Relationship Manager - MF Collections

Equitas Small Finance Bank Ltd.; Nashik District; Hybrid; INR 350,000 - 550,000; Full time

Job summary

Equitas Small Finance Bank Ltd. in Nashik, Maharashtra, is seeking an External Title Relationship Manager - MF Collections with 1-3 years of experience for on-site field work.

The role focuses on microfinance collections, customer relationship management, and field operations to drive timely EMI collection and portfolio health. You will visit borrowers, monitor PAR, coordinate with branches and credit teams, and ensure adherence to RBI guidelines while maintaining high service standards and

Qualifications

• 1-3 years of MF collections or field-based banking experience
• Experience in relationship management and customer service
• Knowledge of RBI guidelines and ethical debt collection practices

Responsibilities

• Ensure timely collection of loan EMIs from Micro Finance customers.
• Follow up with overdue and delinquent borrowers through visits and calls.
• Achieve monthly collection and recovery targets.
• Monitor Portfolio at Risk (PAR) and reduce overdue accounts.
• Handle skip, bounce, and delinquent cases effectively.
• Maintain strong relationships with existing customers and group members.
• Educate customers on repayment schedules and financial discipline.
• Address customer queries and resolve service-related issues promptly.
• Enhance customer satisfaction and retention.
• Conduct regular center meetings and field visits.
• Verify customer residence and business activities when required.
• Track repayment behavior and identify early warning signals.
• Coordinate with branch and credit teams for portfolio monitoring.
• Ensure adherence to RBI guidelines and company policies.
• Maintain accurate collection records and reports.
• Update collection status in systems and submit periodic MIS reports.
• Follow ethical collection practices and customer protection norms.

Skills

Customer Focus

Team Working

Education

BA

Job description

Required Experience 1 - 3 years

External Title Relationship Manager - MF Collections

Employment Type Permanent

Employment Category Field

Organisational

Entity Equitas Small Finance Bank

Business Unit Assets

Division/Function (SBU) Inclusive Banking - MF

Sub-Department Receivables

Generic Role Relationship Manager

External Title (Job Role) Relationship Manager - MF Collections

Division Inclusive Banking - MF

Zone West

State Maharashtra

Region Nashik

Area Nashik

PT Location Maharashtra

Branch Code 9125

Branch Name Lasalgaon

Skills

Skill

Customer Focus Team Working

BA

Job Description

Collection & Recovery

• Ensure timely collection of loan EMIs from Micro Finance customers.
• Follow up with overdue and delinquent borrowers through visits and calls.
• Achieve monthly collection and recovery targets.
• Monitor Portfolio at Risk (PAR) and reduce overdue accounts.
• Handle skip, bounce, and delinquent cases effectively.

Customer Relationship Management

• Maintain strong relationships with existing customers and group members.
• Educate customers on repayment schedules and financial discipline.
• Address customer queries and resolve service-related issues promptly.
• Enhance customer satisfaction and retention.

Field Operations

• Conduct regular center meetings and field visits.
• Verify customer residence and business activities when required.
• Track repayment behavior and identify early warning signals.
• Coordinate with branch and credit teams for portfolio monitoring.

Compliance & Documentation

• Ensure adherence to RBI guidelines and company policies.
• Maintain accurate collection records and reports.
• Update collection status in systems and submit periodic MIS reports.
• Follow ethical collection practices and customer protection norms.