Loan Officer - Retail MFB - Sales - Bilagi - Jarali Complex - J Grades

Tata Capital; Belagavi District; On-site; INR 240,000 - 300,000; Full time

Job summary

Tata Capital in India is seeking a Sales Officer for microfinance with fresh to five years of experience. The role emphasizes disbursement targets, portfolio health, and expanding reach through field-driven customer acquisition.

You will lead and mentor teams across assigned territories, build strong client relationships, and drive market penetration in line with organizational goals.

Qualifications

• Graduate in any discipline.
• Fields roles require basic familiarity with microfinance concepts.

Responsibilities

• Achieve disbursement targets with minimum delinquency.
• Identify Joint Liability Groups and disbursed loans for target customers and geographies.
• Develop and manage teams across territories for market penetration.
• Assess potential client base and product acceptability for regional expansion.
• Manage disbursement, repayment and delinquency with daily/weekly targets.
• Follow up on non-paying loans and monitor portfolio quality.
• Conduct field visits and centre meetings; engage loan applicants.

Skills

Relationship management

Business sourcing

Flair for sales

Customer service

Education

Graduate in any discipline

Job description

Job Description:

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