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

https://jobeax.com/link/1T5wVIskRUHpZPEg SALARY

Relationship Officer

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