Relationship Officer

Job Description

A

  Job Specification

1

Company Name

:

MUTHOOT MICROFIN LTD

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Position  / Designation

:

Relationship Officer

3

Department

:

Operations

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Employment Type

:

Full Time

5

Reporting to –

Designation & Grade

:

Branch Relationship Manager

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Main Tasks

:

Acquisition and Maintenance of new clients. Operations and Collection.

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Areas of Responsibility

:

· Compliance and management: Carries out the pre and post-loan activities related to Group loans. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.  

· Promotion – Promotes new potential clients and eligible clients offering various other products

· Loan Appraisal – Informs potential clients about the requirements, conditions of the IGL Loan products, the procedures to obtain a loan, the importance of the payments on time etc o Makes sure that the client meets the credit requirements. o Visits the client's business and home to do the assessment, following the credit policy procedures.  o Analyzes and presents a consistent loan proposal to the Credit team for its approval. o Informs the client about the Credit team decision

· Follow – up : Follows the loan disbursement process. o In case of arrears visits clients and guarantors for the loan recovery. o Informs the BRM or AM about the demand in his/her assigned area as well as on the competition. o Makes a close follow up of the disbursed loans, especially of the ones not paying on time. o Responsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities

· Client service: Provides a quick and timely service to the clients, making sure that the client's expectations are fulfilled whenever is possible. o Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective. Guarantees confidential treatment to all the information gathered from the client and of the Institution

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Job Location / State

:

PAN INDIA

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 Personal Specification

1

Educational Qualification/ Technical Certification

:

+2 and above

2

Skill Sets

:

· Should have a passion and desire to work in the social service sector.

· Ability & desire for hands on work in the field with customers.

· Basic Knowledge of accounting and finance is desirable

· Basic Computer knowledge  

· Marketing and sales skills

· Good interpersonal skills

· Ability to Communicate – Should Have good verbal fluency and using simple, clear and purposeful language

3

Communication Skills

:

Fluency in Local Language

4

Experience

:

Fresher and 1+ year experience.

• It is a Full Time Field Sales job for candidates with 6 months - 2 years of experience.