Relationship Manager - JLG

Idfc First Bank Limited; Surat; On-site; INR 500,000 - 900,000; Full time

Job summary

IDFC FIRST Bank Limited in India is seeking a Relationship Manager-JLG to deepen relationships with banking accounts and deliver best-in-class service. The role focuses on creating Joint Liability Groups and centers, managing a team, and driving client acquisition through field activities and cross-sell opportunities.

You will oversee the end-to-end process from formation to disbursal and collection, while striving for high-quality accounts and market expansion in assigned zones.

Qualifications

• Must have a graduate degree.
• Strong customer orientation and communication skills.
• Ability to identify customer needs and cross-sell suitable products.

Responsibilities

• Deepen existing portfolio to enhance customer stickiness.
• Map household needs in assigned areas and conduct field activities.
• Achieve monthly and yearly group loan booking targets through field work.
• Cross-sell opportunities aligned with client needs and risk profile.
• Drive liabilities growth through lead generation and account openings.
• Meet and exceed individual and branch sales goals via new business and referrals.
• Monitor collections efficiency and ensure disciplined collections.

Skills

Relationship management

Sales & cross-selling

Team leadership

Customer service

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.