Relationship Manager-Individual

Job Requirements

Relationship Manager – Micro Enterprise Loan

Primary Responsibilities

• Ensure timely disbursal of business loans based on thorough assessment of client needs.
• Conduct post-disbursal end-user checks and meet monthly and annual group loan booking targets.
• Evaluate client requirements and generate new revenue through cross-selling, aligned with customer lifestyle, risk profile, and financial goals.
• Drive penetration of products in rural markets through lead generation and account opening.
• Achieve individual and branch-level sales targets through new business acquisition, referrals, and customer retention.
• Maintain high collection efficiency through disciplined follow-ups and monitoring.
• Conduct field audits and customer verifications to ensure account quality.
• Collect and analyse market intelligence, benchmarking against competitor practices.
• Evaluate growth strategies based on competitor analysis and customer feedback.
• Recommend process improvements to enhance service delivery and operational efficiency.
• Lead and support livelihood advancement and community development initiatives.
  

• Manage and develop a team of field officers, ensuring performance and minimizing attrition.
• Attract and retain top talent for key roles within the reporting structure.
• Monitor employee productivity, hiring quality, and attrition rates; implement improvements as needed.
• Provide strategic support to enable teams to achieve growth targets.
  

• Graduate degree in any discipline (e.g., BA, BCom, BBA, BSc, BTech, BE).
  

Experience

• 3 to 5 years of relevant experience in rural banking or financial services.
  

• Strong understanding of rural markets and micro enterprise lending.
• Proven ability to assess financial needs and deliver tailored solutions.
• Excellent interpersonal, communication, and leadership skills.
• Target-driven with a focus on customer acquisition and relationship management.
• High attention to detail and commitment to compliance and documentation standards.
• Ability to manage and motivate field teams effectively.
• Passion for community development and financial inclusion.