Relationship Manager - Lucknow / Bareilly / Prayagraj

Relationship Manager - Lucknow / Bareilly / Prayagraj

Role Overview

Become the face of our NBFC Client in empowering local entrepreneurs. As an RM, you'll source, assess, and nurture MSME client relationships—driving credit outreach, portfolio growth, and impactful outcomes in underserved regions.

✅ Key Responsibilities

1. New Client Acquisition & Market Engagement

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Scout and acquire new MSME clients through field visits, local partnerships, and community events—aiming for daily client interactions and steady onboarding

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Build lead pipelines through strong networking & references.

2. Credit Assessment & Loan Structuring

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Conduct financial analysis ensuring alignment with Clients lending guidelines.

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Prepare loan proposals, coordinate internal approvals, and work with credit & operations for documentation and disbursement

3. Portfolio Management & Customer Delight

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Maintain and monitor an MSME loan portfolio—tracking repayment schedules, addressing delays, and flagging risks early on.

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Deliver proactive service: timely resolution of queries, periodic client visits to build trust, and foster long-term relationships

4. Cross-Sell & Liability Book Growth

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Identify opportunities to cross-sell our Clients products.

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Drive overall revenue growth by strengthening share-of-wallet across existing client base.

5. Market Intelligence & Community Engagement

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 Be a pulse to the local MSME economy—track competitor offerings, interest rate trends and shifts in customer needs

6. Compliance, Reporting & Coordination

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 Ensure adherence to RBI/NBFC credit norms, and internal policies

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 Collaborate with Credit, Compliance, Operations, and Branch Manager to ensure smooth execution.

🎓 Required Qualifications & Skills

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 Education: Degree

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 Experience: 2–5 years in MSME/SME lending or NBFC/Banking role, particularly working capital and term loans for micro and small enterprises

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 Skills:

o Strong sales orientation with proven acquisition track record.

o Analytical skills in financial statement review and credit evaluation.

o Excellent communication, relationship-building, and negotiation skills.

o Familiarity with CRM systems, MS Office, and local market context.

o Regional language proficiency along with English/Hindi.

🌟 Why Join our Client

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 On-ground impact: Directly empower Bharat’s entrepreneurs in smaller towns.

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 Growth opportunity: Fast-track learning under branch leadership and state heads.

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 Incentive-rich: Competitive pay plus performance-based rewards.

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 Culture-first: Agile, supportive environment valuing frontline feedback and innovation.

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 This position reports into the Branch Manager