Relationship Manager - GL North

Bajaj Finserv Limited; Murshidabad; On-site; INR 250,000 - 450,000; Full time

Job summary

Bajaj Finserv Limited seeks a dedicated Microfinance Field Executive to drive village surveys, source new customers, form JLG groups, and promote financial literacy in allocated areas.

You will coordinate with branch teams for approvals, manage a portfolio of borrowers, ensure collections per schedule, and maintain healthy relationships with customers while adhering to SOPs. This role requires field presence in rural locations.

Qualifications

• Experience in village surveys and loan origination.
• Ability to manage a 450–500 borrower portfolio.
• Strong planning and reporting to Branch Manager.

Responsibilities

• Conduct village surveys and prospecting in selected villages.
• Source new customers and form JLG groups and promote financial literacy.
• Collect all information for sourcing, data entry and validation in LOS; follow SOP.
• Coordinate with Branch Manager for approvals and Credit Ops for disbursements.
• Plan center meetings, ensure 100% borrower participation, and promote top ups/cross-sell.
• Ensure collections as per schedule and 100% recovery deposition.
• Carry out end-use monitoring of loans as per process.
• Maintain healthy relationships with borrowers and ensure 100% SOP compliance.
• Create daily reports of tasks planned and executed and submit to Branch Manager.
• Ensure recovery disposition reconciliation with Credit and Ops Officer per schedule.

Skills

Prospecting

Customer relations

Collections

Compliance

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