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Client Sales Officer

3:06:00 PM
Jagdhan Finance and Investment Limited is a new urban MFI based in Mumbai that aims to become a significant player in urban microfinance. Its approach is to develop an in-depth understanding of the needs of low income households, and to use flexible approaches and delivery mechanisms to provide increased financial access to such families. Its mission is to provide affordable, convenient and timely financial services to low income urban clientele in a financially sustainable manner.
About the Job: 
Jagdhan Finance and Investment Limited is seeking a Client Sales Officer. S/he will be responsible for mapping new operational areas and conducting basic market survey and analysis as per operations policy.
Tasks and Responsibilities: 
  • Undertake product marketing in appointed area of operations by conducting client meeting, issuing pamphlets, and other methods;
  • New borrower identification and induction:
    • Identify potential new group and individual borrowers;
    • Conduct a thorough introduction of the organization and its products and services to potential clients;
    • Assist borrowers in group formation.
  • Information as required for credit bureau check is collected from the prospective client and shared with back office in the specified format;
  • Documentation:
    • Verify and collect relevant KYC documents (copies of proof of identity and address) from the prospective clients as per operations policy;
    • Fix appointment for filling application form at client’s house and complete the loan application form and cash flow form as per operations policy in presence of the client and guarantor;
    • Ensure that the documentation is delivered to the head office as per the procedures in the operations policy.
  • Coordinate the visit of regional manager for assessment process. Communicate the outcome of the assessment back to clients on a timely manner;
  • Loan disbursement:
    • Fix loan disbursement days viz-a-viz based on client interactions and with head office for each operational area;
    • Follow up with head office for status and collect the completed loan agreements;
    • Ensure that the loan contract is executed on the day of disbursement and that the client has received their loan card with detailed repayment schedule;
    • Collect loan processing fee and issue receipts immediately;
    • Ensure that all guarantors have signed the contract;
    • Re-confirm that the borrower and guarantor both have understood the repayment terms and conditions and schedule properly.
  • Conduct post loan utilization at client level and report for any deviations to regional manager;
  • Get the list of delinquent clients from service officers and follow up with delinquent borrowers.  
Qualifications: 
  • Higher secondary pass;
  • Good flair of numbers, analytical ability;
  • Expected to demonstrate the highest degree of honesty and integrity at all times.
Closing Date: 07 Jun 2014
How to Apply:
Interested candidates can send their resume to hr@amil.co.in
Contact:
Urmila Kadu
hr@amil.co.in
15/3, 2nd Floor, Chandrodaya CHS,
S G Barve Marg
Mumbai
Maharashtra
400071
India
Telephone: 022 25271552

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