Senior Relationship Manager - GL North

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

Job summary

Bajaj Finserv Limited is seeking front-line field staff to conduct village surveys, source new customers and form JLG groups in assigned areas. The role includes promoting financial literacy, collecting data, coordinating disbursements, and ensuring timely repayments.

You will maintain strong borrower relationships, monitor end-use of loans, and report daily activities to the Branch Manager while adhering to SOPs and code of conduct.

Responsibilities

• Conduct village surveys and prospecting in selected villages; explain Bajaj Finserv MFI JLG offerings to attendees.
• Source new customers in allocated locations; form JLG groups and promote financial literacy.
• Collect information for sourcing; data entry/upload on LOS; follow sourcing SOP.
• Coordinate with Branch Manager and Credit Ops for approvals and disbursements as per process.
• Plan center meetings; ensure 100% borrower participation; promote top ups and cross-sell as defined for the branch.
• Ensure collections per schedule and 100% deposit of recoveries as per SOP.
• Carry out end-use monitoring of loans as per process.
• Maintain healthy relations with borrowers; ensure 100% compliance with SOPs and branch code of conduct.
• Create a daily report of planned/executed tasks and submit to Branch Manager.
• Ensure recovery disposition reconciliation with Credit and Ops Officer as per schedule.
• Maintain center meeting discipline and adherence to SOPs and code of conduct.
• Manage a portfolio of 450-500 customers.

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