Relationship Officer

**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.
- 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)**
:
**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.

**Salary**: ₹14,609.00 - ₹19,103.00 per month

**Benefits**:

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

Schedule:

- Morning shift

Supplemental Pay:

- 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**

+91-XXXXXXXXXX