Loan Officer

Tata Capital Finance Ltd; Ranchi; On-site; INR 180,000 - 260,000; Full time

Job summary

Tata Capital Finance Ltd in Jharkhand is seeking a Loan Officer - Retail MFB to drive disbursements and manage portfolio quality in Garhwa and Bishrampur.

You will lead a sales team across assigned territories, conduct centre meetings, identify JLG opportunities, and ensure timely collections while maintaining strong customer relationships.

Fresh graduates up to 5 years of sales experience in microfinance are welcome; familiarity with microfinance operations and JLG dynamics is a plus.

Qualifications

• Graduate in any discipline with interest in microfinance sales.
• Familiarity with JLG model or microfinance products is preferred.
• Strong client relationship and communication skills.

Responsibilities

• Identify potential clients and market opportunities through field visits and centre meetings.
• Disbursement, repayment and delinquency management to achieve daily/weekly collections targets.
• Maintain portfolio quality by tracking normal dues, delinquencies and frauds.
• Build strong client relationships and lead a sales team across territories to deepen market penetration.

Skills

Relationship management

Business sourcing

Sales flair

Customer service

Education

Graduate in any discipline

Job description

Loan Officer - Retail MFB - Sales - Garhwa - Bishrampur - 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