Relationship Manager

Market Facing Designation

LOCATIONS:TIRUNELVELI,THOOTHUKUDI,KANCHIPURAM

1.Relationship Manager 2.BRANCH MANAGER 3.BRANCH CREDIT MANAGER

1.Relationship Manager

Reports to

Branch Manager

CTC

3 to 4 Lacs

Conveyance & Incentives

Local Conveyance (as per the policy) Monthly need to be claimed &

Incentives (Quarterly)

Candidate Profile



Graduate /MBA



2+ Years of Experience in Banking / Financial Services / Insurance in

SME Sales(Secured)



Age upto 35 years



The candidate must possess good understanding of mSME Products

and should be localitie of the area



Good Communication and interpersonal Skills



Two wheeler and Smartphone is mandatory

Job Role Specifics



Acquiring new Customers through direct channel and self-source



Handling MSME LAP



To do Cross selling



Doing various Marketing activities in SME clusters,(Canopy, Loan fairs

exhibitions, micro marketing etc)



Worked with managers to develop and manage strategic sourcing

plans to achieve targets



Maintaining the existing client relationship and identifying the new

customers and business



To maintain good relationship with internal stakeholders, Technical,

Legal, Operations & Credit team



Maintaining Data Pertaining to logins, disbursement, IRR and

Insurance



Executing Documentation while disbursing the limit

2.BRANCH MANAGER

Job Title: Branch Manager – Small ticket Business LAP

Department: Sales

Location: [Specify City/Region]

Reporting To: Regional Sales Manager / Zonal Sales Manager

Job Purpose:

To lead and drive the sales team to achieve disbursement and revenue targets in the Micro LAP

segment, ensuring high-quality sourcing, portfolio health, and strong market presence.

Key Responsibilities:

1. Sales & Business Development

Drive sales for the Micro LAP product (ticket size ₹5–50 lakhs).

Achieve monthly and quarterly disbursement, yield, and cross-sell targets.

Identify new business opportunities in branch catchment areas.

Develop and implement local strategies to increase market penetration.

2. Team Management

Lead, motivate, and monitor a team of Sales Officers / Relationship Managers.

Guide the team on lead generation, customer acquisition, and file quality.

Conduct regular performance reviews and ensure productivity targets are met.

Train and mentor team members for skill enhancement and career growth.

3. Credit & Portfolio Quality

Ensure sourcing of high-quality cases with proper due diligence.

Maintain healthy portfolio quality by minimizing delinquency and NPAs.

Coordinate with the credit and operations team for smooth loan processing.

4. Market & Competitor Analysis

Keep track of market trends, competitor activities, and rate movements.Provide feedback to management for product and policy improvements.

5. Compliance & Documentation

Ensure adherence to company policies, KYC, and regulatory guidelines.

Maintain accurate MIS reports and ensure timely submission to management.

Key Skills & Competencies:

Strong understanding of secured lending / LAP / Micro LAP segment.

Proven track record in sales and team management.

Excellent communication, negotiation, and relationship management skills.

Analytical mindset and problem-solving ability.

Ability to work under pressure and achieve stretch targets.

Qualifications & Experience:

Graduate / Post Graduate in any discipline (MBA preferred).

3-5 years of experience in retail lending, preferably in Micro LAP / Secured SME loans.

Key Performance Indicators (KPIs):

Monthly Disbursement & Yield Targets

Team Productivity & Attrition

Portfolio Quality (Delinquency levels)

Sourcing Mix & Channel Development

3.CREDIT MANAGER

1. Role Overview: To assess, analyse, and approve LAP- Affordable Segment proposals as per the

credit policy of the organization, ensuring minimal delinquency and compliance with regulatory

guidelines.

Job Title: Credit Manager – Affordable Segment

Department: Credit Risk / Retail Lending

Location: [City/Region]

Reports to: Regional Credit Head/ Area Credit Manager

Experience: Working experience of more than 1-2 year in underwriting of affordable segment in

particular location. Preferred candidate should have knowledge processing affordable files in AIP,

LIP & other surrogate program with ticket size of around 1 Cr. CTC upto 5 lacs

Key Responsibilities:

• Credit Assessment and Underwriting: Evaluate Affordable LAP applications by

analysing financial statements, bank statements, and credit bureau reports. A key

aspect is the ability to understand the actual business income and expenses of

customers in the affordable segment (which may not always be formally reported).

• Risk Analysis and Mitigation: Identify, analyse, and mitigate potential credit and fraud

risks. This includes conducting personal discussions (PD), performing field

investigations, and collaborating with legal and technical teams for property due

diligence.

• Policy Adherence and Compliance: Ensure all loan processing and disbursement align

with internal credit policies and external regulatory guidelines (e.g., RBI/NHB norms).

• Documentation and Processing: Ensure accurate and complete documentation of KYC,

income, and property papers. Coordinate with sales and operations teams to maintain

turnaround times (TATs) for application processing and disbursal.

• Portfolio Monitoring: Monitor loan accounts for early delinquencies and work with

collections teams to minimize non-performing assets (NPAs) and bad debts.

• Stakeholder Coordination: Liaise closely with the sales, operations, legal, and technical

valuation teams to facilitate timely loan processing and disbursal.Key Skills & Competencies:

• Underwriting and Sanctioning: Evaluate and approve/reject individual LAP applications

within assigned delegated authority limits.

• Documentation Management: Ensure complete and accurate collection of KYC,

income, and property documentation from applicants.

• Field Investigations: Coordinate and review reports from field investigation (FI), legal,

and technical teams to verify applicant and property details.

• Policy Adherence: Ensure strict adherence to the company's credit policies and

regulatory requirements during the entire loan process.

• Turnaround Time (TAT) Management: Maintain efficiency in processing applications to

ensure timely disbursal of loans.

• Portfolio Monitoring Support: Assist in monitoring the quality of the branch's loan book

and coordinate with collections teams on early delinquenci