RELATIONSHIP OFFICER - HL - SULB NORTH

PeopleStrong; Shamli; On-site; INR 450,000 - 900,000; Full time

Job summary

Muthoot Fincorp Ltd. invites applications for Senior Relationship Officer, Secured & Unsecured Business Loans in Karnataka. The role focuses on customer acquisition, relationship building with referral partners, and end-to-end loan support.

The incumbent will actively drive micro market expansion and cross-sell insurance where appropriate. The position emphasizes on-ground customer interaction, doorstep service, and collaboration with branch teams to achieve sales targets and exemplary service

Qualifications

• 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.

Responsibilities

• Deliver on Customer Acquisition through business development.
• Empanel good quality referral partners to scale up Micro LAP business & Gold backed secured loans.
• Generate leads in the assigned area.
• Cold calling to potential customers to generate business.
• Daily sales calls as per the plan.
• Activate referral partners for new business.
• Provide doorstep service to customers – at their residence or office.
• Act as Eyes & Ears of the Organization in the Market for new opportunities.
• Support customers in end-to-end loan processing.

Skills

Relationship Building

Customer Service

Communication Skills

Result Orientation

Business Development

Process Knowledge

Education

Graduate

Job description

Job Title – Senior Relationship Officer, Secured & Unsecured Business Loans

Grade – JM 1 (15)

Location – KARNATAKA

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.

Knowledge, Skills & Attributes

• Result Orientation
• Customer Service & Retention Focus
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• 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.

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

Building on the bedrock of Core Values, below are the other key constituents of the “Culture Code”

• 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.