Relationship Executive

Role & responsibilities

• Customer Acquisition
• Identify and approach potential home loan customers.
• Generate leads through referrals, builders, agents, and other sources.
• Explain available home loan products, interest rates, and eligibility criteria.
• Customer Assistance
• Understand customers' financial requirements.
• Suggest suitable loan products based on income and repayment capacity.
• Explain EMI, tenure, processing fees, and other loan-related charges.
• Loan Application Processing
• Collect and verify customer application forms and supporting documents.
• Check basic eligibility based on income, employment, credit history, and property details.
• Enter and update customer and loan information in the system.
• Documentation
• Collect documents such as identity proof, address proof, income proof, bank statements, and property documents.
• Ensure documents are complete and accurate.
• Coordinate with customers for any missing or additional documents.
• Coordination with Internal Teams
• Coordinate with credit, legal, technical, operations, and verification teams.
• Follow up on credit approval, property verification, and legal checks.
• Resolve documentation or process-related issues.
• Loan Disbursement
• Coordinate with the customer and relevant teams for loan sanction and disbursement.
• Ensure all required conditions are fulfilled before disbursement.
• Follow up until the loan amount is successfully disbursed.
• Sales & Target Achievement
• Achieve monthly/quarterly home loan targets.
• Maintain a healthy sales pipeline.
• Develop relationships with builders, real estate agents, and other referral partners.
• Customer Relationship Management
• Maintain regular communication with customers throughout the loan process.
• Address customer queries and complaints promptly.
• Build long-term relationships for referrals and repeat business.
• Compliance
• Follow company policies, RBI guidelines, KYC requirements, and lending procedures.
• Ensure accurate and ethical handling of customer information and documents.

Preferred candidate profile

• Education: Graduate in any discipline; MBA/PGDM in Finance or Marketing is an added advantage.
• Experience: 13 years of experience in home loans, housing finance, banking, NBFC, or financial services preferred.
• Sales Skills: Strong ability to generate leads, acquire new customers, and achieve sales targets.
• Communication: Excellent verbal and written communication skills with good customer-handling ability.
• Product Knowledge: Basic understanding of home loans, loan eligibility, EMI, interest rates, documentation, and disbursement processes.
• Relationship Management: Ability to build and maintain relationships with customers, builders, brokers, and channel partners.
• Follow-up Skills: Strong follow-up and coordination skills with customers and internal departments.
• Computer Skills: Basic knowledge of MS Office, CRM, and loan-processing systems.
• Personal Attributes: Self-motivated, target-oriented, disciplined, proactive, and willing to work in a field-sales environment.
• Language: Knowledge of the local language along with English/Hindi is an advantage.
• Other: Willingness to travel locally for customer meetings and lead generation