Job Description

A Job Specification 1 Company Name : MUTHOOT MICROFIN LTD 2 Position / Designation : Relationship Officer , Field Officer 3 Grade : O I / O II 4 Department : Operations 5 Sub Department (if any) : NA 6 Employment Type : Full Time Reporting to -
7 : Branch Manager Designation & Grade No. of Reportees ,
8 : Nil Designation & Grade 9 Main Tasks : Acquisition and Maintenance of new clients. Operations and Collection.

• Compliance and management: Carries out the pre and post-loan activities related to Group loans. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
• Promotion - Promotes new potential clients and eligible clients offering various other products
• Loan Appraisal - Informs potential clients about the requirements, conditions of the IGL Loan products, the procedures to obtain a loan, the importance of the payments on time etc. Makes sure that the client meets the credit requirements. o Visits the client's business and home to do the assessment, following the credit policy procedures. o Analyzes and presents a consistent loan proposal to the Credit team for its approval. o Informs the client

10 Areas of Responsibility about the Credit team decision
:

• Follow - up: Follows the loan disbursement process. o In case of arrears visits clients and guarantors for the loan recovery. o

Informs the BRM or AM about the demand in his/her assigned area as well as on the competition. o Makes a close follow up of the disbursed loans, especially of the ones not paying on time. oResponsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities * Client service: Provides a quick and timely service to the clients, making sure that the client's expectations are fulfilled whenever is possible. o Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective. Guarantees confidential treatment to all the information gathered from the client and of the Institution
11 Special Requirements (If any) : MML/HR/JD/RO@2013 Not for External circulation Page 1* of 2* 12 Job Location / State : Across Tamil Nadu 13 Compensation Band : 20000 (CTC) Monthly 14 Entitlements : NA 15 Stake Holders : Internal Employees 16 Assets required : NA 17 Career Progression : CO / BRM B Personal Specification Educational Qualification/
18 : +2 and above Technical Certification

• Should have a passion and desire to work in the social service sector.
• Ability & desire for hands on work in the field with customers.
• Basic Knowledge of accounting and finance is desirable
• Basic Computer knowledge

19 Skill Sets :

• Marketing and sales skills
• Good interpersonal skills
• Ability to Communicate - Should Have good verbal fluency and using simple, clear and purposeful language

20 Communication Skills : Fluency in Local Language 21 Experience : Fresher and 1+ year experience. Adaptability, Interpersonal Skills, Valuing service and diversity,
22 Behavioural Competencies : Initiative/Perseverance 23 Other Requirements (If any) : Local Language would be an added advantage and willing to work in Field C Approvals Prepared by
24 : Mr.Radhakrishna E (Name/Designation/ Date) Approved by
25 : (Name/Designation/ Date) BH / HR. MML/HR/JD/RO@2013 Not for External circulation Page 2* of 2* Job Type: Full-time Salary: ?14,609.00 - ?19,103.00 per month Benefits:

• Cell phone reimbursement
• Health insurance
• Leave encashment
• Provident Fund

Schedule:

• Morning shift

Supplemental pay types:

• Performance bonus
• Yearly bonus

Ability to commute/relocate:

• Madurai, Tamil Nadu: Reliably commute or planning to relocate before starting work (Required)

Education:

• Higher Secondary(12th Pass) (Preferred)

Language:

• English (Preferred)

Speak with the employer
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