Micro Loans Officer

• Identify suitable villages within the designated radius for business expansion.
• Conduct comprehensive feasibility studies on potential villages analyzing demographics economic activities and financial needs of the community.
• Collaborate with the Meeting Centre InCharge (MCIC) to obtain approval for entering new villages.

• Identify potential customers and establish Joint Liability Groups (JLGs) to facilitate loan disbursement.
• Assist customers in completing loan application forms accurately.
• Verify applicants residence and business details to ensure compliance with institutional policies.
• Conduct Know Your Customer (KYC) verification procedures.
• Provide predisbursement training sessions to educate customers on loan terms and repayment schedules.
• Develop and maintain relationships with potential customers through regular visits and engagement activities.

• Collect necessary KYC documents from approved applicants.
• Support the MCIC in coordinating and executing loan disbursement activities.
• Ensure proper documentation and adherence to internal policies during the loan disbursement process.

• Receive collection sheets and stickers from the MCIC for efficient tracking of loan repayments.
• Conduct timely groupwise collections as per the scheduled timeline following established protocols.
• Safely deposit collected funds and maintain accurate records.
• Enter collection data into the Management Information System (MERC) for monitoring and reporting purposes.

• Proactively follow up with customers who have overdue payments utilizing updated data reports on assigned portfolios.
• Collect outstanding amounts according to established procedures and protocols.
• Safely deposit recovered funds into the designated bank account.
• Assist the MCIC in initiating appropriate actions against defaulters in line with institutional policies and regulations.

• Bachelor s degree in Finance Business Administration Economics or related field (preferred).
• Proven experience in microfinance operations or similar roles.
• Strong understanding of financial principles and microfinance industry practices.
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Proficiency in local language(s) spoken in the assigned area (if applicable).
• Familiarity with MS Office and relevant software applications.
• Commitment to integrity professionalism and social responsibility.

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