Field Officer

**Job Purpose**:
To ensure timely and effective collection of dues from Joint Liability Group (JLG) borrowers, maintain portfolio quality, and support the financial institution’s credit discipline.

**Key Responsibilities:1. Collection Management**
- Follow up with JLG customers for timely repayment of EMIs.
- Visit customer locations for field collections and recovery.
- Ensure 100% collection efficiency with mínimal overdue accounts.
- Identify and resolve customer repayment issues proactively.

**2. Portfolio Monitoring**
- Monitor delinquency trends and take corrective action.
- Maintain daily, weekly, and monthly collection records.
- Update the collection system (MIS or mobile app) with real-time data.

**3. Customer Relationship**
- Build and maintain good relationships with customers and group leaders.
- Educate borrowers on repayment schedules and financial discipline.
- Handle disputes or grievances related to collections professionally.

**4. Compliance & Reporting**
- Ensure collections are done as per company policies and regulatory guidelines.
- Submit accurate daily/weekly reports to the reporting manager.
- Handle cash responsibly (if applicable) and deposit as per timelines.

**Key Skills & Competencies**:

- Strong interpersonal and communication skills
- Field collection experience (preferably in microfinance or NBFC)
- Ability to work under pressure and manage deadlines
- Negotiation and conflict-resolution skills
- Familiarity with local geography and languages

**Qualifications**:

- Minimum 10th / 12th pass; Graduation preferred
- 1-3 years of relevant experience in collections (especially JLG or SHG lending)
- Knowledge of microfinance practices and credit systems is a plus

**Working Conditions**:

- Field job with extensive local travel
- Must own a two-wheeler (preferred)
- Willingness to work in rural/semi-urban locations

**Salary**:
As per industry standards + Incentives (based on performance)

**Job Types**: Full-time, Permanent, Fresher

**Benefits**:

- Food provided
- Health insurance
- Life insurance
- Paid sick time
- Provident Fund

Work Location: In person