Relationship Officer

Job Title: Relationship Officer (RO)

Role Overview

The Relationship Officer (RO) will be responsible for sourcing, evaluating, and closing secured business loans (primarily Loan Against Property – LAP). The role requires strong field sales capabilities, credit understanding, and relationship management skills to drive quality disbursements while maintaining portfolio health.

Key Responsibilities

1. 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.
  

Key Performance Indicators (KPIs)

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

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.
  

Required Competencies

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

Compensation Structure

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

Requirements

Gender - Male / Female Both can apply
Age - 20 to 30
Two wheeler must
Experience - Min. 6 months

Job Locations:-



State
Branch
MADHYA PRADESH
Ratlam
Mandsaur
Neemuch
Badnagar
Jaora
Nagda
Ujjain
Khandwa
Khargone
Dhamnod
Indore
Dhar
Pithampur
Dewas


RAJASTHAN
Jaipur
Reengus
Kotputli
Sikar
Kuchaman City
Nawalgarh
Neemkathana

Benefits

1. EPFO
2. ESIC
3. GTLI & GMC
4. GRATUITY
5. LEAVE
6. Second Sat. Off
7. PROMOTION
8. INCENTIVES
9. AWARDS & REWARDS
10.TIMELY SALARY