Relationship Officer
Bhubaneswar, Odisha, India · Full Time
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- Experience
- 1–5 yrs
- Salary
- INR 20,000 – INR 38,000 / month
- Openings
- 1
- Posted
- 3 weeks ago
- Work mode
- In office
- Education
- MBA, BBA, or equivalent business administration degrees with minimum 45% marks
- Eligibility
- Candidates graduating in 2021, 2022, or 2023 with degrees such as MBA or BBA in relevant specializations meeting minimum academic criteria of 45% in undergraduate and postgraduate studies can apply.
- Resume
- Required to apply
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Job description
Job Overview
Utkarsh Small Finance Bank is seeking a Relationship Officer based in Bhubaneswar, Orissa. The role involves generating and managing Home Loan and Loan Against Property (LAP) leads, overseeing the loan process, and ensuring portfolio quality and compliance. This position requires daily field visits, strong sales skills, and communication in the local language.
Primary Responsibilities
- Generate leads for Home Loans and LAP via field visits, cold calling, and leveraging a local network of connectors including DSAs, CAs, brokers, and builders.
- Build and maintain strong connections with various stakeholders such as direct sales agents and market influencers.
- Conduct daily visits to target locations including builder projects and resale property markets to identify potential customers.
- Screen customers through initial profiling, income evaluation, and property valuation.
- Collect KYC and income documents and explain loan terms including eligibility, EMIs, interest rates, processing fees, and documentation requirements.
- Coordinate with credit and operations teams for smooth processing, approval, and timely disbursement of loans by tracking pending documents and approvals.
- Support customers throughout the entire loan process, from application through disbursal.
- Maintain portfolio quality by sourcing creditworthy clients, monitoring for delinquency, and ensuring early EMI collections.
- Adhere strictly to KYC, credit policies, RBI, and company compliance guidelines.
- Keep precise daily records of productivity metrics, including logins, sanctions, and disbursements.
- Meet monthly targets for Home Loan and LAP disbursements and maintain a robust conversion rate from leads to disbursed loans.
Candidate Profile and Eligibility
- Experience: 1 to 5 years in Home Loan, LAP, or Mortgage Loan sales, preferably in NBFC, Housing Finance Companies, or Small Finance Banks.
- Must have own vehicle (two-wheeler/four-wheeler) due to daily fieldwork.
- Basic knowledge of credit underwriting, loan-to-value ratios, and loan documentation.
- Proven sales ability with excellent lead generation and conversion skills in a target-driven environment.
- Effective communication skills in the local language to explain financial products clearly to customers.
Preferred Qualifications and Experience
- Established network of connectors/DSAs in the assigned territory.
- Experience using home loan customer relationship management (CRM) or Loan Origination Systems (LOS).
- Knowledge of the local property market including builder projects and resale transactions.
- Experience handling smaller loan sizes (₹10–50 lakh) in semi-urban or urban areas.
Educational Background
Applicants must have a Bachelor’s or Master’s degree in Business Administration or related fields such as Finance, Banking, Marketing, Operations, Risk Management, Information Technology, Healthcare Management, Hospitality, Supply Chain Management and others, with a minimum percentage of 45% in graduation and post-graduation. Eligible graduation years include 2021, 2022, and 2023.
Compensation
The monthly salary range offered is ₹20,000 to ₹38,000.
Minimum education
Master's Degree
Industry
Banking