RELATIONSHIP OFFICER - HOME LOAN

PeopleStrong; Eluru District; On-site; INR 300,000 - 460,000; Full time

Job summary

Muthoot Pappachan Group in Andhra Pradesh is seeking a Relationship Officer – Home Loan to drive customer acquisition and manage the loan journey. The role supports the branch team by sourcing leads, building a network of referral partners, and delivering doorstep service.

You will engage with customers, cross-sell insurance, and coordinate end-to-end loan processing while upholding the group’s values and standards.

Qualifications

• Graduate degree required.
• 1+ year experience in retail assets, especially Home Loans.
• Exposure to affordable segment preferred.

Responsibilities

• Deliver on customer acquisition through business development.
• Identify micro markets and empanel quality referral partners for LAP and gold-backed loans.
• Work in the area assigned and generate leads.
• Conduct cold calls to generate business.
• Make daily sales calls as per BBM plan.
• Develop and nurture relationships with referral partners/connectors.
• Activate referral partners for new business and manage the customer journey across sales/process/product championships.
• Provide doorstep service to customers at residence or office.
• Learn policies and source files as per policy.
• Act as eyes and ears in the market and share opportunities with Branch BBM.
• Support end-to-end loan processing for customers.
• Bridge between customers and the branch.
• Handle soft bucket collections, early mortality and 12 MOB fresh sourcing.
• Cross-sell insurance to loan customers to safeguard property, health and life.
• Be the face of Muthoot Fincorp in the assigned area.

Skills

Customer acquisition

Relationship building

Business development

Communication skills

Sales

Education

Graduate

Job description

Job Title – Relationship Officer - Home Loan

Grade – JM 1 (15)

Location – Andhra Pradesh

Reports to – Branch Business Manager - Home Loan

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

• 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 1 year experience in working in Retail Assets especially Home Loans and Loan Against Property business. Exposure to Affordable segment preferred.