Retail MFB - Sales - Loan Officer (Start ASAP)

Cognitioworld; India; Vor Ort; INR 300.000 - 500.000; Vollzeit

Benefits dieser Stelle

Competitive salary

Performance-based incentives

Health insurance

Provident fund

Employee assistance programs

Zusammenfassung

A leading microfinance organization in Giridih, Jharkhand is seeking a Sales Officer to drive loan disbursement targets and manage microfinance teams. The ideal candidate will have 0–5 years of experience in microfinance, strong relationship management skills, and a graduate degree. Responsibilities include achieving disbursement targets, assessing potential clients, and maintaining portfolio quality. This role offers competitive salary, performance-based incentives, and opportunities for career progression.

Qualifikationen

• 0–5 years of experience as a sales officer in the microfinance business.
• Basic understanding of microfinance business and JLG model working (preferred).

Aufgaben

• Ensure achievement of disbursement targets with minimum delinquency.
• Identify Joint Liability Groups and disburse loans to target customers.
• Enable business growth by managing teams for deeper market penetration.
• Assess potential client base and market opportunities for expansion.
• Manage disbursement, repayment, and achieve collections targets.
• Follow up on disbursed loans, especially overdue payments.
• Conduct regular field visits and loan applicant assessments.

Kenntnisse

Sales officer experience

Relationship management

Business sourcing skills

Flair for sales

Customer service understanding

Ausbildung

Graduate degree in any discipline

Jobbeschreibung

Drive loan disbursement targets, manage microfinance teams, and ensure portfolio quality in Giridih, Jharkhand.

Your role

Key responsibilities include:

• Ensuring achievement of disbursement targets with minimum delinquency.
• Identifying Joint Liability Groups and disbursing loans to target customers and geographies.
• Enabling business growth by developing and managing teams across assigned territories for deeper market penetration and reach.
• Assessing potential client base and product acceptability in new regions, areas, and opportunities for geographical expansion.
• Managing disbursement, repayment, and delinquency, and achieving daily/weekly collections targets.
• Closely following up on disbursed loans, especially those not paying on time.
• Undertaking regular field visits, centre meetings, and loan applicant assessments.
• Maintaining portfolio quality by tracking and controlling normal dues, nonstarters, delinquency, and frauds.
• Building strong client relationships internally and externally, and strengthening brand identification with potential customers.
• Ensuring weekly/daily meetings and visits to centres.

About you

The ideal candidate will have:

• 0–5 years of experience as a sales officer in the microfinance business.
• Basic understanding of microfinance business and JLG model working (preferred).
• Relationship management and business sourcing skills.
• Flair for sales.
• Understanding of critical attributes of customer service.
• Graduate degree in any discipline.

Benefits

• Competitive salary as per Tata Capital standards for entry-level/graduate roles.
• Performance-based incentives.
• Health insurance and wellness benefits.
• Provident fund and statutory benefits.
• Employee assistance programs.

Training and development

• Onboarding and role-specific training.
• Access to professional development programs and mentorship opportunities.

Career progression

Opportunities for advancement to senior sales or team leadership roles within the microfinance division, based on performance and experience.