Relationship Manager

Incetto Business Solutions; Chennai District, Coimbatore District, Bengaluru; On-site; INR 400,000 - 650,000; Full time

Job summary

IBSFINCORP seeks a Relationship Manager to drive business development, build and manage channel partners, and acquire customers for secured lending products in Chennai. The role focuses on LAP and other loan segments, with a target-driven approach and strong CRM discipline.

The RM will empanel CPs, visit customers on-field, coordinate with Credit/Operations, and ensure timely disbursements while maintaining regulatory compliance and data integrity.

Responsibilities

• Achieve monthly Login and Disbursement targets assigned by the company.
• Generate new business through direct sales, Channel Partners (CPs), referrals, and self-sourcing.
• Focus on secured lending products including LAP, Home Loans, Construction Loans, Working Capital Loans, Business Loans, and Balance Transfer.
• Maintain a healthy sales pipeline to ensure consistent business achievement.
• Identify, empanel, and activate new Channel Partners (Builders, DSAs, Property Consultants, Chartered Accountants, Architects, Financial Consultants, etc.).
• Empanel a minimum of 2 new Channel Partners every month.
• Build long-term relationships with active CPs.
• Meet prospective customers through field visits and scheduled appointments.
• Understand customer financial requirements and recommend suitable loan solutions.
• Maintain regular follow-up until loan disbursement.
• Maintain a minimum 70% LAP contribution in monthly business.
• Promote all company loan products based on customer requirements.
• Maximize profitability through the recommended product mix.
• Generate repeat business from existing customers.
• Drive referral business through satisfied customers and Channel Partners.
• Achieve RRP activation equal to 20% of monthly book size.
• Maintain regular engagement with past customers.
• Collect complete customer documentation before login.
• Ensure document accuracy and completeness.
• Coordinate with Credit and Operations for smooth processing.
• Comply with all company SOPs and lending guidelines.
• Ensure customer confidentiality and regulatory compliance.
• Update every customer interaction in CRM.
• Record meeting outcomes and follow-up actions.
• Maintain accurate customer data.
• Track lead status until closure.
• Submit daily activity updates and maintain CRM hygiene.
• Coordinate with ASM, VRM, Credit, Operations, and Marketing teams.
• Resolve customer queries promptly.
• Escalate issues affecting customer experience or business timelines.

Skills

Business Development

Channel Partner Management

Customer Relationships

CRM Software

Tools

CRM Software

Job description

IBSFINCORP - Key Result Areas (KRA)

Relationship Manager (RM)

Key Responsibilities

1. Business Development & Sales

• Achieve monthly Login and Disbursement targets assigned by the company.
• Generate new business through direct sales, Channel Partners (CPs), referrals, and self-sourcing.
• Focus on secured lending products including Loan Against Property (LAP), Home Loans, Construction Loans, Working Capital Loans, Business Loans, and Balance Transfer.
• Maintain a healthy sales pipeline to ensure consistent business achievement.

2. Channel Partner Development

• Identify, empanel, and activate new Channel Partners (Builders, DSAs, Property Consultants, Chartered Accountants, Architects, Financial Consultants, etc.).
• Empanel a minimum of 2 new Channel Partners every month.
• Build long-term relationships with active CPs.
• Conduct regular CP visits and engagement activities.
• Ensure continuous business generation from existing CPs.

3. Customer Acquisition & Relationship Management

• Meet prospective customers through field visits and scheduled appointments.
• Understand customer financial requirements and recommend suitable loan solutions.
• Maintain regular follow-up until loan disbursement.

5. Product Mix Management

• Maintain a minimum 70% Loan Against Property (LAP) contribution in monthly business.
• Promote all company loan products based on customer requirements.
• Maximize profitability through the recommended product mix.

6. RRP (Referral & Repeat Business Program)

• Generate repeat business from existing customers.
• Drive referral business through satisfied customers and Channel Partners.
• Achieve RRP activation equivalent to 20% of monthly book size.
• Maintain regular engagement with past customers.

7. Documentation & Process Compliance

• Collect complete customer documentation before login.
• Ensure document accuracy and completeness.
• Coordinate with Credit and Operations for smooth processing.
• Comply with all company SOPs and lending guidelines.
• Ensure customer confidentiality and regulatory compliance.

8. CRM & Sales Discipline

• Update every customer interaction in CRM.
• Record meeting outcomes and follow-up actions.
• Maintain accurate customer data.
• Track lead status until closure.
• Submit daily activity updates and maintain CRM hygiene.

9. Cross-Functional Coordination

• Coordinate with ASM, VRM, Credit, Operations, and Marketing teams.
• Resolve customer queries promptly.
• Facilitate faster approvals and disbursements.
• Escalate issues affecting customer experience or business timelines.