Job Description: Relationship Manager – Micro LoansAbout the Role

We are seeking a dynamic, results-driven Relationship Manager to join our Micro Loans division at L&T; Finance. In this role, you will be responsible for driving business growth by sourcing recent customers, managing end-to-end loan portfolios, and maintaining strong relationships within the micro-finance and rural/semi-urban ecosystems.

Key Responsibilities
Business Development: Source recent customers for micro loans/group loans through field visits, market mapping, and community networking.
Customer Relationship Management: Build and maintain long-term relationships with borrowers to ensure high customer retention and satisfaction.
Credit & Underwriting Support: Conduct primary checks, verify customer KYC, assess cash flows, and evaluate the creditworthiness of applicants.
Portfolio Management: Monitor loan disbursements, track repayment schedules, and ensure timely collections to maintain a zero-non-performing asset (NPA) portfolio.
Compliance: Adhere strictly to L&T; Finance's internal policies, credit guidelines,



and RBI regulations for microfinance institutions (MFIs).

Required Qualifications & Skills
Education: Graduation/Bachelor's degree in any stream (12th Pass with relevant experience can also be considered).
Experience: 0 to 4 years of experience in Sales, Microfinance (MFI), Banking, or NBFC sectors. Age below 33 yrs
Skills: Robust communication and negotiation skills, basic digital/smartphone literacy, and a customer-centric mindset.
Travel: Must possess a valid two-wheeler driving license and a smartphone, as this role involves extensive field travel.

What We Offer
Competitive fixed salary with attractive performance-based incentives.
Travel and mobile allowances.
Comprehensive health insurance and provident fund (PF) benefits.
Transparent career growth path within one of India's leading NBFCs.

Pay: ₹21,000.00 - ₹45,000.00 per month

Benefits:
Commuter assistance
Flexible schedule
Health insurance
Life insurance
Provident Fund

Work Location: Hybrid remote in Kottayam, Kerala

📌 Microfinance Officer Kottayam (India)
🏢 Job Nexus India
📍 India