Senior Relationship Manager Home Loan

AU SMALL FINANCE BANK; India; On-site; INR 900,000 - 1,500,000; Full time

Job summary

AU Small Finance Bank Limited seeks a Senior Relationship Manager for Home Loan in Zaheerabad. You will handle delinquent accounts, manage bucket-collections, and drive portfolio health through proactive client engagement.

Build strong relationships with dealers, partners and customers; assess documentation, support credit decisions, and ensure compliant servicing to achieve defined targets and growth.

Qualifications

• Proven ability to communicate clearly in regional language and in writing.
• Client-centric approach with respectful relationship handling.
• Strong business tact and conflict resolution capabilities.

Responsibilities

• Understand and align with the bank’s philosophy, pricing strategy, and product offerings.
• Generate and convert leads through dealers, associations, and referrals.
• Meet monthly, quarterly, and annual targets on volume and value.
• Assess customer profiles, collect documents, and support credit approval.
• Maintain channels and ensure steady flow of business and servicing.
• Monitor collections and post-disbursement documentation to minimize risk.
• Travel extensively as required to meet clients and close business.
• Ensure compliance with internal policies and regulatory requirements.
• Gather market intelligence and share feedback with relevant teams.

Skills

Professional communication

Relationship management

Negotiation

Digital applications

Data collection

Tools

CRM software

Job description

Job Description:

Group Company: AU Small Finance Bank Limited

Designation: Senior Relationship Manager Home Loan

Office Location: Zaheerabad Zahirabad

Position description: Handling delinquent accounts, managing bucket-collections as per line of business

Primary Responsibilities

• 1. Understand and align with the company’s core business philosophy, methodology, and product-pricing strategy.
• 2. Identify and assess potential business opportunities within the designated market.
• 3. Generate qualified business leads through various sourcing channels such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals.
• 4. Achieve monthly, quarterly, and annual volume and value targets as per defined performance metrics.
• 5. Assess customer profiles, collect and validate documentation, and recommend proposals for credit approval.
• 6. Ensure the empanelment and regular servicing of sourcing channels to maintain a steady flow of business.
• 7. Prospect and convert both new and existing customers to generate incremental sales.
• 8. Maintain and manage relationships with all sourcing channels to sustain business generation.
• 9. Ensure timely collection of post-disbursement documents and monitor deferrals to minimize operational risks.
• 10. Responsible for collections during the initial six months from self-sourced customers to ensure healthy portfolio performance.
• 11. Conduct asset verification and track early default or non-starter cases for appropriate action.
• 12. Meet individual business thresholds and targets consistently on a monthly basis.
• 13. Deliver timely and efficient customer service, fostering strong relationships to promote repeat and referral business.

Additional Responsibilities

• 1. Execute the company's product and pricing strategy effectively in day-to-day operations.
• 2. Build and maintain strong relationships with sourcing partners including dealers, commercial associates, and referral agents.
• 3. Provide prompt and professional responses to customer service requests and ensure high levels of customer satisfaction.
• 4. Act as a brand ambassador by promoting the company’s values and maintaining a professional presence in the market.
• 5. Ensure all customer interactions and documentation are handled in compliance with internal policies and regulatory requirements.
• 6. Monitor and report any deviations in the onboarding process, documentation gaps, or operational risks to the appropriate teams.
• 7. Support internal audits, compliance reviews, and asset verification activities as required.
• 8. Gather market intelligence and share feedback with relevant teams to help refine products, pricing, and sourcing strategies.
• 9. Promote ethical sales practices and contribute to a healthy and collaborative team culture.
• 10. Maintain accurate records of interactions, leads, and closures in the company’s CRM or reporting systems.

Required Work Experience

• Industry: BFSI
• Role: Executive/Officer
• Years of experience: 0 to 3

Key Performance Indicators

• Business Volume
• Lead Conversion Rate
• Channel Productivity
• Customer Acquisition Cost
• Portfolio Quality
• Collection Efficiency
• Asset Verification Accuracy
• Documentation Compliance
• Customer Satisfaction Score
• Channel Engagement Score
• CRM Compliance
• Referral & Repeat Business Rate

Required Competencies

• 1. ownership and accountability for results
• 2. Customer-centric mindset and actions
• 3. adept at handling digital business apps and software
• 4. hard work and detail-orientation
• 5. eager to learn and grow as a banking professional
• 6. positive mindset, ethical and high integrity
• 7. Bias for Action and Urgency

Required Knowledge

• 1. Product/domain knowledge
• 2. Familiarity with Digital applications
• 3. Target Market Knowledge - Local Area geography familiarity
• 4. Ability to do detailed data collection/recording

Required Skills

• 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken
• 2. Relationship Management - Client-Centric Approach, respectful
• 3. Business tact & Negotiations - resolving Conflict

Required Abilities

• Physical:
  • 1. Physical fitness
  • 2. Mental agility
  • 3. Ability to do extensive field travel/work
  • 4. Ability to handle work pressure and demanding clients
• Other:
  • 1. Valid Two-Wheeler Driving License
  • 2. Personal 2-wheeler
  • 3. Own Smartphone
  • 4. track record of past employment
  • 5. Positive reference check and clear civil report

Work Environment Details: 90% - Field, 10% - Office

Specific Requirements

• Travel: High
• Vehicle: 2-wheeler
• Work Permit:

Other Details

• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related:
  • 1. Aherence to Code of Conduct policy of the bank
  • 2. Non-disclosure of confidential information about bank, clients
  • 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.
  • 4. Share timely customer feedback with sourcing channels.
  • 5. Submit Daily Call Report (DCR) by end of day.