Senior Relationship Officer

Veerwal Getwork Services; New Delhi; On-site; INR 300,000 - 420,000; Full time

Job summary

Veerwal Getwork Services is hiring for a field sales role focused on Home Loans and LAP in the Delhi area. You will generate leads, visit neighborhoods, and build a robust network of DSAs, brokers, and builders to drive loan conversions.

The role requires 1–5 years in home loan sales, ownership of a vehicle for daily field visits, and the ability to explain loan terms and documentation clearly to customers. Prior NBFC/HFC experience is preferred.

Qualifications

• 1–5 years of experience in Home Loan, LAP, or Mortgage Loan field sales.
• Prior experience in NBFC, Housing Finance Company, or Small Finance Bank preferred (helpful).
• Vehicle ownership required for field visits (two- or four-wheeler).
• Knowledge of credit underwriting, LTV norms, and loan documentation is a plus.

Responsibilities

• Generate Home Loan and LAP leads through field visits, calls, and networks.
• Build and manage a connector network: DSAs, CAs, brokers, builders, influencers.
• Conduct daily field visits to target localities and projects.
• Profile customers, assess income, and property for eligibility.
• Explain loan terms, processing fees, and documentation requirements.
• Coordinate with credit and operations for smooth processing and sanction.

Skills

Lead generation

Client onboarding

Field sales

Communication

Target-driven

Tools

CRM/LOS tools

Job description

Key Responsibilities

Business Generation & Sourcing

• Generate Home Loan and LAP leads through field visits, cold calls, and local reference networks
• Build and manage a strong connector network DSAs, CAs, brokers, builders, and market influencers
• Conduct daily field visits to target localities, builder projects, and resale property markets
• Identify eligible customers through initial profiling, income assessment, and property evaluation

Loan Processing & Customer Onboarding

• Conduct initial customer profiling and collect KYC and income documentation
• Explain loan eligibility, interest rates, EMI structure, processing fees, and documentation requirements
• Coordinate with credit and operations teams for smooth loan processing and sanction
• Ensure timely disbursement by following up on pending documents and approvals
• Guide customers through the end-to-end loan journey — from application to disbursal

Portfolio Quality & Compliance

• Maintain portfolio quality by sourcing creditworthy customers and conducting proper due diligence
• Follow up on early delinquency cases and ensure timely EMI collections in the initial months
• Ensure strict adherence to KYC norms, credit policies, and RBI/company compliance guidelines
• Maintain accurate daily productivity records — logins, sanctions, and disbursements

Target Achievement

• Achieve monthly Home Loan and LAP disbursement targets as assigned by the branch
• Track and report daily login, sanction, and disbursement metricsMaintain strong conversion ratio from lead to sanction to disbursal

Candidate Requirements

Mandatory

• Experience: 1–5 years of experience in Home Loan, LAP, or Mortgage Loan field sales
• Background: Prior experience in NBFC, Housing Finance Company, or Small Finance Bank preferred
• Vehicle: Own vehicle (two-wheeler or four-wheeler) — field visits are daily and non-negotiable
• Knowledge: Basic understanding of credit underwriting, LTV norms, and loan documentation
• Sales Skills: Strong lead generation and conversion skills in a target-driven environment
• Communication: Good communication in local language — ability to explain financial products clearly to customers

Preferred

• Existing connector/DSA network in the assigned territory
• Prior experience with home loan CRM or LOS (Loan Origination System) tools
• Knowledge of local property market, builder projects, and resale transactions
• Experience handling small ticket home loans (10–50 lakhs) in semi-urban or urban markets