Associate Relationship Manager-Group

Job Requirements

Associate Relationship Manager – Group Business

Rural Banking

Retail Banking

Joint Liability Groups (JLGs)

Primary Responsibilities

• Conduct zoning activities to map household needs in assigned villages and areas.
• Create and manage Joint Liability Groups and centres through formation, disbursal, and collection phases.
• Perform end-user checks post loan disbursal and meet monthly and annual group loan booking targets.
• Assess client needs and generate new revenue streams through cross-selling based on lifestyle, risk profile, and financial requirements.
• Achieve individual and branch sales goals through new business acquisition, referrals, and account retention.
• Maintain high collection efficiency through disciplined follow-ups and engagement.
• Ensure accurate documentation for loans accounts.
• Coordinate with operations officers for timely and accurate data entry.
• Ensure full compliance with bank policies and regulatory requirements.
• Conduct field audits and customer verifications to maintain account quality.
• Gather market intelligence and benchmark against competitor practices.
  

• Recommend process improvements to enhance service efficiency and quality across the branch network.
• Support implementation of livelihood advancement and community development initiatives.
  

• Graduate in any discipline.
  

Experience

• Minimum 1 years of relevant experience in JLG product or related fields.
  

• Strong understanding of rural customer needs and market dynamics.
• Ability to build and manage customer relationships at the household level.
• Proficiency in loan documentation and operational coordination.
• Excellent communication and interpersonal skills.
• Commitment to compliance and high service standards.
• Capability to support community development and livelihood initiatives.