Responsible for doing village surveys, getting recent customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location
Responsibilities
- Conduct village surveys and prospecting in selected villages; explain BFL MLI JLG product offerings to all who attend prospecting briefing.
- Source new customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers.
- Collect all information needed for sourcing, data entry/upload and/or validate documents on LOS; follow entire sourcing process as defined in SOP.
- Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process.
- Plan center meetings of customers and notify customers in advance of the schedule; ensure 100% participation of borrowers in the center meetings.
- Resolve customer queries and promote top ups / cross sell as defined for the branch.
- Manage a portfolio of 450 - 500 customers.
- Ensure collections are done from customers as per scheduled center meeting days; ensure 100% deposition of recovery at defined points of disposition as per SOP.
- Carry out end-use monitoring of loans as per the process.
- Maintain healthy and cordial relationships with all potential and existing borrowers; ensure 100% compliance and positive conduct on all SOPs and practices as defined in the branch operating model.
- Create a daily report of tasks planned and executed and submit to Branch Manager.
- Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule.
- Ensure critical parameters like lead to login are executed as per matrix.
- Maintain centre meeting discipline; follow SOPs and code of conduct.
Major Challenges
- Quality sourcing and achieving targets as defined.
- Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers.
- Compliance on all business parameters, zero audit findings on his/her sourced customer segment/portfolio.