Relationship Officer

**Relationship Officer-Micro Mortgages - Tamilnadu & KA**:
Multiple locations
- Department
- SOUTH BUSINESS
- Job posted on
- Jul 03, 2025
- Employment type
- Permanent- POSITION DESCRIPTION
- JOB TITLE
- Relationship Officer
- Micro Mortgages
- GRADE
- DM-II
- DEPARTMENT
- Micro Mortgages
- LOCATION
- BRANCH
- SUB-DEPARTMENT
- TYPE OF POSITION
- Full-time
- REPORTS TO
- Cluster Manager
- Micro Mortgages
- REPORTING INTO
- ROLE PURPOSE & OBJECTIVE- Lead Generation - Conduct regular marketing and sales activities to generate leads from the identified markets- Dealing with the Customers
- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.- SIZE OF THE ROLE
- FINANCIAL SIZE
- NON-FINANCIAL SIZE- Shall be expected to manage a portfolio of Rs.5 Cr. Progressively- Managing a single product across the branch catchment area- Managing a customer base of 100 customers progressively- KEY DUTIES & RESPONSIBILITIES OF THE ROLE

**Business/ Financials** Achieve the set targets on MLAP Loans in terms of open market acquisition and existing potential customer conversion- Maintain database of the prospects, meet select prospects and manage the relationship thereafter- Attend X (to be defined) number of prospects in a day/week/month to generate leads and references for MLAP Loans- Should be ready to travel extensively across the catchment area of the location to build the base of business

**Customer (Both Internal & External)**- Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective- Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization

**Internal Process** Visit the customer’s business and home to do the assessment/evaluation, following the “Product Policy” procedures.
- Coordinate with the credit department in case of identifying discrepancies or problems in customer’s information, reports, etc. through Cluster Manager - MLAP

**Innovation & Learning**- Maintain up to date knowledge of MLAP product as well as a working knowledge of other products offered in the branch
- Inform Cluster Manager - MLAP about the demand in his/her assigned branch catchment as well as on the competition on a regular basis- Ensure adherence to training man-days/ mandatory training programs for self- Should be updated with the latest trends in civic and local laws of the location of operation- MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
- Educational
- Qualifications-
- Experience(Years and Core Experience Type)- 2 years in sales and documentation of loans of which at least 1 years in Housing Loans, home loans or loan against property in an NBFC/ Bank/HFC. Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales
- Certifications- Relevant certifications shall be an added advantage
- Functional Skills
- Knowledge of Secured loans/ Mortgage Loans
- Sales and marketing skills - retail financial products
- Communication Skills - fluent in the local language & can read-write basic English- Equipped enough to read and understand the legal papers
- Behavioral Skills- Sound Product knowledge- Willingness to travel across the branches and catchment to expand the business- Managing customer relations- Performance oriented
- Competencies- Good Computer Knowledge- KEY INTERACTIONS
- INTERNAL
- EXTERNAL- Branch Managers- Regional Operations, Credit- IL Loan Officers, CROs- Area Technical Manager- Legal Vendors- External marketing agencies- Competitor Counterparts
- PREPARED BY : PRESHAANTH R
- DATE : 18-09-2021
- REVIEWED BY : PRADEEP B
- DATE : 18-09-2021
- LAST UPDATED BY : TM Team
- DATE : 15-01-2024