Relationship Officer

Finodaya Capital Private Ltd; Indore District; On-site; INR 300,000 - 600,000; Full time

Benefits offered by this job

Performance-based incentives

Fixed salary as per experience

Job summary

Finodaya Capital Private Ltd invites applications for a Relationship Officer (RO) to drive sourcing, evaluation, and closure of secured LAP loans. The role emphasizes strong field sales, credit understanding, and relationship management to ensure quality disbursements while maintaining portfolio health.

The RO will build local networks, collect documentation, ensure RBI/NBFC compliance, and strive for timely login to disbursement with audit-ready records.

Qualifications

• Field sales experience is preferred.
• Understanding of loan products and credit principles.
• Ability to manage client relationships and close deals.
• Knowledge of KYC/Documentation and RBI/NBFC norms.

Responsibilities

• Sourcing and opening secured LAP loans; achieve monthly targets.
• Conduct client meetings, explain product features and eligibility.
• Collect required KYC and financial documents; coordinate with credit/ops teams.
• Ensure compliance and maintain audit-ready documentation; manage relationships.

Skills

Field sales

Credit understanding

Relationship management

Negotiation skills

Documentation awareness

Market knowledge

Team collaboration

Education

Graduate / Postgraduate in Commerce, Finance or Management preferred

Job description

Finodaya Capital embodies Local Roots. National Ambitions. We’re built on a simple but bold idea: small businesses deserve big support. Backed by banking veterans and powered by cutting-edge tech, we’re a tech-enabled NBFC dedicated to empowering India’s smallest businesses.

We’re fluent in spreadsheets and street wisdom, combining human intelligence with digital precision to deliver personalized financial solutions.

Job Description

Job Title:Relationship Officer (RO)

Role Overview

The Relationship Officer (RO) will be responsible forsourcing, evaluating, and closing secured business loans (primarily LoanAgainst Property - LAP). The role requires strong field sales capabilities,credit understanding, and relationship management skills to drive quality disbursementswhile maintaining portfolio health.

Key Responsibilities

1. Business Development & Sourcing

• Generateleads through direct field sourcing.
• Buildand manage a strong local referral network.
• Achievemonthly login and disbursement targets.
• Conductcustomer meetings and explain product features, eligibility, anddocumentation requirements.

2. Collect Documentation

• CollectKYC, financial, banking, and property documents.
• Coordinatewith credit and operation teams for smooth case processing.
• Ensureproper documentation before login to minimize rejection.

3. Process & Compliance

• Maintainadherence to RBI and internal NBFC compliance norms.
• Ensureaccurate data entry in LOS and CRM systems.
• FollowTAT benchmarks for login to disbursement.
• Maintainaudit-ready documentation standards.
• Maintainstrong relationships with existing borrowers.
• Monitorrepayment behavior and flag early delinquency risks.
• Supportcollections in case of stress accounts.

Key Performance Indicators (KPIs)

• Disbursementvalue
• Filequality ratio
• Approval-to-loginconversion

Eligibility Criteria

• Undergraduatewith experience/Graduate / Postgraduate in Commerce, Finance, orManagement preferred.
• 0.5-5years of experience in LAP / Mortgage / Secured Business Loan sales(NBFC/Bank preferred).
• Localmarket knowledge is essential.
• Salesorientation with negotiation skills
• Creditappraisal basics
• Documentationand compliance awareness
• Relationshipbuilding capability
• Fieldmobility and market penetration skills

Compensation Structure

• Fixedsalary (as per experience)
• Performance-basedincentives linked to disbursement and portfolio quality