RELATIONSHIP MANAGER - HOME LOAN

Muthoot Fincorp Ltd.; Repalle; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Muthoot Fincorp Ltd. seeks a Relationship Manager to drive acquisition of customers for secured and unsecured business loans across PAN India.

The role emphasizes building and sustaining referrals, managing end-to-end customer journeys, and delivering sales excellence in the branch network. The incumbent will engage in micro markets, empanel referral partners, conduct cold calls, and maintain strong relationships with customers and partners to grow the loan portfolio and cross-sell insurance

Qualifications

• Graduate degree required.
• Minimum 2 years experience in Retail Assets, especially Home Loans and Loan Against Property.
• Exposure to Affordable segment preferred.

Responsibilities

• Deliver on Customer Acquisition through business development.
• Find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured loans.
• Work in the area assigned by the Branch Business Manager and generate leads.
• Cold calling to potential customers to generate business.
• Daily sales calls as per the plan submitted to BBM.
• Nurture and develop excellent relationships with referral partners.

Skills

Result Orientation

Customer Service

Relationship Building

Process Knowledge

Business Development

Communication Skills

Education

Graduate

Job description

Job Title – Relationship Manager, Secured & Unsecured Business Loans

Grade – C2

Location – PAN India

Reports to – Business Manager, Secured & Unsecured Business Loans

Span Of Control – NA

Job Purpose

The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship.

Key Job Responsibilities

Deliver on Customer Acquisition through business development

• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• Work in the Area assigned by the Branch Business Manager and generate leads
• Cold Calling to the potential customer base to generate business
• Daily Sales Calls as per the Plan submitted to BBM
• To find, nurture and develop excellent relationship with the Referral Partners / Connectors

Managing the customer journey through sales championship, process championship and product championship To Activate Referral Partners for new business

• To give doorstep service to customers – at their residence or office.
• To learn the Organization’s policies, and source files as per the policy.
• To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager
• To Support the Customers in terms of end -to- end loan processing.
• To act as the Bridge between Customers and the Branch
• To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built.

Our Core Values

• Integrity Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value
• Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Welcome feedback from other departments. Encourage people from other departments to join for brainstorming sessions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks
• Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• Humility
• Empathy
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

Educational Qualification – Graduate

Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.