Relationship Manager - MEL

The Relationship Manager MEL (Micro Enterprise Loans) is responsible for sourcing, onboarding, and managing micro-enterprise loan customers while ensuring portfolio quality, customer satisfaction, and adherence to credit and compliance norms.

• Key Responsibilities
• Source new Micro Enterprise Loan (MEL) customers through field activities, referrals, and local market mapping
• Build and maintain strong relationships with micro-enterprise customers to drive repeat business
• Conduct customer profiling, KYC collection, and preliminary credit assessment
• Ensure proper documentation, verification, and timely submission of loan files
• Coordinate with credit, operations, and legal teams for smooth loan processing and disbursement
• Achieve assigned business targets (disbursement, customer acquisition, portfolio growth)
• Monitor post-disbursement activities and support collections to maintain portfolio quality
• Handle customer queries and provide end-to-end service support
• Ensure compliance with internal policies, RBI guidelines, and regulatory norms
• Maintain accurate MIS and timely reporting to branch / area management
• Key Skills & Competencies
• Strong field sales and relationship management skills
• Basic understanding of Micro Enterprise Lending / SME Lending
• Good communication and local market knowledge
• Ability to assess customer cash flows and business viability
• Result-oriented with strong follow-up skills
• Comfortable with field work and targets
• Educational Qualification
• Graduate in any discipline (Commerce / Management preferred)
• Experience
• 1–5 years of experience in MEL / MSME / Business Loans.
• Prior experience in NBFC / MFI / Bank preferred
• Key Performance Indicators (KPIs)