Position Summary: The Field Assistant Trainee in the finance department will support the management and operations of group loan programs by assisting in the collection, monitoring, and documentation of loan transactions. The role will involve working directly with clients, facilitating communication, providing basic financial education, and ensuring the smooth implementation of group loan schemes. This position will provide valuable hands-on experience in financial services, loan management, and customer relationship building within community-based finance structures. Key Responsibilities: Loan Monitoring & Repayment Collection: Assist in tracking loan disbursements and monitoring repayment schedules. Support field staff in collecting repayments from borrowers and ensuring timely payment. Conduct follow-up visits to borrowers who are behind on their payments, providing assistance and guidance where necessary. Client Relationship Management: Build and maintain strong relationships with loan groups and community members. Serve as the primary point of contact for group members, addressing any questions or concerns regarding loan terms, repayment schedules, or financial literacy. Field Data Collection: Assist in gathering relevant data and documentation for new loan applications. Ensure the accurate recording of loan details, borrower information, and repayment history. Financial Education: Support financial literacy initiatives by assisting in the delivery of training and educational materials to loan groups, helping them understand the importance of financial discipline, loan repayment, and savings. Reporting & Documentation: Prepare regular reports on loan activities, including updates on repayment status, group attendance, and any challenges faced in the field. Maintain accurate records of loan applications, approvals, repayments, and other financial transactions. Field Visits & Client Support: Conduct regular field visits to loan groups to assess loan usage, verify the status of loans, and ensure compliance with the loan agreement. Assist clients in resolving any issues related to loans, including repayment issues or understanding loan terms. Team Support: Collaborate with the finance team to ensure smooth operations of loan disbursement and collection processes. Assist senior staff members in various tasks related to loan management and other administrative functions. Travel & Flexibility: Willingness to travel within assigned regions for field visits and borrower interactions. Flexible working hours to accommodate the schedules of loan group meetings and field tasks. Required Skills & Qualifications: Basic understanding of financial concepts and group loan structures. Strong communication skills and the ability to work with diverse groups of people. Excellent attention to detail and organizational skills. Willingness to travel to field locations and work in rural or remote areas. Ability to work independently and as part of a team. Basic computer skills, including knowledge of spreadsheets and word processing software. A proactive and flexible attitude toward problem-solving. Educational Requirements: A minimum of a high school diploma or equivalent. A background in finance, economics, or a related field is a plus.

Bharat Financial Inclusion is looking for Cluster Manager to join our dynamic team and embark on a rewarding career journeyMonitoring the performance of individual branch and identifying opportunities for improvement.Conducting regular store visits and audits to ensure that branches are operating efficiently and effectively.Providing guidance, training, and support to branch managers and staff to help them achieve performance targets.Developing and implementing marketing strategies and initiatives to drive sales and customer engagement across the cluster.Tracking and analyzing sales data and other key metrics to make informed decisions about cluster operations.Collaborating with other departments, such as logistics, finance, and HR, to ensure that branches are adequately supported and resourced.Ensuring that branches are in compliance with company policies and procedures and that they adhere to all legal and regulatory requirements.Building and maintaining strong relationships with key stakeholders, including customers, suppliers, and local communities.Strong leadership and management skills, with experience leading and motivating teams.Strong analytical and problem-solving skills, with the ability to make data-driven decisions and resolve complex issues.Excellent communication and interpersonal skills, with the ability to build and maintain strong relationships with a wide range of stakeholders.

Bharat Financial Inclusion is looking for Divisional Manager to join our dynamic team and embark on a rewarding career journey Delegating responsibilities and supervising business operations Hiring, training, motivating and coaching employees as they provide attentive, efficient service to customers, assessing employee performance and providing helpful feedback and training opportunities. Resolving conflicts or complaints from customers and employees. Monitoring store activity and ensuring it is properly provisioned and staffed. Analyzing information and processes and developing more effective or efficient processes and strategies. Establishing and achieving business and profit objectives. Maintaining a clean, tidy business, ensuring that signage and displays are attractive. Generating reports and presenting information to upper-level managers or other parties. Ensuring staff members follow company policies and procedures. Other duties to ensure the overall health and success of the business.

Bharat Financial Inclusion is looking for Branch Credit Manager to join our dynamic team and embark on a rewarding career journeyCredit Analysis: Assessing the creditworthiness of potential borrowers by analyzing their financial statements, credit history, and repayment capacity.Risk Assessment: Evaluating the level of credit risk associated with different borrowers and determining appropriate credit limits and terms.Credit Policy: Developing and implementing credit policies and procedures to ensure consistency and compliance with internal guidelines and industry regulations.Credit Underwriting: Approving or declining credit applications based on the risk assessment and established criteria.Credit Monitoring: Monitoring the credit performance of existing borrowers and taking proactive measures to address potential delinquencies or defaults.Debt Recovery: Overseeing debt collection efforts and working with collection agencies if necessary to recover outstanding debts.Customer Relationship Management: Building and maintaining relationships with customers or clients to understand their credit needs and address any credit-related concerns.Credit Reporting: Reporting on credit-related metrics and performance to senior management or relevant stakeholders.Collateral Management: Evaluating and managing collateral provided by borrowers to secure credit facilities.

Bharat Financial Inclusion is looking for Assistant Branch Manager to join our dynamic team and embark on a rewarding career journey Direct all operational aspects including distribution operations, customer service, human resources, administration and sales Assess local market conditions and identify current and prospective sales opportunities Develop forecasts, financial objectives and business plans Meet goals and metrics Manage budget and allocate funds appropriately Bring out the best of branchs personnel by providing training, coaching, development and motivation Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs Address customer and employee satisfaction issues promptly Adhere to high ethical standards, and comply with all regulations/applicable laws Network to improve the presence and reputation of the branch and company Stay abreast of competing markets and provide reports on market movement and penetration

Bharat Financial Inclusion is looking for Human Resources (HR) to join our dynamic team and embark on a rewarding career journey Identifying manpower requirements, taking them up to the HR Head for approval Creating job descriptions for required manpower, advertising them to get best candidates and handling the employment process Creating and managing schedules, meetings, interviews, and other HR activities Reviewing CVs, shortlisting candidates and assisting in the recruitment process Liasioning with external recruitment agencies for closing positions on time Handling the orientation of new employees Conducting training sessions for old and new employees of the organization Ensuring that the employees are satisfied with their role in the organisation, the work environment Handling performance management procedure and appraisals is a key task in hr executive job description. Maintaining records, attendance and data of each employee and providing them to the management team when required Conducting exit interviews with outgoing employees. Handling employee grievances, if any and updating the employees with policies, compliances, and regulations Overseeing safety and health of the employees Handling the orientation of new employees is one of the key points that should be included in all hr executive job description Conducting SWAT analysis of each employee and counselling them on the areas that need improvement Handling and managing data/records of each employee of the organization.

Bharat Financial Inclusion is looking for Territory Manager to join our dynamic team and embark on a rewarding career journey Developing territory business plans that will grow the business Developing and maintaining customer relationships Monitoring and analyzing market trends to identify new opportunities Meets regularly with regional clients Observes competitor strategies within the assigned region Responds to regional client needs with solutions from the company Monitor competition within assigned region Conducting surveys to better understand customer needs. Build and foster strong customer relationships within a particular region. Design strategies aimed at growing regional revenue by satisfying customer needs and special requests. Use consumer research to maximize potential revenues and gain the loyalty of their clientele

Bharat Financial Inclusion is looking for Internal Audit to join our dynamic team and embark on a rewarding career journeyResponsible for providing independent and objective assessments of the company's financial, operational, and compliance controls.Conduct risk assessments to identify and evaluate areas of potential risk to the companyDevelop and execute audit programs to test the effectiveness of internal controls and compliance with policies and proceduresDocument audit findings and recommendations in a clear and concise mannerCommunicate audit results to management and recommend solutions to address identified deficiencies

Bharat Financial Inclusion is looking for Cluster Business Manager-MSME to join our dynamic team and embark on a rewarding career journeyA Business Manager is responsible for overseeing the day-to-day operations of a company or organization. Their main objective is to ensure that the business runs smoothly, achieves its goals and meets its financial targets.Here is a list of key responsibilities for a Business Manager:1.Develop and implement business strategies: The Business Manager will work with the management team to develop and implement effective strategies that align with the organization's goals and objectives.2.Operations management: The Business Manager is responsible for ensuring that all operations are running smoothly and efficiently, including production, distribution, and customer service.3.Human resources management: This includes recruiting, training and managing staff, as well as creating a positive workplace culture.4.Risk management: The Business Manager must identify potential risks to the business and develop strategies to mitigate these risks.5.Customer relationship management: The Business Manager is responsible for maintaining strong relationships with customers and ensuring customer satisfaction.6.Market analysis: The Business Manager must stay up-to-date with industry trends and market conditions to make informed decisions about the business.7.Negotiations: The Business Manager may be required to negotiate contracts, prices and deals with suppliers, partners and customers.The ideal candidate for a Business Manager position should have excellent leadership and organizational skills and relevant experience in business management.

Bharat Financial Inclusion is looking for Accounts & Finance Professional to join our dynamic team and embark on a rewarding career journey Complying with all company, local, state, and federal accounting and financial regulations. Compiling, analyzing, and reporting financial data. Creating periodic reports, such as balance sheets, profit & loss statements, etc. Presenting data to managers, investors, and other entities. Maintaining accurate financial records. Performing audits and resolving discrepancies. Computing taxes. Keeping informed about current legislation relating to finance and accounting. Assisting management in the decision-making process by preparing budgets and financial forecasts.

Bharat Financial Inclusion is looking for Branch Manager to join our dynamic team and embark on a rewarding career journey Direct all operational aspects including distribution operations, customer service, human resources, administration and sales Assess local market conditions and identify current and prospective sales opportunities Develop forecasts, financial objectives and business plans Meet goals and metrics Manage budget and allocate funds appropriately Bring out the best of branchs personnel by providing training, coaching, development and motivation Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs Address customer and employee satisfaction issues promptly Adhere to high ethical standards, and comply with all regulations/applicable laws Network to improve the presence and reputation of the branch and company Stay abreast of competing markets and provide reports on market movement and penetration

Bharat Financial Inclusion is looking for Loan Officer to join our dynamic team and embark on a rewarding career journeyEvaluate loan applications and determine the borrower's creditworthiness and ability to repay the loan. Assist clients in understanding loan options and provide guidance throughout the application process. Analyze financial statements, credit reports, and other documentation to make informed lending decisions. Determine loan terms, such as interest rates and repayment schedules, and communicate them to clients. Negotiate loan terms with clients and provide recommendations to management regarding loan approvals and denials. Build relationships with clients and ensure that all loan applications are processed in a timely and efficient manner. Maintain accurate and up-to-date records of all loan applications and related documentation. Ensure compliance with all applicable lending regulations and policies. Continuously monitor loan portfolios and identify opportunities for risk management and improvement. Proficiency in Microsoft Office and loan management software. Strong communication and interpersonal skills.

Bharat Financial Inclusion is looking for Cluster Manager-Credit to join our dynamic team and embark on a rewarding career journeyMonitoring the performance of individual branch and identifying opportunities for improvement.Conducting regular store visits and audits to ensure that branches are operating efficiently and effectively.Providing guidance, training, and support to branch managers and staff to help them achieve performance targets.Developing and implementing marketing strategies and initiatives to drive sales and customer engagement across the cluster.Tracking and analyzing sales data and other key metrics to make informed decisions about cluster operations.Collaborating with other departments, such as logistics, finance, and HR, to ensure that branches are adequately supported and resourced.Ensuring that branches are in compliance with company policies and procedures and that they adhere to all legal and regulatory requirements.Building and maintaining strong relationships with key stakeholders, including customers, suppliers, and local communities.Strong leadership and management skills, with experience leading and motivating teams.Strong analytical and problem-solving skills, with the ability to make data-driven decisions and resolve complex issues.Excellent communication and interpersonal skills, with the ability to build and maintain strong relationships with a wide range of stakeholders.

Bharat Financial Inclusion is looking for General Manager to join our dynamic team and embark on a rewarding career journeyOverseeing daily business operations.Developing and implementing growth strategies.Improving revenue.Hiring employees.Evaluating performance and productivity.Researching and identifying growth opportunities.Generating reports and giving presentations.Good knowledge of different business functions.

Bharat Financial Inclusion is looking for Retail Branch Manager to join our dynamic team and embark on a rewarding career journey Direct all operational aspects including distribution operations, customer service, human resources, administration and sales Assess local market conditions and identify current and prospective sales opportunities Develop forecasts, financial objectives and business plans Meet goals and metrics Manage budget and allocate funds appropriately Bring out the best of branchs personnel by providing training, coaching, development and motivation Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities Share knowledge with other branches and headquarters on effective practices, competitive intelligence, business opportunities and needs Address customer and employee satisfaction issues promptly Adhere to high ethical standards, and comply with all regulations/applicable laws Network to improve the presence and reputation of the branch and company Stay abreast of competing markets and provide reports on market movement and penetration

Bharat Financial Inclusion is looking for Relationship Officer to join our dynamic team and embark on a rewarding career journeyBuilding and maintaining strong relationships with clients and customers, regularly communicating with them to understand their needs and provide appropriate solutions.Responding to customer inquiries and complaints in a prompt and professional manner, and resolving any issues that ariseActively seeking new business opportunities and conducting sales presentations to potential clientsCollaborating with other departments such as product development, marketing, and operations to ensure customer needs are met and exceededMaintaining accurate records of customer interactions and transactionsIdentifying trends in customer behavior and providing insights to the organization on ways to improve customer satisfaction.Ensuring compliance with company policies and procedures and regulatory requirementsParticipating in team meetings and contributing to the overall success of the organization.Excellent communication and interpersonal skills, including the ability to build rapport and trust with customers.Strong problem-solving and decision-making skills

Bharat Financial Inclusion is looking for Territory Business Manager - MSME to join our dynamic team and embark on a rewarding career journeyA Business Manager is responsible for overseeing the day-to-day operations of a company or organization. Their main objective is to ensure that the business runs smoothly, achieves its goals and meets its financial targets.Here is a list of key responsibilities for a Business Manager:1.Develop and implement business strategies: The Business Manager will work with the management team to develop and implement effective strategies that align with the organization's goals and objectives.2.Operations management: The Business Manager is responsible for ensuring that all operations are running smoothly and efficiently, including production, distribution, and customer service.3.Human resources management: This includes recruiting, training and managing staff, as well as creating a positive workplace culture.4.Risk management: The Business Manager must identify potential risks to the business and develop strategies to mitigate these risks.5.Customer relationship management: The Business Manager is responsible for maintaining strong relationships with customers and ensuring customer satisfaction.6.Market analysis: The Business Manager must stay up-to-date with industry trends and market conditions to make informed decisions about the business.7.Negotiations: The Business Manager may be required to negotiate contracts, prices and deals with suppliers, partners and customers.The ideal candidate for a Business Manager position should have excellent leadership and organizational skills and relevant experience in business management.

Bharat Financial Inclusion is looking for Teller to join our dynamic team and embark on a rewarding career journeyCustomer Interaction: Greet customers, assist with their banking needs, and provide exceptional customer service.Inquiries: Respond to customer inquiries, address concerns, and provide information on banking products and services.Cash Handling:Cash Transactions: Process various cash transactions, including deposits, withdrawals, and check cashing.Currency Exchange: Handle foreign currency exchange and provide accurate exchange rates.Banking Transactions:Account Management: Assist customers with account-related tasks, such as balance inquiries, account transfers, and statement requests.Security:Security Measures: Adhere to security and compliance procedures, including verifying customer identification and detecting counterfeit currency.Records and Documentation:Documentation: Maintain accurate records of daily transactions and reconcile cash drawer at the end of each shift

Bharat Financial Inclusion is looking for Territory Manager-Credit to join our dynamic team and embark on a rewarding career journey Developing territory business plans that will grow the business Developing and maintaining customer relationships Monitoring and analyzing market trends to identify new opportunities Meets regularly with regional clients Observes competitor strategies within the assigned region Responds to regional client needs with solutions from the company Monitor competition within assigned region Conducting surveys to better understand customer needs. Build and foster strong customer relationships within a particular region. Design strategies aimed at growing regional revenue by satisfying customer needs and special requests. Use consumer research to maximize potential revenues and gain the loyalty of their clientele

Bharat Financial Inclusion is looking for Unit Manager to join our dynamic team and embark on a rewarding career journeyManaging day-to-day operations of the unit.Developing and implementing policies and procedures to ensure efficient and effective operations.Hiring, training, and managing a team of employees, providing feedback, coaching, and development opportunities as necessary.Setting performance goals and expectations for employees, and regularly reviewing progress toward those goals.Monitoring and analyzing key performance indicators (KPIs) to identify areas for improvement and make data-driven decisions.Ensuring compliance with relevant laws, regulations, and industry standards.Identifying and implementing process improvements to increase efficiency and productivity.Managing budget and resources effectively, ensuring that expenses are within budgetary constraints.Proven experience in leadership and management roles.Attention to detail, problem-solving skills, and the ability to manage multiple priorities.