01Overview
Job Title / Designations :<\/b> Relationship Manager, Sales Manager, Senior Sales Manager
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Job Context / Key Aspects :<\/b>
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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.
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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.
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The business is highly retail in nature, characterized by high transaction volumes, smaller ticket sizes, and significantly higher spread and profit margins.
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Given the unsecured nature of loans disbursed, the business also entails stringent controls and monitoring to ensure portfolio health and quality at all times.
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While unit of sizing up the business is its loan book size, profitability and minimized delinquency are key business objectives.
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Higher cost of funding impacts profitability as well as competitiveness of loan rates that can be offered to customers.
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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.
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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.
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Requirements<\/h3>
Education :<\/b> Any Graduate.
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Age:<\/b> Below 35 years
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Experience :<\/b> Minimum 2 Years to 8 Years experience.
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Personal Loan & Business Loan experience is required
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Employment Gaps :<\/b> No employment gaps in their professional career.
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Must have worked for minimum of 1 year with all employers.
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Conveyance : <\/b>Must have own transport & Driving License
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Locality : <\/b>Knowledge of Local areas is preferred.
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CIBIL :<\/b> Must have a Good CIBIL Score, More than 650+
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Notice Period :<\/b> Immediate joiners or Less than 30 days notice is preferred.
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Role :<\/b> Individuals Role, No Team will be Provided
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Sourcing of client is through DSA
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Deliver on sales targets by building strong relationships in the DSA network and influencing DSA outcomes
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Benefits<\/h3>
Yearly Salary / CTC : <\/b>
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Relationship Officer : Rs 4.5 LPA
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Relationship Manager : Rs 5.5 LPA
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Sales Manager : Rs 6.5 LPA
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Senior Sales Manager : 7.5 LPA
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Additional Benefits :<\/b>
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Conveyance, PF, Gratuity, Incentives, Promotions.
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