Relationship Manager

Finodaya Capital; Goregaon; On-site; INR 500,000 - 700,000; Full time

Job summary

Finodaya Capital is hiring a Relationship Manager in Goregaon, Maharashtra to source and close secured LAP loans. You will build a local referral network, explain product features, collect KYC and property docs, and ensure compliant processing from login to disbursement.

Ideal candidates have 0.6–3 years in LAP/secured loan sales, strong market knowledge, and skills in negotiation, credit basics, and relationship building. Local travel is expected.

Qualifications

• Undergraduate with experience / Graduate / Postgraduate in Commerce, Finance, or Management preferred.
• 0.6–3 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
• Local market knowledge is essential.

Responsibilities

• Business Development & Sourcing: Generate leads through direct field sourcing, build local referral network, achieve monthly login and disbursement targets, conduct customer meetings and explain product features, eligibility, and documentation.
• Collect Documentation: Collect KYC, financial, banking, and property documents; coordinate with credit and operations teams; ensure proper documentation before login to minimize rejection.
• Process & Compliance: Maintain RBI and NBFC compliance; ensure accurate data entry in LOS/CRM; follow TAT benchmarks for login to disbursement; maintain audit-ready docs.
• Relationship & Portfolio Management: Maintain strong relationships with borrowers; monitor repayment behavior; flag early delinquency risks; support collections in stress accounts.

Skills

Sales orientation

Negotiation skills

Credit appraisal basics

Documentation & compliance

Relationship building

Field mobility

Education

Graduate/Postgraduate in Commerce, Finance, or Management

Job description

Role Overview

The Relationship Manager (RM) will be responsible for sourcing, evaluating, and closing secured business loans (primarily Loan Against Property LAP). The role requires strong field sales capabilities, credit understanding, and relationship management skills to drive quality disbursements while maintaining portfolio health.

Key Responsibilities

1. Business Development & Sourcing

• Generate leads through direct field sourcing.
• Build and manage a strong local referral network.
• Achieve monthly login and disbursement targets.
• Conduct customer meetings and explain product features, eligibility, and documentation

requirements.

2. Collect Documentation

• Collect KYC, financial, banking, and property documents.
• Coordinate with credit and operation teams for smooth case processing.
• Ensure proper documentation before login to minimize rejection.

3. Process & Compliance

• Maintain adherence to RBI and internal NBFC compliance norms.
• Ensure accurate data entry in LOS and CRM systems.
• Follow TAT benchmarks for login to disbursement.
• Maintain audit-ready documentation standards.

4. Relationship & Portfolio Management

• Maintain strong relationships with existing borrowers.
• Monitor repayment behavior and flag early delinquency risks.
• Support collections in case of stress accounts.

Key Performance Indicators (KPIs)

• Monthly login volume
• Disbursement value
• File quality ratio
• Approval-to-login conversion
• Portfolio delinquency (PAR metrics)

Eligibility Criteria

• Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or

Management preferred.

• 0.6 - 3 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank

preferred).

• Local market knowledge is essential.

Required Competencies

• Sales orientation with negotiation skills
• Credit appraisal basics
• Documentation and compliance awareness
• Relationship building capability
• Field mobility and market penetration skills

Compensation Structure

• Fixed salary (as per experience)
• Performance-based incentives linked to disbursement and portfolio quality
• Travel allowance (as applicable)