Collection and Sales Executive

Larsen & Toubro (L&T); Ambarampalayam; On-site; INR 180,000 - 240,000; Full time

Job summary

Larsen & Toubro (L&T) invites applications for a Micro Loan Officer - Field Officer role in Ambarampalayam, Tamil Nadu. The position reports to the Branch Manager and focuses on initiating business in new villages, assessing feasibility, and assisting village approvals.

The role covers sourcing customers, forming Joint Liability Groups, completing KYC, pre-disbursement training, and supporting disbursements and collections.

Qualifications

• Sales & collections interest.
• Two-wheeler with Driving License / LLR mandatory.
• PAN card required.
• Age 21–32 years.
• Willing to start the day at 6:30 AM.

Responsibilities

• Starting business in a new village and assessing feasibility.
• Sourcing customers and forming Joint Liability Groups; filling applications; performing KYC.
• Disbursement support including loan documentation and KYC verification.
• Collection of current and overdue dues; MERC entry and bank deposits.

Skills

Sales & collections

Education

Graduate / Postgraduate / 12th / Diploma

Job description

Role - Micro Loan Officer - Field Officer

Reporting To Branch Manager

1. Starting business in a new village

a. Village identification within the radius

b. Feasibility study of the village based on demographics, activities and financial needs of

the customers

c. Assist the MC-IC in making the village approval

2. Sourcing of business

a. Identification of customers and forming of Joint Liability Groups

b. Filling up of the application form

c. Verification of the residence and business of the customer

d. KYC verification

e. Pre-disbursement training

f. Visiting potential customers in order to develop business

3. Disbursements

a. Collection of KYC documents

b. Assisting the MC-IC for disbursement activity completion

c. Loan documentation

4. Collection of current dues

a. Collect the collection sheets and stickers from MC-IC

b. Group-wise collection as per scheduled time by following the process

c. Deposit of collection money

d. MERC entry

5. Collection of over dues

a. Follow up with the customers with updated data report of assigned portfolio

b. Collection of money as per process

c. Depositing the money in bank

d. MERC entry

e. Assist the MC-IC in initiating action against the defaulters

Eligibility:

• Interested in Sales and Collections
• Graduate / Postgraduate / 12 th / Diploma
• Two-Wheeler (Driving License / LLR Mandatory)
• Pan Card
• Age 21 Years to 32 Years
• Willing to Start the Day at 6:30 AM