Relationship Manager Prime Loans

Key Responsibilities

Managerial Responsibilities:

• Identify potential customers directly or through connectors and Direct Selling Agents (DSAs) within the branch business zone and source them under the assigned product.
• Manage relationships with connectors and DSAs to generate business leads and achieve monthly business targets with high-quality standards.
• Ensure timely repayment from sourced customers.
• Develop and execute marketing plans aligned with product and geographic focus.
• Maintain cordial relationships with colleagues and peers, fostering team spirit in every action.
• Execute tasks with complete integrity and transparency.

Functional Responsibilities

• Achieve assigned targets within time limits with support from BM/CM/Ops/CBM majorly from direct channel.
• Attend to leads, explain products, procedures, and benefits, and address all queries from customers and DSAs.
• Conduct initial scrutiny of customers' businesses, assess their ability to repay loans, and evaluate their character and integrity.
• Collect documents from customers, arrange meetings with higher officials, inspect collateral properties, and facilitate property valuation.
• Facilitate legal reports with empanelled advocates and customers.
• Ensure timely creation of mortgages with proper verification and documentation, in line with legal opinions from empanelled advocates.
• Regularly monitor the portfolio to identify and address any early signs of delinquency through proactive measures.
• Make sincere and dedicated efforts to collect and recover overdue amounts from clients on a regular basis.
• Take on additional responsibilities as needed, focusing on deliverables.

Job Requirements

Qualifications:

• Graduate/ Postgraduate

Experience

• Minimum of 4 years of experience in banks/MFI/NBFC lending with strong Prime Loan exposure, particularly in secured loans.
• Ticket Size - 20 lacs to 1 Crore

Functional Competencies

• Build partnerships and coordinate among various stakeholders, including colleagues, senior officials, and customers.
• Identify business opportunities within the given area.
• Take actions consistent with the principles and goals of the organization.

Behavioral Competencies

• Demonstrate responsibility and accountability.
• Build trust and relationships among team members.
• Exhibit a proactive approach, leading by example and adhering to codes of conduct and principles.