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Key Responsibilities

Business Development & Customer Acquisition

- Identify and onboard eligible customers for Group Loan products.
- Form and develop Joint Liability Groups (JLGs) / borrower groups as per company guidelines.
- Generate quality leads through field visits, referrals, and local market networking.
- Conduct customer awareness meetings and financial literacy sessions.
- Achieve monthly and annual loan disbursement targets.

Relationship Management

- Build and maintain robust relationships with group members and community leaders.
- Act as the primary point of contact for customers regarding loan products and services.
- Ensure high levels of customer satisfaction and retention.
- Resolve customer queries and grievances in a timely manner.

Credit Assessment

- Conduct customer profiling and field verification.
- Assess repayment capacity, business activities, and creditworthiness of borrowers.
- Collect and verify KYC and required documentation.
- Recommend eligible loan applications in line with credit policy.

Portfolio Management & Collections

- Monitor portfolio performance and repayment behavior.
- Ensure timely collection of loan installments.
- Follow up on overdue accounts and minimize delinquency.
- Maintain portfolio quality within defined risk parameters.
- Support recovery efforts for delinquent accounts.

Operations & Compliance

- Ensure compliance with RBI regulations, company policies, and audit requirements.
- Maintain accurate customer records and loan documentation.
- Update customer information in systems and MIS platforms.
- Participate in branch reviews, audits,



and training programs.

Market Intelligence

- Monitor competition and market trends.
- Provide feedback on customer needs and product improvement opportunities.
- Identify potential areas for expansion of group lending business.

Key Performance Indicators (KPIs)

- Group formation targets achieved
- Loan disbursement volume
- Portfolio outstanding under management
- Collection efficiency (%)
- Portfolio at Risk (PAR) levels
- Customer acquisition and retention
- Portfolio quality and delinquency control
- Compliance and audit scores

Educational Qualification

- Graduate in any discipline.
- MBA/PGDM preferred.

Experience

- 1 to 5 years of experience in Group Lending, JLG, Microfinance, Rural Lending, or NBFC Banking operations.
- Freshers with strong field sales aptitude may be considered for junior roles.

Required Skills & Competencies

Technical Skills

- Understanding of Group Loan/Microfinance operations.
- Credit assessment and customer evaluation.
- Collection and recovery management.
- Knowledge of KYC and regulatory requirements.
- Basic computer and mobile application skills.

Behavioral Skills

- Strong communication and interpersonal skills.
- Customer-focused approach.
- Negotiation and persuasion skills.
- Problem-solving ability.
- Result-oriented and target-driven mindset.
- Ability to work extensively in the field.

Key Attributes

- High integrity and ethical standards.
- Willingness to travel extensively within assigned territory.
- Ability to work in rural and semi-urban markets.
- Strong relationship-building capability.

Compensation & Benefits

- Fixed Salary + Performance Incentives
- Travel Allowance
- Mobile Reimbursement
- Health Insurance and other company benefits as per policy

📌 Relationship Manager - Group Loans Sales (Tirunelveli)
🏢 IDFC FIRST Bharat
📍 Tirunelveli