Relationship Officer/Senior Relationship Officer/ Relationship Manager

2 days ago


Bhiwadi, Rajasthan, India Finova Capital Full time ₹ 9,00,000 - ₹ 12,00,000 per year

Primary Responsibilities:

1. Sales Target Achievement:

Meet or exceed the monthly sales targets in terms of Value and number of files.

Identify and approach potential customers for secured loans.

2. Lead Generation and Development:

Generate leads through door-to-door campaigns, local marketing activities, and customer referrals.

Build and maintain a healthy sales pipeline using CRM tools.

3. Customer Engagement:

Explain loan products, terms, and benefits to prospective customers.

Address customer concerns, handle objections, and provide customized loan solutions.

Ensure high-quality customer service throughout the sales cycle.

4. Loan Documentation and Processing:

Assist customers in completing loan applications and collecting required KYC documents.

Conduct preliminary checks to ensure document authenticity and completeness.

5. Collections and Customer Retention:

Educate customers about repayment schedules and terms.

Follow up with overdue customers to ensure timely repayments & also educate them.

Maintain positive relationships to encourage repeat business and referrals.

6. Compliance and Ethics:

Adhere to all regulatory requirements (KYC, AML) and company policies.

Ensure ethical selling practices to protect the companys reputation.

Knowledge, Skills, and Experience

Knowledge:

Understanding of secured lending products and the loan lifecycle.

Familiarity with local demographics and customer behaviors.

Basic knowledge of regulatory and compliance requirements.

Skills:

1. Sales Skills:

Effective pitching, rapport building, and objection handling.

2. Customer Relationship Management:

Empathy, active listening, and conflict resolution.

3. Analytical Skills:

Assessing customer creditworthiness and identifying target customer profiles.

4. Technical Proficiency:

Experience using CRM software and digital tools for lead management.

Experience:

  • 0-4 years of experience in sales, preferably in NBFCs, microfinance, or secured lending roles. Fresh graduates with strong local market knowledge will also be considered.

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