About the role

Relationship Manager

Job Summary:

The Relationship Manager plays a crucial role in nurturing business relationships while driving the growth of MSE (Micro and Small Enterprises) loans, including LAP (Loan Against Property), OD (Overdraft), Working Capital, and Equipment Loans. This position not only focuses on sourcing business through various channels but also ensures the timely collection of dues, directly impacting the organization's financial performance and customer satisfaction.

Key Responsibilities:

Source MSE Loan products, including LAP, OD, Working Capital, and Equipment Loans, primarily through DSA (Direct Selling Agent) channels and the open market.
Collaborate with branches to enhance sourcing opportunities and business visibility.
Communicate effectively with potential clients to understand their needs and provide tailored financial solutions.
Manage and maintain an active pipeline of leads and clients to ensure continuous engagement and conversion.
Oversee the collection processes for Bucket Zero accounts, ensuring optimal repayment timelines and practices.
Develop and implement strategies to expand the customer base and enhance product awareness.
Provide regular updates and reports on sourcing activities and collection outcomes to senior management.

Requirements:

A graduate or postgraduate degree in finance, business administration, or a related field.
A minimum of 1 year of experience in sourcing MSE LAP, OD, Working Capital, or Equipment Loans.
Proficient in establishing and maintaining client relationships, especially through DSA and direct channels.
Knowledge of the financial products and services industry, particularly related to MSE financing.
Strong analytical and problem-solving skills to evaluate client needs and respond effectively.
Excellent communication and interpersonal skills to foster relationships within and outside the organization.
A proactive approach to work with the ability to meet targets and deadlines consistently.

Preferred Qualifications:

Experience in a financial institution or bank focusing on MSE products and services.
Demonstrated success in sourcing business through innovative strategies or campaigns.
Existing relationships with DSA agents and networks in Nashik, Pune, and Ahmednagar regions.
Proven track record of achieving or exceeding sales targets in a competitive environment.

Benefits:

Competitive salary with a CTC up to 7.5 Lakhs PA, with no bar for the right candidate.
Performance-based bonuses and incentives aligned with individual and company goals.
Comprehensive health insurance coverage for employees and their families.
Opportunities for professional development and career advancement within the organization.
Flexible work environment that promotes work-life balance.
Employee engagement programs and team-building activities to foster camaraderie.
Access to exclusive financial training and workshops to enhance skill sets.

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RM MSE / Machinery Loan