Loan Officer - Retail MFB - Sales - Gawan - Choudhary Building - J Grades

Tata Capital; Ranchi; On-site; INR 180,000 - 300,000; Full time

Job summary

Tata Capital is seeking a Sales Officer in the microfinance space to drive disbursements and collections while expanding our reach in new regions. The role emphasizes field-based customer engagement and portfolio quality management.

Freshers to candidates with up to 5 years of experience in microfinance are welcome. Strong communication and relationship-building will be essential for success in this field.

Qualifications

• Graduate in any discipline with willingness to work in microfinance.
• Fresher to 5 years experience as a sales officer in microfinance.
• Basic understanding of microfinance and JLG model preferred.

Responsibilities

• Ensure achievement of disbursement targets with minimum delinquency.
• Identify Joint Liability Groups and disbursed loans for target customers and geographies.
• Develop and manage a team across assigned territories for market penetration and reach.
• Assess potential client base and product acceptability in new regions for expansion.
• Disbursement, repayment and delinquency management with daily/weekly collections targets.
• Follow up on disbursed loans, especially overdue accounts.
• Conduct regular field visits and centre meetings for loan applicants.
• Maintain portfolio quality by tracking normal dues, non-starters, delinquency and frauds.
• Build strong client relationships and brand identification with customers.
• Conduct weekly/daily meetings and visits to centres.

Skills

Relationship management

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

Requirements