraisal, collect and verify detailed information (personal, business, guaranties and collateral pertaining to MSMEs) to open new MSME loan accounts.
•  Prepares and execute loan contracts and arrange for disbursement of loan.
•  Receive feedback of MSME clients for product enhancements and new product requirements.
• Gain insight on competitor\'s product offerings for MSME clients and provide feedback to the line manager.
• Cross-sell other KMBL products to clients, especially liability products.

2. Service Quality

• Maintain good relationship with MSME clients and promptly address their queries.
• Meet internal service standards and ensure no service related complaints are received from customers.

3. Portfolio Management

• Monitor MSME loans and ensure timely repayment.