Job Description – Relationship Manager (RM) – Secured Business Loans
Job Purpose
To drive business growth by acquiring new customers for Secured Business Loans (MSME Loans, Loan Against Property, and other secured lending products), manage the complete sales cycle from sourcing to disbursement, and build long-term customer relationships while ensuring portfolio quality.
Key Responsibilities
Business Development
- Acquire new MSME and business customers through field sales, market visits, referrals, connectors, and channel partners.
- Generate quality leads and achieve monthly business sourcing and disbursement targets.
- Identify business opportunities in the assigned geography.
Customer Acquisition & Relationship Management
- Meet prospective customers to understand their financial requirements.
- Explain suitable secured loan products and provide end-to-end guidance.
- Build and maintain strong relationships with customers, influencers, and business communities for repeat business and referrals.
End-to-End Loan Processing
- Source loan proposals as per company credit policies.
- Collect and verify KYC, financial, property, and business documents.
- Coordinate with Credit, Legal, Technical, Operations, and Risk teams to ensure timely sanction and disbursement.
- Track every application from login to disbursement and resolve process bottlenecks.
Portfolio & Compliance
- Ensure sourcing of quality business with adherence to company policies.
- Maintain portfolio health through regular customer engagement.
- Ensure complete compliance with KYC, AML, and internal audit requirements.
- Maintain accurate records in CRM and submit timely MIS reports.
Key Performance Indicators (KPIs)
- Business sourcing and disbursement achievement.
- New customer acquisition.
- Lead-to-login and login-to-disbursement conversion ratio.
- Portfolio quality and delinquency levels.
- Customer retention and referral generation.
- Process and compliance adherence.
- Turnaround Time (TAT) for application processing.
Eligibility
- 1–6 years of experience in Secured Business Loans, MSME Loans, LAP, or Mortgage Loans.
- Strong knowledge of secured lending, credit documentation, and local markets.
- Good communication, negotiation, and relationship management skills.
- Willingness to travel extensively for field sales and customer visits.
Key Competencies
- Sales & Business Development
- Field Sales
- Relationship Management
- Customer Acquisition
- Credit & Documentation Knowledge
- Negotiation Skills
- Market Networking
- Result Orientation
- Team Collaboration
- Time Management
Pay: ₹18,338.14 - ₹27,000.00 per month
Benefits:
Work Location: On the road
