Loan Officer

Tata Capital Finance Ltd; Gumla; On-site; INR 167,000 - 279,000; Full time

Job summary

Tata Capital Finance Ltd. Gumla invites a Loan Officer to drive retail MFB sales, manage disbursements, and achieve targets with discipline on delinquency. You will identify Joint liability Groups and tailor loans to local customers.

You will lead field activities, conduct centre meetings, and build strong client relationships while expanding market reach. Fresh graduates to five years in microfinance sales are welcome; strong communication and customer service are valued.

Qualifications

• Achieve disbursement targets with minimal delinquency.
• Identify JLG groups and disbursed loans for target markets.
• Develop and manage sales teams across territories for market penetration.
• Assess potential clients and product acceptance in new regions.
• Manage disbursement, repayment, and delinquency with daily/weekly collections.
• Follow up on overdue loans and monitor portfolio quality.
• Conduct regular field visits and center meetings with loan applicants.
• Maintain portfolio quality by tracking dues, delinquencies, and frauds.
• Build strong client relationships and promote brand presence.

Responsibilities

• Disburse loans and ensure timely repayments.
• Penetrate markets through JLGs and field presence.
• Lead and manage sales teams across territories.
• Monitor portfolio quality and control delinquencies.
• Maintain relationships with clients and promote brand.

Skills

Relationship management

Business sourcing

Flair for sales

Customer service

Education

Graduation

Job description

Loan Officer - Retail MFB - Sales - Gumla - Baraik Mohalla - J Grades 10563 To ensure the achievement of disbursement targets with minimum delinquency Identifying Joint liability Groups & disbursed loans, to suit the target customers and geographies. Enabling business growth by developing and managing a teams across assigned territories for deeper market penetration and reach. Assess potential client base and product acceptability in new regions, areas & opportunities for geographical expansion of operational areas. Disbursement, repayment and delinquency management, achieving daily / weekly collections targets Makes a close follow up of the disbursed loans, especially of the ones not paying on time. Undertake regular field visits, Centre Meeting and loan applicants Maintaining portfolio quality by tracking & controlling Normal dues, Nonstarters, Delinquency, & Frauds. Build strong client relationships both internally and externally and build a strong brand identification with potential customers. Ensuring weekly / daily meetings & visit to centre Fresher to maximum of 5yrs exp + as a sales officer in microfinance business Basic understanding about Microfinance business and JLG model working would be preferred.

Key Skills

Relationship management, Business sourcing Flair for sales Understand critical attributes of customer service

Education

Graduate in any discipline