Associate Relationship Manager-MEL/PL

As an Associate Relationship Manager-Micro Enterprise Loan (MEL) / Personal Loan in the Rural Banking department, your role involves deepening relationships with Rural Banking accounts and providing excellent service to customers. Your main responsibilities include supporting the Relationship Manager in identifying business owners/entrepreneurs in the designated area, assessing their business loan requirements, driving client acquisition, and building household-level customer relationships to achieve organizational goals. **Roles & Responsibilities:** - Manage zoning activity to map household needs in villages and allocated areas. - Conduct end-user checks post loan disbursal to meet monthly and annual group loan booking targets. - Assess client needs, identify cross-sell opportunities, and generate new revenue sources based on lifestyle, risk profile, and requirements. - Increase liabilities business penetration in Rural markets by generating leads and opening accounts based on customer needs. - Achieve individual and branch sales targets through new business sales, referrals, and retaining account relationships. - Encourage customers to adopt online banking for improved service delivery. - Maintain high collections efficiency through discipline and drive. - Ensure accurate documentation of loans and saving accounts. - Coordinate with operations officer for timely and accurate data entry. - Ensure compliance with bank regulations. - Conduct field audits and customer verifications to uphold account quality. - Stay updated on market intelligence and benchmark against competitor practices. - Recommend process improvements to enhance service efficiency and quality across the branch network. - Support the implementation of livelihood advancement and community development initiatives. **Education Qualification:** - Graduation in BA/BCom/BBA/BSc/BTech/BE or any other graduate degree. **Experience:** - 0 to 1 years of relevant branch banking experience.,