Job Description To acquire appraise disburse monitor and recover microloans and allied credit products for lowincome individuals and groups in line with the organisations financial inclusion objectives while ensuring portfolio quality and compliance with regulatory and internal policies Key Responsibilities Client Acquisition Centre Formation Identify financially excluded individuals and families in the assigned area Conduct village mapping and general meetings for borrower sourcing Form centres and groups as per defined guidelines and route plans Build and maintain strong relationships with borrower communities and local influencers like Village Heads Anganwadi Workers etc Loan Sourcing Appraisal Carry out 100 household visits during Loan Application Process Collect borrower information including income details household business cash flows and liabilities Conduct field house and business visits to assess residence business viability and repayment capacity Prepare and submit loan proposals in line with credit policy and system requirements Ensure completeness and accuracy of documentation KYC and regulatory compliance Disbursement Client Education Support loan disbursement as per approved terms and procedures Clearly explain loan amount repayment schedule instalments and client obligations Ensure borrower understanding of ethical borrowing and repayment discipline Collections Portfolio Monitoring Collect instalments as per client demand schedule and scheduled centre meetings Ensure centre meetings are conducted as per route plan and scheduled time Monitor repayment behaviour and identify early signs of stress or delinquency Conduct followups for overdue accounts while maintaining ethical collection practices Ensure 100 Loan Utilisation Check LUC after three subsequent centre meetings postdisbursement Reporting Compliance Conduct Maintain accurate records and supporting documents at centre and branch level Coordinate with Branch Manager for reconciliation MIS updates and issue resolution Ensure 100 adherence to SCNL policies RBI and MFIN guidelines Maintain zero tolerance for any manipulation or unethical practices at centres Always ensure professional and ethical behaviour with clients Employee Advantages Branch Accommodation Cook Facility E Gurukul MBA Program for employees Mediclaim Benefit Accidental Insurance Attractive Incentive Average Rs 4500 Salary Advance Staff Loan Leaves 48 a year Promotion Mata Vaishno Devi Travel Policy Fixed Monetary benefits for Parents based on certain criteria Pension to parents for untimely death of an employee Internal Job Posting Candidates should meet the below criteria 1 Two Wheeler 2 Driving Licence Learners Licence 3 Aadhaar Card Linked with Mobile 4 PAN Card Linked with Aadhar 5 Bank Account Cheque Book 6 Local Language 7 Willingness to work at a minimum of 50 KM from hometown

📌 Customer Service Officer (Bhubaneswar)
🏢 Prerana Educational and Charitable Trust
📍 Bhubaneswar