Relationship Manager (RM)

Business Development & Sourcing

• Generate leads through direct field sourcing.
• Build and manage a strong local referral network.
• Achieve monthly login and disbursement targets.
• Conduct customer meetings and explain product features, eligibility, and documentation requirements.

2. Collect Documentation

• Collect KYC, financial, banking, and property documents.
• Coordinate with credit and operation teams for smooth case processing.
• Ensure proper documentation before login to minimize rejection.

3. Process & Compliance

• Maintain adherence to RBI and internal NBFC compliance norms.
• Ensure accurate data entry in LOS and CRM systems.
• Follow TAT benchmarks for login to disbursement.
• Maintain audit-ready documentation standards.

4. Relationship & Portfolio Management

• Maintain strong relationships with existing borrowers.
• Monitor repayment behavior and flag early delinquency risks.
• Support collections in case of stress accounts.

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Key Performance Indicators (KPIs)

• Monthly login volume
• Disbursement value
• File quality ratio
• Approval-to-login conversion
• Portfolio delinquency (PAR metrics)

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Requirements

Eligibility Criteria

• Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or Management preferred.
• 0.5–5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
• Local market knowledge is essential.

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Required Competencies

• Sales orientation with negotiation skills
• Credit appraisal basics
• Documentation and compliance awareness
• Relationship building capability
• Field mobility and market penetration skills

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Benefits

Compensation Structure

• Fixed salary (as per experience)
• Performance-based incentives linked to disbursement and portfolio quality
• Travel allowance (as applicable)