Relationship Manager - SME LAP-DSA-Prime, Goregaon

Job Description - Small & Medium Enterprise

Entity Name

Aditya Birla Capital ltd (NBFC)

Job Title

Relationship Manager

Location

Mumbai

Department

SME - Small & Medium Enterprise ( Emerging Market / Tier 1 / Alternat Channel)

Reports to

Zonal Manager / Regional Manager / National Manager

Key responsibilities

• Sales and Business Development
  
  

Source new customers for LAP through direct channels, DSA / Connectors / Self Sourcing

Achieve assigned sales targets for disbursal volume and revenue.

Identify high-potential markets and customer segments (e.g., self-employed, MSMEs, professionals).

• Customer Acquisition & Relationship Management
  
  

Understand customer requirements and suggest appropriate LAP products and structures.

Candidate should be having experience of Working Capital / LAP

Guide customers through the entire loan process—from application to disbursal.

Build and maintain strong relationships with clients for repeat business and referrals.

• Channel Management
  
  

Develop and manage relationships with DSAs, connectors, and other sourcing partners.

Ensure proper training and compliance of channel partners.

Monitor and improve channel productivity and effectiveness.

• Credit & Documentation Coordination
  
  

Collect and verify necessary documents (property papers, income proof, financials).

Coordinate with credit, legal, and technical teams for loan processing and approvals.

Ensure quality sourcing to maintain acceptable delinquency and rejection levels.

• Portfolio and Risk Management
  
  

Monitor disbursed loans for early warning signals, overdue EMI, or irregularities.

Handling a ticket size of 25 Lakhs to 1 Crore

Work closely with collections team for follow-up on overdue accounts.

Ensure adherence to internal and regulatory policies regarding lending and documentation.

• Reporting and Compliance
  
  

Maintain MIS reports on sales, pipeline, conversions, and productivity.

Ensure KYC, AML, and all regulatory compliance standards are met.

Provide timely and accurate updates to senior management on performance and market trends.

Job Purpose

To generate new leads from reference and self-sourcing, and to convert leads (both self-generated and company provided) to source maximum policies to achieve given targets.

Qualification

Any Graduate / Post Grauduate