Relationship Manager - JLG

IDFC FIRST Bank; Palanpur; On-site; INR 400,000 - 650,000; Full time

Job summary

IDFC FIRST Bank in Palanpur, Gujarat seeks a Relationship Manager-JLG to deepen banking relationships and ensure best-in-class service across the customer base.

The role focuses on creating Joint Liability Groups, managing them through disbursal and collection, and leading a field team to drive client acquisition and lifetime value.

You will oversee cross-sell opportunities, monitor collections, conduct field verifications, and align with branch targets to grow liabilities and assets.

Qualifications

• Graduate qualification required.
• Experience in banking or microfinance preferred.

Responsibilities

• Deepen existing portfolio to ensure customer stickiness.
• Manage zoning activity to map household needs in villages and areas allocated.
• Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
• Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
• Contribute to penetration of liabilities business in new markets through lead generations and account opening as per needs of customer.
• Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
• Monitor high collections efficiency through discipline and drive.
• Conduct field audits and customer verifications to ensure high quality of accounts.
• Gather Latest Market intelligence and track and benchmark against best practices in competitor banks.
• Evaluate the growth strategy based on competitor analysis and feedback from different channels/customers.
• Recommend process changes to improve service efficiency and quality across the branch network.
• Manage a team of field officers, taking responsibility of their development and attrition.
• Develop and implement livelihood advancement and community development initiatives.

Education

Graduate

Job description

Job Requirements

Role/ Job Title:

Relationship Manager-JLG

Function/ Department

JLG

Job Purpose:

'The role entails deepening relationships with Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify prospective customers and convert them into real business opportunities. The role bearer is responsible for creating Joint Liability Groups and centres and managing them through the formation, disbursal and collection phases while managing a team to drive client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship.

Roles & Responsibilities:

• Deepen existing portfolio to ensure customer stickiness.
• Manage zoning activity to map household needs in villages and areas allocated.
• Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
• Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
• Contribute to penetration of liabilities business in new markets through lead generations and account opening as per needs of customer.
• Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
• Monitor high collections efficiency through discipline and drive.
• Conduct field audits and customer verifications to ensure high quality of accounts.
• Gather Latest Market intelligence and track and benchmark against best practices in competitor banks.
• Evaluate the growth strategy based on competitor analysis and feedback from different channels/customers.
• Recommend process changes to improve service efficiency and quality across the branch network.
• Manage a team of field officers, taking responsibility of their development and attrition.

Secondary Responsibilities:

'Develop and implement livelihood advancement and community development initiatives.

Qualifications:

Graduate

Years of Experience:

5+ years of relevant banking experience.