Relationship Manager - GL North

Bajaj Finserv Limited; Sitapur; On-site; INR 180,000 - 280,000; Full time

Job summary

Bajaj Finserv Limited is seeking a field officer for Sitapur, UP to conduct village surveys, source new customers, form JLG groups and promote financial literacy.

The role requires doing on-ground verification, data entry on LOS, and ensuring timely collections as per center meeting schedules. You will maintain strong borrower relationships and drive both sourcing and recovery activities in the assigned location.

Qualifications

• Experience in field-based microfinance or lending is preferred.
• Ability to explain product offerings to borrowers during village meetings.
• Strong communication and relationship-building skills.

Responsibilities

• Conduct village surveys and 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.
• Collect information for sourcing, data entry/validation on LOS and follow the sourcing process per SOP.
• Coordinate with Branch Manager for approvals and Credit Ops for disbursements as per process.
• Plan and conduct center meetings with 100% borrower participation; address queries and promote cross-sell.
• Ensure collections and 100% recovery deposition as per SOP; monitor end-use of loans.
• Maintain healthy borrower relationships and compliance with SOPs; prepare daily task reports for Branch Manager.
• Ensure reconciliation of recovery dispositions with Credit and Ops as per schedule.
• Maintain center meeting discipline and code of conduct.

Skills

Field work

Customer acquisition

Microfinance knowledge

Compliance

Tools

LOS system

Job description

Job Summary

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 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.