01Overview
Job Title / Designations : Relationship Manager, Sales Manager, Senior Sales Manager
Job Context / Key Aspects :
The Personal Loan product line caters to funding short term and medium term working capital needs of Small Businesses and individuals, via a suite of customized short and long tenured products, without any security/ collateral.
Offering comprises personal loans to salaried individuals/ self-employed individuals/ non-individual entities, with end use of funds (Medical emergency, Marriage etc.) to be ascertained during the loan appraisal process.
The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins.
Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times.
While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.
Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers.
Understanding of product market characteristics such as channel relationship management, region specific occupations/trade, local financial preferences and practices are key to gain competitive advantage while structuring loans and identifying leads.
The Relationship Manager Personal Loan is responsible for operationalizing business transactions and liaises with DSAs and/ or end customers in his/her area to maximize disbursals, profit, growth & customer service objectives.
Requirements
Education : Any Graduate.
Age: Below 35 years
Experience : Minimum 2 Years to 8 Years experience.
Personal Loan & Business Loan experience is required
Employment Gaps : No employment gaps in their professional career.
Must have worked for minimum of 1 year with all employers.
Conveyance : Must have own transport & Driving License
Locality : Knowledge of .
