Associate Relationship Manager-LAP

Idfc First Bank Limited; Jalgaon; On-site; INR 300,000 - 600,000; Full time

Job summary

Idfc First Bank Limited seeks an Associate Relationship Manager-LAP to deepen relationships in Rural Banking and provide mortgage lending solutions. The role focuses on identifying customers' needs, cross-selling LAP products, and driving acquisition while ensuring high service standards.

The position requires working across multiple states with emphasis on meeting loan targets, maintaining compliance, and building lasting household relationships. Prior experience in NBFCs/banking is preferred.

Qualifications

• Graduate degree (full-time) is required
• 12th pass required
• 0–3 years in NBFCs/banking experience preferred

Responsibilities

• Assess and generate revenue by cross-selling opportunities based on customer needs
• Penetrate mortgage business in rural markets through lead generation and account openings
• Map detailed household needs from direct customer interactions
• Conduct end-user checks post loan disbursal and meet monthly/annual targets
• Achieve branch sales goals through new business, referrals and retention
• Prepare loan documentation to minimize queries from Operations/Credit
• Coordinate with operations for timely and accurate data entry
• Ensure compliance with bank requirements
• Suggest process changes to improve service efficiency
• Support livelihood development initiatives

Skills

Relationship management

Cross-selling

Mortgage lending

Customer service

Education

Graduate degree (full-time)

12th standard

Job description

Job Requirements

Job Title – Associate Relationship Manager-LAP

Place of work - 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 the customers. The role bearer has a responsibility to identify mortgage needs of customers and provide appropriate lending solutions ( Loan Against Property) . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.

Roles & Responsibilities

• Assess and evaluate the 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 generations and account opening as per needs of customer
• 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 relationship and maintain high collections efficiency
• Lead preparation of quality documentation of loans to ensure minimum queries / rejections from Operations / Credit teams
• Coordinate with operations officer to ensure timely and accurate data entry
• Ensure compliance as per the bank requirements

Secondary Responsibilities

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

Key Success Metrics

Customer Acquisition targets, Cross sell targets

Educational Qualifications

Graduate-Any-Full Time

12th- Any

Experience

0-3 Years in NBFCs/Banking.