Relationship Manager (Microfinance)

Company Description HDFC Bank is India’s largest private sector bank, serving over 92 million customers with a comprehensive portfolio of financial products and services. With thousands of branches and ATMs across urban and rural locations, the bank provides convenient access to banking solutions for individuals, MSMEs, and large corporates. Established in 1995 with a vision to be a world-class Indian bank, HDFC Bank focuses on product innovation, customer-centric services, and operational excellence. Following its merger with HDFC Ltd in 2023, the bank offers integrated banking and housing finance solutions, including a strong home loan offering. Through its CSR initiative, Parivartan, HDFC Bank also drives community development in areas such as education, healthcare, skills training, and sustainable livelihoods.
Role Description This is a full-time, on-site Relationship Manager (Microfinance) role based in Firozpur. The Relationship Manager will be responsible for sourcing and managing microfinance customers, building strong relationships with self-help groups, joint liability groups, and individual borrowers, and supporting them with appropriate banking and credit solutions. The role includes conducting field visits, assessing customer needs and creditworthiness, ensuring timely loan processing and disbursement, and monitoring portfolio health to maintain asset quality. The Relationship Manager will manage collections, address customer queries and service issues, and ensure adherence to regulatory and internal compliance standards. The position also involves cross-selling suitable banking products, preparing basic reports and documentation, and coordinating with branch and regional teams to achieve business targets.
Qualifications
Proficiency in customer relationship management, field sales, and portfolio handling within microfinance or retail banking.
Strong skills in communication, negotiation, and stakeholder engagement, with the ability to work effectively with diverse customer groups in local communities.
Basic understanding of credit assessment, documentation, and risk management principles relevant to small-ticket loans and microfinance products.
Ability to manage collections, resolve customer concerns professionally, and maintain high standards of service and compliance.
Comfort with using banking systems and digital tools for customer onboarding, transaction processing, and reporting.
Bachelor’s degree in commerce, finance, business, or a related discipline; experience in microfinance, rural banking, or financial inclusion programs is an advantage.
Fluency in local language and working knowledge of English; willingness to travel locally for customer visits and group meetings.

Work arrangement
No