1. Job Summary

We are looking for a proactive and target-oriented Collection Relationship Officer to manage group loan collections, maintain customer relationships, and support business development activities. The ideal candidate should have the ability to conduct field visits, coordinate with borrower groups, ensure timely loan repayments, and identify opportunities to expand the customer base.

The candidate will be responsible for monitoring loan repayment schedules, following up on overdue accounts, maintaining accurate collection records, and supporting business growth while ensuring compliance with the bank's policies and procedures.

2. Key Responsibilities

A. Group Loan Collection

- Collect scheduled loan repayments from group loan customers in the assigned territory.
- Conduct regular field visits to borrower groups to facilitate timely repayments.
- Monitor repayment schedules and follow up with customers regarding upcoming and overdue instalments.
- Identify repayment delays and coordinate with the reporting manager to resolve collection-related issues.
- Maintain accurate records of collections, pending instalments, and overdue accounts.
- Ensure collection targets are achieved within the assigned timelines.
- Follow the bank's approved collection procedures and customer service standards.

B. Business Development

- Identify potential customers and generate new business opportunities within the assigned territory.
- Support the acquisition of eligible customers for group loans and other relevant financial products.
- Conduct field-level promotional activities to expand the customer base.
- Build relationships with prospective customers and local communities to generate business leads.
- Achieve assigned business development and customer acquisition targets.
- Coordinate with the branch team to support portfolio growth and business expansion.

C.



Customer Relationship Management

- Build and maintain positive relationships with existing and prospective customers.
- Communicate loan repayment schedules, outstanding amounts, and relevant loan-related information clearly.
- Address customer queries and coordinate with the appropriate team for resolution.
- Encourage responsible repayment practices and maintain regular customer engagement.
- Handle collection-related discussions professionally, respectfully, and in accordance with the bank's policies.

D. Loan Portfolio Monitoring

- Monitor the repayment performance of assigned group loan accounts.
- Identify overdue accounts and follow up promptly to minimise collection delays.
- Maintain updated records of customer payments, outstanding balances, and follow-up activities.
- Report collection performance, overdue accounts, and repayment concerns to the reporting manager.
- Support the branch in maintaining a healthy loan portfolio.

E. Reporting and Compliance

- Submit daily collection reports and periodic business performance updates.
- Maintain accurate customer records and collection documentation.
- Follow the bank's policies, applicable regulatory requirements, and approved recovery procedures.
- Ensure transparent handling and timely reporting of all collections.
- Maintain customer confidentiality and professional conduct during field activities.

3. Qualifications and Experience

- Graduation preferred, subject to the employer's eligibility criteria.




- Experience in banking, microfinance, group loan collection, or financial services is an advantage.
- Knowledge of loan repayment procedures and field collection activities is preferred.
- Robust communication, negotiation, and interpersonal skills.
- Ability to manage customer relationships and achieve collection targets.
- Willingness to travel within the assigned territory for field visits.
- Ability to work independently and coordinate effectively with branch teams.

4. Key Skills Required

- Group Loan Collection
- Field Collection and Customer Follow-up
- Business Development and Customer Acquisition
- Customer Relationship Management
- Loan Portfolio Monitoring
- Target Achievement
- Reporting and Documentation
- Communication and Negotiation Skills

5. Performance Expectations

Performance will be evaluated based on:

- Achievement of assigned loan collection targets.
- Timely collection of group loan instalments.
- Follow-up and management of overdue accounts.
- New customer acquisition and business generation.
- Maintenance of customer relationships.
- Accuracy of collection records and compliance with bank policies.

6. Candidate Profile

The ideal candidate should be field-oriented, customer-focused, and result-driven, with the ability to manage group loan collections while contributing to business development. Candidates who can balance effective repayment follow-up with skilled customer relationship management will be preferred.

Pay: ₹20,500.00 - ₹38,000.00 per month

Benefits:

- Cell phone reimbursement
- Health insurance
- Internet reimbursement
- Leave encashment
- Paid sick time
- Paid time off
- Provident Fund

Education:

- Bachelor's (Required)

Location:

- Cherthala, Kerala (Required)

Work Location: In person

📌 COLLECTION RELATIONSHIP OFFICER (Cherthala)
🏢 ProVantage HUB
📍 Cherthala