Role/Job Title: Associate Relationship Manager-Micro Enterprise Loan(MEL) / Personal Loan
Function/Department: Rural Banking
Job Purpose:
The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to support Relationship Manager in identifying Business owners / entrepreneurs in the defined catchment and assessing their business loan needs. The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.
Roles & Responsibilities:
Manage zoning activity to map household needs in villages and areas allocated.
Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets.
Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements.
Contribute to penetration of liabilities business in Rural markets through lead generations and account opening as per needs of customer.
Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship.
Nudge behavioral changes in customers to drive them towards online banking.
Maintain high collections efficiency through discipline and drive.
Monitor preparation of accurate documentation of loans and saving account.
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