Relationship Executive - MFI North

Bajaj Finserv Limited; Meerut; On-site; INR 250,000 - 350,000; Full time

Job summary

Bajaj Finserv Limited in Meerut seeks a Field Officer to drive village surveys, customer sourcing, JLG group formation, and loan follow-up. You will verify documents, monitor loan utilization, and ensure timely repayments while maintaining strong relationships with borrowers in the local area.

Responsibilities include conducting center meetings, reporting daily activities to the Branch Manager, and ensuring adherence to SOPs across all processes with a focus on compliance and customer service.

Responsibilities

• Conduct village surveys to prospect potential customers and explain BFL MFI JLG product offerings to attendees.
• Source new customers in allocated locations, form JLG groups, and promote financial literacy among borrowers.
• Collect information for sourcing, data entry/upload and verify documents in LOS, following SOPs.
• Coordinate with Branch Manager for approvals and with Credit Ops for disbursements as per process.
• Plan and conduct center meetings with 100% participation, resolve queries, promote top ups/cross-sell, manage a portfolio of 450–500 customers.
• Ensure timely collections per schedule, ensure 100% deposit of recovery at defined points of disposition.
• Carry out end-use monitoring of loans as per process.
• Maintain healthy, cordial relationships with borrowers, ensure 100% SOP compliance.
• Create and submit daily task reports to Branch Manager.
• Ensure reconciliation of recovery disposition with Credit and Ops Officer as per schedule.
• Ensure lead-to-login and center meeting discipline per matrix.
• Maintain center meeting discipline, follow SOPs and code of conduct.

Job description

Job Purpose

Responsible for doing village surveys, getting new customers, do CGT, house verification and income assessment, do quality sourcing, ensure collections and recoveries are done as per the group/centre meeting schedule. Maintain Healthy Customer Relationships on ground in the location

Duties and Responsibilities

• Conduct village surveys and do prospecting in selected villages, explain BFL MFI JLG product offerings to all who attend prospecting briefing.
  
• Source New Customers in the locations allocated, form JLG groups and promote financial literacy amongst potential borrowers
  
• Collect all information needed for sourcing, data entry / upload and/or validate documents on LOS, follow entire sourcing process as defined in SOP
  
• Coordinate with BM for required approvals and Credit Ops officer at branch for disbursements as per process
  
• Plan Center Meetings of customers and notify customers in advance of the schedule, ensure 100% participation of borrowers in the center meetings. Resolve customer queries and promote top ups / cross sell as defined for the branch. Manage a portfolio of 450 500 customers
  
• Ensure collections are done from Customers as per scheduled center meeting days, ensure 100% deposition of recovery done in defined points of disposition as per SOP.
  
• Carry out end use monitoring of loans as per the process
  
• Maintain Healthy and cordial relationship with all potential and existing borrowers, ensure 100% compliance and good conduct on all SOPs and practices as defined in the branch operating model.
  
• Create a daily report of tasks planned and executed and submit to Branch Manager.
  
• Ensure recovery disposition reconciliation is done with Credit and Ops Officer as per schedule.
  
• Ensuring critical parameters like lead to login are executed as per matrix .
  
• Maintain centre meeting discipline, follow SOPs and code of conduct

Major Challenges

• Quality sourcing and achieving targets as defined
  
• Regular collections and maintaining customers in current bucket, regularizing and normalizing delinquent customers
  
• Compliance on all business parameters, zero audit findings on his / her sourced customer segment / portfolio