Relationship Manager - Home Loan & Business Loans

Muthoot Fincorp Limited; NTR; On-site; INR 250,000 - 420,000; Full time

Job summary

Muthoot Fincorp Limited in PAN India is seeking a Relationship Officer for Home Loans to drive customer acquisition and manage the end-to-end loan journey through strong sales and process execution. You will build partnerships, identify micro markets, generate leads, conduct doorstep service, and support customers from application to disbursal while upholding the company’s core values.

Educational qualification is graduate and at least 2 years in Retail Assets, with Home Loans and Loan Against

Qualifications

• Educational Qualification – Graduate.
• Experience – At least 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.
• 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 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 be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.
• Retain existing live loan customers.

Skills

Result Orientation

Customer Service & Retention Focus

Strong presentation skills

Relationship Building & Stake holder

Process Knowledge/ Orientation

Cross Selling / Upselling Skills

Business Development

Communication Skills

Education

Graduate

Job description

RELATIONSHIP OFFICER - HOME LOAN

Company Name – Muthoot Fincorp Limited

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
• Retain existing live loan customers

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• 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.

Collaboration Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks.

Excellence 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 constituencies of the “Culture Code” Honesty 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.