Relationship Manager - Retail

Equitas Small Finance Bank Ltd.; Ludhiana, Patiala District, Jalandhar; On-site; INR 400,000 - 700,000; Full time

Job summary

Equitas Small Finance Bank Ltd. is seeking a Relationship Manager - Retail in the Mortgages division. The role targets growth through new member acquisition, collections, and cross-selling within assigned centres in North zone. Priorities include member retention and self-development to meet annual KPIs.

The candidate should have 1-3 years of experience, with a permanent employment type and responsibilities aligned to Relationship Officer for MFI initiatives in the North zone.

Qualifications

• Customer-focused with strong communication skills.
• Strategic mindset with ability to identify growth opportunities.
• Proven ability to work in a target-driven sales environment.

Responsibilities

• Relationship Manager - Retail to drive business in assigned centres.
• Achieve collections targets and new member acquisition as per targets.
• Cross-sell products and ensure high member retention.

Skills

Customer Focus

Strategic Orientation

Job description

Required Experience 1 - 3 years

Employment Type Permanent

Employment Category Field

Entity Equitas Small Finance Bank

Business Unit Assets

Division/Function (SBU) Inclusive Banking - SBL

Department Mortgages

Sub-Department Business

Generic Role Relationship Manager

External Title (Job Role) Relationship Manager - Retail

Division Inclusive Banking - SBL

Zone North

Branch Code 15012

Skills

Customer Focus Strategic Business Orientation

Key Result Areas

Position : Relationship Officer - MFI

S.NO. DESIRED RESULT WEIGHTAGE KEY PERFORMANCE INDICATOR 1162352

• 1 Ensure achievement of collections target set for allocated centres. 50% % of regular Collections (as per annexure 1)
• 2 Ensure achievement of new members through AOC 20% % of Achievement (as per annexure 2)
• 3 Achieving the set targets for Cross Sell products 10% % of Cross Sell Penetration Achievement % RD & APY Collections (as per annexure 3)
• 4 Member Retention 10% % of Achievement (as per annexure 4)
• 5 Self Development 5% Annexure 5
• 6 Process Orientaition 5% Annexure 6

Annexure - 1

Performance Rating Repayment % to be achieved

• 5 (Excellent) 100% repayment achieved by end of every month during the review period
• 4 (Very Good) (99.81-100)% repayment achieved by end of every month during the review period
• 3 (Good) (99.51-99.80)% repayment achieved by end of every month during the review period
• 2 (Adequate) (99.31-99.50)% repayment achieved by end of every month during the review period
• 1 (Far below the expectation) < 99.3 % repayment achieved by end of every month during the review period

Annexure - 2

Scoring method 5

• (Outstanding) 4
• (Excellent) 3
• (Very Good) 2
• (Good) 1
• (Adequate)

% of AOC Target >120% of AOC Target (111 -120)% of AOC Target (100% - 110%) of AOC Target (90 -99)% of AOC Target <90% of AOC Target

Annexure - 3

Scoring method 5

• (Outstanding) 4
• (Excellent) 3
• (Very Good) 2
• (Good) 1
• (Adequate)

% of Achievement >120% of Cross Sell Target (111 -120)% of Cross Sell Target (100% - 110%) of Cross Sell Target (90 -99)% of Cross Sell Target <90% of Cross Sell Target

Annexure - 4

Scoring method 5

• (Outstanding) 4
• (Excellent) 3
• (Very Good) 2
• (Good) 1
• (Adequate)

% of Achievement >120% (111 -120)% (100% - 110%) (90 -99)% <90%

Annexure - 5

Scoring method 5

• (Outstanding) 4
• (Excellent) 3
• (Very Good) 2
• (Good) 1
• (Adequate)

Average Mandays of Training per Team Member >=3 2.5-2.99 2-2.49 1-1.99 <1