Relationship Manager - Unnati MBL at IDFC FIRST Bank

Job Description

Job Requirements

About the Role

The Relationship Manager – Micro Enterprise Loan is responsible for building and strengthening customer relationships within the Rural Banking segment, with a focus on micro enterprise lending. This role involves identifying business owners and entrepreneurs in the assigned catchment area, assessing their financial needs, and offering tailored loan solutions. The Relationship Manager drives client acquisition, fosters household-level engagement, and maximizes the lifetime value of each relationship. Additionally, the role includes managing a team of field officers and contributing to community development initiatives, while ensuring high service standards and operational efficiency.

Key Responsibilities

Primary Responsibilities

Ensure timely disbursal of business loans based on thorough assessment of client needs.
Conduct post-disbursal end-user checks and meet monthly and annual group loan booking targets.
Evaluate client requirements and generate new revenue through cross-selling, aligned with customer lifestyle, risk profile, and financial goals.
Drive penetration of products in rural markets through lead generation and account opening.
Achieve individual and branch-level sales targets through new business acquisition, referrals, and customer retention.
Maintain high collection efficiency through disciplined follow-ups and monitoring.
Conduct field audits and customer verifications to ensure account quality.
Collect and analyse market intelligence, benchmarking against competitor practices.
Evaluate growth strategies based on competitor analysis and customer feedback.
Recommend process improvements to enhance service delivery and operational efficiency.
Lead and support livelihood advancement and community development initiatives.

Secondary Responsibilities

Manage and develop a team of field officers, ensuring performance and minimizing attrition.
Attract and retain top talent for key roles within the reporting structure.
Monitor employee productivity, hiring quality, and attrition rates; implement improvements as needed.
Provide strategic support to enable teams to achieve growth targets.

What We Are Looking For

Education

Graduate degree in any discipline (e.g., BA, BCom, BBA, BSc, BTech, BE).

Experience

3 to 5 years of relevant experience in rural banking or financial services.

Skills and Attributes

Strong understanding of rural markets and micro enterprise lending.
Proven ability to assess financial needs and deliver tailored solutions.
Excellent interpersonal, communication, and leadership skills.
Target-driven with a focus on customer acquisition and relationship management.
High attention to detail and commitment to compliance and documentation standards.
Ability to manage and motivate field teams effectively.
Passion for community development and financial inclusion.

Frequently Asked Questions

What are the eligibility criteria for the Relationship Manager - Unnati MBL job at IDFC FIRST Bank?

Eligibility typically includes the qualifications and experience outlined in the job description above, with around 5-10 Years years of relevant experience expected for this role.

What are the primary responsibilities of a Relationship Manager - Unnati MBL 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 - Unnati MBL at IDFC FIRST Bank.

Is prior experience required for this position?

This role requires around 5-10 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 - Unnati MBL 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.

Relationship Manager - Unnati MBL

IDFC FIRST Bank — Chakan, PUNE