Relationship Manager

Aye Finance; Buldhana District, Chikhli, Nashik District; On-site; INR 450,000 - 750,000; Full time

Job summary

Aye Finance is seeking a Relationship Manager Upsell (TopUp Loan Vertical) to manage and grow relationships with existing customers in the LAP / Micro LAP product line. You will identify eligible borrowers for renewals and topups, conduct field visits, and coordinate with credit, operations, and legal teams to ensure timely disbursement.

Educating customers about loan features, pricing, and repayment schedules while maintaining strict KYC/AML compliance will be essential to your success.

Qualifications

• Manage and grow relationships with existing customers to drive TopUp / Upsell Mortgage Loans.
• Identify eligible customers from the existing loan portfolio for renewals, enhancements, and topup funding.
• Understand customer needs and offer tailored financial solutions.
• Conduct field visits to assess customer profile and property details.
• Ensure complete documentation collection and verification per credit and compliance norms.
• Maintain accurate reporting and MIS (daily activity, pipeline).
• Follow KYC, AML and risk management guidelines strictly.

Responsibilities

• Manage and grow relationships with existing customers to drive TopUp / Upsell Mortgage Loans.
• Identify eligible customers from the existing loan portfolio for renewals, enhancements, and topup funding.
• Coordinate with credit, operations, and legal teams to ensure smooth disbursement.
• Achieve monthly/quarterly disbursement and revenue targets as defined by management.
• Maintain high-quality portfolio performance by monitoring repayments and minimizing delinquency.
• Adhere strictly to NBFC guidelines, internal policies, and regulatory compliance.
• Build long-term relationships with borrowers to increase repeat business.
• Educate customers about loan features, pricing, tenure, and repayment schedules.
• Engage with customers for cross-sell / upsell opportunities.
• Handle customer grievances and ensure aftersales service.
• Maintain accurate daily activity reports, pipeline tracking, and MIS.
• Share market insights, competitor movements, and customer feedback with reporting managers.
• Follow KYC, AML and risk management guidelines strictly.
• Ensure quality sourcing to maintain low credit losses and healthy portfolio metrics.

Skills

Relationship management

Upsell/sales

Field visits

Documentation

KYC/AML compliance

Portfolio management

Job description

Position: Relationship Manager Upsell (TopUp Loan Vertical)
Product: LAP / Micro LAP (Mortgage Loans)
Industry: NBFC

Core Responsibilities

• Manage and grow relationships with existing customers to drive TopUp / Upsell Mortgage Loans.
• Identify eligible customers from the existing loan portfolio for renewals, enhancements, and topup funding.
• Understand customer business needs and offer tailored financial solutions in line with company policies.
• Conduct field visits to assess customer profile, business stability, and property details where required.
• Ensure complete documentation collection and verification as per credit and compliance norms.
• Coordinate with credit, operations, and legal teams to ensure smooth and timely disbursement.
• Achieve monthly/quarterly disbursement and revenue targets as defined by management.
• Maintain high-quality portfolio performance by monitoring repayments and minimizing delinquency.
• Take proactive steps for followups, closures, and customer query resolution.
• Adhere strictly to NBFC guidelines, internal policies, and regulatory compliance.

Customer & Portfolio Management

• Build longterm relationships with borrowers to increase repeat business and customer retention.
• Educate customers about loan features, pricing, tenure, and repayment schedules.
• Engage with customers for crosssell / upsell opportunities while maintaining ethical selling standards.
• Handle customer grievances and ensure excellent aftersales service.

Reporting & MIS

• Maintain accurate daily activity reports, pipeline tracking, and MIS.
• Share market insights, competitor movements, and customer feedback with reporting managers.

Compliance & Risk Control

• Follow KYC, AML, and risk management guidelines strictly.
• Ensure quality sourcing to maintain low credit losses and healthy portfolio metrics.