Mega Walk In Drive - Individual Ro - Pl/bl/lap/group Loan/home Loans
- Smfg India Credit
- 0 - 4 years
- 26 days ago
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Job Description
Job DescriptionJob TitleIndividual Relationship OfficerFunction / DepartmentRuralDepartment HeadRural HeadReporting ManagerUnit Manager
Purpose of the Job: Collecting repayment on the fields
Making new customers
Describe the KPIs against each perspectivePerspectiveKey Performance IndicatorsBusiness and Financial Management- Target vs Achievement on Units & Volume
- Delivery in Volume
- Collections quality (collected versus demand)
- Delinqueny
- Disbursal amount
- Insurance attachment rate
Customer Focus- Attending customer queries & resolution in TATPeople / Team- Coordinating with ACO GCO in facilitating disbursement and collectionsProcess / Quality Improvement- Adherence to process disbursement, collections etc.
- Demonstrated potential to take initiative in building a growing customer base and team
SCOPE & DISCRETION (Span of control)Total no. of employees supervised with detailsGradeO1 to 04M1 to M3SM1 to SM3Nos.
Total :
Sr. No.Direct Reportees
(functional title/role title)Indicate brief job purpose1 2 Self deliverablesThe most important tasks performed on an individual basis without involving subordinates areSr. NoTask performed1
- Sourcing customers: IRO is responsible for meeting with prospects, understanding their needs, generating leads, following up the leads for interested prospects
- Running required credit checks: IRO is responsible for filling sourcing sheets of interested customers; for collecting required KYC documents; verifying the KYC documents; for conducting cash flow analyses; and for running business and residential CPVs.
- Collecting repayments on the field: IRO is responsible for the overall portfolio quality - collecting on field repayments; and for managing non-repayment by customers.
- Participating in marketing and branding events: As necessary.
Other factors relevant to the job
Other aspects of the job not covered by the above but necessary to have a full understanding of it are: (add additional sheets if required)Sr. NoOther relevant factors (Required Skills)1 2 Extremely disciplined and process-oriented
Able and willing to spend majority of time in the field
Ability to work with minimal direction (self-starter)
Good interpersonal, relationship management, customer service, and rapport building skills.
Ability to prioritize, multi-task, delegate, and proactively resolve problems
Demonstrated potential to take initiative in building a growing customer base and team
3 4
Expertise required/ Domain Knowledge:
Ability to read and write in regional language; knowledge of basic English a bonus
Prefer individuals who own bikesNo. of years of relevant experience: : Freshers may be taken. However experienced candidates will be preferred with exp in collections / products like Personal loans, Two Wheeler loans, Car Loans, Insurance productsAny specific specialization/education:: 10th /12th pass minimum; graduates
Job Classification
Industry: NBFC (Micro Finance)Functional Area / Department: BFSI, Investments & TradingRole Category: LendingRole: Loan OfficerEmployement Type: Walk-insContact Details:
Company: Smfg India CreditLocation(s): Narsipatnam
Keyskills: Personal Loans Group Sales Rural Finance Lap Loans Secured Loan Unsecured Loans Loan Sales Mfi Individual Loan Business Loan Microfinance NBFC Msme Loan Mortgage Loans Rural Banking Home Finance
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Smfg India Credit
SMFG India Credit (Formerly Fullerton India Credit Co. Ltd.) is a non - banking financial company in India. It is headquartered at Mumbai, India and deals with financing across retail and rural segments. The company provides unsecured as well as secured lending products through a diverse branch net...
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