Credit Officer - Remote, India - Kiara Microcredit Private Limited
Description
Key Responsibilities:
Conduct visits to all clients in the morning to authenticate the Client Profile Verification (CPV) forms completed by the Field Officer (FO).
Assess the creditworthiness and financial stability of applicants through comprehensive analysis of their financial statements, credit history, and collateral (if applicable).
Conduct three surprise visits to the loan collection centers (SCV) weekly.
Collect monthly loan installments from clients and submit reports in the prescribed format.
Monitor compliance with loan repayment schedules and identify any irregularities or issues.
Collect cash from Field Officers in the afternoon, along with due sheets and daybook entries.
Coordinate with the Branch Manager and Field Officer to deposit cash in the bank.
Maintain accuracy and transparency in cash handling procedures.
Maintain the petty cash fund, ensuring proper documentation of expenses, and reconcile and submit weekly petty cash accounts to the Accounts Department.
Accompany the Branch Manager during loan disbursements, capture and store photographs of the disbursement with BM and CO present, and send them to the Head Office on the same day.
Prepare daily collection and disbursement reports and submit the reports to the Finance Department at the Head Office
Prepare details for High Mark Credit information in the afternoon and hand over the details to the Branch Manager for report extraction.
Safeguard and manage cheque leaves received from the Head Office for loan disbursement, petty cash replenishment, or other authorized purposes.
Qualifications and Skills:
- Min. 2 years experience in microfinance (JLG) highly desirable.
- Strong analytical skills with the ability to interpret financial statements and assess creditworthiness.
- Familiarity with regulatory requirements and compliance frameworks in the microfinance industry.
- Excellent communication and interpersonal skills
Requirement:
Two wheeler and License must.
Salary:
₹19, ₹22,000.00 per month
Benefits:
- Health insurance
Schedule:
- Day shift
Experience:
- Credit: 2 years (preferred)
More jobs from Kiara Microcredit Private Limited
-
Receptionist Female
Coimbatore, Tamil Nadu, India - 2 weeks ago
-
Mfi - Field Officers
Ganapathi, Coimbatore, Tamil Nadu, India - 2 days ago
-
Relationship Officer-vehicle Loan
Remote, India - 6 days ago
-
Front Office Assistant
Coimbatore, India - 2 weeks ago
-
Driver
Rs Puram, Coimbatore, Tamil Nadu, India - 2 weeks ago
-
Production Planning Assistant
Coimbatore, India - 2 weeks ago