Client Acquisition &
Sales (Sourcing)
Territory Mapping: Identifying potential villages, slums, or semi-urban areas where the MFI’s target demographic resides.
Pitching Products: Explaining loan products (e.g., income-generating loans, agriculture loans, sanitation loans) to potential clients, ensuring they understand the interest rates, EMI structures, and terms.
Group Formation: For group lending models, the officer helps organize individuals into Self-Help Groups (SHGs) or Joint Liability Groups (JLGs) where members act as guarantors for one another.
Pre-Loan Processing &
Verification
KYC Collection: Gathering and verifying basic documentation (Aadhaar, PAN, voter ID, bank details) from applicants.
House &
Business Visits:

Conducting physical inspections of the applicant’s home and workplace to assess their actual living conditions, business viability, and capacity to repay.
Conducting CGT &
GRT:

Running Compulsory Group Training (CGT) to educate borrowers on MFI policies, followed by a Group Recognition Test (GRT) alongside a branch manager to finalize loan approval.
Collections &
Repayment Management
Center Meetings: Organizing and leading weekly, bi-weekly,



or monthly center meetings in the villages to collect EMIs simultaneously from all group members.
Cash Handling &
Digital Adoption:

Collecting physical cash, issuing receipts, and increasingly, educating and migrating rural clients to digital payment methods (UPI, Aadhaar-enabled payment systems).
Managing Delinquencies (Overdue Accounts): Following up immediately with borrowers who miss a payment. If a member defaults, the officer must leverage the group's joint liability to recover the funds through peer pressure or restructuring.
Relationship Management &
Reporting
Customer Service: Acting as the single point of contact for clients facing business hardships, needing top-up loans, or requesting account closures.
Daily Reporting: Updating the Branch Manager at the end of each day with cash collection tallies, current sourcing numbers, and reports on any defaulting groups.
Audit Compliance: Ensuring all paperwork, registers, and group meeting logs are strictly maintained according to RBI guidelines to pass internal and external audits.

Pay: ₹16,000.00 - ₹22,000.00 per month

Advantages
Cell phone reimbursement
Paid sick time
Provident Fund

Work Location: In person

📌 Senior Loan Sales Officer Dindigul
🏢 Satin Creditcare Network
📍 Dindigul