Job Title: Relationship Officer (RO)

Role Overview

The Relationship Officer (RO) will be responsible for sourcing, evaluating, and closing secured business loans (primarily Loan Against Property – LAP). The role requires solid field sales capabilities, credit understanding, and relationship management skills to drive quality disbursements while maintaining portfolio health.

Key Responsibilities
Business Development & Sourcing
Generate leads through direct field sourcing.
Build and manage a solid local referral network.
Achieve monthly login and disbursement targets.
Conduct customer meetings and explain product features, eligibility, and documentation requirements.
Collect Documentation
Collect KYC, financial, banking, and property documents.
Coordinate with credit and operation teams for smooth case processing.
Ensure proper documentation before login to minimize rejection.
Process & Compliance
Maintain adherence to RBI and internal NBFC compliance norms.
Ensure accurate data entry in LOS and CRM systems.
Follow TAT benchmarks for login to disbursement.
Maintain audit-ready documentation standards.




Relationship & Portfolio Management
Maintain robust relationships with existing borrowers.
Monitor repayment behavior and flag early delinquency risks.
Support collections in case of stress accounts.

Key Performance Indicators (KPIs)
Monthly login volume
Disbursement value
File quality ratio
Approval-to-login conversion
Portfolio delinquency (PAR metrics)

Eligibility Criteria
Undergraduate with experience/Graduate / Postgraduate in Commerce, Finance, or Management preferred.
0.5–5 years of experience in LAP / Mortgage / Secured Business Loan sales (NBFC/Bank preferred).
Local market knowledge is essential.

Required Competencies
Sales orientation with negotiation skills
Credit appraisal basics
Documentation and compliance awareness
Relationship building capability
Field mobility and market penetration skills

Compensation Structure
Fixed salary (as per experience)
Performance-based incentives linked to disbursement and portfolio quality
Travel allowance (as applicable)

📌 Relationship Officer Indore
🏢 Finodaya Capital Private
📍 Indore