Field Officer (FO)

Base office : Branch of SAJIDA Microfinance Reports To : Branch Manager Employment Type : Full-time Job summary. A Field Officer (FO) is primarily responsible for managing a portfolio of SAJIDA Micro Loan (SML), which involves marketing/surveying, group formation, loan origination, loan disbursement, weekly/biweekly/monthly instalment collection, delinquency management & administrative work. The position requires regular field visits to monitor group activities, maintain accurate records, and ensure adherence to organizational policies and rules. Key responsibilities

1. Group management: • Surveying/marketing organization’s product line in potential areas to find potential clients daily. • Organizing potential clients, giving them orientation training before forming the group. • Forming new groups with a minimum of 10 potential clients, forming a group management committee, verifying each client to confirm their creditworthiness, and filling out an admission form to admit them to the group. • Overseeing 3-5 groups per day, managing 15-20 groups per week with 15-25 members in each group. Recruit new clients on a daily basis. • Conducting group meetings timely daily, updating passbooks & group resolution book, ensuring signatures, following up with overdue & ensuring group responsibility to manage overdue. • Providing financial literacy training to the group members to train them on loan utilization, loan sharing, loan increment, new product line & holidays.
2. Loan and financial management: Achieving the organization’s set targets regarding Key Performance Indicators (KPIs), such as several clients, portfolio outstanding & Portfolio at Risk (PAR). Originating loans, filling up loan application forms, verifying the clients & guarantors, and getting approval from the Branch Manager. Submitting approved loan application forms to the Branch accountant at least a day before the disbursement, ensuring the exact clients get the loan, & orient the client on the loan amount, weekly installment amount, fees & charges, security amounts & necessary documentation. Realizing weekly loan instalments & advances from group members, recording them on the respective client’s passbook & group resolution book. Securely protecting the realized amount while transporting it to other groups & back to the office. Updating the exact loan installment realization via the mobile app at the group & syncing the installment into the system when back in the office. Depositing loan installment realization & advance realization to the accountant in time, writing the cashbook & g on the depositor’s space for the amount deposited. Processing security return & security adjustment in the presence of the client, g on the security return register for each security adjustment & security return. Maintain accurate loan-related forms and registers daily, avoiding corrections with white ink.
3. Administrative duties Mastering the organization’s mission, vision & values to practice