Deputy Relationship Manager LAP

Key Responsibilities

• Achieve assigned targets for sales & regular collection
• Conduct marketing activities (leafleting, canopy, etc.) to identify new sources of business
• Handle customer queries, build customer relationships, and develop brand value
• Co-ordinate with Operations & Collection departments for customer onboarding and servicing
• Conduct physical verification of customer's residence, business, and assets, including taking photographs
• Follow instructions from seniors and coordinate with internal teams for visit reports
• Visit customers for first FI (Field Investigation) and meetings, and accompany seniors on customer visits
• Conduct physical verification of credit-related documents (ITR, Bank statement, receipts, ledger, property documents) – performing OSV (Original Seen and Verified)
• Prepare basic CAM (Credit Appraisal Memo)
• Conduct customer reference checks in the local market and with existing customers
• Follow bank policies & procedures
• Portfolio Management: visit delinquent cases and collect EMIs in collaboration with the collections team
• Maintain and stop early delinquency and non-starter cases in the portfolio, deciding appropriate treatment
• Maintain and ensure timely clearance of least OTC (Over the Counter) / PDD (Pending Document Delivery) pendency
• Maintain non-RPDC (Recurring Direct Debit) portfolio, ensuring all cases are ACH (Automated Clearing House)
• Collect fresh bouncing case EMIs with charges as per policy
• Correct operational errors and achieve 100% repayment in Non-PDC mode
• Collect fresh data from open marketing activities for tele-calling and self-sourcing
• Follow leads generated from data received from the telemarketing team
• Complete documentation, file agreements, formats, and other formalities for disbursement of cases
• Clear queries from credit, operations, legal, valuation, etc.
• Timely submit daily MIS and sourcing data to the reporting authority

Additional Responsibilities

• Provide true and fair opinion based on customer interaction
• Clarify final ROI (Rate of Interest), fees, charges, and all other terms of the case
• Maintain decency and good behavior while dealing with customers and visiting properties, especially while taking photos (with customer permission)
• Conduct customer reference checks with sincerity and maturity, ensuring client goodwill is not hampered and financial/personal information is not disclosed to third parties

Requirements & Tech Stack

• Digital business apps and software
• Familiarity with Digital applications
• Own Smartphone

Qualifications

• Industry: BFSI
• Role: Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer
• Years of experience: 0 to 3
• Aptitude for lead generation
• Target Market Knowledge - Local Area geography familiarity
• Detailed data collection/recording
• Professional Communication: Regional language proficiency, verbal and written fluency, soft-spoken
• Relationship Management: Client-Centric Approach, respectful
• Sales Forecasting & Reporting
• Physical Fitness
• Mental agility
• Ability to do extensive field travel/work
• Ability to handle work pressure and demanding clients
• Valid Two-Wheeler Driving License
• Personal 2-wheeler
• Track record of past employment
• Positive reference check and clear civil report

Required Competencies

• Ownership and accountability for results
• Customer-centric mindset and actions
• Hard work and detail-orientation
• Eager to learn and grow as a banking professional
• Positive mindset, ethical and high integrity
• Bias for Action and Urgency

Work Environment Details

• Travel: High
• Vehicle: 2-wheeler
• Work Environment: 90% - Field, 10% - Office

Other Details

• Contract Type: Permanent
• Time Constraints: Flexible work hours as per business requirement
• Compliance Related:
• Adherence to Code of Conduct policy of the bank
• Non-disclosure of confidential information about the bank and clients
• Responsible handling of bank assets (e.g., ID Card, SIM, Marketing material, digital devices, Receipt book)