Fresher Field Sales Executive - Saksham

About the Role

SMFG India Credit is looking to hire fresh graduates for a field-focused sales role in Madurai. The position supports sourcing, customer acquisition, loan processing support, collections follow-up, and compliance-driven field operations across multiple lending and insurance products.

What You’ll Do

• Identify and approach potential customers for self-help group loans, personal loans, two-wheeler loans, mortgage loans, and insurance products.
• Carry out field prospecting through village-level surveys, center meetings, and visits to local markets.
• Work toward monthly business and disbursement goals for the assigned products.
• Visit customer homes and verify information to understand profile details, income, and repayment ability.
• Develop and maintain strong working relationships with village communities, panchayat representatives, and local influencers.
• Support customers with documentation, including KYC papers and application forms.
• Complete pre-loan and post-loan checks, reference verification, and assessments such as cash flow review for active businesses and residential CPVs.
• Coordinate with the branch credit team to ensure file completeness and loan approval processing.
• Help ensure timely instalment collection through center meetings and field visits.
• Spot potential fraud, risk indicators, and high-risk cases, and escalate them to the credit team.
• Track delinquency levels and help keep PAR within acceptable thresholds.
• Follow up with overdue customers and assist with recovery efforts.
• Support NPA management through field resolution efforts and customer counselling.
• Meet insurance penetration targets set by the organization.
• Follow RBI guidelines, NBFC policies, KYC rules, and audit requirements in full.
• Keep accurate records of field visits, customer interactions, and collections on time.
• Take part in branch reviews, audits, and training sessions.
• Operate with strong ethics and protect customer and company data confidentiality.

About the Company

SMFG India Credit Co. Ltd., formerly Fullerton India Credit Co. Ltd., is an RBI-registered NBFC-ICC and part of the SMBC Group. Established in India in 2007, the company has grown into a large pan-India lender serving underserved and unserved communities through a wide branch network and deep market reach.

Additional Information

This is a fresher hiring opportunity based in Madurai, India. The role is designed for candidates willing to work extensively in the field and engage directly with customers across rural and semi-urban locations.