Relationship Officer

Job Title: Relationship Officer (RO)

Role Overview

The Relationship Officer (RO) will be responsible for sourcing, evaluating, and closing secured business loans (primarily Loan Against Property – LAP). The role requires strong field sales capabilities, credit understanding, and relationship management skills to drive quality disbursements while maintaining portfolio health.

Key Responsibilities

1. Business Development & Sourcing

• Generate leads through direct field sourcing.
  
• Build and manage a strong local referral network.
  
• Achieve monthly login and disbursement targets.
  
• Conduct customer meetings and explain product features, eligibility, and documentation requirements.
  

2. Collect Documentation

• Collect KYC, financial, banking, and property documents.
  
• Coordinate with credit and operation teams for smooth case processing.
  
• Ensure proper documentation before login to minimize rejection.
  

3. Process & Compliance

• Maintain adherence to RBI and internal NBFC compliance norms.
  
• Ensure accurate data entry in LOS and CRM systems.
  
• Follow TAT benchmarks for login to disbursement.
  
• Maintain audit-ready documentation standards.
  

4. Relationship & Portfolio Management

• Maintain strong relationships with existing borrowers.
  
• Monitor repayment behavior and flag early delinquency risks.
  
• Support collections in case of stress accounts.
  
  

Key Performance Indicators (KPIs)

• Monthly login volume
  
• Disbursement value
  
• File quality ratio
  
• Approval-to-login conversion
  
• Portfolio delinquency (PAR metrics)
  
  

Eligibility Criteria

• Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or Management preferred.
  
• 0.5–5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
  
• Local market knowledge is essential.
  
  

Required Competencies

• Sales orientation with negotiation skills
  
• Credit appraisal basics
  
• Documentation and compliance awareness
  
• Relationship building capability
  
• Field mobility and market penetration skills
  
  

Compensation Structure

• Fixed salary (as per experience)
  
• Performance-based incentives linked to disbursement and portfolio quality
  
• Travel allowance (as applicable)