Associate Relationship Manager

Role & responsibilities

1. Business Acquisition & Sales

• Source and acquire new customers for HL & LAP through direct channels, connectors, DSA/agents, and open-market activities.
  
• Generate leads through field visits, marketing activities, references, and builder/channel partner relationships.
  
• Conduct detailed need assessments of customers to match loan offerings effectively.
  
• Achieve monthly login, sanction, and disbursement targets as per business goals.
  

2. Customer Relationship Management

• Maintain regular follow-ups with customers from lead stage to disbursement.
  
• Provide end-to-end assistance, including loan explanation, documentation guidance, and product clarification.
  
• Build long-term relationships with customers to increase cross-sell and repeat business opportunities.
  
• Resolve queries promptly to ensure a smooth onboarding and post-disbursement experience.
  

3. Documentation & Compliance

• Collect, verify, and validate KYC documents, financials, bank statements, and property-related documents.
  
• Coordinate with credit, legal, technical, and operations teams to ensure timely processing of loan files.
  
• Ensure documentation accuracy and strict adherence to company policies and RBI compliance requirements.
  
• Track file movement at every stage and highlight discrepancies immediately for faster resolution.
  

4. Market Intelligence & Channel Development

• Develop and nurture relationships with builders, property brokers, CA firms, DSAs, and referral partners.
  
• Stay updated on competition offerings, pricing, local market trends, and customer preferences.
  
• Identify new business segments and geographical pockets for quality sourcing.
  

5. Portfolio Quality & Risk Management

• Ensure healthy sourcing by following proper eligibility checks and preliminary assessments.
  
• Maintain a low-delinquency portfolio by identifying early warning signals.
  
• Support collections team when required for overdue accounts.
  

Preferred candidate profile

• Strong understanding of Home Loan & LAP products, documentation, and property evaluation basics.
  
• Excellent communication, negotiation, and interpersonal skills.
  
• Ability to build strong customer and channel relationships.
  
• Target-driven mindset with high self-motivation and field orientation.
  
• Good understanding of income assessment for salaried & self-employed customers.
  
• Basic knowledge of legal & technical checks related to property.