Relationship Officer

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

Benefits offered by this job

Incentives

Travel allowance

Job summary

Finodaya Capital in Indore seeks a Relationship Officer to source and close secured LAP loans while maintaining portfolio health.

You will drive field sales, explain product features, collect KYC, and coordinate with credit and operations to ensure timely login and disbursement with RBI/NBFC compliance.

Qualifications

• Undergraduate with experience or Graduate/Postgraduate in Commerce, Finance, or Management preferred.
• 0.5–5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
• Local market knowledge is essential.

Responsibilities

• Source, evaluate, and close LAP loans with a focus on portfolio quality.
• Generate leads through field sourcing and build local referrals.
• Collect KYC and financial documents and coordinate with credit/operations.
• Ensure compliance with RBI and NBFC norms and maintain audit-ready records.

Skills

Sales orientation

Negotiation

Credit appraisal basics

Documentation awareness

Compliance awareness

Relationship building

Field mobility

Education

Commerce/Finance/Management degree

Job description

Job Description:

Job Title: Relationship Officer (RO)

Role Overview

The Relationship Officer (RO) will be responsible for sourcing, evaluating, and closing secured business loans (primarily Loan Against Property – LAP). The role requires strong field sales capabilities, credit understanding, and relationship management skills to drive quality disbursements while maintaining portfolio health.

Key Responsibilities

1. Business Development & Sourcing

• Generate leads through direct field sourcing.
• Build and manage a strong local referral network.
• Achieve monthly login and disbursement targets.
• Conduct customer meetings and explain product features, eligibility, and documentation requirements.

2. Collect Documentation

• Collect KYC, financial, banking, and property documents.
• Coordinate with credit and operation teams for smooth case processing.
• Ensure proper documentation before login to minimize rejection.

3. Process & Compliance

• Maintain adherence to RBI and internal NBFC compliance norms.
• Ensure accurate data entry in LOS and CRM systems.
• Follow TAT benchmarks for login to disbursement.
• Maintain audit-ready documentation standards.

4. Relationship & Portfolio Management

• Maintain strong relationships with existing borrowers.
• Monitor repayment behavior and flag early delinquency risks.
• Support collections in case of stress accounts.

Key Performance Indicators (KPIs)

• Monthly login volume
• Disbursement value
• File quality ratio
• Approval-to-login conversion
• Portfolio delinquency (PAR metrics)

Eligibility Criteria

• Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or Management preferred.
• 0.5–5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
• Local market knowledge is essential.

Required Competencies

• Sales orientation with negotiation skills
• Credit appraisal basics
• Documentation and compliance awareness
• Relationship building capability
• Field mobility and market penetration skills

Compensation Structure

• Fixed salary (as per experience)
• Performance-based incentives linked to disbursement and portfolio quality
• Travel allowance (as applicable)

Requirements: