Senior Relationship Officer, Secured & Unsecured Business Loans Job in Muthoot Fincorp (mfl)

Position: Senior Relationship Officer Secured & Unsecured Business Loans

Location: Delhi

Reports to: Business Manager Secured & Unsecured Business Loans

Experience Required: 4 6 years

Education: Graduate

Industry: Financial Services / NBFC / Lending

Job Purpose

The Senior Relationship Officer (SRO) will be responsible for customer acquisition, referral partner management, and ensuring a seamless customer journey across secured (Gold-backed and LAP) and unsecured business loans. The role demands strong business development skills, local market understanding, and the ability to serve as a key relationship point between customers and the organization.

Key Responsibilities

• Customer Acquisition & Business Development
• Identify new micro-markets and onboard high-potential referral partners.
• Source customers for Micro LAP and Suvarna (Gold-backed business loans).
• Execute field-level business development in assigned areas.
• Conduct regular cold calls and daily sales visits as per plan.
• Build, nurture, and maintain strong relationships with referral partners.
• Customer Journey & Sales Enablement
• Provide doorstep service to customers assisting at home or office.
• Guide customers through loan application to disbursal, ensuring a smooth experience.
• Collect and process applications in line with company policy.
• Assist in early collections (soft bucket) and retention of existing customers.
• Cross-sell insurance (property, life, health) to secured loan customers.
• Promote customer satisfaction and build trust as the face of Muthoot Fincorp in the assigned area.
• Channel & Market Support
• Support Branch Business Manager with insights on market trends and local opportunities.
• Act as a bridge between customers, referral partners, and the branch.
• Monitor and report on local market activities, competitor moves, and customer feedback.

Required Skills & Attributes

• Strong customer acquisition and retention orientation
• Proven relationship-building and stakeholder management
• Excellent communication in English and local language
• Process-driven with strong knowledge of retail lending, LAP, and home loans
• Proficiency in cross-selling/upselling financial products
• Strong presentation and interpersonal skills
• Result-oriented with a proactive and problem-solving mindset

Desired Experience

• Minimum 2 years of relevant experience in retail assets, especially in home loans, LAP, or affordable housing finance.
• Experience working in field sales, particularly within NBFCs or lending institutions.

Cultural Fit The Muthoot Pappachan Group Values

We are committed to gaining and maintaining the trust of all stakeholders. Our core values include:

• Integrity Ethical, transparent, and regulation-compliant conduct
• Collaboration Teamwork across departments for shared goals
• Excellence Relentless pursuit of quality and best practices

Other culture traits we uphold:

• Honesty, Empathy, Empowerment, Humility
• Agility & Ownership
• Innovation & Fresh Thinking
• Inclusion and Work-Life Balance

Why Join Muthoot Fincorp?

• Legacy brand with startup agility in digital expansion
• Strong support system and leadership mentoring
• Opportunities for career growth in India's dynamic lending landscape
• Be a trusted advisor in a customer-first culture

Apply now if you re passionate about customer relationships, sales excellence, and creating impact in the retail lending sector.