• 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 o 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 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. o Responsible 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. o Guarantees confidential treatment to all the information gathered from the client and of the Institution

·         In the absence of BM the CO has the charge to manage and handle the Branch.

·         CO will be the main point of contact for all credit related issues in the branches assigned to them.

·         They are expected to spend 80%-90% of their time in the field.

·         The credit officers’ main responsibility is to conduct the GRTs, CPV and verification of documentation.

·         CO is also responsible to do any work assigned by the Area Manager.

·         CO is responsible for registers and files updating.

·         CO is responsible for data entry in the system with “zero” errors

·         Prepare cash flow, Data entry, check credit bureau reports, Household visit and KYC Verification.

·         Conduct GRT and approval or rejection of loan proposals of a customer/group based only on merits.

·         Ensuring approval norms & criteria are met.

·         Documentation.

• Responsible for the business growth of the assigned branches.
• Field monitoring and branch administration
• Center meeting analysis and field level document verification
• Consecutive Field and center meeting visits and data analysis
• Branch level Documents verification & ensuring the strict policy adherence
• Physical verification of the branch level documentation and data entry analysis.
• Process verification on periodic intervals
• Tracking the status of Collection demand with actuals
• Collection remittance tracking and data verification
• Analysis and clearance of operational queries in connection with other Supporting departments.
• Audit Analysis – queries Scrutinizing – Compliance submission
• Implementation of motivational programs for clients through CSR Activities
• Providing adequate training to branch level staffs on period intervals in connection with the organizational Updation
• Arrear Analysis – Implementations for balancing the PAR level.
• Area Expansion and portfolio management. Performance analysis and Quality sales.
• Awareness and timely Updation of Organizational goals and analysis of reachability techniques for the same
• Report analysis & Submission of Periodic reports to the concerned authority.
• Recommending the delinquency management strategy, including legal actions against customers and employee when appropriate.
• Capacity Building – Recruiting qualifies and competent operational employees.
• Implementing, Monitoring & Reporting other operational works

·         Ability to identify and set priorities, plan and effectively allocate appropriate resources

·         Basic Knowledge of accounting and finance is desirable

·         Basic Computer knowledge

·         Good Analytical Skills

·         Ability to communicate effectively with all levels

·         Excellent time management skills and be accustomed to working with deadlines.