Deputy Relationship Manager MBL

Job description

**Group Company:** AU Small Finance Bank Limited **Designation:** Deputy Relationship Manager MBL **Office Location:** Peddapalle Peddapalli **Position description:** Generate fresh Business and service existing clients **Primary Responsibilities:** - 1. Achieve assigned targets for sales & regular collection - 2. Conduct Marketing activities, leafleting , Canopy etc to identify new sources of business - 3. Handle customer queries, build up customer relationship and develop brand value in the market - 4. Attend customer queries and provide resolution - 5. Co-ordinate with Operations & Collection department for customer onboarding and servicing - 6. Conduct physical verification of customer\\'s residence, business and any other asset crucial from credit point of view and taking photographs. - 7. Follow instructions frm seniors, coordinate with internal teams for getting visit reports done. - 8. Visit customers for first FI and meeting, and also accompany seniors to customer\\'s place for visit and verification. - 9. Conduct physical verification of credit related documents like ITR, Bank statement, receipts, ledger and property documents - doing OSV ( Original Seen and verified) of documents. - 10. Prepare basic CAM ( Credit Appraisal Memo) - 11. Take reference check of customers from local market and existing customers. - 12. Follow policies & procedure as laid down by the bank. - 13. Portfolio Management - visit delinquent cases, collect EMIs of delinquent cases in collaboration with collections team. - 14. Maintain and stop early delinquency , Non-starter cases in portfolio, decide the treatment of such cases wisely. - 15. Maintain least OTC / PDD pendency and ensure timely clearance of the same. - 16. Maintain non-RPDC portfolio - ensure all cases of portfolio are ACH. - 17. Maintain and collect fresh bouncing cases EMI with charges as mentioned in policy, - 18. Correct the operational errors and get 100% cases repayment in Non-PDC mode. - 19. Collect fresh data from open marketing activities for tele calling and self sourcing. - 20. Follow leads so generated from data received from telemarketing team - 21. Complete documentation, file agreements, formats and other formalities for disbursement of cases - 22. Clear queries from credit, Ops, Legal, Valuation etc. - 23. Timely submit daily MIS and sourcing data to reporting authority **Additional Responsibilities:** - 1. Provide true and fair opinion based on customer\\'s interaction. - 2. Clear queries of customers - clarify final ROI, Fees, Charges, and all other terms of the case - 3. Do not get involved in any financial/non-financial transaction with the customer - 4. Maintain decency and good behaviour while dealing with the customer, visiting property, especially while taking photos of the house and surroundings with permission of the customer. - 5. Conduct customer reference checks with utmost sincerity and maturity - goodwill of the client should not be harmed - not disclose any financial or personal information of existing / new clients with any ( existing / prospective clients ) or any 3rd party **Reporting Team** - **Reporting Designation:** - **Reporting Department:** **Educational qualifications preferred** - **Category:** - **Field specialization:** - **Degree:** - **Academic score:** - **Institution tier:** **Required Certification/s:** **Required Training/s:** **Required work experience** - **Industry:** BFSI - **Role:** Sales Executive, Sales Officer, Customer Service Executive/Officer, Relationship Executive/Officer - **Years of experience:** 0 to 3 **Key Performance Indicators:** Business Volume, Average Ticket size, Boarding rate **Required Competencies:** 1. ownership and accountability for results 2. Customer-centric mindset and actions 3. adept at handling digital business apps and software 4. hard work and detail-orientation 5. eager to learn and grow as a banking professional 6. positive mindset, ethical and high integrity 7. Bias for Action and Urgency **Required Knowledge:** 1. Aptitude for lead generation 2. Target Market Knowledge - Local Area geography familiarity 3. Familiarity with Digital applications 5. Detailed data collection/recording **Required Skills:** 1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Sales Forecasting & Reporting **Required abilities** - **Physical:** 1. Physical fitness 2. Mental agility 3. Ability to do extensive field travel/work 4. Ability to handle work pressure and demanding clients - **Other:** 1. Valid Two-Wheeler Driving License 2. Personal 2-wheeler 3. Own Smartphone 4. track record of past employment 5. Positive reference check and clear civil report **Work Environment Details:** 90% - Field, 10% - Office **Specific requirements** - **Travel:** High - **Vehicle:** 2-wheeler - **Work Permit:** **Other details** - **Pay Rate:** - **Contract Types:** Permanent - **Time Constraints:** Flexibile workhours as per business requirement - **Compliance Related:** 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc. - **Union Affiliation:**