Loan Officer - Retail MFB - Sales - Giridih - Pachamba - J Grades

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

Job summary

Tata Capital in Ranchi, Jharkhand seeks a Microfinance Sales Officer to achieve disbursement targets with strong customer outreach. You will identify JLG groups, manage field teams across territories, and drive market penetration while ensuring portfolio quality.

Fresh graduates or candidates with up to 5 years of sales experience in microfinance are encouraged. A basic understanding of microfinance and JLG operations is preferred.

Qualifications

• Fresher to maximum of 5 yrs exp as a sales officer in microfinance
• Basic understanding about Microfinance business and JLG model working preferred.
• Graduate in any discipline

Responsibilities

• Achieve disbursement targets with minimum delinquency
• Identify Joint liability Groups & disbursed loans to suit target customers and geographies
• Develop and manage a team across assigned territories for deeper market penetration
• Assess potential client base and product acceptability in new regions and expansion opportunities
• Disbursement, repayment and delinquency management with daily/weekly collections targets
• Close follow-up of disbursed loans, especially those not paying on time
• Regular field visits, centre meetings and loan applicants
• Maintain portfolio quality by tracking normal dues, non-starters, delinquency and frauds
• Build strong client relationships internally and externally and establish brand with customers
• Ensure weekly/daily meetings and visits to centres
• Freshers to max 5 years exp as a sales officer in microfinance business
• Basic understanding about Microfinance and JLG model working preferred

Skills

Relationship management

Business sourcing

Sales flair

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