Relationship Manager

Position: Relationship Manager Upsell (TopUp Loan Vertical)
Product: LAP / Micro LAP (Mortgage Loans)
Industry: NBFC

Core Responsibilities

• Manage and grow relationships with existing customers to drive TopUp / Upsell Mortgage Loans.
• Identify eligible customers from the existing loan portfolio for renewals, enhancements, and topup funding.
• Understand customer business needs and offer tailored financial solutions in line with company policies.
• Conduct field visits to assess customer profile, business stability, and property details where required.
• Ensure complete documentation collection and verification as per credit and compliance norms.
• Coordinate with credit, operations, and legal teams to ensure smooth and timely disbursement.
• Achieve monthly/quarterly disbursement and revenue targets as defined by management.
• Maintain high-quality portfolio performance by monitoring repayments and minimizing delinquency.
• Take proactive steps for followups, closures, and customer query resolution.
• Adhere strictly to NBFC guidelines, internal policies, and regulatory compliance.

Customer & Portfolio Management

• Build longterm relationships with borrowers to increase repeat business and customer retention.
• Educate customers about loan features, pricing, tenure, and repayment schedules.
• Engage with customers for crosssell / upsell opportunities while maintaining ethical selling standards.
• Handle customer grievances and ensure excellent aftersales service.

Reporting & MIS

• Maintain accurate daily activity reports, pipeline tracking, and MIS.
• Share market insights, competitor movements, and customer feedback with reporting managers.

Compliance & Risk Control

• Follow KYC, AML, and risk management guidelines strictly.
• Ensure quality sourcing to maintain low credit losses and healthy portfolio metrics.