Relationship Manager-Individual

As a Relationship Manager-Individual Loan (MEL/PL) in the Rural Banking department, your main objective is to establish and strengthen relationships with Rural Banking accounts while delivering exceptional service to customers. You will be tasked with identifying business owners and entrepreneurs within the assigned area to understand their business loan requirements. Your role will involve acquiring new clients, fostering household-level customer relationships, and maximizing the lifetime value of each relationship to contribute towards overall organizational objectives. Your responsibilities will include ensuring prompt disbursal of business loans based on client needs assessment, conducting post-loan disbursal checks, and meeting group loan booking targets. You will need to assess client needs, identify cross-selling opportunities, and generate additional revenue streams while focusing on customer lifestyle, risk profiles, and preferences. Furthermore, you will play a key role in expanding liabilities business in Rural markets through lead generation and account opening activities tailored to customer requirements. To achieve individual and branch sales targets, you will be responsible for new business sales, customer referrals, and maintaining strong account relationships. Monitoring collections efficiency, conducting field audits, and customer verifications are also crucial aspects of your role to ensure high-quality accounts. Staying updated on market trends, competitor practices, and customer feedback will be essential to inform growth strategies and recommend service efficiency enhancements across the branch network. In terms of managerial and leadership responsibilities, you will be expected to attract and retain top talent for key positions within your team. Monitoring employee productivity, hiring quality, and attrition rates will be part of your role to make necessary improvements and provide support to enable teams to achieve growth targets effectively. The ideal candidate for this position should have a Bachelor's degree in a relevant field such as Engineering, Technology, Mathematics, Commerce, Arts, Science, Biology, Business, Computers, or Management. Additionally, a minimum of 5 years of experience in rural banking is required to excel in this role.,