Associate Relationship Manager-LAP
About this role
Job Requirements
Job Title – Associate Relationship Manager-LAP
Place of work- Rajasthan/Gujarat/Karnataka/Madhya Pradesh/Chhattisgarh/Odisha/Andhra Pradesh
Business Unit - Rural Banking
Function- Retail Assets
Job Purpose :
The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify mortgage needs of customers and provide appropriate lending solutions ( Loan Against Property) . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
Roles & Responsibilities:
- Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
- Contribute to penetration of mortgage business in Rural markets through lead generations and account opening as per needs of customer
- Spearhead mapping of detailed household needs based on direct customer interactions
- Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets
- Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship and maintain high collections efficiency
- Lead preparation of quality documentation of loans to ensure minimum queries / rejections from Operations / Credit teams
- Coordinate with operations officer to ensure timely and accurate data entry
- Ensure compliance as per the bank requirements
Secondary Responsibilities:
- Recommend process changes in order to improve service efficiency and quality across the branch network
- Provide support for implementation of livelihood advancement and community development initiatives.
Key Success Metrics:
Customer Acquisition targets, Cross sell targets
Educational Qualifications:
Graduate-Any-Full Time
12th- Any
Experience:
0-3 Years in NBFCs/Banking.
Company at a glance
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Formed in December 2018 through the merger of infrastructure finance giant IDFC Bank and retail finance specialist Capital First, we commenced commercial banking operations in 2016. Our core principles:
Vision: Building a world-class bank in India, driven by ethical, customer-friendly, digital, and socially responsible banking principles.
Universal Bank: Offering a comprehensive range of services like Retail, MSME, Rural, Startups, Cash & Wealth Management, Deposits, Corporate & Government Banking, Working Capital, Trade Finance, and Treasury Solutions.
Ethical Banking: We follow a 'Near and Dear' test, ensuring products are customer-friendly enough for employees to recommend to loved ones. We simplify legal jargon for clarity and offer 'ZERO FEE Banking' on all savings account services like SMS alerts, IMPS, RTGS, NEFT, ATM withdrawals, and more, making it India’s 1st & only bank to do so.
Customer-Friendly Banking: IDFC FIRST Bank credits monthly interest on savings accounts, offers lifetime-free credit cards with non-expiring rewards and transparent fees.
Technology-led Banking: Seamless services across mobile, branches, internet banking, call centres, & relationship managers. Our mobile app, with 250+ features, is rated 4.8 on Google Play & the App Store.
Global rating agency Forrester ranked it India’s best & among the world’s top 20 for two consecutive years.
Social Good Banking: Focusing on financial inclusion, we serve 40M+ customers, with 16M lifestyle improvement loans,15M loans to 4.3M women entrepreneurs, 6.5M vehicle loans, 1M each for sanitation & livelihood, 300K SME, and 100K home loans.
ESG Goals: We hold high ESG scores, demonstrating our commitment to financial inclusion & social responsibility.
Creating a new-age, ethical and world-class institution for India is a privilege for its employees.
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