Associate Relationship Officer

Job Requirements

Associate Relationship Officer

Primary Responsibilities

• Conduct zoning activities to map household needs in assigned villages and catchment areas.
• Perform end-user checks post-loan disbursal and work towards achieving monthly and annual group loan booking targets.
• Assess client needs and generate new revenue through cross-sell opportunities based on lifestyle, risk profile, and financial requirements.
• Achieve individual and branch sales goals through new business acquisition, referrals, and relationship retention.
• Encourage behavioural shifts in customers towards digital and online banking.
• Maintain high collections efficiency through disciplined follow-ups.
• Ensure accurate documentation for loans accounts.
• Coordinate with operations officers for timely and accurate data entry.
• Ensure compliance with bank policies and regulatory requirements.
• Conduct field audits and customer verifications to maintain account quality.
• Stay informed about bank products, credit standards, services, and market trends to provide efficient customer service.
  

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

• Preferred: Graduate in any discipline
• Postgraduate: Optional
  

Experience

• 0–1 year of relevant experience in branch banking.
• Freshers are encouraged to apply.
  

• Strong interpersonal and communication skills.
• Customer-centric approach with a focus on service excellence.
• Ability to understand rural customer needs and offer appropriate solutions.
• Basic knowledge of banking products and services.
• Willingness to travel and work in rural areas.
• High level of integrity and compliance orientation.
• Proactive and target-driven mindset.