Relationship Manager-Personal Loan
IDFC FIRST Bank — Padrauna, KUSHI NAGAR
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Job Description
The Relationship Manager-Personal Loan position sits in the IDFC FIRST Bank office in Padrauna.
Job Criteria Job Needs
Job/Job Title: Relationship Manager-Personal Loan
Function/ Department: Rural Banking
Job Purpose:
The post entails developing and deepening relationships with Rural Banking accounts and securing best in-class service to the customers. The post bearer has a responsibility to spot Business owners / entrepreneurs in the defined catchment and assess their business loan needs. The job bearer is tasked with driving customer acquisition, establishing household level customer relationships and capitalizing on lifetime value in each relationship to deliver on larger organizational goals.
Roles & Responsibilities:
- Drive Personal Loan business through assigned bank branch.
- Create and drive alternate channels for sales along with regular channels.
- Open new avenues for business through corporates.
- Mentor, guide & motivate the sales team to meet the required target/productivity.
- Recruit & train team members from time to time.
- Keep empanelling new corporates for Personal Loan sourcing.
- Conduct marketing/promotional activities to enhance visibility of PL.
- Give regular feedback to product, credit & process for improvement.
- Collaborate with credit, operation to secure best in class TAT.
- Keep up high level of collection productivity.
- Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual loan booking targets.
- · Contribute to penetration of PL self-sourced high value business in Rural markets through self-lead generation and as per needs of customer offer the PL.
- Monitor high collections effectiveness through discipline and drive.
- Gather latest Market intelligence and track and benchmark against best practices in competitor banks and NBFC.
- Evaluate the progress strategy based on competitor analysis and feedback from different channels/customers.
- Recommend process changes in order to enhance service effectiveness and quality spanning the branch network.
- Oversee a team of field officers, taking responsibility of their development and attrition.
- Create and implement livelihood advancement and community development initiatives.
Managerial & Leadership Responsibilities:
- Attract and retain best-in-class talent for key roles in their reporting structure.
- Monitor main parameters on employee productivity, hiring quality and attrition rates and make necessary improvements.
- Empower teams to drive progress targets by offering necessary support.
Education Qualification:
Graduation: BA / BCom / BBA / BSc / BTech / BE or any other graduate.
Experience: 5 to 10 years of relevant rural banking experience.
Frequently Asked Questions
What are the eligibility criteria for the Relationship Manager-Personal Loan job at IDFC FIRST Bank?
Eligibility typically includes the qualifications and experience outlined in the job description above, with around 0-2 Years years of relevant experience expected for this role.
What are the primary responsibilities of a Relationship Manager-Personal Loan at IDFC FIRST Bank?
The key responsibilities for this role are detailed in the Key Responsibilities section above, covering the core duties expected of a Relationship Manager-Personal Loan at IDFC FIRST Bank.
Is prior experience required for this position?
This role requires around 0-2 Years years of relevant experience, as specified in the job listing. Please refer to the Qualifications & Experience section above for full details.
What skills are important for this role?
Skills relevant to this position are outlined in the Qualifications & Experience section above. In general, strong communication, domain knowledge, and the ability to meet role-specific targets are valued across similar BFSI positions.
How do I apply for the Relationship Manager-Personal Loan role at IDFC FIRST Bank?
You can apply directly using the Apply Now button on this page, which will take you to IDFC FIRST Bank's application process for this role.
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