lient Acquisition & Onboarding
- Lead Generation: Identifying and engaging potential borrowers, typically focusing on small business owners or Joint Liability Groups (JLGs). [1, 2]
- Field Verification: Conducting site visits and client point verifications (CPV) to assess the borrower's background, character, and repayment capacity (the 5 Cs of Credit). [1, 2, 3]
- Document Processing: Assisting clients with the collection of KYC (Know Your Customer) documents and completing loan application paperwork. [1, 2]
2. Financial Education & Group Training
- Training Execution: Conducting continuous group training (CGT) and group recognition tests (GRT) to ensure borrowers understand the terms, conditions, and responsibilities of their microloans. [1, 2, 3, 4, 5]
- Product Education: Promoting additional micro-financial products, such as micro-insurance, savings accounts, and digital payment solutions. [1, 2]
3. Collection & Portfolio Management
- Repayment Collection: Managing scheduled (daily, weekly, or monthly) center meetings to collect loan installments directly from groups or individuals. [1, 2, 3, 4]
- Portfolio Quality: Following up on overdues, monitoring delinquent accounts, and assisting branch managers with initiating recovery actions for defaulters. [1, 2]
- Cash Management: Safely depositing collected funds into the branch or bank account within stipulated daily deadlines. [1, 2]
4. Sales Targets & Compliance
- Target Achievement: Meeting and exceeding monthly/quarterly branch targets for loan disbursal and client acquisition.
- Compliance & Audits: Strictly adhering to financial regulations, company policies, and fair practice codes.
Pay: ₹10,691.86 - ₹15,000.00 per month
Work Location: In person
