Relationship Officer - Secured & Unsecured Business Loans

Muthoot Fincorp Limited; Hapur; On-site; INR 300,000 - 450,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a Relationship Officer for Secured & Unsecured Business Loans to drive customer acquisition across PAN India. You will build a network of referral partners, engage customers through doorstep service, and guide them through end-to-end loan processing.

The role requires a Graduate with hands-on experience in retail assets or home loans, strong relationship skills, and the ability to collaborate with branch teams to meet sales targets.

Qualifications

• Graduate with 2+ years in retail assets or home loans preferred.
• Experience in loan sales, customer acquisition, and cross-selling.
• Strong communication and relationship management abilities.

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.
• Retain existing live loan customers.

Skills

Sales

Relationship building

Customer service

Communication skills

Lead generation

Education

Graduate

Job description

RELATIONSHIP OFFICER

Company Name – Muthoot Fincorp Limited

Job Title – Relationship Officer, Secured & Unsecured Business Loans

Grade – C1/C2/C3

Designation – Location – PAN India

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.
• Retain existing live loan customers.

Knowledge, Skills & Attributes

• Result Orientation Customer Service & Retention Focus Strong presentation skills
• Relationship Building & Stake holder Management
• Process Knowledge/ Orientation
• Cross Selling / Upselling Skills
• 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 Collaboration 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 Excellence 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” Honesty 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.