Relationship Manager - Group Loans

Key Responsibilities

Business Development & Customer Acquisition

• Identify and onboard eligible customers for Group Loan products.
• Form and develop Joint Liability Groups (JLGs) / borrower groups as per company guidelines.
• Generate quality leads through field visits, referrals, and local market networking.
• Conduct customer awareness meetings and financial literacy sessions.
• Achieve monthly and annual loan disbursement targets.

Relationship Management

• Build and maintain strong relationships with group members and community leaders.
• Act as the primary point of contact for customers regarding loan products and services.
• Ensure high levels of customer satisfaction and retention.
• Resolve customer queries and grievances in a timely manner.

Credit Assessment

• Conduct customer profiling and field verification.
• Assess repayment capacity, business activities, and creditworthiness of borrowers.
• Collect and verify KYC and required documentation.
• Recommend eligible loan applications in line with credit policy.

Portfolio Management & Collections

• Monitor portfolio performance and repayment behavior.
• Ensure timely collection of loan installments.
• Follow up on overdue accounts and minimize delinquency.
• Maintain portfolio quality within defined risk parameters.
• Support recovery efforts for delinquent accounts.

Operations & Compliance

• Ensure compliance with RBI regulations, company policies, and audit requirements.
• Maintain accurate customer records and loan documentation.
• Update customer information in systems and MIS platforms.
• Participate in branch reviews, audits, and training programs.

Market Intelligence

• Monitor competition and market trends.
• Provide feedback on customer needs and product improvement opportunities.
• Identify potential areas for expansion of group lending business.

Key Performance Indicators (KPIs)

• Group formation targets achieved
• Loan disbursement volume
• Portfolio outstanding under management
• Collection efficiency (%)
• Portfolio at Risk (PAR) levels
• Customer acquisition and retention
• Portfolio quality and delinquency control
• Compliance and audit scores

Educational Qualification

• Graduate in any discipline.
• MBA/PGDM preferred.

Experience

• 1 to 5 years of experience in Group Lending, JLG, Microfinance, Rural Lending, or NBFC Banking operations.
• Freshers with strong field sales aptitude may be considered for junior roles.

Required Skills & Competencies

Technical Skills

• Understanding of Group Loan/Microfinance operations.
• Credit assessment and customer evaluation.
• Collection and recovery management.
• Knowledge of KYC and regulatory requirements.
• Basic computer and mobile application skills.

Behavioral Skills

• Strong communication and interpersonal skills.
• Customer-focused approach.
• Negotiation and persuasion skills.
• Problem-solving ability.
• Result-oriented and target-driven mindset.
• Ability to work extensively in the field.

Key Attributes

• High integrity and ethical standards.
• Willingness to travel extensively within assigned territory.
• Ability to work in rural and semi-urban markets.
• Strong relationship-building capability.

Compensation & Benefits

• Fixed Salary + Performance Incentives
• Travel Allowance
• Mobile Reimbursement
• Health Insurance and other company benefits as per policy