Associate Relationship Manager - Affordable LAP

Job Requirements
About the Role
The ARM Affordable LAP is responsible for driving LAP business growth through multiple channels. This includes acquiring new customers, engaging existing ones, and managing a team of Direct Selling Agents (DSAs) to expand the gold loan portfolio across branches. The role also involves ensuring compliance, maintaining portfolio quality, and supporting branch teams in audits and customer communication.
Key Responsibilities
Primary Responsibilities

• Achieve monthly sales targets by acquiring New-to-Bank (NTB) and Existing-to-Bank (ETB) customers.
• Promote LAP products to existing liability customers.
• Drive consistent month-on-month growth in End-of-Period (EOP) assets for the gold loan business at each branch.
• Ensure fee income of at least 1% of total disbursals.
• Conduct regular follow-ups with customers to ensure timely renewals and minimize pending cases.
• Coordinate with valuers periodically and ensure customers are aligned to pay valuation charges as per product norms.
  
• Maintain healthy collections with zero First EMI Misses (FEMI) and First Payment Defaults (FPD), while minimizing fresh flow into delinquency buckets.
• Ensure accurate Priority Sector Lending (PSL) tagging and compliance with PSL norms.
• Support branch liability teams during audits and ensure clear communication with customers prior to packet opening.
• Conduct local marketing activities to generate NTB gold loan leads.
  

Secondary Responsibilities

• Demonstrate proficiency in MS Word, Excel, and PowerPoint for reporting and presentations.
• Exhibit personal drive and a strong work ethic to deliver results under tight deadlines and demanding conditions.
• Willingness to work extensively in the field and travel across the region on short notice.
• Perform ad-hoc tasks as required by the department.
  

What We Are Looking For
Education

Looking to get Placed? Try our Placement Guarantee Plan

Get Hired
• Graduation: Full time graduate in any discipline from a recognised institution.
  

Experience

• Minimum of 2 years of experience in retail banking, preferably with exposure to lending products such as gold loans within BFSI industry.
  

Skills and Attributes

• Strong sales and customer acquisition capabilities.
• Good understanding of gold loan products and operational processes.
• Excellent coordination and communication skills.
• Ability to manage collections and ensure portfolio quality.
• Team player with people management and leadership skills.
• Attention to detail, especially in fraud detection and compliance.