Relationship Manager

Eligibility Criteria

• Any Graduate or Postgraduate under regular stream with a Minimum of 60% marks and above from a college affiliated to a recognized University are only eligible to apply.
• If the percentage of marks is in CGPA mode, the same should be converted into equivalent percentage.
• Besides English, candidates should be conversant in the Local language as per the posting location.
• Must possess 2-3 years of relevant experience from Banks/NBFC.

Roles & Responsibilities

Pre-login activities

• Generating leads and meeting potential customers to drive the acquisition of new customers.
• Daily CRM checks for new leads, reviewing leads, and updating follow-up details with dates; monitoring and tracking leads.
• Conduct a minimum of 4 new customer visits per day and visit mapped branches.
• Perform necessary KYC/customer validation/due diligence/market enquiry and collect required data/information as per the checklist.
• Communicate document requirements to customers, follow up by calls, and arrange document pickup.

Login activities

• Verify references and conduct necessary unit and security visits before submitting the proposal.
• Verify completeness of documents, review financials/bank statements for churn, bounces, and interest servicing, and start the Login Activity.
• Submit the proposal with proper validations to the appropriate sanctioning authority through coordinators.
• Reply to the queries raised by the processing team with validations.
• Coordinate with customers, valuers, operations, and administration throughout the process.
• Do the necessary follow-up/obtain sanction and issuance of the sanction letter within the stipulated timelines.
• Ensure overall achievement of individual targets.

Coordination and Documentation

• Coordinate with panel advocates and engineers for title opinion and valuation of properties as per extant guidelines.
• Create and execute necessary documents, Memorandum of Deposit (MOD), filing ROC, CERSAI, etc.
• Ensure the creation of limits in core banking and the disbursal of sanctioned limits within timelines.
• Introduce the Branch Head and other branch officials to the customer for account operations and communicate with the account parking branch.

Post-Sanction Monitoring and Handover

• Ensure monitoring of all post-sanction activities for the first year.
• Complete monitoring of the account on an ongoing basis until the next renewal.
• Handover the file to the branch for further renewals and service after the first renewal is completed.
• Ensure the customer has satisfactory Branch relationships & servicing.

Branch Management

• RM to visit the mapped branches to generate potential leads.
• Maintain a cordial relationship with the Branch for leads and servicing of the clients.
• Achieve cross-sell or upsell targets and forex targets.

Complaints

• Analyze complaints, seek resolutions after customer discussions, and escalate to higher authority if needed.