Job Descript

Position: Relationship Manager (RM)

Department: Retail Banking / Microfinance / Home Loans / CASA

Location: As per business requirement

Employment: Full-time

Job Summary The Relationship Manager is responsible for customer acquisition, relationship management, sales, cross-selling of banking products, and achievement of business targets . The RM will develop new customer relationships, manage existing customers, understand their financial requirements, and offer suitable banking and financial products.

Key Responsibilities

- Acquire new customers through field visits, references, leads, local market activities and customer meetings .
- Maintain and strengthen relationships with existing customers.
- Understand customer financial requirements and recommend appropriate banking products.
- Achieve assigned monthly and annual sales/business targets .
- Cross-sell products such as:
- Savings Current Accounts
- Fixed/Recurring Deposits
- Home Loans
- Loan Against Property (LAP)
- Microfinance loans
- Insurance and other financial products

- Generate leads and convert them into business.
- Follow up with customers from lead generation to documentation and disbursement/account opening , as applicable.
- Ensure proper KYC and documentation as per bank policies and regulatory requirements.
- Coordinate with credit, operations, collections and other internal departments.
- Resolve customer queries and complaints promptly.
- Monitor customer accounts and maintain regular contact with customers.
- Conduct market visits and identify new business opportunities.
- Maintain accurate customer information and update the bank's CRM/system.
- Ensure compliance with bank policies, processes and applicable RBI regulations.

Vertical-Specific Responsibilities

Retail RM

- Manage retail customers and their banking requirements.
- Acquire CASA, deposits and retail loan customers.




- Cross-sell multiple banking products.
- Build a profitable customer portfolio.

Microfinance RM

- Conduct extensive field visits.
- Identify and acquire eligible microfinance customers.
- Conduct customer/group meetings.
- Complete documentation and coordinate loan processing.
- Follow up on repayments and portfolio quality.
- Maintain relationships with customers in the assigned area.

Home Loan RM

- Source home-loan and LAP customers.
- Generate leads through builders, brokers, referrals and direct marketing.
- Collect income/property documents.
- Coordinate with credit and operations teams.
- Follow applications through sanction and disbursement.
- Maintain relationships with customers and referral partners.

CASA RM

- Acquire Savings and Current Account customers.
- Generate deposits and increase CASA balances.
- Visit businesses and potential customers for acquisition.
- Cross-sell FD/RD, insurance, loans and other products.
- Maintain relationships with existing CASA customers.
- Achieve account-opening and deposit targets.

Required Skills

- Good communication and interpersonal skills
- Customer relationship management
- Sales and convincing skills
- Lead generation and conversion
- Basic knowledge of banking and financial products
- Negotiation skills
- Target-oriented approach
- Basic computer/CRM knowledge
- Willingness to travel for customer/field visits

Educational Qualification Graduate in any relevant discipline such as Commerce, Finance, Business Administration or a related field.

Experience requirements may vary by RM vertical and grade.

Key Performance Indicators (KPIs)

- Current customer acquisition
- CASA/deposit growth
- Loan sourcing and disbursement
- Cross-selling
- Revenue/business generated
- Customer retention
- Portfolio quality/collections, where applicable
- Achievement of monthly and annual targets
- Compliance and documentation quality

This job is provided by Shine.com

📌 Relationship Manager (Pune)
🏢 ACURA SOLUTIONS
📍 Pune