Business Development

• Source new Joint Liability Group (JLG) customers in assigned villages and locations.
• Conduct village surveys and identify potential borrower groups.
• Achieve monthly and annual disbursement targets.
• Cross-sell insurance and other financial products to existing customers.

Customer Relationship Management

• Build and maintain strong relationships with customers and community leaders.
• Educate customers on loan products, repayment schedules, and company policies.
• Address customer queries and resolve service-related issues promptly.

Credit Assessment

• Conduct customer verification and field investigations.
• Assess borrowers' repayment capacity and eligibility.
• Collect and verify required KYC and income-related documents.
• Ensure compliance with credit guidelines and operational policies.

Loan Disbursement & Monitoring

• Facilitate timely loan processing and disbursement.
• Monitor loan utilization and customer activities.
• Maintain accurate customer records and loan documentation.

Collections & Portfolio Management

• Ensure timely collection of loan installments.
• Follow up on overdue accounts and minimize delinquency.
• Maintain portfolio quality within prescribed norms.
• Support recovery efforts for non-performing accounts.

Administrative & Compliance Activities

• Prepare daily field visit reports and collection reports.
• Ensure adherence to RBI regulations and internal policies.
• Participate in branch meetings and training programs.
• Maintain confidentiality of customer information.

Required Qualifications

• Graduate in any discipline (preferred).
• Freshers or candidates with 1-3 years of experience in Microfinance, Banking, NBFC, or Financial Services.

Required Skills

• Customer relationship management.
• Field sales and collection skills.
• Communication and negotiation abilities.
• Basic knowledge of lending and credit assessment.
• Ability to work in rural and semi-urban markets.
• MS Excel and basic computer knowledge.
• Teamwork and problem-solving skills.

Key Performance Indicators (KPIs)

• Loan disbursement achievement.
• New customer acquisition.
• Portfolio Outstanding (POS).
• Portfolio at Risk (PAR).
• Collection efficiency.
• Cross-sell income generation.
• Customer retention and satisfaction.

Preferred Experience

• Experience with JLG lending, microfinance operations, collections, and rural customer engagement.
• Knowledge of local geography and language.