Relationship Manager- Infotel

Infotel finance; Gurugram District; On-site; INR 600,000 - 1,200,000; Full time

Job summary

Infotel finance is seeking a Relationship Manager for SME lending in Gurugram to drive new customer acquisition and manage end-to-end lending cycles from lead generation to disbursement.

You will assess credit needs, coordinate with cross-functional teams, and ensure a superior customer experience while maintaining credit quality and regulatory compliance.

Qualifications

• Graduate in any discipline; MBA preferred.
• 2-6 years in SME lending, Working Capital, Supply Chain Finance, or Commercial Lending.

Responsibilities

• Acquire new SME customers for working capital and financing.
• Generate business via direct sourcing, referrals, and channel partners.
• Build local market presence and develop new business opportunities.
• Achieve monthly disbursement, revenue and portfolio targets.
• Identify customers with funding needs across Invoice Discounting and Supply Chain Finance.
• Explain product features, eligibility, documentation and repayment structures.
• Build long-term relationships and drive repeat business and cross-selling.
• Coordinate with Credit, Operations, Risk, Legal and Product teams for faster turnaround.

Skills

SME lending knowledge

Financial statement understanding

Bank statement analysis

GST understanding

Credit underwriting basics

Sales pipeline management

CRM usage

MS Excel

PowerPoint

Education

Graduate degree

MBA preferred

Tools

CRM software

MS Excel

PowerPoint

Job description

JOB DESCRIPTION

Relationship Manager

Department: Sales

Reports To: Team Leader / Regional Sales Manager

Location: Gurugram

Role Purpose

The Relationship Manager - SME drives new customer acquisition, originates quality lending opportunities, and manages end-to-end customer relationships for small and medium enterprise clients. The role covers the full lending lifecycle - from lead generation through sanction and disbursement - sourced through direct channels, and anchor-based programmes, while upholding credit quality, compliance standards, and a superior customer experience.

Key Responsibilities

Business Development

• Acquire new SME customers seeking working capital and business financing.
• Generate business through direct sourcing, referrals, and channel partners.
• Build a strong local market presence and continually develop new business opportunities.
• Achieve monthly disbursement, revenue, and portfolio targets.

Customer Acquisition

• Identify customers with funding needs across Invoice Discounting, Supply Chain Finance (Dealer Financing, and Vendor Financing).
• Understand each customer's business model and financing requirements.
• Clearly explain product features, eligibility criteria, documentation requirements, and repayment structures.

Relationship Management

• Build long-term relationships with SME customers.
• Maintain regular engagement with existing customers to drive repeat business and cross-selling.
• Ensure high customer satisfaction across the lending journey.
• Coordinate with customers to ensure timely document submission and query resolution.

Credit Assessment Support

• Conduct preliminary customer profiling, field visits, and business verification.
• Collect and verify required documents, including GST filings, bank statements, financial statements, and income tax returns.
• Prepare initial credit notes or customer summaries as required.

Sales Process Management

• Ensure loan applications are complete and accurate.
• Coordinate with Credit, Operations, Risk, Legal, and Product teams to enable faster turnaround.
• Track applications through login, sanction, documentation, and disbursement.
• Ensure timely closure of pending credit queries.

Market Intelligence & Portfolio Quality

• Track competitor offerings, market trends, and emerging industry segments.
• Share customer feedback to support product improvement.
• Source customers who meet underwriting guidelines and maintain portfolio quality through disciplined customer selection.
• Support the collections team as needed and proactively manage relationships to minimise delinquency.

Daily Activities

• Customer meetings and field visits
• Lead generation and loan sourcing
• Documentation collection and login submission
• Credit query resolution
• Relationship and pipeline management
• CRM updates

Key Performance Indicators (KPIs)

• Monthly Disbursement Value achieved
• Loan Sanctions Number & value
• Lead Generation Monthly volume
• Logins Submitted Monthly volume
• Conversion Ratio Login to disbursement
• Portfolio Quality Delinquency / bounce rate
• Customer Acquisition New customers added
• Repeat Business Revenue from existing customers
• TAT Adherence Average processing time
• Customer Satisfaction Feedback / NPS Desired

Desired Candidate Profile

Education: Graduate in any discipline; MBA preferred

Experience: 2-6 years in SME lending, Working Capital, Supply Chain Finance, or Commercial Lending. Experience with an NBFC, Bank, FinTech, or other financial institution is preferred.

Skills Required

Technical Skills

• SME lending knowledge
• Financial statement understanding
• Bank statement analysis
• GST understanding
• Credit underwriting basics
• Sales pipeline management
• CRM usage
• MS Excel and PowerPoint

Behavioural Skills

• Strong communication skills
• Relationship building
• Negotiation
• Customer-centric approach
• Problem solving
• Ownership mindset
• Time management
• Team collaboration

Success Metrics (First 6 Months)

• Achieve assigned monthly disbursement targets.
• Build a healthy and diversified sourcing pipeline.
• Maintain high-quality application submissions with minimal credit queries.
• Develop a strong referral and connector network.
• Maintain portfolio quality within acceptable delinquency thresholds.
• Deliver a superior customer experience while adhering to internal processes and regulatory requirements.