ট্রেইনি কমিউনিটি ডেভেলপমেন্ট অফিসার (টিসিডিও)

চাকরির বিবরণ

Organizing and managing Dabi clients to facilitate transactions within the village organization and contribute to expand the portfolio of the branch.

দায়িত্ব

• Ensure daily loan and savings instalment collection of the Total 400-500 borrowers, 2 Crore portfolio, and manage almost 800 Savers.
• Conduct survey, Identifying the potential households, selecting members as on members’ criteria, forming VO after initial screening from the survey list of potential members.
• Ensure effective customer service to the members and borrowers.
• Awareness building, product Promotion, market survey
• Make the members understand the rules & regulations of BRAC clearly through building a good relationship with the members.
• Keeping appropriate record of transaction in borrower’s pass book. Arrange verification of all the passbooks every three months.
• Prepare loan schemes with the concern of VO committee, group leaders and members.
• Analyze past records of the proposed loan schemes of the existing borrowers regarding repayment performance, admission form, loan application form. Do the repayment capacity analysis properly and recommend for the loan and coordinate for approval process as per the monthly target of 40-50 lac.
• Complete disbursement by 2:00pm Daily.
• Ensure missed instalment collection and over dues in the afternoon.
• Give update information and ensure to on board of pilot project and every campaign to the members in group meeting.
• Strictly follow the circulars. Review the performance Daily & weekly basis if it is in accordance with the given target plans or not.
• Give daily cash requisition. Deposit the collected amount of instalment, savings and fees to the accounts and synchronize the TAB for daily collection.
• Fill up all forms, registers and take necessary steps to preserve in files.
• Create an enabling environment for all the staffs working in the office.
• Attend staff meeting in every week, update reports on target and achievement.
• Share idea about field operation and give feedback.
• Listen to the challenges and overcome process from other staffs and cooperate with them.
• Analyze every day reports of the VOs.
• Keep up to date information/knowledge of other MFIs products and services.

যোগ্যতা

• Strong client relationship management and communication skills to build trust and provide effective customer service.
• Ability to assess potential clients, conduct household surveys, identify suitable borrowers and form effective VOs.
• Ability to analyze borrower records, repayment performance, loan applications, and repayment capacity to recommend appropriate loans.
• Strong cash handling, transaction recording, documentation, and reporting skills with attention to accuracy.
• Ability to manage overdue collections, address borrower challenges, promote products, and achieve portfolio and collection targets.
• Knowledge of microfinance products, loan and savings operations and BRAC Microfinance policies and procedures.
• Knowledge of client selection, Village Organization (VO) formation, loan appraisal, repayment procedures and savings management.
• Knowledge of basic financial analysis, including repayment capacity, portfolio management, overdue management and client indebtedness.
• Knowledge of local market conditions, competing MFI products and services and community-level socioeconomic dynamics.
• Knowledge of safeguarding principles, reporting procedures and safe working practices.
• Demonstrates ownership in achieving collection, disbursement, savings, and portfolio targets while maintaining operational standards.
• Builds positive relationships with clients, understands their needs, provides appropriate support, and promotes responsible financial practices.
• Identifies field-level challenges such as default, migration, fraud, or over-indebtedness and takes timely and appropriate action.
• Handles client funds and records responsibly, follows BRAC policies and circulars, and maintains transparency in all transactions.
• Cooperates with colleagues, shares field insights, supports team members, and contributes to a positive working environment.
• Remains effective while dealing with challenging weather, geographical constraints, community uncertainty, festivals, and difficult client situations.

সুবিধা

• Others