Loan Officer - Microfinance

Tata Capital Finance Ltd; Gorakhpur District; On-site; INR 200,000 - 350,000; Full time

Job summary

Tata Capital Finance Ltd, Gorakhpur, invites applications for Loan Officers in the microfinance segment. The role focuses on achieving disbursement targets, expanding market reach, and maintaining portfolio quality through active field engagement and customer relationship building.

Fresh graduates with up to 5 years of microfinance sales experience are encouraged to apply. Prior exposure to JLG models is preferred and strong communication is essential.

Qualifications

• Fresh graduates welcome with up to 5 years sales/microfinance experience.
• Familiarity with JLG model preferred.
• Strong communication and negotiation skills.

Responsibilities

• Achieve disbursement targets with minimum delinquency.
• Identify Joint Liability Groups & disburse loans to target customers/geographies.
• Lead and manage field teams across territories for market penetration.
• Conduct regular field visits, centre meetings, and loan applications.
• Maintain portfolio quality by tracking dues, non-starters, delinquencies and frauds.
• Build strong client relationships and brand identification with customers.
• Ensure weekly/daily meetings and visits to centres.

Skills

Relationship management

Business sourcing

Flair for sales

Customer service attributes

Education

Graduate in any discipline

Job description

Loan Officers - Microfinance Business - Gorakhpur - Pralhad Rai Trade Centre - J-Grades

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 applican ts 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