Loan Officer

Tata Capital Finance Ltd; Odisha; On-site; INR 280,000 - 420,000; Full time

Job summary

Tata Capital Finance Ltd. is hiring a Loan Officer for Retail MFB across Dhenkanal and Mandawali zones. The role focuses on achieving disbursement targets while maintaining low delinquency, building JLG portfolios, and expanding the customer base through active field sales.

The ideal candidate may be fresher up to 5 years in microfinance sales, with basic knowledge of MFIs and JLG models, and strong client relationship skills to grow the regional footprint.

Qualifications

• Graduate in any discipline.
• Fresher to maximum of 5yrs exp + as a sales officer in microfinance business would be preferred.
• Basic understanding about Microfinance business and JLG model working would be preferred.

Responsibilities

• Achieve daily/weekly disbursement targets with minimal delinquency.
• Identify Joint liability Groups (JLG) & disbursed loans for target geographies.
• Develop and manage a team across assigned territories for market penetration.
• Assess potential client base and product acceptability in new regions.
• Disbursement, repayment and delinquency management; monitor portfolio quality including dues and delinquencies.
• Maintain strong client relationships and build brand identification with customers.
• Conduct weekly/daily meetings and field visits to centres.

Skills

Relationship management

Business sourcing

Sales flair

Customer service

Education

Graduate in any discipline

Job description

Loan Officer - Retail MFB - Sales - Dhenkanal - Mandawali - 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