- Experience in managing microfinance teams and expertise in JLG loan sourcing and disbursement
- Lead and guide a team of Associate Relationship Officers to achieve JLG loan targets, ensure group formation, customer verification, loan recovery, compliance, and coordinate with credit and operations teams
Role & responsibilities: Manage and lead a team of Associate Relationship Officers(AROs) responsible for JLG loan sourcing and disbursement.
Drive business growth by achieving monthly and quarterly targets for JLG loan disbursements.
Identify potential customers and develop business through field visits, group meetings, and local market activities.
Ensure formation of Joint Liability Groups (JLGs) and conduct proper customer verification.
Monitor the performance and productivity of team members and provide regular guidance and training.
Ensure timely loan recovery, collection efficiency, and portfolio quality.
Conduct regular centre meetings and monitor repayment discipline among borrowers.
Build and maintain robust relationships with existing customers and generate new business opportunities.
Ensure compliance with company policies, KYC norms, RBI guidelines, and microfinance regulations.
Monitor overdue accounts, PAR, delinquency, and NPA levels within the assigned territory.
Coordinate with credit and operations teams for smooth loan processing and disbursement.
Conduct regular field visits to monitor team activities and customer relationships.