Credit Officer

Job Title Trainee Credit Officer Department Group Micro banking Location Pan Jharkhand Grade Salary Range Trainee Executive 1 26 LPA to 1 52 LPA Reporting Manager Branch Head Asst Branch Manager Roles Responsibility Identify and approach potential clients for microfinance services Conduct field visits to evaluate potential clients creditworthiness Collect and verify loan applications supporting documents and customer information Ensure compliance with company policies and guidelines during the loan application process Conduct financial analysis of applicants income expenses and repayment capacity Educate customers about the loan process repayment terms and financial literacy Monitor loan disbursements and conduct regular Centre Meetings to ensure timely repayments Conduct regular follow-ups with clients to track loan utilization and repayment progress Identify and resolve cases of overdue loans including recovery activities Ensure adherence to company policies regulatory requirements and industry standards Maintain accurate and updated client records and loan files Skills Required Good understanding with loan software applications Understanding of KYC documents Strong analytical and decision-making skills Well versed in local language and interpersonal skills Proficiency in using TABs and computers Ability to work under pressure and meet deadlines Education Intermediate Graduate in any discipline Age Limit - 18 - 32 years Important Points to remember Candidates have to appear for written test followed by PI Candidates age limit shall be between 18 - 32 years only At the time of interview candidates must bring their updated CV AADHAR PAN CARD Candidates must have Driving License Learner s License a bike As they shall be eligible for 32 litres of fuel per month Additional Benefits ESIC Coverage Yearly Health coverage of 2 Lakhs for self dependent family members Accidental coverage of 1 lakh for the employee PF Gratuity applicable for the employee Term insurance coverage of 10 Lakhs for the employee Monthly incentive other than salary upon achieving the business milestones Mobile Loans Bike Loans Housing Loans for employees Candidates selected as Trainee Credit Officer shall be eligible for company provided accommodation in their posting location Interview InformationCommunication Preference Other Recruiter Job Type Full-time Pay 10 738 87 - 28 092 62 per month Schedule Day shift Work Location In person