Fullerton India Credit Company Ltd.
Website:
smfgindiacredit.com
Job details:
Company Description SMFG India Credit Co. Ltd. is a leading Non-Banking Financial Company (NBFC) in India, focused on empowering customers and building long-term relationships of trust. Supported by a team of over 21,000 employees across more than 843 branches, the company serves 3.6 million+ customers in 600+ towns and 70,000+ villages nationwide. Its services include financing for SMEs, personal loans, commercial vehicle and two-wheeler loans, home improvement loans, loans against property, working capital loans for urban self-employed individuals, and multiple rural-focused loan products. With a refreshed identity, SMFG India Credit continues to uphold its core values and commitment to inclusive financial growth.
Role Description The Individual Relationship Officer is a full-time, on-site role based in Haldwani, responsible for managing and growing a portfolio of retail customers. The role involves identifying customer financial needs, explaining suitable loan and credit products, and supporting customers through the application and documentation process. The officer will conduct regular follow-ups, maintain high service standards, and proactively resolve customer queries and issues. Daily responsibilities include meeting sales targets, coordinating with internal teams for smooth loan processing, maintaining accurate records in line with company policies, and ensuring compliance with regulatory and organizational guidelines. The role also requires building strong relationships in the local market to generate leads and enhance customer acquisition and retention.
Qualifications
- Strong Business Relationship Management skills to build, nurture, and retain individual customer relationships.
- Foundational knowledge of Finance to understand loan products, eligibility criteria, risk assessment, and basic credit processes.
- Effective Communication skills, including clear verbal and written interaction with customers and internal teams.
- Customer Service skills to handle queries, provide support throughout the loan lifecycle, and ensure a positive customer experience.
- Sales skills to achieve individual targets, generate leads, cross-sell relevant products, and support branch-level growth.
- Proven ability to work in a field-based, on-site environment with strong local market awareness.
- Attention to detail and basic documentation and computer skills for accurate data entry and record-keeping.
- Minimum of a bachelor’s degree in any discipline; experience in financial services, banking, or NBFC roles is an advantage.
- Integrity, adherence to compliance requirements, and commitment to non-discriminatory, customer-centric practices.
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