Relationship Officer

Job Title: Relationship Officer - Microfinance Department: Business Operations Location: Karnataka Report To: Branch Manager/Area Manager Job Purpose: To acquire, manage, and nurture client relationships while promoting microfinance products (loans, savings, insurance) to underserved segments. Responsible for portfolio quality, client education, and achieving business targets. Key Responsibilities: 1. Client Acquisition & Relationship Management o Identify and onboard new clients (individuals/SHGs) through field visits. o Conduct door-to-door marketing of microfinance products. o Build trust with clients and address queries regarding loans/repayments. 2. Loan Processing & Documentation o Collect and verify KYC documents (Aadhaar, PAN, income proof). o Screen applicants, assess creditworthiness, and recommend loan approvals. o Ensure accurate data entry in the MFI’s core banking system. 3. Portfolio Monitoring o Track repayments, follow up on defaults, and maintain <5% PAR (Portfolio at Risk). o Conduct weekly/monthly group meetings for collections and financial literacy. 4. Compliance & Reporting o Adhere to RBI/NBFC-MFI regulations (fair practices, pricing caps). o Submit daily reports on disbursements, collections, and client feedback. 5. Cross-selling & Financial Literacy o Promote insurance, savings, and other microfinance products. o Educate clients on loan terms, interest rates, and repayment discipline. Qualifications & Skills: Education: PUC / ITI/ Graduate (Any stream. Experience: Fresher / 1 years in microfinance, banking, or field sales. Skills: o Fluency in local language + basic English. o Strong negotiation and interpersonal skills. o Two-wheeler license (for field travel). Job Types: Full-time, Permanent, Fresher Pay: From ₹24,000.00 per month Benefits: Food provided Health insurance Leave encashment Life insurance Paid sick time Provident Fund Schedule: Weekend availability Supplemental Pay: Commission pay Performance bonus Quarterly bonus Application Question(s): Will you do field Work __ _ Willingness to travel: 75% (Preferred) Work Location: In person Speak with the employer +91 8130470063