Role/Job Title: Assistant Relationship Manager-LAP

Business: Retail Banking

Function/ Department: Rural Banking

Place of Work: PAN India

Job Purpose:

The role entails deepening relationships with Rural Banking accounts and ensuring best in-class service to the customers. The role bearer has a responsibility to identify mortgage needs of customers and provide appropriate lending solutions ( Loan Against Property) . The role bearer is responsible for driving client acquisition, building household level customer relationships and capitalizing on lifetime value in each relationship to achieve larger organizational goals.

Roles & Responsibilities:

- Assess and evaluate the client needs and generate new sources of revenue by leveraging cross sell opportunities as per their lifestyle, risk profiling and requirements

- Contribute to penetration of mortgage business in Rural markets through lead generations and account opening as per needs of customer 

- Spearhead mapping of detailed household needs based on direct customer interactions 

- Conduct end-user checks as specified post disbursal of loans while achieving monthly and annual group loan booking targets 

- Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship and maintain high collections efficiency

- Lead preparation of quality documentation of loans to ensure minimum queries / rejections from Operations / Credit teams

- Coordinate with operations officer to ensure timely and accurate data entry

- Ensure compliance as per the bank requirements

Secondary Responsibilities:

- Recommend process changes in order to improve service efficiency and quality across the branch network 

- Provide support for implementation of livelihood advancement and community development initiatives.

Key Success Metrics:

Customer Acquisition targets, Cross sell targets.