Loan Officer - Microfinance Sales

Tata Capital Finance Ltd; Gaya; On-site; INR 300,000 - 540,000; Full time

Job summary

Tata Capital Finance Ltd is seeking a Loan Officer for Retail MFB sales in Sherghati and surrounding areas. The role emphasizes achieving disbursement targets, managing delinquencies, and building a strong local brand through active field presence and customer engagement.

The ideal candidate can be a fresher up to 5 years in microfinance sales, with a graduate degree in any discipline. Key traits include relationship management, a flair for sales, business sourcing, and customer service

Qualifications

• Experience in microfinance sales is a plus.
• Understanding of Joint Liability Groups (JLG) is advantageous.
• Strong ability to source new clients and build lasting relationships.
• Interest in rural/semi-urban markets and field-based sales.

Responsibilities

• Identify and acquire potential clients in assigned geographies.
• Disburse loans, track repayments, and manage delinquencies.
• Maintain portfolio quality by monitoring dues and fraud indicators.
• Conduct regular field visits and centre meetings to drive growth and collections.

Skills

Relationship management

Business sourcing

Sales flair

Customer service

Education

Graduate in any discipline

Job description

Loan Officer - Retail MFB - Sales - Sherghati - Huntergunj Road - 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