Relationship Manager

The Relationship Manager (RM) 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)

The Relationship Manager (RM) 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.

 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.