Relationship Manager - GL North

Bajaj Finserv Limited; Unnao District; On-site; INR 180,000 - 300,000; Full time

Job summary

Bajaj Finserv Limited seeks a field officer to conduct village surveys, prospect and source new customers, form JLG groups, and promote financial literacy. You will collect data, validate documents on LOS, coordinate disbursements, and manage center meetings to ensure borrower participation and timely collections.

The role emphasizes maintaining strong borrower relationships, strict SOP adherence, and regular reporting to the Branch Manager.

Qualifications

• Village surveys and prospecting in selected villages.
• Explain BFL MFI JLG product offerings to prospects.
• Source new customers and form JLG groups; promote financial literacy.
• Coordinate with Branch Manager and Credit Ops for disbursements.
• Plan center meetings and ensure 100% borrower participation.
• Ensure collections per schedule and 100% recovery deposition.
• Maintain healthy borrower relationships and ensure SOP compliance.

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 information for sourcing, data entry / upload and/or validate documents on LOS; follow the sourcing process.
• Coordinate with BM for approvals and Credit Ops officer for disbursements as per process.
• Plan Center Meetings of customers and notify in advance; ensure 100% participation and resolve queries.
• Ensure collections are done per schedule and 100% deposition of recovery.
• Maintain centre meeting discipline and ensure SOP compliance.
• Maintain healthy relationships with borrowers and ensure 100% compliance.

Skills

Village surveys

Prospecting

Sourcing new customers

JLG products

Collections

Data entry

SOP compliance

Credit processes

Tools

LOS system

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