Relationship Officer

Job Context Key Aspects: ·      Providing housing finance (to buyers), Loan against Property, Commercial Property Purchase, Lease Rental Discounting and Construction Finance (to builders) solutions caters to a diverse range of customer segments through its various service offerings. Additionally, being predominantly retail driven, the business is characterized by high volume of loan transactions and customer relationships. As a result, business performance is strongly impacted by people, process and organizational efficiencies, alongside core business drivers such as product/ solution quality, channel and customer relationship management and risk management. ·      While unit of sizing up the business is its loan book size, profitability and minimized delinquency are also key business objectives. ·      Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to clients ·      For retail customers, identifying and acting on relevant needs in an efficient manner ensuring process, statutory and regulatory compliance at all times, are key for building business performance and sustainability ·      For institutional/ builder customers, understanding and addressing business needs via proactive relationship management and customized solution fitment, while ensuring compliance at all times, are important to gain competitive advantage ·      The Relationship Officer (Direct) is responsible for achieving sales targets through the direct channels as agreed with the Sales Manager (Direct) and ASM, in terms of targeted book size, growth & customer service objectives. Key Challenges ·      To execute sales operations to achieve assigned targets ensuring adequate sourcing funnel and considering local factors, such as competitor presence, existing relationships, new prospect opportunities, etc. ·      To liaise with ground-level client stakeholders for relationship origination and maintenance, focusing energies on key clients/ prospects and escalating cases as required ·      To upgrade financial & operational know how on market/ local trends, effective negotiation and relationship building, and efficient loan processing for strengthening customer relationships while ensuring portfolio health and profitability ·      To check credit quality via effective portfolio selection/ pre-screening, and work with Risk team members to minimize potential NPAs while driving efficient sales operations ·      To ensure compliant sales operations at all times, despite sales pressures and market cycles