Relationship Manager - MEL

IDFC FIRST Bharat; Madurai District, Chennai District, Coimbatore District; On-site; INR 350,000 - 650,000; Full time

Job summary

IDFC FIRST Bharat is seeking a Relationship Manager MEL to source, onboard, and manage micro-enterprise loan customers in Tamil Nadu. You will work on field activities, build relationships, perform basic credit profiling, and ensure smooth loan processing.

The role emphasizes achieving disbursement targets, portfolio growth, compliance with RBI norms, and regular MIS reporting, with a strong emphasis on customer service and local market knowledge.

Qualifications

• Source MEL customers through field activities, referrals, and market mapping.
• Build and maintain relationships to drive repeat business.
• Profile customers, collect KYC, and perform preliminary credit assessment.
• Ensure documentation, verification, and timely loan file submission.
• Coordinate with credit, operations, and legal teams for processing and disbursement.
• Achieve targets for disbursement, acquisition, and portfolio growth.
• Monitor post-disbursement activities and assist collections.
• Handle customer queries and provide end-to-end service.
• Ensure compliance with RBI guidelines and internal policies.
• Maintain MIS and timely reporting to branch/area management.

Responsibilities

• Source MEL customers through field activities, referrals, and market mapping.
• Profile customers, perform KYC, and assess credit viability.
• Coordinate with internal teams for smooth loan processing.
• Ensure compliance with RBI norms and timely MIS reporting.

Skills

Field sales

Relationship mgmt

MEL lending

Local market knowledge

Cash flow assessment

Target driven

Education

Graduate (Commerce/Management)

Job description

The Relationship Manager MEL (Micro Enterprise Loans) is responsible for sourcing, onboarding, and managing micro-enterprise loan customers while ensuring portfolio quality, customer satisfaction, and adherence to credit and compliance norms.

Key Responsibilities

Source new Micro Enterprise Loan (MEL) customers through field activities, referrals, and local market mapping

Build and maintain strong relationships with micro-enterprise customers to drive repeat business

Conduct customer profiling, KYC collection, and preliminary credit assessment

Ensure proper documentation, verification, and timely submission of loan files

Coordinate with credit, operations, and legal teams for smooth loan processing and disbursement

Achieve assigned business targets (disbursement, customer acquisition, portfolio growth)

Monitor post-disbursement activities and support collections to maintain portfolio quality

Handle customer queries and provide end-to-end service support

Ensure compliance with internal policies, RBI guidelines, and regulatory norms

Maintain accurate MIS and timely reporting to branch / area management

Key Skills & Competencies

Strong field sales and relationship management skills

Basic understanding of Micro Enterprise Lending / SME Lending

Good communication and local market knowledge

Ability to assess customer cash flows and business viability

Result-oriented with strong follow-up skills

Comfortable with field work and targets

Educational Qualification

Graduate in any discipline (Commerce / Management preferred)

Experience

1–5 years of experience in MEL / MSME / Business Loans.

Prior experience in NBFC / MFI / Bank preferred

Key Performance Indicators (KPIs)