Duties & Responsibilities:

• Responsible for initiation of loan files as instructed by the line manager
• Responsible for sales and recoveries without involving any outside person or activist against sharing of incentives or kickbacks.
• Collect recoveries and increase recoveries
• Evaluate credit worthiness by processing loan applications and documentation within specified limits.
• Ensure recoveries from the clients and control default and delinquency ratio while report the findings to the line manager/branch manager
• Focused on community outreach to increase the visibility of the company and originate quality loan applications.
• Identify market and customers for MF lending under rules and regulations of SBP Prudential Regulations.
• Interview applicants to determine financial eligibility and feasibility of granting loans.
• Assess customer needs, explore all options and introduce different types of loans.
• Develop referral networks; suggest alternate channels and cross-sell products and services.
• Maintain regular contact with the customer to remind them of their loan repayment obligations in a congenial manner and timely update the line manager/branch manager
• Carry out any other task assigned by line manager/branch manager.
• The incumbent shall be responsible to adhere by Company Behaviors & Values in all aspects of his/her work conduct.
• Ensure that a culture of risk and compliance management is implemented, and institute performance measures tied to individual risk and compliance responsibilities.

Requirements:

• Should have a BS Degree
• Should have at least 3 years of relevant experience working with a micro finance or a fintech company
• Should have good communication skills