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.
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.
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