Relationship Officer

1 Company Name : MUTHOOT MICROFIN LTD

2 Position / Designation : Relationship Officer

3 Department : Operations

4 Employment Type : Full Time

5 Reporting to –

Designation & Grade : Branch Relationship Manager

6 Main Tasks : Acquisition and Maintenance of new clients. Operations and Collection.

7 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

8 Job Location / State : PAN INDIA

B Personal Specification

1 Educational Qualification/ : +2 and above

MML/HR/JD/RO@2013 Not for External circulation Page 2 of 2

Technical Certification

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.

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