Job Description

Job Title:

Field Officer - Microfinance

Location:

Karaikal

Reports to:

Branch Manager / Area Manager

Job Summary:

The Field Officer in Microfinance is responsible for mobilizing, verifying, disbursing, and collecting micro-loans from clients, typically in rural or semi-urban areas. The role involves extensive fieldwork, group formation, community engagement, and ensuring on-time recovery while building trust and awareness about financial products.

Key Responsibilities:

Client Acquisition:

Identify potential clients in villages or towns and create awareness about microfinance products.

Group Formation:

Organize Joint Liability Groups (JLGs) and Self-Help Groups (SHGs); conduct training and orientation sessions.

Loan Processing:

Verify customer documents, perform field checks, and assist with KYC procedures.

Loan Disbursement:

Coordinate loan disbursement activities and ensure clients understand repayment terms.

Recovery:

Ensure timely collection of EMIs through field visits; follow up on overdue payments and maintain collection discipline.

Record Keeping:

Maintain accurate records of clients, repayments, and group meetings in both physical and digital formats.

Reporting:

Submit daily/weekly reports on disbursements, collections, and client feedback.

Compliance:

Ensure all field activities are conducted in accordance with RBI guidelines and internal company policies.

Required Skills and Qualifications:

Education:

Minimum 12th Pass; Graduate preferred.

Experience:

0-3 years in microfinance, field sales, or rural outreach.

Skills:

Good communication in local language. Basic math and data entry skills. Knowledge of the rural financial ecosystem is a plus.

Other Requirements:

Willingness to travel extensively. Two-wheeler and valid driving license (preferred). Strong sense of integrity and community engagement.

Key Attributes:

Honest, empathetic, and people-oriented. Physically fit and comfortable working in rural field conditions. Able to manage pressure and meet daily operational targets.
Contact:-

9787064457 /9361258560.

ahr.thanjavur@pragatifin.com

Job Types: Full-time, Fresher

Pay: ₹15,000.00 - ₹23,000.00 per month

Benefits:

Cell phone reimbursement Health insurance Paid time off Provident Fund
Work Location: In person