Full Job Description
Designation: Retail Agri-Credit-officer
Position Description: Providing support to branch profitability by Client acquisition, financial Literacy, account opening & credit scrutiny.
- 1. Daily field visit to Customer (groups) to conduct Borrower Eligibility Test (BET) to check;
- 2. Update BET details / findings in BET tool, this also includes;
- 3. Appraise credit manager / RM of any ring leaders, dummy customers and possible fraud events identified during field activities for necessary action.
- 4. Physical File Verification with system/Mobile APP- Crosschecking of entry done in system with applicationform details of each member via KYC detail, family details, existing loan details & activity
- 5. Entering visit details on a day to day basis in SLI Officer Monitoring System/or any other system/ Mobile APP.
- Load Sharing of other locations for conducting BET in time of high volumes or any other reasons as per instructions of Credit Manager.
- Cross Verification of certain track from different MFIs on case to case basis.
- Accompanying Credit Manager for post disbursement visits, if required
- Advance planning with business team on groups to be visited per week.
- Feedback to Credit Manager about geography, negative area, competition presence, customer quality, market trends in terms of launch of new products by competitors,
- change in their sourcing / appraisal process etc.
- Other activities such as post approvals visits, recovery visits along with sales Officer, preparation of MIS or any other as informed time to time.
Educational qualifications preferred
- Category: Bachelor’s Degree, Master’s Degree
Required work experience
- Industry: BFSI/Insurance
- Role: Fresher/Sales
- Years of experience: 0 to 1
- Honesty & integrity
- Hard & smart working
- Go getter attitude
- Ability to convince & influence
- Good observation skills
- Communication & inter-personal skills
- Reporting Designation: Credit Manager
- Reporting Department-Sub BU: Retail Agri Credit
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