Ankit Gupta

Campus recruitment opportunity for 2027 Passing Out Batch at Muthoot Microfin Limited, the flagship company of Muthoot Pappachan Group (MPG). Established in 1887, MPG is a diversified conglomerate with presence in multiple verticals including financial services, Hospitality, Automotive, Real Estate & Infrastructure, IT services, Healthcare, Precious Metals, Global Services and Alternative Energy.

Relationship Officer - Muthoot Microfin Limited - Pan India

(2027)

The role encompasses compliance and management of group loans, loan appraisal, promotion of products, follow-up on disbursements, and client service delivery.

• Compliance and Management: Carries out the pre and post-loan activities related to Group loans. Presenting the loan applications to the Credit team, portfolio administration, prioritizing the repayment of loans to preserve the portfolio quality.
• Promotion: Promotes new potential clients and eligible clients offering various other products
• Loan Appraisal: Informs potential clients about the requirements, conditions of the IGL Loan products, the procedures to obtain a loan, the importance of the payments on time etc
• Makes sure that the client meets the credit requirements.
• Visits the client's business and home to do the assessment, following the credit policy procedures.
• Analyzes and presents a consistent loan proposal to the Credit team for its approval.
• Informs the client about the Credit team decision
• Follow-up: Follows the loan disbursement process.
• In case of arrears visits clients and guarantors for the loan recovery.
• Informs the BRM or AM about the demand in his/her assigned area as well as on the competition.
• Makes a close follow up of the disbursed loans, especially of the ones not paying on time.
• Responsible for his/her portfolio administration, promoting its growth and keeping it with daily planning and organization of activities
• Client service: Provides a quick and timely service to the clients, making sure that the client's expectations are fulfilled whenever is possible.
• Ensures a good and respectful treatment to the clients and establishes a professional relationship with them, with a long term perspective.
• Guarantees confidential treatment to all the information gathered from the client and of the Institution

Graduation and Post Graduation (2027)