Area Sales Officer

Key Responsibilities:            

•   Manage the microfinance operations at the client level:

•   Handle 500+ clients and a portfolio of Rs. Rs.75 Lakhs – 1.5 Crore.

•   To enroll new clients per month.

•   To survey new villages and submit village mapping form to Branch Manager

•   To conduct open general meeting with clients for their grievances

•   To Identify target borrowers and to form groups and centers.

•   To conduct CGT (Compulsory Group Training) and to ensure that each member has clearly understood Satin’s credit policies.

•   Fill in loan applications and make recommendations to Branch Manager.

•   Document and report client feedback regarding the lending process.

Maintain client level portfolio quality and control:   

•   To ensure full, on time loan repayments at the center.

•   Complete client level CDS.

•   Immediate updation of collection in LMS

•   Conduct loan utilization checks on regular intervals.

•   Follow up loans in arrears.

•   Prepare regular status reports and submit them to the Branch Manager.

•   To check 100% LUC after 3 subsequent center meetings

Participate as an active member of the overall branch team: 

•   Attend weekly staff meetings.

•   Participate in quarterly and annual branch planning workshops.

•   Provide back-up support to other team members as needed.

•   Assist in the recruitment and training activities of new recruits held at the branch.

Communication Skills

•  Ability to read and respond in English, mandatorily understands and speaks Local Language

•  Can articulate and has clarity on information provided

Logical Ability

•  Able to respond logically to standard on job scenarios (Collections/sales)

•  Should be able to gauge the Credit worthiness of a customer and decide on the case accordinglyIn

• It is a Full Time Field Sales job for candidates with 0 - 6 months of experience.