Joint Liability Groups (JLG): Loans are typically provided to groups of 5–7 women from economically weaker sections. Group members act as social collateral for one another. [1, 2]
Doorstep Onboarding: Field officers (FOs) travel to villages and semi-urban areas to collect KYC documents and verify the customer's business (e.g., poultry, small shops, vending). [1, 2]
Progressive Lending: Initial loan amounts are kept small (often under Rs. 50,000). Subsequent ticket sizes and interest rates are adjusted based on the borrower's repayment track record. [1, 2, 3]
Digital Tools: Sales are increasingly paperless. Field agents use offline-capable applications to capture geotagged customer profiles and instantly run credit bureau checks to prevent over-indebtedness
Pay: ₹15,500.00 - ₹23,000.00 per month
Advantages:
Cell phone reimbursement
Adaptable schedule
Health insurance
Leave encashment
Life insurance
Paid sick time
Provident Fund