IDFC Off-Campus Hiring – Associate Relationship Officer
IDFC Off-Campus Hiring: Do you have the zeal to develop good relationships and service to people in the Rural Communities? Be part of our vibrant team of Rural Banking and be an Associate Relationship Officer! It is a thrilling experience for young graduates and recent career starters who want to initiate or expand their careers within the banking industry. This position comes with a very rare opportunity to ensure that the role and the organisation grow to nurture rural economies and also attain the personal and professional goals of the concerned client.
About the Role
- Job Role: Associate Relationship Officer
- Department: Rural Banking
- Location: Gohana, Haryana, India
- Experience: (Freshers Welcomed) 0-1 Years
- Education: BA / BCom / BSc / BBA / BCA / BE /BTech or any other undergraduate course
Being an Associate Relationship Officer, you will have the striking role of cultivating relations with Rural Banking accounts; providing an outstanding customer service, and supporting the business development campaigns. Together with the Relationship Manager, you will coordinate the survey of business owners and entrepreneurs in identified rural areas, determine their loan demands, and encourage them to use the entire variety of banking products offered. This position will enable you to develop an excellent relationship with customers and achieve sales goals, as well as lead to the mission of the bank to achieve financial inclusion in the rural markets.
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Key Responsibilities
- Zoning & Mapping: Control zoning operations to survey the financial requirements of households in the allotted villages and zones, to determine the possible participants of the banking services.
- Client Acquisition & Relationship Building: This will lead to client acquisition through the process of building up the relationship at the household level to make sure that there is a lifetime value in every client interaction.
- Loan Disbursal Follow-Up: To make end-user verifications after loan disbursal, so that it is in line with the group loan bookings monthly and annually.
- Cross-Selling Opportunities: Analyse the needs of clients, take into account the risk profile and sell cross-banking products by the specific needs of clients regarding their lifestyle and needs.
- Liability Business Penetration: Contributing to increasing the liability business by creating leads and opening accounts as per the customer’s need under Liability Business Penetration.
- Sales & Retention: Exceed personal, and bank branch sale targets through business entrant sales, referrals and account retention.
- Online Banking Promotion: Promote the use of Online Banking services by customers thereby changing customer behavior to increase digital bank utilization.
- Collections Efficiency: Enhance high collection efficiency by ensuring follow-ups are made in a disciplined manner in a proactive manner in interacting with the customers.
- Documentation and Compliance: Loans and savings accounts Well-documented loans and savings accounts are important, and the bank must confirm its ability to comply with bank laws.
- Data Coordination: Work in conjunction with operational officers to have a smooth flow of operations due to proper and timely input of data.
- Field Audits and Verifications: There shall be field audits and customer verifications, which shall ensure a high-quality account.
- Product Knowledge: The bank products, credit standards, services and industry trends need to be updated so as to offer the best customer service.
- Process Improvement: Propose process improvement to enhance the effectiveness of services and quality in the network of branches.
- Community Development: Follow-up on the establishment of programs like livelihood promotion and community development to help in empowering rural customers.
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Qualifications & Skills
- Education: A bachelor’s degree in any field (BA, BCom, BSc, BBA, BCA, BE, BTech or equivalent).
- Experience: up to 1 year of related branch banking experience. Fresher applicants are welcome who love working with customers and in rural banking.
- Skills:
- Effective communication and people skills to establish long-lasting customer relations.
- Possibility to analyze the requirements of clients and suggest individual banking services.
- Simple knowledge of the financial products, lending procedures and credit rating.
- The ability to work with information and make sure that the regulations of the bank are met.
- Self-driven and aiming to accomplish sales and collections goals.
- Easy to work in rural areas and visit the field.
- Experience with digital banks is an advantage.
Why join us?
- Making a Difference: achieved by contributing to increasing financial inclusion and women empowerment in rural areas by matchmaking the customers with personalized bank services.
- Career Development: Acquire practical training in areas related to the bank work, such as customer handling, and sales, and have a chance of developing a career in that firm.
- Supportive Environment: You will be working with talented Relationship Managers and doing so in a team that is supportive towards achieving common goals.
- Training & Development: Take advantage of extensive training to increase your level of knowledge of banking, as well as hone your customer service capabilities.
- Community Focus: Take part in projects that promote the development of livelihoods and communities set in rural locations.
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What we seek out
We are looking for people who are energetic and willing to make a change in rural banking. If you are a fresh graduate or have one year or less of experience, this is an opportunity role to you, especially in case you are looking forward to working in a customer-analytical capacity, love working in the countryside, and are passionate about expanding financial inclusion within society. Maybe you are a team player, you are proactive and are willing to put your heart and hard work into providing customers with the best service out there; in that case, we want to know more!
How to Apply
Are you ready to set out on a path to a successful career that leads to rural banking? Send a reworked resume and a short cover message of your interest in being an Associate Relationship Officer.
Tip: Candidates who are shortlisted will be contacted to proceed to the next stage of recruitment.
