Job Description of Field Executive – Microfinance Retail Lending

Role: Field Executive

Qualification: Minimum Graduate

Department: Rural Lending

Experience: Fresher / Experience

Knowledge of local language is must

Grade: E1 to E3 On the Payroll of Quess Corp LTD

Job Description

1. Identification of Villages / Customers

Field Executive to identify good villages on the basis of customer behaviour, repayment history, village connectivity, population, and political stability.

2. Sourcing

- Identification of good customers in allotted villages to assess the creditworthiness of the customer.

- Assist in group formation by associating 4-5 rural women from the same socio-economic background.

- Completing business processing activities through data entry of customer and household (QDE & DDE) and application form filling.

- Conducting core group training on product features, group responsibilities, and repayment norms.

- Renewal of existing clients for repeat loans.

- Managing the customer life cycle from sourcing, servicing, to renewals.

- Taking referrals from existing clients for further sourcing of new clients with good credit profiles.

- Informing customers about loan importance for income generation, good credit history, and group responsibility.

- Addressing customer grievances.

3. Repayment

- Help in death claim settlement and document updation for insurance.

- Create awareness among customers about credit scores and how timely repayments affect them.

- Plan repayment activities.

- With the help of active and good customers, increase customer base in the market.

4. Financial Literacy Campaigns & other Awareness Activities

Apart from business activities, the Field Executive also needs to perform other activities to build and maintain relationships with customers, including:

- Financial Inclusion Activities.

- Financial Literacy Programs.

- Opening of PMJDY accounts.