Associate Relationship Manager-LAP

Location: Rajasthan/Gujarat/Karnataka/Madhya Pradesh/Chhattisgarh/Odisha/Andhra Pradesh

Business Unit: Rural Banking

Function: Retail Assets

Job Purpose

The role entails deepening relationships with Rural Banking accounts and ensuring best-in-class service to customers. The role holder is responsible for identifying mortgage needs of customers and providing appropriate lending solutions (Loan Against Property). The role holder is responsible for driving client acquisition, building household-level customer relationships, and capitalizing on lifetime value in each relationship to achieve larger organizational goals.

Key Responsibilities

• Assess and evaluate client needs and generate new sources of revenue by leveraging cross-sell opportunities as per their lifestyle, risk profiling, and requirements.
• Contribute to penetration of mortgage business in Rural markets through lead generation and account opening as per customer needs.
• Spearhead mapping of detailed household needs based on direct customer interactions.
• Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
• Achieve individual and branch sales goals through new business sales, referrals, and retention of account relationships, and maintain high collections efficiency.
• Lead preparation of quality documentation of loans to ensure minimum queries/rejections from Operations/Credit teams.
• Coordinate with operations officers to ensure timely and accurate data entry.
• Ensure compliance as per bank requirements.

Secondary Responsibilities

• Recommend process changes to improve service efficiency and quality across the branch network.
• Provide support for the implementation of livelihood advancement and community development initiatives.

Key Success Metrics

• Customer Acquisition targets
• Cross-sell targets

Qualifications

• Graduate - Any - Full Time
• 12th - Any

Experience

• 0-3 Years in NBFCs/Banking.