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Job Title:Relationship Officer (RO)
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Role Overview
The Relationship Officer (RO) will be responsible forsourcing, evaluating, and closing secured business loans (primarily LoanAgainst Property ā LAP). The role requires strong field sales capabilities,credit understanding, and relationship management skills to drive quality disbursementswhile maintaining portfolio health.
Key Responsibilities
1. Business Development & Sourcing
- Generate leads through direct field sourcing.
- Build and manage a strong local referral network.
- Achieve monthly login and disbursement targets.
- Conduct customer meetings and explain product features, eligibility, and documentation requirements.
2. Collect Documentation
- Collect KYC, financial, banking, and property documents.
- Coordinate with credit and operation teams for smooth case processing.
- Ensure proper documentation before login to minimize rejection.
3. Process & Compliance
- Maintain adherence to RBI and internal NBFC compliance norms.
- Ensure accurate data entry in LOS and CRM systems.
- Follow TAT benchmarks for login to disbursement.
- Maintain audit-ready documentation standards.
4. Relationship & Portfolio Management
- Maintain strong relationships with existing borrowers.
- Monitor repayment behavior and flag early delinquency risks.
- Support collections in case of stress accounts.
Key Performance Indicators (KPIs)
- Monthly login volume
- Disbursement value
- File quality ratio
- Approval-to-login conversion
- Portfolio delinquency (PAR metrics)
Eligibility Criteria
- Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or Management preferred.
- 0.5ā5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
- Local market knowledge is essential.
Required Competencies
- Sales orientation with negotiation skills
- Credit appraisal basics
- Documentation and compliance awareness
- Relationship building capability
- Field mobility and market penetration skills
Compensation Structure
- Fixed salary (as per experience)
- Performance-based incentives linked to disbursement and portfolio quality
- Travel allowance (as applicable)
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