Job Description

Job TitleIndividual Relationship OfficerFunction / DepartmentRuralDepartment HeadRural HeadReporting ManagerUnit Manager
Purpose of the Job:

Collecting repayment on the fields
Making recent customers

Describe the KPIs against each perspective

PerspectiveKey Performance IndicatorsBusiness and Financial Management- Target vs Achievement on Units & Volume
- Delivery in Volume
- Collections quality (collected versus demand)
- Delinqueny
- Disbursal amount
- Insurance attachment rate
Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc.
- Demonstrated potential to take initiative in building a growing customer base and team
SCOPE & DISCRETION (Span of control)

Total no. of employees supervised with details

GradeO1 to 04M1 to M3SM1 to SM3Nos.
Total :

Sr. No.Direct Reportees
(functional title/role title)Indicate brief job purpose1 2

Self deliverables

The most important tasks performed on an individual basis without involving subordinates are

Sr. NoTask performed1

- Sourcing customers: IRO is responsible for meeting with prospects, understanding their needs, generating leads, following up the leads for interested prospects
- Running required credit checks:



IRO is responsible for filling sourcing sheets of interested customers; for collecting required KYC documents; verifying the KYC documents; for conducting cash flow analyses; and for running business and residential CPVs.
- Collecting repayments on the field: IRO is responsible for the overall portfolio quality - collecting on field repayments; and for managing non-repayment by customers.
- Participating in marketing and branding events: As necessary.

Other factors relevant to the job
Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)

Sr. NoOther relevant factors (Required Skills)1 2 Extremely disciplined and process-oriented
Able and willing to spend majority of time in the field
¢ Ability to work with minimal direction (self-starter)
¢ Good interpersonal, relationship management, customer service, and rapport building skills.
¢ Ability to prioritize, multi-task, delegate, and proactively resolve problems
¢ Demonstrated potential to take initiative in building a growing customer base and team
3 4
Expertise required/ Domain Knowledge:
¢ Ability to read and write in regional language; knowledge of basic English a bonus
¢ Prefer individuals who own bikes

No. of years of relevant experience: : Freshers may be taken. However experienced candidates will be preferred with exp in collections / products like Personal loans, Two Wheeler loans, Car Loans, Insurance products

Any specific specialization/education:: 10th /12th pass minimum; graduates

📌 Individual Relationship Officer - Personal Loans (Chilakaluripet)
🏢 SMFG INDIA CREDIT
📍 Chilakaluripet