Senior Relationship Officer

Job description

Company Description Utkarsh Small Finance Bank Limited (USFBL) is a regulated financial institution providing banking and financial services with a strong focus on underserved and unserved segments across India. Headquartered in Varanasi, Uttar Pradesh, the Bank has a deep presence in rural and semi-urban locations, supported by pan-India deposit mobilisation and digital banking capabilities. Its portfolio includes microfinance loans under the Joint Liability Group (JLG) model, MSME loans, housing loans, personal loans, commercial vehicle and construction equipment loans, and wholesale lending. Utkarsh Small Finance Bank offers comprehensive digital services such as Internet and Mobile Banking, online account opening, and a network of ATMs and Micro ATMs to enhance customer convenience. Building on its microfinance legacy, the Bank is committed to financial inclusion and sustainable growth. Role Description The Senior Relationship Officer is a full-time, on-site role based in Varanasi, responsible for managing and growing customer relationships across key retail and MSME segments. The role involves acquiring new customers, cross-selling banking products, and ensuring high levels of customer satisfaction through proactive engagement and service support. Daily activities include understanding client financial needs, recommending suitable loan and deposit products, coordinating documentation and KYC compliance, and monitoring portfolio quality. The Senior Relationship Officer will collaborate with branch and operations teams to ensure timely processing of transactions, resolve customer issues, and contribute to sales targets and branch business goals. The role requires regular field visits, market awareness, and adherence to regulatory and internal risk management guidelines. Qualifications • Candidates should possess strong Business Relationship Management skills, including client acquisition, portfolio handling, and long-term relationship building. • Candidates should possess foundational Finance skills, such as understanding loan products, credit principles, and basic risk assessment. • Candidates should possess effective Communication and Customer Service skills to interact clearly, handle queries, and provide a positive client experience. • Candidates should possess Sales skills, including lead generation, negotiation, and achieving business targets in a competitive environment. • Candidates should have a bachelor’s degree in Business, Finance, Commerce, or a related field; a postgraduate qualification is an advantage. • Candidates should have prior experience in retail banking, microfinance, or financial services, preferably in rural or semi-urban markets. • Candidates should demonstrate strong ethical standards, familiarity with regulatory requirements, and the ability to work in a target-driven environment. • Candidates should be comfortable with digital banking tools, basic computer applications, and field-based customer interactions.