Senior Relationship Officer - Business Loans

Muthoot Fincorp Limited; Tirunelveli; On-site; INR 450,000 - 600,000; Full time

Job summary

Muthoot Fincorp Limited is seeking a Senior Relationship Officer to drive customer acquisition across PAN India by leveraging business development and branch support to manage the customer journey from lead to loan disbursement.

You will build and nurture a network of referral partners for Micro LAP and gold-backed secured loans, perform proactive outreach including cold calls, and ensure smooth end-to-end processing while upholding service excellence and the company's core values.

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 and Gold backed secured loans.
• 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.
• Nurture and develop excellent relationships with referral partners/connectors.
• Manage the customer journey through sales, process and product championships.
• Activate referral partners for new business.
• Provide doorstep service to customers – at their residence or office.
• Learn the organization’s policies and source files as per policy.
• Act as the eyes & ears of the organization while in the market for new opportunities.
• Support customers in end-to-end loan processing.
• Act as the bridge between customers and the branch.
• Be responsible for soft bucket collections, early mortality and 12 MOB fresh sourcing.
• Cross-sell insurance effectively to loan customers to safeguard property, health & life.
• Be the face of SULB Muthoot Fincorp for the assigned area.
• Retain existing live loan customers.

Skills

Results Orientation

Customer Service & Retention

Presentation Skills

Relationship Building

Process Knowledge

Cross Selling / Upselling

Business Development

Communication Skills (local language &

Education

Graduate

Job description

SENIOR RELATIONSHIP OFFICER

Company Name – Muthoot Fincorp Limited Job Title – Relationship Manager, Secured & Unsecured Business Loans Grade – C2 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.