Business Development Officer

Company Description ESAF Small Finance Bank is a new-age social bank that aims to redefine the banking experience while expanding services to underbanked areas and serving customers across diverse communities. Originating from the Evangelical Social Action Forum (ESAF), which began as an NGO in 1992, the bank is built on a vision of sustainable and holistic transformation of marginalized populations. Over the years, ESAF has supported livelihoods, healthcare, education, and shelter through its various community-focused programs. ESAF Small Finance Bank received its in-principle license from the Reserve Bank of India in 2015 and commenced operations in 2017, later gaining approval for NRE (Rupee) Account operations. The bank combines traditional, relationship-based banking with modern services such as Internet, Mobile, Missed Call, and SMS Banking, along with doorstep delivery and video calling facilities, and is certified as a Great Place To Work.

Role Description This full-time, on-site Relationship Manager role is based at ESAF Small Finance Banks branch in Idukki. The Relationship Manager will build and manage a portfolio of customers, provide personalized banking and financial solutions, and ensure high levels of service and satisfaction. Daily responsibilities include meeting clients, understanding their needs, offering suitable products such as deposits, loans, and digital banking services, and supporting customers with account-related queries. The role also involves generating new business through referrals and local outreach, maintaining accurate customer records, coordinating with branch and operations teams, and ensuring compliance with bank policies and regulatory requirements. The Relationship Manager will actively promote ESAFs social banking values while contributing to branch growth and long-term customer relationships.

Qualifications

• Customer relationship management and client service skills, with the ability to build trust and maintain long-term banking relationships.
• Sales and business development abilities, including cross-selling banking products, achieving targets, and identifying new customer opportunities.
• Strong communication and interpersonal skills to interact effectively with diverse customers and internal teams.
• Basic financial and banking knowledge, including retail banking products, regulatory norms, and risk awareness.
• Proficiency in digital tools and banking applications, and comfort with promoting Internet and Mobile Banking services.
• Good organizational and time-management skills, with attention to accuracy in documentation and customer records.
• Minimum of a bachelors degree in Commerce, Business Administration, Finance, or a related field; relevant banking or financial services experience is preferred.
• Commitment to ESAFs social mission, cultural sensitivity, and willingness to engage with local communities in Idukki and surrounding areas.