Banking

Company Description Utkarsh Small Finance Bank Limited (USFBL), incorporated in 2016, provides banking and financial services with a strong focus on underserved and unserved communities across India. The Bank’s lending activities are primarily concentrated in rural and semi-urban areas, while deposit mobilization and other services span the entire country. Building on its legacy as Utkarsh Micro Finance Limited, the Bank offers microfinance and a wide range of retail and wholesale lending products, including MSME, housing, personal, commercial vehicle, and construction equipment loans. USFBL also provides comprehensive digital services such as Internet and Mobile Banking, online account opening, and ATM/Micro ATM networks to enhance customer accessibility and convenience. The Bank is headquartered in Varanasi, Uttar Pradesh, and continues to expand its presence through customer-centric, inclusive banking solutions.

Role Description This is a full-time, on-site banking role based in Kolkata. The role involves assisting customers with account-related queries, transactions, and digital banking services while ensuring a high standard of service and compliance with bank policies. Responsibilities include evaluating customer credit requirements, supporting the processing of loan and insurance products, and maintaining accurate records and documentation. The role also requires close coordination with internal teams to support branch operations, promote banking products, and contribute to business growth in the local market. The individual will be expected to follow regulatory guidelines, manage risk prudently, and uphold the bank’s commitment to financial inclusion.

Qualifications

Candidates should possess strong Finance and Credit skills, including basic understanding of lending products, risk assessment, and banking operations.Candidates should possess excellent Communication and Customer Service skills to interact effectively with diverse customers and resolve queries professionally.Candidates should possess knowledge of Insurance products and related banking services to support cross-selling and customer education.Candidates should possess proficiency with digital tools and banking systems, including core banking software and standard office applications.Relevant academic qualification such as a bachelor’s degree in Commerce, Finance, Business Administration, or a related field is preferred.Prior experience in retail banking, microfinance, or financial services, especially in rural or semi-urban segments, will be an advantage.Strong ethical standards, attention to detail, and ability to work in a target-driven, regulatory-compliant environment are essential.