Relationship Manager - Unsecured Loan

AU SMALL FINANCE BANK

Group Company: AU Small Finance Bank Limited

Designation: Relationship Manager - Unsecured Loan

Office Location:

Position description: #*Position description*#

Primary Responsibilities: #*Primary Responsibilities*#

Additional Responsibilities: #*Additional Responsibilities*#

Reporting Team

Reporting Designation: #*Reporting Designation*#
Reporting Department: #*Reporting Department*#

Educational Qualifications Preferred

#*Education and Experience*#

Category: #*Category*#
Field specialization: #*Field specialization*#
Degree: #*Degree*#
Academic score: #*Academic score*#
Institution tier: #*Institution tier*#

Required Certification/s: #*Required Certification/s*#

Required Training/s: #*Required Training/s*#

Required Work Experience

Industry: #*Industry*#
Role: #*Role*#
Years of experience: #*Years of experience*#

Job Brief:- AU Small Finance Bank Limited is seeking a dynamic and experienced professional to manage and grow unsecured loan portfolios within the Sales department. The role involves building strong relationships with clients, understanding their financial needs, and offering tailored unsecured loan solutions. The candidate will be responsible for driving loan disbursement targets while ensuring compliance with regulatory and internal policies. This position requires a strategic thinker with excellent communication skills and a deep understanding of the financial services industry, particularly in unsecured lending products. The individual will work closely with cross-functional teams to enhance customer satisfaction and contribute to the bank's growth objectives.

Responsibilities:-

Develop and maintain strong relationships with existing and prospective clients to promote unsecured loan products.
Assess client financial needs and provide customized unsecured loan solutions aligned with their requirements.
Achieve and exceed monthly and quarterly unsecured loan disbursement targets.
Conduct thorough credit appraisals and risk assessments in compliance with the bank’s credit policies and regulatory guidelines.
Collaborate with underwriting and credit teams to ensure timely loan processing and disbursal.
Monitor loan portfolio performance and proactively manage delinquency and recovery efforts.
Stay updated on market trends, competitor offerings, and regulatory changes impacting unsecured lending.
Provide regular reports and insights to senior management on sales performance and market opportunities.
Educate clients on loan terms, repayment schedules, and financial implications to ensure transparency and trust.
Participate in training programs to enhance product knowledge and sales techniques.

Skill:-

Unsecured Loan Product Knowledge
Credit Risk Assessment
Client Relationship Management
Financial Needs Analysis
Loan Portfolio Management
Regulatory Compliance in Lending
Sales Target Achievement
Negotiation and Persuasion
Cross-functional Collaboration
Market and Competitor Analysis

Preferred Qualifications:-

Bachelor’s degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
Minimum 5 years of experience in unsecured loan sales or relationship management within the financial services sector.

Key Performance Indicators: #*Key Performance Indicators*#

Required Competencies: #*Required Competencies*#

Required Knowledge: #*Required Knowledge*#

Required Skills: #*Required Skills*#

Required Abilities

Physical: #*Physical*#
Other: #*Other*#

Work Environment Details: #*Work Environment Details*#

Specific Requirements

Travel: #*Travel*#
Vehicle: #*Vehicle*#
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Other Details

Pay Rate: #*Pay Rate*#
Contract Types: #*Contract Types*#
Time Constraints: #*Time Constraints*#
Compliance Related: #*Compliance Related*#
Union Affiliation: #*Union Affiliation*#