Relationship Manager

DJT Microfinance Pvt Ltd; Dadri; On-site; INR 300,000 - 540,000; Full time

Job summary

DJT Microfinance Pvt Ltd. is seeking a proactive Business Development professional to source MSME loans and LAP, build a robust customer base, and manage the end-to-end loan lifecycle.

You will conduct market visits, verify documents, and collaborate with Credit, Operations, Legal, and other teams to ensure timely disbursement.

Qualifications

• Graduate in any discipline; MBA/PGDM in Finance or Marketing preferred.
• 15 years of relevant experience in MSME lending, LAP, secured business loans, SME finance, or NBFC/banking sales.
• Understanding of loan sourcing, customer assessment, financial documentation, and secured lending processes.
• Strong communication, negotiation, relationship management, market development, and sales execution skills.
• Mobility: Willingness to undertake regular field visits and local market travel.
• Looking for Urgent Joiner.

Responsibilities

• Source new customers for MSME loans and Loan Against Property through direct sales, market visits, referrals, DSAs, connectors, and other approved channels.
• Identify prospective business owners, self-employed individuals, traders, manufacturers, and small enterprises requiring financial assistance.
• Achieve monthly business targets for lead generation, login, sanctions, and disbursements.
• Build and maintain strong relationships with existing and prospective customers.
• Understand customer financial requirements and recommend suitable loan products.
• Conduct regular market visits to develop business opportunities and strengthen the customer base.
• Collect and verify customer KYC, income documents, bank statements, business proofs, and property-related documents.
• Assess the customer's preliminary repayment capacity, business stability, and credit history.
• Coordinate with Credit, Operations, Legal, Technical, and other internal teams for loan processing and disbursement.
• Identify suitable borrowers for secured business loans and LAP products.
• Conduct preliminary assessments of business turnover, cash flow, existing obligations, and property ownership.
• Facilitate property valuation, legal verification, credit checks, and other required due diligence.
• Ensure sourcing of quality customers in accordance with the company's credit policy and eligibility criteria.
• Monitor customer repayment behaviour and coordinate with collections teams on overdue accounts, where required.
• Maintain compliance with KYC, AML, internal controls, and regulatory requirements.
• Ensure that all customer information and loan documentation are accurate and complete.
• Maintain daily sales reports, lead pipelines, login trackers, sanction status, and disbursement MIS.
• Track performance against assigned targets and provide regular updates to the reporting manager.
• Monitor conversion ratios, customer acquisition, and business productivity.

Job description

Key Responsibilities

1. Business Development & Customer Acquisition

• Source new customers for MSME loans and Loan Against Property through direct sales, market visits, referrals, DSAs, connectors, and other approved channels.
• Identify prospective business owners, self-employed individuals, traders, manufacturers, and small enterprises requiring financial assistance.
• Achieve monthly business targets for lead generation, login, sanctions, and disbursements.

2. Customer Relationship Management

• Build and maintain strong relationships with existing and prospective customers.
• Understand customer financial requirements and recommend suitable loan products.
• Conduct regular market visits to develop business opportunities and strengthen the customer base.

3. Loan Sourcing & Documentation

• Collect and verify customer KYC, income documents, bank statements, business proofs, and property-related documents.
• Assess the customer's preliminary repayment capacity, business stability, and credit history.
• Coordinate with Credit, Operations, Legal, Technical, and other internal teams for loan processing and disbursement.

4. MSME / LAP Business Assessment

• Identify suitable borrowers for secured business loans and LAP products.
• Conduct preliminary assessments of business turnover, cash flow, existing obligations, and property ownership.
• Facilitate property valuation, legal verification, credit checks, and other required due diligence.

5. Portfolio Quality & Compliance

• Ensure sourcing of quality customers in accordance with the company's credit policy and eligibility criteria.
• Monitor customer repayment behaviour and coordinate with collections teams on overdue accounts, where required.
• Maintain compliance with KYC, AML, internal controls, and regulatory requirements.
• Ensure that all customer information and loan documentation are accurate and complete.

6. MIS & Reporting

• Maintain daily sales reports, lead pipelines, login trackers, sanction status, and disbursement MIS.
• Track performance against assigned targets and provide regular updates to the reporting manager.
• Monitor conversion ratios, customer acquisition, and business productivity.

Eligibility Criteria

• Qualification: Graduate in any discipline; MBA/PGDM in Finance or Marketing preferred.
• Experience: 15 years of relevant experience in MSME lending, LAP, secured business loans, SME finance, or NBFC/banking sales.
• Product Knowledge: Understanding of loan sourcing, customer assessment, financial documentation, and secured lending processes.
• Skills: Strong communication, negotiation, relationship management, market development, and sales execution skills.
• Mobility: Willingness to undertake regular field visits and local market travel.
• Looking for Urgent Joiner .