Senior Relationship Officer Personal loans

About the Role: We are seeking a talented and motivated Executive to join our Direct Sales CC & PL department. In this role, you will be responsible for promoting and selling a range of personal banking products, with a primary focus on credit cards & Personal Loan. Your main objective is to achieve sales targets and contribute to the bank's growth by acquiring new customers and cross-selling additional products. This role offers a challenging and rewarding experience, allowing you to develop your sales and customer relationship skills. What you will be doing: Achieve and exceed monthly and quarterly sales targets set by the Direct Sales Manager. Promote and sell Personal Loan products within assigned markets and customer segments Generate new business through: Cold calling Field visits Referrals and networking Organize and participate in promotional activities, group meetings, and roadshows to drive business growth. Maintain a strong sales pipeline and ensure timely follow-up with prospects. Submit accurate MIS reports and competitor insights on a regular basis. Identify and leverage cross-sell opportunities across other banking products (e.g., credit cards, insurance, accounts). Stay updated on market trends, competitor offerings , and suggest improvements to enhance sales performance. Customer Relationship & Service Build and maintain strong relationships with customers to ensure repeat business and referrals . Provide end-to-end support in the loan application process , ensuring a smooth customer experience. Address customer queries effectively and ensure high customer satisfaction levels . Compliance & Process Adherence Ensure all applications are processed in line with bank policies, SOPs, and regulatory requirements . Maintain complete and accurate documentation and KYC compliance . Adhere to defined Turnaround Time (TAT) for all processes. Team Contribution & Performance Management Collaborate with internal teams (Credit, Operations) to facilitate timely approvals and disbursements . Support team performance by: Sharing best practices Contributing ideas to improve sales outcomes Demonstrate a result-oriented and high-performance mindset . What We’re Looking For: Education: Bachelor’s degree in any related field Experience: Minimum 3 years’ experience in a Sales role Skills Strong sales and negotiation skills Customer-focused approach with excellent communication skills Knowledge of personal loan products and lending policies Ability to work in a target-driven environment Strong time management and pipeline management skills Proficiency in MS Office and CRM tools

Bachelor's degree in Business, Marketing, Finance, or a related field. Minimum 2 years of experience in a sales or customer-facing role, preferably in the banking or financial industry. Excellent communication and interpersonal skills, with the ability to build rapport and trust with customers. Strong negotiation and problem-solving abilities, with a customer-centric approach. Proficiency in Microsoft Office suite and other relevant sales or customer relationship management tools. Ability to work independently and manage multiple tasks simultaneously. Willingness to travel within the allocated region for promotional activities and customer meetings. Knowledge of banking products and services, with a focus on credit cards, is an advantage. Understanding of sales processes and techniques, including lead generation and customer acquisition. A proactive and self-motivated attitude, with a passion for sales and customer engagement.

Achieve and exceed monthly and quarterly sales targets. Promote and sell Personal Loan products within assigned markets and customer segments. Generate new business through cold calling, field visits, referrals, and networking. Organize and participate in promotional activities, group meetings, and roadshows. Maintain a strong sales pipeline and ensure timely follow-up with prospects. Submit accurate MIS reports and competitor insights regularly. Identify and leverage cross-sell opportunities across other banking products (e.g., credit cards, insurance, accounts). Stay updated on market trends and competitor offerings and suggest improvements. Build and maintain strong customer relationships to ensure repeat business and referrals. Provide end-to-end support in the loan application process and ensure a smooth customer experience. Address customer queries effectively and ensure high customer satisfaction. Ensure all applications are processed in line with bank policies, SOPs, and regulatory requirements. Maintain complete and accurate documentation and KYC compliance. Adhere to defined Turnaround Time (TAT). Collaborate with internal teams to facilitate timely approvals and disbursements. Share best practices and contribute ideas to improve sales outcomes.