- Skill: Team Working, Execution excellence
- Highest Education: HSC
- Working Language: Hindi, Marathi, English
Business Development
- Source recent Joint Liability Group (JLG) customers in assigned villages and locations.
- Conduct village surveys and identify potential borrower groups.
- Achieve monthly and annual disbursement targets.
- Cross-sell insurance and other financial products to existing customers.
Customer Relationship Management
- Build and maintain strong relationships with customers and community leaders.
- Educate customers on loan products, repayment schedules, and company policies.
- Address customer queries and resolve service-related issues promptly.
Credit Assessment
- Conduct customer verification and field investigations.
- Assess borrowers' repayment capacity and eligibility.
- Collect and verify required KYC and income-related documents.
- Ensure compliance with credit guidelines and operational policies.
Loan Disbursement & Monitoring
- Facilitate timely loan processing and disbursement.
- Monitor loan utilization and customer activities.
- Maintain accurate customer records and loan documentation.
Collections & Portfolio Management
- Ensure timely collection of loan installments.
- Follow up on overdue accounts and minimize delinquency.
- Maintain portfolio quality within prescribed norms.
- Support recovery efforts for non-performing accounts.
Administrative & Compliance Activities
- Prepare daily field visit reports and collection reports.
- Ensure adherence to RBI regulations and internal policies.
- Participate in branch meetings and training programs.
- Maintain confidentiality of customer information.
Required Qualifications
- Graduate in any discipline (preferred).
- Freshers or candidates with 1-3 years of experience in Microfinance, Banking, NBFC, or Financial Services.
Required Skills
- Customer relationship management.
- Field sales and collection skills.
- Communication and negotiation abilities.
- Basic knowledge of lending and credit assessment.
- Ability to work in rural and semi-urban markets.
- MS Excel and basic computer knowledge.
- Teamwork and problem-solving skills.
Key Performance Indicators (KPIs)
- Loan disbursement achievement.
- New customer acquisition.
- Portfolio Outstanding (POS).
- Portfolio at Risk (PAR).
- Collection efficiency.
- Cross-sell income generation.
- Customer retention and satisfaction.
Preferred Experience
- Experience with JLG lending, microfinance operations, collections, and rural customer engagement.
- Knowledge of local geography and language.
📌 Skill (India)
🏢 Equitas Micro Finance India
📍 India
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