Latest Jobs at Digitvant Microfinance Bank

• We are looking for a results-driven and customer focused SME Loan Officer to join our team and play a key role in supporting entrepreneurs and growing businesses.

Key Responsibilities:

• Identify and evaluate prospective SME clients through field visits, referrals, and partnerships.
• Conduct credit appraisals, financial analysis, and risk assessments of loan applicants.
• Prepare and present loan proposals to the credit committee.
• Monitor and manage loan portfolios to ensure timely repayments and portfolio quality.
• Build and maintain strong relationships with SME clients, offering financial advisory support.
• Ensure compliance with internal policies, lending procedures, and regulatory requirements.
• Generate regular reports on loan performance and portfolio health.

Requirements:

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• Minimum of 4 years' experience in SME lending, preferably in a microfinance, fintech, or commercial banking environment.
• Strong analytical, communication, and negotiation skills.
• Good understanding of financial statements and business analysis.
• Proficiency in using loan management software and Microsoft Office tools.
• Ability to work independently and meet targets under pressure.
• Knowledge of the local SME ecosystem.
• Strong interpersonal skills and a customer-first mindset.
• Attention to detail and commitment to compliance.

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Job Summary:

• The Deposit Mobilization Officer is responsible for driving the acquisition of deposit funds from both new and existing clients, including individuals, SMEs, cooperatives, and corporate entities. This role is focused on developing and maintaining long term relationships that support the organization's funding goals, particularly in a microfinance environment.

Key Responsibilities:

• Develop and implement strategies to attract fixed deposits, savings, and other products from retail and institutional clients.
• Identify, engage, and convert potential depositors through field visits, networking, referrals, partnerships, and digital campaigns.
• Build strong relationships with high net worth individuals (HNIs), businesses, cooperatives, religious and professional bodies, etc.
• Cross sell deposit products and ensure consistent customer engagement to retain funds.
• Maintain updated knowledge of industry deposit rates and competitor offerings to position the organization competitively.
• Ensure all deposit mobilization activities comply with internal policies and regulatory requirements.
• Track deposit performance and prepare periodic reports on targets, leads, conversions, and renewals.
• Coordinate with internal teams (e.g., Operations, Audit& Compliance) to ensure seamless onboarding and satisfaction of deposit clients.

Key Competencies:

• Goal oriented and highly motivated
• Strong interpersonal and persuasion skills
• Market knowledge and customer insight
• Digital literacy
• Strategic thinking and problem solving skill

Requirement:

• 3 to 5 years' experience in Deposit Mobilization in a Microfinance Bank, Fintech, or Commercial banking environment.
• Strong analytical, communication and negotiation skills.
• Good understanding of financial statements and business analysis.
• Ability to work independently and meet targets under pressure.
• Knowledge of the local SME ecosystem.
• Strong interpersonal skills
• Attention to detail and commitment to compliance.