Relationship Manager - Secured & Unsecured Business Loans

Muthoot Fincorp Limited; Konaseema; On-site; INR 420,000 - 660,000; Full time

Job summary

Muthoot Fincorp Limited in Pan India is seeking a Relationship Manager to drive customer acquisition and manage the journey from lead to loan across secured and unsecured business loans.

The role focuses on building strong referral networks, doorstep service, and end-to-end loan processing while aligning with our culture of trust and customer-first service.

Qualifications

• Graduate degree from a recognized university.
• At least 2 years’ experience in Retail Assets, especially Home Loans and LAP.
• Exposure to Affordable segment preferred.

Responsibilities

• Deliver on Customer Acquisition through business development and branch support.
• Build and nurture referral partners to scale Micro LAP and Gold-backed loans.
• Generate leads in assigned area and perform cold calling.
• Manage end-to-end loan processing and the customer journey.
• Cross-sell insurance to loan customers.
• Retain existing live loan customers.

Skills

Result Orientation

Customer Service

Presentation Skills

Relationship Building

Process Knowledge

Cross Selling

Business Development

Communication Skills

Education

Graduate

Job description

RELATIONSHIP MANAGER Company Name – Muthoot Fincorp Limited Job Title – Relationship Manager, Secured & Unsecured Business Loans Grade – C2 Location – PAN India Reports to – Business Manager, Secured & Unsecured Business Loans Span Of Control – NA

Job Purpose The purpose of the role is to deliver and execute customer acquisition through business development and support branch channel in managing the customer journey through sales championship, process championship and product championship.

Key Job Responsibilities

• Deliver on Customer Acquisition through business development
• To find new micro markets and empanel good quality referral partners to scale up Micro LAP business & Gold backed secured business loan (Suvarna)
• Work in the Area assigned by the Branch Business Manager and generate leads
• Cold Calling to the potential customer base to generate business
• Daily Sales Calls as per the Plan submitted to BBM
• To find, nurture and develop excellent relationship with the Referral Partners / Connectors
• Managing the customer journey through sales championship, process championship and product championship
• To Activate Referral Partners for new business
• To give doorstep service to customers – at their residence or office.
• To learn the Organization’s policies, and source files as per the policy.
• To Act as the Eyes & Ears of the Organization while working in the Market for new opportunities, information and sharing them to Branch Business Manager
• To Support the Customers in terms of end -to- end loan processing.
• To act as the Bridge between Customers and the Branch
• To be responsible for the Soft Bucket collections, Early mortality and 12 MOB Fresh Sourcing.
• To Cross Sell Insurance effectively to the loan customers to safeguard their Property, Health & Life.
• To Be the Face of SULB Muthoot Fincorp for the Area Assigned for Working.
• Retain existing live loan customers.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• Business Development
• Communication Skills – Proficiency in local language and English

Culture at Muthoot Pappachan Group

We do everything to gain and maintain the “Trust” of all the stakeholders and don’t do anything to lose their “Trust”. Trust is the overarching “Core Value”, one which, our other values have been built.

Core Values

Integrity Asking oneself before saying, doing or deciding on anything, whether it’s passing the test of integrity. No unethical shortcuts, to save time, money and energy. Strict adherence to regulatory and other statutory bodies guidelines. Transparency in all business deals. Offer solutions to customers on the basis of their needs only. Encourage people to highlight any practices that go against this core value

Collaboration

Genuinely believe & treat the organization as your family. Encourage people to build healthy professional relationship with members of other departments and functions. Look at the big picture (organization goals) rather than limiting the vision to the individual / department goal. Help others to achieve their goals / tasks

Excellence

Maddeningly pursue excellence. Look for best outcomes before finalizing the approach. Maintain a constructive and critical mindset to gauge & ensure quality. Open for constructive feedback from others to refine the final output. Benchmark against the best only, should not be basis convenience. We should look for continuous improvement. Recognize and appreciate, if we observe any superior performance. Don’t get settled for less at any cost – display the go getter attitude. Encourage people to stretch in order to achieve excellence

Culture Code

• Honesty
• Humility
• Empathy
• Empowerment
• Agility
• Ownership
• Fresh Thinking & Continuous Renewal
• Inclusion
• Work-Life Balance

Role Requirements

• Educational Qualification – Graduate
• Experience – At least 2 years’ experience in working in Retail Assets especially Home Loans and Loan Against Property business.
• Exposure to Affordable segment preferred.