Relationship Manager - Microfinance

Equitas Small Finance Ltd

Edappady

Not disclosed

Work from Office

Full Time

Min. 2 years

Job Details

Job Description

Relationship Manager - MF

A standard set of Key Responsibility Areas (KRAs) and Key Performance Indicators (KPIs) for this role includes:

1. Portfolio & Sales Target Achievement
  • Client Acquisition: Identify unserved/underserved rural or semi-urban areas and form new Joint Liability Groups (JLGs).
  • Disbursement Targets: Meet or exceed monthly loan disbursement quotas.
  • Cross-Selling: Promote additional financial products (like micro-insurance or savings accounts) to existing group members. [1]

2. Collection & Delinquency Management
  • Timely Repayments: Conduct regular center meetings (weekly/bi-weekly) to collect scheduled EMI installments. [1, 2]
  • Zero PAR (Portfolio at Risk): Prevent accounts from slipping into default by executing follow-ups and field visits to non-paying clients. [1, 2]
  • Delinquency Control: Manage early warnings (e.g., Non-starters or overdue accounts) to maintain a healthy and high-quality loan portfolio. [1]

3. Credit Assessment & Risk Management
  • Group Appraisal: Conduct thorough field visits and personal discussions to evaluate the repayment capacity and creditworthiness of group members.
  • Loan Utilization Checks (LUC): Verify that disbursed funds are being utilized strictly for their intended income-generating purpose. [1]

4. Relationship & Compliance Management
  • Customer Retention: Build strong, trusting relationships with clients to minimize customer attrition.
  • KYC & Documentation: Ensure all loan applications are 100% compliant with company guidelines, KYC norms, and audit policies.
  • Group Training: Educate clients on group dynamics, financial literacy, and the terms & conditions of their micro-loans

Job role

Work location

Inclusive Banking - MF>South>Tamil Nadu>Erode>Salem>Attyampatty>EDAPPADY>1268>Edapady

Department

Banking / Insurance / Financial Services

Role / Category

Banking/Loan Sales

Employment type

Full Time

Shift

Day Shift

Job requirements

Experience

Min. 2 years

About company

Name

Equitas Small Finance Ltd

Job posted by Equitas Small Finance Ltd

Apply on company website