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About the Role

AU Small Finance Bank Limited is seeking a Relationship Manager focused on Home Loans, positioned in the Greater Bhopal Area. This role primarily involves managing delinquent accounts and overseeing collection buckets aligned with business lines.

Key Responsibilities

Understand and embrace the company’s core business approach, methodology, and product pricing.
Identify and evaluate new business possibilities within the assigned market segment.
Generate qualified business leads via sources such as OEM exchange outlets, used vehicle dealers, commercial associates, and referrals.
Meet or exceed monthly, quarterly, and annual volume and value goals based on performance metrics.
Assess client profiles, collect and verify documents, and prepare proposals for credit approval.
Ensure sourcing channels are empaneled and regularly serviced for consistent business flow.
Convert prospects and existing clients to drive additional sales.
Maintain strong relationships with all sourcing channels for sustained business generation.
Collect post-disbursement documents timely and monitor deferral risks to reduce operational exposure.
Manage collections from self-sourced customers during the first six months to ensure portfolio health.
Conduct asset verification and monitor early defaults or non-starter cases for prompt action.
Consistently achieve individual business targets on a monthly basis.
Offer prompt, efficient customer service to build lasting relationships and encourage repeat and referral business.

Additional Duties

Implement the company’s product and pricing strategy in daily function.
Foster and sustain positive partnerships with dealers, associates, and referral agents.
Provide timely and professional customer service responses, ensuring high satisfaction.
Represent the company professionally and uphold its brand values in the marketplace.
Ensure all client interactions and documentation comply with internal and regulatory standards.
Identify and report onboarding discrepancies, documentation shortfalls, or operational risks.
Support audits, compliance checks, and asset verification processes as needed.
Gather and relay market intelligence to refine products, pricing, and sourcing strategies.
Promote ethical sales conduct and contribute positively to team culture.
Maintain accurate records of leads, interactions, and closures using company CRM systems.

Qualifications and Experience

Experience: 0 to 3 years in BFSI sector, preferably in executive or officer level roles.

Key Performance Indicators

Business volume achievement
Lead conversion rate
Channel productivity and engagement
Customer acquisition cost management
Portfolio quality and collection efficiency
Accuracy in asset verification
Compliance with documentation protocols
Customer satisfaction indices
CRM usage and referral/repeat business rates

Essential Competencies

Ownership and accountability for results
Customer-focused mindset and actions
Adeptness with digital business applications
Detail-oriented with strong work ethic
Willingness to learn and grow professionally
Positive attitude, high ethics and integrity
Bias towards action and urgency

Technical Knowledge and Skills

Product and domain expertise
Familiarity with digital tools and applications
Understanding of local geography and target market
Ability to collect and record detailed data
Professional communication skills in regional languages, both verbal and written
Client relationship management with respect and empathy
Business negotiation and conflict resolution skills

Additional Requirements

Physical fitness and mental agility to handle extensive fieldwork and client demands
Capability to work under pressure
Valid driving license for two-wheelers and personal two-wheeler vehicle ownership
Possession of a smartphone for work use
Positive references and clear background verification

Working Conditions

Approximately 90% fieldwork and 10% office-based activities
Extensive travel required with two-wheeler transport
Flexibility in work hours depending on business needs

Policies and Compliance

Strict adherence to the Bank’s Code of Conduct
Confidentiality regarding bank and client information
Responsible usage and management of bank assets such as ID cards, SIM cards, marketing materials, digital devices, and receipt books
Timely customer feedback sharing with sourcing channels
Daily submission of call reports by day-end

Relationship Manager Home Loan

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