Deputy Relationship Manager-Fast Track Loan

• POSITION DESCRIPTION

  JOB TITLE : Deputy Relationship Manager-Fast Track Loan

• GRADE : DM-II
• DEPARTMENT : Micro Banking
• LOCATION : Greater Noida
• SUB-DEPARTMENT : TYPE OF POSITION : Full-time
• REPORTS TO : Area Business Manager-Fast Track Loan
• REPORTING INTO
• NA

• ROLE PURPOSE & OBJECTIVE
• Lead Generation – Conduct regular marketing and sales activities to generate leads from approved working areas.
• Dealing with the Customers- Engage with the customers at the front end to ensure smooth conversions from lead stage to disbursement and also repayment, recovery and retention.
• Monitoring On time Digital repayments made by customers assigned in Portfolio
• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Shall be expected to manage a portfolio of Rs.4 Cr. Progressively.
• Managing a customer base UPTO 300 customers progressively.
• Managing Digital Lending product across the catchment area as well TPP related to core Product
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials.

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services and establish professional relationship with them, with a long-term perspective
• Guarantee confidential treatment of all the information gathered from customers and demonstrate the highest order of integrity as per the code of conduct of the organization

Internal Process

• Carry out the pre and post-loan activities related to Unsecured Loans, Perform simple financial analysis, facilitate the customers loan applications to the independent sanctioning committee by adhering to the set TAT & prioritize the repayment of loans to preserve the portfolio quality
• Visit the customers business and home to do the assessment/evaluation, following the Product Policy procedures.
• Coordinate with the credit department in case of identifying discrepancies or problems in customers information, reports, etc. through Area Business Manager-MB.

Innovation & Learning-

• Maintain up to date knowledge of Unsecured Loan product as well as a working knowledge of other products offered with our relevant Product.
• Inform the supervisor/reporting manager about the demand in his/her assigned branch catchment as well as on the competition on a regular basis.
• Ensure adherence to training mandates/ mandatory training programs for self.
• Should be updated with the latest trends in civic and local laws of the location of operation.
• Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience Range (Years and Core Experience Type)

• Preferred experience of 2-4 years in banking, asset products sales of Unsecured Loan in an NBFC/ Bank/Fintech Company.
• Mixed experience of Sales & Credit is acceptable, but should be predominantly in sales

Certifications

• Relevant certifications shall be an added advantage.

Functional Skills

• Knowledge of Unsecured loans/ Mortgage Loans
• Sales and marketing skills – retail financial products.
• Communication Skills - fluent in the local language & can read-write basic English
• Equipped enough to read and understand the legal Certificates.
• KYC norms/guidelines for secured loans
• Credit Assessment/Appraisal.
• Basic Computer knowledge (MS Office, Outlook) / Ease of technology usage (tablet)

Behavioral Skills

• Sound Product knowledge (Multiple Products selling skills) .
• Willingness to travel & relocation as per business requirements and career opportunities
• Managing customer relations
• Achievement/performance oriented
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Good Computer Knowledge.
• Collaboration with Digital Drive.
• KEY INTERACTIONS

INTERNAL

EXTERNAL

• Regional Credit & Operations.
• Regional Products & Marketing departments.
• Regional HR
• Audit Manager
• Competitor Counterparts.

PREPARED BY: Gyanvendra Mishra

Date

• REVIEWED BY: Diptarag Deb
• DATE: 25-06-2025
• LAST UPDATED BY: TM Team
• DATE: 17-07-2025