Associate Relationship Manager-PL

IDFC FIRST Bank; Ratlam; On-site; INR 3,50,000 - 6,00,000; Full time

Job summary

A leading financial institution is seeking an Associate Relationship Manager for Personal Loans in Madhya Pradesh. The successful candidate will focus on initiating personal loans in the rural market, assessing customer needs, and achieving set targets. Responsibilities include identifying potential clients, ensuring compliance, and maintaining high collections efficiency. A bachelor's degree is required, along with 0 to 2 years of relevant branch banking experience.

Qualifications

• Graduate in Engineering, Technology, Commerce, Arts, Science, or Management.
• 0 to 2 years of experience in branch banking.

Responsibilities

• Identify business owners in the rural market for loan needs.
• Conduct end-use checks post loan disbursal.
• Achieve monthly and annual loan booking targets.

Skills

Customer relationship management

Business needs assessment

Loan disbursement

Cross-selling

Education

Bachelor's degree in relevant field

Job description

Role/Job Title

Associate Relationship Manager-Personal Loan

Function/Department

Rural Banking

Job Purpose

To Start Personal Loan in Rural Market and service and source the product.

Primary Responsibilities

• Identifying Business owners / entrepreneurs in the defined catchment and identifying / assessing their business loan needs.
• Map out prospects in the town to scope business potential.
• Disburse Personal loans based on needs assessment.
• Conduct end-use checks as specified post disbursal of loans.
• Achieve monthly and annual loan booking targets.
• Cross-sell products and services to both new and as well as existing customers as per their lifestyle, risk profiling and requirements.
• Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer.

Secondary Responsibilities

• Maintain high collections efficiency through discipline and drive.
• Preparation of accurate documentation of loans.
• Coordinate with operations officer to ensure timely data entry.
• Nudge behavioural changes in customers to move towards online banking.
• Ensure compliance as per the bank requirements.

Education Qualification

Graduation: Bachelor’s in Engineering / Technology / Math’s / Commerce / Arts / Science / Biology / Business / Computers / Management.

Experience

0 to 2 years of relevant branch banking experience.