Field Officer -Product

TRAINEE CSO / COMMUNITY SERVICE OFFICER / SENIOR CSO

To acquire, appraise, disburse, monitor, and recover product loans for low-income individuals, in line with the organisation’s financial inclusion objectives, while ensuring portfolio quality and compliance with regulatory and internal policies.

Key Responsibilities

Know your geography

• Market intelligence like population, gender ration, household information, retail outlets, FMFC industry information, Govt. schemes etc.

Agent Acquisition

• Identify and onboard active Agents for lead generation form various cohorts (minimum 100):

o CSCs

o Centre Leaders

o Self Help Groups

o Postman/Teacher/Courier delivery boys etc

Client Acquisition

• Identify financially excluded individuals and families in the assigned area through active Agents.

• Conduct village mapping and general meetings for borrower sourcing.

• Build and maintain strong relationships with Agents and borrower communities and local influencers.

Loan Sourcing & Appraisal

• Carry out 100% household visits during Pre-GRT.

• Collect borrower information including income details, household/business cash flows, and liabilities.

• Conduct field, house, and business visits to assess residence, business viability, and repayment capacity.

• Prepare and submit loan proposals in line with credit policy and system requirements.

• Ensure completeness and accuracy of documentation, KYC, and regulatory compliance.

Disbursement & Client Education

• Support product loan disbursement as per approved terms and procedures.

• Clearly explain loan amount, 100% online repayment schedule, instalments, and client obligations.

• Ensure borrower understanding of ethical borrowing and repayment discipline.

Collections & Portfolio Monitoring

• 100% cashless collection through UPI mode.

• Monitor repayment behaviour and identify early signs of stress or delinquency.

• Conduct follow-ups for overdue accounts while maintaining ethical cashless collection practices.

Reporting, Compliance & Conduct

• Maintain accurate records and supporting documents at branch level.

• Coordinate with Branch Manager for reconciliation, MIS updates, and issue resolution.

• Ensure 100% adherence to SCNL policies, RBI, and MFIN guidelines.

• Maintain zero tolerance for any manipulation or unethical practices at centres.

• Always ensure professional and ethical behaviour with clients.

• It is a Full Time Field Sales job for candidates with 6 months - 3 years of experience.