Relationship Manager Home Loan

AU SMALL FINANCE BANK; Gwalior District; On-site; INR 600,000 - 800,000; Full time

Job summary

AU Small Finance Bank Limited is seeking a Relationship Manager Home Loan to handle delinquent accounts, manage bucket-collections, and drive home loan portfolios across multiple asset centers. The role focuses on aligning with pricing strategies, sourcing opportunities, and maintaining strong channel partnerships.

Primary duties include assessing credit proposals, ensuring documentation, and achieving defined targets while delivering professional customer service.

Responsibilities

• Understand and align with the bank's core business philosophy, methodology, and product-pricing strategy.
• Identify and assess potential business opportunities within the designated market.
• Generate qualified business leads through various sourcing channels and referrals.
• Achieve monthly, quarterly, and annual volume and value targets.
• Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
• Empanel and service sourcing channels to maintain a steady flow of business.
• Prospect and convert new and existing customers to generate incremental sales.
• Maintain relationships with sourcing channels to sustain business generation.
• Ensure timely collection of post-disbursement documents and monitor deferrals.
• Handle collections during the initial six months from self-sourced customers.
• Conduct asset verification and track early default or non-starter cases.
• Meet monthly business thresholds and targets.
• Deliver timely customer service and foster strong relationships for repeat/referral business.

Skills

Professional Communication

Relationship Management

Negotiations

Job description

Group Company: AU Small Finance Bank Limited

Designation: Relationship Manager Home Loan

Office Location: Badnagar Asset Centre Badnagar , Balaghat Asset Center Balaghat , Bhopal Asset Center Bhopal , Biaora Asset Centre Biaora , Chhindwara Asset Center Chhindwara , Dewas Dewas , Gwalior Asset Centre Gwalior , Hisar Hisar , Hoshiarpur Hoshiarpur , Indore Asset Centre Indore , Jabalpur Asset Centre Jabalpur , Jalandhar Asset Center Jalandhar , Karnal Urban Estate Karnal , Khargone Asset Center Khargone , Mandsaur Asset Center Mandsaur , Nashik Asset Center Nashik , Neemuch Asset Center Neemuch , Panipat Asset Centre Panipat , Ratlam Asset Center Ratlam , Sathupalli Sathupally , Sehore Asset Centre Sehore , Shivpuri Asset Centre Shivpuri , Sonipat Sonipat , Vidisha Vidisha

Position description: Handling delinquent accounts, managing bucket-collections as per line of business

Primary Responsibilities

• Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy. 2. Identify and assess potential business opportunities within the designated market. 3. Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals. 4. Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics. 5. Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval. 6. Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business. 7. Prospect and convert both new and existing customers to generate incremental sales. 8. Maintain and manage relationships with all sourcing channels to sustain business generation. 9. Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks. 10. Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance. 11. Conduct asset verification and track early default or non-starter cases for appropriate action. 12. Meet individual business thresholds and targets consistently on a monthly basis. 13. Deliver timely and efficient customer service, fostering strong relationships to promote repeat and referral business.

Additional Responsibilities

• Execute the company's product and pricing strategy effectively in day-to-day operations. 2. Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents. 3. Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction. 4. Act as a brand ambassador by promoting the company’s values and maintaining a professional presence in the market. 5. Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements. 6. Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams. 7. Support internal audits, compliance reviews, and asset verification activities as required. 8. Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies. 9. Promote ethical sales practices and contribute to a healthy and collaborative team culture. 10. Maintain accurate records of interactions, leads, and closures in the company’s CRM or reporting systems.

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Work Experience

• Industry: BFSI
• Role: Executive/Officer
• Years of experience: 0 to 3

Key Performance Indicators: Business Volume, Lead Conversion Rate, Channel Productivity, Customer Acquisition Cost, Portfolio Quality, Collection Efficiency, Asset Verification Accuracy, Documentation Compliance, Customer Satisfaction Score, Channel Engagement Score, CRM Compliance, Referral & Repeat Business Rate

Required Competencies: ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7. Bias for Action and Urgency

Required Knowledge: 1. Product/domain knowledge 2. Familiarity with Digital applications 3. Target Market Knowledge - Local Area geography familiarity 4. Ability to do detailed data collection/recording

Required Skills: 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Business tact & Negotiations - resolving Conflict

Required Abilities

• Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients
• Other: 1. Valid Two-Wheeler Driving License 2. Personal 2-wheeler 3. Own Smartphone 4. track record of past employment 5. Positive reference check and clear civil report

Work Environment Details: 90% - Field, 10% - Office

Specific Requirements

• Travel: High
• Vehicle: 2-wheeler
• Work Permit:

Other Details

• Pay Rate:
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. 4. Share timely customer feedback with sourcing channels. 5. Submit Daily Call Report (DCR) by end of day.
• Union Affiliation: