Field Credit Officer

**Field Credit Officer-Tamil Nadu & Karnataka**:
South 1660-Madurai, Madurai, Tamil Nadu, India
- Department
- SOUTH CREDIT MICROBANKING
- Job posted on
- May 30, 2025
- Employment type
- Permanent- POSITION DESCRIPTION
- JOB TITLE
- Field Credit Officer - MB & RB
- GRADE
- DM-II
- DEPARTMENT
- Credit
- LOCATION
- Branch
- SUB-DEPARTMENT
- Credit - MB & RB
- TYPE OF POSITION
- Full Time
- REPORTS TO
- Cluster Credit Manager
- MB & RB
- REPORTING INTO
- NA- ROLE PURPOSE & OBJECTIVE- The role is responsible undertaking constant pre-emptive monitoring of micro banking field operations in branches with the objective of early identification of potential operational process lapses, transactional risk, credit risk and reputational risk.- The role is accountable for making effective use of data insights and triggers to mitigate potential loss/risks emanating from branch operations.- SIZE OF THE ROLE
- FINANCIAL SIZE
- NON-FINANCIAL SIZE- NA- Although this position will not be directly engaged in underwriting however the risk associated to cluster will come under the purview.- Monitor the process of 4-5 branches with portfolio of 150-200 Cr. with 40,000 customers.- KEY DUTIES & RESPONSIBILITIES OF THE ROLE
- Business- Visit center meeting to understand the collection and acquisition process.- Visit recent disbursed cases to understand the acquisition and disbursement process.- Visit Incremental overdue customers to check the reason for delinquency and to identify the gaps in collection and acquisition process.- Visit Non-starter/ quick mortality cases to understand the issues in the cases.- Visit NPA cases on a sample basis based on the trigger to check the collection process.- Conduct sample Group Loan House visit i.e. around 30-40 customers HV in a month.- Conduct HV / GRT certification for the branch staff. Shadow House visit along with branch staff. Shadowing with high DR HV/PD person having DR % more than the benchmark- Sample visit of the IL customers after the disbursement.- Check end use of sample high ticket size loans under group and individual loan.- Verification and investigations to be conducted based on the triggers with high disbursement centers, High NCA Centers, High delinquency centers, centers/staff with sudden increase/decrease in CE, centers of staff in notice period, centers of new staff, centers with high remittance income, centers with high non-MFI loans etc. Check high rejection (GL) branches to make understand the quality of sourcing.- Sample calling to customers based on trigger as per MIS to understand feedback from customer.- Check if all the information (income, obligations, occupation, requirement etc.) is properly and accurately captured while assessing the loan for customers.- Check for the accuracy of collection of KYC documents, bureau generation, Phone number and geo location of the borrower as per the policy of the bank.- Check if the customers have been acquired from the approved areas or non-negative areas.- Monitor the disbursement process for GL and IL customers at the branch, check if the disbursement kits are handed over the customers after verifying the KYC of the customers.- Ensuring healthy portfolio through regular monitoring of the branches for the adherence of policies and processes.
- InternalControl- Conduct periodic review of adherence to existing credit policies/processes and provide feedback based on field insights & market insights to strengthen the policy & processes and quality customer acquisition.- Ensure accuracy with complete details while reporting the critical observations.- Highlight the issues / deviations /critical observations in the field & escalate issues to supervisor for initiating necessary action as defined in SOP for Disciplinary Proceedings.- Report observations on staff frauds, process lapses, policy lapses and capturing incorrect information as per the process.- Share observations and raise in IDM wherever required. Observations should be documented and highlighted to the concerned parties.- Report customer related issues like sub lending, loan sharing, commission agents etc.- Report on any external factors which shall impact the portfolio quality of the branches.- Prepare an action plan for the branches based on the observations on policy, process and portfolio quality.- Recommend for actions on policy and staff viz new customer acquisition, branch credit limits, House visit authority to branch staff.- High field presence with regular visit to risk branches of assigned cluster, understand the condition & recommend the corrective actions.- Find out insurance related issue, bureau dispute and cash misappropriation cases.- Check whether employee/staff is certified for PD/HV authority.- Cross check for the mandatory supervisory visits with respect to House visits and Center meeting visits have been done.- Check if the Receipt book reconciliation / verification has been conducted by business and collection team on a sample basis.- Check if the