Relationship Manager - Retail

Sales & Business Development

• Source new customers through direct sales, referrals, builders, DSAs, and channel partners.
• Achieve monthly, quarterly, and annual sales targets.
• Promote and sell retail loan products as per company guidelines.
• Develop and maintain a strong pipeline of prospective customers.

Customer Relationship Management

• Build and maintain long-term relationships with customers.
• Understand customer financial requirements and provide suitable solutions.
• Ensure high customer satisfaction through prompt service and regular follow-up.
• Handle customer queries and resolve issues efficiently.

Channel Management

• Establish relationships with builders, real estate agents, connectors, and channel partners.
• Conduct regular meetings with channel partners to generate business leads.
• Increase market penetration through networking and local market activities.

Loan Processing & Coordination

• Assist customers in completing loan application formalities.
• Coordinate with Credit, Operations, Legal, Technical, and Customer Service teams for smooth loan processing.
• Ensure timely submission of documents and follow-up for loan disbursement.

Portfolio Quality

• Ensure sourcing of quality customers with adherence to company policies.
• Maintain portfolio health by minimizing delinquency and default risks.
• Support collection activities when required.

Compliance & Documentation

• Ensure compliance with regulatory and company guidelines.
• Verify customer documents and maintain accurate records.
• Adhere to KYC, AML, and internal audit requirements.

Required Qualifications

• Graduate in any discipline (MBA preferred).
• 1-5 years of experience in Retail Banking, Housing Finance, NBFC, or Financial Services.
• Freshers with strong sales aptitude may be considered for entry-level positions.

Required Skills

• Strong sales and negotiation skills.
• Customer relationship management.
• Excellent communication and interpersonal skills.
• Market knowledge and networking ability.
• Problem-solving and analytical skills.
• Proficiency in MS Excel, Word, and CRM systems.
• Ability to work under target-driven environments.