Job Description

Department: Operations

Reporting To: Branch Manager

Location: Branch Office

Profile: 10th / 12th Std  with good communication and leadership skills.

Key Responsibilities:

1. Manage the microfinance operations at the client level:

  • Enroll, select and orient new members to the microfinance program, policies, and procedures.
  • Formation of new groups and regularly visit the groups to get update on clients credibility.
  • Prepare loan proposals and make recommendations to Branch Manager.
  • Conduct recovery from the client as per DCB (Demand Collection Balance) sheet.
  • Deposit the recovered amount daily to the accountant/branch manager.
  • Handle 400 – 600 clients and a portfolio of Rs. 80 – Rs. 90 Lakhs.
  • Form at least 10 new groups per month
  • Document and report client feedback regarding the lending process.

2. Maintain client level portfolio quality and control:

  • Fill up the recovery report, both manually and in the MIS (computerized system)
  • Conduct loan utilization checks on regular intervals.
  • Follow up loans in arrears. Prepare client wise overdue and ageing sheet.
  • Prepare regular status reports and submit them to the Branch Manager.

3. Participate as an active member of the overall branch team:

  • Attend weekly staff meetings.
  • Identify new areas for business, understand competition and suggest new products
  • Provide back-up support to other team members as needed.
  • Assist in the recruitment and training activities of new recruits held at the branch.

4. Community relationships:

  • Manage relationships with community leaders, police and other administrative authorities.
  • Coordinate periodic promotional activities for MFI products.

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