Relationship Officer

Utkarsh Small Finance Bank; Jalgaon, Pune District, Mumbai; On-site; INR 400,000 - 600,000; Full time

Job summary

Utkarsh Small Finance Bank seeks a field-focused officer to source LAP clients, monitor loan utilization, and ensure documentation quality. The role emphasizes meeting daily DSA targets, maintaining discipline, and delivering customer satisfaction through proactive engagement.

The candidate should be a Graduate, under 34, with stable tenure, English or Hindi fluency, and a proven incentive track record. This is a frontline banking role with growth potential in the microfinance/ MSME segment.

Qualifications

• Graduate in any stream.
• Age below 34 years.
• Stable in one organization for at least 1 year.
• Earning business incentive 4–5 months in a year.
• Meet 6–7 DSA/connector daily.
• Perform 200+ pamphlet distribution and 30 cold calls daily.

Responsibilities

• Source LAP clients in line with the business plan.
• Secure and monitor loan portfolio; conduct utilization checks and visits.
• Explain loan provisions and ensure proper documentation.
• Respond to customer queries to ensure satisfaction.
• Completion of loan contracts with accurate documentation.

Skills

Language fluency (English/Hindi)

Education

Graduate in any stream

Job description

Role & responsibilities:

To source the lap clients in line with the business plan

To create & maintain the strict discpline & ensure zero default in recovery

To source & monitor the loan portfolio - conduct loan utilization checks and regular monitoring visits.

To understand the customers need and respond to customer queries & issues to ensure customer satisfaction

Completion of Loan contract by explaining provisions to the applicants and ensuring the proper documentation.

Preferred candidate profiles:

• Educational Qual - Graduate in any stream
• Age - Should be below 34 years of age.
• Stability - Should be stable in one organization & same product for at least 1 year
• Incentive - Should be earning business incentive at least 4-5 months in a year
• Should be meeting 6-7 DSA/connector daily
• Should be doing activities like 200+ pamphlet distribution and /or 30 cold calls daily (shop to shop)
• Should have done rate of interest of 11-14% in MSME (LAP)
• Should be log-in 7-8 files every month, disbursing at least 1 file every month.
• Is looking for career and 3 years + and just not a job since we are bank.
• At Utkarsh we give good incentive and also have good credit policy
• Language - speaks at least English or Hindi fluently
• Adherence to work ethics, no past fraud, not asked by any company to leave the job